milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have a mortgage with   Wells Fargo. They bought my original VA loan without my knowledge or consent and had not given me any information of " rules '' or investor terms.
They will not eliminate my impound account even though I have 20 % or more of equity.
Enclosed is their response.
Thank You   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 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have finished the purchase requirement of American Express XXXX credit card. But I did not get the welcome offer for over several month.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Ex ( XXXX XXXX XXXX, Date of Birth XXXX/XXXX/XXXX ) seems to have had XXXX credit card ending with XXXX issued under my name, and not made payments since XXXX XXXX, thus going to collection agenciesI contacted XXXX fraud investigationThey are investigating it along with local investigators in XXXX, IL police departmentPlease make sure My crdedit score is readjustedThe lady investigating this credit card fraud from XXXX XXXX XXXX who can be reached at XXXX XXXX XXXX would appreciate if this credit card fraud is reported to other XXXX credit bureausMy name XXXX XXXX XXXX of birth XXXX/XXXX/XXXX and can be reached at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX has a XXXX loan under my name. I did not sign, give consent or agree to a XXXX loan. The XXXX loan is for the same vehicle that I had purchased ( the letters they sent home to me have a different account number than the original account, yet has the same VIN # of my car ). I filed a dispute through Equifax as I also tried working it out with the company. It has been more than 2-3 weeks that I have been calling/emailing XXXX to fix this issue. Recently, I noticed on XXXX XXXX that it shows up as " paid and closed. '' Yet, it also says that I was late on a payment. Since I did NOT sign, give consent or agree to the second loan, it should NOT be showing up on my credit at all. This morning I received an email from Equifax indicating that they contacted XXXX and got verification that the loan belongs to me. I think that it also shows up on XXXX, but that is why I am hoping that by filing this complaint, pressuring the company to fix their mistake and having them report to the credit agencies that it is NOT my loan and that it was THEIR mistake, will clear everything. I am also requesting a written letter from the company indicating that they in fact did make the mistake and the steps they took within the past 3+ weeks to fix it. I want that letter just in case this issue ever comes up again and I have written proof that the loan was a mistake and it does not reflect my financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Student loan (Federal student loan servicing) with Performance Settlement, LLC (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Hello, I have recently learned that the company who claimed I could get my student loans forgiven from has been charging me for " re-consolidating '' my loans and doing something that my loan provider offers for free. They made it seem as if the money I was paying to them would be going towards my student loans when it was going towards the company, and I had stopped paying my student loans because I was eligible for a payment of {$0.00}.   Date of contract was  X/XX/2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and based on their own website check, my personal information may have been impacted by the hack. They did not agree to have my personal information released to hackers, so the information in my credit report was used improperly.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account was in to law the XXXX ( XXXX ). The XXXX further clarified and XXXX the XXXX and XXXX ( XXXX ) which benefits XXXX members and was signed into law in XX/XX/XXXX. Was on XX/XX/XXXX and they suppose be delete from my record. This account was paid and closed in good terms. They sold the account to collection and they want charge me the amount againt. They are wrong on the closed date and amount is {$0.00}. It is fraudulent or identity deft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After pulling my credit report in XXXX, I notice a few accounts with a huge outstanding balance owed to Meridian Financial. I contacted Meridian Financial on XXXX/XXXX/XXXX. I spoke to XXXX about options for a plan to pay off the obligation. At that time, she said l would have to pay a lump sum of {$3000.00} in order for the account holder to look at the possibility for payment. 



I called Meridian Financial on XXXX/XXXX/XXXX and spoke with XXXX. I asked XXXX about my Credit Report and that it stated that I owe {$7500.00} and XXXX accounts. He informed me that the total is {$9400.00} and XXXX accounts on his records. XXXX stated that Meridian Finical Services a lump sum of {$3000.00} by XXXX/XXXX/XXXX or they are going to put more stuff on my credit report. Also, they could n't work with a payment plan until I pay {$3000.00} to possibly get approve for a payment arrangement. 



I spoke to XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX am. He told me that there is no one at XXXX XXXX can help me or speak to me about the account due to the delinquent status. He informed me to call Meridian Financial Services at XXXX ( but the # 's I have on file is XXXX ). I informed him the reason I contacted him due to not getting help with a payment plan from Meridian Financial Services and that I will be filing a complaint with the Consumer Financial Protection Bureau. He then gave me an email to contact the General Manager : XXXXXXXXXXXX. He then thanked me and said " have a good day ''. 



At XXXX XXXX on XXXX/XXXX/XXXX, I spoke to XXXX at Meridian Financial Services about the situation and he forward me to XXXX XXXX, where I left a voice mail at XXXX XXXX requesting a statement summary. 



I was not confident that XXXX XXXX would call me back so I called again at XXXX XXXX and spoke with XXXX. He looked at my account and said about the same thing. I asked if he could give me a summary of my account so I can visually see what is going on with my account. He said he could not and is not allowed to give me a statement of account or a letter with the proposal for repayment. 

I researched the complaints on this site and there are XXXX complaints against Meridian Financial Services listed in the database.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit card () with U.S. BANCORP (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a XXXX, and my crediti card was used by a former employee to pay his own bills. I have been fighting with XXXX XXXX XXXX since XX/XX/2016 about this. I have filed a Friendly Fraud Report with my local Police Dept. The CC Company will do nothing about it, even after providing them with numerous copies of paperwork.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: I have been locked out of my virtual currency account. Coinbase has my money trapped inside there system. I went to use my account one day and coinbase had logged me out, I went through the 2 step verification process and for no fault of my own the verification failed. As a result my account is locked with roughly XXXX inside which can not be accessed. I have emailed, rang, posted to XXXX and XXXX and although I have received a reply telling me they are processing my request it has now been locked since the XXXX of XXXX. My case number is XXXX. I simply want the account unlocked as there is nothing wrong with it and I have reset the password as coinbase requested. 

Kind regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello. I have a second mortgage on my home that was serviced by Ditech. It was transferred to XXXX XXXX XXXX sometime in XXXX 2017. On two of three credit bureaus it is reported as paid. On Experian, Ditech is claiming that we are 30 days past due. I have called Ditech and they claim to have fixed the issue. I applied for a new mortgage and Ditech is still claiming we are 30 days past due on a mortgage they no longer service. This is causing considerable financial distress to my family. We need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Someone stole and used my credit cards and made fraudulent and unauthorized transactions on all 3 of my credit card accounts. My entire credit limit was used and all the transactions are fraudulent and unauthorized. The following credit card accounts are lost/stolen : XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, the accounts are lost/stolen and all of the charges/transactions are fraudulent and unauthorized.

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 09/22/2016 about Debt collection (I do not know) with NORTHLAND GROUP INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX, XXXX. began sending me this bill in approximately 2011. My husband has a mortgage with same. However, I have not ever, nor do I now have an account with XXXX XXXX. I have ignored the bill until news broke recently that the bank was opening credit cards in the names of people without their consent. 

That is when I realized I could possibly be one of the victims. 

To the best of my knowledge, this bill has now been turned over to Northland Group , Inc. and they are now still trying to collect an amount I do not owe. As well, it is now a blemish on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Since XX/XX/XXXX I 've been autopaying {$63.00} on the XXXX-XXXX of every month to XXXX/navient. In XX/XX/XXXX the auto-pay abruptly stopped. When I contacted Navient about it they told me I had NEVER auto payed before and since I was late I needed to pay XX/XX/XXXX payment AND XXXX payment. They took {$120.00} from my bank account. The {$120.00} does n't equal the XXXX I was paying but that 's anther issue. They said the payment was for XX/XX/XXXX and XX/XX/XXXX. Then come XX/XX/XXXX I get charged again {$63.00} on XX/XX/XXXX. I have all the bank statements and my account payment history on the navient site.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This is the letter I submitted to Fay Servicing regarding property taxes that they paid on my behalf out of my escrow account, on a piece of property that I did NOT own. 

To date, they have done nothing to resolve the issue. 

RE : Property taxes being paid ( on our behalf by your organization ) to the City of XXXX for real property, which we do not own Property in Question : Borough : XXXX XXXX : XXXX XXXX : XXXX Entire Lot ( parking space ) Unit : XXXX Address : XXXX XXXX XXXX XXXX To Whom It May Concern, It has come to my attention that it appears that we are paying property taxes from our escrow account for a piece of property that we no longer own. ( Your company is managing our escrow account and paying these taxes on our behalf. ) On XXXX XXXX, XXXX, we sold our parking spot ( under said mortgage ), to another unit owner ( XXXX XXXX XXXX ) in our condominium building. I have attached copies of the the transaction and the transfer of the deed. 

The City Of XXXX appears to have recorded this sale properly ( see attachments ). 

However, XXXX, in their never-ending corporate incompetence ( which I have experienced multiple times with this mortgage ) sold you a mortgage to service which no longer contains this property. We originally purchased our condominium and parking spot together at the same time, both independent real property entities under XXXX mortgage ( the one we 're now paying through your organization ). 

We applied for, and were granted, a partial release of mortgage from XXXX. We were given permission to sell the parking spot, which we did. XXXX, in a very underhanded way, wound up keeping more than half of the net proceeds from the sale. 

Please update my mortgage documents to reflect that WE NO LONGER OWN THE PARKING SPOT under this mortgage. We have not held title to this property for more than a year. 

That means all the property taxes for the parking which that you paid to the City of New York on our behalf last year ( XXXX, as well as the parking spot property taxes from XXXX XXXX - XXXX XXXX ) are owed to us and should be returned to us. 



Also, DO NOT continue to pay property taxes on this sold property ( parking spot ) on our behalf. We no longer own it. 

If you have any questions, or need any additional documentation, please let me know. You can find all the documentation regarding this past transaction at the website for XXXX. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with MIDCOUNTRY FINANCIAL CORP (IN).
Issue: Problem when making payments

Complaint: I lost my job but I bought the insurance to pay for my payment in case that would happen. I talked to someone when they called and they said they could n't do anything about it. Also when I refinance my loan, they did n't take the principal amount to calculate the new amount but the whole loan ( with all the interest calculated in ) making the payment that much higher. Also it is confusing because on their webpage there is only the " full amount '' loan amount plus all interest. I feel that that is not right and some shady loan practices are afoot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (MN).
Issue: Incorrect information on your report

Complaint: Bayview loan servicing, not reporting our current mortgage status, we own our home, Bayview showing on our credit bureau history, we lost our home in s chapter XXXX Bankruptcy discharged on XX/XX/XXXX. We have been current with our mortgage, and due to an attorney error, s letter to reaffirm our mortgage debt was not filed withBayview, s letter of intent to keep this debt, as well as s car was filed. This error was not found by Bayview or myself till I pulled s credit report almost s year after Chapter XXXX was discharged. Bayview refuses to report to credit bureaus accurate information, due to the missing reaffirmation letter. We modified our mortgage XX/XX/XXXX We pay on time, but Bayview continues to show we lost our home in a chapter XXXX Bankruptcy! I have since sent them the copy of the reaffirmation of debt letter, my attorney is no longer employed with the law firm we used. I have sent all three credit bureaus, 10 years of payment history on our mortgage, deed, ad well as property tax statements. They will not change info on credit report. Bayview loan servicing, had recieved the documentation and continues to not report to credit bureaus. This is wrong.. they will not work with us due to human error. We pay our mortgage every month, have for years, but on our credit report Bayview shows we are not home owners! This is bad business practice. Our credit report needs to reflect that we are home owners and we pay on time. I have sent the reaffirmation letter to there company, but they will not acknowledge they have recieved it. They are a very disorganized company, and our credit is being destroyed. They need to correct our credit report, we did not lose our home before, during or after Bankruptcy. Our home and vehicle are exempt under BK laws. They new we had no intentions of losing our home. Bayview loan servicing are disorganized and take weeks or even months to handle complaints. I have been fighting to get our home ownership back onto credit file for almost three years.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: filed a bankruptcy XXXX XXXX XXXX ReAffirmed 2 mortgages EQuifax XXXX XXXX and XXXX Missing Payment history- previous payment history from my credit profile from both XXXX XXXX and XXXX XXXX have been removed. 
No current reporting for payments- XXXX and XXXX XXXX  refuse to report all payments made from date of reaffirmation which is XXXX XXXX to present All Previous on time payment histories from items included in bankruptcy have been removed XXXX and XXXX XXXX balances not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Medical) with First Federal Credit Control (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Debt collection company, makes harassing phone calls at all hours, applies misleading and incorrect representations of accounts, by posting the same account under different account numbers in excess of XXXX times to each credit bureau. refuses to acknowledge or verify debt is actually mine to the individual credit bureaus, under the laws of Identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I made a electronic rent payment as I have for a year. Ive done this for a year without problem but unusual acts on my account like online account would show funds paid then change when items were paid, including date, account balance, etc. I have overdraft protection so even if I didnt have money in account item would be paid. Also I would be notified by text that hasnt happened. This has been a common problem with someone inside bank clearly manipulating account at Huntington Bank. I want a complete audit and records of who has accessed to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed XXXX debts posted by this collection agency to my credit reports, as they are not mine. However, when I disputed them, the company re aged the debts and posted them to my report as if they were new. Please have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I was rejected from a car loan by SageStream. XXXX, XXXX were all high scores except. Sagstream. I ca n't understand why Sagestream is still allowed to moniter our credit, there are many other complaints about them also ' XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Credit card) with Taylor Law, PLLC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Taylor Law , PLLC, Located in XXXX, XXXX ( They represent XXXX , XXXX collection agency ) has filed/threatened to file a lawsuit against me over a Time Barred debt. The original agreement was with XXXX XXXX XXXX and according to their credit card agreement it is governed under XXXX State Law. The statute of limitations in XXXX is three ( 3 ) years, which expired in XXXX 2014, and places their suit in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Never lived in virginia

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief