milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2015 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Settlement process and costs

Complaint: XXXX ENGAGED IN UNFAIR PRACTICE AND PATTERN TO DENY US FAIRNESS AND JUSTICE. THE XXXX COMPANIES HAVE MADE SEVERAL FALSE STATEMENTS AND PATTERNS OF OBSTUCTUIN OF JUSTICE. : " INDENPENCE FORECLOSURES REVIEW '' AGREEMENT HAVE BEEN VIOLATED FOR ( {$10.00} ) ... XXXX AGENTXXXX XXXX PREPARED A BREACH AGREEMENT FOR XXXX XXXX, XXXX XXXX XXXX XXXX FHA XXXX XXXX WITH ' '' UNCLEAN HANDS '' AT 5.875000 % .FALSE AND MISLEADING. 
AGENT XXXX XXXX OF SELECT POTFOLIO SEVERING, INC. WERE EMPLOYED AS SEVER WITH " '' UNCLEAN HANDS '' '' THE CONTRACT IS " NULL AND VOID '' AND " MOOT '' .THE CONTRACT VIOLATES THE " GENERALLY ACCEPTED ACCOUNTING PRINCIPLES ( GAAP ) ,18 U.S.C.///926C , FEDEERAL CRIME VICTIMS RIGHTS ACT ( CVRA ) TITLE 18 U.S.C.//3771, MANDATORY VICTIMS RESTITUTION ACT ( MVRA ) 18 U.S.C.//3664 AND THE FEDERAL MONDATORY TO VICTIMS OF CERTAIN CRIMES : TITLE 18 U.S.C.//3663 ( A ) ..IN A SIGNED AGREEMENT WITH THE UNITED STATES OF AMERICA ( DOCKET XXXX ; XXXX AND NO : XXXX ... MAKING US A VICTIM UNDER THE ''DEBT PEONAGE '' AND ''INVOLUNTARY SERVITUDE '' ACTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015 I CLOSED my Bank of America credit card account. On XXXX XXXX, 2015, and XXXX XXXX, 2015, Bank of America accepted and posted charges to the CLOSED ( statement attached ). I called Bank of America on XXXX XXXX, 2015 and spoke with XXXX XXXX who identified himself as a supervisor in the dispute department. I informed XXXX XXXX the account is closed and I also informed him that no company is authorized to post charges to the account. XXXX XXXX refused to accept a dispute of the charges and advised Bank of America will continue to post these charges to my CLOSED account. He further advised that it my responsibility to work with the vendor to have the charges stopped. I repeated my statement to XXXX XXXX that the account is closed and as of XXXX on XXXX XXXX, 2015, Bank of America has been informed that no company is authorized to bill the this CLOSED account. XXXX XXXX again refused to accept the dispute and again repeated that Bank of America will continue refusing to honor the closing of the account and will continue accepting these charges and posting them to my CLOSED account in spite of being advised the charges are not authorized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: I signed up for an American Express Platinum Card, with a link that said that I would receive XXXX XXXX points after meeting the minimum spend of {$3000.00}. 

I did that, legally and legitimately, but they would not let me use my points afterword. 

At some point they told me that my account was under a 6-8 week 'review ' which started after meeting my spend ( it was in XXXX ). 

It has now been 11 weeks, and they will not let me use my points, and they will not tell me why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I had sold my home, which had a loan serviced by Wells Fargo Mortgage in XXXX of XXXX. The person I sold it to had fraudulently misrepresented himself and did not pay off the mortgage. When I realized what had happened, I contacted Wells Fargo and reported the problem. They said they would look into it. A few months went by and nothing had happened. I then found out the FBI had arrested the " Buyer '' and charged him with mail fraud, related to the scamming of dozens of homeowners out of their homes. I contacted the XXXX and gave a statement, in which I was then entered as a victim to the crime. During this process, I was passing all of this information to Wells Fargo, XXXX Office of the President. Many more months went by, where Wells Fargo claimed they were looking into the issue. 

Finally, In XXXX XXXX, Wells Fargo made a determination. Unfortunately, they determined that the case was not related to fraud. I had asked how they made this determination prior to the courts and no response was given. 

In XXXX of XXXX, I received a copy of the judgment and restitution for the XXXX. A judgment was issued to Wells Fargo for the balance of the mortgage to be paid by XXXX XXXX. I spoke to the Victim Witness Coordinator who also sent a letter stating that I was not responsible for XXXX actions. 

After receiving the documentation, I contact Wells Fargo again and asked them why they foreclosed on a house they received a judgment for. That was in late XXXX, XXXX and it is now the middle of XXXX, XXXX. More than a year of asking Wells Fargo to look into this issue and nothing has happened, except for the destruction of several families lives and credit.

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 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My creditor, XXXX XXXX, refuses to correct my credit file. My creditor XXXX XXXX has mishandled my account file as it pertains to my credit. My self and spouse applied for a mortgage with XXXX in XX/XX/XXXX. XXXX ran my credit report the same month, approximately XX/XX/XXXX and advised me of a late reported XX/XX/XXXX. XXXX hired XXXX XXXX to validate this, as I advised I had not had a late payment. On XX/XX/XXXX XXXX XXXX representative, XXXX XXXX contacted me and we had a conference call with XXXX XXXX Rep., XXXX. XXXX was asked by XXXX if my payments were current, If I had any late payments in the last 12 months, the balance amount on my account, last payment and next payment due date. XXXX advised XXXX that I had not had any late payments in the last payments in the last 12 months and my last payment was XX/XX/XXXX and next payment was due XX/XX/XXXX. I had been paying every 2 weeks  even through my due date was XX/XX/XXXX of the month. I have been in contact with the credit bureaus to file a dispute. I provided them with the XXXX XXXX documentation of the call that verified no late payments. I provided the same information to XXXX XXXX. They denied the call was made to them, denied the employee XXXX verified the information as well. : What company is this complaint about? XXXX XXXX. : Who are the people involved? 
XXXX XXXX from XXXX XXXX  XXXX XXXX XXXX / XXXX XXXX from XXXX XXXX XXXX XXXX XXXX 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 12/13/2016 about Debt collection (I do not know) with Platinum Holdings Group, LLC (AE).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Platinum Holdings is attempting to collect a zombie debt by claiming that the debt I supposedly owe does not fall under the FDCPA statute of limitations. They have been calling my siblings due to my being out of the country. I called and spoke with XXXX and she proceeded to tell me that since it was a debt owed to XXXX, it falls under a " precious metals contract '' and has no statute of limitations. When I stated that I did not acknowledge the debt and wanted documentation proving the debt in order to seek legal advice, she refused to send me the documentation. She is now saying that their counselors will be proceeding with suing me even though I have not received any documentation. At. All. from them. She stated they were sent to my old address and it did n't show in her system that I had received the documentation. That 's because I never received anything from this company in any way, shape, or form which she well knew! Once I stated I did not acknowledge the debt, she proceeded to speak over me and got hostile. This is a debt that is over a decade old that they say I owe but refuse to prove that I do indeed owe. She refused to send me anything since I do not acknowledge the debt. This is a debt that does n't exist on my credit report! So there is no legitimate claim that I legitimately owe. She refused to send me anything after I refused to acknowledge the debt. I asked her for her agent number and credentials and she gave me her extension number ( XXXX ) instead saying that she is not an agent and has no credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (KS).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have a Barclay rewards card. Twice now they have lowered my available credit without notifying me. Both times they lowered the available credit to within a few hundred dollars of the amount owed causing a balance to credit limit ratio creating a negative effect on my credit. I have not used the card in over a year and have had payments taken out automatically to pay down the balance. They claim the can do this. Really? 
I am being punished for nothing.

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 04/30/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from Ocwen 's Office of the Consumer Ombudsman. In the letter it is stated that " The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. '' How does Ocwen 's Office of the Consumer Ombudsman intend to provide assistance with unresolved concerns and issues if it follows the same script as Ocwen 's Customer Services and Ocwen 's Research Department? Should it do any of the research on its own or just repeat what the other XXXX offices are saying? 
It is also stated in the letter that " On XXXX XXXX, 2015, Ocwen received {$3300.00}, although it was {$0.00} short of the amount due ( {$3300.00} ) the funds were applied as the XXXX XXXX, 2015 payment. '' This is the same incorrectness as stated by Ocwen 's Research Department and the Escalation Managers in Ocwen 's Customer Services. 
Attachment 1 : my bank statement identifying the amount of the payment on XX/XX/XXXX was {$3300.00}. 
Attachment 2 : copy of my check to Ocwen dated XX/XX/XXXX for {$3300.00}. 
Attachment 3 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having received two payments from me on XX/XX/XXXX. One in the amount of {$1000.00} and another for {$2300.00} ( which by the way equals {$3300.00} ). 
Attachment 4 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$2300.00} and {$0.00}. Along with two other transactions from XX/XX/XXXX and XX/XX/XXXX. 
WHAT HAPPENED TO THE OTHER {$1000.00}? 
Attachment 5 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with seven other transactions from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Attachments 6 & 7 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the payments from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with eleven other transactions from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit card protection / Debt protection

Complaint: In XX/XX/XXXX i had a previous social security number card ending by XXXX where the social security got my information wrong.The first name appear as last name and last name as first name and the date of birth was also wrong. ( XXXX/XXXX/XXXX ) .I went to the social security office to correct the mistake, instead they assigned me a new number with my right information ending by XXXX.Since XX/XX/XXXX to present that 's the only i am using to work and apply for credit card with XXXX, XXXX, and capitalone.The previous card ending by XXXX has been surrounded to the social security office for cross reference and retirement.I am filing complaint against capitalone because i am so concerned about how they handling my personal information, starting with sms and email they addressing to XXXX instead of XXXX XXXX.I do n't know why it cause a problem to send email by using my entire name XXXX XXXX.I would like to verify the social security number capital one has on file.And also recently they have mailed me a replacement cards with the chip already been activated.I should be the only one to activate this product by using the last XXXX digit number of my social security number if it was n't any problem.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has on my credit report date open from Wells Fargo on XXXX XXXX but first reported on XXXX XXXX and 72 months fin but on the other loan that was transferred open XXXX XXXX but first reported XXXX XXXX 72 months in which the loan was not finance on 72 or 73 months it was 60 Months There was no {$2000.00} written off as stated on my credit file. And how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with XXXX XXXX there is a charge off of {$1900.00} XXXX showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XXXX/XXXX/XXXX delinquency 120 days but closed XXXX/XXXX/XXXX last payment made XXXX/XXXX/XXXX XXXX closed out Loan as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
Wells Fargo does nothing but report wrong information and has all different amounts of years showing on my credit file.

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 10/26/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: There is an ongoing dispute between myself and Wells Fargo & Company regarding the following:

1.) The failure of Wells Fargo & Company to provide identity theft protection services as advertised in their account contracts; and,
2.) Wells Fargo & Company's violation of consumer protection laws such as the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, as well as their state equivalents.

I am writing to request Wells Fargo & Company provide me with papers, documentation, and instructions on how to resolve this dispute via arbitration. It is my understand that Wells Fargo & Company forbids the use of public and fair jury trials or public courts to resolve these issues and I would like clarification.

Sincerely Yours,
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After changing jobs in XXXX XXXX, I took a considerable paycut ( former yearly salary of XXXX and current yearly salary XXXX ). I attempted to decrease my monthly payment, as I was already enrolled in an income driven repayment plan. Navient told me there was nothing I could do to change my plan until my taxes were completed in XXXX. I paid XXXX extra a month from XXXX until XXXX. Once i got my taxes done, Navient repeatedly gave me the run around with which form to use and the timing of the form. Everytime i called a rep would tell me i filled out the wrong form, and to try this form, only to call back and have them have me fill out forms i had already completed and sumbitted. After I had filled out ( and had my husband cosign ) pretty much every income driven form on the website, they started telling me the timing of the form submission was wrong. The result was me paying XXXX extra a month for a total of 8 months in XXXX, in addition to all the extra paid in XXXX and XXXX. My submissions for a new plan started in XXXX, my new income was not reflected until my XXXX statment. I thus was forced to pay extra on an income driven repayment plan from XXXX XXXX until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Home equity loan or line of credit) with LoanCare, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I made my XX/XX/XXXX mortgage payment. At the end of XX/XX/XXXX I made my mortgage payment for XX/XX/XXXX. Everything was fine until about XX/XX/XXXX when I started receiving late notices. I did some research and found that LoanCare had applied my XX/XX/XXXX payment towards XX/XX/XXXX. So instead of recording XXXX separate months payments as they should have they showed XXXX payment for XXXX. I called and got it resolved without issue. I was assured that this was their mistake and it would not affect my credit score. I have filed a dispute with XXXX with LoanCare but they refuse to change the late. The account was never late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: My FHA loan was previously owned/serviced by XXXX, and has been sold to LoanCare. I am a XXXX years old, XXXX, female that has applied for a loan modification with XXXX ( of which I am quite concerned there may be unauthorized default rates and charges ), which did not transfer over, I then had to re-apply again for a loan modification with LoanCare. I have diligently supplied all my financial documentation along with all of my daughter 's ( non-borrower contributor ) financial information, however LoanCare has denied my modification application with no explanation, figures or breakdown. I believe they are deceptive, and cut many corners. I have attached their response to my application, where there is no reason stated for my denial. How do I know they have calculated our income and expenses property. I have an FHA loan, there are certain guidelines they must follow, ( which I have researched extensively ) there is no way to see if they have accurately processed the application, because they did not supply a figure breakdown. This is outrageous, I have owned this property since 2001 and am a senior citizen XXXX female. I do not  want to lose my home. I have done the calculations and I DO qualify. LoanCare has failed to provide accurate calculation of ineligibility. I believe they are acting in BAD FAITH and have IMPROPERLY denied my application for a loan modification.

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 06-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: Five years ag o we entere d a Chapter   XXXX  Bankruptcy agreement in an effort to retain our existing home. The agreement involved making our monthly payments and we did. In  XXXX  ou r Chapter   XXXX  was official ly discharged. We proc eeded to pursue to refinance with an alternate lender  b/c Wells Fargo was a  terrible business partner and rigid. As we proceeded to refinance, a payment history was requested by our retained lender and consistently reported the account as not current. The payment history reflected  XXXX  not current-which was n't the case. After callin g Wells Fargo for h elp, I was informed that I need to request a review in writing and faxed-which I did on  XXXX . I was informed that I would have the completed review by  XXXX  and still have n't received the full reconciliation of the payment history. Today  XXXX , I called to inquire where this request was and was informed that it would not be done until  XXXX . Why if all payments have been received does it take almos t one mon th to figure out how much of my money they have received and provide me a true accounting. This has significantly impact my current refinance attempt likely increasing the interest rate and lots of wasted time.

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 monetary relief
Consumer complaint received 10/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: . I submit a Letter Of Validation to Midland Credit Management. To provide me with the following : Agreement bearing my signature, or contract, valid copies of the debt agreement. A complete payment history on this account along with an accounting of all additional charges be assessed? Anything stating I have agreed to assume the debt. As of this date, I have n't received copy of the alleged letter verify information provided by the seller. Midland Credit need to provide all documents to myself and Bureau of Consumer Financial Protection. Midland Credit has n't response to my Letter of Validation. Midland Credit, have n't removed anything from my Credit Report, they only requested that the XXXX Credit Bureau place account in " Disputed '' is the letter shows. The response notice was n't what I demand from Midland Credit, I am sending the response notice to show the inaccurate of Midland Credit, in my request. I demand Midland Credit send documents showing there accurate of this account number : MCM : XXXX. Originally Creditor XXXX, Originally Account : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Consumer Loan (Installment loan) with M&T BANK CORPORATION (MD).
Issue: Taking out the loan or lease

Complaint: I experienced discrimination during the application or approval process.

Company response to consumer: Closed with explanation