milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2015 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, My grandmother and conservator, allegedly gave Wells Fargo Bank a reverse mortgage on a property that was held in an irrevocable custodial trust, ( by order of a XXXX Judge XXXX for my behalf. When she passed in XXXX XXXX, I discovered that Wells Fargo had indeed placed a mortgage lien on the property. I contacted them XXXX XXXX to inform them that the property had been previously placed in a irrevocable protective trust and that my grandmother did not have the authority to remove the custodial property from the protective trust without the Judge 's order, nor had I signed away my interest ( indefeasibly vested ) in the property. In XXXX XXXX Wells Fargo through their attorney agreed to pursue a title insurance claim in lieu of foreclosure on the custodial property. In XXXX XXXX, Wells Fargo sent me notice of foreclosure by sheriff sale. In XXXX XXXX I filed a complaint with CFPB. Wells Fargo responded that they had no notice of the irrevocable protective trust on the custodial property. XXXX XXXX, I recorded the irrevocable protective trust on the custodial property and the deed transferring the property to the trust, and mailed a copy to Wells Fargo and all interested parties. I requested that they release their lien against the custodial property, since my grandmother did not possess title nor authority to transfer the custodial property to Wells Fargo. In XXXX XXXX, Wells Fargo set the property for Sheriff Sale without giving new notice. In simple, Wells Fargo is a attempting to foreclose on a property based on a mortgage that is invalid and fraudulent. They are well aware, yet they proceed with the foreclosure because they believe they can get away with it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was vacationing in XXXX XXXX when I had fraudulent charges occur on my credit card in Wisconsin USA, I have never visited that state in my life

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (DC).
Issue: Loan modification,collection,foreclosure

Complaint: Please see attachment. Select Portfolio is making a claim that it represents my creditor. They claim there is an assignment that took place by XXXX assigning my note to some Trust. They never sent me a copy of the assignment. Please help me get understanding and to get them to send me proof of an assignment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX XXXX in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX  ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.

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 04/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I claimed bankruptcy last year and bills are from the year before. They should have been discharged

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 06/15/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this account with Experian on several occasions as well as filed a complaint being that the account is reported wrong. This account in not included in bankruptcy as it is currently reflecting on my Experian credit file as a negative information. I contacted the company which is XXXX to inquire as to why they are reporting inaccurate information. The company mailed me a letter as to what they are reporting to the credit bureaus. This goes to show that Experian has not correctly investigated my disputes. Attached is a copy of my credit report and a letter from the agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The representative requested my full Social Security number over the phone. XXXX ( requested that I repeat ). 

Further, I was informed that the company would not send correspondence regarding my account information with a firm NO. When I requested to know why the company could not send information in writing, I was given a nonsensical answer.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Accounts : XXXX XXXX {$350.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$450.00} XXXX {$1400.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$730.00} Thank you for reviewing this and getting these items off my report immediately. Sincerely, XXXX XXXX XXXX XX/XX/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 09/15/2016 about Debt collection (Credit card) with Convergent Resources, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not owe this debt. Any further collection letters and/or calls will results in taking legal action against this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I received a letter from the debt collection company named " Transworld Systems , Inc. '' ( XXXX XXXX XXXX, XXXX, PA XXXX ), claiming that I owed to XXXX XXXX of XXXX {$440.00}. 

On XX/XX/XXXX, I wrote a letter to Transworld Systems with a copy to the XXXX XXXX XXXX stating that I already had paid the alleged debt. I enclosed with my response information of the electronic payment that I did ( confirmation number ) and notified that the equipment was pickup by a XXXX employed on XXXX XXXX, XXXX. ( Please, see Exhibit XXXX ). 

A few days later, on XXXX XXXX, Transworld sent to me a XXXX letter alleging that the same debt mentioned before was unpaid. I responded again that I already had paid the debt and that the equipment was returned, so, no balance was pending. I also asked for a cease and desist of sending to me their collections letters. ( Please, see Exhibit XXXX ). 

However, on XX/XX/XXXX, I received a XXXX collection letter ( dated XX/XX/XXXX ) alleging that the same debt was still unpaid without any consideration to the letters and supporting documents that I previously submitted demonstrating that I paid the alleged debt in full since XX/XX/XXXX. 

These insistent and continuously submissions of letters asking for a non-existence debt are obviously an illegal harassment against me. So, herein I am asking from the " Consumer Financial Protection Bureau '' their protection of these XXXX companies ' illegal harassments ( XXXX XXXX and Transworld Systems , Inc ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently refinanced with XXXX. The mortgage company servicing the loan is Shellpoint Mortgage Servicing XXXX Inc. XXXX months after my re-finance, ShellPoint raised my mortgage from {$1200.00} per month to {$2000.00} due to an " escrow shortage ''. They believe that my school tax had risen from {$3000.00} per year to over {$9000.00}. After contacting them several times and providing clear information about what the school tax actually should be, they still have yet to fix the issue, nor can they provide me with the actual bill that states {$9000.00}. I 'm running out of time before my payment is late this month, but I do n't have {$2000.00} to pay every month for my mortgage. I tried getting this fixed last month and it still has n't been fixed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have dispute an item with Transunion. That item is XXXX, XXXX XXXX XXXX. Each time they send me the results, they say this item is verified. However, they do not attach any proof of the verification to my results or credit report. In addition, they do not attach how they actually verified this item and they are supposed to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: FedLoan lost the paperwork that I sent in for deferment since I 'm still in college. I contacted them by email and told them that I 'd already sent in the paperwork. They sent me a canned response telling me that I could get a deferment in several ways, including educational deferment. I responded that I was in college in and had sent in the paperwork and they sent the same canned response. So I responded and said that I would mail in the paperwork with signature required so I would have proof that they received it and they responded with the same canned response. I emailed that they should get with a manager to work out how to properly deal with consumers and received the same canned response. In an attempt to get a human response, I emailed that a response that repeated what had been said before would grant me permission to post all communications on the Internet and to release all communications to demonstrate FedLoan 's competence. I received another canned response, so will use all the of the emails as I see fit. I responded, stating very specifically that this had stopped being about the deferment the minute I said that I would mail the paperwork with signature required and that my concern was now with how trustworthy the organization is. It 's clear that this company knows that they can get away with treating loan holders horribly. They do n't have to care about reading emails. They do n't have to do anything but copy and paste, because they do n't have to worry about losing what gets them paid. They 're horrible people and if they were trustworthy, they could have responded directly and made it clear that they cared about my wavering ability to believe that could properly handle my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: Bank of America charge me, {$140.00} in overdraft fee 's. Bank of America had me signed for tex, and email messages to alert me of any low balance so i was able to replenish my account. As of XX/XX/2017 i checked my balance was XXXX cents, Today XX/XX/XXXX i found the overdraft. i never was alerted as prior times.I 'm XXXX, i spoke with the bank and they said it came in at closing time, how convenience for them.

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 05/24/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  X/2016  I a m not sure how this happened, I believe that I had made my payments to you when I received my statements.     I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: I am dissatisfied with American Express. My issue is that XXXX XXXX delivered to me a defective sectional sofa. Also, after countless attempts to resolve the issue with them, I tried working with American Express to be my advocate, as I am a long standing customer of theirs. I have had XXXX billing disputes with American Express and they have not resolved this issue for me. Please note that American Express does not seem to want to fight for me as their customer. They do not read all of the documents that I have submitted to them explaining my issue. Please see the full details in the attached " CFPB Letter XX/XX/2016 '' Word document that I uploaded in the " Step 4. Product Information '' step.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: I am not able to make a mobile check deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: NelNet is incorrectly reporting a past due student loan. Attached are screenshots making it crystal clear their errors. I consolidated my " NON DEFAULTED PAID IN FULL THROUGH CONSOLIDATION LOAN '' loan to XXXX XXXX onXX/XX/XXXX ( see gov bank end shot ). NelNet is reporting a past due collection for this same loan on my credit report with 180-day lates XX/XX/XXXX. NelNet is incorrect and never updated their systems with this loan like my other loans were.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: After direct deposit was made debit card and checking account was closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I filed a CFPB report on Equifax due to them reporting incorrect addresses on my credit report. These Georgia addresses were reported while I was ( and am ) still living in Illinois. I provided Equifax with my identity theft report as well as my Illinois drivers license. My license showed that I not only was living in Illinois but even renewed my license during the time period the Georgia addresses were reported. Via CFPB filing XXXX, Equifax shows that they deleted those Georgia addresses. Unfortunately 2 fraudulent accounts still remain on my report. The accounts are XXXX  accounts. The company even sent me a letter addressing the fact that the person they were looking for lived on XXXX XXXX in Georgia. I want these 2 accounts removed from my credit report. They are only reporting on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NC).
Issue: Unauthorized transactions/trans. issues

Complaint: Have not be able to access direct deposits in more then 14 days customer service rep claim that they do n't have access to members account and will not be able to assist you and are taking your number down. This all started two weeks ago with a system update that was only suppose to take two days. I have had a account with rushcard since XXXX this is total unacceptable. I have been working for free this past week I have no way to buy for get to work pay bills or take care of my kids.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (RI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: When booking a flight through XXXX, I was subjected to a misleading booking incurring charges that I did not approve before clicking the box to buy the airline ticket. After the ticket was bought they charged my credit card {$70.00} in addition to the flight tickets??
When I brought this to the attention of Discover Card, they gave me a hassle and the next day sided with their much bigger " client ''. Everyone knows that XXXX has the best record in protection consumers from fraud or misleading selling practices, and apparently companies like Discover could careless, and need to be called out XXXX is lying to them, saying I approved their " travel related assistance ''. This is XXXX. We were booking a flight just like on any other online sight, then they declare they are a travel agent? They should spell this out up from and itemize their fees to consumers because we select " Buy ''. Because if you read all their poor reviews, BBB and many others, when you see their fees after booking and go to cancel ( within 24 hours ) they charge you a cancellation fee and change flight fee. They also intentionally book wrong days ( did it to me last earlier this spring..I thought it my fault until I read other consumer reviews ) I am saying as a consumer they need to disclose their fees up front, especially the " travel assistance fee which is vaguely hidden, but vaguely disclosed under the terms and conditions. This was not asked for nor was it approved. These companies are very sneaky with very confusing websites, done intentionally I 'm sure Discover has customer service attendants that do n't have to common sense to analyze and see deception and miss-leading consumer practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/15/2016 about Debt collection (Payday loan) with BlueChip Financial (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Had taken out a loan with Spotloan XX/XX/2016. I stopped paying on the loan because I no longer could afford the payments. After consulting with an attorney, she suggested that I file a complaint against this company for violations of the FDCPA and Rosenthal FDCPA as she determined that this company along with his prior collection companies, engage in serious collection violations which has caused me and my family a great deal of distress. The individuals representing this company bullied and intimated me as well as called me on numerous occasions threatening legal action, wage garnishment, etc. if I did not pay this debt and refused my requests to contact my family members, called me a " deadbeat '' and other defamatory comments and threatened to continue to call my family members despite my request until I paid the debt. I also received multiple calls from their " process server '' who called me as well as my family members threatening to serve me with papers even though no law suit was currently pending. The collectors left messages with a case number which did not exist in the court system according to my attorney. In addition, my family members were repeatedly called by this company even though they knew how and where to reach me. The distress over the repeated contacts, threats and harassment to me and my family coerced me into making a {$200.00} payment last month that I could not afford. This whole incident finally led me to contact an attorney to represent me in this matter and who also directed me to file a complaint with the FTC as it is her opinion that this company engaged in borderline criminal and unlawful debt collection tactics. I 'm filing this complaint in the hopes that this company can be stopped and put out of business so as to not put any other people in the situation that they put me through.

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 12-06-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: Other

Complaint: I have disputed with Capital One with the bureas neither the bureas or Capital One put the account under dispute on the credit reports. Violation of FCRA. I have forwareded this to my lawyer for further review.

Company response to consumer: Closed with explanation