milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested that I be provided documentation regarding the transfers of the note and the title, along with the mortgage servicer agreements to my home..So far I have received only copies of a loan modification agreement signed by " robo signers " - ( Violation of Arizona 's false documents statute ( robosigning ) : Dismissal reversed and remanded. Plaintiffs alleged that MERS " robosigned '' documents in violation of Arizona 's false documents statute ( Ariz. Rev. Stat. Sec. 3-420 ). Plaintiffs claimed that documents such as notices of trustee sales and assignments of deed of trust had been notarized in blank and robosigned with forged signatures. The XXXX XXXX reversed the XXXX Court 's dismissal based on a change in law, noting that in a recent decision, the Arizona Court XXXX XXXX determined that a damages claim is available under Arizona 's false documents statute where a borrower alleges that a notice of substitution of trustee and assignment of deed of trust are false. See XXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX ( Ariz. Ct. XXXX. 2013 ). The XXXX decision also provided that borrowers in default did have standing to bring allegations under Sec. 33-420. Because the allegations at issue in XXXX closely resembled the borrowers ' allegations here, the XXXX XXXX reversed the XXXX Court 's dismissal. ). XXXX and Nationstar seem to be operating without having the documentation that Verifies that my mortgage is Legal or that they have the Legal right to service this mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (I do not know) with Medical Data Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: IN RESPONSE TO CFPB XXXX THE REFERENCED ITEM STILL REMAINS ON MY CREDIT FILE. PLEASE HAVE IT REMOVED TODAYS XXXX XXXX L XXXX DOB XX/XX/1976 XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT MEDICAL DATA SYSTEMS INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX L XXXX DOB XX/XX/1976 SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 08/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have paid my student loan for over 7 years, month in, month out reliably and without issue. I logged on to increase the amount of my Direct Debit payment to send them even more money on a monthly basis ( {$200.00} ), well above the minimum amount ( {$180.00} ). I received a confirmation from them that the Direct debit ( automatically drafting my bank account ) was adjusted correctly, on XXXX XXXX. Then, the day after my payment was due, on XXXX XXXX, I logged on to ensure that the additional amount over the minimum was pulled form my bank account and correctly applied to my fed loan servicing account. I logged on and was immediately informed that my account, which has been paid consistently on time for over 72 months, was delinquent. FED Loan Servicing decided, in their infinite wisdom, to go ahead and make the executive decision to not honor my standing instructions to pay anything towards my loan that month, even after I received a confirmation that the direct debit status was active on XXXX XXXX  They sent me a confirmation in writing that a certain amount would be debited from my bank and paid towards my account yet they did not honor my standing instruction to do so, even though through their own admission, this request was received in good order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (CA).
Issue: Managing the loan or lease

Complaint: On at least 3 occasions, there was XXXX unauthorized payment scheduled in addition to the single authorized payment by a phone representative. Each time it has required intervention to cancel the additional payment not authorized. Recently, a second unauthorized payment was withdrawn without consent, even after a call to cancel the duplicate was made prior the phone payment request which would have indicated that the unauthorized payment was still pending, and the representative ignored this fact, and scheduled the ( new ) duplicate anyway, causing a double withdraw and serious financial hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/18/2018 about Checking or savings account (CD (Certificate of Deposit)) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I'm trying to close my CD account with CaptialOne 360 at maturity but the button is not working on their website. I click on " At CD Maturity close account and transfer to Savings Account '' and I click Continue button but the button does nothing. I tried several times over the course of a month. The default action of the CD setting is to start a new CD at a much MUCH lower interest rate when the CD matures. My guess is that many other people are affected ...

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. Bankruptcy Chapter XXXX 2. XXXX XXXX XXXX Late Over 120 Days 3. XXXX XXXX XXXX Collection 4. XXXX XXXX XXXX XXXX Collection 5. XXXX XXXX XXXX Collection 6. XXXX XXXX XXXX Collection XXXX Inquiries : Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XX/XX/XXXX Personal Services Not Medical XXXX XX/XX/XXXX Banking. 

I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TCF NATIONAL BANK (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries that do not belong on my credit report such as XXXX XXXX XXXX, XXXX XXXX and several more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: I tried taking out money at an atm but it did n't let me {$600.00} instead it blocked my card and it said to contact my bank for this matter.this happened after work around XXXX. So I have my mobile bank app I go paperless..I open my app and first thing that pops is a alert saying if it was me trying to take out money at a near atm..so I pressed yes, this after me going back home. After I press it i t takes me to my bank balance where I see that automatically it debited XXXX which I never even took out. I called right away after an hour on hold I get a bank of america person to help me..he tells me the card is now ready to use, I say ok what about the money? He says it should be credited within 48 hrs, so I check the following day, nothing. Until the second day I check and it got erased from my statement history like it never happened but the total is the same as when it was deducted. I call right away and they say they credited back and it was cleared because it was done so it had n't happened but I told them the balance is still XXXX less she said is not, I told her I knkw the total I had before the XXXX were deducted. XXXX I was asked if I wanted to open a claim I said yes, so they credited the XXXX temporarily until the investigation took effect, a month later I receive a letter that it was denied after being investigated and that the money was going to be reversed, I call the bank again very disappointed and mad, and tell them about the situation again they said XXXX case is closed I ca n't do anything about it anymore, I said how is that I ca n't just loose XXXX just like nothing, I 'm a single mom of XXXX and XXXX is almost a whole paycheck for me, she said sorry I ca n't help you she said only I can help by moving the date of the money being reversed back to a month away, I was like moving the date or not is not going to give me back the money I lost..I do n't know what else to do I am very dissapointed, sad, upset..I have bills to pay and my schooling as well, I hope you can help

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 02/17/2017 about Debt collection (Medical) with United Collection Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A rep from United Collection Bureau called claiming that I owned a medical debt with XXXX XXXX XXXX XXXX from XXXX. They claimed to have sent out a letter, which we did not get, and they could not properly verify the mailing address. The caller refused to send out another notice through the mail. I did not give them any banking or personal info until I could verify the debt and the debt collection company. I called XXXX XXXX XXXX and spoke with the accounts office. They verified that we had been there, but that our bill was paid in XXXX. I also verified with the physician billing agency and confirmed that we do not owe any medical bills with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Payoff process

Complaint: I have a Synchrony Bank Care Credit card and my balance consists of different purchases at different rates. I made a payment to pay off a 6 month no interest purchase and called the bank to allocate the payment to that purchase and the bank refused to do it. They said the minimum payment on my other purchase had to be satisfied even though it was not even due yet.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The week of XX/XX/XXXX I sent a letter to XXXX, XXXX, and XXXX to verify/validate a debt that is on my credit reports. XXXX sent a letter the week in XX/XX/XXXX stating this debt was under investigation. I never received any notification about this debt being verified or validated from none of the bureaus but on XXXX this account is showing as closed, XXXX and XXXX it 's showing disputed by consumers. Diversified failed to verify or validate this debt for account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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 submitted a letter to EXPERIAN disputing : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. <P/>I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. <P/><P/>These accounts are fradulent and EXPERIAN did not conduct a through investigation according to the FCRA. These Contracts were cancelled or rescinded and should not be reporting on my credit report. <P/>EXPERIAN responded stating that it meets FCRA requirements which is false. <P/>I SENT EXPERIAN the returned letter from THE XXXX XXXX XXXX XXXX ACCOUNT # XXXX stating that this item was returned to me from the address that was reporting on my credit report fraudulently. I 've attached the document with this complaint. Experian did not delete this account from my credit report they updated an address.

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 05-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (MT).
Issue: Trouble during payment process

Complaint: Wells   Fargo  bank NA has fraudulently tried on several occasions foreclose on a home in probate court and I  XXXX   XXXX   personal rep  of  XXXX   XXXX  my father hav made payments on paid all property taxes and insurance..well s Fargo c laims no  payments w ere made for 15 years since  XXXX  but I hav all proof my dead father and myself made payments since the original loan in  XXXX . I just had to pay  XXXX  to get the loan in my dead father 's name back open and out of default to secure my home me  n  my husband and  XXXX  children live in currently.  Wells Fargo  also put forced insurance and outrageous interest on the loan so the balance has never gone down or had a change unless it was increased for insurance premiums but my dad and me hav had insurance the whole time except around his death in  XXXX   XXXX . I need a representative to fight for the  XXXX  owed to my dead dad and I and what i hav paid on this account to secure this  XXXX  loan balance still since  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Unsolicited issuance of credit card

Complaint: I had a costco card with XXXX. Apparently costco switched their relationship and now only takes visa. So, during the switch, my costco XXXX XXXX was cancelled and I received a XXXX card. I paid the balance of my account online and it disappeared from my XXXX online portal. Five months later, I receive a call from Citibank collections, looking for {$10.00} saying that I had three missed payments. I told them that I had never received any information from them and did n't even know that I had a credit/business relationship with them. They said they had returned mail and never could get ahold of me. They could n't even give me an account number to dispute the charges with the credit bureaus.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I disputed some accounts with Equifax in XXXX 2017. I received the investigation results dated XXXX XXXX 2017 yesterday and all of the disputed items were deleted. Some of the disputed items were no longer showing on my report as they had been previously removed.However when I checked my credit file this morning all of the disputed items that were deleted or removed were reinserted back onto my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a 30 yr loan with XXXX in XXXX. Thereafter, in XX/XX/XXXX, the loan changed hands to Litton and then to Ocwen in XX/XX/XXXX. Ocwen says that the loan is a 15 yr loan and that it is due and payable. Upon my request, they sent XXXX document that conflicts with all of the attached records. I have no explanation for this document. However, they have no explanation for the attached documents. My records clearly show that the loan was for 360 months or 30 yrs. It should have approximately 10 more years left. I have attached copies of the original loan documents from XXXX. Interestingly enough, I have noted that all of the figures do not match. However, the one thing that is in common with all documents is that the loan was for 360 months. At various spots on Ocwen 's website, it shows that the loan is a 30 yr loan. I have made copies of each of those pages, they are available if you need them. It seems that I have been blocked off their website as I can no longer get information off their website. I have sent numerous letters to Ocwen to try and straighten this out with no results. Ocwen does not accept the monthly mortgage payments, even though I continue to make them. They just send the payments back saying credit refused. I have all on time payment records for several years back, they are available if you need them. To make matters worse, they are reporting to the credit bureaus that payments are not being made at all. It seems that they are killing my credit to force me to pay the balance in full. The balance is approximately {$38000.00}. I can not afford to pay the loan off, if I could I would. Ocwen has not made any attempt to foreclose on this property even though this has been going on since XX/XX/XXXX. Even stranger is if the loan did mature in XX/XX/XXXX, why are the showing monthly payments not being made after XX/XX/XXXX up to XX/XX/XXXX? If they were right, I am sure that they would have tried to foreclose. The whole thing is at a standstill, I pay and they send the payments back.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed a collection account through XXXX XXXX in XXXX that I found on my credit report that was not mine. The original creditor was XXXX XXXX XXXX account name was XXXX XXXX XXXX in the amount of {$660.00}. The investigation was completed on XXXX XXXX stating that Transunion and XXXX had removed the collection account from my credit file. I look at my credit report today and it is back on with a different creditor name XXXX XXXX XXXX with account name of XXXX XXXX XXXX. I contacted this company and they said it was sold to them on XXXX XXXX after it had already been removed from my collection report with the other investigation. I told them I do n't know anything about this account and that it was already disputed and removed from my credit report and they told me the debt was valid. It is also now back on the XXXX report under XXXX XXXX XXXX for the same account showing opened XXXX XXXX. I was also never notified by either Transunion or XXXX that this was on my report again nor from any creditor the only way I saw this was due to me going back on XXXX XXXX and seeing it today, XXXX XXXX, 2016. It was not on my credit report from XXXX through XXXX as it was removed.

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 10/31/2015 about Debt collection (Auto) with Duncan Solutions, lnc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this is not mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Rent Recover, LLC has attempted to collect a debt that has not been validated and is not mine. Rent Recover, LLC calls multiple times harassing and threatening me for a debt collection that is not mine.

Company response to consumer: Untimely response