milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Mortgage (Other mortgage) with Allied Servicing Corporation (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I home was discharged on XXXX bankruptcy XXXX at that time I had XXXX mortgage lenders. I made payments on XXXX loans until XXXX, when XXXX XXXX my attorney informed me I did n't have to make payments on my second due to lack of money. Since then I have made all my payments on my first on time every month. Now Allied my second lender has sold my loan to a private party. I filed a complaint with XXXX and was also told this may also help too. XXXX XXXX XXXX XXXX was my attorney in this matter and mediation was done with XXXX XXXX and XXXX XXXX attorney for the private party whom was no present only by speaker phone. My understanding was make them an offer and pay them of and that would be that. About a month before XXXX and I talked on the phone and agreed XXXX would be a good start. We never heard anything back from them til XXXX day of mediation. That was the first time XXXX and I meant I said what do you think they accept or reply he said h did n't know but, maybe we will have to go to XXXX which was the max. Well to make this short things did not go well the guy on the phone was rude and I came out of that meeting homeless. I told XXXX and XXXX I had no idea that I was going to lose my home XXXX told me that he has settled a lot of cases and that it 's all about the money. Well that was n't the case. I want a chance to buy back my loan for the same price Allied sold it for they should of came to me first and made me an offer, Please help me keep my home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wa XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I seen my credit report with alot of things on there that are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Consumer Loan (Vehicle loan) with Experian Information Solutions 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 01/19/2016 about Credit reporting () with LEXISNEXIS (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had applied for a loan with Cash Time Title Loans on XXXX XXXX, 2016 and this report came from a third party source and I have been identified as a victim of identity theft with a FTC Report and No. and also a Police Report. My credit report is suppose to be on a 7 year credit freeze however, XXXX XXXX went through a third party. This Credit Reporting Agency named LexisNexis Risk Solution Bureau LLC has listed me as : XXXX - Lien/Judgment record found, XXXX of sub-prime credit services solicited and XXXX XXXX Multiple SSNs reported with applicant. When I tried calling this number in XXXX GA no one would answer and it would just ring, Therefore I was told credit was offered at less than favorable terms. No one could and would give me any explanation. I feel this is an illegal and unethical fraudulent company that payday loans used on their clients and it 's unfair and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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: Disputes were submitted on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to XXXX, XXXX XXXX and to Experian. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.

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 non-monetary relief
Consumer complaint received 02/13/2017 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I was in college ( XXXX XXXX ) in 2007 my school told me to pulled private loans for me because they said I did not have enough money to finish. I should have had more then enough from the government. They took my loans to all these different banks and by the time they finished I owe money in transfer fees and the interest rate that they changed accrued on the loans. I NEED THE PRINCIPLE LOWERED. EVERY STUDENT IN DEBT NEEDS A LOWERED PRINCIPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: This is proof positive that Wells Fargo and other committed outright fraud. I have attached supporting documents and case law that supports what they did was outright fraud. Please view the assignment dated XX/XX/XXXX. You can see that Wells Fargo created this assignment for XXXX XXXX. This is not possible because XXXX XXXX XXXX went out of business back in XX/XX/XXXX. If you look at the case law, which is attached you will see that it is not possible. The alleged Assignment of Mortgage which purported to transfer interest in the mortgage to XXXX XXXX as assignee, was invalid because XXXX XXXX as nominee for XXXX XXXX XXXX had no authority to assign the ownership interest of said mortgage, because XXXX XXXX was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX, which was a non existent Corporation. Said purported assignment was without authority and therefore invalid. XXXX XXXX had no ownership interest in the mortgage and was merely named as a nominee for the non-existent corporate mortgagee. Based on the foregoing, Wells Fargo and XXXX XXXX had no standing to bring any actions. Neither had no legal right to attempt to claim ownership of the subject Note and Mortgage, or any right as servicer, for some other unknown entity, and is without any legal basis to attempt to foreclose the subject mortgage, or to collect on the Mortgage Note, because XXXX XXXX XXXX did not exists after XX/XX/XXXX. The collection of mortgage payments by the Plaintiff and its predecessors in interest, was therefore illegal and they were without any legal right to receive and use or disburse the funds therefrom on behalf of any owner of the Note and Mortgage, or any other party. ( They attempted to foreclose on 3 separate occasions ) Another fraudulent assignment which is dated XX/XX/XXXX is attached. You can see that Wells Fargo created this assignment, but indicated that the assignor and assignee was both XXXX XXXX. How can you assign an assignment to yourself. There is also the issue of material fact as to the assignment dated XX/XX/XXXX, which was recorded in XX/XX/XXXX, well after they initiated a foreclosure. This is well documented fraud and the CFPB needs to take action on this immediately.

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (FL).
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: XXXX XXXX XXXX AKA XXXX XXXX XXXX FOR A YEAR NOW HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I ASKED FOR LICENSE NUMBER STATE RIGHTS FOR CLAIMING IN MY STATE. I ALSO WANTED VALIDATION OF THE DEBT REPORTING IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANYTHING FROM COMPANY. THIS SAME DEBT CONTINUES TO BE REMOVED AND ADDED BACK OR REPORTING AGENCIES NAME CHANGE

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Received letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX that they had to close my account due to it being overdrawn leaving a balance of {$110.00}. I call immediately to pay the balance over the phone but was told I needed to come in person to settle the account. I explained the financial situation that had occurred to the representative and assured her I would be in within the next day to pay the balance. She informed me that as soon as i brought the account current I could re-establish the account and nothing would be reported to credit bureaus if i acted fast. I visited the local branch in XXXX where i setup the account on XXXX/XXXX/XXXX. Stood in a long line sick with XXXX to get resolution. I had my checkbook and debit card from another institution and was told they only took cash for closeout. The teller was able to let me do a debit transaction since I stood in line so long and the bank was about close ( see screen shot of transaction on my account ). I paid the transaction. Signed receipt and was told that I would get something i the mail. Never did. A week later I get an alert that negative information was added to my credit report. The bank listed the item on my credit report as a collection item AFTER i was told by the representative that nothing would be reported negatively. I called the bank several times within the past couple of days. Today XXXX was the final attempt to get resolution before filing a complaint. Today I had my notebook hand to jot down names and times. I spoke with XXXX at XXXX  this morning around XXXX. She verified my account with various questions and proceeded to ask me how she can help. I explained the story about the closing of my account due financial challenges and my visit on the XXXX to pay the account in full. I informed her that nothing was supposed to be report. I did n't remember the previous representative i spoke to on my initial call. XXXX informed me she was " unable to verify my account '' and I needed to visit a local branch. I informed her I ca n't due to my work hours and that XXXX  just called me last week to offer me a pre-approved refi on my mortgage -- how can you not verify my account. I asked for a supervisor and was told they were all busy. I got the names of the supervisors XXXX or XXXX who were going to return my call. I called back around XXXX because i was on break and had not heard back. I was told they were still busy. After getting home from work I checked VM and XXXX from XXXX called at XXXX. i had no energy to call him back or re-explain the issue at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (FHA mortgage) with CITYWORTH MORTGAGE LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: CityWorth Mortgage refuse to give or sign the release form for my apprasial I have sent a formal letter of request which is enclosed in the documents and this company refuse to do it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 'm at my wits end with these credit bureaus! I need help from someone before I get my attorney involved! I have accounts that are being reinserted on my file that were deleted previously. Some of them have been deleted and then reinserted and then deleted and then reinserted, etc. Each time they reinsert, I write to get them removed again. i am a victim of identity theft and all of these accounts were on the police report. I am so tired of this. At no time EVER did they notify me of the reinsertions, therefore, they must be removed solely based off of that! You will find the disputed accounts in the attachements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2016 about Payday loan () with Financial Asset Management, Inc. (NV).
Issue: Charged bank acct wrong day or amt

Complaint: I had a pending payment due on XX/XX/2016 of this month. When I learned my deposit was not coming in until the XX/XX/XXXX, I sent the company an e-mail and this is what XXXX responded : " If it is going to return back then we will need to decline your new loan request. We will notate your account and your other loan is still scheduled for the XX/XX/XXXX. '' I had a pending loan that I had tried taking out so I could have money for the holiday. This is my response : I just got the decline notice. That 's fine. I can try again after it clears on the XX/XX/XXXX. I just want to get a little extra before the holiday since I have no groceries. 

That being said, I was under the understanding that the payment would be taken out on the XX/XX/XXXX, not the XX/XX/XXXX. However when I checked my account on the XX/XX/XXXX, I found that I was overdrawn. The payment attempted to go through which resulted in a slew of overdraft fees, the cancellation of my online payments to the gas company and a state of financial dire straits until the deposit came in. Unfortunately, the majority of my planned deposit was taken by overdraft charges. I incurred about {$200.00} in overdraft fees because of this incident. 

Then, out of this last paycheck XX/XX/XXXX, XXXX payments were taken out from this company because of the returned payment which I had tried to avoid leaving me with precious little in my bank account to pay my rent, pay my utilities, get groceries, and other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification thru Chase bank since 2011 i have done multiple applications upon their request, and at which time they have had me send material after material and after a long procwss i end up having to do a new application just to start over time and time again ..On at least XXXX occassions i have had my home put into a forclosure situation and followed with a sherriff sale, but have fortunatly gotten these to be retreived.. My complaint is that in the beginning i was informed by the Chase Bank Reps to stop making payments on my home loan and it would help the Modification program to move along faster.. which was untrue alls it did was put me so far behind that i could not catch up, now this is one of the reason they say they cant modify ..I believe this was totally done intentionally, i have sent names and ext numbers of all the earlier representatives to the Executive office only to get a answer on the present not any answers on any of the representatives that had me or informed me to stop paying on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Problems caused by my funds being low

Complaint: I was charged overdrafts on my bank account for previously pending charges while still being allowed by my bank to withdraw {$180.00} out of a check that I had just deposited for {$500.00} their claim was by letting me have the {$180.00} it made my pending authorized purchases Invalid and that I was charged a overdraft fee for every purchase even though I still had the same check which I was allowed to purchase {$180.00} worth of merchandise on in my account if it was good enough to cover that it should also have covered the XXXX prior purchases which came to a combined total of {$11.00} also in addition to this my monthly social security checks were also entered my account for a total of {$750.00} all of this activity occurred on XXXX/XXXX/2015. The reason that I know how much I was authorized to spend out of the {$500.00} check that I deposited was because the initial total of my merchandise came to {$310.00} when I swipped my ATM card it only authorized me {$190.00} so I had the purchase voided and the {$190.00} put back on my card I then choose {$180.00} worth of merchandise which I was allowed to purchase, but before depositing the check and with everything pending I still had {$1.00} in my account. When I went to the bank about the overdrafts, I was given XXXX different explanation over the course of two days, first by the teller initially, who said it was because I made a purchased of {$6.00} on XXXX/XXXX/2015 I then asked to speak with the manager he was busy, so after waiting about a half hour the assistant manager said she would look at it she gave me an entirely different explanation, telling me that they really did me a favor by letting me have the {$180.00}. Becaused the check had not cleared this was on XXXX/XXXX/2015. I returned on XXXX/XXXX/2015 this time I met with the manager who gave me still a different explanation but advised me to take the overdraft protection of my account and said that he would refund XXXX of the overdrafts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2016 about Credit card () with Innovis (TX).
Issue: Closing/Cancelling account

Complaint: I am disputing the findings of Innovis Consumer Reporting Agency because it failed to properly and adequately investigate my claims in the dispute against XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead Innovis Consumer Reporting Agency supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX XXXX Bank, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and E ). 
1. I am disputing the claim of XXXX XXXX Bank against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, K, and M ). 
2. XXXX XXXX Bank denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX XXXX Bank made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and K ). 
3. XXXX XXXX Bank denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX XXXX Bank officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. Innovis Consumer Reporting Agency did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX XXXX Bank that its summary of statements were accurate, hence unfairly confirming the position of XXXX XXXX Bank against me based on inaccurate accounting ( attachment G, H ). 
5. Innovis Consumer Reporting Agency did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
6. Innovis Consumer Reporting Agency refused to respond to my request for the details of their investigation ( attachment N ). 

Therefore, my account ending XXXX with XXXX XXXX Bank should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and E ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: L2Inc/XXXX XXXX retail had pulled an inquiry on XXXX/XXXX/XXXX without permissible use or authorization by me. They so not have permissible purposevti access my credit file. There is no proven valid need as defined under FCRA, and they can not show an agreement between end user and I.

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 03-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion stands alone in verifying XXXX ACCT XXXX, A PAID COLLECTION.TRANSUNION VIOLATES FCRA IN ACCURACY OF THE AMOUNT PAID, $ XXXX.THEIR CLIENT, XXXX has violated the XXXX FDCPA of CALIFORNIA in misrepresentation in the course of collecting a debt to collect an illegal service fee of XXXX dollars.IN CALIFORNIA I AM ENTITLED TO DAMAGES from the bureau as well as the collector for XXXX.in addition the attorney general can prosecute criminally. 
I have enclosed the excerpts from the statute as well as the Bureau of Consumer Affairs summary of the CA statute.Transunion aids and abets XXXX with what could be a Rico Act violation in collection of debts changing the amount of legal damages that could be paid to me.

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