milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I am the personal representative of my aunt. I was trying to continue to pay the mortgage on my aunt house during the probate process . Wells Fargo c ontinues to make withdraws on a closed  XXXX  account. I have tried to stop the automatic withdraw on  the Wells Fargo  mortgage from the  XXXX  bank account, but I have talked to at lea st   XXXX    diff erent people, and the process to get the automatic withdraw terminated is taking over  a   XXXX   XXXX   XXXX   XXXX  .     The details follow.   The first part of  XXXX , I contacted  Wells Fargo a bout haveing them stop automatic withdraw on my Aunt mortgage since s he died   XXXX   XXXX  this year and her account at  XXXX  had been closed. I was told by  XXXX ?? that I needed to send a copy of a  death certificate , and then go to  XXXX  Indiana personal ly ( this  is over  an hour and a half fro m  XXXX  ) to have my identity certified. I faxed t he death certificate  at  XXXX     that  XXXX .    On  XXXX   XXXX , I received a letter from  XXXX   XXXX  addressed to the Personal Representative of ( MY AUNT ). Then the letter as ks if ( My Nam e Spelled out ) have the PR permission to talk to in essence, myself!     Then received a letter from  XXXX   XXXX  on  XXXX   XXXX  which asked me to send my letters of testamentary.   I received a call from  XXXX   XXXX  and I returned her call but she was not available so I talked to  XXXX   XXXX . He was nice and helpful and confirmed that they had received t he Death Certificate.  He let me know that then we only needed to send the letters of testamentary and that someone would ca ll in  XXXX  h ours. I faxed the letters of testamentary on  XXXX   XXXX . I called  Wells Fargo  on  XXXX   XXXX  and left a message with  XXXX   XXXX . She said in her message that she would call back in    XXXX   hours.  It is Thursday,  XXXX   XXXX . She has not called.   Since  XXXX  was not available, I tried to talk to someone else. He said that they did not receive my letters of testamentary yet and that it takes a week to attach the letters. That was over  a week    ago and that he still could talk to me. This phone call laste d  XXXX  minute s.   I called  XXXX   XXXX  today. She said that she had my paperwork but still could not talk to me because of some excuse.   Mean while, Wells Fargo continues to withdraw money from a closed bank account and is not able to talk to  me.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: For many years these bureaus have automatically placed extended fraud alerts on my credit file each time I am advised the alert or consumer statement is added i call and write in to have it removed. They all remove it and within 45days its re-entered the main issue I have with alert it always have a phone number I have never provided or have access to. Overtime they have system glitch issue the alert and incorrect phone number and numerous inquires are added onto report without my doing or knowledge. From time to time good accounts that are mine paid onetime are removed, blocked stopping the creditors ability to report. And late payments on accounts that creditors have sent in letters to have late reporting removed.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMCOL Systems, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Talked to them and disputed with credit beareu several times.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed a complaint against Pinnacle Credit Services complaint # XXXX about 2 weeks ago, and this complaint has yet to be satisfied or resolved. This company is having difficulty providing accurate information on this debt., and have not been able to locate the debt by my NAME. Waiting more than the time which was allowed, is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (Conventional home mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (NC).
Issue: Closing on a mortgage

Complaint: XXXX/XXXX/XXXX We could not use the plumbing so we called the town. They then gave us a plumber named XXXX.He went outside and came in and told us that the plumbing was no good.Why give someone a loan and the house ai n't no count? I feel like we are being put somewhere and we ai n't getting nowhere.We have to give money out and we only been in this house 6 months.How you going to heat two bathrooms with a little water heater?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America continues to assign and then reassign customer relations managers to me without resolving any of the ongoing issues or maintaining adequate contact after initial first contact. 

They have now assigned me XXXX XXXX. Just recently, a couple weeks ago, I was assigned to XXXX XXXX who recently left a voice message with XXXX XXXX, only to have on record that they contacted me. After I called back, I did not get a response back from XXXX XXXX. Instead, received, yet another letter from BofA stating my customer manager has been replaced. ( see ensclosure ) Their only solution is to have me restart the nightmare process. 

This is now going on for years with no attempt by BofA to admit wrong doing for their lack of customer service and poor handling of a loan. Bof A has yet to rectify the problem. 

Below is the bullet list of past problem. 
1. I was given a list of requested documents that I turned in. 
2. I had to keep calling to see if was received and accepted. 
3. I was told I needed addition information. 
4.After sending in the additional information, I was told I needed more additional information. 
5. I get a letter weeks later that they canceled my loan. 
6. I had to call to get it restarted again. 
7.Underwriters requested more documents. I did n't even understand some of what was being requested. 
8 It was then requested I send my entire tax records of 2013. This was about an inch thick and very difficult to do. 
9 the requested more information that was already contained in the sent info. 
10. I re-sent information once again. 
11. I was told on at least XXXX occasions said this should be it, I just need a signature of something and we are good to go. 
12. I would end up sending more info. 
13.I would call again to learn they wanted more information. They wanted a break down, some rental accounting sheet that I did n't have. 
14. They have changed representatives to assist me at least 8 times. 
15. They occasionally call because of the complaints I filed with the CFPB but only state computerized responses and no help. 
16. Many times I was given a number for assistance but ended up in a maze of departments unable to get through. 
17. Towards they end, I was told I made to much for a loan modification, therefore I contacted the refinance department which stated I did not make enough for a refinance 18. Another representative suggested I default on my loan, ruin my credit to have a better chance of a modification. 
19. I was contacted by a representative who gets XXXX XXXX 's ( B of A CEO ) emails however she requested the same information and more, to which I can no longer go through and no longer trust the process. 
20. Bank of Americas only solution to rectify this problem is to have me restart the entire process.

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 11/20/2017 about Debt collection (Other debt) with Rhojo Enterprises, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was stationed in XXXX with the XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. In approximately XX/XX/XXXX I got a 1 year contract ( month to month after the 1st year ) through the on-post XXXX XXXX for XXXX XXXX ( XXXX ) cellular phone service. I kept the service until XX/XX/XXXX when I left XXXX due to a military XXXX. I cancelled the XXXX XXXX contract in XX/XX/XXXX as part of the XXXX checksheet ( a sheet you have to complete before the XXXX allows you to leave the country ). The contract had already reverted to a month to month contract, but was still cancelled the proper way in accordance with SCRA Section 535A. Two years later in XX/XX/XXXX, a company called XXXX XXXX ( owned by Rhojo Enterprises ) sends me a letter saying that I owe them about XXXX euro. I immediately emailed them a notice of dispute requesting debt validation etc. They called me and in talking to the company representative they claimed they did not buy the debt from XXXX XXXX, but that they were the US debt collector for XXXX. In XX/XX/XXXX they emailed me again saying I owed ( even more ) money to them now as they were charging 8 % interest on the " debt ''. They were offering to discuss a settlement in the email, knowing full well that the account was in dispute to begin with ( and this was 3 months later, they still had n't provided validation of the debt ). Finally, 8 months after it was requested in XX/XX/XXXX, they provided " documentation '' of the debt. This did not include the original contract with my signature, it did n't include the original contract terms, and it was basically a word document showing monthly statements for AFTER the contract was cancelled. A couple weeks later they sent me another email saying I owed them money and included the same documentation they had sent a couple weeks prior, with some of the information stripped out. I have n't paid any of this, and they still insist that they are the US reps for XXXX and that they did n't buy the debt from XXXX. They refuse to drop it, despite the fact that it is a clear violation of SCRA.

Company response to consumer: Untimely response
Consumer complaint received 10/14/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (GA).
Issue: Managing the loan or lease

