milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (PA).
Issue: Fraud or scam

Complaint: we are having problems with rushcard in the last two days i think they took all of our money from us even me. There was a system update on all accounts that everyone has they told us yesterday on XXXX XXXX that we would have it up and running as soon as possible by XXXX time and it wasnt my account has a XXXX blanace wish is wrong and there was XXXX dollars left andf now there is not they have not answer us on XXXX or there phone calls i think they took everyone money they have and ran off with it this is a scam and i want my money back plus the days im losing from work with no money to help out my family at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've placed fraud alert on my credit report due to identity thief I 've reached out to, Equifax XXXX and XXXX informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

Equifax : Dispute # XXXX, XXXX, XXXX, XXXX XXXX Dispute # XXXX, XXXX, XXXX, XXXX, XXXX XXXX File #  XXXX - I 've sent 5 disputes and 4 pone calls

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My XXXX is with Chase who recently streamlined that loan, it is current to date. 
I took out a HELOC ( ARM ) with Washington Mutual in XX/XX/XXXX ( {$85000.00}. ) .have had struggles but still found ways to be pay on time ... have always been current until this year. 
Mom Passed away XX/XX/XXXX and separated my marriage XX/XX/XXXX ... finally divorced in XX/XX/XXXX ... 
I was told the only way I could qualify for a modification is if I was in the rears at least 2-3 months ... .so I let it lapse and set aside the money then after I was denied I went into Chase to pay ( 90 days later ) they called the loan in full {$85000.00}. also put it down as a charge off ... messed up my credit to the point I could not qualify for an outside loan ... When they offered a settlement of {$30000.00} ... now they are saying if I do n't pay them $ XXXX.by XX/XX/XXXX. they will foreclose on my home. In which my college student, daughter and I have lived here for 11 years..I am a proud single Dad ... .I feel this was a bad loan from Washington Mutual in the beginning after I got more information on preditory lending and false securities, etc ... Also, during this process I was harrassed daily with phone calls even though I told them I would try to get the money ( {$30000.00} ) ... ..they also refused, to work with me after the deadline..said they would only speak with my Atty. they were soo RUDE ( XXXX XXXX ) of Chase Recovery Dept. ( especially )

