milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 

Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made XXXX request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 

I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement? 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Medical debt) with I.C. System, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: As of XX/XX/2017 i c sytems inc sent information stating to all credit bureaus saying a amount of {$370.00} was owed by me. since then there is negative remarks on my credit report thats has brought my credit score down by 49 points ... i dont have any knowledge of i c sytems or have i ever been associated to i c styems or the original creditor and i do not owe a amount of any.

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 03/25/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: Wellsfargo flagged my account and took money from my account to cover a transfer that has been authorized by the owner of that account. My case and account has been handled very poorly. They overdrafted my account and I do not have overdraft protection on my account. Which reminds me, every 6 months i have had to call up wellsfargo and remove overdraft protection services because it keeps getting putting back on my account. Ive gone online to remove the service and ive had to call to remove the service 3 times. They collected on fees and charges they were not supposed to take and i have never been refunded those amounts. One time i got them to remove an overdraft that was never authorized and they said oh well we can only do this one time ... as if they were doing me a favor. Now they have my account on hold which again overdrafted me XXXX. They said it was to cover the suspicious transfer made to my account. Now they are making so XXXX difficult to get that overdraft off my account and give me back my money that was just deposited into my account for my car payment. Wellsfargo used that money to cover their overdraft they put on my account. I have done everything to settle this and so has the other person who transfered into my account. Theyve already spoke to that person and he authorized his payment to me. I want to close my account with wellsfargo but i want my money back that they took to cover an overdraft that wasnt supposed to be there in the first place.

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 06-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: We applied for modification with our mortgage servicer  Nationstar  on  XXXX   XXXX ,    2017  and it took them several months to ultimately deny our request. During all that time and numerous contacts ( close  to 75 phone conversations and at least 20 written communications ) they never mentioned one single time that being late on our mortgage payments WILL 100 % negatively impact our ability to refinance if our    modification is denied. They did n't say that there are guidelines which all the banks  have to follow.     I believe that our mortgage company intentionally chose not to share that information with us in order to get us exactly where they wanted us : - Now we can not qualify for refinancing with ANYONE until we bring our account current and are stuck with the 8.5 % interest for minimum of 12 months with Nationstar.     We could have borrowed the money to make payments on time during the process and would have been able now to refinance without a problem with the kind of equity we have. Instead, we 'll have to pay an extra  $ 12,000+ in interest until  we can even apply for refinancing.     I hope somebody who 's reading this will see through an unethical practice of this financial institution and penalize them heavily for hiding the facts in such a sleazy way!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am requesting debt validation for an account this company reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX has a " hard '' credit inquiry dated XX/XX/2016 still listed on my Transunion credit bureau report. 

According to the FCRA ( Fair Credit Reporting Act ), passed by Congress, all inquiries older than 2 years old on a consumer 's credit file, must be deleted by the credit bureau.

I have contacted both XXXX XXXX XXXX and Transunion credit bureau to have them remove this inquiry from my credit bureau credit report.

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 07/14/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (OH).
Issue: Charged fees or interest you didn't expect

Complaint: I made the mistake of not asking for and reading their contract before I typed my name and received the loan. When I asked for the contract I found for the {$1000.00} I received they want paid back {$5000.00}. They say their interest rate is 320 % plus fees but is like 500 %. I am XXXX and in bad health. XXXX XXXX and in past year two XXXX XXXX XXXX and XXXX XXXX. They want paid back {$140.00} twice a month until XX/XX/XXXX. The contract is about 30 pages long and says different things in different places in the contract. I will email it to you if you want. This contract and loan is unbelievable. I am trying to get by on social security and this caught me when I needed immediate cash to pay some things to keep me going. Any help would be appreciated. .This loan was made on XX/XX/XXXX from. Speedy Cash in XXXX, Kansas. I tried talking to them several times but they wo n't budge. They are impossible. I tried to get the interest rates reduced and a reasonable payment plan but they wo n't budge.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Information was given to XXXX by AllianceOne, a debt collection agency. AllianceOne was contacted and agreed that the debt was not mine, but insisted that they could do nothing about it. I stated that they gave the info to XXXX and they should be the one to inform them that the info was incorrect. They stated that I would need to dispute it with the Credit agency to have the info removed. I spoke with the agency and they said I needed to go to the reporting business. When I informed them that I had, they then said they would need a letter from the reporting firm. Typical catch XXXX there is no winning. Even though I disputed the info with XXXX it has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (PA).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX XXXX/Chase took {$5000.00} that I over paid on my lease account and gave the dealer a {$5000.00} credit on the dealers payoff on the vehicle which I returned. Unfortunately, when I requested a refund I was told " NO '' by several customer service reps and their escalation team. Another department Customer Account Research has requested and received a copy of my bank statement showing the cleared check. I was never informed that the overpayment would be applied to the dealer 's payoff. I had planned to purchase the leased vehicle, but I changed my mind. No contract was ever received or requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never opened an account with LVNV or XXXX. In XXXX of 2016, My parents forwarded me a letter that was sent to their house at a XXXX address. After reviewing my credit report, it appears there is a company called XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX w/phone number XXXX. I have since mailed a letter to XXXX XXXX to ask them to provide correct information. I want to know how they are allowed to collect on this alleged debt, who owns this debt, and if to understand what legal precedence thy have to contact me. If in fact they can prove they own the debt. I 've heard of companies collecting on debts they do n't owe and I 'm trying to do the right thing and get all of this misinformation cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: I traded in my Honda Pilot, loan # XXXX, on XXXX/XXXX/15. The dealership who purchased the vehicle from me sent a check to Wells Fargo Dealer Services on XXXX/XXXX/15. Wells Fargo Dealer Services does not acknowledge receipt of this payment and refuses to research the payment without the certified mail receipt number. I have offered to send them a copy of the payment invoice, but they refuse to investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Account opening, closing, or management

Complaint: Capitol One offered a {$500.00} incentive if I deposited {$50000.00} for 90 days. I deposited {$50000.00} on XXXX XXXX, 2015. It has been 90 days and I am told that it will take another 25 days before they will deposit the {$500.00} into my account. I believe that this is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Making/receiving payments, sending money

Complaint: We have a business checking accou nt in Chase.  A wire of  XXXX  dollars was sent to ou r Chase acc ount back to  XXXX   XXXX . We only get credit of  XXXX  dollars. Th en Chase ch arge us  XXXX  dollars wire fee from this  XXXX . So  XXXX  dollars was gone before wire came in our account.   Has been talking wit h Chase for 5 months. Chase  refused to provide information about how this charge occurred and how it was calculated? No answer why it is not on the service charge list if it is  Chase took th e money.   By back and forth betwee n Chase a nd the  XXXX  bank,  Chase a dmits that the wire came  in Chase  in  XXXX  dollars, and they deduct  XXXX  dollars before credit my account. But they refused to provide information about why this  XXXX  dollars be charged before coming in my account.   Since the  XXXX  dollars was deducted before it came in our account, it is different with they charge from our account as the fee we knew  XXXX  dollars.   How could someone took our money without our authorization?

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Payday loan) with Credit Central Holdings, LLC (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I work in collections and all of my calls are recorded. I have asked the creditor, several times, on a recorded line, NOT to contact my job. They said ok and continued to contact me at work, after I requested that they did not. They have been to my house and have left letters. The debt owed is less than {$400.00}. They call me back to back. Sometimes 3x in less than an hour. And they call, after a voicemail has already been left. These are all violations of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had XXXX collections show up on my experian report. XXXX showed up in XX/XX/XXXX and XXXX showed up in XX/XX/XXXX. I never received anything from the collection company. No dunning letter or right to dispute which is my right according to the FCRA. As soon as I saw that they where on my report, I sent XXXX a validation letter asking for proof that the the XXXX collections where mine and the proper validation under the fdcpa. I sent it certified mail so I had proof when they received it. I waited the 30 days for there response and the requested proof and when the 30 days came and went and no correspondence was sent to me, I sent Experian a letter with proof that XXXX got my request for validation and a copy of the letter I sent. I demanded that the XXXX collections be removed from my report since they where put on there and XXXX didnt follow the rules they are required to do by the fcra. I received a letter from experian yesterday saying that they had updated the XXXX accounts and that they where remaining on my report. I have not received any proof that these collections are mine nor has XXXX sent me any validation. According to the fcra, if a collection agency does not validate a debt within the allotted 30 days they are allowed, the credit reporting agency had to remove the account. 
I have attached all correspondence so far. Proof that XXXX got my validation letter. A copy of that validation letter. A copy of the letter that was sent to experian and proof that they received it. Lastly, the letter that was sent to me showing the accounts where updated

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 03-01-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Credit decision / Underwriting

Complaint: I submitted a claim against QCWEN, the same outfit you appointed as ombudsman to manage recovery funds for individuals damaged by QCWEN et al. Ocwen refused to communicate but later they told me they had no proof of my standing on home I inherited from bu deceased son. Even though I provided court documents whereby I was appointed executor they still refused to provide ANY data or information on the home I became the owner of by court order. Its been yet another year later and QCWEN continues to advise my status for ferund of damages I incurrered. CFPB, in fact has been advised of this numerous times and all I get is rejection. I am XXXX, XXXX vet who will no doubt predecease any recovery. My question is WHY DOES CFPB NOT POLICE THE OMBUDSMAN THAT CFPB APPOINTED TO LAWFULLY DO THE JOB IT HAS BEEN ORDERED TO DO? I have been failing at every trun to gain assistance on this, the earliest matter OBAMA charged XXXX XXXX to police? Why does CFPH ignore my ongpong requests for help? 
Regretfully as I write this I seriously doubt I will obtain any help from CFPB, but I will die trying. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Settlement process and costs

Complaint: I am under a modification however Ocwen is reporting me late to the credit bureau-XXXX. This is erroneous. They are saying I am 180 days past due. This is wrong. I have my approval email enclosed for the modification which converted my mortgage from adjustable rate mortgage to fixed rate mortgage. I am tired of complaining and going through this Ocwen. My loan need to be service by a capable company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Bank account or service (Other bank product/service) with BARCLAYS BANK DELAWARE (FL).
Issue: Making/receiving payments, sending money

Complaint: BARCLAYSBK ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify BARCLAYSBK or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BARCLAYSBK or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 12-08-2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was alerted by my identity theft monitoring program that a creditor placed an account in collections with all XXXX credit bureaus. This is the first I 've heard of this company and this debt. The creditor has never contacted me or informed of any such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I RECEIVED A COURT DOCUMENT ON XX/XX/2016 STATING I HAVE A MAGISTRATE HEARING ON XX/XX/XXXX AT XXXX COURT. I CALLED THE COURT AND THEY TOLD ME TO CALL THE ATTORNEY THAT IS ON THE PAPER ( XXXX ). I CALLED AND SPOKE TO XXXX AT EXT XXXX. WHEN I SPOKE TO XXXX I WAS ASKING IF HE COULD SEND ME ANY DOCUMENTS THAT HAD MY NAME ON IT. HE STATED THERE WAS ONLY STATEMENTS. I ASKED IF HE COULD SEND EVERYTHING WITH MY NAME ON IT IE THE SIGN UP OF THE CC AND MY SIGNATURE, THE AMOUNT OWED AND HOW THEY GOT THAT NUMBER, WHAT WAS BOUGHT, THE DATE THE DEBT BECAME BECAME PAYABLE, BASICALLY ALL INFO THEY HAD AND THE GUY TOLD ME HE WOULD PUT IN A REQUEST TO SEND OUT COPIES OF MY STATEMENT BUT THATS ALL AND IF IT SENDS IT SENDS AND IF IT DOES N'T OH WELL. HE WAS YELLING AT ME AND MADE ME FEEL VERY UNCOMFORTABLE WHEN I JUST WANTED VERIFICATION AND WHAT WAS GETTING BROUGHT TO COURT HENCE THE FIRST TIME OF HEARING OF THIS DEBT.

Company response to consumer: Closed with explanation