milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear government agency, My loan account XXXX I have been being victim from Nationstar Mortgage for cheating as servicer. They have told me to help me to cooperative with them to avoid foreclosure. I have been cooperated with them and they lied and foreclosed my house today XXXX XXXX, 2017. They do n't even tell us that they will foreclose today. I just noticed today. I was so sad to me since they promised me to coop with them. I have been listed the house and did as they directed. They told me that they will have my house approved for short sale auction with XXXX and as long as I signed agreement with them. On the agreement they did say that if I agreed to let them auction my house at XXXX, they will suspend the sale date and help me walk through the process. However, the auction end yesterday with no bidder, they foreclosed my house today. I do n't think they do something fair to give me a chance to avoid foreclosure. I do n't even notice that the foreclosure sale is today too. I relied on what they said and promised.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, I have a history of on time payments, my percentage is at 99.4 %, for some reason my re-occurring minimum payment was not being taken out of my account. I would like for this XXXX late payment to be removed because it is affected my score in a negative way.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Somebody keep going online trying to get credit cards in my name and now I have  XXXX  new inquiries that I did not authorize and need to get these  XXXX  inquiries removed. The new ones that was just added is  XXXX   XXXX   XXXX / XXXX / 2017  &  XXXX   XXXX   XXXX / XXXX / 2017 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX account delinquent when it was discharged in CHP XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2016, about a month ago, a friend of mine and I went to an estate sale. We purchased a file folder case that contained some miscellaneous papers and also had some XXXX money in it. We took the money to Wells Fargo to see if it had any value. They looked it up and said, " This ca n't be right, can you come back tomorrow with the money when we can verify for sure that it is correct ''. 

So we brought the XXXX bills in the following morning and met with the bank manager and two ( 2 ) other bank employees. After consulting with others on the phone and amongst themselves, they came back and informed me that the money was real and had a value of {$9200.00}. I asked them to please double check and make sure that it was indeed that valuable. I explained to them that I did not want to find out later that it was a mistake. They informed me that they had indeed double checked and actually had triple checked that the money was real and had value. They deposited the amount to my account on XXXX XXXX, 2016. 

Now after three and a half weeks Wells Fargo contacted me this and told me that the XXXX money I gave them have been taken out of circulation. They now are demanding that the money be returned to them. 

In no way did I misrepresent the acquisition of the money or its value. I did not fraudulently represent anything about this situation. Wells Fargo is a very large bank that has branches all over the world. Wells Fargo is the self proclaimed money experts, so who better to take the money to. Even before I went in to the bank, I contacted them by phone to verify that they did currency exchanges, which they did. On XXXX XXXX, 2016, Wells Fargo took out the {$9200.00} from my account leaving my account overdrawn by {$1000.00}. I got a call today from Wells Fargo asking me to pay the overdrawn amount today. They already took every XXXX in my account and now they want me to pay more to cover their own mistake. We have made decisions of how to spend this money based on it being ours. We put money towards the escrow for a land we 're hoping to buy. And because of Wells Fargo 's wrong doing we may lose the escrow money and the land. 

I do n't get the privilege of going back and undoing all my mistakes. Do I have to let 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 non-monetary relief
Consumer complaint received 05-04-2016 about Other financial service (Debt settlement) with Nationwide Doc Prep Inc (CA).
Issue: Fraud or scam

Complaint: I received an email from representatives from : Nationwide Doc XXXX Prep, LLC Telephone : XXXX Extension : XXXX Fax : XXXX who charged me {$490.00} for initial registration on paperwork promising lower monthly payments for my student loans from XXXX. And I also have to continue to pay monthly for paperwork they have to submit every month to XXXX or so they claim. But XXXX rep called me back saying my paperwork was rejected because I was still in XXXX and that I should n't have to pay for submitting the application. That 's when I got very worried. I had used my XXXX XXXX credit card and gave them my personal info with XXXX. Now, I hope I can get this issue resolved somehow since the fraudulent person would n't get back to my emails and calls asking for refund.

Company response to consumer: Untimely response
Consumer complaint received 04/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Credit line increase/decrease

Complaint: American Express deceptively gave me a financial review even though originally they just did a credit line decrease on XXXX of my accounts. They gave me the option to restore my Gold Delta Skymiles limit to where it was before and I called them up with some questions about how long the process would take. immediately after the call, they did a full financial review on me and suspended all of my accounts even after I had already sent them documentation about my finances for the Gold delta skymiles credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (I do not know) with First Step Group, LLC (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I believe this is a collection company which I have already spoken with about a debt, they are continuing to call multiple times a day on both my home and cell phone. I have asked them to stop calling my cell phone three times now and I just received another call. Noone is there when I answer and it disconnects. 
They have tried to call my cell phone XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX ( this was when I asked them to stop calling my cell phone ) XX/XX/XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: in XX/XX/XXXX I requested proof of signature on loan documents from XXXX 's, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX and XXXX XXXX and again in XX/XX/XXXX. Also have filed several disputes over the last year and a half they keep verify the debt as accurate. I also have file multiple request For XXXX XXXX, XXXX and XXXX. XXXX and XXXX remove the accounts and just recently put they back on my reports no one will prove it I have made over a dozen request with each credit agency and company. I know they can not prove it because I never signed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I called the company servicing my loan XX/XX/2016 to find out what options I had concerning delaying my payments b/c I just had a new baby. I spoke to a representative and she told me to send in my XXXX tax return and that until they figured out my new payment amount my load would be placed in a hold or pause status. I sent in the required information as requested. Later I found out that the information I was given was incorrect when I applied for a credit card. I was denied for the credit card so I look at my XXXX app and discovered that my perfect credit rating was no more. My credit score had dropped from XXXX to XXXX. I called the servicer of my student loan and was told that the information that I received was completely false and that there was no such thing as a pause or hold. I wrote a letter to the servicer demanding that they remove all of the late payments due to the wrong information I received from their representative. They did remove some of them. When they did not remove all of them I wrote them a second letter demanding that they remove the other late payments. I called for an update on the XX/XX/2017 and was told by a supervisor that they were not going to remove the other late payments even though she admitted that the representative gave me false information which let to the incorrect credit reporting that has negatively impacted my life. Me and my husband were planning on buying a new house and now we cant because of this error and the impact it has had on my credit score. The supervisor told me that the only thing they were going to do was file a complaint against the rep and discipline her. This is not enough and I demand that they remove the late payments and if not I 'm in the process of filing another complaint with the department of education and lawsuit. Prior to this instance I was able to get anything I wanted and offered the lowest interest rate available. Now I ca n't get bubble gum on credit. This has devastated my family and I want it corrected and restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (OH).
Issue: Deposits and withdrawals

Complaint: This bank seems to engage in a deceptive practice with regard to funds availability with deposited checks. I received notice that a deposit made on XX/XX/XXXX would be available in two portions, {$200.00} on XX/XX/XXXX ( next business day ) and the remainder on XX/XX/XXXX ( 2 business days ). This is in accordance with the deposit agreement on the account and not in dispute. However, on XX/XX/XXXX the bank overdrafted my account repeatedly prior to releasing these funds, only to release them immediately after processing the overdraft transfers. The result was a net income ( {$20.00} ) to the bank due to excessive transfer fees against a savings account that were unnecessary due to their mistaken late release of the funds.

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 01-11-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: Our Chase Bank check was stolen from out outgoing mail. The check was made out to XXXX XXXX XXXX XXXX but cashed and forged by XXXX XXXX. We notified the bank XX/XX/XXXX, prepared all the paperwork, had XXXX XXXX 's and our signatures notarized as instructed to do. We have still not had our claim honored.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 se nt 3 letters to  Equifax regarding unvalidated information on my credit report. Th e 15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. Equifax failed to provide me verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 day These negative events were not removed. Poof was not provided that these inquiries were in fact authorized with an instrument bea ring my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Conventional fixed mortgage) with AMERICAN INTERNET MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The loss claim process at AIMLOAN is utterly disappointing. While all others in our neighborhood recently struck with a damaging hailstorm have all simply had their insurance claim checks endorsed by their mortgage companies within a day of receiving them and with no further strings attached, AIM finally sent the XXXX of XXXX checks, XXXX weeks after I submitted the XXXX forms of required paper work and they misspelled the roofing company so now I get to wait another week. They require all kinds of endorsements and inspections among XXXX separate disbursements. I have a damaged roof waiting for the AIM process. After finally receiving a correct claim check after XXXX weeks, shingle prices increased causing an additional {$310.00} out of pocket cost to us. I believe their loss claim process is too onerous with the threshold set too low ( {$10000.00} ) Our claim is for a total of {$18000.00} making this a very difficult process. I own & gt ; 50 % equity in my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is regarding OCWEN not providing consumer financial relief to borrowers harmed during the foreclosure process. 
This included my foreclosed GMAC mortgage loan ( under XXXX and then XXXX was purchased by OCWEN ) and payments to borrowers as a result of the National Mortgage Settlement Act about foreclosure abuses and borrowers who lost their home to foreclosure. I lost my home to foreclosure in XX/XX/XXXX. 
After the results of the National Mortgage Settlement Act, I submitted the initial notification document with the Virginia Attorney General office prior to the established deadline while residing in XXXX. I relocated back to XXXX in XX/XX/XXXX to XXXX. 
Under the National Mortgage Settlement Act ( NMSA ), my mortgage loan qualifies for the following reasons:1. Unexpected home repairs2. I was deceived regarding the ability to make the mortgage payment3. I completed a trial loan modification plan4. I was not offered any ways to avoid foreclosure5. I did not receive proper notification of the foreclosure6. robosigning documents without my authorityThe foreclosed address is XXXX. I did not receive any documentation or a settlement check as advertised on the NMSA site. I called the Ocwen office and was informed by XXXX XXXX XXXX ( XXXXXXXXXXXX ), an Ocwen representative that documents were mailed to the XXXX address but I still have not received anything as of right now. I was advised to submit a letter. My first letter was in XXXX then another in XXXX. No response from Ocwen. 
Ally did not return my calls or provide assistance and I feel that the same thing will occur with Ocwen. 
I am an XXXX Veteran but did not use my VA loan. I respectfully request assistance in this matter regarding financial relief from Ocwen for mortgage settlement. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My sister 's date of birth is listed on my credit report as my date of birth. Whatever accounts she opens automatically goes to my account and not my sisters. I have tried to correct this with the accounting agencies to no avail. My sister birthday is listed as mine. 

My sister bought a house but it says that I have the house. I have repeatedly told them this is wrong. I haven't gotten letters from hospitals etc. That my account has been breached. It was supposed to put a security alert on it and it did not. Her accounts affect my credit score.

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 10/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AAA Auto Title Loans, LLC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I got a registration loan with Cash 1 DBA AAA title loans. I am late, but having financial problems. I did explain that I moved to XXXX and commute to work, until my new job starts. They are calling my work, asking for my boss or me. when I told them not to from the start to not call my work. XXXX and XXXX claim they can but I work with the CFPB laws on my current job and know otherwise. They are also, leaving very detailed messages on my home/ cell phone, that even my roommates hear it, being we share the same phone. It is on my loan saying that I am late and they need my payment, with more detailed info etc. It is very detailed. I have continuously told them do not leave a message and now for the continuing harassment at my work, told them to stop calling me or my work. I even sent them a letter on it. I even have voicemails saved to prove it. My roommates just called me today and told me that they left another detailed message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WV).
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 contacted all 3 credit reporting agencies to have this late pay removed from my credit report. This account is a student loan for my son. I completely understand that as a co-signer I am also responsible for this his account. However, I was not notified that it was 30 days late. He has multiple loans and is trying his best to keep them all current.

It is just not right that one of the three agencies responsible for maintaining consumer personal credit information ( XXXX ) can have a major breach ( affecting millions ) and NO repercussions. My son was late ONE time and this stays on MY credit report for SEVEN YEARS! It clearly is a double standard here. Consumers can not make a mistake. I understand my credit is not the best but I have never had a late pay ( 29 years of credit history ). I have had 4 credit card companies send me letters closing my accounts. This is a disgrace and the laws need to be changed relating to Fair Credit Reporting Act. There is nothing fair about this Act. SEVEN years is just not right. XXXX will remain in business and my credit has been destroyed due to a simple mistake. 

I am asking to have this negative item removed from my credit report 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
Consumer complaint received 06/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a much older debt caused by my ex-wife using my son 's phone and me being unaware. It is being passed around to all the collectors who then add on new charges. It will never be paid by me as I did n't make the debt. It is being misrepresented by being renewed by each new collector so as to keep my credit history in jeopardy illegally. These debts can not be collected after 3 years according to Federal Statutes. I want it taken from my files at once. Passing it along from agency to agency is not morally right or civilly correct. Had I the resources I would pursue legal action against these companies. As I ca n't prove fraud, I ca n't pursue legal action against the party that caused the debt problem either.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: unauthorized inquiry on my report

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I've sent a wire transfer to their bank ( XXXX XXXX XXXX ) in NY coming from XXXX NY last XX/XX/2017 to fund my Coinbase account. I followed all the instruction stated in Coinbase website how to deposit through wire transfer. My bank has confirmed that XXXX XXXX XXXX has XXXX the {$5000.00} wire transfer.. I opened a file with case ID # XXXX dated XX/XX/2017. I tried to contact their customer support numerous time on phone, email, XXXX, XXXX & internal messaging, but no response whatsoever. It's been over 2 months now & I missed so many buying opportunities in cryptocurrency trading. Please help me get my money back to my XXXX account or deposit to my XXXX account. 

Thank you very much. 

XXXX XXXX

Company response to consumer: Closed with explanation