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I have has several issues at  two  different locations, even with corporate. So the first location  XXXX  tried to add on several options to my loan without my permission, told me I had to borrow more than I asked for to get approved. I asked for  XXXX  they said I had to pay off all debt on credit report around {$10000.00}. So i asked for  XXXX  they said I had to borrow {$10000.00} to get approved. I said that is too much, they got it down to {$6000.00}. Also told me I had to do automatic payments, pay fees, and interest was not disclosed. They also did not tell me about all payment options to me. I called corporate asked to be transferred to another office. They sent me to  XXXX . This location also had undisclosed fees, and tried to add on optional items to my loan. They also had undisclosed fees, and did not give me correct information.They were to pay off current loan, and refinance me. However, it was not the correct pay off amount. What they paid off was higher than the original loan, even after I made a payment of {$190.00}, and had the loan for less than  one  month. I called the manager, sent emails and even called corporate no one has returned my call. I was speaking to someone name  XXXX  from corporate out of South Carolina, she was suppose to help with the incorrect pay off amount. Stated she would research, and get back to me. It has now been  three  weeks no response after several calls, and messages to her. So she is now avoiding me, and none of them are taking responsibility. Although they were legally, morally, and ethically wrong. Furthermore, my husband and I wanted to get a loan or I would co-sign for him. We received a declination letter stating they could not verify our income, it was a lie. We had all pay stubs. They also said debt to income ratio, it was a lie. They improved me for an additional loan of {$3700.00} my take home is {$2500.00}. My husband, and I only wanted {$1500.00} and our combined take home is {$5000.00}. So they have unethical sales practices, they want you to borrow more than you need. They claim it is to reduce debt when in reality your payments go up with their loan. They pay off lower rate loans, for their higher rate loan. Therefore, no benefit for the customer, and nothing is done in the best interest of the consumer. The dates all range from   XX/2017   - XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This is regarding an old Foreclosure account that went past due as of XXXX XXXX. This date of XXXX is also the last active date. The account is held by XXXX XXXX XXXX in Texas. XXXX XXXX and Equifax are claiming the " last active date '' is XXXX of XXXX. Therefore, the account should no longer be reporting. I have sent ( twice ) to Equifax a Mortgage statement from XXXX XXXX Mortgage XXXX that reflects the account was 3 months past due by XXXX of XXXX. In summary, this account should be gone and Equifax is stating they can not use my supporting documentation. When I tried to call XXXX XXXX XXXX, they claimed they can not take " inbound '' calls in the research department and that is the only department ( based on what customer service stated ) that would handle wrong reporting dates. Please help. I am attaching all documents. 
This issue is only with Equifax. The other Bureaus have removed the account already in XXXX. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed the Midland Funding Account with XXXX and with Midland Funding. XXXX stated that Midland Funding verified that this account belongs to me. This is seemingly impossible since this account do not belong to me. Perhaps this account was placed on my credit file in error or it resulted from identity theft. In any case this is not my account. I need your assistance in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I SUBMITTED A CHURCH CHECK FOR MY HOUSE PAYMENT FOR XXXX 2017 AND THIS SERVICER INTENTIONALLY DESTROYED IT SO THEY COULD HAVE THE OPPORTUNITY TO FORECLOSE ON ME. THIS HAS BEEN PROBLEMATIC FOR THE LAST SEVERAL YEARS. IN ADDITION, THEY ARE CLAIMING THAT I MISSED MY XXXX PAYMENT, WHICH IS A LIE. THEY ARE WORSE THAN THE WORST. EVERY YEAR THE XXXX HELPS ME OUT FOR ONE MONTH OUT OF THE YEAR AND THIS SERVICER WILL NOT ACCEPT IT, WHICH IS ILLEGAL. I HAVE POSTED THIS COMPLAINT AND IT IS VIRAL AND WILL BE RECEIVING RESPONSES FROM VARIOUS. I WILL NOT ALLOW THEM TO INTIMIDATE NOR THREATEN ME IN ANY WAY AND ACTION WILL PREVAIL AGAINST THEM. 

THEY ARE PENNY MAC AND ARE A WHOLE SALE ONLY. THEY ARE NOT AN INSTITUTION AS THEY PRESENT THEMSELVES TO BE. THEY ARE FRAUDULENT AND THE SERVICES THEY OFFER ARE WITH BLOOD ON THEIR HANDS AND THEY ALL SPEAK WITH FORK TONGUE. THEY HAVE LAW SUITS AGAINST THEM AND THAT TOO, IS ON THE WEB. I WOULD NOT RECOMMEND THEM TO A SHARK. 

THE GOVERNMENT NEEDS TO INTERVENE AND CLOSE THE DOORS, AS THEY CONTINUE TO BE PREDATORS.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Yesterday I received in the U.S. mail my annual " FREE '' credit report from " Equifax. '' On " Page XXXX of XXXX '' under the " Request For Your Credit History '' section it unlawfully list a : " XXXX XXXX ; XXXX XXXX XXXX ; XXXX, RI ; XXXX ( with NO telephone listed ) '' with the " Inquiry Dates '' of " XXXX/XXXX/XXXX '' and " XXXX/XXXX/XXXX. '' I have NO idea of this " XXXX XXXX '' and why they even unlawfully accessed my " Equifax '' credit report TWICE without my knowledge or approval since I have NOT applied for credit cards, etc. for the last 36 months!!! I am a victim of " Identity Theft. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 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: Was not notified of investigation status or results

Complaint: I am aware there was a glitch that was TransUnion 's problem, not mines, that caused my inquires to be deleted. TransUnion later added them back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX on XXXX XXXX, 2017 at XXXX-XXXX. These inquiries add a hardship and my rights were violated by TransUnion.

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 08/20/2015 about Debt collection (I do not know) with TD BANK US HOLDING COMPANY (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am constantly receiving calls from TD Bank at work-for my ex husband-XXXX-he has never worked there so there is no reason for it. TD Bank XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: A Wells Fargo credit account was opened in my name without my authorization. The company expressed to me that after an internal investigation it was not going to take any responsibility for the fraudulently opened account because it asserts the account was opened through the mail, and its bankers had nothing to do with opening the account. It further asserts if I did n't open the account then it must have been a third-party identity thief. However, I received the card in the mail, shortly after a Wells Fargo banker had contacted me by phone attempting to sell me the product, which I declined. No fraudulent purchases were ever made on the card. Furthermore, the company has refused to explain how it came to the conclusion the account was opened by mail either by myself or a third-party identity thief, and it has refused to provide any documentation that would serve to bolster or prove its claim, including a copy of the application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I had XXXX high balances on XXXX Bank of America credit cards. I paid the balance in full on both credit cards. The following month I received a bill for each with additional interest. Obama 's credit card act of 2010 prohibits double-cycle billing.

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 12/21/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: I found that Wells Fargo paid my spring taxes 5 months late and in addition, paid a late fee of {$82.00} from my escrow. I have requested several times since XXXX that my mortgage account be credited money due for late fees and a mortgage analysis be completed again. I finally have received the credit ( 3 months later ) but the mortgage analysis needs to be re-calculated, as it did not include XXXX escrow payments that were made in the analysis or the credit. I have tried numerous times to have this resolved ( in person at different bank branches and over the phone with multiple representatives ) and no one at Wells Fargo returns calls or follows through with resolution. After their miscalculations, I want to know the " new '' monthly amount for my mortgage payments in 2016. This is the absolute worst customer service I 've ever experienced and need help to find out an answer. I submitted a formal complaint to the OCC but was informed this type of issue no longer falls under their jurisdiction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with Focus Holding Company (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving phone calls from this company for about a year at least XXXX or XXXX times a week. They just leave a recording. I do not owe anything to anyone so I have no idea why they keep calling me at all hours of the day. I would like them to stop calling me. Could you please contact them? 

Thank you so much,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Consumer Loan (Vehicle loan) with World Omni Financial Corp. (FL).
Issue: Problems when you are unable to pay

Complaint: I requested a payment deferral for XXXX payment. The customer service rep was helpful in doing so. I paid the interest as they required. In XXXX I noticed my bill was past due. I called and spoke to another rep. He informed me I had to submit a letter stating why I needed the deferral. I did as he asked. I also explained to him I was never informed. XXXX statement is received and the account is current. I am in the process of buying a home so my credit was pulled and it shows that my account was 34 days past due for XXXX. I called to get an explanation onto why this happened and was told my deferral was processed for XXXX when the letter was received and it was not credited to XXXX as it was supposed to be. Now my home loan is going to fall through and I already submitted my cancelation of lease and will be out of a home come the end of XXXX. All of these conversations happened over the phone. No emails were sent by the company or any documents in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Credit decision / Underwriting

Complaint: We have been stuck in an interest only mortgage for our personal residence with Wells Fargo for 10 years, which means we have not gained XXXX penny of equity in our home in the 10 years we have been paying our mortgage ( s ). We originally had a second mortgage that was extinguished by the National Mortgage Settlement, or Attorney Generals ( AG ) Settlement in XX/XX/XXXX. 

At the time we were in negotiations to settle our second mortgage with Wells Fargo ( XX/XX/XXXX to XX/XX/XXXX ) our home was worth about 60 % of what we paid for it in XX/XX/XXXX. We were current with our first mortgage, but because we were n't current with our second mortgage payments we were finally offered a full settlement of the second mortgage through the AG Settlement. This got us out from being underwater. However because we now had Lates and a Charge-Off on our credit report ( s ), by law ( according to every underwriter we have tried to qualify with ) we are now not eligible for refinancing, or any other kind of loan, for at least another four years after the second mortgage lien release was recorded with the county recorder 's office. 

It is apparently a similar penalty to a bankruptcy. It should not apply in our case because we qualified for the AG Settlement. Also our income is more than what is required to refinance, or take on other loans of similar principle and we have had no other problems other than this second loan extinguishment negatively effecting our credit report ( s ). What if anything is being done to correct the problem with this law?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receice a call from Porfolio Recovery ( XXXX ) every day from XXXX to5 time a day. I keep telling them that the person they are calling is not me. They say that my tel. no. Will be removed. The call keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (IL).
Issue: Charged fees or interest you didn't expect

Complaint: I was approved for a payday loan with blue chip financial/XXXX XXXX..InXX/XX/XXXX for XXXX dollars.. This company violated section 3-3 ( a ) of the payday loan reform act in the state of Illinois which clearly states for a business to act as a payday lender in the state of Illinois, this business must be licensed with the department of financial and professional regulation which this company is not. XXXX further violated section 1 of the payday loan reform act by offering, making or arranging payday loans to consumers to state of Illinois without obtaining a nd applying for the required license by the Illinois department of professional regulation therefore making this loan illegal in the state of Illinois.This company further violated a cease and desist order which was issued on XX/XX/XXXX which states the spotloan will cease and desist collecting on any payday loans given to consumers on or afterXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I mailed in a payoff payment to the loan company on  XXXX / XXXX /  XXXX   in the amount of {$23000.00}. The check was converted to an ACH transaction and cleared my bank, on  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX  , I received an email from the loan company thanking me for my payment of {$760.00}. When I called customer service, I was told that there was no record of my payoff payment, only the payment of {$760.00}. I was also told to call back later to check to see if my account had been credited the payoff amount. I did this 3 times. The last call I made, on  XXXX / XXXX /  XXXX  , I was told that I needed to fax a copy of the ACH transaction to their Accounts department. Which I did, twice. The ACH transaction on my bank statement has the correct account number, and the full amount that I mailed in. As of today,  XXXX , whenever I call the loan company, I get a recording saying to leave my name and number and they will call me back. When I look at my account on-line, it still does n't show my payoff payment being applied to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I had gotten a postcard in the mail on XX/XX/XXXX about being served and had to go to justice center to see why. So I went there XX/XX/XXXX and got a summons to court for a medical bill. So I called the debt collector number ( Wakefield and Associates , Inc. ) on the civil warrant and asked what this was from because I have never been informed of this debt. They said it was from a medical bill from the end of XXXX into XXXX. So that happened when I was still under my mothers insurance and I thought she had taking care of it but I guess not. So I asked the debt collecter why they haven't contacted me about this debt so I could resolve it and they said they had try to mail me and kept getting it returned to them until this year XX/XX/XXXX they said they mailed me to the correct address and said I got it which I never did. They said they had the wrong address all this time and now two months later I get a summons to court and this is the first I have heard about this debt. This debt has never been on my credit report and this was from XXXX but I have another debt with them from a different medical office that is on my credit report that happen in XXXX. They have mailed me about this debt since XXXX and have had my address and I have notices from them about this other debt. So how can they mail me and put on my credit report about this other debt when the debt I'm getting summons for court is not on my credit report nor was mailed to me before they summons me. They said they had the wrong address the whole time until XX/XX/XXXX but that's incorrect because I have mail from the other debt since XXXX so that's a lie. They have had my address for years and getting mail from them for years but never this debt that I got summons for. Now they are trying to charge me {$170.00} extra for summons fee and court fees on top of the debt when I haven't even been to court yet and it shouldn't have gotten summons if they would have just notified me before of this debt. But for them to say they didn't have my address is a lie because I have mail to prove it

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