milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY ().
Issue: Settlement process and costs

Complaint: stop sending me emails about mortgages? iam a cash buyer, having lost ahome to fraudulent forclosure with over 50/ % equity in the house and stole by wachovia bank /wells fargo bank with over XXXX cfpb case claims against this was deliberate govermant act to decieve XXXX from the penshions and will fight for justice until the end of life, the cfpb have fined these banks for fradulent mortgage activity and stole home to order $ $ $ $ $ $ this was organised by the govermant as wells fargo bank was forced by the govermant to take over wachovia bank then the govermant told the bank what to do Fha insurance the cfpb have not passed any monies that they have collected from fraudulent activity committed by wells fargo bank you think this will go away and you blatently robbed XXXX people of there penshions and i hold you totaly responsable for your action it will come out in the wash? thanks 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 02/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I mailed a dispute to Transunion on XXXX/XXXX/2016. Approximately one or two days later I discovered another Separate Issue regarding a distinctively different account on my credit report. As such I filed a Second Dispute regarding a totally separate issue. 
I received a letter from Transunion stating that they received a dispute from me on XXXX/XXXX/2016 and " ADDITIONAL INFORMATION '' ON XXXX/XXXX/2016 AND THEREFORE THEY WILL BE ADDITNG 15 DAYS TO MY INVESTIGATION now ending on XXXX/XXXX/16. 
The second correspondence was not " additional information '' and was completely unrelated. I am applying for needed credit and need these matters resolved within the time frame allotted by law. My disputes should be resolved by XXXX/XXXX/2016. 30 days not 45 days. 
Thank you. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Problems caused by my funds being low

Complaint: Chase has been charging me excessive overdraft fees and NSF charges when I asked them not to let the charges go through as I felt my information may have been compromised before. How can I be charged {$40.00} in NSF and overdraft fees for a {$5.00} or {$9.00} charge. What is the point of doing that? Excessive bank charges for profits is unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: In response to a bank bonus promotion at Citibank, I signed up for a personal checking account on XXXX XXXX, XXXX. The promotion promised {$400.00} as a bonus if I opened an account and held a balance of {$15000.00} for 90 days after the first statement period closed. 

I waited for the bonus after depositing my {$15000.00} and keeping it in the account for the designated period. On XXXX XXXX, XXXX, Citibank closed my account and sent a check for the balance without me requesting that they do so. I called on XXXX XXXX, XXXX and learned that they believed they had not received my signature page for the account. When I told them the date when I submitted the page, they searched their records and found it. They admitted their error and let me re-open the account with the full {$15000.00} balance ( which happened on XXXX XXXX ). In another call on XXXX XXXX, XXXX, the bank 's New Account Opening office confirmed again that I would still be eligible for the bonus. 

I continued to wait for the bonus. On XXXX XXXX, I called again about the bonus. The representative said that the bonus should post around XXXX XXXX. It did not. On XXXX XXXX, XXXX, I called the New Account Office once again. They informed me that they would open an investigation internally, number XXXX. Now, it is XXXX XXXX, XXXX. I still have not received the bonus, despite maintaining a {$15000.00} balance since XXXX of XXXX. I have read in online forums that many other customers have had similar problems with Citibank 's bonus promotion.

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 monetary relief
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with Quality Loan Service Corporation (OR).
Issue: Settlement process and costs

Complaint: QUALITY LOAN SERVICE CORP of XXXX XXXX is a third party loan servicer who is illegally trying to foreclose on my home by scheduling auction sale on XXXX XXXX, XXXX. TS # XXXX XXXX. They are not representing any entity with a legal right to demand collection and sell the property. 
Trustees Deed XXXX/XXXX/XXXX XXXX Grantor/Grantee XXXX XXXX has been overturned by the court. 
The paragraphs bellow are from one of the documents I have attached. 
Trustee Sale No. XXXX Loan No. XXXX Title Order No. XXXX NOTICE OF RESCISSION OF TRUSTEE 'S DEED UPON SALE " On XXXX/XXXX/XXXX, at the property was purportedly sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
f/k/a The Bank of New York Trust Company, N.A., as trustee for XXXX Multi-Class Mortgage Pass-Through Certificates Series XXXX, being the highest bidder at such sale who bid the amount of {$430000.00}. 
5. The Trustee has been informed that the Trustee 's Sale in question was conducted through inadvertence and oversight. The Trustee 's sale of XXXX/XXXX/XXXX, as described above is null and void and of no force and effect. 
6. The express purpose for this Notice of Rescission is to return the priority and existence of all lien holders to the status quo ante that existed prior to the Trustee 's Sale. 
NOW, THEREFORE, THE UNDERSIGNED HEREBY RESCINDS THE TRUSTEE 'S SALE AND PURPORTED TRUSTEE 'S DEED UPON SALE AND HEREBY ADVISES ALL PERSONS, WHOMEVER AND WHATSOEVER LOCATED, THAT THE TRUSTEE 'S DEED UPON SALE DATED XXXX, FROM XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. f/k/a XXXX., as trustee for XXXX Multi-Class Mortgage Pass-Through Certificates Series XXXX AND RECORDED XXXX AS INSTRUMENT NUMBER XXXX, OF OFFICIAL RECORDS OF XXXX XXXX XXXX IS HEREBY RESCINDED AND SHALL HAVE NO FURTHER FORCE OR EFFECT WHATSOEVER. 
Also, please see CFPB case # XXXX It is complain I filed against the previous third party servicer, which protected me from their illegal claim. This current situation is another attempt by XXXX XXXX XXXX to continue its criminal activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Mortgage debt) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Law Firm, XXXX, XXXX XXXX XXXX on behalf of Huntington Bank is attempting to collect on an invalid debt against me. Huntington is claiming a lien against my personal residence based upon an alleged unpaid and unstated amount as a result of a mortgage that was cosigned by me for another property and businesses that were incorporated. Huntington took receivership of the property and businesses and caused a valid purchase agreement to be nullified resulting in a reduction of the sales price and deterioration of the businesses and their assets.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Amsher Collection Services, Inc. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX Consumer faxed to the debt collector a letter requesting it to validate any alleged debt that it is reporting to an XXXX   consumer report. It has not responded.

I am in receipt of a current report dated XX/XX/XXXX in which XXXX XXXX is still reporting. I have not been contacted by this debt collector regarding this erroneous account prior to this debt collector reporting it to my consumer report.

Is XXXX XXXX in violation of the FCRA? Since the reporting of this negative and invalidated item, I have been denied credit access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX TN XXXX or XXXX XXXX XXXX XXXX, TN XXXX also remove inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.

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 09-11-2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian send out a new report this time they add middle Ination I Never Had One.First it was my address now it read XXXX Can They Please Have My Correct Name And Address XXXX OR. XXXX Thank You.

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 04/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing this letter to address a situation where my credit was diminished, ( I believe wrongfully ), as outlined below. 

I originally started with XXXX in XX/XX/XXXX. A couple of months later, my phone was stolen and since I did n't purchase insurance, I had to wait a couple of months to purchase a new phone. When I called XXXX to activate the new phone, the representative said that given my situation she felt I would be better off switching to a pre-paid plan. I was concerned about being charged an early termination fee, but she assured me that as long as I stayed with XXXX for the duration of the original contract, I would n't be charged a termination fee. I took her advice and did as she suggested. I remained a loyal XXXX pre-paid customer through XX/XX/XXXX. 

A look at my credit report lead me to find that they charged me a termination fee even though the XXXX representative said they would n't. I found that they sent it to a collections agency ( Enhanced Recovery Company ). I 've spoken to representatives at Enhanced Recovery, who told me to get XXXX to send this information. In XXXX and in XXXX XXXX different XXXX supervisors acknowledged their mistake, and promised that their XXXX Team would contact me so I could get this information to Enhanced Recovery, and get it off my credit report. Their XXXX XXXX failed to contact me both times, but this time I recorded the conversation with them. In this recording ( XX/XX/XXXX ), the Supervisor acknowledges that the previous Supervisor ( from our XXXX conversation ) sent a letter to their XXXX Team indicating that I should NOT have been charged and early termination fee because their Representative did not enter such fee into my new agreement. 

I 've sent letters to both XXXX and Enhance Recovery Company, but nothing has been done to clear up my credit. I 'm a XXXX veteran who really needs help getting this problem fixed. Please help me. If you are unable, please tell me who ( in your agency ) can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit report, and noticed a new collection account from Diversified Consultants. They say its a debt from XXXX XXXX. I have never had service with XXXX XXXX. I contacted XXXX and they have no record of me. I want this removed immediately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Hello I sent off 5 dispute letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to send me verification of the late payments on 2 accounts that I question or remove them. 1 of the accounts was closed and transferred as paid with {$0.00} balance had late payments of XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX and the other one was in good standing which I 'm currently paying on had a late pyment of XX/XX/XXXX. In return I only was told that the accounts was mine and has been updated. While only disputing these 2 accounts, the account that I had that was in good standing was removed from my credit report when I only disputed the 1 late payment and there were now additional accounts that was closed and transferred with {$0.00} balance as paid payment status has now been changed to payment status unknown only with the 2 accounts in question.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 'm copying this from another internet as it accurately captures my complaint. Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (AZ).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On XX/XX/XXXX I received an email from Barclays advising me of fraudulent charges on my XXXX. Someone stole my card number from a free-standing ATM machine outside XXXX XXXX XXXX XXXX XXXX when I visited in XX/XX/XXXX. They used my card information to take out a cash advance in XXXX on XX/XX/XXXX. I live in  XXXX, AZ. I called Barclays immediately. They closed out my account and gave me a new card. I was told it would take 2 to 3 billing cycles to be reimbursed for the {$500.00}. After several calls and many promises, the charges are still on my bill. Barclays is also charging me {$26.00} a month in interest on a bogus charge. During my last call on XX/XX/XXXX I was again promised the charges would be deducted within 48 hours. Today is XX/XX/XXXX and charges are still on my card. 

I want my money back NOW! I was told that my money will not be refunded until investigation is complete. When I called on XX/XX/XXXX and spoke to the supervisior XXXX, he informed me someone at Barclays dropped the ball and never started the investigation. 

I would like to file a lawsuit against Barclays but do n't know how to go about it. I 've also considered going to a local tv station in hopes that negative airtime would encourage Barclays to fulfill their promise. I am angry and frustrated. I feel totally helpless and taken advantage of. Where do I go from here?????????

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 monetary relief
Consumer complaint received 11/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX 2015, I made an arrangement with Navient of XXXX XXXX for a program called The Rate Reduction Plan. Per our agreement, I would successfully make XXXX auto-debited payments from my bank account and this would bring my higher payment which was almost a month past-due since I was making these lower payments, up-to-date. I have proof of XXXX successful payments, and an arrangement for auto-debited payments for XXXX more months. Navient went ahead and reported the pending past due amount to the credit bureau without informing me or my cosigner and thus greatly damaged our credit scores. This is unacceptable as I took proactive responsibility in making payment arrangements with Navient to avoid such actions. I was never informed by any agent or through the automated agreement over the phone, that the pending amount due would be reported. I was only told that once I made these XXXX payments, my account would be made present and start to reflect these new payments. My last successful payment was made on XXXX XXXX, 2015 and my pending amount due prior to arrangements is still saying it is past-due. It is impossible to find an agent who is fully informed on this process and this lack of cohesion reflects poorly on such a large corporation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: False statements submitted in a response letter from US BANK NA I did n't vacate my home the XXXX XXXX county sheriff 's deputies executed an illegal homeowner eviction of XXXX 2013, I, myself the original homeowner, relative room renter and a host of neighbors are KEY WITNESSES because of lack of action by the District Attorney 's office on my pending legal complaint pending before the District Attorney 's office. FOR PERSONAL SAFETY REASONS I POSTPONED TO TAKE BACK UP RESIDENCE IN MY HOME. There is no FHA LOAN ESCROW CLOSE recorded on my real estate property with the XXXX XXXX county recorder office, as part of the OCC FEDERAL CASES investigation into us bank na mortgage loan account number XXXX, it was discovered via identity theft linked with loan fraud qualifications in my name the former senior partners and title holders of my real estate property working with U.S.BANK NA fraudulent activity defrauded the DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT of approximately {$130.00}, XXXX this is to include an alleged down payment governmental grant of {$5000.00} the FHA LOAN FUNDS WAS NEVER RECOVERED thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: open date XX/XX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date

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 01/13/2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Debt Recovery Solution has reported to the CRAs that I owe them {$8600.00}. They stated that the account was opened on XXXX 2015 and that the account had the first major delinquency on XXXX 2015. 

I find out about it when I check my credit report. Since I do not recognize the company or the debt, I called them to obtain information. They told me the debt was mine from an old credit card that I had at some point of my live and that I had stopped making payments several years ago. 

I requested the validation documents, but I never got them. 

Assuming they are right and the debt is actually mine. Since they claim this is an old debt, then the open date can not be XXXX 2015, and the major delinquency date can not be XXXX 2015 and the date of last activity can not be left blank. 

Therefore, Debt Recovery Solutions has parked this account on my credit report, violation of the FCRA. I must be notified they are trying to collect a debt and that they will report to the CRAs. 
The collector has re-age the account, another violation of the FCRA, the collector falsely reported the dates. Finally, up to date the collector has not validated the debt, 3rd violation. 

I filed a dispute with the CRAs. The CRAs did not remove the account because the collector claims the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've been a victim of fraud on 2 occasionXXXX on my credit report. One is from XXXX XXXX on XXXX XXXX, XXXX. The one is Chase Card inquiry on XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief