milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2015 about Money transfers (International money transfer) with RIA FINANCIAL (OH).
Issue: Fraud or scam

Complaint: I contacted RIA money transfer to complete a funds transfer to my parents in XXXX XXXX on XXXX/XXXX/15. The funds were taken from my account and not deposited to my mother 's XXXX account. I contacted the company on XXXX ( the estimated date of deposit ), no one was able to explain where my funds were or what happened. I kept being transferred to an escalation group, instead kept being transferred to the same automatic system that I called into. I received an email last night requesting more information regarding the matter ( in response to an email I sent prior to my calls ). I responded to same and am yet to receive a response. There was not a lot of money involved. My parents are aging and going through financial struggles due to not being able to find proper employment to take care of my grand mother and sister that live with them. I sent {$150.00} to help during this holiday time, to no avail. Now, neither of us are having a holiday. I work hard for my money. I do n't waste and I pay my bills and taxes. This should not happen to honest hard working people. Please help me recover this money. 
**add on-Please note that this was an international transfer ( from XXXX to XXXX XXXX XXXX. there are sections below that require recipient information ; she is in a different country and has not received any of the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (WV).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I obtained an auto loan for a XXXX XXXX XXXX from Wells Fargo Dealer Services. I put {$5000.00} down. It was a five year loan, so originated in XX/XX/XXXX or so. In XX/XX/XXXX,  vehicle was towed, and I could not locate it. The towing company insisted on the title, which remained with Wells Fargo. They were unhelpful. I later learned that dishonest tow companies do this sort of thing, and apply for a salvage title. I continued to pay Wells Fargo through most of XX/XX/XXXX, but finally, defaulted, because a ) they would not assist me in proving title, and b ) there was only {$5000.00} or so left on the loan, and I thought they could retrieve their collateral. I occasionally question Items on all three credit reports. In the past, Wells Fargo sends in a proof of claim, and it stays as is. I did it again in XX/XX/XXXX.  WellsFargo Dealer Services reacted with XXXX, XXXX, and XXXX by moving the default date up to XX/XX/XXXX, changed the amount due to {$7000.00}, and do not mention my original amount due and paid. So, it looks as if I just defaulted on an entire loan. This violates the Fair Credit Reporting Act, and immediately reduced my FICO score by 40 points. I have complained to them, but do not expect any follow up action. Given their fraudulent credit cards exposed recently, I think that the culture there is rotten throughout. There is no way I can really be made whole. I am going to buy a share or two and attempt a shareholder 's derivative suit, as wells as sue in Federal Court for these violations, but know that I can not stand against this " too big to fail '' behemoth. Please assist. I am not alone here, just feel like it. I do not want money, but rather someone to stop Wells Fargo from consumer lending, and the Board of Directors answer for this rotten culture. The should be removed for fiduciary violations and corrupt practices.

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 11/26/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked to verify debt and I did not get a response and verification

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Credit card) with New Century Financial Services, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XX/XX/XXXX the debt collection agency Century Financial Services through their law firm XXXX XXXX XXXX obtained a judgment against me for credit card debt I defaulted on. Since then and at least on four occasion they offered me settlements that I never answered to. On XXXX XXXX, XXXX then sent me an information subpoena that I answered to because they were saying that I might be arrested if I did not reply. Later on after they got my answer they called me on my cell telling me that they did not have XXXX but XXXX judgments for a total of more than XXXX. To avoid to get myself in trouble I told them that I did not know what they were talking about and ask them to send me all information by mail. Rather than sending me the requested information on XXXX/XXXX/XXXX they notified me that they were applying for a wage execution order at the XXXX, XXXX County Court. 
The reason of my complaint is that I know Century Financial Services buys defaulted accounts from credit card companies in bulk for pennies to the dollar, then inflates the debts with various service charges before attempting collection from people like me. 
I do not understand why Century Financial and XXXX XXXX XXXX engage in such activities while your organization has ordered them to stop on XX/XX/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 12-09-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We sold our house and paid off a second loan to Wells Fargo and although our loan was current and previous statements from them stated a zero balance due after each payment, they took {$2500.00}. in excess of the payoff amount. I feel they saw all the money coming in from the sale and decided to grab some extra. They could not provide a detailed explaination for this other than " interest is paid forward '' I want them to refund my money and want to stop them from this behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I initiated my fraud claim regarding account XXXX since 2011 with complete criminal fraud police report and supporting documents, those proofs that the affidavit took place supporting my position. However, Chase was never to respond in writing, was damaged my financial reputation. I had to requested re-initiated my fraud claim and requested Chase response with writing about the investigation status. Again, Chase did n't provide any written notice when they received my re-initiated claim requests in written over 30 days. I tried to contact with the investigator and cardmember service, they info me that their system did n't show updating status over phone. I have to spend over a hour to repeat my claim with different representative, however they did n't provide any status update. The investigator did n't reply my call since she received my additional supporting documents those proofs that I were identity victim.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: ON XXXX/XXXX/2016 I RECEVIED A CALL FROM THE LADY WHOM I WAS WORKING WITH TO OBTAIN A LOAN FOR A HOUSE. SHE STATED THAT THERE WAS A JUDGMENT FROM XXXX XXXX BANK IN THE AMOUNT OF {$6900.00}. THIS WAS SHOWING ON MY EXPERIAN CREDIT REPORT ONLY. I DID FURTHER INVESTIAGTION AND THERE WAS A JUGMENT FROM XXXX XXXX BANK FILLED XXXX. UNDER XXXX XXXX AND XXXX XXXX. 
ON XXXX16-I FILLED A POLICE REPORT # XXXX AND A DISPUTE WITH EXPERIAN GAVE THEM XXXX COPIES OF ALL THE DOCUMENTION REQUESTED FOR THIS MATTER. I HAVE CALLED EXPERIAN MULTIPLE TIMES TO SEE IF THE DISPUTE HAS GOTTEN ANYWHERE AND ALL I HAVE GOTTEN IS THE RUN AROUND. I WAS GIVEN A NUMBER FOR A SUPERVISOR LAST CALL I MADE WAS XXXX/XXXX/16 TO A XXXX ( SUPERVISOR ) @ XXXX NO ANSWER BUT I DID LEAVE XXXX MESSAGES. I HAVE MAILED IN PAPERWORK TWICE THRU PRIORITY MAIL TO HELP! THIS ISSUE HAS IMPACTED MY ABILITY TO OBTAIN A HOME LOAN FOR MY FAMILY!

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 09-04-2015 about Debt collection (Medical) with Transfinancial Companies, Inc (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Need this account removed from my credit reporting for all bureausas it is paid out at {$100.00} confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (Other mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/XXXX, I obtained a loan to purchase a XXXX from fifth third bank in the amount of {$200000.00}. The loan was secured by my residence and they obtained XXXX mortgage on the residence.. My loan is a labeled as a Commercial Term Note with Fixed interest rate of 8.440 %. My payment is {$1900.00}. The effective date of loan is XXXX. The maturity date of the loan is XXXX/XXXX/XXXX. My payment schedule is suppose to be Principal & interest due on the XXXX of each month beginning XXXX/XXXX/XXXX. There is also a 1 % prepayment premium to any prepayment check. 
I believed my loan would be paid off on XXXX/XXXX/XXXX. A recent statement shows I still owe $ XXXX. I called Fifth Third Bank and explained there was an error. They informed me I have a balloon payment due. And XXXX months later, they are now calling me and telling me that they are beginning foreclosure proceedings against my residence as they claim I am in default for putting my mother on my house with me and furthermore they claim that since I filed bankruptcy back in XXXX and did n't file to renew the loan ... I am in default and being foreclosed. I have never missed a payment or been late. In addition, I have loan documents and it was NOT A BALLOON LOAN. NOWHERE DOES IT SAY IT IS A BALLON LOAN.. If there was a balloon I would suspect they would have included it somewhere on my documents. It is nowhere. But the prepayment penalty is clear. I believe that the bank has been deceptive and misleading. And they failed to disclose a material item like owing over $ XXXX. They are calling and asking what I am doing about it and asking where I am going to get the money. They told me they want the loan paid off now and that if I do n't inform them soon on where I am getting the money to pay them off, they will continue foreclose proceedings against my residence. This is unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been an American Express card member since 1986. I recently received a letter informing me that one of my two accounts ( XXXX XXXX ) was under financial review. Bear in mind, my account has never been paid late, ever. In fact, American Express has increased the credit limit on the account twice, without my requesting the increase, in the past 12 months. 

I was asked to give approval for XXXX to access my tax return. What? There is absolutely no reason/rationale for XXXX to make this request. I refused to give XXXX access to my tax returns and my account was closed.I believe this act will unjustly damage my credit rating since I still carry a balance on a closed account. 

I also have a Platinum card with no credit limit and I have never been asked to produce tax statements. 

I would like this issue investigated for fairness and lawfulness.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 informed XXXX and Transunion that the XXXX XXXX was never late in 2014. I have had a difficult time trying to get Transunion and XXXX to to remove this inaccurate information from my credit file. Please assist me in getting this account removed from my credit file.

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 11/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was reported for greater than 7 years ( XX/XX/2007 ) for a NY State paid tax lien and transition and equifax continue to report it and the law states that paid tax liens should not be reported for greater than 7 years and it has been over 8 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax data break. On XXXX XXXX I filed out the preliminary paperwork. On XXXX XXXX I had access to the next phase - to fill out the XXXX ID preliminary paperwork. After filling out this paperwork, I was told I would get an email to activate the account. 

This email arrived on XXXX XXXX. The link however does not work -- the system is always busy, or it asks for my date of birth and then states that it can not continue. 

I called the number listed on XXXX XXXX - and was told that they could not assist me, they can only help with website issues. 

I have continued to try to access the site without success. I reached XXXX on the phone today -- he tells me they ca n't find any information on me. I am transferred to Customer Service. That agent XXXX XXXX XXXX also ca n't find my information and gets XXXX, a supervisor, on the phone. XXXX tells me that I am not showing up in their system and I need to start the entire process over again! 

I have spent more than a month trying to obtain the XXXX ID service they have offered without success. Now I am being told to start again -- and wait yet another month! 

My biggest concern is how did they lose the information and paperwork I have already submitted!! So not only was my information part of the breach - they have now lost my paperwork to protect myself from their original error. 

This is disgraceful and something needs to be done to protect me from their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am responding to an unlawful contact about an alleged debt by Portfolio Recovery Associates of XXXX, VA in violation of the conditions of their XXXX/XXXX/XXXX U.S. CFPB consent order. I was contacted by computerized autodial telephone call from caller ID " XXXX KY '' with a prerecorded message at XXXX EST on Sunday, XXXX XXXX, XXXX that identified an unspecified debt and directed me to call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX, XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; RE : SPS ACCOUNT : XXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX : ( XXXX ) XXXX RE : ADDITIONAL CLARITY Please allow me to reintroduce myself. My name is XXXX XXXX. I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as being XXXX XXXX XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX. 

I invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to XXXX in XX/XX/XXXX. XXXX. 

RATIONAL : I HAVE PAID OVER {$530000.00} ON THIS HOME TO SERVICERS ON AN ORIGINAL LOAN OF XXXX. 

AFTER 11 YEARS THE DEBT REMAINS AT {$910000.00}, {$730000.00} CURRENT AND {$150000.00} DEFERRED I HAVE PAID OF AND ADDITIONAL {$100000.00} TO SETTLED THE ORGINAL XXXX XXXX XXXX MORTGAGE. 

THIS IS AFTER A XXXX MODIFICATION IN XX/XX/XXXX THAT HAVE NO RELIEF OR PRINCIPAL REDUCTION. ONE COULD ARGRUE THAT IF A MARKET REPRICING OF THE MORTGAGE HAD OCCURRED IN XX/XX/XXXX THE DBET WOULD HAVE BEEN RETIRED TODAY. 

THE MISREPRESENTATION OF THE ORIGINAL MORTGAGE BY XXXX DID NOT DISCLOSE : THE AMORTIZATION FEATURES THE MODIFICATION WAS DONE UNDER DIREST AND DID NOT DISCLOSE THE PRINCIPAL DEFERAL. 
FOR THE PAST 7 YEARS THE MORTAGE PAYMENTS HAVE BEEN ABOVE THE PRE MODIFICATION. 

IT WAS NOT DISCLOSED IN THE ORIGINAL MORTGAGAE OR MODIFICATION THAT THE PROPERTY TAXES WERE HIGHER THAT THE MORTGAGE. THIS MORTGAGE UNDERWRITING IS UNECONOMIC. 


I believe that I was defrauded by XXXX at the time of my mortgage origination. 

An uneconomic and irrational payment structure. 
My mortgage principal and interest is less than my monthly property taxes and insurance. 
After a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. 
My Principal Balance today, XX/XX/XXXX, after 16 years is higher than it was in XX/XX/XXXX. 

Reccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. 

Please assist me in receiving a debt " cram down '' valuation base of my history for the mortgages. For example, my total payment from XX/XX/XXXX to XX/XX/XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt. 

Thank You. 

Sincerely, XXXX XXXX SPS ACCOUNT XXXX XXXX XXXX XXXX AMOUNT PRINCIPAL {$760000.00} DEFERRED {$140000.00} PRINCIPAL {$900000.00} MONTHLY PMT PRINCIPAL {$1100.00} INTEREST RATE {$1200.00} {$2400.00} ESCROW {$2500.00} TAXES INSURANCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: USAA Bank closed my checking account due to attempted access by an unauthorized company. I disputed it and eventually had to have CFPB to resolve it. USAA closed the account but did not open another account for me due to the attempted fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 contacted Equifax today at XXXX to follow up on an investigation regarding XXXX. I spoke with XXXX of Equifax ( id # XXXX ). She asked me to verify my name and when I did, she stated that my name has the suffix " XXXX '' at the end. I told XXXX that my name does not have any suffix. XXXX told me that I needed to send in my identification. I informed XXXX that I had sent my identification and social security card to Equifax over 30 days ago. I also informed XXXX that I have already disputed this information with Equifax around XX/XX/2017. XXXX did acknowledge receipt of my identification. 

Even after Equifax received my identification to verify my name, Equifax has continued to report information about me under a name that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: Equifax has " added '' a name I have not used in 20 years-XXXX-says it 's a new name replacing " XXXX XXXX, which I always use or if needed my legal name XXXX XXXX as on my XXXX card, no middle initial used. 
2nd : There are many car dealers whom I do not know or have given them to check my creDit. I am furious with this. Only XXXX dealers authorized recently : XXXX and XXXX. NO OTHERS!!! 
3RD : I actually have not checked of late, but a Student Loan was listed and should not be, satisfied due to XXXX from XXXX. 
4th : Car loan with XXXX. CAR WAS PAID FOR WHEN SOLD AT AUCTION. Price I owed is way off, it should " only '' be about XXXX and that was total profit. XXXX received XXXX for a XXXX dollar car in XXXX years time. Plus the loan was in XX/XX/XXXX. Should this still be on my credit report? 
4th : Lastly, there are tons of unpaid medical bills. This should not show on my report due to privacy laws. Plus, many bills are just repeats. Some should have been paid by XXXX. All bills from XXXX XXXX, XX/XX/XXXX, were paid or cleared by the hospital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: The servicer response to my previous complaint was inaccurate. The issues I am facing have not been addressed and although a new HAMP XXXX is on file with the servicer - Bank of America, the foreclosure sale scheduled for Tuesday, XXXX XXXX 2015 has not yet been cancelled even tough all the required documents have been verified as received and uploaded for review. The red tape and servicing mismanagement has not changed. Before the XXXX XXXX was even acknowledged or decided, another foreclosure sale was scheduled. Also, the XXXX dispute letters I submitted via certified mail have never been acknowledged even though I know from the green certified postal return receipt card that they were received and signed for. I am not getting a fair review of my mortgage modification requests even though HUD counselors have advised me I am eligible for XXXX or more of the programs available for homeowner relief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation