milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My Mortgage lender lied to the court in a foreclosure proceeding. They stated to me, the borrower, that they were reviewing my loan modification request. Instead, every time I call the Mortgage Lender ( NationStar LLC ), I am transferred from representative to representative without getting an answer to the complaint filed with CFPB. 
In particular, NationStar LLC lied to the court in a foreclosure proceeding against our home and fraudulently obtained the title to my property. With the title on hand, Nationstar LLC sold my home to a third party without my knowledge. 
Since the law now protects innocent third parties, the judge decided to side with Nationstar LLC and we were given XXXX days to move out of our home. However, the third party buyer in this case is not an innocent home-buyer, it is a subsidiary of Nationstar LLC. In addition, NationStar was to provide a response to our initial complaint on this case and instead has filed frivolous paperwork with CFPB extending the deadline to file a response so that we are left with only one week to vacate the property. We have tried on various occasions to work out a loan repayment plan but NarionStar has refused to work with us. On XXXX XXXX, 2015, I called NationStar to request a response to our complaint. I spoke with XXXX customer service representatives and XXXX accounts resolutions specialist before I finally reached XXXX XXXX badge number XXXX ). I demanded a response to my complaint to which she read me the letter from NationStar dated XXXX/XXXX/2015. In that letter NationStar claims that they are reviewing my complaint and that the NEW deadline for them to send me a response is XXXX/XXXX/2015. Since we are " required '' to move out by XXXX/XXXX/2015, we will not have enough time to make arrangements with only XXXX days notice from their response. In the CFPB guidelines it states that the lender is to provide a response to our complaint within XXXX days. Clearly, NationStar LLC is evading their responsibility to answer our complaint. As of XXXX/XXXX/2015 I have not received a verbal or written response to my complaint from NationStar LLC. Again, I spoke to XXXX at Nation Star LLC. XXXX 's badge number is XXXX and her mailing address at NationStar LLC is XXXX XXXX XXXX XXXX, TX XXXX. The phone call was made at XXXX XXXX XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: Hi, I applied for a Wells Fargo Platinum card requesting a {$16000.00} credit limit and {$11000.00} in balance transfers. After my application was submitted, Wells Fargo responded with an offer for the card with a {$7500.00} credit limit and smaller balance transfer amounts. I didn't want those terms, so I refused to activate the card. However, Wells Fargo still processed a balance transfer for a lesser amount that I did not request or want, charging me {$210.00}, and debited the card I had not activated. 

I called and spoke with multiple people, but no one could explain why a balance transfer for an amount I didn't request was made on a card I didn't activate. The company said I could request a refund after I re-transferred the balance back to my old card, incurring another nearly {$300.00} in transfer fees from the other card.

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 03/17/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX Nationstar Mortgage LLC wote to me advising that I was approved to enter into a Trial Period Plan for a Streamline Modification. I completed the trial payment plan which consisted of trial payments of {$1200.00} due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I signed the loan modification agreement before a notary public and mailed it. On or about XX/XX/XXXX I went to the Nationstar Mortgage website to make a payment consistent with the loan modification agreement but was unable to do so. I contacted NationStar Mortgage and was advised that the loan modification agreement was still being processed which was why I could n't make a payment. On or about XX/XX/XXXX, I logged on to the Nationstar Mortgage website to attempt to make a payment consistent with the modification agreement. The website stated that my loan modification was denied. I spoke to XXXX XXXX. She informed me the modification was denied because the Notary Public crossed out the co-borrower 's name. On XX/XX/XXXX I received a letter from Nationstar Mortgage stating it sent me a letter providing me with the decision on my modification review but omitted that the decision was based on the eligibility requirements of XXXX Investors. I never received any letter informing me of the modification denial. On XX/XX/XXXX, I appealed the modification denial as outlined in the XX/XX/XXXX Nationstar Mortgage correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Medical debt) with Capital Accounts, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX 2017, Capital Accounts began reporting a medical debt to my credit from XXXX XXXX XXXX XXXX. This was shocking to find on my credit for a number of reasons. 1- I am insured, so there should be no debts owed to the doctor. And I certainly did n't know they thought I owed them anything, as I never received a bill. Otherwise, I would have handled the mistaken debt with them directly. I dont even know who XXXX XXXX is. 2- When I looked up Capital Accounts to make sure they were a legitimate company, and not one of the scammers that have become so prevalent of late, I discovered that they are n't licensed to collect debt in Florida . Both the doctor and I are both in Florida, so I 'm honestly not sure how it 's possible for them to be reporting a debt they are n't even allowed to collect. Though it may explain why I never received notification from them prior to the account being reported to my credit for non-payment. 3- The amount I supposedly owe keeps changing. When I look at the reported balance history on my XXXX report, the amount increases a couple of dollars each month. Is interest being added? Or has Capital Accounts decided to tack on fees for the debt? I did n't think that was allowed.

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 12/21/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Sometime in XX/XX/XXXX, I visited the XXXX XXXX store in XXXX Arizona. As I was paying for my {$24.00} store purchase with my debit card, the store representative said I could save some money by staring a XXXX card, so I agreed. I recall completing my purchase and being told the card would be sent to my home. What I was not aware of was that the XXXX store charge for {$24.00} that I thought was incurred on my debit card was actually incurred on my XXXX card, one that I had not even received. By early XX/XX/XXXX, I had relocated to XXXX XXXX due to my job and signed a lease for my permanent residence in XXXX XXXX ( see attached lease copy ). So I was not at my address to receive any notices XXXX sent, in addition, I never even received the XXXX XXXX card, and was not even aware of its existence. 
I became aware of the situation when I checked my credit report showing that XXXX XXXX is reporting me charged off. I immediately called XXXX who referred me to XXXX XXXX XXXX, with whom I paid the account in full. I have sent letters to XXXX XXXX and filed a complaint against them with the BBB ( complaint ID XXXX ) and XXXX XXXX responded saying " Unfortunately, we are unable to purchase XXXX XXXX XXXX XXXX Credit Card account from Portfolio Recovery Associates ( PRA ) because the balance has already been paid in full. We have forwarded his concerns to PRA and have requested PRA delete the trade line from XXXX XXXX XXXX credit bureau files. '' last XX/XX/XXXX. 
Portfolio Recovery is saying that they did not receive any instructions from XXXX XXXX with regards to deleting the account from my credit report. Last XX/XX/XXXX, XXXX XXXX, from the Office of the President of XXXX XXXX, emailed me saying, " I will be reaching back out to Portfolio Recovery Associates ( PRA ), with regard to the matter. Once I receive a response from PRA, I will mail a formal written response to you. ". Portfolio Recovery Associates still is reporting the account even though the original creditor admits that they 've made a mistake. XXXX XXXX even Deleted the account from their end as stated in their BBB response. Please see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Convergent Resources, Inc. (GA).
Issue: Fraud or scam

Complaint: Someone stole my identity downtown XXXX and they was using my name to order different things get an apartment and they spent all the money on my debit card and credit card

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 12-01-2016 about Mortgage (Home equity loan or line of credit) with ZIONS BANCORPORATION (CO).
Issue: Application, originator, mortgage broker

Complaint: My spouse and I recently ( XXXX ) purchased a home through a mortgage broker. After the loan closed, my spouse inquired with the mortgage broker about a home equity line of credit ( HELOC ) on our home. The mortgage broker said his company had a relationship with Vectra Bank and would forward the information to Vectra Bank. I was aware that my spouse was wanting to do a HELOC but I did not want to be on the loan. In XXXX 2016, I received a letter in the mail from Vectra Bank showing they ran my credit report and what my credit score was. My spouse and I did n't know why they ran my credit when I did not apply for a loan. I did not contact Vectra Bank at that time, I just assumed they were requiring me to sign on the loan. On XXXX XXXX, 2016 I received a call from the lender at Vectra Bank regarding the HELOC and that they might be able to give us more than was requested. I asked him why they ran my credit report when I did not sign anything allowing them to run my credit. I told the lender I was not wanting to be on this loan. He said he would look into it and call me back. When I talked to the lender the following day he said I would not need to be on the loan because my spouse would qualify without me. The lender was not able to answer my question as to why they ran my credit when I did not apply for the loan. The lender also said they could not remove the inquiry on my credit. On XXXX XXXX, 2016, I received a Notice of Action Taken and Statement of Reasons. The letter said my application for credit dated XXXX/XXXX/2016 was not able to be approved because the value or type of collateral was not sufficient and they had a counter-offer. 
My complaint is I never applied for credit with Vectra Bank. I did not complete a loan application and they do not have my signature saying I authorized them to pull my credit report. The lender knew this mistake and sent me a denial letter when he knew I never applied for a loan. I believe Vectra Bank violated at least three regulations : FCRA - for not receiving my authorization to pull credit and for not having a permissible purpose to obtain my credit report. They did not have a permissible purpose because I never applied for this loan. 
ECOA - Reg B ( signature requirements ) - for assuming I was a co-maker on the loan request. 
Reg P - Privacy - for reviewing my credit without my authorization. 
I believe Vectra Bank could have a problem in this area. When they receive a loan request through a mortgage broker, they should contact the individuals to make sure they are wanting to do a loan and have them fill out the proper paperwork. They should not make assumptions especially when they are dealing with people 's 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 explanation
Consumer complaint received 05/30/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (PA).
Issue: Loan modification,collection,foreclosure

Complaint: US Bank Home Mortgage is trying to take away my home at all costs. By their refusal to work with me, they have cause me to be in a worse position than I was originally after I suffered a job loss. They denied me a Loan Modification and all other programs that could help me get back on track and because of their attitude I decided to do a little research. As it turns out, they are illegally trying to foreclose on my house.

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: sent them information about inquires that are not mine they just left on there XXXX tu, 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 Payday loan, title loan, or personal loan (Installment loan) with Prosper Marketplace, Inc. (TX).
Issue: Problem with additional add-on products or services

Complaint: This company has been offering me loan since two years now and I 've told them I do n't want a loan, due to their disturbances I succumbed and requested a loan from them sometime this year which they denied, and instead of stopping to disturb me about their loan, they still continue to fill my mail with their letters of loan. I have called them severally to stop disturbing me, Ive warned them next time I received a mail from them I will report them, still they kept disturbing me of a loan, is it by force to get a loan. For XXXX 's sake I do n't need their money, they should stop disturbing me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery bought a debt from XXXX XXXX for a credit card I could n't pay after Iost my job in XXXX. They bought the debt in XXXX and they contacted me in XXXX and I agreed to pay the full balance of {$480.00}. I told them that I would pay this balance because I did n't want it to be put on my credit report as a collection.A couple months afterwards, I checked my credit report and they put it on my credit report anyway. I have contacted them several times to remove this collection but they will not. I can not understand why they would put it on my credit report in the first place. They were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage has established a scheme to prevent its customers from legitimately paying down their mortgage by paying on a bi-weekly basis. They hold on to a policy that says that they can not accept partial payments, when in fact this is not the case. They will hold funds in an " unapplied '' status until the second payment comes in. They are getting the payment interest free from their customers, and charging them interest in the interim. I had made an extra XXXX payment, then proceeded to establish a regular bi-weekly payment for the following month. I received a notice stating that the " balance was due '' on my mortgage account. It is an utter lie. This must be stopped! We taxpayers bailed these banks out and this is the way our government allows us to be treated and it is totally unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (VA).
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 had previously disputed a judgment account XXXX that was erroneously showing on my LexisNexis file back in XX/XX/XXXX. THis is my 4th dispute regarding this account because LexisNexis has refused to comply with FCRA 611 part ( A ) ( 1 ). <P/>In their letter dated XX/XX/XXXX in response to my 3rd dispute regarding this erroneous judgment account XXXX that they verified that this account was associated with me, XXXX XXXX. However, the LexisNexis investigator intentionally ignored a copy of the court judgment order showing that in response to my motion filed on XX/XX/XXXX to have the judgment account XXXX set aside pursuant to VA code 8.01-428 ( ii ) void judgment was granted and this default judgment account that was entered against on XX/XX/XXXX was set aside on XX/XX/XXXX. <P/>Therefore, LexisNexis can not just suppress this judgement account now that was set aside by the court and now that account no longer exist that was previously granted. <P/>LexisNexis refused to comply with the FCRA 611 part ( A ) ( 1 ) when they failed to respond and were required to delete the account. Now the judgment account XXXX has been set aside therefore they are required to delete the account completely from their files. They still do not want to comply but suppress a record that has been set aside by the court and no longer being valid. <P/>This continues to show that LexisNexis does not comply with the laws regarding consumers and continues to violate the law. You should be able to see if they are continuing to violates my rights by failing to properly comply to remove and delete an account that now has been set aside by the courts, how many millions of consumers rights are they violating. <P/>Please see my attached letter dated XX/XX/XXXX that I specifically address the judgment account being set aside by the court on XX/XX/XXXX and provided certified copies of the paperwork from the court showing the judgment that was entered had been set aside. I also provide a copy of their 3rd response letter that show how they continue to state that they have verified the account which is now false because as of XX/XX/XXXX this judgment has been set aside.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Payday loan) with Midwest Recovery Systems (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Payday loan is from XXXX, they have it reported as being opened in XXXX. Have made multiple attempts to contact them via certified mail but it is returned as undeliverable and they have since sold the debt to a 3rd party collector who is now adding on fees and interest to make a profit. Was advised by the BBB to contact the FTC to file a complaint as they have an open investigation due to the amount of consumer complains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I opened a credit card account with a clothing company called XXXX it was issued through Comenity Bank approximate date opened was XXXX 2017 I bought one item then closed the account. I continued to make payments till the account was paid in full. After making the last payment I received a bill for XXXX plus a XXXX interest charge saying late fee this was XXXX. I contacted them and informed them this account was closed and paid off. I was told it would be taken care of. I have continued to receive bills every month for the past 3 monts with the most recent being XXXX for late fees!! Again this is a closed and paid off account!! Comenity bank is trying to wrongfully extort money from me and have reported this to the credit bureau this will affect my score. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (VA mortgage) with LoanCare, LLC (MN).
Issue: Trouble during payment process

Complaint: I have been using LoanCare - www.myloancare.com. I have been trying to access my mortage account for the past 5 days. I need to gain acces to my loan info for filing my taxes. I have called many times due to problems with the web site i am unable to get my password reset. I am worried that this place has gone under or there no IT department at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MS).
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: After reviewing my credit report I noticed an inquiry on there being reported by XXXX company in which I have disputed them and put a fraud alert on my account as well with the credit bureau & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX on my XXXX credit report. Regarding the following inquiries < XXXX XXXX XXXX from XXXX XXXX 2016 > I have disputed the unauthorized inquiry for several months with no help from the company or XXXX. XXXX never responded to my certified letters. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I did not apply for credit online or in the store with this company. I have had no response from certified letters from this Company. This is UNAUTHORIZED and very FRAUDULANT. I am demanding this unauthorized inquiry be deleted from my credit file immediately!

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