milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXXACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Sallie Mae, now XXXX, has irreparably damaged my credit and finances. After graduating from college and not being able to find a job for close to a year, they refused to work with me to refinance my loans, despite my various attempts to work out a payment plan with them. Once employed, I resumed my payments, but they were too high as I am only XXXX and an entry level employee. Again I contacted them only to be given the runaround, and when I finally spoke to someone of stature, they told me that the only way to refinance my loans was to default on them, which I did. Once I defaulted, I made another call to Sallie Mae and was able to get my payments down to {$560.00}. Fine. But upon recent inspection on my part, I found out that they 've been taking more than the agreed upon amount totaling to {$640.00}. I 'm now unemployed again, due to health reasons, and am virtually stuck. I have no other money in the bank and am pursuing options in which to sue for at the very least, breach of contract. Additionally, when I first restructured my loans, they proceeded to ding my credit score so that it 's decimated beyond repair because the payments that I was making were " late. '' There 's no way they could have been late because they were scheduled to be taken out of my account on the XXXX of each month as previously agreed upon. If their system is messed up, then why am I being punished for it? They 've also harassed my relatives, none of whose information I gave out when applying my loans, so they must have been mining data to figure out who to call. Every time that I 've tried to call them and straighten this out, I get the runaround and them telling me that my only option is to defer my payments, but to do so I have to pay an additional {$150.00}. What?!? The people they 've hired to run their " business '' are completely unprofessional, incompetent, and inept ; this organization should be run out of business for the plain thievery that they are allowed to inflict on American citizens.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: On XXXX/XXXX/2016, I had applied to open the XXXX XXXX XXXX credit card through American Express. I had applied for this card directly due to the promotional mailer that they had sent me prior. This mailer had promised XXXX XXXX XXXX after {$2000.00} worth of purchases within 3 months of account opening. By XXXX, the total number of purchases had reached {$2000.00}. The terms of service state that the promotional points would be posted within XXXX8 weeks after the spend requirement had been met. It has now been over 14 weeks since then and American Express has still not upheld their terms. 

I had directly contacted American Express at the beginning of XXXX regarding the points via chat. They informed me that I had indeed met the requirements for the points and to now wait. I called again at the end of XXXX, was confirmed that the requirements were met, and then to wait 5 business days. On XXXX, I had again reached out to American Express via phone as the points had still not posted to my account. Again, the minimum requirements for the offer was confirmed to have been met and was told to wait for another 2 weeks. By XXXX ( 14 weeks after the requirements were met ), I had called American Express again and reached XXXX. He confirmed that once again, the requirements had been met ( this is the 4th confirmation directly from American Express ) and to now wait another 2 weeks. 

In two weeks, I would have waited a total of 16 weeks. This is twice the amount of time that American Express ' terms of service and contract regarding this promotion states. 

I have been a loyal customer to American Express. This business practice is unacceptable and will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter stating I owed XXXX $ on XXXX/XXXX/17. I now received a letter again stating I owe XXXX on XXXX/XXXX/17. I called the company and they stated they charged an " Admin '' fee and a " Collection Fee '' to my account. According to the FDCPA, " they ca n't charge more than the amount described in the original contract or what is permitted by law. ". This being said, the original amount is XXXX XXXX unless there are charges that were added to that as well. They are asking for money not associated with the debt, which is inflating the amount due. I am more than happy to pay my debt, but I will only pay the right amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (WA).
Issue: Application, originator, mortgage broker

Complaint: In XX/XX/2012, my father ( now age XXXX ) applied for a reverse mortgage with XXXX ( XXXX ). The contact at XXXX, only known by his first name of XXXX, repeatedly told us ( I am his daughter, age XXXX ) that the house would remain in the family ( heirs ) until the last person died, which would be my sister who is now XXXX. My father recently contacted Reverse Mortgage Solutions ( XXXX ) who told him that the property CAN NOT be passed down to heirs - this information was a surprise to him and upset him greatly. After looking through the original documents, we found out that XXXX sold the mortgage to XXXX immediately after my father signed the documents ( on XX/XX/2012 ), something that was NOT pointed out to him. 

We would like XXXX to abide by the original agreement made by XXXX that the mortgage be passed down to first me and then my sister. ( I was XXXX when the contact was made in XX/XX/2012. ) Lenders case number : XXXX FHA case number : XXXX Respectfully, XXXX ( XXXX on documents ) XXXX XXXX, WA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX, XXXX has constituted sending me an invoice for payment on an account from Wachovia Bank. It appears that several of these debt collections agencies are attempting to collect on this invoice. This is n't the first time I 've seen this bank just different collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I made a commitment to pay off a closed credit card debt of around {$25000.00} with Wells Fargo bank. I was paying the {$800.00} a month as agreed. On XXXX XXXX, XXXX I had a XXXX XXXX and went into the hospital for three weeks for XXXX. While in the hospital I called Wells Fargo and told them I could not physically get out of the hospital to get to my computer to make the payment. In the meantime I received several payments form clients which were already committed to pay subcontractors. When I returned home on XXXX XXXX and as XXXX as I was I wrote out a check and a letter of Introduction for my grandson XXXX who was my XXXX and asked him to go make the payment. He had a lot of errands and did n't get to the bank in time. On XXXX XXXX, XXXX I went online to Wells Fargo and was stunned to see that they had STOLEN {$24000.00} from my account ( which was committed to paying my subs ) and applied it to my credit card without a warning, a notice or permission. This is outrageous. We put money in the bank for safety so robbers wo n't get it -- little did I know that Wells Fargo were the robbers.

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 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MSW Capital, LLC (TX).
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: XXXX XXXX IS THE ORIGINAL OWNER OF THE REPORTED ACCOUNT. THE ACCOUNT WAS SECURED WITH THE TITLE OF MY XXXX XXXX XXXX XXXX. MY VAN WAS TAKEN AND MY TITLE NEVER RETURNED TO ME. XXXX OBVIOUSLY SOLD THE ACCOUNT AS A COLLECTION ACCOUNT NEVER DISCLOSING THE FULL DETAILS OF THIS ACCOUNT TO 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 10/21/2016 about Student loan (Non-federal student loan) with Experian Information Solutions Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX ( XXXX ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, Equifax, Experian ). I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of XXXX sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE XXXX EDUCATION, SECTION XXXX - Discharge for false certification of student eligibility or unauthorized payment.

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 06-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have requested on 3 different occasions to have account deleted from my credit profile. The credit bureau continues to report item despite inaccurate information. XXXX XXXX was never authorized to obtain credit file or insert items to credit file under any circumstances.

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 11-10-2016 about Debt collection (Credit card) with CITIBANK, N.A. (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: The issue is a former complaint about a credit card fraud control attempt to authorize a charge for my phone bill to XXXX and has become frozen and blocked to prevent fraud. i have received multiple attemps to collect my information without reason, after i felt I have identified myself and have continued paying the debt owed,XXXX now to XXXX USD to CITI simplicity credit card services. i have received XXXX. The card company and agents wo n't identify me and will not close the account so I can just pay the money back and refuse the invitation that got me this situation in the first place, a mailed invitation. I 've now lost or stolen the card from somewhere and the fraud service will not cancel the card until I am identified over the phone and using my social security card, license, utility bill and other forms of identity, like fraud. I have included documents. Letter from predsident a case number : from cc : Consumer Financial Protection Bureau 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 04-01-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: Current Mortgage Lender advertised a fixed loan rate on web site. We submitted a request for refinance analysis. Mortgage consultant contacted us, quoted even lower interest rate than advertised on web site. Confirmed our good credit rating ( we stated rating of XXXX, actual rating of XXXX ). Consultant requested we submit on-line application. We completed, and received finalization call-back from consultant. Rate increased from 3.75 % on 15-year fixed ( verbal quote ) to 4.25 %. Current rate as advertised on web-site prior to call was 3.875 % ( when we requested contact for analysis ). Rate today ( XXXX/XXXX/2015 ) on website for 15-year fixed refinance loan is 3.25 %. Concern over deceptive advertising ( bait & switch ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was dissolved due to company shutting down and failing to provide services. Further, the debt was sold without even providing any services.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Other financial service (Debt settlement) with Financial Rescue, LLC (CA).
Issue: Excessive fees

Complaint: I was enrolled in a program XXXX XXXX XXXX through a company I saw in the XXXX XXXX. The company I saw was Financial Rescue LLC owned by XXXX XXXX. He promised us that our problems will go away if we enroll in his program, the said company XXXX XXXX XXXX XXXX. We did not know he is also the owner of this company which had their negotiators in the XXXX. Without hesitation we entered into this program but after half a year of paying the monthly program found that most of the money we were paying is going into his fees. It seemed that we are headed nowhere so I cancelled the program and asked for our money back. As I ready into different articles about his program, we found that it was illegal for him to collect such fees in advance without having provided any settlement service. When I wrote to him about this, I received a letter from an attorney XXXX XXXX who told me that my understanding is wrong and that he was entitled to those fees and did not have to refund them. With this, my husband and I ended up going into bankruptcy so that we can eliminate the debts due to our hardship. It is so unfair that this companies target clients who are in severe hardship and take advantage of them to enrich themselves. Please help us get our money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (MN).
Issue: Problems when you are unable to pay

Complaint: the car was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Bank account or service (Checking account) with COMMERCE BANK (KS).
Issue: Problems caused by my funds being low

Complaint: XXXX charged {$36.00} dollar overdraft fee when my account was never overdrawn. The notice they sent says an item presented for payment on XX/XX/XXXX caused my account to be overdrawn. My statement shows that my balance of {$7.00} and change was added to the paycheck amount that arrived on XX/XX/XXXX. The first thing to come out of that new balance was the overdraft fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification over a year ago. I have completed the package three times and sent all require documents requested by the mortgage company. Each time about three months into the process they closed the modification for missing documents. 
They do not response to email, fax, are phone messageXXXX mail. I call they put me on hold for hours then they said call back in 5 days. Over a year it is impossible to get a application in their system. They are raising my payment every six months which raise my payments by XXXX. My loan is current so do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed inaccurate account on my credit report from TransUnion and I still have n't had got a response on dispute investigation back on my results or my return receipt signature it 's has been 30days and I 'm still waiting.

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 04/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed inaccurate information with Equifax for over one year now, and they have not done a proper investigation into my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Mortgage) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: : foreclosure mills co conspirator XXXX XXXX, XXXX a debt collector violating FDCPA rule are submitting notarized documents robo signed and self notary by XXXX XXXX XXXX she signs affidavit of ownership,, then notary he substitute trustee form see attached. She signs AS XXXX XXXX, AND TURN AROUND and signs the notary after she prints the name XXXX XXXX The substitution of trustee was not file in the court or available to the public when this case was file. 
XXXX XXXX SIGNS The afflictive of ownership XXXX XXXX SIGNS signs affidavit of default XXXX XXXX sign as XXXX XXXX, AND TURNS AROUND AND NOTARY THE SAME DOCUMENTS with this boiler plate forms and template form XXXX XXXX signs and notarized her documents ... request FOR DEPOSITION XXXX XXXX ( you have over XXXX attorney in this case non have sign document to certified the truth to fact of the false documents they are filling in court. 
will prove she was hired as a ten dollar an hour employee hired to sign documents and notary her document, robo signs who lack knowledge of what she was signing. 
The previous debt collector XXXX XXXX used XXXX XXXX, XXXX XXXX to sign affidavit when that was challenged the case was voluntary dismiss by the debt collector capital one, Na and debt collector XXXX XXXX, XXXX. 

Connect the dot back the note and security agreement. self appointment of of trustee, no proof of standing, lack interest assignment in lank record states a very different owner defective assignments case voluntary dismiss after being challenged .Connect the dot back the note and security agreement. 
self appointment of of trustee, no proof of standing, lack interest assignmnet in lack record states a very different owner defective case voluntary dismiss after being challenged ssignment FRAUD pattern in land record by XXXX XXXX XXXX XXXX XXXX lack interest no assignment in land record. assignment in land record states a very different owner Defective assignments voluntary dismiss after being challenged by previous substitute trustee see exhibits attached ASSIGNMENTS FRAUD FILLING FALSE DOCUMENTS REQUEST AFFIRMATION BY THESE ATTORNEY AS ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no evidence of XXXX on note attached no proof of standing, lack interest no ssignment in land record no evidence of XXXX on note attached. no document to show XXXX owing the note and mortgage SEE EXHIBITS XXXX CASE ...

Company response to consumer: Closed with explanation