milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (TX).
Issue: Trouble during payment process

Complaint: This complaint is about LoanCare stating that they could use my escrow account to pay a tax invoice that I had received, and then take 2 months with my calling numerous times to then tell me that they are n't responsible for it or the late fees. I had received an invoice from my property tax assessor in XXXX of 2017. I was advised that my loan company was supposed to pay these from my escrow account, so I contacted LoanCare customer service center on XXXX/XXXX/2017 where I was advised to send the invoice by email. I immediately sent the email. A few days later, I received an email saying that the tax department was reviewing it and would get back to me. I did not hear back from them before the end of XXXX, so I called again and was told that they were handling it, and that the report had been expedited, and that LoanCare would pay the taxes, and I would be contacted shortly. I never heard anything, so I contacted them again in XXXX 2017 two more times, and was told that the report had been expedited again, and that they were n't sure why the payment was held up that they would follow up. I still did n't hear anything from them, so in XXXX 2017, I contacted XXXX, a manager, who said the same thing, and when I stated that I was concerned about the late fees, she assured me that the Loan Care would cover the late fees since they were their fault. I still never heard from them, so I contacted them again on XXXX XXXX, 2017 at XXXX XXXX, and got XXXX, who again said that he would 'expedite ' the process, and that he was n't sure why the payment was held up, but could n't get anybody to help me because they were gone. On XXXX XXXX, 2017 at XXXXXXXX XXXX CST, I called again and was put on with XXXX, another manager, who said that she was n't sure what was the issue, and that she would be in contact with me by the end of the day. I called back 5 more times between XXXX XXXX and XXXX CST, and was able to get back in contact with her. She did n't remember me immediately, but was able to find my information. She said that she had been in contact with someone, and said that they were n't paying those taxes, because they were supplemental taxes, and there was n't any money in the escrow account for it. Then, I asked her about the late fees, and she stated that they were my fault for not paying the taxes. I would have just paid the taxes when I got the invoice in XXXX and before the late fees had I known that they were n't paying them, and they would fall on 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 11/30/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My name My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with HSBC Bank in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( XXXX ), I am requesting that XXXX ( who say the own the account ) provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX ( XXXX ) days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( b ) ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Other financial service (Check cashing) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Customer service/Customer relations

Complaint: At age XXXX, my mother fell and was XXXX. Due to geographical limitations, she has savings and checking accounts with a local branch of Bank of America. She has a Durable Power of Attorney naming my brother as the primary, and myself as the secondary, attorneys. She is in XXXX ; my brother is in XXXX ; I live on XXXX XXXX, but have moved temporarily to XXXX to help her through what are probably her final months. When we tried to add my name to her account as a signer so I can pay bills without mailing the bills and a book of checks to XXXX, my brother sent a letter explaining that it is more practical, and fully acceptable to him, for me to exercise the Durable Power of Attorney for the present time. I visited the XXXX branch of B. of A. He visited a XXXX branch. Each gave extremely conflicting and confusing descriptions of the many necessary steps to add my signature to the account. In either case, I believe we would be liable for legal expenses to have my mother 's lawyer revise the Durable Power of Attorney, a revision that would necessarily be temporary and result in further legal expenses and delays at the time of her death. My mother is XXXX and can not get in and out of a vehicle to go to the bank to sign any papers. Bank of America staff are unwilling to make the XXXX-minute round trip to her home to get a signature. Is there any recourse this side of the grave?

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 07/18/2017 about Debt collection (Other debt) with EQUIFAX, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Equifax is reporting a tax lien on my credit report with no identifying information that this is my debt. No name, address, birth date, SSN ... .NOTHING. I have asked that proper identifying information be provided to me and it has NOT. Remove it from my file IMMEDIATELY,

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have sent letters making Transunion aware of the fraudulent inquiries on my credit report and they have not done nothing to properly investigate the matter or provide evidence to validate that the proper protocol was taken care of per the Fraud alert. 

There is a specific statement that states : XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

I have asked them to provide proof that I was contacted per the statement. The only inquiry that would be valid would be XXXX XXXX XXXX on the credit report.

