milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2018 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY ().
Issue: Trouble during payment process

Complaint: XXXX /wells fargo bank fraudulently forclosed XXXX  county court XXXX  case no XXXX final judgemant XX/XX/2013 XXXX county court, kel atterneys /XXXX   /XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX tel XXXX XXXX XXXX XXXX XXXX atterney acting XXXX XXXX  they took my money and did nothing bank stole my home with over {$270000.00} equity in the house value by the bank {$560000.00} and lent a mortgage of {$250000.00} 50 % equity no missed paymants 3 forms of proof of paymants bank forged and doctered bank statemants, the bank cleared out my escrow acount prior to putting me in forclosure, the bank sent the contents of my escrow acount to my home owners insurance that was already paid for the year sent the cheques then closed the mortgage acount saying in forclosure funds came back to the bank? acount was incredit over {$7000.00}. they stole that money also a co signed insurance cheque for {$2500.00}. the bank stole also this was a complete act of fraud and deception committed the XXXX  county judge XXXX XXXX in XXXX  with the bank in a 4 min heering XXXX XXXX refused to look at proof of paymant and the court reporter disapeared? XXXX atterneys took money up front and did nothing to prevent the forclosure i have over 40 CFPB case complaints against XXXX wells fargo bank but the cfpb have done nothing for me you have all the information on file i will take the bank to court thanks o i reported the cfpb to the ombudsman for doing nothing

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 08/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was on a repaying option until XXXX 2017. I got a letter asking to call in to get back on it. I did before my XX/XX/XXXX bill was due. I gave them a lot of financial information and they said I no longer qualify. I am not sure why I do n't since I get paid the same and I have the same bills as before. On my payment plan, I paid {$300.00}, the next month off of it they wanted {$330.00}. I paid it so I would n't be late but I do live paycheck to paycheck and if something big was going to happen like if my car stopped working, I would have no money to fix it and then I could n't go to work to have money to pay any bills. Now, they are saying that my bill is {$400.00}. I can not do that. {$300.00} was difficult for me. They have never given me any options or told me what they can do to help. I also do not understand why my payment is going up every month.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There are repeats or multiple accounts of my student loans. I only have XXXX students loans. My report says I have XXXX open loans. It appears there duplicates of the same loan more than once. My total student loan debt should be around 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 03/17/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I have a problem with a loan I got in XXXX XXXX, and subsequently refinanced again in a later date. Now about six months ago I found out that there are still XXXX outstanding liens from this transaction on my property. Also in XXXX the hat a wildfire come through and burned my house and most my records. This loan from XXXX was financed by Bank of America and I 've been working with Bank of America for six months or more and they are on able or unwilling to give me any pertinent information. These liens on my property from the prior owner causes me great financial trouble, I can not get in equity line of credit or sell the property lists these XXXX outstanding liens present. Thank you very much XXXX 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 09-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax has lead an out of date SOL public record on my report affect my credibility with financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Payday loan) with BTH Management (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a request to verify the debt and received zero proof of the debt validation. I do NOT have a contract with Plaza Services nor have I ever done business with their institution. I do not owe this debt. Plaza Services has failed to comply with the FTC and has violated my rights as a consumer. I want Plaza Services to remove their information from credit reporting agencies as the information is false and affecting me negatively. Again this is a violation of the FTC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Consumer Loan (Installment loan) with Scott Lowery Law Office, P.C. (CO).
Issue: Problems when you are unable to pay

Complaint: DEAR SIR, I WOULD BE MOST GRATEFUL IF YOU COULD ASSIST IN WHATEVER WAYS YOU CAN SINCE I CAN NOT AFFORD A LAWYER. 

MY COMPALINT IS AGAINST CATCH LLC REPRESENTED BY LAWYERS XXXX.SCOTT LOWERY OF XXXX XXXX IN XXXX I HAVE A CREDIT CARD DEBT OF XXXX $ ( FROM XXXX.THEY SENT ME TO COLLECTION BECAUSE I MISED A FEW PAYMENTS WHEN I HAD NO JOB AFTER MOVING TO XXXX XXXX. ) I HAVE ALREADY PAID THE ABOVE LAWYERS FOR OVER A YEAR ALREADY ( AS AGREED WITH XXXX. SCOTT REP AT {$50.00} EVERY MONTH ) BUT I CAN NOT AFFORD TO STOP PAYMENT WHEN THIS IS DUE BECAUSE THEN THEY WILL ONLY ASK THE XXXX XXXX COURTS ( WHERE I WILL GET NO SAY ) TO COLLECT ON THEIR BEHALF. 
THE COURTS WILL IN TURN AGAIN TAKE MONEY ( THE AMOUNT OF WHICH I CAN NOT DETERMINE ) FROM MY SALARY. 

