milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (IN).
Issue: Trouble during payment process

Complaint: BB & T has failed to act in good-faith to recognize the rights of, communicate with, or provide loss mitigation to the Successors-Of-Interests of an inherited property subject of a conventional mortgage held by their institution. On XXXX XXXX, XXXX BB & T initiated a foreclosure proceeding against the property naming the Successors-Of-Interest as parties for alleged default. 

This court initiated action by BB & T acknowledges in their complaint personal knowledge of key material facts including : the XXXX of the borrower, execution of a recorded transfer on XXXX  deed and affidavit in accordance with state law, and the name and whereabouts of the Successors-Of-Interest. Despite this declared knowledge, BB & T has provided no good-faith effort to acknowledge the Successors-Of-Interest rights, communicate with the Successors-Of-Interest directly, or provide notices of default, acceleration, or loss mitigation options to the Successors-Of-Interest to preserve their rights prior to filing for foreclosure.

BB & T was first notified by the Successors-Of-Interest of the XXXX of the borrower in XXXX XXXX by first class mail. BB & T or its agent/representative was additionally notified during a face-to-face property inspection performed by or on behalf of XXXX on or about XXXX XXXX. BB & T has been provided relevant documents via mail to include : XXXX XXXX of the borrower, obituary of the borrower, transfer on XXXX deed and affidavit transferring interest to the Successors-Of-Interests, and the last will and testament of the borrower. 

BB & T has not provided confirmation of receipt of said notices and/or to refuse to communicate with the Successors-Of-Interests due to lack of confirmation. This last occurred via telephone on or about XXXX/XXXX/XXXX. BB & T requested the information be resubmitted on XXXX/XXXX/XXXX. This was completed on XXXX/XXXX/XXXX via fax and will be additionally included with this complaint. 

BB & T has accepted payment from the Successors-Of-Interest since the XXXX of the borrower without issue. As of XXXX/XXXX/XXXX Successors-Of-Interests believe no default in payment exists despite such claim in the foreclosure complaint. BB & T refused to provide any information regarding this claim upon telephone request XXXX/XXXX/XXXX. 

It is the position of the Successors-Of-Interests that regardless of any claim of nonreceipt by BB & T of prior notices -- BB & T acknowledges personal knowledge of the XXXX of the borrower and the existence of the Successors-Of-Interests in their foreclosure complaint. Failure to attempt to offer loss mitigation options to the known Successors-Of-Interests prior to the filing of a foreclosure complaint seems contrary to the public interest and established regulations, interpretations, and law. 

It is the intent of the Successors-Of-Interests to act in good faith to resolve any issues related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (I do not know) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received 2 emails from FCS Advance Loans, the first email was sent on XX/XX/XXXX and XX/XX/XXXX. The first letter I received on XX/XX/XXXX it was sent to my personal gmail account and in the letter they claimed I owed a debt of {$840.00} and threaten legal action, credit reporting, and garnish wages. After I received this letter I ignored it because I knew I did not apply to this loan and I am not familiar with this company. 

Fast Forward to XX/XX/XXXX, I received another email from the same company claiming that I owed {$840.00} and threatening legal action, credit reporting, and garnish wages. This time I responded to the email stating that I did not apply for this loan and that I did not appreciate the threats. A person name XXXX XXXX respond to my email stating he wants to settle thie balance of {$840.00} or else. 

The first email from FCS INCORP on XX/XX/XXXX ( the file number is XXXX and balance is {$840.00}. The email address is XXXXXXXXXXXX and phone number is XXXX The second email from FCS INCORP ON XX/XX/XXXX the file number is XXXX and amount is {$320.00} Initial Loan and Total Out Standing Balance is {$840.00}. The email address is XXXXXXXXXXXX and person number and phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (I do not know) with NCC Business Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ncc is reporting XXXX balances of {$1400.00} and {$500.00} and they do not show me any information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Overlimit fee

Complaint: Hi based on Bank of America overdraft fee class action lawsuit, I was not refunded for the overdraft fee that they charged me on 3 months in a row back on XXXX for XXXX, XXXX and XXXX and a late fee for XXXX XXXX, each of them in the amount of {$35.00}. It was only XXXX late fee that should be waived as I know other credit cards are offering to their customer. I was their customer since XXXX, on XXXX I proved enough for my loyalty besides them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CCB Credit Serivces, Inc (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I had a few hard inquiries without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I disputed an amount XXXX University charged me for attending there college. This amount was removed from all credit bureaus except Experian. Experian informed me that XXXX college said they refuse to remove and they were going to increase amount and report more frequently. This is in retaliation against me of a lawsuit I won against them for false claims to award employment to students upon graduation. I have attached this lawsuit that was awarded in my favor. All reported credit bureaus have removed this debt, accept Experian who stated XXXX refused and plans to increase debt and report more frequently as retaliation against 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
Consumer complaint received 04-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo sold my mortgage to XXXX XXXX XXXX ( XXXX ). Wells Fargo has a functional website and easily available customer service. XXXX is difficult to get in touch with and get help from. Every interaction I have with XXXX makes me angry. It 's bait and switch to get financing from a company with a good reputation and then get handed over to a horrible company.

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 11/13/2017 about Debt collection (I do not know) with Specialized Loan Servicing LLC (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This complaint is against SLS - Specialized Loan Servicing -  trying to attempt to collect an unverifiable debt that 's been charged off not once but at least twice prior - if we are even talking about the same " loan ''. They very well may be trying to collect on fake debt for the Supposed Holder in Due Course, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX internal statement XX/XX/XXXX shows Realized Loss of {$60000.00} on Group XXXX - Loan ID XXXX. 

Then an internal XXXX XXXX XXXX statement inadvertently sent to me shows the very same transaction being " charged off '' for {$60000.00} on XX/XX/XXXX referencing data from the XXXX  - XXXX XXXX XXXX XXXX. Loan ID XXXX. 

Then magic happens and SLS assigns XXXX as the new account number on an alleged outstanding principal balance of {$60000.00}. 

This banking / " mortgage '' / loan mischief and deception is to cease now. The shenanigans are truly out of hand.

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 09-01-2015 about Debt collection (I do not know) with Firstsource Advantage, LLC (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is contacting daily for a deceased person 's debt. They have also left messages on an open voicemail service, so I was able to learn about the debt. They are also calling other parties constantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian has a social security number " variant '' in my data. I tried to create a dispute with their online tool but they refuse to make the change online and will only allow a phone call. I tried calling them, but the wait time is estimated at over an hour. I do n't have a phone with a battery large enough to be waiting that long.

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 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Since the announcement of the Equifax data breach on XX/XX/XXXX, I have been trying to freeze my account online with them. Every single day I try and I receive an error message through their website, I have tried different browsers, different times and different computers. When I finally called them on XX/XX/XXXX, I was given a number XXXX, when I call the automated number it request a pin which I have not been provided and have no idea how to get. When I press 2 for " no pin '' I am told to call back when I have this magical pin, then hung up on. This is not acceptable as per their website I was affected.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (KY).
Issue: Trouble during payment process

Complaint: On  XXXX / XXXX /17 a payment was made through my bank account for my mortgage payment to Ditech Financial LLC to an accidental incorrect account number. (  XXXX  ) A month later I get a letter in the mail saying the payment was never made because I had accidentally typed the wrong account number in payment information. I called Ditech Financial immediately and made two months payments on  XXXX / XXXX /17 to make the account even and Ditech said they would do a research to find funds and apply it to the account. That has never happened. I have filed at least four disputes to get the money back and they keep saying they can not locate the money even though my bank has faxed Ditech the Federal Trace information numerous times to show with 100 % certainty the money was sent and they have the money. I had the bank three way call Ditech with me to verify that funds were sent and they never came back to my account because of a bounced back payment from Ditech. Since Ditech can not find the money in their system they keep denying the dispute. I understand I made a mistake with typing the wrong account number but Ditech Financial for sure received the payment in their account and refuse to make right of my overpayment for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft victim, police report # 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 04-03-2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Due to financial crisis, we are behind in our mortgage payments. XXXX refused to take our mortgage payments. They jacked up our principal balance by adding up late penalties and legal charges. They agreed to modify our loan but added up the fore board charges which made the loan amount truly unaffordable, however, the property value appraised for {$600000.00}. The attached letter is self explanatory.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I went into a branch on X/XX/17 and made a CASH payment with a teller. My payment processed on X/XX/17, however my available credit has not changed. According to the representative and then supervisor I spoke with this morning, they are still verifying my payment. They said it is still pending and the hold will drop tomorrow, unless they contact someone at the branch and verify. I waited for them to call, but nobody at the branch answered the phone. 
They take 9 days to verify cash transactions? They also did the same thing when I made a deposit through the atm into my checking account. I had to call and wait, and then go through verification that a deposit of CASH was made. 
They are sitting and holding peoples money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XX/XX/XXXX, I noted that a charge of {$190.00} was pending out of my Netspend account. The company that was attempting to charge the funds is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX . 
I immediately called Netspend and was told by their representative that because the transaction was pending, they would not file a dispute until the transaction was complete. I told them this was not acceptable as I knew nothing about this company and had not made a purchase, nor was I authorizing any transaction with the company. 
Netspend told me that because a fraudulent charge had been made, they needed to block card and send me a new card. They told me, by doing this, they would be able to stop any further action on the account.
I spoke with a manager and she told me she would be refunding the money to the account, which she did. The following day, the funds were back in the account. However, in blocking the card, and therefore blocking the account, net spend made a transaction by the IRS to remove {$500.00} from the account, impossible.
Yet, the fraudulent company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , who made an attempt to draw out funds again on XX/XX/XXXX, was able to do so for {$190.00}, thus making the funds Netspend had reimbursed the account for on the XX/XX/XXXX no longer available. 
I called Netspend again to try and resolve the issue and I spoke with an agent, and a supervisor, only to be told that NOW I needed to submit the dispute in writing and it would take 10 days from the date Netspend receives it to help qualify me for reimbursement on a fraudulent transaction that I tried to prevent in the first place.
In the mean time, I have no access to my money in the Netspend account, as I am still waiting for the new card.
I called Netspend again today to close the account and to have access to my funds, only to be told I have to wait for the card to arrive.
I tried to file a complaint with Netspend, which they took over the phone, but refused to allow me to speak with their complaint department or their legal department, and refused to even send me a copy of the complaint they are supposedly submitting.

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Midwest Recovery Systems reported in a false manner that I took out a payday loan from XXXX XXXXXXXX XXXX onXX/XX/XXXX in amount of {$260.00}. It then has just appeared on my credit report as a defaulted account and just appeared on my credit report onXX/XX/XXXX. I have done a direct dispute with XXXX   and XXXX. However XXXX is saying that it is accurate. I will be calling them ; But I never took out this payday loan and want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 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: Information belongs to someone else

Complaint: I have been disputing inaccurate names, addresses, phone numbers, employment, inquiries as well as public records since XX/XX/XXXX.  I have never received an updated report from Equifax or XXXX concerning these matters as of XX/XX/XXXX. 
All 3 has told me to contact the companies of the inquires and have them to delete, I did that at least 3x with all and was told that it 's up to the bureau to remove. I 'm not saying all are not mine but MOST of them are not and I have sent in a list to all 3 bureaus multiple times over the past several months. I have requested from all 3 bureaus to provide me proof as I am entitle to have, that was provided to them from there investigation for my public record, I have not received any documentations from either bureau as of XXXX. I also have a identity theft police report on file with all 3 bureaus. 

Hear is a list of the inquiries that are not authorized : EQUIFAX : XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XXXX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX : XXXX/XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX-XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX INACCURATE PERSONAL INFORAMTION : NAME- XXXX XXXX EMPLOYEMENT- XXXX XXXX XXXX XXXX : NAME : XXXX XXXX I ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX : ADDRESS : XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX , IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This loan reached it 's 10 year maturity date in XXXX 2016. The account balance has been at zero for over 2 years. I have been requesting that OCWEN file a deed of reconveyance for over 6 months. They now claim that i must wait another XXXX9 weeks while they perform a " chain of title '' research through a third party agency. Totally unacceptable. They have moved me to an " escalation manager '' who is totally useless.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was in default with my student loans and Navient contacted me in regards to them and I started the repayment plan to get me out of forebearance. But, they knew I worked at XXXX because my check was garnished for awhile and never told me of the Public service loan forgiveness program which I was eligible for. That was over 3 years ago and I would of made sure i kept up with my loans while in XXXX College. I saw the lawsuit against Navient and wanted to make sure I was part of this as well. Please let me know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit card () with DISCOVER BANK (IL).
Issue: Transaction issue

Complaint: Last year I got involved with several fraudulent companies that contacted me to sell me their services, that I did not solicited. After I paid the first XXXX, many others were calling me like they were all connected offering me online services related that were unnecessary. XXXX XXXX XXXX was XXXX of them, they called me on XXXX/XXXX/2016 and I was told they guaranteed XXXX leads plus internet marketing, 6 months of advertising, they said the leads were guaranteed, they said they would deliver leads within 180 days from date of payment clears.Did n't receive it. Leads would apply to my website. I paid them {$3000.00} with my Discover card. No other contact, no emails, or calls, etc. They stated I would make money with this opportunity. Have not made a penny.And they disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Student loan (Federal student loan servicing) with Texas Guaranteed (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My payments are not being reflected accurately on my account. I have requested a detailed statement showing my beginning balance including any fees and cost, payments applied and remaining balance. I have requested this information three times and no one has responded. I have followed TG ombudsman policy to contact the collections department and still have not had a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation