milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Credit card protection / Debt protection

Complaint: My elderly father opened a checking account with Wachovia ( Turned Wells Fargo ) sometimes around XX/XX/XXXX when my dad and I were living in North Carolina. He added me as a power of attorney on his account. XX/XX/XXXX, we moved to Florida, by then, Wachovia became Wells Fargo. Eventually, the bank offered my father a credit card which he added a COPY of the card to my name to help him with his transactions. 
After my father passed around three years ago, I notified Wells Fargo, they stiffed me with the entire balance. It was my father ' card, not mine, but they insisted that it 's my responsibility. I have done my research and found out that I 'm not legally responsible, but Wells Fargo would hear none of it. It has damaged my credit so bad, it has been a total nightmare. 
At one point, I could n't even get a loan to get a car, I was taking a taxi to take my kids to school which drained the family financially.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my reports and noticed several unauthorized inquiries from several different companies. Ive tried disputing those inquiries with the bureau who just replies back with there valid and to contact companies. Ive tried contacting companies with no response. Also a few accounts reporting that Im aware of that bureaus just respond back with there valid but with no prof or actual validation. I have the right to report anything on my reports thats not suppose to be there n request to have deleted. Having these negative items posting on my reports does do much damage to my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 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: I am a victim of hurricane Irma and was offered to place my morgage payment on hold till XXXX XXXX/2017 with no penalty under the civil relief act. I made a agreement with XXXX XXXX to pay back by XX/XX/XXXX and they promised not to report on my credit report. So I place my morgage on a 3 months forbearance. All those promises is all over XXXX website but they are placing all missing payments on my credit report. I had called several times and ask them to remove that from my credit report but so far nothing happened. This is damaging my integrity and I need them to remove that negative information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PR).
Issue: Fraud or scam

Complaint: I was contacted by XXXX XXXX XXXX license # XXXX he said he was a lawyer representing XXXX XXXX in XXXX, XXXX XXXX and stated that my cel # was chosen as a XXXX place winner for a promo for the new dealership. I did not provide personal info, except for what he already had which was my full name and cel #, I did give them my address because he said they would deliver my prize personally. He then said that in order to complete the process they needed XXXX for license, insurance, etc via money gram. He said when I receive the car I was to give him the Money Gram receipt that contained the reference # so the money could be claimed ; when I filled out the Money Gram it was sent to a woman named XXXX XXXX in XXXX, RI whom he said was the promoter for the dealership. According to Money Gram 's website when a person picks up money sent to them, they are to provide a valid ID and the reference #. I never provided anyone with a reference #. So, an hour after realizing this was all a sham I went back to the Money Gram store where I made the transaction to request a refund, but the money was already claimed. The woman at the counter told me that not all Money Gram stores are alike, some do n't need the reference # in order to pick up money, they only need the name, tel # and $ $ to claim it. So, I contacted Money Gram I made a complaint and the only info they could provide me was with the city and state where it was claimed and that I had to file a claim at my local police station and that they will provide the police with all the information requested. I need help in stopping this sort of thing happening to someone else and have all Money Gram stores change their policies to have everyone picking up money to provide a reference # in addition to a valid ID like a license or passport. Thanks in advance for info or help provided.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have previously written one of the collections departments and furnished a letter advising XXXX XXXX I am the victim of fraud on or around the date of XX/XX/XXXX. The dates of the even are not 100 percent seeing I was not there and had no knowledge of it for almost a year.The dealership did give me a copy of the loan application. On that documentation it is obvious that the same person signed all signature lines. The name is misspelled the same way on every line and is the same handwriting for all the signature lines.It is obvious that I did not sign this loan. I have sent a letter to XXXX XXXX with copy of my signature and a loan I obtained from the same dealership 3 months prior. Which is how they could have had access to some of my information or my ex husband furnished it seeing we were in the process of separating when this occurred. I have advised XXXX XXXX of this also. The fax transmission date to the finance company is XX/XX/XXXX. It was in XX/XX/XXXX that i pulled my credit and found a loan with XXXX XXXX XXXX. I called the company advised that I had no knowledge of this loan and was fraud. I advised that I would like documentation and information that they have or original loan package. Even with this being identity theft I am still privileged to that information. I have had no assistance from this company in obtaining any loan documents or any information they have used to make a decision to not remove the file from my credit or fund the loan. Since I have no documentation on this loan it is making it harder to fight and obtain counsel to assist with damages if it is not removed off of my credit after this final attempt.

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 09-02-2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (AZ).
Issue: Deposits and withdrawals

Complaint: This company took {$300.00} out of my checking account without my permission starting on XXXX XXXX, 2016 XXXX web id 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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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 did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. XXXX XXXX claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported. 

Equifax : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, XXXX XXXX did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loans are repeatedly sold and resold without my knowledge! I 've been paying ( actually overpaying ) faithfully for well over 2 years now, only to learn that I am in " default '' with XXXX and ECMC because the latter sold to the former ( without my knowledge ) and payments continue to go to the latter. THIS HAS GREATLY AFFECTED MY CREDIT RATING NEGATIVELY and has caused great financial and professional injury. Moreover, ECMC, the lender I came to terms with years ago and continue to send a check from my bank weekly, FALSELY REPORTS A HISTORY OF NON PAYMENT LEADING TO CHARGE OFF STATUS, as does my current loan servicer XXXX. I 've never had any way of knowing that XXXX now services the loan ( s ) until a check of my credit score, EVEN AS I WAS IN DIRECT AND REGULAR CONTACT WITH ECMC, who I had been paying faithfully. Finally, ECMC lied to me when telling me that if I paid faithfully ( no payments missed and on time ) for " 6 months '', all derogatory entries regarding the loans would be removed and loans would appear as " good standing ''. THEY DEFRAUDED ME IN THIS RESPECT AS WELL. They never did what they promised, even as I have NEVER MISSED A PAYMENT and have paid them WEEKLY ( a check every week ), when I was only required to pay them monthly - cashiers checks from XXXX XXXX - ( did this to ensure I would never miss a payment ) .This is unfair, unjust and should be investigated as illegal.

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 (Conventional home mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Trouble during payment process

Complaint: I closed on my home in XX/XX/XXXX. At the time of closing my mortgage payment was {$4300.00}. Of that {$4300.00} the hazard insurance on the house was {$110.00} and the taxes on it was {$500.00}. The mortgage was pay on time starting XX/XX/XXXX till XX/XX/XXXX when the lender notified me that they did a escrow analysis and my mortgage was projected to be {$6100.00}. My mortgage payments were then adjusted to {$5400.00} for an extended period of time. I paid that amount until XX/XX/XXXX when I has personal issues. The mortgage was eventually modified after several tries and a lawsuit against the lender. Fast forward to today and I have had several structural issues with the house which made me revisit the documents related to the sale of my house. With regards to the lender I filed a complaint with CFPB regarding my loan and as a result they referenced the escrow analysis as if things were normal but then sent me an escrow payment ( which I had never received before for {$900.00} ). This piqued my curiosity so I visited the county treasurer to get the payment history on my taxes and what I found was disturbing to say the least. In XX/XX/XXXX the property taxes paid on my house by the lender {$220.00} which was very low for property taxes. Despite that payment the lender had {$3300.00} escrowed for taxes that it did not pay to the county. The following year with my payment being raised to {$5400.00}, the lender received {$18000.00} in money to be escrowed for taxes. That year along with the previously collected {$3300.00}, the lender was in possession of {$22000.00} in money escrowed for taxes. That year the lender paid {$8100.00} to the county treasurer leaving {$14000.00} in escrow. The following year with my mortgage being raised due to an " escrow analysis '' another {$9400.00} was collected towards escrow for taxes. For tax year XX/XX/XXXX the lender paid a tax bill of {$7900.00} leaving a escrow of {$1400.00}. Again, I reference the fact that up until the most recent escrow payment of {$900.00} I had never received an escrow payment before. The lender collected enough money in XX/XX/XXXX to settle any tax bills and an escrow analysis was over projected. The taxes collected from the original first payment letter would have had the taxes in XX/XX/XXXX short by {$160.00} a month and only {$150.00} in XX/XX/XXXX. Yet my mortgage was raised by {$1000.00} which more than covered the monthly projected shortage.
I have enclosed copies of the tax bills with payments, the original first payment letter I received at closing, and a copy of the most recent escrow payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am a XXXX with the XXXX XXXX and currently have a home loan with XXXX XXXX XXXX  that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through XXXX, XXXX, and Equifax against the late payments displayed on my account with XXXX XXXX. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from XXXX XXXX, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the XXXX XXXX fake account scandal. <P/>I have been in XXXX XXXX for 15 years and in my a career in XXXX XXXX honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Struggling to pay mortgage

Complaint: My home is located in South Florida in a county that was affected by Hurricane Irma. I was offered forbearance option from my Mortgage Servicing  company SPECIALIZED LOAN SERVICING for 60 days after which I was offered to apply for loan modification. I did but SLS was losing half of my documents every time I sent them, because of that the process was delayed on their end. During this time I was in constant communication with them and they told me multiple times that they will not report late payments as long as we are in the process of a loan modification. 
Unfortunately this morning ( XXXX/XXXX/XXXX ) they did report the late payments. 

I am in the middle of applying for a mortgage and my credit score went down by XXXX points. At this point, I can not close my loan anymore. 

I tried talking to them multiple times, unfortunately, they do not know anything and can not do anything for me. 

Please help me as this issue is v ery time sensitive. 
Their address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX, ( 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 04/24/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After getting my annual credit reports I noticed a collection account that I knew nothing about so I sent a certified return receipt letter to Phoenix Financial Services asking for validation of an amount that they claim I owe them {$1200.00}. I received no communication from them but noticed that my credit files was marked with the statement : disputed by consumer, meets FCRA requirements. Are they not required to verify and validate a debt they claim I owe? I have no knowledge of this debt and do not feel I should have to pay them and would like for them to validate it or remove it from my credit files immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: I was at a party and my wallet got stolen, due to the fact my wallet is also a phone case, my phone was stolen as well, along with my credit/debit cards.. A few days later i was able to purchase a new phone, after purchasing a new phone I was able to check my email, upon checking my email I had an email from Bank of America alerting me my account was overdrawn, immediately I contacted BofA to explain the situation that the card was not in my possession, they read all of the unauthorized transactions in XXXX XXXX and I told them it was n't me it was fraud. A few days later they denied my claim and stated they didnt see any fraudulent activity, but I received an email while the fraud was occurring about unusually activity, so that lets me know they knew something was n't right, for XXXX I live XXXX miles from XXXX, another thing is I had everything taken from me so I had no money or anyway to get to XXXX. They also stated the reason why my claim was denied was because my mobile banking was accessed, and that indicates awareness, but like i mentioned before my phone was stolen, my phone did not have a password. I explained that to them once again, then they stated that was not in the notes, and I can have them " re-open '' the case, of course I agreed, and they also told me to file a police report. immediately i filed a police report, and received a confirmation email from the police department, 2 days later I received an email stating my claim is denied once again, before I even had a chance to send them the report, the police depart approves the report in a 3-5 period, plus my report was done on a Thursday, thats XXXX business day. Bank of America 's reason, once again is the mobile banking being accessed. I told them again my phone was stolen, and that they did n't give me a chance to send in the report, their response was they already reached a decision. Im a college student working XXXX jobs, taking care of my XXXX siblings and I had over {$3000.00} stolen from me, BofA does not care about me at all, they do not live up to the XXXX liability terms they talk about, I 'm behind in my bills, I have to eat less, put in extra hours at work, Ive lost over XXXX pounds in the past XXXX weeks dealing with this, PLEASE HELP ME!!! I do n't know what else to do. I need my money back!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Applying for a mortgage and checking rates. Credit score has dropped 100 points in one week. Do not know reason, XXXX hard inquiries multiple less than the 14 days between rate inquiries. XX/XX/XXXX Transunion inquiry, did not ask for them to do anything. Please remove inquiry XX/XX/XXXX Inquiry reported from XXXX XXXX XXXX and inquiry was 3 months earlier. How can they report late ( upset because we did not use them ). XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX hard inquiries too close to count as separate inquiry. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX pulled credit for same mortgage company. Please remove. By my calculations I should only have XXXX hard inquiries for mortgage inquiry rates. I do not understand how this is detrimental to my credit just because I want to check mortgage rates.XXXX XXXX XXXX hard inquiry, I called them to check USDA rates and they pulled my credit without knowledge. Please remove. When called transunion the representative said I could not have them removed and when asked to speak to supervisor she said she did not have one and no one would return my call. Rotten customer service.

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