milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (FL).
Issue: Received a loan you didn't apply for

Complaint: on X/XX/17, I received a {$400.00} deposit into my savings account from Riverbendcash.com. I never authorized this loan nor did I ever have any contact with them prior to the monies being deposited into my account. I called their customer service line and asked them to please reverse the deposit and take their money from my account and to block my account from any future deposits/drafts from their system. In addition, I requested how did they receive my information. The rep provided me with a phone number I use to have 10+ years ago and an email I had 15+ years ago. Under no circumstances did I ever request, authorize or consent for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Student loan (Non-federal student loan) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: have private student loan through american education services and XXXX. have been paying on this for 10 years and only {$300.00} has been applied to principle. filed this complaint earlier and have not gotten any response yet. they are harrassing my sister who co-signed loan and threatening to sue her. i dont hear anything from them. have asked repeatedly for copies of payments and how they were applied. i am only able to get from 2009 to now on payments from their website ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On X/XX/2017 I reviewed my credit report on XXXX XXXX, make a long story short I realized there were multiple inquiries that I never authorized. I 've contacted the companies regarding this matter and they all could not find any of my information. So I 've contacted Equifax about this and they refused to do anything about this. I 'm extremely frustrated as this has taken majority of my week to get resolved and Equifax is n't doing anything about it. I 've faxed a letter, mailed a letter and disputed on their credit reporting agency. This is my last resort to getting this resolved. I demand the inquires to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX XXXX and my daughters name is XXXX XXXX XXXX. We own a single home at XXXX XXXX XXXX, XXXX, PA XXXX at which we reside, XXXX XXXX. XXXX in XXXX XXXX. XXXX name is on the note from Wells Fargo XXXX. 
In XXXX of XXXX XXXX husband, XXXX XXXX, XXXX, and of course that lead to financial upheaval. 
I tried to help her as well as I could but had my own financial debacle in XXXX XXXX thru XXXX XXXX XXXX XXXX applied for a modification three times and appealed. The decisions on XXXX, XXXX, and XXXX were all denied. 
XXXX filed Chapter XXXX bankruptcy on XXXX XXXX, one day before an answer was due for due for foreclosure. XXXX refiled on XXXX XXXX, XXXX was dismissed on XXXX XXXX. 
We received Notice of Sheriffs sale for XXXX XXXX, XXXX. 
Our complaint is that Wells Fargo, et al. used deceptive practices to affect a foreclosure and sale of XXXX XXXX XXXX. They used dual tracking in violation of the XXXX XXXX XXXX XXXX XXXX. The assignment of the mortgage is void under the XXXX and New York State Trust Law, the SEC, and IRS regulations ( tax exempt status can be withdrawn if there are any irregularities in the assignment. The assignment was 8 years after the closing date of the trust in violation of New York State trust law. 
Exhibit 1 Information on trust law ; which verifies the assignment is void Exhibit XXXX XXXX Banks definition of Trustee Obligations ; Exhibit 13 Information on identifying fraudulent mortgage documents ; Exhibit 4 Fraudulent mortgage documents also void by XXXX XXXX XXXX ; Note to Exhibit XXXX XXXX XXXX is a known Robo signer- transfer ( assignment ) was made 8 years after Trust was closed, Exhibit 5 Information regarding a proper assignment with the Declaration on the bottom of the page. 
We have much more information : Start of Application for Modification ( XXXX of them ), XXXX XXXX Notice XXXX XXXX XXXX days after filing Chapter XXXX, Stay of Execution was not filed until 19 days after filing XXXX XXXX Chapter XXXX. 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX Same Address XXXX, PA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please call XXXX XXXX for more information or questions We need 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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Today XX/XX/18 my credit score went down XXXX points on my transunion credit report. There isnt any new negative information on my credit report that could cause this. When I called to find out why they told me that they couldnt give me a specific reason but to look at my credit report. I told them that there is no change to my report that could cause this. They told me they cant tell me why. This is insane.

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 09/18/2015 about Debt collection (Auto) with Wilber and Associates, P.C. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The insurance agency claims I owe the {$760.00} for a minor scratch ( not dent ) on a bumper. They sent a letter asking for money and stating, " Proof of damages will be provided upon request. '' When I wrote to them asking for them to provide proof of damages, they did not respond. Two years later, I get a letter and a phone call from Wilber & Associates, XXXX, Attorneys at Law. Again, I asked for proof of damage ( I have a photo that shows the bumper scratch ). W & A told me to pay or they would keep on contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: Scottrade : I am writing on behalf of my son, who was a former customer of Scottrade financial products. My son has been a victim of corporate green at Scottrade when his account got hacked and Scottrade refused to refund any of the stolen money. 

Today I am writing to express my concerns over Scottrade 's response to my son 's complaints. Recently, my son discovered that XXXX XXXX XXXX, a branch manager at Scottrade exposed my son 's personal information by accepting insecure emails. Roughly 10 days after the insecure email, my son 's account was hacked. 

My son has been trying to resolve this with Scottrade but Scottrade has resorted to harassment and will not respond to his complaints. My son asks simple questions and Scottrade responds in a manner that is dehumanizing.

Company response to consumer: Closed
Consumer complaint received 02/23/2018 about Debt collection (Medical debt) with Professional Finance Company, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Got call from XXXX XXXX on XX/XX/XXXX they said called from XXXX XXXX XXXX and just asked my date of birth with out disclosing why and for what they are calling so i had to hung the call. Later Received an letter on XX/XX/XXXX which was dated on XX/XX/XXXX mentioned that i Owe XXXX for XXXX XXXX XXXX XXXX So i Called them that i have paid in through my XXXX XXXX  on XX/XX/XXXX payment # XXXX through check and requested them to dispute it and send an confirmation mail that it is disputed and they are checking with Medical provider But the person in the phone was rude and mentioned that they would check with medical company but could not sent any letter or confirmation mail that it has been disputed and just disconnected the call ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Webcollex, LLC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A person by the name of XXXX XXXX called my work phone, which is not a direct contact line. When I returned the call they were asking me personal identity questions while refusing to identify why they were calling or who they were calling on behalf of. They were rude, and in the end threatened me and told me I had to make arrangements today to pay today. I had no prior contact from this agency called CKS financial. I also had not heard of the company they claimed to have received my file from, XXXX XXXX XXXX. When I responded that I was at work and could not take the time to handle this phone call, but would look for something from them in the mail, " XXXX XXXX '' told me I better call back on a break today. Again I repeated that I did not have the time to deal with the call today and again I was told I better call on a break. Then she said she would write in my file that I said I would call back today, I told her I did not say that, but she again said I had to call back on a break today.

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
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Accounts Research, Inc. (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from a XXXX XXXX who apparently works for Accounts Research out of XXXX, TN. He was attempting to collect a debt from a previous bank I used ( XXXX ). This was the most unprofessional and rude human being I have ever spoke with. He also claims he has attempted to call myselfand my fianc before, but we have no records of that ever happening. He also asked if I 'd received the letter about the debt and I said yes but before I could respond to tell him it was from the bank itself and not from a collection agency he was talking over me again making court threats and that he did n't care what my situation was. This company is not even BBB accredited and I do not like the fact that he has any of my information. This needs to be handled.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with Lockhart, Morris & Montgomery Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Upon careful review of my credit reports I found a collection agency attempting to collect a debt without providing me any written or verbal communication to dispute this item. I have no knowledge of this said debt nor did I open account with this company or the company they are trying to collect for. No contract.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt.  Below are a few questions, which may help you to resolve these mistakes.   <P/> You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.  <P/> In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a mortgage with Seterus, Inc., they are charging me a property inspection fee of {$15.00} every month that I just recently found out about. I do not know if this is legal this was not a practice that my previous mortgage company did which was citimortgage who sold my mortgage to Seterus. On my payoff quote it states that I owe {$690.00} in previous property inspection charges. This concerns me because I am towards the end of my mortgage payments. I have also requested an escrow analysis XXXX over the phone with Seterus , Inc. over the past 6 months and I still have not received one. They have no email address so I ca n't email them requesting one and they do not answer letters sent to their PO Box . What are my options in handling this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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: Disputed XXXX 2nd mtg that DOLA was XX/XX/XXXX. State of Washington SOL is 6 years for CRA to remove negative info. Got letter from CRA stated that XXXX had confirmed that DOLA was correct. I know it is correct DOLA, what I requested was that it be removed from my report, as it is time barred as of XX/XX/XXXX. Both other CRA 's removed this negative item from their reports as requested on XX/XX/XXXX. All I am asking is that Experian do the same as required by law in my state.If they continue with this show of disregard for the laws of my state of residence, what legal options do I have? I can not understand how other 2 CRA 's can do this with a simple phone call, yet these buffoons ca n't. PLEASE HELP!!! I am trying to refi my home and this is only item holding it up, I stand to lose the fee for appraisal if this continues much longer. Thanks for your 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 03/23/2016 about Consumer Loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Problems when you are unable to pay

Complaint: i have a loan XXXX the company states that I verbally gave them collateral ive missed XXXX payments now the company is calling threatening to have me arrested on a XXXX felony I get ssi as my only income

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/19/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: These inquiries in attachment should not be on credit report. i have attached an email I sent to a local ford dealer disputing this as well and advising them they should not have submitted my credit report to XXXX banks without my approval. 

Have you guys submitted my application to any banks today? I noticed you have pulled my credit. I hope you guys did not do a mass credit submit, if so I want those inquiries removed. Getting me approved by XXXX banks is not a good process. 
XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, I have spoke with other personnel in the management team to resolve your case. We have authorization and are currently working on it. 

When would be able to come in if it is possible? 

Best, XXXX XXXX XXXX Cities XXXX XXXX XXXX XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX XXXX To : XXXX XXXX Subject : Re : XXXX did n't forward my credit information? If I came in could I drive it home tonight? I know with my credit issues you would need a day to try to get me approved. I could come in the next 30 minutes but not to sit around. 
Do you need any info from me, did you get paystubs and ID theft statement? 
XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, Thank you for the reply. I will get with management about the vehicle, but if you could do me a favor. We are currently not authorized to look at your credit. We would need you to fill out our online credit application. The link is HERE. Unless you just wanted to come in and sign off on it. 

Please put my name as the Sales Associate. 

I look forward to helping you get into this truck! 

Best, XXXX XXXX XXXX Cities XXXX XXXX XXXX XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX XXXX To : XXXX XXXX Subject : Re : XXXX XXXX, I would do truck below if your still offering $ XXXX off. With $ XXXX down only would be financing like $ XXXX. 

VIN : XXXX XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, I apologize for not answering, my phone must have been receiving a call at the same time. I am getting with management to see if we need anything else and how we can help. I will get back to you as soon as have more information. 

Best, XXXX XXXX XXXX Cities XXXX XXXX Sales Consultant M : XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX AM To : XXXX XXXX Subject : XXXX : FMCC Information XXXX XXXX tried to call you back. I am still in the market and working on my ID theft has been slow on Experian and XXXX. 

Have about $ XXXX down and can get A-plan price. Based on FMCC info can you guys help? 


XXXX XXXX. 
Sent from my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed for bankruptcy and received a discharge in XX/XX/XXXX. I had a second mortgage with XXXX XXXX XXXX, which was listed on the bankruptcy schedules. Nationstar Mortgage has continued collection activities against me attempting to collect the discharged debt. Nationstar Mortgage has recorded this discharged debt on my credit report as late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other service problem

Complaint: Hi, My complaint is with coinbase. They closed down my account without giving me any details other than suspicious activity. Ive been emailing them multiple times for the last XXXX months with no resolution. 
Today, I contacted them twice by phone. After about XXXX in hold, I was connected with a rep name XXXX, and then was disconnected when she was looking into my account with a specialist. I immediately called back and after another XXXX, was connect with XXXX. Explained to him that I was just disconnected and then Ive been emailing Coinbase for over XXXX months but have gotten nowhere. I requested to speak with a supervisor and after a few minutes of push backs, he agreed. A few mins later, XXXX got on the phone. I explained to him that I would like some help in regards to why my account is locked due to suspicious activity. His response was, thats above my pay grade. I asked if theres anybody there that could help but he said no. And started to insult me. Coinbase doesnt want your business, you can do business with other XXXX companies! He sounded very hostile and I was schocked and appalled and for a few seconds didnt know how to respond to it. I asked him his last name or employee ID but he refused to give that information. XXXX repeated again, Coinbase doesnt want your business, you can take it elsewhere. Before I could respond, he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Non-federal student loan) with BlueChip Financial (MT).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX OF XXXX REPRESENTING A PAYDAY LOAN COMPANY SPOTLOAN STATED I WOULD BE ARRESTED FOR FRAUD IF I DID NOT MAKE SOME KIND OF PAYMENT. I CLOSED THAT ACCOUNT THAT THE ACH WAS COMING OUT OF DUE TO RELOCATION FOR PERSONAL REASONS. AND I WAS NEVER CONTACTED MY A DEBT COLLECTION COMPANY OR THE COMPANY ITSELF.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I submitted a request along with proper documents and information to Transunion to correct my personal information on file on  XXXX   XXXX ,  2017 . I recently received copy of statement for my credit report which confirms this information has not been updated. I contacted Transunion and spoke with a representative who stated that he could not correct this information but in fact I would have to contact all my creditors and have them to update this info  rmation when they are reporting me. As stated previous the documents that were submitted included my updated SSN information and an updated driver license to confirm my name change. My personal information is currently inaccurate and I would like to have this corrected.
<P/>
Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2016 about Other financial service (Debt settlement) with Student Services (MA).
Issue: Fraud or scam

Complaint: I am a victim of a student loan debt consolidation scam. I received information in the mail. I was informed that this company worked with the government and they had all my information. they offered to consolidate my loans and give me a low monthly payment. they had me submit tax returns and all of my personal info. one month I noticed a payment was not withdrawn and I called FASFA to discuss my loan amount and they informed me that this was a scam. the company went as far as contacting FASFA pretending to be me to set up an account. They scammed me for XXXX dollars and none of the money went towards my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief