milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Settlement process and costs

Complaint: I am XXXX XXXX XXXX writing this complaint. I am a resident of XXXX, CA and have my residence at XXXX XXXX, XXXX, CA XXXX. I had purchased this property from a company called XXXX XXXX XXXX in XXXX. This company got closed and was shut down due to Bankrutpcy. Later, various banks such as XXXX XXXX XXXX, XXXX Bank, XXXX XXXX and The XXXX started sending me letters on the property claiming Illegal and Fraudulent Ownership on my home in XXXX, CA. In the year XXXX, my then attorney, sent legal notices to these various banks and also filed complaint with The California XXXX Department XXXX XXXX XXXX and The XXXX Office XXXX Controller of Currencies and filed serious complaints against these banks. Recently, on or about XXXX XXXX, XXXX, The XXXX Mortgage XXXX and XXXX XXXX XXXX illegally and fraudulently claimed ownership on my home and they allegedly sold my property through illegal auction sale and sent some people of their own in my home criminally trespassing my home, and taking unlawfull possession of my home, all my personal belongings and other property. I never had any Truth in Lending Agreement signed between myself, or my exwife XXXX XXXX and between any of these banks, and/or specifically with The XXXX Mortgage XXXX and XXXX XXXX XXXX. I believe that The XXXX Mortgage XXXX and XXXX XXXX XXXX is barred by the State and Federal Statutes to enter into another TILA with me and/or with my ex wife, XXXX XXXX. The XXXX Mortgage XXXX and XXXX XXXX XXXX were previously on Notice throuth The California XXXX Department XXXX XXXX XXXX and the XXXX Office of Controller XXXX Currencies on this matter. The XXXX Mortgage XXXX and XXXX XXXX XXXX have unlawfully entered into my home, occupied it unlawfully as Constructive Trust and as Adverse Possession without the Color of Title and without the Color of Law and Authority. Criminal charges must be filed against the officials of the XXXX Mortgage XXXX and XXXX XXXX XXXX immediately. I am gravely hurt and I need justice. This complaint is an Administrative Lawsuit against The XXXX Mortgage XXXX and XXXX XXXX XXXX. I seek the assistance of the XXXX Consumer Finanical Protection Bureau in this matter at the earliest. Respectfully Submitted, XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 12-01-2016 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Credit card protection / Debt protection

Complaint: Synchrony Bank has both harassed and disrupted my business for over 3 hours this week. Synchrony Bank has placed a hold on a credit card associated with Visa and a major department store with no reasonable justification. Tonight, I presented myself with a photo ID and the credit card at a department store branch and Synchrony still refused to comply in explaining or releasing the hold on my account. Customer service at two of these department stores located in close proximity of one another shared that Synchrony was inconveniencing many customers this past weekend. Synchrony has cost me the ability to purchase items with earned rewards, promotions and credits. Please fine them for their poor business relationships and actions against customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (FL).
Issue: Managing the loan or lease

Complaint: Pnc bank. I have a XXXX and have been 30 days late on my car payment. This company starts calling me at XXXX. On XXXX they called twice. The payment was made at a PNC branch on XXXX/XXXX/2016! The payment is now caught up. I asked that they stop callin and they refused!

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Medical debt) with State Collection Service, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX Hospital in XXXX XXXX Colorado flatly refused to submit a request for payment to XXXX, even though it was thoroughly explained it was set up as a secondary form of payment. Previously they have a debt that was paid by workmens compensation as still owed also. 
They were repeatedly told to take this matter to the XXXX county court if they wanted to prove their claim, and neglected to do so. 
State Collection in Wisconsin then made false claims about owing this debt, and was also informed about their " CLIENTS '', willful neglect to use the proper channels to answer why they neglect to submit payment to an authorized provider. and to take it to the proper court in Colorado, if they wanted to establish any claim, and they also neglected to obey the law, instead slandering me with their coconspirators XXXX and XXXX, whom willfully and knowingly post these slanderous statements, even though they were informed about this failing to follow the requirements of the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DE).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Citicard declined a fraud claim. They fail to comprehend that I had 2 credit cards in my name on the same account as well as the card being used in 2 different locations. My card was fraudulently used on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX {$39.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$100.00}, XX/XX/XXXX XXXX {$190.00} XXXX XXXX and XX/XX/XXXX {$320.00}. XX/XX/XXXX XXXX XXXX {$320.00} XXXX XXXX  I used my card on XX/XX/XXXX at XXXX, XXXX and XXXX in a different city and I sent them all addresses of my legitimate transactions and the fraud transactions as well as mapquest showing the miles and time and that i cant be in 2 different places at once. My chip stopped working in XXXX  and I requested a replacement card. I never destroyed the chip card that sometimes worked. I had two cards in my name on same account and one was lost. They actually told me to file a police report, call the merchants and requested the front and back of mine and my husbands drivers licenses. The total fraud is like {$600.00}. I have been a Citicard member since XX/XX/XXXX and spend $ 2-3k a month on Citibank and pay in full every month. Im not sending in my drivers license. Can they legally request this information? Im concerned about identity fraud and I feel they dont need this information.

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 11/21/2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect exchange rate

Complaint: On XXXX/XXXX/XXXX I had a inbound XXXX wire transfer of XXXX converted to USD {$71000.00}. 
Being that the XXXX was slightly better that the USD with the days XXXX range of XXXX to XXXX with the close at XXXX. I felt they were taking a awfully large % and wanted to know how it broke down. 

I went to the local branch, and of course they had to call someone at the XXXX desk. After going over the information with XXXX in XXXX, I told him this was a very poor exchange rate exchange rate and that they needed to re-evaluate it, his response was that they are very competitive in the exchange market. I then pointed out to him that a bank here in Florida, XXXX would do it all day long in any currency at .075 % under XXXX, and their a small fraction of the size of Wells Fargo. 

He said he never heard of them and said that was the best they could do as it is a program. He did tell me the executed rate they gave me was XXXX. This is like a exchange rate at a window at the airport in my opinion.

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 06/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Bank of America is using fraudulent information in regards to a previous account that I owned that was defrauded. For which I filed a claim, which was rejected. Therefore I was held responsible and made to pay back money I had n't gotten in any way, shape, or form. I filed a police report to no avail. I requested evidence of the claim by bank of america, they declined by saying the evidence is proprietary information. I requested bank footage to substantiate the claims by bank of america, they refused on the grounds that they require a court order, So while not admonishing any facts related to the false information bank of america is disseminating misleading, false, and libelous information to a third party reporting agency preventing me from opening a bank account at any institution. I demand this blatant abuse be stopped or I 'll be contacting legal counsel.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My wage earner protection rights were violated. I was under wage earner when my second mortgage was refinanced. The loan was with XXXX XXXX XXXX. The new loan was with XXXX XXXX XXXX. XXXX made regular payments to XXXX XXXX without my knowledge or consent. I opened an account with XXXX XXXX in XXXX after I received a settlement from a XXXX XXXX law sue I filed in XXXX. The case number are XXXX & XXXX. I was discharged in the first case XX/XX/XXXX, XXXX on the second one. The case number for the law sue is XXXX. Attorney XXXX XXXX filed the law sue as workman 's compensation without my knowledge. The FBI brought this to my attention. I learned I was under investigation in late XXXX. I was laid off on XX/XX/XXXX, my former continued to pay the courts from my payroll. My employer EIN # is XXXX. I paid the courts {$18000.00} on XX/XX/XXXX to pay all of my creditors off. My employer never stopped paying the courts and they knew I was laid off. The payments was {$140.00} a week from XX/XX/XXXX-XX/XX/XXXX. Someone have abused/is abusing my identity. The person/persons had health care insurance with my personal information. XXXX XXXX XXXX. It 's a group. My drivers license number is XXXX-social security # XXXX. All my former employers have been changed with all Of The credit agencies. My drivers license was copied without my knowledge & my social security card. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. When I learned I was a victim of identity theft. I went to probate court and changed my name to my maiden name. XXXX XXXX XXXX Federal Identification number is ( XXXX ). XXXX-mortgage interest statements was reported to IRS using my personal information. Fraudulent transitions was being reported to IRS. Interest was added to the C/D 's I opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX Federal Identification number is XXXX. I was told by the FBI to pull all of my tax transcripts. I went back to XXXX. XXXX XXXX Federal Identification number is XXXX. It was used to report fraudulent interest on the C/D 's I opened the account with. ( XXXX ) & ( XXXX ). This information was reported to IRS, yet I never received statements. My mail was being stolen, a series of people had p o boxes in my name through XXXX XXXX. From the time I opened that account it was being abused. XXXX XXXX really needs to be investigated, with her mother. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX she is a former postal employee. XXXX XXXX XXXX, XXXX XXXX. I wrote checks for my tithes, money was being stolen.

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 01/13/2017 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I live in California and my mortgage company is located on the XXXX XXXX. I regularly make my mortgage payment on the XXXX, the last day before a late fee is charged. The remittance coupon clearly states that " If payment is received after XXXX, a $ XXXX late fee will be charged. '' The coupon does not state that the payment needs to be made according to XXXX. I called my payment in prior to mid-night XXXX on the XXXX and was charged a late fee. If the payment is reflected as the XXXX on my statement the next month, should I be charged a late fee?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: After requesting PMI removal in XXXX 2016 and fighting for months to obtain a fair appraisal of our property, two separate customer service representatives from Seneca Mortgage told me ( in a recorded call that both agents agreed to ) that my request for PMI cancellation probably was n't being taken seriously because " my property was n't worth anything. '' The customer service agents then proceeded to argue this " fact '' based on their own assessment of the land using the property taxes that my husband and I paid on the farm land. Neither agent understood what a " farm deferral '' was and that we pay a large reduction in property taxes, as we 're currently XXXX this land that is zoned for a subdivision of XXXX houses. Over the course of 5 months, Seneca failed, refused or was unable to complete this appraisal and transferred our loan to a different carrier. 
My husband and I feel that agents with Seneca conducted their own unofficial and unprofessional appraisal of our land and our request for PMI removal was ignored, despite the value of our property being appraised by our county at XXXX times our loan amount and us being current on all requirements of PMI removal via the Homeowners Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Other debt) with RAB, INC. (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: A company I represented as XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has been administratively disolved. 

XXXX XXXX - RAB, Inc. - P : ( XXXX ) XXXX - F : ( XXXX ) XXXX - is attempting to collect a debt XXXX had with a company, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has made several threatening phone calls and emails, although I had already informed him that XXXX has been disolved. 

On Tuesday, XXXX XXXX I answered another threatening phone call from him where he was very pressuring and abusive. I ended the harassing call when he started using profanity. Specifically, " XXXX this, you 're getting XXXX. '' That is when I hung up. 

I simply want the harassing emails and phone calls to stop. The fact is, I had no personal business with XXXX. The company that did, XXXX, is no longer in existence. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (MA).
Issue: Taking out the loan or lease

Complaint: Hello- I took a loan about 5 years with Regional Acceptance corp , loan was paid in full sometime in XXXX or XXXX in 2016, sometime in XXXX I contact Regional to get an update on the mail of the title and I was told that the tile was mailed to my address that I needed to wait a few days, a few days went by and I told them that I was still waiting on the title and their recommendations was to go to the XXXX office to request a duplicate, I been to XXXX different locations trying to obtain this document and up until now I been unsuccessful to do that, at XXXX they are telling me that they need a Lean release from XXXX in order for them to complete my request, XXXX is part of the corporation own by Regional Acceptance. I have contact Regional multiple times and request the lean release but instead the paper that they have provide me with is not the correct documentation. Im attaching copies of Statement of act, Power of Attorney & XXXX statement of fact obtain from Regional each time I have placed a call requesting the lean release. I can use some help since I do n't know what else to do or where to go. Im also including a copy of the registration /title inquiry from XXXX and a copy of the Application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Mortgage) with Ditech Financial LLC (MA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Ditech Financial sent me a bill which I disputed. I requested verification in writing. Ditech could not verify the debt. 
Ditech has made false statements to credit reporting companies. Payment dates are given that are false in an attempt to prevent negative information from aging off my credit report. 
Ditech continues to contact me in writing despite my specific instruction not to after debt verification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
1. XXXX XXXX {$580.00} 2. ERC {$560.00} I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that creditors and credit bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of the alleged items specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Please delete this misleading information and supply a corrected credit profile to all credit bureaus who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. This letter is an affidavit and dispute of the incorrect information that you are reporting on my credit file. If you continue us to place incorrect information on my credit report without my consent I will be forced to take legal actions towards your company and you will be faced with charges for the damages you have caused on my life and my credit file. I have all recorded calls, emails, certified documents, and the threatening phone calls your company made. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: After the Equifax data breach, I wanted to place a security freeze on my wife and my Equifax credit reports. I could not place these freezes online as the Equifax web site credit freeze app was non responsive. So I downloaded and printed out the credit freeze forms that Equifax provides for this process and I completed these on behalf of my wife and myself and submitted them via certified mail as Equifax requires. 

Subsequently, we received no response from Equifax with the usual PINs needed for the temporary future lifting of a credit freeze should that become necessary. I had successfully placed freezes on our XXXX, XXXX, XXXX and XXXX  XXXX receiving the required acknowledgements from all the latter. Only Equifax continued its sub-par performance by failing to confirm our freezes were in effect. Furthermore Equifax provides no obvious telephone contact number for consumers who may need to contact them. This kind of poor communication is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: an address I never lived at was removed from my credit report. It was added back without notification. The address is  XXXX   XXXX   XXXX   XXXX   XXXX  Md  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 non-monetary relief
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (AK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, XXXX, I checked my credit score which showed a payday loan in collections from Midwest Recovery. 
On XXXX XXXX, XXXX, I tried contacting the debt collection agency by phone to verify this debt check the statute of limitations, original creditor and ask for validation including all transactions. All phone numbers listed for this company are out of order. 
I do not recall obtaining a payday loan. I need this off my credit report. I need this company to verify and validate, they have violated the FDCA.

Company response to consumer: Closed with explanation