milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: QWR and Debt Validation letters have been sent several times. They did not response according to the law and did not provide certificated and authenticated documentation. In addition foreclosure document fraud by Wells Fargo as master servicer of XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX XXXX, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX Brokers Conduit filed bankruptcy in XXXX XXXX and the Assignment says the note was assigned in XXXX XXXX, XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned in XXXX which is XXXX plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, XXXX XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS WELLS FARGO HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.

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 09-03-2015 about Consumer Loan (Vehicle lease) with VW Credit (MI).
Issue: Managing the loan or lease

Complaint: I made an early payment to my account with Volkswagen Credit on XXXX/XXXX/2015. They had a wrong address on file and I was n't notified of the payment not being processed. I have also had issues with the telephone payment system previously not posting a payment and not allowing me to repeat confirmation numbers. They would not investigate this after numerous attempts to resolve the issue. They stated that they had no record of me calling on XXXX/XXXX/2015 which in response to I asked to send my phone record of having done so. They would not allow me to do so nor would they investigate the issues I had with the billing system.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX  XXXX XXXX is reporting a tax lien on my credit report that has been paid and the lien has been released. Each time I have attempted to dispute this information and provide a lien release document, equifax has required me to prove my identity through a method where I must answer questions that they say are identifiers that have been gleaned from my credit report. The questions are NOT FOR ME. NONE OF THE QUESTIONS MATCH ANYTHING THAT WOULD RELATE TO ME. When I answer " none of the above '' I get an error message stating that I can not be identified thus I can not be helped. This, in my belief, is being done to deter me from disputing this erroneously reported derogatory occurrence. 

I would like this resolved so that I can provide them with proof of my proper lien status.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Medical debt) with Experian Information Solutions Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt not mine. It is showing up XXXX XXXX XXXX from a hospital called XXXX XXXX XXXX. Please have XXXX XXXX XXXX remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$120.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.

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 04-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out a {$10000.00} student loan from XXXX in XX/XX/XXXX. I finished school in spring XX/XX/XXXX. After I graduated, I was unable to find a job to begin making payment on the loan. After being harassed starting 3 months after I graduated, the loan was finally defaulted on after a few months. Eventually after finding a job, I still was unable to make payments, but the loan had been handed over to navient. The company was unwilling to do any type of forbearance or deferment to help reduce the payments. Currently, I 've tried again to help fix the issue but I 'm completely unable to even speak with anyone from navient. I 'm automatically transferred to a 3rd party for collection. The collection agency offers settlement options that are competent unrealistic. They offer me a settlement ranging from $ XXXX {$8000.00} or a payment plan to reduce to the interest rate. As they said he current interest rate, the monthly payment would go only to interest and never touch the principal balance. The issue with the payment reduction plan is that it requires too much month up front ranging from $ XXXX {$2000.00} and then followed by monthly payments that are unaffordable. I just want to clear up this debt or get help with repayment from NAVIENT because the 3rd party collection agency ca n't even negotiate the terms of the settlement. No one would benefit. But on the other side NAVIENT is completely unwilling to communicate with me to discuss options. And they still currently service the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Basically what happened is before XXXX in 2015 someone that I do not know deposited checks into my bank account in the amount of XXXX dollars and withdrew the money from an atm in XXXX. I changed my password immediately on my USAA app on my phone and reported this fraudulent activity to USAA. I did not hear anything from them and suddenly my bank account was frozen and my account was XXXX. Shortly after I was unable to get any of my XXXX paychecks and the bank said that money can only go in not come out. I have not received any paychecks since this time and now they say that I owe XXXX to reopen my account. I am a XXXX veteran and times are tough I can not pay the XXXX and in addition to that I am unable to work to make any extra funds. would just like my money back that is mine and was payed to me from the XXXX administration and from social security. I have had Usaa for approximately 9 years and I feel like they have left me for chopped liver. Any help would be greatly appreciated. 

very respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Debt collection (Federal student loan) with GREAT LAKES (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On XXXX XXXX, I had called Great Lakes Student Loans in regards to my Student Loans going into default on the XXXX. The Representative asked if I could make any payment. I made a {$50.00} payment and she was going to check to see if she could set me up on another payment plan and call me back. I received no callback. I called back on the XXXX and was told that my case was still pending approval and there was no note to call me back. The woman told me that if I made the remaining {$160.00} ( to total the {$210.00} payment - which is part of the graduated payment plan which they were working on getting me on ). She informed me that if I made the payment then I would be placed on the payment plan and MY STUDENT LOANS WOULD NOT GO INTO DEFAULT! This was on a recorded line! I am furious to know that they have been moved to a collection agency!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016 Equifax deleted XXXX off my report and it was recently added back on without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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 have reached out to the credit bureau about 3 times disputing rent recovery. after sending the third letter with confirmation number XXXX after 3 attempts trans union had failed to remove rent recovery which is an unverified/unproven account. they have failed to provide the description of the procedure used to determine the accuracy and completeness of the information. they also claim to not be the one responsible to provide me with a copy of any documents bearing my signature showing that I have any legally binding contractual obligation to pay them the exact amount claimed. I informed them in writing that I do not consent to XXXX XXXX or any automated response. they have refused to provide their method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account listed on my credit report  XXXX   XXXX  that 's suppose to be closed it 's closed on my other  XXXX  credit reporting agencies reports. Its been closed and charged off since  XXXX   2016

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 02/16/2017 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Chase is continuing to report a mortgage that was opened in my name without my consent. I have disputed the debt with the credit bureaus and have submitted an official police report. the entry is effecting my debt to income ratio and I 'm suffering damages because I ca n't get approved for what I need. Please make not of this complaint and help me to resolve it quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The banks Wells fargo and XXXX have a charge off on my credit that I do n't owe on and they refuse to verify the debt

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 01/24/2018 about Payday loan, title loan, or personal loan (Installment loan) with KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (GA).
Issue: Charged fees or interest you didn't expect

Complaint: This company is over changing me this loan i need them check out. 
The amount was {$8900.00} that had to be pay off in 144 months it was pay off in 39 months the least statement said that I need to pay {$310.00} to pay this loan off I pay {$320.00}. now they saying that I owed {$57.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I received a letter from " Bank of America '' stating as follows : " After a careful review, we 've made a decision to close your account above ''. This was a total surprise for me. 
I have had XXXX accounts with Bank of America for over 10 years ; XXXX business accounts, XXXX saving accounts and XXXX personal checking accounts. 
I called the bank to find out what it was ; I received nothing but rude answers that the bank has the right to close the account. I called the back office business support ; they said they had no idea why it happened. My accounts were never overdrawn, I never wrote a bad check, I kept a total balance that was for the most time at XXXX figures. I have a perfect credit with recent score of over XXXX. 
I can only conclude that my information ( and others ) at the bank was compromised, and the bank in order to avoid any liability asks to close the account. Or alternatively, the type of accounts that as agreed pays almost no fees may not profitable to the bank. I can not find any other conceivable reason. 
I am seeking help to force the bank to give me the reason for the closure of my accounts. 
Upon search on the internet, I found out that there numerous people with similar situation, where Bank of America took the liberty to close their accounts without a given reason. 
I am open to show all my bank statements, with all transactions, and all supporting documents for any underlying transactions that took place in my account. 
I think this issue should be presented to all State authorities that regulate banks in my case the State of Florida, as well as government agencies. 
Thanks

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 12/23/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: I got an email saying I need to update my information on a bank website but I do n't have an account with that bank. I feel that someone tried starting an account with this bank with my name. I 've kept the email just in case and the attached pictures are screenshots of the email on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a XXXX application. 

XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Owner XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX 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 non-monetary relief
Consumer complaint received 10/21/2016 about Consumer Loan (Installment loan) with Ballybunion Enterprises, Inc (NJ).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX i visited a Freedom Acceptance website ( Affiliated with Military Credit Services LLC ). The reason for this visit was to book a plane ticket to XXXX due to a family emergency I had. Shortly after my return home I was facing financial difficulties resulting in late payments as well as non payments. The company I company listed above filed for a Lien on my XXXX XXXX XXXX account using a court out of XXXX while I was XXXX, this occurred XX/XX/XXXX. The lien was placed on my account XX/XX/XXXX while I was preparing for the XXXX, this made it all the more difficult to dispute. I was unable to follow through with the dispute because I was in XXXX and the court that filed the Judgement was in XXXX. I realized the lien had been placed when I attempted to pay a cell phone bill and was unable to due to the bank account being frozen. While I was XXXX I noticed that my paycheck was significantly lower than It should 've been, this lasted about 6 months while freedom acceptance and military credit services were garnishing my wages ; all while my bank account remained frozen. My concern is that while I was attempting to contact this court and this company in XXXX I was unable to get a response. I would also like to know the legality behind a court filing judgement from another state, although the contract was signed in XXXX. The amount of fees I have paid from overseas as well as the extended financial hardship due to my bank account being frozen and my wages being garnished have taken an incredible toll on my family and I.

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 12-07-2015 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (MN).
Issue: Account opening, closing, or management

Complaint: Navy Federal Credit Union issued fraudulent debit card and XXXX credit under my forged name in XXXX, 2015. I called and had accounts shut down and have learned I have been the victim of identity theft. Attempts at other institutions were made - BUT ONLY NAVY FEDERAL 'S WENT THROUGH - without apparent verification and opened with a STARTING {$25.00}, XXXX credit limit! This company has some serious regulatory issues!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: the company cashed my post dated checks. which i have been doing for 3 years. the company was greentree and was bought out by ditech..ditech cashed all XXXX checks which were dated for XX/XX/XXXX. this caused me to now owe my bank XXXX in overdraft fees. which they will not cover. i an on direct deposit for XXXX and the bank is going to keep all my money. this company ( ditech ) has put me into a financial crisis

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is in regards to Equifax behind hacked and putting my information at a very high risk for identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Other

Complaint: HSBC continues to report negative information on my credit report that is over 7 years old. I have XXXX accounts with HSBC that are currently reporting as charge-offs. This information is over 7 years old. I called this to HSBCs attention and disputed with them. I received a letter XXXX XXXX ( see attached ) from HSBC stating that as a customer courtesy they had made the decision to delete the tradelines reporting. That the accounts would no longer be reporting. Since XXXX XXXX HSBC has reported XXXX times to the credit burea and continues to report as charged-off. They reported it XXXX XXXX as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NH).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I received a letter from DISCOVER dated XX/XX/XXXX in which I was asked to provide updated information on " citizenship and occupation ''. It was stated in this letter that this information was needed " to meet government guidelines that prevent money laundering and terrorist financing ''. I was provided a choice of either going online or calling the number on the back of my credit card in order to provide this information. 
I did neither! I was appalled at what was being asked of DISCOVER customers! 
It is a known fact that questions about citizenship and employment/occupation are requested when one first applies for a credit card. I was also informed that the only government required information from a credit card customer is an actual physical address ; this being an outcome of XXXX when terrorists were using PO box addresses. 
I contacted XXXX by phone on XX/XX/XXXXand sent an email to them to report what I felt was overreach, potential profiling and misleading content in the DISCOVER letter which could cause individuals to provide this information believing that it is by government mandate when it clearly is not. I also addressed this issue directly with a DISCOVER representative in a recorded phone conversation onXX/XX/XXXX. I have further addressed this important issue with the Better Business Bureau and now with the CFPB - both as of today XX/XX/XXXX. My purpose is to enlighten consumers as to what is being asked of them by DISCOVER and how it is being asked.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I normally pay my monthly mortgage to Nationstar online through an email link. This month the link did not work. I XXXX the web address. The website required that I submit my zip code and full social security number. I did not submit the full social security number because I was concerned about identity theft, and called the company to question as to whether they had been hacked. They had not. It is their policy because they have a new website to verify the full social security. I have seen companies verify only the last XXXX not the full social security and explained that to them. They have a total disregard for their customer security, asking for a full social security number online. I will not provide that and so now I am unable to use their online payment system.

Company response to consumer: Closed with explanation