milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX my husband and I was a customer of XXXX Mortgage and then XXXX XXXX XXXX purchased the account. Since 2014 around about XXXX we asked for a home mortification and learned XXXX XXXX XXXX was told by The State Attorney Office in a Lawsuit to help people keep there homes in XXXX 2014. XXXX XXXX XXXX sold our account to Shellpoint Mortgage again we were told to submit paper to work to help us save our home. No one at XXXX Mortgage has worked with us, all income and bank statements proved we have gotten back on our feet to save our home. We have left messages and again no one will help us. My husband received a XXXX and we got behind while he was recoving XXXX. We need the help the was promised to us!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with The CBE Group, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sold a smart phone through XXXX. I did this because XXXX offered me a {$40.00} account credit. After selling the phone, my account was never credited and I was charged a {$31.00} listing fee. I disputed this with XXXX multiple times but they would not credit my account and charged my XXXX account for the {$31.00} listing fee. I disputed this transaction with my credit union and provided them documentation which showed I should have received a {$40.00} account credit and that I did not owe XXXX the money. The credit union was in favor of me and I did not have to pay. I have now received two letters from two different collection agencies attempting to collect a {$31.00} charge. I have sent two dispute letters back to them. XXXX keeps hiring different collection agencies to try to collect the balance that I do not owe them and that my credit union agrees I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX and XXXX someone made several transactions using my sons account that I am listed as a co-owner of. There was a {$500.00} cash deposit, followed by visits to XXXX Wells Fargo offices in XXXX XXXX and XXXX all within XXXX minutes of each other to cash checks. The majority of those funds were received as cash back with the rest being deposited into the account. 

The transactions are as follows : XXXX XXXX {$500.00} cash deposit at Wells Fargo XXXX XXXX XXXX XXXX {$620.00} check deposit with {$490.00} cash back Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GA at XXXX {$610.00} check deposit with {$490.00} cash back Wells Fargo XXXX XXXX XXXX GA at XXXX {$620.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX GA @ XXXX {$610.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GA @ XXXX {$650.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX GA @ XXXX {$650.00} Cash deposit with {$490.00} XXXX XXXX XXXX XXXX XXXX GA at XXXX {$300.00} withdrawal at NON- wells Fargo ATM at XXXX XXXX XXXX XXXX GAAnd on XXXX XXXX, {$300.00} withdrawal at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GAMy son and I requested a fraud investigation with Wells Fargo that they have closed ever after admitting that it was not my son at surveillance making these transactions. They closed the ( ATM ) case previously after comparing surveillance for XXXX transaction I reported against a second transaction I reported concluding that the pictures matched. I was told that case was being reopened but I can not find any evidence that it was actually reopened. The ( edeposit ) case was simply closed because his ( reported ) debit card and PIN were used to make the fraudulent transactions. After speaking with a supervisor, I was told that it was going to be given a second look and called back ~ XXXX hours later with the news that it was being closed again. The reason I was given was because they had picture/video of someone other than my son making a authorized transaction ( {$50.00} deposit ) on XXXX XXXX. Thereby, essentially giving up his rights to claim fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: the transion is tacking {$17.00} OUT OF MY CHECKING ACCOUNT FOR THE LAST TWO MONTHS AND IVE NOT GIVING THEY PERMISSON TO.SOME ONE HAS STOLE MY BANK ACCOUNT NO AND GIVE IT TO THEM I WONT THEM TO STOP TACKING THE MONEY OUT MY ACCOUNT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Managing the loan or lease

Complaint: I took out a loan with Big Picture loans for a total amount of {$600.00}. I received the funds on time with no problems. Then when it came time for me to have the funds taken out for payment for some reason on THEIR end they suddenly do n't have the correct bank account information??? And now I am being charged extra fees on top of the original agreement with no communication or knowledge of why I have the extra charges. So essentially I am being penalized for THEIR mistake!!! I have asked for a letter in writing describing the reasoning for the charges. So I do n't know if they will respond? Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: On XXXX, I sent TransUnion the attached letter requesting re-investigation into a closed account and it 's inquiry and the results I received ( attached ) was deletion of an accurate account instead. Please delete the correct unauthorized inquiry as well as the subsequent closed account and reinstate the account that you deleted in error. Thank you.

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 01/26/2017 about Student loan (Non-federal student loan) with AES/PHEAA (WA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My wife had been XXXX for the last 4 years and this has lowered our monthly income. AES has been unwilling to lower my monthly payments or place me on deferment and this has led me to be late and behind with my payments, so they sent me to collections. 
What I would like to do is pay my past due amount ( using my income taxes ) in order to be current, I 'd like them to remove me from default status ( and take me out of collections ) so that I can look into consolidating, and for them to work with me on a lower monthly payment. Currently it 's $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have noticed several inquries being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX, XXXX XXXX  submitted a inquiry on XX/XX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed this Bankruptcy information previously and it could n't be verified and was removed from my credit file, I see it has been added back on to my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am responding to a letter I received from Experian. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they think my letter is suspicious. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Prior to sending in my letter, I carefully reviewed Experian 's website to figure out exactly what I needed to do to file a dispute and included all information necessary. 
I need to know what made my letter " suspicious '' and if Experian could provide me with an example of a letter that would be acceptable to them since the one I wrote is not good enough. 
I work very hard all day and can not afford to take time off to dispute my accounts. I also do not have the money to be represented by an attorney or any other agency. 
I would like Experian to respond to my letter the same way they would if I called them by phone or disputed something online ; I just want them to permit me the right to have my accounts properly investigated for inaccuracies and errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am currently in the process of trying to purchase a condo in XXXX. In order to do that I need to get a loan ( FHA/Conventional ). In talking with a couple of different companies ( XXXX XXXX, XXXX, XXXX ) this month ( XXXX XXXX ) to get a loan, they informed me my credit score was just below the threshold to get the loan. While investigating my credit report, I noticed there was a charge for {$320.00} with XXXX XXXXNeither XXXX XXXX or XXXX would identify who they were. However while talking with XXXX XXXX, they informed me that XXXX XXXX is a 3rd party collection agency. They informed me of this XXXX. Upon informing of this I placed a call to XXXX to verify what the debt they were trying to collect was for. They informed me it was for a debt on behalf of Brandsmart. 

So I spefically called Brandsmart XXXX to find out what debt is owed and if so how. After speaking with two different locations, I was redirect to the customer service department. Customer service department referred me to Synchrony Bank who handles all of Brandsmart 's payment/billing/processing/etc. I asked the representative do you have any paperwork, bills, anything showing that I owe this.I informed him that I have n't had an active Brandsmart card in 5 years because bill had been paid off. Then they deactivated the card due to inactivity. The representative could not provided any information either and referred me to XXXX XXXX who has the account for collection ( whom I have also filed a claim against ).

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 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/2018, my daughter attempted to withdraw {$200.00} from a XXXX ATM XXXX XXXX XXXX XXXX Texas from my American Express Serve, prepaid card. The ATM displayed several error messages like card reader issues. Her last attempt she stated the machine made sounds as if the money was transmitted, however the cash never dispensed. I contacted American express and initiated a dispute. I faxed the required documents at least twice within the ten day time frame. On XX/XX/18 American express completed their investigation stating the ATM confirmed the withdrawal. On XX/XX/18 while using the same ATM the machine displayed the amount requested of {$500.00} was too large, I then requested {$400.00} and the same message appeared. I lowered my request to {$100.00}. The machine made sounds as if the money was dispensing. Took longer than normal. Finally a message appeared on screen stating they could not dispense the cash and to contact my bank. I contacted American express again regarding both transactions and I am awaiting response. I attempted to contact them on the first dispute but their automated phone system continued to drop calls. I also requested a copy of their investigation report and have been refused that copy.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: In XXXX 2013, in signed over my property to Lender Nationstar Mortgage. I was told that I must vacate property which I did. I continued to get utility bills and contacted lender. They had no response to my concerns of these bills. after a year they informed me that the DIL was still in process. I asked about the bills but they had no answer for a. After I contacted consumer affairs, the lender sent me a letter informing me to destroy the bills coming in. Another year past and they informed me they needed verification that federal liens were lifted. I sent several copies showing liens were lifted. My case went through several agents and each time I felt like I was starting over. XX/XX/XXXX I rceived documents that the property was being foreclosed but all along I was being told the DIL was still being processed. In addition, the utility bills were still coming and now I have a XXXX within the County were house is located.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I purchased our XXXX home in XXXX through Wells Fargo Home Mortgage. Our home flooded in XXXX, XXXX and XXXX. We decided in XXXX to move out due to me being XXXX with our XXXX child and the house being unhealthy to live in due to XXXX. We were told the house was going to cost more than it was worth to fix it. We paid on it for a year after we moved out because we were unsure what we would do. We decided after that year we would try a short sale, when that did n't pan out we decided foreclosure was our only option. We went through the process and the house was put up for auction and foreclosed on on XXXX XXXX, XXXX. My husband is a veteran and we were told that it may be possible after XXXX years to try to purchase again through the VA. We called a friend in the mortgage business to see about being pre-approved and found out our names are still on the deed to the home we no longer own. It was a third party buy back by Wells Fargo XXXX the original lender ). I have called them, they had me call the foreclosure attorneys XXXX and XXXX. they informed me that HUD had n't given them instructions on what to do with the home due to the fact it is damaged. I called HUD and they told me to call the XXXX and they sent me to you all. We need our names off the deed of this home to be able to purchase a new XXXX. The house we live in now is a rental and the rent is going up in XXXX of this year and we will not be able to afford what they are raising it to. We really need to be able to purchase again so we wo n't run into a living situation when that time comes around when our landlord raises the rent. Thank you in advance to any solution that can be brought.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had originally contact Experian on XX/XX/2017 regards to numerous unknown inquiries sometime multiple and asked them to investigate or remove the inquiries the customer service rep was uncooperative and said I need to contact the companies in question. I advised them I did already reach out and also have sent letters with no responses. Experian was still unwilling to assist me and said they will not accept my dispute. inquiries : XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian has a XXXX XXXX XXXX XXXX   showing with issues and the loan was done in fraud by XXXX XXXX XXXX XXXX There are documents forged and not a legal binding contract nor is the instrument by XXXX XXXX XXXX XXXX   legally binding. 
I need by Experian legally proof and the documents proven legally sign by the party as it states personally appeared before. Need proof of Signature as Authentic by me. 
I have attach copy of the document and its what's make/makes the instrument legally binding for the debt. 
If Experian cant prove the document is my Authentic signature I will pursue to add them in my lawsuit as errors or information as showing false/Forged by what ever 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 03-05-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to pay mortgage

Complaint: on XX/XX/XXXX I called in to Wells Fargo to let them know that I was going to be a little late ( not 30 days ) due to 16 people that I had in my house effected by the hurricane and the expense that it took to take care of the situation. 

I was then told, " oh.XXXX XXXX  we have a program to help those effected by the hurricane. A 3 month relief that will wave three months payments, late fees, and will not harm your credit.

I said : I do not want to do that if they were not able to defer the payment. 

she said, '' no. no. no. that the program was set up so we did not have to worry about the payment, so we can concentrate on getting passed the hurricane situation. the program was not in full but that there would be options at the end of the program that we would be able to go over. 

I said again that I did not want to do it if they were not able to defer the payment. 

she said that was one of the options but that the investors had to review my situation to make sure that I qualified for that. 

During the time of doing this program I have been constantly harassed about collecting a debt? that in the middle of the program the investors took away the deferment and instead were doing a modification. constant times I told them that was not said at the beginning and if I knew this was the situation I would of just took the XXXX fee and told my family I couldn't help. I have since gone threw three different case managers, all that do not know what is going on but specialize in deflecting the situation at hand.

I have had my credit hit 80 points twice effecting me getting into a vehicle. Have letters put on my door and mailed to me about foreclose and collecting the debt. I then get the statement from wells Fargo that I elected for the program but have to remind them that I didn't call and ask for assistance, initially turned down the program and was pitched a second time. I have told them that what was told to me from the beginning and that if I knew it was not a possibility then I would not of taken them up on the offer. I have told them that all conversations are recorded and for them to go back and listen. I feel that Wells Fargo is taking advantage of a situation for profit purposes. This is not right. I have never missed a payment, no bad remarks on my credit for it and here and being forced to do something almost since I do not have the money to get the three payments to them. 

They then call me and say that I was approved for a modification? I was alike approved I never applied. They then began to tell me that the interest rate was being rasied and they were going to stretch my loan back out to 360 months but the payment was only going to decrease XXXX dollars. so much doesn't add up and with getting three different reps nothing is the same when they call.

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 05-10-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Closing/Cancelling account

Complaint: acct closed with XXXX balance due and still showing under my XXXX credits bureaus was also included under chapter XXXX bankruptcy. please removed this acct.

Company response to consumer: Closed with non-monetary relief