milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified Consultants h ave placed on all   XXXX   of my credit bureaus a collection that is not mine. I have called and asked for any information they  may have such as a contract etc showing it is mine and they have refused only sending me a letter to send them a copy of my SS card and Drivers Lic. so they may ve rify it is mine. This is violating my credit report and causing me grief. I have also disputed this 4 times and they will not remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have always paid my bill online every month with a the company and they always show that they receive my payment however, one time I received notice 30 days after i paid them that they never received the payment even when the website says they did. This has caused a 30 day late pay to show up on my report by no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed the following bankruptcy. I received the dispute results from equifax this morning. And according to federal law NO federal bankruptcy court reports to and credit bureau. So with their findings this information is false, due to the fact equifax can not verify with any bankruptcy court espically as listed on attached findings.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Payday loan () with Crow Creek Sioux Tribe (FL).
Issue: Charged fees or interest I didn't expect

Complaint: In deciding whether to categorize it as a payday loan or installment loan, the issues that best describe the problem falls under the payday loan category. The company claims to be an installment loan provider ( yeah, right ). The installment loan which is setup and works the same as a payday loan, high interest rate and requires payment of interest on each payday. They just have it setupover a longer period and the entire principal and interest is not due on paydays only the interest payment. It is a revolving payday loan, not an installment loan. The company is not licensed by the State of Florida as I am a Florida resident. I did n't realize this until after I took the loan out and tried to make settlement arrangements and was unsuccessful. The loan process was conducted over the internet not on the tribal reservation. I did not realize the high interest rate and terms of the loan was not in compliance with Florida regulation. After experiencing a financial hardship, I contacted all of my creditors to make payment arrangements on loans I owed, I was successful in getting settlements based on the amount of the loan not the high interest rate and all of them stop the interest rate or cancelled the interest except this company. I borrowed {$770.00} on XXXX XXXX, 2016 and made XXXX interest payment of {$230.00} on XXXX XXXX, 2016. I contacted them via phone on XXXX/XXXX/2016 spoke with XXXX, they informed me the following was the only arrangement they would accept and followed up via email as well. They told me my balance was {$4400.00} and they would settle for {$2200.00} and I would have to sign another ach authorization for them to debit payments. They claimed to have soverign immunity however I have immunity as well from tribal laws as I am not a member of the tribe, did not conduct business and never been on the tribe reservation. Therefore, I do not have to abide by tribal laws. I have tried on several attempts to settle the debt for the amount borrowed. They want a prearrange amount for the entire contract amount including interest through the duration of the loan period. This is a very illegal and unfair debt collection practice.

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 08-03-2017 about Student loan (Federal student loan servicing) with SLM CORPORATION (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I sent CFPB a complaint on X/X/17 stating that I did not agree to cosign a student loan for my granddaughter. Sallie Mae responded X/XX/17 stating that they could not provide a call recording because it is proprietary information. They attached the Application, Promissory Note and Final Disclosure.
On the promissory note, page 4 it states " Your signature on this Note is binding ... '' The Note is 7 pages and there are no signatures on any of the 7 pages, nor are there any signatures on the Final Disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 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: Information belongs to someone else

Complaint: Ive contacted Equifax multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. I sent Equifax a copy of my fraud affidavit with supporting documents and a list of accounts that are reporting on my credit file which do not belong to me. Equifax has removed all but two accounts according to what shows on their website today XX/XX/XXXX. There are addresses that were deleted from my credit file, but now has reappeared, there are three inquires which show on my credit file, I called Equifax and spoke to a representative about them on XX/XX/XXXX and I was told by the representative that they do not show on my EQUIFAX credit file, but yet they show on my credit file as seen on the Equifax credit report XX/XX/XXXX. 
There is a Bankruptcy that shows on my credit file with Equifax, which doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to rcve this information. All I have rcvd from Equifax is a statement on my credit report thats says they verified the Bankruptcy through a third party Company XXXX, but I called XXXX spoke with a representative about the verification and was told that no one called from Equifax to verify a Bankruptcy on my file. I rcvd a copy of my consumer file from XXXX and there is no Bankruptcy showing on my file with them. 
There is an account showing from XXXX, I have asked for verification of this debt and method of validation, I have yet to rcve anything from Equifax accept the word verified next to this debt on my dispute summary. This is not my debt Ive never had a charged off account with XXXX, the account says its under investigation but It isnt The following Inquiries out of the Blue showed up on my Credit Report in XX/XX/XXXX, which werent previous there, I have never applied or authorized anyone to apply to these companies in my name for credit, nor have I authorized any credit inquiries from these companies : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX-GA XX/XX/XXXX The following addresses has been removed and has reappeared, this address doesnt belong to me and needs to be permanently removed : XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Vehicle loan or lease (Loan) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I purchased a vehicle that was financed through Mercedes Benz Financial, in XX/XX/XXXX. I had some financial difficulty and filed for Bankruptcy that was discharged in XX/XX/XXXX. Mercedes Benz Financial never sent reaffirmation paperwork and stayed in constant contact, for 11 months after the discharge. I was receiving billing statements and phone calls, and since I had never filed for bankruptcy in the past, I had assumed that since I had informed the courts that I was going to maintain the auto loan, this was normal operating procedure. Thirteen months after the discharge, I received a repossession notice from Mercedes Benz Financial and worked out a deal with them, to pay a months payment, and have an additional months rolled to the back of the loan. I made the payment and assumed that all was well. The next day, I received a phone call from a very rude representative at Mercedes Benz, who told me that they were not honoring the deal. I informed her, that the collection of the funds, was an acceptance of the deal and that any differentiation would be a legal misrepresentation. She threatened to have my car repossessed. I spoke to another representative that finally agreed to honor the deal, and she informed me that I was no longer receiving billing statements, due to my " recent '' bankruptcy. She informed me that according to their records, my discharge was XX/XX/XXXX, a full 13 months after the actual date. I also informed her that I never received any reaffirmation paperwork, and was told erroneously, that I was to receive all the documentation from my attorney. He confirmed that the information was incorrect, and should have come from Mercedes. I continued to pay off my loan. Now, it 's is XX/XX/XXXX a full 10 years after the purchase of the vehicle. I contacted Mercedes Benz for a payoff, 3 years ago, and they had trouble finding the loan. I was told I would be called back, which I never was, so I contacted them again the next day. I was told a bloated amount, thousands more than my records. I have had the car for the past 3-4 years and have not made any payments. The bank, has made no attempts to collect, but I have not received a title for the vehicle. I want to file a complaint against MBFS and have the title sent to me, asap. The original, used vehicle loan, is over 10 years old! Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Funds were stolen from my savings account at XXXX XXXX. One of the fraudulent transfers was made to an account at Chase Bank. I obtained the transaction number and the ach transfer number from XXXX  XXXX. I contacted the fraud department at chase bank to report this info in an effort to find who stole my money. I spoke to a supervisor in the fraud department at chase bank. He was completely uninterested in the information. He was unwilling to investigate this fraudulent transfer of my stolen money to chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo is in violation of CA Real Estate Laws, acting in bad faith and in violation of CAHBOR laws and anti dual tracking laws. Wells Fargo must be investigated immediately as this is a very serious violation of ethical guidelines that lenders and servicers must adhere to. At issue specifically is borrower 's request to do a short sale which Wells Fargo has had for months now. As you will see from the attached docs Wells Fargo countered this particular buyer to a certain purchase price. Once Wells Fargo made a counter Wells Fargo was in a legal contract negotiation per CA law. Per their guidelines Wells Fargo demanded a certain amount of monies for the purchase price of the property at which time the buyer accepted. Once the buyer accepted per CA law Wells Fargo was in a legally binding contract to sell the property to this buyer. Instead of immediately issuing their approval letter Wells Fargo illegally set a foreclosure sale date which is against anti dual tracking laws when a file is under foreclosure prevention and then they further acted maliciously and with malcontent when they sat on the short sale request so as to approach a foreclosure sale date. After many, many escalations Wells Fargo finally came back and said the offer was denied and removed from short sale. This illegal activity is to be hereby CEASE and DESISTED IMMEDIATELY. Wells Fargo is IMMEDIATELY REMOVE their foreclosure sale date due to their gross negligence and willful disregard of CA law. Wells Fargo must immediately fully disclose any all issues they have with the current offer and that may not include the offer amount and parties to the offer as this information was already made aware to Wells Fargo prior to the counter Wells Fargo issued.

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 10/13/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received my statement from NationStar Mortgage. After applying my payments catching up my payments, even though none were late, NationStar charge me {$89.00} in late fees on my statement. On the statement stated late fee is {$36.00}. I have no idea what this figure is. I doubt they do either. I have no idea how many late fees they have tacked on to my account, but this is ridiculous. 
NationStar also applied extra interest on my account when they misapplied the Loan Modification by waiting until a full payment paid, putting funds in unapplied funds instead of payments or principle ( see adj. Forbearance suspense where they fianally applied {$140.00} - that used to be {$180.00} plus change to principal ). They have been ripping me off left and right, extending the mortgage as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (FHA mortgage) with loanDepot.com, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am writing this letter in regards to late payment reported by Loan depot my current mortgage company it was for the month of month of XXXX 2017.. On XXXX XXXX, 2017 Loan depot LLC, branch in the XXXX XXXX XXXX, CA called me because I qualified to refinance, my FHA Line of credit.
I agreed to refinance because the new loan was with same mortgage company Loan Depot and we started paperwork, the loan number was XXXX. During the refinance process I was dealing with XXXX XXXX he was processing loan. I asked XXXX XXXX  if I should continue making payments on my current loan.
XXXX XXXX was going to ask supervisor if I needed to make a payment for XXXX. Manager calls me back in regards to payment. I was told hold on wait until they got a payoff amount.
I did not receive anything in mail. I was under the impression that my loan was approved.
I would still be in good standing, because I would have made a payment on time for XXXX. I did not receive a written letter from Loan Depot LLC until XXXX XXXX, 2017 that loan was denied on XXXX XXXX, 2017. That was unethical on their part, the letter should have been mailed earlier.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, XXXX, I disputed a report of a tax lien that was reported on my Transunion report by XXXX. My credit report of XXXX XXXX, XXXX, file number XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report as of XXXX XXXX, XXXX file XXXX. FCRA 611, Procedure in case of disputed accuracy [ XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

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 09-02-2016 about Mortgage (VA mortgage) with The J. G. Wentworth Company (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My ( new ) mortgage servicing company ( VA insured loan ) has unilaterally raised my monthly mortgage payment by over {$200.00} ( an almost 20 % increase ), due to a " claimed '' shortage in my ESCROWS account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Payday loan debt) with Wharthog Ventures LLC dba Loans Not Sharks (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Loans not sharks keeps calling my phone and work when i 've told them not too saying they 're going to take me to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: In XX/XX/XXXX, I opened a checking account with Chase, with the agreement and assumption that I would receive {$250.00} for opening a new account with direct deposit. When I did n't receive the {$250.00} as promised, I contacted customer service at Chase and was promised that I would receive the {$250.00}. After about a week of not receiving the funds, I went to a local branch for assistance, only to be told I had to contact customer service over the phone. I contacted customer service twice and two months later, I have yet to receive the funds promised to me. I feel that Chase is n't holding up to their end of the bargain and they are false advertising to get new customers to open new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: XX/XX/XXXX 2015Federal Bank RegulatorOn XXXX XXXX, 2015 Chase Bank confiscated {$14000.00} from my checking account. They did this with a simple debit entry. They did not provide any advanced notice. This was done without any discovery of fact procedure, arbitration or legal hearing. My account did not have sufficient funds and therefore was overdrawn. A check for local property tax was outstanding and subject to penalties. The entry that triggered this action was a direct deposit from the IRS on XXXX XXXX, 2015, a month and a half earlier. I have not received any correspondence from the IRS about any issues. I understand the clearing of funds between banks and the need to reverse transactions. Chase shows this in funds available for withdrawal. This normally takes days not a month and a half. I believe all issues are with Chase Bank and their handling of the transaction and their procedures for confiscating money. I have contacted Chase and they are working to resolve the error. I hope and expect the monetary portion to be resolved. What can not be resolved is the procedural issue which allows a bank to at their whim without notification and any formal procedure to confiscate money from an account holder. This requires Federal regulation. In summary my question is : Can a bank at any time confiscate money from an account holder without advanced notification and without a formal fact finding hearing? 

Banking is not practical without assurance of funds. If this is not legal, what is my recourse? 

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several credit inquiries for the same day and I only signed for one application in the same day. I need to delete the rest of them because they were not made without my knowledge.

Ex : XX/XX/XXXX - I have XXXX Inquiries XX/XX/XXXX - I have XXXX XX/XX/XXXX - I have XXXX and the list goes on. 
Please I need your help on this matter which is impacting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from Guaranteed Rate stating that I have not provided " Hazard Insurance '' for my home located at XXXX XXXX XXXX XXXX XXXX IL XXXX. They paid the bill and received the rider for the insurance in XXXX from escrow. We have a previous complaint that was filed although they replied with a resolution it was not just. At this point they are just harassing me for no reason at all. I will attach a letter from Guaranteed rate that specifically recognizes the coverage and yet we receive letters requesting proof of insurance. Also, I will attach the invoice that was paid out of escrow ( LATE! ) by Guaranteed rate. Harassment, plain and simple.

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