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I pulled my report and found I had unauthorized inquiries on my account. I contact the source and they did nothing they said they had no information on my account. they have did nothing. I contact the Credit bureau as well they have not responded..

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 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On  XXXX / XXXX /  XXXX   full payment of  XXXX  was paid to  Fidelity Rewards Visa Signature  a credit card that is manage by  Elan  Financial.     On  XXXX / XXXX /  XXXX   additional  XXXX  was direct debit out of my fidelity checking account.     On  XXXX / XXXX /  XXXX   fidelity and Elan was notified.  Elan  was unable to refund the mistaking direct debit.     Action request to refund consumer money 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 non-monetary relief
Consumer complaint received 07-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A collection company by the name of Diversified Consultants , Inc., claims that I owe XXXX on XXXX bill. When I got their letter of collection, I 've sent a reply with a dispute letter via USPS with certified/ signature required. I asked them to validate the debit, but what they sent me was a single page statement that is not sufficient to validate this debit. They even reported the debit of collection on my credit reports to all reporting agencies- they completely ignored what I 've asked from them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX, CA - XXXX XXXX/XXXX/2016 Wells Fargo Bank, Customer Correspondence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, NC XXXX Dear Wells Fargo Bank, RE : Bank Associate Given my Accounts details and New ATM card to another Customer Account # XXXX Today XXXX/XXXX/2016 around XXXX I got a Wells Fargo phone alert Debit card ending # XXXX try to ATM Cash withdrawn at XXXX XXXX ATM and due to incorrect PIN transaction has been denied .I got so many alert ( screenshot attached ) and after that I called your call center and stop that above ATM card. 
Even I did n't order any extra ATM card at all past few years. 
After few mutinies later I got four emails from your bank and says I have been changed mailing address / Phone number / Customize Summery Details and Cancelled Wells Fargo Surepay Mobile ( screenshot attached ) .As soon as I log in to my online banking, I seen they have {$200.00} XXXX ATM Cash withdrawn and another {$82.00} ATM Cash withdrawn. I am so shocked and I live in XXXX XXXX and how possible ATM withdrawn while I am in XXXX XXXX. I Called again your call center and informed that my account some fraud activity. 
Agent says Wells Fargo XXXX XXXX Branch issued new ATM card today. How is possible? Without any verification how your banking associate did issued ATM card and that 's the reason another person withdrawn money from my account. And Banking associate update new mailing address and personal contact information to. ( screenshot attached ). 
Good thing is I called your call center and cancelled ATM Card last for number ending # XXXX. 
I am still disappointed and this is serious issues. I should ask legal help this serious matter I need my new ATM Card as soon as possible and Delete my profile XXXX XXXX mailing address. 
Your Bank looking in to my complain serious issues and take an action as soon possible. 

It 's wo n't be happened for future customers .and You should reverse that Amount {$200.00} and {$82.00} as soon as possible. 

If you need any more details contact me ( XXXX ) XXXX Thanks XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX. 
I have asked for proof of this being my account and have not recieved anything. 
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX acollector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The innaccurate negative information is appearing on XXXX, XXXX and equifax credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars. 
The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the account and moved to another carrier.I was being billed heavily as I had added my girlfriend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good or adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting account number XXXX twice as a charge off account to Equifax. On page 23 of the Equifax report dated XX/XX/XXXX it shows account number XXXX, last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off in XX/XX/XXXX with a balance due of {$3300.00}. On page 25 of the Equifax report dated XX/XX/XXXX it shows the same account number XXXX last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off / Sold or Transferred in XX/XX/XXXX with a balance due of {$0.00} NOTE : Page 23 has account number XXXX as being open on XX/XX/XXXX ; Page 25 shows the same account number XXXX as being open 9 days later on XX/XX/XXXX I have contact XXXX XXXX Via Phone on XX/XX/XXXX and on XX/XX/XXXX I have sent them every document they have requested, in both conversations I requested that one of the entries be removed because both entries have the same account number and they are causing double the points to be removed from my credit score, XXXX XXXX has refused

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (TX).
Issue: Making/receiving payments, sending money

