milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Debt collection (Mortgage debt) with VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Deed for my property XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) received on XXXXXXXXX ( XXXX XXXX XXXX Equal Housing Lender NMLS ID XXXX Home Lending Officer-XXXX Virginia. XXXX, VA US effective XXXX. No escrow/financing is available for XXXX XXXX XXXX ). Deed for ownership of The Estate at XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) Deed for price points earned with XXXX ( Product Development ) through XXXX. I have decided to use the third-party clearing agency, XXXX XXXX due to life insurance policies being used as collateral by XXXX XXXX XXXX. I would like to issue a lien for her estate in XXXX, VA until a payment is made. I would like to report an {$300.00} penalty for unauthorized use of deed. This document is for official business use only. I would like to associate the IRS link from XXXXXXXXX with this document ( https : //www.irs.gov/XXXX ). This link also traces to the First Quarter Income for XXXX dated XXXXXXXXX in the amount of {$200.00} XXXX. My mortgage with XXXX XXXX has been overmodified. The reconciliations have been made. Please reference the IRS judgments issued on SEC report XXXX dated XXXXXXXX and the attached document of VHDA penalties for XXXX XXXX. I would like to adjust the judgments for XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three parties will be responsible for a judgment in the amount of {$83000.00} that totals {$250000.00} for life securities fraud. Each party will be responsible for a yearly payment of {$2300.00} for the next three years. The payments are to be made monthly in the amount of {$190.00}. XXXX XXXX 's total judgment is a {$XXXX} XXXX payment for the next three years. She is responsible for a yearly payment of {$500000.00} for the next two years. Payments are to be made monthly in the amount of {$41000.00}. XXXX XXXX is responsible for quarterly payments in the amount of {$560000.00} to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX ) until the {$XXXX} XXXX balance is paid in full. All other judgments are as imposed. A quarterly audit will be imposed on XXXXXXXXX. There should be a discharge for all properties effective XXXXXXXX. There should be no lien on my properties. Insurance for all properties and entities are covered through XXXX XXXX. An amount of {$34000.00} should be left after closing costs that were computed and sent to the FDIC yesterday upon appraisal of my property XXXX XXXX XXXX, XXXX, VA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have multiple collection agency reports on my credit report from XXXX and enhanced recovery company which I have never personally opened accounts with. They have increased up to {$640.00} which is recorded as a cable/cellular service which I have never subscribed to. I want this record off of my credit report as it is damaging to my character and I did not authorize these accounts. They show up on my report as early as XX/XX/2016 and I know for a fact I have never opened any cellular or cable accounts in that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: My account has been debited by the bank itself ( TD BANK ) for {$140.00} saying it 's a photo adjusted amount.When I call customer care as I 'm in XXXX right now calling them overseas the customer care represtative gives me wrong information saying I deposited the same check twice and that 's why the amount was debited.His information was completely XXXX XXXX just like the banks customer service. I have deposited two different checks on two different days and I have a picture to prove it from the banks app itself. Check number XXXX was submitted on XX/XX/XXXX. Check number XXXX was submitted on XX/XX/XXXX. I need this amount of {$140.00} back into my account as I have copies clearly mentioning two different checks deposited on two different days. I have sent TD bank emails for a reply too as they convince us customers they would reply in 24 hours but their customer service is so pathetic, it makes me wonder why do such people open banks like this if they ca n't help customers when they are overseas!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with Ad Astra Recovery Services Inc (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I requested verification on the alleged debt AD Astra Recovery Services , Inc is attempting to collect on. I sent a letter of verification and requested the original lender 's information, so I may investigate the debt said owed. I also requested proof AD Astra Recovery Services , Inc could legally collect in the state of TN. 

I requested this information on XXXX XXXX, XXXX by mail and did not receive a reply. 

On XXXX, XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not licensed to collect in the state of Tennessee. 


Please assist me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I retained XXXX XXXX XXXX to do a Modification for my home in XXXX of XXXX. I paid them about XXXX dollars, and never got a modification..On XXXX XXXX I called up my lender whose name is Nationstar Mortgage and was told my home was sold on XXXX XXXX XXXXXXXX law group never contacted me regarding this matter at all. I also never receive any notices about a Court Date for a Foreclosure Court appearance. In XXXX of XXXX I XXXX XXXX faxed short sale documents to Nationstar Mortgage cause I was under water. Nationstar Mortgage said they never received any documents. So on XXXX XXXX XXXX I called up Nationstar again to fax over some more documents to be told my home was sold on XX/XX/XXXX.XXXX group never contacted me or my Wife regarding this matter now me and my Family have to pack up and leave the premises because of XXXX negligence.This really hurts cause I have a Family.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Consumer Loan (Vehicle loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Shopping for a loan or lease

Complaint: My wife and I were shopping for cars. At each dealer they ran a credit report before we could consider an offer. Now XXXX of my credit inquaries are from dealer car shopping. I was told My credit is down graded because of all these inquaries. It is my understanding that all of these inquires should be counted as XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am the victim of identity theft. I disputed an account wrongfully reported on all three of my credit reports multiple times with each of the Credit Reporting Agencies and the creditor directly. I have previously provided police reports to substantiate my claim. Each time I receive a canned response : " We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. '' Yet the CRAs nor the creditor provide documentation *proving* they validated the information, despite my including a copy of my police report when I disputed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (DC).
Issue: Using a debit or ATM card

Complaint: My debit card was lost and somehow someone was able to get my PIN and use the card to make bogus deposits and then shortly after withdraw the funds. I told the bank when I logged in to see my balance and saw this huge overdraft of over {$6000.00}. I explained that I did n't know the card was gone and that I had nothing to do with what happened. All of the withdrawals took place in Pennsylvania and I live in Virginia and work in XXXX. The bank claimed they did an investigation which I doubt and they expect me to pay back something I never got. I filed a police report with XXXX County 's financial crimes department but because the actual crime took place in Pennsylvania, they could n't do anything. I looked up the police department associated with the area the bank was in where all of this transpired and they claimed that the State police had jurisdiction. I called the State police and they claimed they did not. I got nowhere over the phone with that and because I was working could not get up there to file a police report. 
The bank in question is Santander Bank. I opened the account online. I filed the waiver they claimed I needed to and they still claim that because I could n't account for when or how my card and PIN were compromised, I was responsible. I do n't have that kind of money. What can I do? They call over and over. They leave messages at my work and that incident happened a little under a year ago. This bank is horrible. Why would any bank with no history of such deposits and withdrawals allow such to happen?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 05-09-2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (MI).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle through XXXX XXXX in the state of Illinois. I payed off the remainder of my car loan in full this year in XXXX. I waited over two months to receive my title in the mail and did not receive nothing. During that time I was receiving calls from Westlake Financial stating that I still owed a remainder on my car loan. They had explained to me that XXXX transferred my account over to them but never why. I told them I had pay off the remainder of my car loan, so they asked for verification in which I had faxed over proof several times. Westlake Financial had told me they were going to send my title, they just needed verification, and that it might have been an error in XXXX system. Repossession has also been coming to my home trying to reposes the vehicle that is already rightfully mine. I still have yet to receive my title in the mail after I have faxed over proof to Westlake Financial numerous times, stating that there going to fix the situation and send me my title. Westlake Financial still calls to this day stating that I owe payments on my vehicle so the situation has not been taken care of.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: I originally applied for a loan on XX/XX/XXXX. A complaint has been submitted regarding the mortgage banker who said our rate was locked but then wanted to charge us points to get the promised locked rate. Now I am submitting a new complaint because of the time this has taken. It is now XX/XX/XXXX and received this message from the mortgage banker ( XXXX XXXX ) yesterday : " The system is waiting on an approval that we received on XX/XX/XXXX. We are working towards correcting this issue and XXXX, as well as other managers are involved in resolving this. I am extremely sorry for the process thus far and I promise you that I am working on correcting this issue so we can complete your loan as quickly as possible. '' I left a voice message with XXXX XXXX yesterday regarding this " system error response '' and never received a call back. I am so fed up with Wells Fargo and that is why I am submitting another complaint. I have submitted everything requested by them and can not understand if the loan was approved on XX/XX/XXXX why it is now XX/XX/XXXX, almost a month later, and still has not been finalized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This acct is not accurate on my report and is showing negative. I have called and sent certified letters. It was never late, now showing negative closed and chargeoff.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Coast to Coast Financial Solutions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: coast to coat financial, XXXX, ca XXXX, phone number XXXX, reported collection account on my XXXX credit report, this account belongs to a friend that used my identity and from my good heart, I paid the amount owed on the collection account, amount of XXXX please have the collection company remove this report, this is a fraudulent account that was opened without my consent, my name is XXXX , I live on XXXX, ca XXXX, and the account was opened on XXXX, ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (I do not know) with Persolve, LLC - Legal - Series 2 (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Today,   XXXX   XXXX   notified me that a collection was on my account from  Persolve. This is not my debt more did I receive any notice of a debt from Persolve in writing prior to it being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Getting a line of credit

Complaint: My complaint is regarding my application for personal line of credit on XX/XX/XXXX with  Wells Fargo Bank. I went to the local bank and after the teller imputed my info in the on-line application, I was denied automatically on the spot for a line of credit of {$100000.00}. 

On XX/XX/XXXX I received a letter from the bank stating I was denied and listed the reasons. Please see attached letters. 

One of the reasons was that I had high debt to income ratio, when in fact I have no debt as confirmed by XXXX credit report which the bank said had used for this application. Other reason was bankrupcty and foreclosure which occurred almost 2 years ago. 

I called the bank and told them to look at the credit report and to see that I have no debts, but they said they do n't have the credit report to verify this information. They were n't able to respond how I was denied based on debt ratio when they do n't have a credit report. 

I responded with a letter ( attached ) stating I have no debt, and asking the bank to provide me with written documents backing up their assumption I have debt, calculations used for debt/income ratio, and bank policy on timeline and refusal of credit after bkcy and foreclosure. I included with the letter a copy of my XXXX credit report, XXXX 's for last two years and paychecks showing my income and ability to pay back a credit line. 

Wells Fargo sent me a letter on XX/XX/XXXX only repeating the reasons but not providing any detailed information as I requested, nor explanation for error refusal based on assumed debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I do not understand why Experian is refusing to delete a XXXX account on my credit report that does not belong to me. It is reported to have been opened in XXXX XXXX with account number # XXXX. I have called XXXX and XXXX XXXX multiple times and it has been confirmed by their representatives I have never taken an account with them in their records. Experian and XXXX mistakenly started reporting this account a couple of years ago and since then, I have been fighting them tooth and nail to delete this from my report. XXXX recently finally deleted this account once they validated it was not my account but Experian is refusing to acknowledge my complaint and keeps telling me to contact XXXX. I am filing this complaint because I have already done my part in contacting XXXX and Experian is the one who is not doing their job. This is not my account and it needs to be deleted as soon as possible from my report. I am including a copy a recent report which shows how only Experian has this account on my credit. XXXX and XXXX are not reporting this. I am also including a screenshot of the deletion letter from XXXX verifying it is not my account and it was deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquiry appears on my credit reports - Transunion, XXXX, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Amex platinum delta credit card has a refer a friend program where if you refer someone and they get approved, you are entitled to receive XXXX  bonus miles. Back in the first week of XX/XX/XXXX ( Amex has the exact date ) i referred my wife by sending her the link provided from americanexpress.com in the email. She clicked on the link and applied for the card, she was approved right away. Couple of days went by and i did not see the referral miles show up in my account. I called Amex and they said it takes about 6 to 8 weeks. I called multiple times after a few weeks and then was told the same story. After a while, i decided to open up a complaint with Amex about this issue and escalate it. They opened the complaint ( Amex has the exact date ). Ever since then i have been calling Amex and they are saying that they are still reviewing, It has been since XX/XX/XXXX that i have been calling Amex and they have not issued what i am entitled for. To everyone who is reading this, i have been a member of Amex since XX/XX/XXXX and i urge you to stop your business with Amex as at this point they are in the very shady business.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Privacy

Complaint: CFBPI have XXXX Bank of America Credit cards linked to my checking account. 
In XX/XX/XXXX Bank of America ( I will use BofA as abbreviation ) sent me aLetter stating that I filed for Bankruptcy and they closed my accounts. I never filed BK and had no intention to file. I called them and disputed this and Bof A reopened my accounts around XX/XX/XXXX. 
XX/XX/XXXX BofA started auto dialing and text messaging me. I sent them a letter to stop doing this as it makes me have charges. They continued anyways. 
I also filed a privacy request with BofA to not share my information. BofA shared my personal credit information with their affiliates anyways. 
BofA has run my credit report XXXX times since XX/XX/XXXX a couple were on the same day. I did not give Bank of America any authorization to make credit requests on my behalf. 
Around XX/XX/XXXX Bof A closed my accounts again. I called them and disputed the closing of my accounts and they reopened. They did not tell me they were running my credit as new inquiries. 
On XXXX BofA started making calls to me from blocked numbers. They use outsourced people from XXXX and the XXXX and when I got these incoming calls the persons were aggressive asking for my social, DOB, driver 's license etc. which seemed like a scam. I now know these calls were from Bof A and this person went to great efforts to harm me. 
I contacted BofA again on XX/XX/XXXX about XXXX letters they mailed to me stating they " were denying my request '' I made no request of BofA. After several calls BofA now states they will take the hard credit inquiries off my credit profile which were unauthorized as they know I did not ask for new credit. 
BofA harms my credit score with all these inquiries, reporting me as closed accounts by the bank, and erroneous reports of 30 days late. 
I want to make a formal complaint about BofA 's unfair business practices and failure to follow privacy laws, fair credit laws, they lie and cause hardship to consumers and customers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed a tax lien on my transunion credit report. The tax lien purports to be from XXXX Superior Court in Georgia. The original tax lien does not contain sufficient personal identifying information to be included in my credit report. Neither my date of birth nor my social security number appear on the original or copies of the tax lien in the county records. I filed a dispute on X/XX/2017 and the dispute was completed by X/XX/2017. However, the information was simply updated and not deleted based on the lack of personal identifying information. Specifically, the tax lien as listed in the report is from XXXX Superior Court, book 148, page 846 in the purported amount of {$850.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation