milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2017 about Mortgage (Reverse mortgage) with Peer Advisors, LLC (CA).
Issue: Settlement process and costs

Complaint: My mother took out a reverse mortgage in XXXX for {$58000.00}. She purchased her home in XXXX and is currently XXXX years old. She is no longer able to live independently and currently lives with my parents. I attempted to contact her Reverse Mortgage company well over 15 times in the last two months to find out what the interest is and the total she owes. After being " disconnected '', transferred multiple times and being told someone would call him back, I still did not have the amount owed until the day before the closing of escrow and never received the contract. The amount they indicated my mother owed was {$410000.00} Her home sold for {$600000.00}. I was faced with two options, continue with escrow and have them take {$410000.00} with no justification ( proof of contract ) or identification of interest accrued or discontinue escrow and they move to foreclose ( although property tax and insurance are current ) because she longer resides in the home. If you were to call your traditional lender and ask them today what you owe on your mortgage, they would provide it to you with no problem. The refusal to provide ( although I am legally entitled as my mother 's Executor of her Estate ) is baffling. They still have not provided documentation. The question remains, if they have nothing to hide and are on the up and up, why not provide the contract? I would implore anyone to not take out a reverse mortgage and strongly discourage anyone they know from taking one out.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: An unknown account, XXXX XXXX is currently reporting on my Experian credit report which does not belong to me. The account also was reporting on my XXXX account which I disputed and deleted from my report. Experian has not provided me with any mechanisms or procedures in their investigation.

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 02/19/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax refuses to report and remove foreclosure correctly. My original loan through XXXX XXXX went into foreclosure. The loan was sold/transferred to XXXX. Where the foreclosure was finalized. The XXXX XXXX is due to fall off my reports as a foreclosure XXXX 2016. Equifax states they will continue to report XXXX account, even though it is the same loan and same foreclosure. I just want the XXXX account to be treated as the XXXX XXXX and be removed by XXXX 2016, 7 years from the first payment delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Bank account or service (Other bank product/service) with COMMERCE BANK (KS).
Issue: Account opening, closing, or management

Complaint: I had an account opened a XXXX Credit Card ( I believe, it may have been a debit card ) at Commerce Bank, without ever asking for it, similar to those who had accounts opened at XXXX XXXX. This card was offered to me every time I went into the branches, so I know it 's something they were pushing. Without anyone reporting this, we 'll never know if this was one person 's mistake, or a bigger issue, so I want to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have numerous inquiries on my XXXX Consumer report dated XX/XX/XXXX and XX/XX/XXXX from multiple car finance companies. I have contacted XXXX numerous times and informed them that I did not authorize these inquiries. My last point of contact was today XX/XX/XXXX. I spoke to 3 different representatives on different phone calls. I was told to call the car dealership that ran the inquiries. I tried to contact that company which is XXXX XXXX XXXX in XXXX NC but it no longer exists. However I was able to speak to a nice lady that works in the credit department for that company as well as the sister companies which are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. The representative looked into all of their systems and said that she could not find any information on me in order to have the inquiries deleted. She advised me to call XXXX back or to send them a letter disputing the unauthorized inquiries. I called XXXX AGAIN, was unsuccessful. I was told that they could not delete the inquiries and that the car dealerships would need to send a request to delete to XXXX. I 'm stuck in between a rock in a hard place because it seems that I 'm being ran in circles. The confirmation number given to me by XXXX is 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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is my third attempt to get this cleared off my reports. I have sent documentation every time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a voicemail on XXXX/XXXX/XXXX at XXXX from a XXXX XXXX regarding a case # and stated the last XXXX of my social in the voicemail, stating that federal charges will be filed with my county against my social security number if I did not call her back within 24 hours ( She addressed me in the voicemail by the middle, last, and fast name ). I can back XXXX XXXX at XXXX, she advised me that this was n't her case and would have to transfer me to the correct person. After being transferred to a XXXX XXXX XXXX she advised me that the Plaintiff is XXXX who brought out the original company XXXX and a suit would be filled against my social security number for the amount of {$1900.00} from a debt in XXXX. I tried to advised XXXX XXXX that I was no longer liable for this debt due to identity theft from my father which was handled. XXXX XXXX would not allow me to talk and continued to speak over me. XXXX XXXX stated that it did'nt matter and I can still liable. She stated that a letter was sent to me when which I have never received. XXXX XXXX continued to say that the case was found collectable during an audit this year and started threating me with wage garnishment, a XXXX against my social, and a summons being sent to the home or place of employment. XXXX XXXX stated that the case will be filed with my county on XXXX XXXX unless I make a settlement for {$1000.00} by XXXX XXXX or make hardship payments. I asked her what company she worked for. She stated Zenco and kept stating " we are not a mom and pop company '' we will follow through. I told XXXX XXXX I 'm not making any decision without further speaking with my husband. XXXX XXXX stated she would place my case on " administrative hold '' until that day at XXXX or case will be moved upstairs for court filling. XXXX XXXX called me twice on XXXX/XXXX/XXXX at XXXX and XXXX. I responded that her second call and advised XXXX XXXX that there are no pending debts on my credit, XXXX XXXX continued to talk over me again stating I will not see anything because this is not a collects but a federal offense and they have every right. I yelled over XXXX XXXX and stated that if this is such a serious offense why have I never received a single thing from them and why are they refusing to send me anything now. She stated because no participation is needed from me. Out of frustration I hung up the phone after continually being spoken over and told XXXX XXXX that I will be filing a compliant with the CFPB.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 11/26/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested the report from XXXX last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: For the second straight year I have been put into an  IBR pl an as that seemed like the best  option. While I was able to sustain the amount from last year ( about {$380.00} I think ),  when it increased to {$410.00} for the second year it got really hard. As a result I have missed my monthly installment twice now and am currently du  e for two payments for this month.
I called Navient on   the way to work this morning and asked for some assistance and the lady I spoke to  XXXX  pretty much told me there 's nothing else they can offer me. I questioned them about the lawsuit against them by the CFPB and she pointed me to their website of navient.comacts which seems to explain their side of the suit.     The only plan they could put me in is a revised payment plan which would bring my payments down to {$350.00} a month but in order for that to happen I 'd have to mak e a one tim e level up payment of about {$1300.00} to bring me current.     I told  XXXX  that I ca n't afford my {$410.00} payment so what made her think that I could afford a one time level up payment.     She pretty much ended the call saying they 're nothing else they can offer me and I currently have no resolution.     The problem I face is the terms of my student loan require to base my payments on the combined income of my wife and I and we have several financial obligations include family support to account for.     I want to pay my student loans until such time the lawsuit makes a determination, but I ca n't afford the amounts they are quoting me. I do n't understand why I ca n't pay them $  XXXX  {$250.00} a month as it 's better to pay something than nothing.     I need some help as I clearly can not get through to th em. Navient truly is h orrible with their customer service and it 's clear as to why they are being sued by the CFPB. I hope they get it in the end and realize that a servicer they should be helping their customers not hindering him.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received a letter from American Express that they had changed in error changed the structure of my Green Card. This was done without my consent or knowledge. The changed had caused me to incur interest and late fees unknown to me. They have supposedly credited my account the interest and late fees but have since tripled my minimum monthly payments and restricted my card usage. I feel as though theyre having me pay for their error. Theres no way I can make a minimum payment of {$2000.00}. They have threaten to report me to the credit bureau. I feel the entire ordeal is unjust and have explained to them I have no problem paying the suppose debt theyre holding me to but to balloon my monthly minimum is causing me financial hardship as a single working mother. Ive outlined all that in a letter to their Chairmans Office but have not gotten a response from them on the matter.
Ive had my American Express card for 18 years and have never had an issue with them until this error which they acknowledge in a letter to me they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Problems when you are unable to pay

Complaint: I was going to do a bankruptcy but stopped the process, the car was sent for collection to XXXX ... it is showing that it is a repo which is not I have been making paying through the company XXXX that USAA assigned to it. I need that collection off my credit because it is affecting me getting a new car. This account is being paid on the XXXX of the month at {$300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Federal student loan) with Performant Financial Corporation (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Performant Recovery, Inc. contacted me at work via phone in XXXX 2016. I do not have any debt and believed it was a scam. 

Performant Recovery , Inc. then sent its first letter to my house dated on XXXX XXXX, 2016 ( with no outside post-marking ), received in mailbox XXXX XXXX, 2016 and disputed XXXX XXXX, 2016 via certified mailed. This is in violation of the Fair Debt Collection Practices Act because a " validation notice '' telling me what the debt was about was not sent within five days after first contact in XXXX 2016. 

I have received one of the two delivery receipts of my certified letters sent to Performant Recovery , Inc. with tracking information it was delivered and received on XXXX XXXX, 2016. Two additional dispute letters were sent XXXX XXXX, 2016 to different Performant Recovery, Inc. addresses. 

I have received correspondence dated XXXX XXXX, 2016 ( post-marked XXXX XXXX, 2016 ), received in mailbox XXXX XXXX, 2016, violating the Fair Debt Collection Practices Act because it is documentation looking like it is legal format of a court or lawsuit claimant. 

The social security number on the paperwork is not mine and the company is claiming they will garnish my wages ( again another violation without due process and court order ). 

Additionally, the address to send remittance is constantly changing on the correspondence.

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 05-08-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: Order flowers from a company name XXXX to be delivered to my wife. The picture in their website vs what was delivered was a misrepresentation. Contacted XXXX for a refund per their guarantee and they would not honor it. I then contacted Chase customer service and they said there was nothing that can be done since it was a debit and there was no purchase protection at all on debit purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: An item which originated in XXXX of XXXX from XXXX XXXX XXXX appeared on my XXXX and XXXX reports in XXXX of XXXX. I contacted XXXX XXXX and the only information they have on this is index data which indicates the item was sent to collections in XXXX. It is now being reported with an " Open Date '' of XXXX XXXX, XXXX and XXXX XXXX, XXXX, respectively. It has obviously been re-aged. I was never notified of this collection attempt via U.S. Mail or telephone. I will send out letters to the agency next week after XXXX with a demand for supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE APPLIED FOR A LOAN MODIFICATION WITH WELLS FARGO. WELLS FARGO COMMITTED MANY ERRORS IN THE LOAN MODIFICATION PROCESS AND FORECLOSURE PROCEEDINGS WITH MILLIONS OF HOMEOWNERS. WELLS FARGO SETTLED WITH STATE & FEDERAL XXXX AND PROMISED TO CLEAN UP THEIR ACT. THE HORRORS CONTINUE. WELLS FARGO HAS DELIBERATELY INFLATED MY INCOME IN ORDER TO ISSUE A DECLINE AND TAKE MY PROPERTY IN FORECLOSURE. WELLS FARGO ISSUED A DECLINE LETTER AND BACK DATED IT TO XXXX XXXX, 2016 AND I RECEIVED IT XXXX. MY INCOME IS MY WAGES $ XXXX, XXXX XXXX {$720.00} + XXXX SOCIAL SECURITY {$830.00}. THIS TOTALS {$3000.00} PER MONTH. WELLS FARGO INFLATED THE INCOME TO {$4200.00}. THIS WAS AN ARBITRARY ACT & THE INCOME THEY FABRICATED IS WITHOUT SUPPORT

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 10-05-2016 about Debt collection (Medical) with Capio Partners, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not believe the claim for {$1300.00} from : " CAPIO PARTNERS LLC '' or " XXXX / XXXX XXXX XXXX XXXX '' is legitimate. 

1. I received an invoice from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, dated XXXX/XXXX/XXXX is for services dated XXXX/XXXX/XXXX ( almost 6 years later ). See attachment # 1. 

2. I called XXXX ( XXXX/XXXX/XXXX ) and they referred me to you CAPIO PARTNERS. 

3. I called CAPIO ( XXXX/XXXX/XXXX ) and left a voicemail asking them to call me. 

4. I recently called my insurer, XXXX XXXX ( same insurer as service date in XXXX ). XXXX XXXX told me there were no claims filed for an ambulance, service date XXXX/XXXX/XXXX or for any other surrounding dates. XXXX XXXX also told me it was now too late to file a claim ( the 2-year window expired ). 

5. I recently discovered that XXXX / XXXX XXXX XXXX XXXX is affiliated with XXXX ( the invoice was for ambulance service ) .Apparently XXXX XXXX XXXX XXXX XXXX XXXX as a joint venture between Rural XXXX XXXX and ... See attachment # 2. 

6. Our local news station aired a segment criticizing XXXX XXXX for their billing ( lack thereof ) and their collection practices. See attachment # 3.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer available to transfer credits or finish course

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 05-11-2016 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter with the mailing address of FBCS , INC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX - attached Letter XXXX XXXX XXXX XXXX is the principal agent for FBCS, INC. ; and I believe XXXX XXXX XXXX is XXXX in the same as FBCS , INC. 

In Letter A, there is an offer to settle an unverified DEBT at 75 % off with some company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. XXXX XXXX is acting as President and Chief Executive Officer of XXXX XXXX XXXX XXXX XXXX. ; and i believe XXXX XXXX is XXXX in the same as XXXX XXXX XXXX XXXX XXXX. 

I responded with a notice offering to settle the DEBT upon presentment of a verified and signed bill with a bill of particulars showing what damage/loss/harm i cause this alleged 'CREDITOR ', XXXX XXXX XXXX XXXX attached Notice A. 

I afforded XXXX XXXX XXXX working for XXXX XXXX 15 days to answer my offer to settle this DEBT ; but there was no response - see attached Certificate of Non-Response. 

30 days after Notice A, i sent a followup notice that i wish for XXXX XXXX XXXX and XXXX XXXX to cease and desist since there is a failure to verified this DEBT, and that i wish for them to purge their databases of my information and remove any negative reports to my credit immediately - attached as Notice B. 

On XXXX XXXX 2016, my Notary received a letter from XXXX XXXX XXXX that fails to state a DEBT that i am obligated to settle ; in fact there is no amount stated, no damages claimed, no losses ... its not even a bill - attached Letter B. 

I believe Letter XXXX is absolute rubbish. 

On XXXX XXXX 2016, i received a letter from XXXX XXXX saying that XXXX XXXX XXXX has an offer to settle a DEBT - attached as Letter XXXX. 

I believe Letter XXXX is an attempt to collect on an unverified DEBT sent through the XXXX XXXX, which is fraud. 

I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: not to long ago before i moved back home to Florida i closed my account with bank of america. When i decided to reopen an account with another bank such as XXXX XXXX i was told that there was a problem with my account and the problem was that there was fraud on it. A while before that i had lost my wallet while i was still in California and i recently called my old bank ( today XXXX/XXXX/XXXX ) to make a claim about the situation, they told me that i should call the police department and make a report about losing my belongings XX/XX/XXXX. My everything was inside my wallet including my social security card, High school information, my address, and a few I.D pictures of myself and also my online banking information which included my log in info to my account.

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