milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (HI).
Issue: Managing the loan or lease

Complaint: WELLS FARGO DEALER SERVICES IS REPORTING A PAID OFF LOAN AS PAST DUE NOW FOR 24+ MONTHS TO ALL XXXX CREDIT BUREAUS - FILED A BOGUS BK XXXX CHAPTER XXXX CLAIM - COLLECTED PAYMENT EVEN ON A DEBT EVEN THAT IS NON EXISTENT - CONTINUES TO VALIDATE A DEBT WHEN DISPUTED WITH EACH CREDIT BEAUREA VIA ONLINE DISPUTE PROCESS AS I POSSES VEHICLE TITLE SHOWING NO LIEN HOLDER, MY INSURANCE COMPANY HAD PAID THE LOAN OFF IN FULL BACK IN XX/XX/XXXX, I HAVE PROOF OF THE CLAIM FROM MY INSURANCE COMPANY OF THE CHECK NUMBER WELLS FARGO DEALER SERVICES RECEIVED, THE DOLLAR AMOUNT OF THE CHECK THEY RECEIVED, THE CHECK NUMBER, WHEN IT WAS CASHED, THE PAYOFF AMOUNT, ALTHOUGH WELLS FARGO RELEASED THE TITLE AND IS NO LONGER A SECURED LIEN HOLDER, HAS NO LOAN AND HAS FULL PAYMENT, THEY REFUSE TO FIX AND CORRECT MY CREDIT REPORTS AND CONTINUE TO REPORT A BOGUS PAST DUE AMOUNT ON A CHARGED OFF LOAN THAT WAS PAID OFF IN 2011 WHICH IS AND HAS RUINED MY CREDIT AND ABILITY TO OBTAIN CREDIT SINCE XX/XX/XXXX, AND I HAVE ATTEMPTED TO CORRECT IT THROUGH FORMAL BUREAU DISPUTES YET THE CREDIT BUREAUS CLAIM THE AMOUNT IS VALIDATED SOMEHOW REFUSE TO SEND ME PROOF OF HOW IT IS VALIDATED, WELLS FARGO EVEN CLAIMED A BANKRUPTCY CLAIM ON MY CHAPTER XXXX FILING BETWEEN XX/XX/XXXX-XX/XX/XXXX COLLECTING PAYMENTS ON A NON EXISTENT LOAN - I HAVE CALLED WELLS FARGO REPEATEDLY GETTING HUNG UP ON - TOLD A MANAGER WILL CALL BACK ON THIS PILOT PROJECT - I NEVER GET A CALL BACK - IT 'S BEEN FIVE YEARS - I AM REPEATEDLY GIVEN THE RUN AROUND THIS IS ILLEGAL - I HAD ADDITIONAL GAP COVERAGE ON TOP OF THE COMP INSURANCE CLAIM THEY REC 'D FULL PAYMENT ON TO PAY OFF THE CAR IN FULL. I NEVER REC 'D A DIME FROM THE GAP POLICY. I SHOULD HAVE REC 'D PAYMENT WHICH I DID NOT. IF ANYONE IS OWED MONEY BACK IT IS ME, NOT THEM. THEY CAN NOT REPORT A BALANCE ON A LOAN FULLY PAID AFTER 5 YEARS, WHY ARE THEY ABLE TO DO THIS. THEY ARE AND HAVE RUINED MY CREDIT FOR YEARS AFTER A LOAN IS FULLY PAID THIS IS COMPLETELY AND UTTERLY IRRESPONSIBLE WHEN THEY HAVE MADE MY CREDIT SCORE BEYOND REPAIR AND NEARLY IMPOSSIBLE TO ESTABLISH ANYTHING ABOVE XXXX ALL WHEN I DO NOT EVEN OWE THE DEBT AND THE BUREAUS ARE SOMEHOW WORKING WITH THEM TO VALIDATE DEBT THAT DOES NOT EVEN EXIST.

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 04-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent a QWR via certified mail returned receipt requested to my mortgage lender DITECH Financial LLC, requesting information on XXXX XXXX, 2016, and received the green card with signature showing that DITECH received QWR on XXXX XXXX, 2016. The allotted 5 days to to confirm receipt of my QWR expired on XXXX XXXX, 2016. Today s XXXX XXXX, 2016 and I have still not received confirmation of receipt. Any assistance you could render will be greatly appreciated Best Regards, XXXX XXXX XXXX XXXX XXXX Loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (Conventional fixed mortgage) with Gross Polowy LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Agent of Gross Polowy, LLC showed up at a house I own and handed papers to my tenant that were faked regarding my mortage. They had gone on the internet to print out recordning documents from my original purchase to make it look real. Tenant thought they were being served foreclosure papers. The cover sheet was made to look like an official court document but the bank named as the plaintiff DOES NOT OWN THE MORTGAGE. I verified this with my current bank just to be sure. It would appear that they were trying to scare me into making payments to them which they would then pocket. This has created a problem with my tenant and is an illegal practice. I filed a report with the local police department. When I tried to call them on this all of a sudden everyone was not available!

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter from a credit collector and the debt does not belong to me, I never opened the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone opened up a fraudulent credit card using my information and documents this account needs to be removed asap i have contacted the company regarding this account and notified them that it is fraudulent even sent them a copy of the police report and the identity theft affidavit and it still has not been removed from my credit file or from them trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Medical) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pressler and Pressler keep sending me letter telling me that going to sue me if I do n't paid an unpaid medical bill that I should not be paying. They keep calling and harrassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My husband recently died a tragic death. He had a XXXX credit card that I was not aware of. He was the primary cardholder. If I was an authorized user I did not know it. I gave XXXX notice of his death ; provided information to close out his homeowner and auto insurance and started a new account with XXXX. I was in the early stages of refinancing our home and a derogatory credit comment showed up on my credit report XXXX : my deceased husbands XXXX credit card. I called XXXX and spoke to someone in the credit card department and explained the situation to them, I was told there was no derogatory or negative information on my credit from them, I was referred to the credit dispute department : Credit Bureau Dispute over Deceased Accounts and I was told to fax a letter to them, they will review, and it will take approximately XXXX days before it is removed from the respective credit bureaus. I completed all that I was told to do and the letter was faxed XXXX XXXX, 2015. It still remains on my credit report and refinancing my home is on hold. I have not anything further from this department XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX of 2000 I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of 2000 XXXX California Sheriff 's department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. XXXX, XXXX and Equifax use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX multiple unauthorized ATM & debit transactions were made on my business account totaling {$14000.00}. I reported this to the bank as soon as I found out upon checking my account balance as I was not notified. I found out that someone falsely represented me on the phone and called to change my business address in XXXX 2017. I was told account notifications were turned off and that my limit on the amount of money to withdraw in one day was raised. In XX/XX/XXXX a new debit card was sent to the fraudulent address. XX/XX/XXXX a pin # was sent out to the same fraudulent address. On XX/XX/XXXX, a {$3000.00} account transfer was done from my personal account to the business account and {$2500.00} from my business savings transferred to my business account and then multiple ATM withdraws ranging from $ XXXX {$3000.00} were made along with 2 transactions at XXXX totaling {$2900.00} each. Total amount stolen was {$14000.00}. <P/>I filed a claim with Chase and had to file 2 separate claims : 1 for the ATM transactions the other for the debit transactions. <P/>I filed a police report, claim # XXXX. <P/>XX/XX/XXXX, Chase informed me they 're denying the dispute for the debit transactions because someone called representing me and " authorized the transactions '' and had the debit card & pin # for the card and they are reversing the temporary credit on my account in the amount of {$5800.00}. <P/>All of these unauthorized transactions occurred because Chase allowed someone claiming to be me to make changes to my account, including my address, account notifications, travel suspension, increase spending limits, and request new debit & pin #. Chase failed to protect my account and my personal data which was used to steal XXXX. Chase has failed to fully investigate this situation fully and to resolve it in a reasonable manner. <P/>I have been in contact with XXXX corporate regarding the debit transactions, they have video footage available and are willing to give the money order numbers that were purchased. They said Chase bank would need to open a claim with XXXX 's loss department, but Chase has not contacted them regarding my situation, neither has the police. <P/>I am a small business owner. I own a XXXX XXXX  licensed by the state that can not move locations easily or frequently. I am disappointed that Chase failed to notify me at my address, email address, or phone number regarding any of these changes or transactions and that they failed to protect my money and are failing to take corrective action to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: After the Equifax leak, people are forced to pay {$10.00} per credit reporting agency to freeze their credit. So, in essence, Equifax is making revenue off of their own mistake. Just appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 03-10-2016 about Debt collection (I do not know) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I borrowed some money from Tower Loan of XXXX I was paying on time every month until XX/XX/XXXX when I had to stop working due to medical problems and did n't have any income coming in because I do private sitting. so I paid half for XX/XX/XXXX and every since then they call everyday 3 to 4 times literally everyday including the people I put down as a reference filling up the mailbox say they have to put a date in the system as to when I 'm going to have the money I can tell them I do n't know when I 'll have it and they keep insisting I give them a date I 'll have the money She hang up and call the cell phone then my references then they laugh on the phone ( not professional at all ) stating we have to put a date in the system but a letter was sent stating it was going to collection a month ago but Tower Loan of XXXX keep calling and calling it 's to the point I feel I 'm being harassed I know bill collectors should n't call 3-4 times a day I 'm I the only one that borrowed money? PLEASE HELP ME FROM THE HARASSMENT

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 04/28/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I own a very small studio in XXXX XXXX, Illinois. I rely on the small Social Security Benefits for my support. My mortgage is with Chase Bank. For the last 5 years I have been trying to obtain a modification for my loan based on the US government guidelines, sending modification paperwork to that bank in many copies. At the same time Chase filed a foreclosure against me. I have been sending all the required documents as requested by Chase ( over and over again for no reason ) but never received a modification. At the end of this entire cycle Chase went through the foreclosure process and sold my condo. Now I am in the position that I have nowhere to go and will end up on the street.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Federal student loan debt) with Credit Adjustments Inc (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After I graduated from university, my job as a XXXX XXXX XXXX did not pay as much as the school promised. I struggled to pay for rent, car payments, insurance and necessities. With my parents help however I started slowly repaying loans, first those with high interest rates. There was one instance where XXXX processed the payments but did not credit my account. This was my first problem with this private for profit collection agency. After my complaints XXXX issued an apology and recorded my payments. 
In 2017 still experiencing financial hardship I fell behind in loan payments and XXXX overreacted by placing my loans in default. The U.S. Department of Education demanded that the entire outstanding loans be paid immediately or threaten to refer my debt to a collection agency. So my mother took a XXXX XXXX dollars loan from her employer to help me. 
On XX/XX/XXXX I called the Department of Education customer service center to make sure that the payoff amount was accurate. ( XXXX phone log is available upon request ). The customer service representative adjusted the total payoff amount to {$19000.00} My parents transferred the money to the D.E. account on the same day. 
Three weeks later on XX/XX/XXXX, I logged on to XXXX account to make sure that my payment was recorded correctly and that there wasnt any other outstanding charges, the account showed a balance of {$0.00} I truly believed that I was done with loans, but then a letter arrived on XX/XX/XXXX stating I owned more money. How could that be? Now Credit Adjustments Inc. of New Hampshire wants to extort more money {$880.00} for their role in collection process. I am not at fault here. It was the Department of Education or XXXX who failed to maintain procedures to ensure accuracy of loans. Also they provided inaccurate loan payoff information which created false belief regarding my loan. For those reasons I shouldnt be responsible for paying extra interest or collection fees.

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 01/23/2017 about Bank account or service (Checking account) with PNC Bank N.A. (MO).
Issue: Making/receiving payments, sending money

Complaint: I am a PNC Bank customer who uses online bill pay extensively. Earlier this year I started noticing that PNC was automatically enrolling me in an ebilling program for several vendors. When I inquired about it they told me they couldnt stop it but would remove me on those couple vendors. I acquired a new credit card and entered it in and set up online payments but again found out had automatically been enrolled in ebill. When you are enrolled in ebill you start getting a lot of emails that seem geared towards collection of the bill. I contacted PNC corporate and what I discovered is they are doing this with all customers. My theory is that XXXX who does their online banking is charging vendors like XXXX for the ability to penetrate bank accounts and automatically enroll customers. This is wrong. It is a conflict of interest that should be disclosed to customers. I demanded that stop this practice for all customers and disclose it. They said they would stop it on my account only and ignored my request. Something smells rotten between PNC and XXXX. If disclosed its not a problem but nobody should be automatically enrolled in something in your bank account because a vendor paid for it. Your money is between you and the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Incorrectly derogatory credit reporting. We have had to work through several issues with Seterus and the XXXX County Tax Assessor which took several months but is now completed. During that time Seterus marked our account at delinquent which it was not. In the final settlement I paid the account in full on XXXX XXXX, XXXX and was told at that time but the person in the customer service payment department that out account was current for XX/XX/XXXX. 

On XXXX XXXX, XXXX I spoke with XXXX XXXX in Seterus Consumer and Government Affairs Department, she agreed to correct the final issues with our account, refund the overpayment of escrow and suppress the derogatory credit for XXXX XXXX and XXXX XXXX. At that time she re-iterated that our XXXX XXXX payment was current and XXXX XXXX would be reported as on time. 

Forward to today Seterus has reported our account as 30 days delinquent for XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX left a voice message and have had no response from her. 

I also called Seterus Customer Service on XXXX/XXXX/XXXX and they verified that our account was paid on time for XXXX XXXX. Yet they still reported our account as 30 days delinquent. 

We want to have the credit reporting for XXXX XXXX corrected immediately and the derogatory credit for XXXX XXXX to be properly reported as on time/current or for it to be suppressed. 

We would like this to be addressed immediately as it is affecting both our credit ratings. 

XXXX XXXX XXXX XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Trouble during payment process

Complaint: I received a letter from Bank of America in XX/XX/XXXX stating that I did not have homeowners insurance on my property and that I would be forced to pay for insurance that they purchased. On XX/XX/XXXX, I faxed a letter to the number provided with a copy of the insurance declaration. I have confirmation that the fax was received. I did not receive further notification that there was any problem with the documentation provided. 
I received another letter later that month and called in again. They still claimed to have no record of my submission of proof of insurance. I again faxed it - to two different numbers, one that the customer service rep gave me ( which was supposedly to her manager named XXXX ) and the other from the original letter. I then received an escrow statement showing that they were charging me for the forced purchase mortgage so I called again. I was given an email address for XXXX XXXX who promised to take care of it. I emailed the declarations page from my home owners insurance to her and requested a response if there was any problem with it. I received no response. I then received a letter stating that they were " trying to get a hold of me '' and so I called again. Still no record of all of the things I sent in. Tonight I again faxed the information to a number that was given to me by XXXX XXXX. I asked for confirmation that the fax was received and received none. 
I strongly believe that Bank of America is making it difficult for people to submit proof of insurance so that they will just give up and have to pay for the forced purchase insurance, which I understand Bank of America receives kickbacks for securing.

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 10-09-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have overpaid my mortgage company over {$2900.00} for FHA Insurance and they will not reimburse me. Instead they cancel my paid up FHA insurance and sent me a letter disputing that I have not overpaid. This trial has been going on for a year this month.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: They took the car I do not owe them anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a credit inquiry alert on my Trans Union credit report. The following credit inquiries from XX/XX/2017 are unauthorized and fraudulent : XXXX/XXXX, XXXX/XXXX and 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