milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I, XXXX XXXX called in and spoke directly with XXXX XXXX ( XXXX ) XXXX XXXX, whom Wells Fargo Home Mortgage Executive appointed as my point of contact. Due to her lack of understanding and knowledge to grasp the simple requests I made in previous correspondence and her inability to control herself when engaged in a conversation, playing semantics ( constantly talking over the client, to attempt to control the conversation ), I hereby request a different point of contact. It is my observation that the representatives are trained to become passive aggressive and combative, in an attempt to upset the mortgage holder. In inquiring this matter with several Wells Fargo Mortgage holders, legal counsel and the XXXX organization, they all agree that this is common practice with Wells Fargo. It is my goal to resolve any and all confusion when it comes to the deposits I have made, but I can not accomplish this task if I 'm not given the tools on the end of the Wells Fargo Organization to compare how they applied the money I deposited into my account towards my mortgage and my records, without them sending the records, they posses for comparison. So moving forward, I request a representative whom possess knowledge, respectfulness and professionalism, whom will listen to the concerns of the mortgage holder and resolve the problem, so that we can both move forward.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Signed up for a in store promotional credit card at XXXX XX/XX/XXXX Te deal was for {$35.00} XXXX credit on 1st purchase. 

I went ahead purchased four tires for {$320.00} at that time. XX/XX/XXXX Failed to receive the {$35.00} credit on billing statement XX/XX/XXXX. 
I called Walmart, they assured me it would be on the next bill statement. 

Now it is XX/XX/XXXX still no credit on latest bill statement. 
Made another call today, the tell me now their was some coding issues that caused latest error.

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 08-01-2017 about Debt collection (Other debt) with NCC Business Services, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: At the beginning of XX/XX/XXXX, my husband and I started the home buying process. We quickly were stopped in our tracks because of a collection account that was on my credit report. This account was from NCC Business services and this was the first time I had been made aware of this account. The apartment complex is XXXX XXXX XXXX in XXXX, NC. I paid XXXX XXXX Apartments when I moved out XX/XX/XXXX. When I turned in my keys, no one at the apartment complex informed me of any monies owed. I never received a letter, email or phone call from XXXX XXXX XXXX. I reached out to NCC Business services on several occasions. On XX/XX/XXXX, I sent out a letter requesting them to validate the debt ; they replied and sent back random pages of my lease agreement, which did not prove or validate the debt. I sent another letter on XX/XX/XXXX to once again validate the debt. The replied and sent back a ledger from the apartment complex that had numerous fraudulent charges including, but not limited to " pet damage ''. I just mention that specific one as I did not own a pet at that residence and the apartment complex verified that. I called the apartment complex, XXXX XXXX XXXX XX/XX/XXXX and spoke with the lease manager at which time she could not verify that I owed these monies and told me it was " out of her hands now that it was sold to the collection agency. '' I informed her that I never received this ledger or notification that I owed them money. Her reply was that they did n't have a forwarding address, so they could n't send it to me, although I noted to her that they did have my email address and phone number, to which she agreed. They did agree to take off the " pet damage '' charge, which they did, but would not take off the other charges. I would like to dispute this charge as it is keeping me from buying a home and it is fraudulent. I also asked NCC Business Services that if I paid it in full ( hypothetically ), would it be deleted off of my credit report. NCC replied and stated that it would not be deleted, just noted that it was " paid in full. '' This is not helpful, as the collection will still be visible to lenders and will still keep me from purchasing a home. This should not be the case. If they can not prove that I owe them, especially since they did not do a walk through on the day I moved out, this should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My complaint is for loans that I have acquired when I was a student which has been transferred to Navient from XXXX XXXX. My loans were a total of {$12000.00} but when I graduated from the University XXXX XXXX XXXX XXXX XXXX as a XXXX, I was not able to find work. This was approximately in XXXX. I was taking care of my XXXX XXXX children at a very low income average. However, I did keep communication with Navient and XXXX XXXX. It just so happened that I was charged late fees, and lack of payment with interest added. My loan grew to XXXX dollars. I have had to borrow money to keep them from reporting me to the credit bureau. In the past few years, I have paid and paid, but my balance seems to stay the same for the most part. I do believe that my account needs to be reviewed.for financial discrepancies. I may be paying money that I should n't have to pay. Also, I have found that XXXX XXXX was paid for several loans thru the Department of Education, so some of the loans that I am being charged could have been already included in my loans thru the Department of Education. My loans are being handled with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Re : Request for Investigation/ Debt Validation Request XXXX XXXX Bank XXXX Account # XXXX Sold to Asset Acceptance LLC - No Address on FileATTN : Asset Acceptance LLC / Federal Trade Commission / XXXX XXXX Bank XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from Asset Acceptance LLC debt collection agency on my credit file. XXXX Report Number : XXXX Dated : XXXX XXXX XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( XXXX XXXX Bank XXXX ) for Disputed Billing Charges and Billing Errors in XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for Asset Acceptance LLC, where were your documents submitted? To whom were your documents submitted. Therefore, I request the FTC investigate this issue. This could possibly be a fake company. 

This is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via XXXX mail at the address listed above. 
Since Asset Acceptance have now acquired this inaccurate disputed account. I am advising you that, XXXX XXXX XXXX, was never notified by Asset Acceptance LLC., of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within XXXX days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the XXXX-day period, the collector has the legal right to assume that you agree the debt is valid. 

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with U.S. BANCORP (DC).
Issue: Billing disputes

Complaint: This has become an alaraming pattern of negligence and possible intentional negligence and malice when it comes to the billing of my card with US Bank. 
Thsi pertains to the reversal of XXXX provision credis despute the bank being in receipt of my paperwork related to the disputes, failure to provide signatures/drafts or evidence of chip usage for my card, and failure to provide doucmentation that a YELP order was received ( it wasnt and they cant prove it ). 
So the provision credits that should of been permanent credits to my account are : 1.XXXX ( XXXX ) XXXX -- POssibly the most egregios. From a city in the middle of Virginia that I have never visited 2. XXXX XXXX ( XXXX ) -- -didnt authorized the charge. Please show me a signed receipt. You cant because there isnt one. 
3. XXXX XXXX ( XXXX ) I never received the food from this order. It was ordered but must of been delivered to a different address. Again no proof provided showing it was delievered to me. 
Attached you will find copies of correspondence sent to US Bank alongside a troubling letter that US Bank references " an attempt to reach me via phone '' with no reference to any matter. Saying " if we dont hear form you by XXXX/XXXX/17 we will not complete the investigation ''. Well i did call and sent multiple faxes telling them XXXX XXXX wasnt a valid charge and to give me a signed receipt. The decided to make matters worse and over turn the provisional credit before their " self imposed deadline '' of XXXX XXXX, 2017. 
I have made it clear to US Bank i will communicate in writting or email. As a small exception, I did in fact called the alias " XXXX XXXX '' XXXX XXXX but alas no one was available. It was all in vain as US Bank had olanned on reversing the provisional credit for XXXX XXXX all along. 
This was a calculated, premeditated act by US Bank. 
Please see copies of communication with US Bank on this matter.

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 monetary relief
Consumer complaint received 03/28/2016 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company constantly calls my cell phone sometime 2 times a day. They use the call back number of XXXX and XXXX.They leave no message on the answering service. on the XXXX number 11 times since XX/XX/2013. on the XXXX number at least 15 times and the XXXX number 5 times.I do not want to receive any further phone calls on my cell phone.They have called after XXXX and before XXXX violating fcra regulations

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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting a credit line without any legal authority. They are reporting this fraudulent criet to harass me and adversely effect my credit rating. XXXX had maintained they were transferred this account from XXXX XXXX XXXX. At the time the account was allegedly transferred, XXXX XXXX XXXX did not show any activity afterXX/XX/XXXX. However, once transferred to XXXX in XX/XX/XXXX, they started their account history in XX/XX/XXXX with a 120 day delinquency. XXXX  has maintained they would report this account adversely due to the pending lawsuit against their predecessor, XXXX XXXX XXXX.
On XX/XX/XXXX, XXXX XXXX XXXX admitted the Rescission Deed they filed inXX/XX/XXXXwas invalid and ineffective. Therefore they had no loan to transfer to XXXX to collect. However, this credit line should be deleted from my credit report.
OnXX/XX/XXXX, the Court declared the Rescission Deed was invalid as well. XXXX is reporting false information to the bureaus and they are aware of the most recent decision by the Court, ad they are conspiring with XXXX XXXX XXXX creating a fraud against the Court 's, CFPB, and the credit reports. I 've attached a letter from XXXX dated XX/XX/XXXX, letter from XXXX XXXX XXXX 's attorney, XXXX XXXX, Stipulation of Facts from XXXX XXXX and the Court 's order. I 'm demanding XXXX delete this credit line if XXXX ca n't prove they are legally required to report it.

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 12-10-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2016 my home was sold unlawfully at a Sheriff 's sale by HSBC Bank USA , National Association, as Indenture Trustee, of the XXXX Securitization Trust XXXX Callable Mortgage-Backed Notes, Series XXXX The foreclosure sale was illegally authorized by HSBC Bank USA and XXXX before the loss mitigation process was completed. Employees of XXXX have admitted verbally that there is no proof that the foreclosure should have taken place since the loss mitigation process was not completed. I was assigned a single point of contact ( SPOC ) at XXXX to manage the loss mitigation process since I was unemployed and recently started my own company to earn income to support a loan modification plan. Prior to the sale of the home, XXXX assigned a new SPOC, but the home was sold prior to initiating a discussion with this person. I submitted all required information to XXXX to support the loss mitigation process and was told that I would be informed of the decision. This was never done. To date, no decision was reached regarding the loss mitigation evaluation process and I told that the loss mitigation request was in review and no decision was made. Prior to the sale of the home, the lender, HSBC, was working with a local law firm to sell the home and kept issuing new documents that the foreclosure sale would occur on a particular date while the customer service division of XXXX was working with me on a loss mitigation plan to avoid the foreclosure sale. I believe this process is called " dual tracking '' and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: I am unable to access any of my money after an apparent " system upgrade ''. My payroll deposit is not posted, my prepaid debit card shows inactive on the site, and the amount listed available is a mysterious amount. No one in customer service is answering and it has been well over 24 hours. An email was sent stating the upgrade would be from XXXX Monday XXXX/XXXX/15 but I still can not access my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2016 about Debt collection (I do not know) with Franklin Collection Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed the Franklin Collection account that is reporting either in error or as a result of identity theft on my credit file many times. I have not had any success getting this matter rectified. So, I am asking for your assistance in getting this matter resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient is attempting to extort me with a very XXXX conduct regarding claiming that I owe a debt to them that I have NEVER signed ANY agreement, or documentation for with them, and they are also, In violation of the F.C.R.A. Nor can they provide ANY document that I signed with their organization in addition to not knowing who they are. I have NEVER had any private student loan whatsoever from them, or with this organization!

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Checking or savings account (Other banking product or service) with Affiliated Acceptance Corporation (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On X/XX/17 I checked my checking account and saw that there was an automatic draft from Affiliated Acceptance Corporation. This is the company that handles the payments for my son 's XXXX XXXX. I first emailed the AAC the same night, then called them the next day to speak with customer service. I explained that I have been paying monthly for over a year, and have never authorized an automatic draft in that time. They explained to me that back in XXXX of this year, I updated my card information ( which is how I have traditionally paid the bill, with a card number that was stored on their site, but that card was lost ) that I did not take my card information back out of the system, which authorized future automatic payments. Because I paid the bill ahead of schedule the following month, I never knew about the draft until this month, when I was late. I eventually spoke with a supervisor named XXXX, who was exceptionally rude, and was told that the payment would not be reversed, and that Affiliated had " no control over what you did or did n't do on the website ''. AAC then contacted the dojo the same day ( X/XX/17 ) and was told by the owner to reverse the payment and return the money. An AAC agent named XXXX called back to verify that I was not doing a stop payment through my bank, and that she would reverse the draft. I called back that evening and was transferred to XXXX, and clarified at that time that a stop payment had not been done. XXXX then confirmed that she had taken care of the issue and that the payment should be returned to my bank within 1-2 business days, but no later than Monday, X/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (TX).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: this ripoff loan company named big picture loans run by some XXXX tribe some where is sending me these pre screened offers every week even though I have opted out at all 3 credit bureaus 4 different times in one year. I have constantly contacted these people to take me off there mailing list and they always tell me that they do n't have to go by gov regulations because they are a federally recognized XXXX tribe. I do n't believe that to be the case. any one that would get a 843 % loan from a XXXX tribe is out off there mind.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (MN).
Issue: Trouble during payment process

Complaint: I would like written documentation indicating who should be named on my Homeowner 's Insurance Policy as the Mortgagee. The company keeps telling me it should be Lakeview Loan Servicing, but they have been unwilling to provide evidence or written documentation to back up that statement. In addition, I have gotten statements over the past year from both Lakeview Loan Servicing and XXXX, so I am not sure which, if either of these two companies should be named as the Mortgagee in my homeowners insurance policy. When I dealt with this company this past summer requesting the removal of my PMI, they told me that the reason it took you over 60 days to respond to my request was due to the fact that they were just the loan servicer and could n't make any decisions themselves, which makes me wonder whether they should be named as the Mortgagee on my home owners insurance policy.

Further, I requested this information on XX/XX/XXXX and was told it would be sent that day. I never received this documentation. I have now waited over a month and have received nothing. This needs to be provided asap as I have an insurance check that I need to have endorsed in order to pay for repairs that I have paid for out of pocket that were covered by my insurance policy.

I have basically perfect credit. I am years ahead on my loan payments and still this company treats me like I do n't matter and am requesting something ridiculous. I have a contractual obligation under my mortgage to name my mortgagee on my homeowner 's insurance policy as the mortgagee, and this company can not provide me the basic assurances or evidence that would substantiate that I have the correct company named in my insurance policy so that I can be certain I am complying with my contractual obligations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Other

Complaint: Around XXXX of 2015, Citi Bank advertised a signing bonus of XXXX Thank You points. To receive such signing bonus, according to the linking page which I took a photo, no spending is required. I applied during the promotional period using the application link provided by Citi website and was approved. However, despite repeated inquiries, Citi has yet to post the signing bonus to my account.

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