milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (ID).
Issue: Loan modification,collection,foreclosure

Complaint: My ex-husband and I had a mortgage through Wells Fargo Bank for our personal residence when we were still married. We finalized our divorce in XXXX and the divorce decree states that my ex-husband was awarded our home, " ... including all debt attached thereto ''. I signed a Quitclaim Deed on XXXX/XXXX/XXXX releasing my interest in the home to him. I understood from him at that time that he was refinancing the mortgage. However, I have recently discovered that he did not refinance the mortgage. In addition, he failed to make mortgage payments for an extended period of time and as of late XXXX had become over {$42000.00} delinquent in payments. Wells Fargo had begun foreclosure proceedings. In XXXX, XXXX, Wells Fargo allowed him to make a " loan modification ''. That " modification '' actually rolled all delinquent funds into the loan, changed it from a 30 year fixed rate loan to an ARM, and extended the terms of the loan by 10 years. All this was done without my knowledge or signature, yet Wells Fargo kept my name on the loan as a co-signer. I filed a complaint with Wells Fargo and was unable to resolve the issue. My credit has been significantly damaged by the delinquency of my ex-husband. This all happened after our divorce even though the divorce decree released me of all financial responsibility for the home mortgage. In answer to my complaint with Wells Fargo, they have provided me a written response saying that they will not remove my name from the " modified '' loan, and claim that the only way for this to occur is for my ex-husband to refinance the loan. Even if he were willing to do this, that would not clear my credit report of the {$42000.00} of delinquent mortgage payments that were the sole responsibility of my ex-husband. I am confident that Wells Fargo did not act appropriately in allowing my name to remain on the loan after being made aware that we were divorced, and especially in allowing a very significant " modification '' of the loan without my knowledge or consent. I can provide any documents needed.

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 09-10-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (IL).
Issue: Problems when you are unable to pay

Complaint: I co-sign w/ my husband for a car loan in toyota motor credit on XX/XX/XXXX. The car was sold to XXXX on XXXX XXXX, and account was closed and PAID as agreed. Toyota report my car loan INACCURATELY coz they put in status account included in Bankruptcy. This account is a Reaffirm debt that was PAID as agreed. I wrote Toyota a letter to request that they delete the inaccurate reporting but they responded they will continue to report it included in bankruptcy even it was PAID OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed this debt with Diversified Consultants with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Diversified Consultants received the certified letter on XX/XX/XXXX and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with FIRST GUARANTY MORTGAGE CORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Refinanced my home loan with goodmortgage.com ( owned by XXXX ) and closed on XX/XX/2016. XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX saying they are my new loan servicing company and to start paying them my first payment by XX/XX/2016. On XX/XX/XXXX I received a letter from XXXX XXXX saying they are the new mortgage servicer for my loan and I owe them my first payment on XX/XX/XXXX. 

As of XX/XX/XXXX both my online accounts for XXXX XXXX and XXXX show I owe a payment on XX/XX/XXXX Since XX/XX/XXXX I have been communicating with goodmortgage.com and XXXX XXXX but no one can give me any kind of information or update as to when one of these accounts will actually close. Goodmortgage.com says I should send my first payment to XXXX and do n't know why XXXX still shows I have a balance and payment due. I tried to get each company to escalate this issue internally and resolve this but they wont do anything. Please help get this resolved quickly.

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Hard inquiry. Never was there- fraud

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 12/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent in a police report, Identity Theft Report and proof of my identity, name, address, and Social Security number. Explained which information on my report came from identity theft. And instead of blocking the items, they put them in dispute. When I called in a lady in their fraud department said it is up to the creditors to remove the data, not Transunion which is not true at all!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -XXXX  , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with XXXX was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.

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 02/17/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: submitted a claim for an item I could not return, why is this taking so long to approve?

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On XX/XX/XXXX, my business account was fraudulently hacked into and funds were set to disperse from the account via ACH payments. Within 15 minutes of being notified by a Chase 'alert ', I contacted Chase and was informed that it was already too late to stop it. Apparently, someone hacked the account, changed account numbers and routing numbers and started sending out payments via direct deposits until the account was drained. I was told a document was going to be emailed to me within a couple of hours to authenticate the fraudulent activity, but never received it. I went to the local Chase branch the very next morning to sign the document and begin the process of reparations to my business account.I was told by no less than four ( 4 ) different Chase representatives that the funds that were removed fraudulently from my account would be returned within 24-48 hours. Many frustrated conversations and escalations ensued to different Chase managers and after nine ( 9 ) days of leaving my business account with a XXXX balance, they finally admitted that they had no idea when any funds would be returned - not even a temporary credit, while everything was still being investigated. My XXXX was established in XX/XX/XXXX and has 15 employees, with operational funding requirements on a daily basis. I honestly felt like I was living in a 3rd world country with no one to turn to for help. On day ten ( 10 ), a temporary credit was issued to my account and I was advised that if they determined the funds were sent intentionally, the credit would be reversed. Incidentally, I have had this same account open with Chase for over ten ( 10 ) years and I was treated like I was the criminal, while they did little or nothing to offset the lack of funds in my business account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: Dear sir, I am victim of CC fraud while I make my monthly bill from my CC for cellphone bills back from XX/XX/XXXX until XXXX. I noticed it lately in and around XX/XX/XXXX, but contacted the cellphone company store representative and describe why this charging is still happening while I was your customer and even after I closed their service and get cellphone service from other sister company. The representative retain copy of my CC statement and told to be contacted. Nothing back and replied. Then I contacted my CC provider and reported complaint and recorded as a dispute to follow up. Then sent me a letter to provide them with supporting documents I had, but I were not able to do so due to where to look for this docs., my first experience and luck of knowledge about it. Meanwhile the CC company sent me a new CC thinking that would help to stop the transaction and that did not stop charging me monthly {$100.00} without my authorization and knowledge. Yes here I can not deny that I had weakness to check my account transaction periodically and report as early as two three months after, but I completely relied on my service provider and CC to handle with integrity and security, but now I could not find and get any help stop my lose of money and affects my clean financial transactions and would affect my CC points if I am forced to close my CC account completely to stop the rip offs. 
I just ask your Bureau assistance to get the bottom it and get my money back. And also to be an example of such kind of victim of fraud to others. I seek all necessary technical assistance, followups and help what to do, where to begin with, how I could provide with you confidentially all necessary documents and information 's. 
Sincerely your help seeker ; Thank you, May XXXX Bless America!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (I do not know) with Pollack & Rosen, P.A. (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: They call all hours and every family member and people known to me and disclose my personal info. They are rude and abusive on the phone and make threats

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX & I have been trying to resolve confirmation XXXX since XX/XX/XXXX. XXXX XXXX XXXX electronically submitted notification to remove the 9 collection accounts from my report. XX/XX/XXXX I called Equifax and was told this had not been done, Also that when XXXX XXXX XXXX submits notification for removal these accounts will be removed real time ( IMMEDIATELY ). On XX/XX/XXXX XXXX XXXX XXXX called the Equifax Business Customer Service line and verified that Equifax has received the notification to remove the 9 collection accounts. Equifax advised XXXX XXXX XXXX that there was a 10th collection included for XXXX that was keeping the dispute from updating because XXXX had not responded. XX/XX/XXXX I called Equifax and said I added XXXX  to the dispute incorrectly and needed XXXX removed from the dispute. I was told this would be done in 72 hours, dispute XXXX would be completed and the XXXX XXXX XXXX Accounts would not be on my credit report any more. 72 hours later XX/XX/XXXX, I called and was told this had not been done. The new agent said he removed the dispute for XXXX XXXX and that would take 48 hours to update, once it updated dispute XXXX would process as complete. XXXX was completed, XXXX has still not completed. XX/XX/XXXX I spoke with Supervisor XXXX, told her the story was advised that new dispute for the collections was placed on XX/XX/XXXX # XXXX and that was holding up dispute XXXX from completing. She cancelled dispute XXXX and said within 24 hours ( which is now ) dispute XXXX will be cancelled and dispute XXXX will be updated. It has not, I need this resolved ASAP. This is keeping me from applying from a home loan but all the information Equifax needs to remove the accounts was submitted by XXXX XXXX XXXX on XX/XX/XXXX but not received " real time '' until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have asked for my promissory multiple times and received them after I paid off my loans. Once I started to review them, they incorrectly have been charging me on one of my loans regarding principle balance. I have confirmed with the University and the gave me check numbers to help dispute this with Navient this loan. I have called their customer service department several times only to be told they cant help me since that is what they show for on their records. They finally offered several calls to transfer me to their fraud department. I have been transferred over twice only to be on hold/ no one ever picks up or have been told that they are currently closed and I must call back tomorrow. They have reported incorrectly to my credit report along with receiving overpayments since 2007. Navient is making this impossible to recover cost from them

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I closed on our home/VA Loan XX/XX/XXXX and paid our required funding fee of {$3400.00}. His Veteran XXXX claim was still pending at that time but was approved shortly after our closing date, at XXXX. This level of XXXX constitutes waiver of the funding fee and because his XXXX claim was opened and in process prior to our loan closing, we are entitled to a refund of the funding fee. 
We began our process to obtain the refund XX/XX/XXXX. We have contacted our local VA Regional Office, our original lender, XXXX, and Nationstar Mortgage, the final servicer to which the loan was sold. Research case XXXX was opened with Nationstar. The XXXX Regional VA office has repeatedly told us the lender must submit for the refund via a secure gov't website. Nationstar has repeatedly told us to reach out to the VA to obtain the refund. 
After countless phone calls and hours spent on hold with the VA and our lender, I was told to send Nationstar our Settlement Statement for the home loan showing the {$3400.00} funding fee payment as well as the VA Benefits Summary/Certificate of Eligibility. I again faxed this under the cover of XXXX and also emailed their research dept. 
I received response on XX/XX/XXXX from their research dept, that we were to contact the VA Office-the same incorrect response they have given multiple times. I responded to this email with detailed instructions and the link to the FAQs regarding the process that I was able to find online ( XXXX ) clearly asking them to reference Sections XXXX and XXXX for the request process to be followed by lenders and Section I which discusses how a lender can register their lender ID in the system, get their PIN, etc. if that company is not already registered. This is the process they need to use to request our funding fee refund be paid to them by the VA at which point they can apply it to our principal. 
I then received another response from the Research Dept on XX/XX/XXXX in which they asked me to reference their prior response on XX/XX/XXXX-that we needed to contact the VA for the refund. As the link above clearly shows, the veteran does not request the refund. It must be done by the lender because it was paid as part of our loan closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a police report for identify theft and a credit card account opened in XX/XX/2012 by capital one I never opened this account and informed capital one they could not provide a signed application where I authorized this account I sent them the police report and they still are refusing to remove this account from my credit reports I need your help to make them remove this fraudently account credit card

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Payday loan debt) with Mobiloans, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by XXXX XXXX XXXX, XXXX attempting to collect a payday loan debt on behalf of Mobiloans. I was told the amount I owed was {$8000.00} during the call the collector after only me saying yes to my name and date of birth which he gave out mentioned my employer, names of family members and complete social security number. 

I do not believe this debt is mine. I do not believe the loan was from a legally licensed lender in the State of  Oklahoma and do not understand how such a collector has and is willing to give out my personal information. I have already disputed this information with XXXX XXXX XXXX, XXXX previously. 

I have requested the lender cease and desist all phone contact with myself, any assumed references and my employer. I have requested validation of the debt, calculation of the amounted owed which was stated as {$8000.00} and the license of the collector original lender validation of the collectors ownership of this presumed debt. I was also threatened with a lawsuit and when inquiring about the jurisdiction was not provided the information.

Company response to consumer: Untimely response
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 have sent  XXXX  written request to Transunion requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under  Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did not verify.

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