I HAVE HAD THIS PROBLEM BEFORE FOR A PERSONAL LOAN ( OF XXXX $ ALSO FROM XXXX XXXX XXXX. ) XXXX ( WHICH WAS BAILED OUT BY GOVERNMENT ) SENT ME TO COLLECTIONS AND I PAID XXXX SCOTT LOWERY FOR A WHOLE YEAR ( XXXX $ NOT TAKING INTO ACCOUNT WHAT I HAD ALREADY PAID THE BANK ) AND THEY SCAMMED ME. 
THEY SAID I WAS LATE FOR PAYMENTS AND TOOK THE WHOLE {$1200.00} AND POCKETED THE MONEY. 

THE AMOUNT PAID WAS NEVER PUT AGAINST THE LOAN REPAYMENT. 

I THEN STOPPED PAYMENT AND THEY THEN JUST TURNED AROUND TO THE XXXX XXXX XXXX TO COLLECT ON THEIR BEHALF. 

I GOT NO FAIR REPRESENTATION FROM THE COURTS AND THEY JUST USED THEIR AUTHORITY. 

TILL NOW THE COURTS ARE TAKING MONEY FROM MY SALARY AND I HAVE NO CLUE HOW MUCH AND FOR HOW LONG..THE COURTS HAVE NO EXPLAINATIONS FOR ME. 
THEY ONLY REPRESENT THE MEN IN SUITS. 

I THINK THIS IS A BIG SCAM ABOVE ANYTHING ELSE AND I LOOK AT THIS WHOLE SET UP AS EXTORTION AND/ OR ROBBERY IN BROAD DAYLIGHT. 

TO THAT EFFECT I WOULD BE MOST GRATEFUL IF GENTLEMEN, YOU COULD KINDLY ASSIST AND ADVISE AS TO WHEN, HOW AND WHERE I FINALLY PUT AN END TO THOSE DEBT PAYMENTS AND STOP DEALING WITH CROOKS AND SCAMMERS. 

I THINK THAT THOSE PEOPLE IN SUITS SHOULD ALSO BE HELD ACCOUNTABLE LIKE ANY INDIVIDUAL. 

I 'VE DONE ALL I CAN TO PAY OF MY DEBTS AND I AM STILL WORKING HARD TO GET OUT OF DEBT TOTALLY HOWEVER IF I AM TO PAY {$1800.00} FOR MY WHOLE LIFE THEN I MIGHT AS WELL STOP WORKING ALTOGETHER AND LET THE STATE TAKE CARE OF ME..MAYBE THE STATE WILL THEN TAKE CARE OF MY DEBTS TOO. 

XXXX NEVER GAVE ME A CHANCE AND I LOOK AT CATCH LLC AS RESORTING TO EXTORTION THROUGH THEIR LAWYERS AND THE XXXX XXXX XXXX, I AM SURE YOU WILL AGREE WITH ME SIR, THAT THESE CONDITIONS ARE UNTOLERABLE. 

I THANK YOU IN ADVANCE SIR AND LOOK FORWARD TO A POSITIVE RESPONSE FROM YOUR END.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan # XXXX XX/XX/XXXX, Well Fargo gave XXXX loan under my information. XX/XX/XXXX I did not have a job or file Tax Returns. Yet with False documents Montgages were taken out in my name. One of the property was foreclosed already and the other one is coming up for foreclosure on XX/XX/XXXX. I have never been to california nor have I ever lived in california I have made several attemps to resolve this issue but can not get it resolve. I have never sign any documents nor visited any title company. I will like for this matter to be resolve. 
My Phone number is 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 01/14/2016 about Debt collection (I do not know) with Express Recovery Services, Inc. (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling a place of business repeatly after bring asked not to call a place of business to locate the debtor. Calls occurred XXXX XXXX XXXX and again XXXX XXXX, XXXX. 
Company is Express Recovery Services, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX https : //www.expressrecovery.com

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Student loan (Private student loan) with GREAT LAKES (MN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX issued a garnisment of my wages in XX/XX/XXXX. They have been taking 15 % of my income since then. At one point they offered a repayment option to stop the garnishment ( XX/XX/XXXX I think ). However that repayment plan had a clause that said if you were late with XXXX payment you were back in default. I opted not to take the plan. In XX/XX/XXXX my employer took out the last payment to Great lakes. On XX/XX/XXXX I got a letter stating I still owed them another {$3000.00}. ( The amount has actually gone up since the date of their letter. ) The original garnishment was for {$20000.00}. Since then I have paid them roughly {$22000.00} and now they want XXXX more for a total of approx {$25000.00}. ( It will actually be higher as they are adding XXXX plus dollars to the bill every month ) I can not make my house payment and other monthly bills going forward as they are taking XXXX dollars from each paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Consumer Loan (Installment loan) with SUN LOAN COMPANY INC. (TX).
Issue: Shopping for a loan or lease

Complaint: There 's is a error on my credit repor A hard inquiry that does not belong to me sun loan 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 non-monetary relief
Consumer complaint received 08-02-2016 about Consumer Loan (Vehicle loan) with PROFICIO FINANCIAL SERVICES, LLC (WA).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX in XXXX reposed a vehicle from me. The loan was through XXXX XXXX. XXXX XXXX sold the automobile after repossession from their car lot instead of auctioning it. XXXX XXXX then sent me to collections saying I owed them {$5000.00} and Proficio Financial in XXXX XXXX Washington reported the debt on my XXXX report as owing over {$14000.00}. After receiving notice of my complaint, Proficio reported to the Washington State attorney general that they had made an " input '' error. I disputed the debt with Proficio and they have mailed me nothing to show the debt is valid. XXXX XXXX is acting like hteye are a lender not a car dealer and this is harassment from them. They also illegally repossessed the car in the first month I owned it because they " forgot to take it of the repo list '' At that time I was current on my contract.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/2015 person ( s ) unknown attempted to open or opened an account with XXXX/XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX, telephone number : XXXX. I became aware of this due to a fraud alert on Experian Credit. I need to have this investigated to determine if the account was opened, closed, etc. also, if my credit report was requested then a hard credit inquiry would be on my credit report. I need to have this removed. I am calling XXXX XXXX to find out what information they have developed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CREDCO INITIATED  XXXX  FRAUDULENT INQUIRES ON MY CREDIT. THESE FRAUDULENT INQUIRES WERE INITIATED ON  XXXX   XXXX ,  2017  &  XXXX   XXXX ,  XXXX , &  XXXX ,  2017 . REMOVE FRAUDULENT INQUIRES.

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 06/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NE).
Issue: Struggling to pay mortgage

Complaint: Ocwen Mortgage took over the Servicing of my loan a few years back. They have accepted payments on the account, but do not seem to be applying the payments and

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Chase 's poor service and actions have led to credit score being below XXXX. Chase long drawn out process affected getting loan refinancing and loan modification causing great hardship. Chase also had me pay off and close XXXX XXXX to apply for loan refinancing which also negatively affected my credit. I had a cosigner that is a XXXX XXXX and had more income {$75000.00} than I owed on my loan. Chase never can be reached calls go to voicemail!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a notice from TransUnion and XXXX credit reporting companies that XXXX was reporting incorrect information to my credit file. Soon as I found out, I contacted both credit reporting companies and XXXX to provide more information about the alleged debt. I have not received a proper response from XXXX and I have not received any documents or evidence from the credit reporting companies about the alleged debt. I have been a victim of identity theft and have submitted several police reports and identity theft reports to XXXX and TransUnion as proof.

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 02/20/2016 about Mortgage (Other mortgage) with Seterus, Inc. (NH).
Issue: Loan modification,collection,foreclosure

Complaint: I was refused principal reduction by seterus inc on behalf of XXXX, and instead was modified with forged documents ( I never signed the modification ) adding 14 years to my obligation as well as thousands of dollars added to the principle. throughout the last couple of years I have been harassed, trespassed against, belittled, disrespected, mislead, directly lied to ( with material evidence to prove ), by agents of XXXX and seterus. my loan would qualify for the settlements with XXXX but I was XXXX with the airborne so I was protected from foreclosure by the SCRA, XXXX could hide the loan from the reviews, XXXX also was fully aware of the tumult situation I was facing do to being on orders away from the home and forced to rent it at a nearly XXXX % deficit throughout my service as well as after discharge since it was rented to a XXXX couple who have XXXX young children and I could not evict them. I have been shaken to my core by the derelict conduct of seterus, XXXX, NH governor, our NH federal representatives, organization who look only at the barrower with no attention to the impacts of other markets having fluctuated to negativity impact mortgage situations. What a freakin joke to say we are free, free to be financially enslaved by tyrannical companies that government is in XXXX bed with????? it 's such total XXXX that now XXXX is falling out of websites like yours that offers " help '' and out of the mouths of our public and private leaders. 

Prove this combat veteran wrong, restore my faith in this democracy by bringing swift justice to seterus by revoking the charter that gives these despots life and protection. I must be a fanatical patriot, an extremist, to say such things you may think but I say you must be mentally handicap to not see our country being steamrolled by foreign interests and A-moral business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Medical debt) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have filed numerous reports with the bureaus, I filed a police report, I have disputed the accounts being reported as collections by Services of Athens. When XXXX investigated the accounts, with total disregard of the theft reported ; Service of Athens continuously verified the debts with the bureau, erroneously claiming they are mine. This has gone on for over a year. They have had substantial time to correct the matter and refuse to do so. account number XXXX for {$24000.00} and account number XXXX for {$42000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit card () with BARCLAYS BANK DELAWARE (NV).
Issue: Advertising and marketing

Complaint: My husband and I have XXXX XXXX Business MasterCard accounts. This card replaced our frequent flyer XXXX XXXX Visa Business Card which we were very happy with for over 20 years. Upon activation of our XXXX XXXX Business MasterCard we were ensured that we would earn an annual companion certificate good for XXXX guest to travel on an XXXX XXXX operated flight for {$99.00}, plus taxes and fees, after we spent {$30000.00} or more in purchases since our last account anniversary and maintained our card membership, which we have. We used to receive XXXX XXXX XXXX companion certificates without any difficulty. We have yet to receive the XXXX companion certificate that we are entitled to. We have made countless attempts over the past 4 months to obtain the companion certificate from the credit card issuer, Barclays Bank. To say that we have been treated very rudely by their customer service representatives and supervisors, is an understatement. I have been informed by XXXX XXXX representatives that they have received numerous complaints from XXXX XXXX Business MasterCard cardholders regarding the same issue.

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 monetary relief
Consumer complaint received 05-03-2016 about Debt collection (Non-federal student loan) with AES/PHEAA (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: A letter was sent to this company on XXXX XXXX requesting validation of this debt and to request all further contact be via mail only. 

A letter was sent by me and by my husband who was a co-signer on this loan. Delivery for both letter was confirmed on XXXX XXXX ( can provide tracking numbers ) My husband has received XXXX documents from them that do not apply to the debt they are collecting and has someone else 's social security numbers on them so I know this letter has been received. However they have not responded to my letter. 

They have continued to call my house, my husband 's place of employment and my cell phone number listed above. The last voicemail left on my cell phone was XXXX/XXXX/2016 at XXXX. The last call to my house was XXXX/XXXX/2016 at XXXX. 

My husband has asked them when they have called him at work not to contact him and they have continued to do so. This is a company with no respect of the law trying to collect a debt that has been passed through at least XXXX different collection agencies none of which can provide proof of debt or proof that they have the master promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I was studying abroad in XXXX. During my time I was at a club XXXX night and my debit card was stolen out of my wallet and was charged about {$1500.00} XXXX dollars. I filed a claim to Chase right when this happened. They initially refunded me the money that was stolen from me and XXXX weeks later they claimed the transaction was correct. I have tried multiple times to work with them. I followed all requirement s to submit the claim and they continue to tell me it was correct. They state I had signed for it and I had them mail me the receipts of my signature and the signature is not mine. I even went into Chase and provided them with my signature, my passport signature and license signature to show them the signature does not match. They continue to tell me the charge is correct when it was not. I called numerous times and sent them numerous letters to handle this and they continue to tell me the charge was authorized by me when it was n't. I have provided photos of emails I sent them, the police report I filed and the letter I wrote to Chase.

Company response to consumer: Closed with monetary relief