milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (OK).
Issue: Loan modification,collection,foreclosure

Complaint: My house is approved to close on a short Sale with Wells Fargo with a deadline to close by XX/XX/2016. 
Unfortunately the buyers title insurance company is requiring the signer of a previously filed assignment of mortgage between Mers and Wells Fargo be authorized in accordance with Oklahoma state law ( see Oklahoma Assignment and Satisfaction of Mortgage Law ). 
This assignment was signed by a secretary using an ink stamp and wells Fargo is refusing to show proof that this signer was authorized. Wells Fargo has stated the we will have to subpoena them to get a corporate resolution stating that the signer was authorized. 
I am attaching the approval letter, a copy of the assignment of mortgage in question, a copy of the title insurance policy requirement ( see line XXXX ), and a similar corporate resolution from Wells Fargo that would solve this problem ( given to me by the team helping me with a short sale ) We have provided everything Wells Fargo has asked for. 
Please help me to avoid foreclosure! We are so close! 
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 07/13/2017 about Checking or savings account (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (OR).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I called the bank to close my account in  XXXX  of  XXXX  ( I do not have the date on me now, but I can access it via phone records ) while the balance was {$0.00}. I found later that they never closed the account, and assessed fees for inactivity. I assumed it was an honest mistake.  <P/> I called again on the  XXXX  of  XXXX , I asked that the fees be refunded and that the account be closed as it should have several months prior. The fees were refunded, but the account was n't closed as I was told it was. I have email proof of the refund on that date ... BUT.  <P/> On the  XXXX  of  XXXX , I received another notice that the account was assessed fees for no activity in the account. It appears for a second time that I was told over the phone my account was closed, and they ended up not closing it.  <P/> This appears to me to be a deceptive practice in order to try to assess fees for account inactivity, when I have tried now multiple times to close the account when the balance was initially at {$0.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Equifax ca n't give me the report in 2017 XXXX I fax their my san card id many times still can not buy

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I got a letter in the mail today then 5 minutes later called the sender XXXX. XXXX. The letter was signed by XXXX XXXX, XXXX XXXX. I spoke with XXXX XXXX. She said I wrote a bad check to Wells Fargo sometime in 2008 in the amount of {$1000.00} and I now owe XXXX. XXXX {$2700.00} because they were retained by Wells Fargo. She also stated that I performed malicious intent to fraud a banking institution. I use to have a bank account with Wells Fargo, but they never paid a bad check and that account was closed in 2008. I got a similar call about 4 years ago and contacted Wells Fargo, who stated that they have no record of me owing any debt to them. I have never received any correspondence or calls from Wells Fargo regarding me owing them any money, which is what I told XXXX XXXX. I see that this company has in the past used a different number and other complaints with almost the same scenario as mine. I have no record on my credit report showing an outstanding debt with Wells Fargo. The letter and XXXX XXXX stated that further legal action will be taken if I did n't not settle this debt. I told them I would seek legal representation if I needed. Why should I have to pay money for an attorney on something I know I do n't owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was sued and placed in collections with this company but the case was dismissed. Please remove XXXX XXXX charge off and XXXX Collections from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: i am writing to report that Chase has not resolved the many fraudulent monthly ACH withdrawals by  XXXX  that came out of our checking account ( started on  XX/XX/XXXX  -  XX/XX/XXXX  ). We have not authorized any ACH transactions to  XXXX  or any other vendor ( we are, however,  XXXX  customers but have enrolled in auto bill pay via credit card ).
On XX/XX/XXXX , We went to the Chase local bank in   XXXX   XXXX  , FL to file a complaint regarding these charges as shown below, but claimed that via FTC rules, are only required to reimburse only the first three of these transactions : XX/XX/XXXX  - {$60.00}  XX/XX/XXXX - {$49.00}  XX/XX/XXXX  - {$59.00} XX/XX/XXXX  - {$59.00}  XX/XX/XXXX  - {$70.00}  XX/XX/XXXX  - {$70.00}  XX/XX/XXXX  - {$70.00} On  XX/XX/XXXX , we went to   XXXX   XXXX     XXXX   store and gave them all this info to find out who was making these ACH transactions. The  XXXX  store rep sent an email to  XXXX  Security per   XXXX   XXXX   XXXX  , Local Branch Manager as noted below : " Cust came in today to our office saying that  XXXX  is taking monies out of their bank account every month  XX/XX/XXXX  // and last one as of date  XX/XX/XXXX .
The acct number above is their current acct with us and current have their credit card number on for automatic payments .. I checked acct no double payments. The bank gave them a print out of their acct actions and there is no acct number for me to look at or try to find where the issue is.
Cust wants to report this and get any help from us on this to find out where their money is going. ''   XXXX   and Chase both believe they have done all they are required to do.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am trying to refinance with XXXX Bank. XXXX mortgage loans XXXX XXXXare showing up on my credit report as a short sale from a rental home I soldin XXXX XXXX, 2011. The loan numbers are XXXX for {$210000.00} and XXXX for {$39000.00}. 
I need proof from XXXX by way of HUD that this transaction of sell was complete. Thecompany claims that it does not have a record of this information. But it is showingup on all XXXX reporting credit agencies. I can not continue with my refinancing ifXXXX can not give me the information I need to close on my refinancing of my currenthome. I f they can not prove it, then it needs to be remove from the credit reporting agencies which XXXX Equifax XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Receivable Management Services ( RMS ) is trying to collect a debt that is not valid. We do not owe XXXX XXXX, in fact we are owed a refund payment of around {$80.00}. 

A certified letter was mailed to both XXXX XXXX and Receivable Management Services ( RMS ) on XX/XX/XXXX. Stating this exact information. RMS signed the USPS return receipt on XX/XX/XXXX, verifying receipt of our letter.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX left sensitive credit data of over 110 million consumers open to unauthorized access. While pending civil litigation and possible criminal prosecution will determine the extent of XXXX XXXX negligence in this incident, in the near-term millions of Americans, myself included, remain at a heightened threat of identity theft now that our data has been compromised.

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 05/31/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is seriously messing up on verifying the information on my report. I just learned that XXXX XXXX XXXX and XXXX are still on my account, XXXX items that have been removed on other credit reports because there was fradulent activity, yet Equifax claims to have found the magical proof others can not. I have also been in contact with XXXX companies who told me they are doing their own investigation and those investigations are incomplete or they did not send me any results. Equifax is continually violating my rights and the law under the FCRA by not taking investigations seriously and I doubt they are investigating anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Santander Bank h ad an offer of {$500.00} if I opened a business checking account.     The conditions : - keep account open 90 days - {$2000.00} of cumulative deposits in 90 days  XXXX  transactions in 90 days ( purchases, transfers etc ) I met all the conditions and now they are saying I did n't qualify for the bonus because I did n't meet an average daily balance of {$2000.00}. ( that condition was never listed on the offer )

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Other debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Bank of America set up a XXXX XXXX XXXX machine for me when I went to the bank in early XXXX. I went in the bank for a different purpose but I was rushed into signing up for the service. I was told that I can cancel at anytime if I do n't want it anymore. After several months of the service, I realized I was being charged fees even when the machine was not uses or used occasionally. Recently, my business account was closed with no explanat ion as to why. I then switched my service to a different bank since I cou is not bank with Bank of America anymore. Since then, I started receiving letters threatening me that I owe oover {$1800.00} and most recently that if I do n't pay, it will be reported on my credit. When I reported at the branch, I was told that there was nothing they could t hat all t hay can do iis to connect with with t he company. I did not understand this. I need to return the equipment and walk away from this deceptive arrangement.

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 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Multiple inquiries are on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.

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 07/16/2015 about Debt collection (Medical) with Io, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter in the mail from RMS claiming I owe {$71.00} to XXXX. A principal amount of {$31.00} and " other '' fees totaling {$40.00}. I replied within 30 days with a debt validation request, which was received by RMS on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX labeled " Notice of credit bureau notification '' from RMS stating I had 10 days to fulfill the amount or my information would be reported to credit bureau. At this point, my debt validation letter had not been responded to. I called RMS on XX/XX/XXXX and spoke with XXXX XXXX ( XXXX ) who advised me the account was in dispute and that the documentation I requested was being obtained and my validation letter was received. On XX/XX/XXXX, I received a credit notification ( XXXX ) of a new collection account in the amount of {$71.00} from RMS. I placed a call to RMS at XXXX on XX/XX/XXXX seeking information as to why my debt validation request was not responded to and why the account was reported to the credit bureau. I was told that nobody was available to help me and that I would need to leave a voicemail for " XXXX '' and was promised a call back immediately. At XXXX I placed another call requesting to speak with XXXX. After being connected with XXXX, he confirmed that the account was forwarded to the credit bureau on XX/XX/XXXX, that my debt validation request was received on XX/XX/XXXX, and that a letter was sent to me dated XX/XX/XXXX, acknowledging receipt of my debt validation request. XXXX then asked me if I was willing to pay the principal amount of {$31.00}. In doing so, he would send me a letter saying the debt was satisfied and request that it be removed from my credit report. I declined the offer as I was still unaware of the debt and its validity. I politely asked XXXX for his full name and he declined to help me any further and disconnected the phone call. As of today 's date, I 've never received validation of the debt. I was also asked several times why I do n't remember the bill as it was from just XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04/27/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On multiple occasions over the course of  XXXX  and  XXXX  I have made several phone calls and written letters regarding my debt and payments on my account and at every occasion the representatives have bullied me into payments I 've told them numerous times I can not afford they have even canceled several of my payments and mailed back the check and letters I 've mailed them. I have requested they send my account back to the original creditors because I no longer want to deal with them because of their methods to squeeze more money out of me than what I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2016 about Consumer Loan (Installment loan) with SQUARETWO FINANCIAL CORPORATION (CT).
Issue: Managing the loan or lease

Complaint: XXXX XXXX bought a business debt from a company that I cosigned as a guarantor from XXXX XXXX XXXX. Since this was a business debt with a different organization other than myself, XXXX XXXX, it never appeared on XXXX XXXX personal credit record. 

XXXX XXXX realized that he would have to pay the debt because he had guaranteed the business debt agreed to a payment arrangement with CACH , LLC and has been paying with never a late payment the agreed upon amounts. 

CACH , LLC has twisted the reporting to the credit bureaus by saying that this debt is in collection when in fact it is not. Rather Cach , LLC bought the debt. 

This false reporting that the debt is in collections is wrong and it is not delinquent at all with Cach , LLC

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 09/19/2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have set up to an automatic check by phone with my mortgage lender TD bank. I have attempted to have this drafted on XX/XX/XXXX, they have lost the paperwork once, and after submitting again, still have n't corrected it. when i call, they say they it was n't drafted because its not due until XX/XX/XXXX, and I 'm paying early. i then explain I 'm paying early so it wont be late, they keep giving me the run around. I have spent hours on the phone with TD bank and cant anything accomplished, phone calls are never returned. Before I started this process, I found out they had mis-applied a payment, and were showing my account in delinquent status, because they posted one of my payments to principal instead of as a payment. I 'm not sure if my account was fixed correctly, since it happened 6 months ago before I caught it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Balance transfer

Complaint: Slate XXXX chase XXXX OFERRED 0 % INT FOR 15 MONTHS & NO FEES ON BALANCE TXFR FOR 60 DAYSXXXX ( OR SO ) WAS THE XXXX & WENT THROUGH FINE, next XXXX {$2800.00} never got to my bank, I first requested it on XXXX & .chase said my bank returned it ( never got to my bank, they told me i had put the wrong act # on it. The number I put is by Personal bank act no. the suffix of which is the that they use for credit card aaccounts number. The bank would have known exactly where it went. Then chase accused me of putting my ck act # down & sited that for the reason my bank returned it. As I said, it never got to my bank.Kept checking, no info. they finally rec 'd the check on XXXX did n't want to have any more checks floating arouind till I knew where the XXXX almost {$3000.00} XXXX check went. 
I called many times to check on it and every time I called, they had no answers. In a very recent conversation they told me the $ was back in my act XXXX orXX/XX/XXXX.I had called after those dates & they said they still didd't know. had they told me it was in my account, I could have gone ahead with all my other transfers, ( but as far as I knew the $ was floating around somewhere.when they finally sent the check, they made the check {$180.00}? instead of XXXX originally requested. So when my bank called & told me the check had arrived, I noticed I still had a balance on the card. Since it was past the 60 days, XXXXthough XXXX errors were caused by chase, they charged me a balance trsfr fee. I asked them how do I get 15 months @ 0 %, they said you ca n't, even they caused it all. So now I have XXXX that I get 15 mos on, the majoroty of the & gt ; {$5000.00}, will only get 12mos @ 0 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I emailed a collection company name STELLAR Recovery Inc. back in XXXX XXXX, 2016 to remove a debt showing on my credit report and affecting my credit score. I received a phone call from one of the representative that did n't say her name nor a phone number to get a hold of her and I confirmed to her that the address on the debt does not belong to me and it belongs to someone else. I was told that the debt will be removed from my credit report. I checked again in XXXX XXXX, 2016 and the debt still shows on my report, so I sent a follow up email and I never received a respond up 'til now. 

I also filed a dispute with the XXXX credit bureau and still did n't resolve the issue. I was told to file straight with the collection agency or the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX has conspired with some outfit ( XXXX XXXX XXXX ) in a attempt to having them extort monies claimed owed to them that have already been previously paid to XXXX XXXX XXXX in full, and charged off which is illegal per tax reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Late fee

Complaint: So I had an Amazon credit card with chase. Apparently, once you acquire an Amazon card it becomes your default card when you purchase. I made a purchase on the card unknowingly of course so I was late 40 days, which I paid the remaining balance today. I proceeded to ask Chase as to why did no one call me? Their response was well you were late in XXXX for an amount of 8 dollars, which I paid as soon I learned about. Oh we sent an email, they said. To which I replied, brother I have been a loyal customer barely used the card and when I use it I pay it off. Why would you not call me instead of ruining my credit? If you are able to use predictive analysis to know if I am shopping outside my area so Chase does n't loose money why does n't Chase call me? It must be better to charge me the 50 bucks on late fees and ruin my credit so they can charge a higher interest rate. To add insult to injury I was told by various representatives that Chase is not responsible for calling their customers.

Company response to consumer: Closed with explanation