milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX and XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: After 5 years on Heloc for my property and not other mortgage on it .I applied for a renewal of the loan. The procces started about 70 days ago.After being pre -approved and meeting several demands from the bank TD BANK. They failed to follow due proccess and declined my application based on wrong information based on untrue facts.TD bank after being notified several times about the wrong information .promised several times to make the correction but failed to actually do so. My Loan processor and the supervisor have conspired to get my loan denied by ignoring the true information and assuming wrong information. example : They stated that my home is a commercial property therefore no qualified for the loan. Despite being notified about the error several times by the bank local branch, by email, ( see enclosed records ) The Bank systemically look the other way and failed to give a a fair chance to get access to a home loan renewal.There have been a disregard for the fair housing law and the rules for a equal lending opportunity. 
Example : The loan was denied for having insufficient collateral, It was later found that the property appraisal and loan was excellent to their own admission. 
in Summary Td Bank have run my application at XXXX with a diligent manner, But shortly after with disregard for costumer care and with a obvious intention to deny the loan despitemy qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I sent letter to Experian on XXXX which was received on XXXX. Experian responded by saying that my letter was considered " suspicious correspondence '' and that no disputes will be initiated. I will be sending a follow up letter with proof to show that this is a legitimate ask. At this point, it has been XXXX days and nothing has been done yet outdated items remain on my credit report, negatively impacting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau Incorporated (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection Bureau INC for ( Law Office Of XXXX XXXX ) is reporting a debt that I do not owe on my credit report for {$960.00}. However this debt is not valid since I never signed a representation agreement agreeing to any of these charges ( attached copy of original agreement thats NOT signed ),. This company only has a statement of account ( attached ) for multiple invalid, non contractual charges.

Company response to consumer: Closed
Consumer complaint received 12/14/2015 about Debt collection (I do not know) with SCA Collections, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this company has continued to collect on a debt that is not mine the account was created as a result of my identity being stolen i have had to get a police report id theft affidavit notarized and i gave them copies of my id and ss card all of this i emailed to XXXXXXXXXXXX and faxed to them as well @ XXXX about this fraudulent account that needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Using a debit or ATM card

Complaint: While I was traveling my Debit card was fraudulently used for online purchases to XXXX and XXXX. 
I was able to obtain demographic & personal identification information about the person ( s ) who fraudulently used my card. 

I want to make official report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: After 22 years of membership with American Express, suddenly for the last 3 months it looks like my payments made every XXXX of the month are not being properly credited, and when they recently called, the request was simply made for a printout of payments versus charges for that last 3 months. Not received, they want you to utilize their normal online billing statements which when you pay do not even show the last payments. How hard can it be for XXXX XXXX to make their billing and payments clear to the customer, and to email a simple charge for this month and paying for this month accounting by email. 
XXXX XXXX XXXX Further in the attached jpeg of dispute against XXXX XXXX, XXXX XXXX gives an expected date of resolution as XX/XX/XXXX, that is too slow.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are several accounts reported on my credit from XXXX that are not my accounts. I was a victim of Identity theft in 2013. XXXX will not remove the items from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On or about XX/XX/XXXX I started an investigation of unauthorized inquires on my XXXX and Transunion credit reports. These companies investigated accounts instead. Additionally Transunion DELETED and account I never ask them to investigate. This is a ridiculously gross violation of FCRA. Removing a legitimate account from credit file is illegal and damaging to say the least. Both companies are in violation of the FCRA in that they exceeded the 30 days to investigate my concerns. 
The items are below : XXXX INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX not mine Transunion INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized

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 09/22/2017 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: Investigation took more than 30 days

Complaint: My wife and I sent investigation requests to the credit bureaus in early XXXX. We have yet to receive our deserved responses.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX my father was found dead in his home in XXXX. Has his eldest daughter the responsiblity fell on me to see that he was laid to rest respectfully, has a result i had to take time of from work take my kids out of school and go to XXXX to make the neessary arrangements. My father was laid to reston XX/XX/XXXX, however this event cause me to fall behind on my mortgage and other bills. Since then it has been very strenuous for me to get caught back up on my mortgage resulting in my action to file bankruptcy which was discharge. Upon my bankruptcy discharge i filed for a loan modification with my mortgage company whish was approved on XX/XX/XXXX. The aggreement was that i was on a trial period plan and that i must pay {$650.00} on XX/XX/XXXX ,XX/XX/XXXX and XX/XX/XXXX and when those payments are made they would send a some documents for me to sign that will finalize the loan modification. After making XX/XX/XXXX and XX/XX/XXXX payment on time i received a letter stating that i was denied my loan modification due to not signing the trial agreement. I call Ocwen to let them know that i didnt received any such documents and if i did why would i not sign it. I explain to them that this is my home and the only home my kid have why would i not sign that papper and send it back. I keep telling the man on the phone that i never received the document he then said to me that it shouldnt be a problem he reasure that all would be ok and that he will email me the form to sign and fax back to him which i did that same day on XX/XX/XXXX. I call back a few days later and i was told that i have to apple for the loan modification all over again which i did and i seem to get is the run around and no answer. Now i was summons a forclosure notice which im trying to get help with. At this moment i dont know what to do or where to go. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Quicken Loans charged a bogus attorney fee by calling the fee item as " Advances On Your Behalf ''. Actually Quicken Loans has never and ever notified me about the fee or had my agreement in advanced.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian credit bureau reinserted the XXXX account back on my credit report after it was already deleted. The account is not mine and needs to be deleted from my file.

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 06-02-2015 about Debt collection (Auto) with Vital Solutions, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2014 I entered into a settlement agreement with Vital Recovery. The terms included making XXXX of the past due balance and the account will be settled. Terms also included removing past negative marks and tradelines on my credit report. XXXX XXXX has completely removed the prior payment history on XXXX however they have not honored the agreement to remove the tradeline from XXXX, XXXX and XXXX. It 's been a year and I would like the credit reports updated immediately per the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (I do not know) with CONTRACT CALLERS INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: receiving calls on someones dept on my phone from contact callers int. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am asking the CFPB for help for which purpose it was created by XXXX to protect us from " Debt Collectors and THEIR ATTORNEYS '' ( Nationstart Mortgage LLC and " XXXX XXXX XXXX '', XXXX XXXX XXXX ), who have submitted fraudulent paperwork stating that these submitted papers are the factual basis by which they have STANDING and the right to collect. 
We are exercising our right in the DOT under the Borrower 's Covenant where it is stated. BORROWER WARRANTS AND WILL DEFEND GENERALLY TITLE TO THE PROPERTY AGAINST ALL CLAIMS AND DEMANDS, SUBJECT TO ANY ENCUMBRANCES OF RECORD. 
# 1 The Corporate Assignment BY MERS OF THE DOT dated XXXX XXXX, XXXX is a " COPY '' NOT RECORDED IN THE XXXX XXXX RECORDERS OFFICE # 2 The recording was requested by XXXX XXXX XXXX, a fabricator of fraudulent documents # XXXX The recording is to be mailed to Nationstar Mortgage LLC A-The fraudulent submission of this Corporate Assignment of the DOT dated XXXX XXXX by Nationstar Mortgage LLC and XXXX XXXX XXXX, XXXX XXXX, indicate that the parties have submitted evidence indicating that for Good and Valuable Consideration (??? ) that they are now the owner. Nationstar Mortgage LLC XXXXNationstar Mortgage LLC and XXXX XXXX XXXX, XXXX XXXX, with the submission of this evidence indicate that they are the owner of the DOT XXXX However, a subsequent official recording in the rightful XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, seems to indicate another Corporate Assignment by MERS this time to XXXX Bank XXXX This is over 8 years after the fact. 
Question ... ... .How many more Corporate Assignments can take place? 
If Nationstar Mortgage LLC, attorney XXXX XXXX, do state that this is the prove of their legal beneficial interest in this DOT and STANDING, they should not hesitate but sign an affidavit according to these facts. 
Are they the Holder in DUE COURSE, not just the Holder? 
Are they representing the Lender? 
Who is the Lender? 
Or are they representing the the beneficial party in interest? 
The reason the CFPB was created is to stop excessive abuse by debt collectors. 
Nothing will do until they will sign affidavits according to their rightful Standing or stop presenting fraudulent papers and commit fraud on the court.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Closing on a mortgage

Complaint: We have been trying to obtain a mortgage discharge for two months from Bank of America. They did provide us with a copy of a lien release but it was incorrect. We have been requesting a corrected mortgage discharge from Bank of America on a daily basis and we are not getting results.

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 10/24/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, I am writing you and regards to recent issues we have been having with Wells Fargo 's property loss department. We had a hail storm XX/XX/XXXX which left our property in need of repairs. Our insurance company XXXX XXXX assess the damage and issued a check so we could repair the damages. Because of the amount of the damages I was told the check would be issued to Wells Fargo and me. This is where my nightmare begins. My daughter and I contacted Wells Fargo to inform them of the damage and to find out what are next steps needed to be. The lady we spoke to informed us of all the information we needed to fax over including what we needed to fax for an exemption so we could have the funds released to get the repairs done in the quickest time possible due to Winter and bad weather impending. We were told it would take 2 days for them to get the facts and then another five days for them to make a decision. We did n't hear back from them like we were told we would and called them back. We were then informed our request was denied with no logical explanation or Reason. Every time we have called we speak to somebody different who does n't know what 's going on and are told that Wells Fargo need some other paperwork we were never told we needed to send in. The latest thing Wells Fargo has requested as a copy of my personal will due to my husband passing. Wells Fargo was informed of this 3 years ago and a copy of his death certificate was sent in with the initial paperwork they requested. But looking online there are hundreds of complaints about Wells Fargo property loss department not releasing insurance claims to people. Wells Fargo has no right to a copy of my personal will nor do they have the right to deny my funds to get my property repaired. I have never been late or missed a mortgage payment at Wells Fargo does n't trust me to fix my property. I find this quite ironic considering the fraud lawsuits they 've been in recently. This whole situation has been extremely frustrating causing me a ton of worry and loss of sleep. I have XXXX grandchildren living in the house and fear everyday the roof over their bedrooms is going to fall in due to the damage is Wells Fargo is preventing us to get repaired. The repairs need to be completed as soon as possible to prevent any injury to any of my family members. I greatly appreciate any help you may be able to provide regarding my problems with Wells Fargo 's property loss department. 
Thank you in advance, 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 explanation
Consumer complaint received 07/17/2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I purchased my   XXXX   XXXX   XXXX   in    XX/XX/XXXX  with a 66 month auto loan from   XXXX   XXXX   XXXX  . The percentage was 22 % interest. The loan amount was for {$15000.00}. It has been 73 months and I have paid them {$21000.00} so far for this car. They tell me I have a balance of {$14000.00} that they say I still owe them. As a result, when I am done paying for this car I will have paid them more than {$36000.00}. According to the contract, the total number of payments they were to receive after the 66 month term is {$27000.00}. The extra amount they are telling me is due to interest which is charged at $  XXXX /day plus a monthly late fee of {$20.00}. During this loan, I was out of work once for recovery from   XXXX   and again for loss of job. Therefore, I have had to have extensions on my loan. I have been struggling to pay this down at a $  XXXX /month payment fee. I can not get ahead because they are always putting extra fees on my payments and then they call me and harass daily and threaten to repossess my car. I have paid this loan for 73 months now and they are telling me that as of XX/XX/XXXX , my contractual loan with them will be done and they will charge me a balloon payment of over $ 10K! I have offered to settle this debt for a lump sum of {$5000.00} and was told that they would not consider less than $ 11K! This is an impossible debt and it is a predatory lending at its worse!

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