Complaint: I am a customer of M & T Bank for my home mortgage since they purchased my mortgage in XXXX. I have always paid my mortgage payment online through M & TBank 's online system. In XXXX XXXX, M & T Bank unlawfully locked me out of my account, in spite of my repeated entries of my valid username and password. I was unable to make my payment on time and was unable to receive any help from M & T Bank customer service to make my payment on time. Now, M & T Bank is insisting I pay a late fee, as well as a fee to pay with a representative, because their own online and phone automated systems did not work correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with REGIONS FINANCIAL CORPORATION (IL).
Issue: Closing on a mortgage

Complaint: Dealing with XXXX XXXX has been a nightmare. The statement for our construction loan provided by the bank was erroneous, and I contacted the bank to correct the problems. After being unable to resolve the issue with the Construction/Permanent Lending team member and the XXXX XXXX XXXX XXXX, I contacted the  department manager XXXX XXXX He has acknowledged the errors in the statement but still refuses to correct them and provide an accurate statement.

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 08-04-2017 about Mortgage (FHA mortgage) with Selene Finance LP (IN).
Issue: Struggling to pay mortgage

Complaint: My mortgage loan is serviced by Selene Finance and the investor is XXXX XXXX. I was previously discharged in a chapter XXXX bankruptcy, but Selene Finance kept aggressively collecting payments on my mortgage loan. Selene Finance finally offered me a trial loan modification in XX/XX/XXXX and the payments were {$770.00} per month. Selene Finance advised after the three month trial plan that a permanent loan modification would be completed. However, they continued to collect trial payments until XX/XX/XXXX and then advised that the loan modification was denied. Selene Finance has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Persection 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or  inducement in any post-petition communication. Selene has also violated the Federal Bankruptcy  codeby proposing a forbearance agreement on the discharged debt. [ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX District of NC, XXXX Division Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violationof the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. [ 1 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. No. XXXX, XXXX. # XXXX ( XXXX. XXXX  NY XX/XX/XXXX ). [ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX No. XXXX, XXXX. # XXXX ( XXXX. S.D. Ohio XXXX ). Selene Finance is in clear violation of CFPB mortgage servicing rules as well, since they have refusedto complete underwriting on complete loan modification packages submitted. Selene has implemented a foreclosure sale date of XX/XX/XXXX. Overall, I feel deceived by Selene Finance on a number of counts and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with National Credit Services, Inc. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hi, my problem is when I was XXXX yrs old I went to get a XXXX at the local XXXX college where I grew up. I was automatically enrolled in a quarter ( I was XXXX, mind you, I had no clue what was happening ) so I figured I 'd give it a shot and it was under a PELL grant. I decided that was not for me, as I was going to be a XXXX, which I am now. So ... here we are, decades later. 

I am told I was enrolled in a different XXXX college, rather some distance from where I lived. I did not. I am told there is a consolidated loan on this. I did not do this, either. I have tried explaining this until my face is blue and get nowhere. 

At this time, I do n't even know what this other college is! 

So, I was contacted by NCS and it seemed I could finally get a resolution. I filled out so much paperwork it seemed to me, maybe someone would actually look into this and fix it. Not so much. They took all my info and proceeded to garnish my wages. I can not have this much taken from me, especially since I do n't owe it. 

I called NCS and was told I was put under a financial hardship and they would not take more than XXXX $ per monthly check. Surprise! It was 15 % of my ENTIRE check, garnished. I 'll end up with no power and no apartment within months if they do this. 

My plan was to go ahead and let them take a garnishment ( small, not fun, but managable ) while I contacted a lawyer to see what I could do about this, as all I get is a runaround and they really do not care to even listen to what is going on, or care if I lose everything so they can just do whatever they want. 

I was suppose to get a phone interview, did not happen. 

They say they wo n't take more than XXXX $ but took twice that amount. 

I was XXXX and did n't know what I was doing ( parents were not involved, just me. ) I have tried, many years, to just talk to, and find out what this is even about. No info is given, they just take my money for some school I never went to. 

I never, at any point in my life, spoke with anyone about, or, consolidated any loans. 

I need help, and did contact a lawyer, who directed me here. Mostly because I have no info on what this even is, as nobody will tell me. All they care about is robbing me. And this is robbery. 

They ca n't even get my name right on this. 

I am a professional, and this is BAD for my reputation.

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