milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am the owner of the property at XXXX XXXX XXXX, XXXX, VA XXXX. I obtained judgments against the original " lender, '' XXXX/XXXX/XXXX, case # XXXX, for FDCPa and TCPA violations, and the " servicer, '' XXXX, Case No. XXXX, for the same violations. I also sent a UCC 9-210 via certified mail, to both parties, and they tacitly admitted that the mortgage balance was XXXX. The first Default Notice was mailed on or about XXXX XXXX, XXXX, so the 6 year statute of limitations for both the UCC and the state of Virginia is well past that point. I rescinded the " loan, '' on XXXX XXXX, XXXX, by sending notice via Certified Mail, Return Receipt Requested to the alleged lender, Bank of America, N.A., and to the alleged servicer, XXXX XXXX XXXX. The US Postal ID number was XXXX for the former, & XXXX for the latter. I recorded a " Notice of Interest in Real Property '' in XXXX XXXX, VA, along with an affidavit.Pursuant to the Truth in Lending Act ( " TILA '' ) 15 U.S.C. 1635 and 12 CFR. 226.23, the rescission was effective the moment it was mailed ( see XXXX vs XXXX, XXXX XXXX ). Please notice that that decision said very clearly that TILA does not make a distinction between a disputed rescission or an undisputed one-in either case, any lien holders who wish to dispute the rescission must do so with a lawsuit, WITHIN 20 DAYS, otherwise their rights are gone forever-and they are obliged to return the canceled note, reconvey the property, and return all payments and closing costs to the owner. Not only did Bank of America and XXXX not follow that requirement, they are trying to commit fraud in collusion with XXXX by the attempted foreclosure of the home ( see attached ), by foreclosing on a home where the note and mortgage, by operation of law, were voided back in March-and they did NOT exercise their right of contesting the rescission within 20 days. A couple of recent blogs by noted foreclosure attorney XXXX XXXX shed light on what B of A are trying to pull-indeed, in the first article, XXXX was fined massive damages because of their fraudulent behavior, and when I last checked, XXXX XXXX, XXXX was nowhere to be found in the county recorder 's office. In the XXXX blog, which discusses the XXXX decision from XXXX, he had rescinded years ago, but was foreclosed on anyway, and now the court threw out XXXX Bank 's motion to dismiss. Incidentally, none of the categories below really fits, but I checked " Problems when you are unable to pay, Loan modification, foreclosure. '' XXXX https XXXX I also add that all of the parties are violating XXXX XXXX & XXXX XXXX deceptive trade practices against an elderly person, as well as my civil rights ( law of XXXX, attached ) by trying to deprive me of personal property without due process ( which is true of any deed of trust state, btw ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CBE XXXX is n't willing to send me the amount that I owe. I have tried to correct my address so they could send me information ( has n't been corrected yet XXXX and tried to get them to email me my amount owed XXXX has n't happened ). When I called to complain tonight, I was told they would have to wait XXXX days before they could send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: I traded in a car that I had financed only months earlier for a newer car actually I traded a XXXX dodge caliber for a XXXX dodge charger worth about XXXX monthly payments to be XXXX per month the salesman told me I could split payments which sounded great however I only make XXXX per year and was very naive and my first time purchasing anything period chrysler dodge sold me the car and chrysler capital financed it chrysler capital knew nothing of split payments over the life of the loan I would wind up paying over XXXX dollars I think all things considered that loan should have not even been approved I have lost the car to tickets the insurance lapsed because I could not keep up with all of it the car is in possession of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a lease with XXXX XXXX XXXX and there is a dispute between the two of us about whether I owe them {$3600.00}. National Credit Systems has reported this disputed debt twice on my credit report ( to XXXX and XXXX ) so that it appears as though I owe {$7200.00} to XXXX XXXX XXXX National Credit Systems has confirmed when I call that they are not seeking to collect {$7200.00} from me, only {$3600.00}. However, they have continued since XX/XX/2012 to report XXXX accounts for {$3600.00} in an effort to pressure me to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Bank account or service (Checking account) with U.S. BANCORP (SD).
Issue: Deposits and withdrawals

Complaint: My wife 's wallet was stolen, so we had to close our old account through us bank. So we closed said account and opened a new one ( mind you this will be our second time dealing with this issue ). I recent refunded a game worth XXXX and it was refunded to my old account, due to them just sending it to a different account is not possible for obvious reasons. XXXX, the company who refunded our money sent the money, we have documents on our side and XXXX side saying they refunded the money to us bank. Now after speaking with us bank, they refuse to give us the money that was sent to our old account, that has my and my wifes name. They already did this with one of my paychecks.

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 11/28/2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had a credit card with XXXX 's XXXX for two years never had a late payment. My bill was due the XXXX of every month. Unfortunately, XX/XX/XXXX I had a XXXX in my family and had to go out of town for a couple of weeks. I somehow missed my payment due on the XX/XX/XXXX but, paid it on XX/XX/XXXX after I got back in town after the funeral. The next day I received a letter in the mail from XXXX XXXX XXXX stating that I was 30 days late and my account was closed. I called customer service and the rep stated that my account was closed due to non-payment and they could not reopened my account but if I waited a year they might reconsider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Prepaid card (Payroll card) with REGIONS FINANCIAL CORPORATION (OH).
Issue: Fraud or scam

Complaint: I had XXXX dollars inside of my wallet with my XXXX bank card 2 days ago.. I went to purchase a XXXX of XXXX from XXXX XXXX at a nearby liquid store.. Then the day after I proceeded home to then search for the wallet which by then was clearly missing and I called my XXXX bank to check my card status and it said XXXX XXXX So it clearly was getting spent by there second on groceries at a XXXX by XXXX high school.. I just want to know how I can go about getting my money back and or prosecuting whoever did this

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 08-07-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax refuses to remove unverifiable negative information on my credit report. They continue to show a charge off of an XXXX, unsolicited account, # XXXX, claiming I was a personal gaurantor on this account. I have repeatedly requested both Equifax, and XXXX, to show me ANY documentation with my signature as gaurantor, in any capacity on this account, and they have not been able to do so. Both XXXX and XXXX have investigated this issue, and have removed it completely from my credit history. I am respectfully requesting that you look into this matter with Equifax, and if as they claim, have signed documents that I was personal gaurantor on this unsolicited corporate account, to please mail me said documents so that I may see it for myself. Other than that, I feel you should require that Equifax remove this item completely from my credit history, just as XXXX and XXXX have. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX : XXXXXXXXXXXX : XXXX, Acct . # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Loan documents had spouses name added after the closing date. Her name was wrote in after the closing date and signature forged on loan documents. Also Notary falsified documents stating they were at the closing. -- The Notary was not present at closing. -- Some documents by Notary state closing took place in XXXX XXXX and another document states the closing took place in another XXXX hours away from place of signing at closing.This information was found after our attorney requested information from Wells Fargo about our payments not being applied and always showing me as a late payer.Have tried for several years to refinance else where but because Wells Fargo falsified payment information other lenders could not refinance us. We recently hired an attorney and because of this they have accelerated our mortgage and are trying to foreclose our home. Once again not trying to work this out. We have been paying on the loan for ten years and due to there record keeping practices we supposedly have only paid off {$5600.00} towards the principle?? Yet we have paid {$90000.00} in interest? I could keep writing for awhile about the other stunts they have pulled on us from XXXX to XXXX. We are slaves to them and now they are trying to foreclose even though we have proof of making our payments on time.We tried to get a loan modification and after being turned down for not sending docs in on time .The XXXX different times they requested the same docs we had sent numerous times previously we were kinda given a loan modification. ( They gave us a balloon payment due at the end of the note and increased our principle balance by {$4500.00}. NO interest reduction and a second Mortgage ) Some modification huh? But I was told after paying on the modification payment for eleven months successfully that I had paid late the last month and lost the Modification.?? So I am deeper in debt than I was before the Modification. This company is a predator, dishonest and full of greed. WHAT HAS HAPPENED TO AMERICA? We are hard working, WE do not work the system. We do not live beyond our means We do not waste money on unnecessary things. Is it to much to ask that when you buy a home and make your payments, That your mortgage company applies your payment? Then when you question there accounting they try to sneak a fore closer sale behind your back while saying they are looking into your concerns. They have to be stopped other wise other honest, hard working Americans will suffer.

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 09-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an inquiry on my credit report that i have been disputing for several months. I have asked for proof that I submitted for credit and nothing has been provided to me. I do not recall applying for credit and the company has responded with nothing to supply to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Vehicle loan or lease (Loan) with Cars America Inc. (NV).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: XXXX XXXX of XXXX, XXXX whom then became XXXX XXXX XXXX XXXX and Finally Sold out to Cars America located on XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

Cars America Repossessed my XXXX XXXX XXXX on XX/XX/XXXX claiming that I was not supposed to leave the State with the car. I moved from XXXX to XXXX due to a Job Opportunity. XXXX XXXX was my only means of transportation. I was never told nor informed that taking the vehicle out of the state of XXXX was not allowed. 

Back in XX/XX/XXXX when I electronically signed the Contract, the Sales Manager at XXXX XXXX XXXX XXXX never disclosed the " no leaving state clause '' she was only INTERESTED IN THE {$3000.00} DOWN PAYMENT I had with me. 

I did not electronically signed anything specifically in regards to and/or acknowledging the " not leaving the state of XXXX '' clause. 

Also, they sold me a vehicle with FRAME DAMAGES ... ... in XX/XX/XXXX, my car was hit while unoccupied " hit & run '' and upon removal of the Right Front Fender it was discovered that the vehicle has FRAME DAMAGE when I informed XXXX XXXX XXXX XXXX they said that I should have check the vehicle before signing the contract.. how am I supposed to check the FRAME? They should 've never put this car for sale with FRAME DAMAGES as it is not allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX purchased account # XXXX from Syncb/Dillards XXXX XXXX XXXX XXXX FL XXXX, which was opened XXXX XXXX and first reported to the Credit Bureau oh XXXX XXXX. XXXX XXXX changed my Date Opened to XXXX XXXX and First Report date to XXXX XXXX. I filed XXXX disputes with the Credit Bureau and they failed to properly investigate this matter, I called XXXX spoke with XXXX XXXX employee # XXXX tried to explain to him they are reporting incorrect information to the credit bureau ( the date open is incorrect, last balance is incorrect ) and I would like to have this inaccurate account removed from my credit report, he said he had no way of removing the account and the only solution he offered was to reopen the account to collect more money from me. I would like a investigation done on my behalf because the credit bureau is not do their job in fully verifying the information is

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 08/30/2017 about Debt collection (I do not know) with SERVICELINK LOSS MITIGATION SERVICES (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX XXXX, by way of SeriveLink, LLC, recorded an unsigned, unverifiable, QuitClaim Deed in error, falsely, misrepresented, in XXXX XXXX XXXX of Deeds. As the Secured Party Creditors, and the holders of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX XXXX XXXX XXXX, their alleged claims and/or requests prejudice my rights, titles, and interests in regard to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. For me to provide them with a remedy, I conditionally accept their offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof that the property is acquired by a new entity, 2. VERIFIABLE Proof of a copy of your lease ( even if expired ) or any other proof of your right to occupy the property, 3. VERIFIABLE Proof that the property in which I reside has been foreclosed, and 4. VERIFIABLE Proof of Proof of any security deposit paid and/or copies of cancelled checks or other proof that shows payment ( s ). 
5. VERIFIABLE Proof of any rent/lease payments and any other correspondence related to my occupancy of the property. 
6. VERIFIABLE Proof that a contract exist with any of the said parties.

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 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested debt validation for an account and have gotten no reponse

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We applied for the home equity loan in early XX/XX/XXXX. XXXX XXXX  received all of the necessary documentation that he thought would expedite the loan process. The Appraisal came in at ( appox {$410000.00} ) a lot lees than what we felt our home value is. It was based on properties, with less sq footage and acreage. I called XXXX XXXX about the appraisal and he stated they could only use properties within 5 miles, that were sold in our area during the last 6 months. Not sure if this is accurate or just an excuse.
Attached is the email I sent to the Chase Mortgage team onXX/XX/XXXX. We did not get a response to my email. I sent another email to them onXX/XX/XXXX, since they had previously requested withdraw information from my 401K. Again no response.
Attached is the final email I sent to them regarding I our intent to not proceed with the home equity loan # XXXX. I followed up with a personal phone call to XXXX XXXX  and confirmed our intentions concerning the loan with him.
On XX/XX/XXXX we received a statement of credit denial, termination or change. We feel this statement could show up on our credit report and have a negative impact. The statement states ( we are unable to approve your application at this time, for the following reasons : 1 ) Value type place or condition of collateral insufficient or unacceptable. 2 ) MI is not available?
I called XXXX XXXX on XX/XX/XXXXabout the statement. Left a message on his answering machine and to date have not received a call back from him.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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: This Letter was sent the the XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on these accounts, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Terms as " {$0.00} Single Payment '' on Transunion and Equifax 2. You verified High Balance as " {$2000.00} '', on all account beginning in XXXX, which is not correct 3.  You verified High Balance as " {$4400.00} '', on all account beginning in XXXX, which is not correct 4. You verified account status as " Transferred, closed '' 5. Date of Status hasn't been updated since XX/XX/XXXX on Equifax 6. Date of XXXX hasn't been updated since XX/XX/XXXX on XXXX 7. Actual Payment Amount is {$0.00} on XXXX  and XXXX  8. Actual Payment Amount is thousands of dollars off on all accounts on Equifax compared to High Credit 9. Account Status on XXXX  and Equifax is " Collection '' not " Paid as Agreed '' 10. Account Status of " Collection '' starts on XX/XX/XXXX on XXXX, I was still in school. 

Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion, incorrectly entered XXXX new entries that they were not there on the XX/XX/XXXX report and all XXXX are incorrect the XXXX liens were released in XX/XX/XXXX Docket # XXXX and XX/XX/XXXX Docket # XXXX See Attached IRS refunds of all penalties and interest Also the XXXX has been illegally reporting me and file a Judgement on a wrong account that is not mine and is over XXXX years old all of it must be removed

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