Complaint: Received a loan from Avant Credit loan. Was not told what my interest. The loan was for XXXX with an interest of 35.90 % of {$190.00} a monthe. 1 year later after a years of payment and balance was still high,. I called the company and found our that when loan is paid in full I would have paid XXXX back, so now I wanted to send in extra money only to find that interest will be taken out. I have had loan and credit cards in the past and when seding in extra money, it went to the princple, rhis company does not do that. feel that I have been jitped. This is too much money to pay back, at XXXX years old makes me want to check in on bankruptcy or kust refuse to pay anymore money ... Thank you much for any help or advice.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (I do not know) with Talbot, Adams, & Moore, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They are reporting on my credit twice. They are aware of it and say they wo n't do anything about it until I pay off the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am in the process of purchasing a home for my son and his family. WHile completing the mortgage application, there was a judgement that appeared on my credit report. I have no idea what this is from. 
My loan officer assited in researching the matter as the only number listed on the credit report is the courthouse. 
I filed Chapter XXXX BK in 1999. I included all credit card debt at that time. 
My credit report shows the Planitff as Cach LLC ( XXXX ) with an amount owed of {$6300.00}. After calling CACH, they sent me to XXXX XXXX XXXX CO who apparently now has the debt. I spoke with XXXX XXXX ( XXXX ) who informed me that the debt was from a XXXX XXXX account. The debt is now {$9500.00}. I pulled my BK papers and reviewed the debt that was included in the BK and non show XXXX XXXX. I know there are a few credit cards companies listed on my BK papers that are no longer in existence which is hard to follow and obtain docuemntation ont his debt. 
I asked for the credit card agreement that was signed and was told a request was sent and the timeframe was uncertain. 

I would like proof that this debt exists and how I owe {$9500.00} when the judgement shows XXXX. 

Please call me at XXXX if any additional information is required as I would like to resolve this matter ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I obtained my credit report and found a fraudulent address and account opened in my name. Chase Bank allowed a credit card to be opened in my name and is reporting negative information about the card on my credit profile. I have never used this card, did not apply for or order this card and this card was opened due to fraud. I have attached a copy of my ID, social security card, birth certificate and my lease showing where I actually live and where I lived when this card was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax is using the same Hard Credit Inquiries more than once? They recently listed inquiries from XX/XX/XXXX and another from XX/XX/XXXX. The result of this was to lower my Credit Score from Excellent to Good!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Machol & Johannes, LLC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had purchased windows financed through XXXX XXXX Bank for the amount of {$10000.00} around XXXX. I made payments, until the economy started collapsing, my daughter lost her job and I was trying to support XXXX households, so I made sporadic payments when I could, knowing this was a legitimate debt that I owed, even though the home had been foreclose on, it was still my responsibility to pay. I received in XX/XX/XXXX what was presented as a summons for a lawsuit filed in Washington State XXXX Court as an attempt to collect a debt, from Machol & Johannes , LLC. The date to respond had passed before I received it. There is no court stamp. However, since I did owe the debt, I called them, and we set up payment arrangements. The balance owed was {$11000.00}, plus interest, and costs of the action, etc. I spoke to XXXX XXXX and was told that if I started paying immediately, no finance charges would accrue. The amount now owed was {$13000.00} I have been paying on this account since then, there have been some missed payments, however I made them up with double payments. Each time my records show I am close to payoff and I call them, now speaking to XXXX XXXX, the payoff amount is usually double or triple what I think it should be. I have as of this date paid a total of {$16000.00}. Not counting the amount paid to the original loan holder. I 'm now told that I my payoff balance as of XXXX XXXX is {$6800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX XXXX XXXX XXXX credit cards from XXXX XXXX Bank, XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to XXXX and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX XXXX credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX XXXX credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Recently, I have began cleaning up my credit reports. I have noticed fairly quickly that I had a unimaginable amount of accounts from  XXXX . I began to review these accounts and noticed a few issues almost immediately. The biggest issue is the fact that I I have roughly  XXXX  accounts showing up as closed with a delinquent status. It is also showing that I have a charged of account status of roughly {$32000.00} total. These loans have been negatively effecting my credit and financial situation since  XXXX . I have been denied car loans, credit cards and other financial items directly related to these student loans. My current car loan is at 20.9 % apr for a  XXXX    XXXX   XXXX  . I pay {$410.00} on a vehicle I could be paying {$200.00} a month for. I can not begin to tell you just how negatively this has effected mine and my families life. I hope you can offer some assistance or relief in 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 explanation
Consumer complaint received 06/29/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Portfolio Recovery assoc. LLC calls me almost every day and have been calling me for over 3 months. They call from a different number each time. I told them from the first call, not to call me agai, that I am XXXX, XXXX, my husband has XXXX, we lost our home and everything we had and can not pay a credit card but they refuse to stop harassing me. They are rude, hateful and tell me they wo n't stop calling me. This is my cell phone number they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: I have fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted.       XXXX   XXXX   and Transunion : Credit Plus  XXXX  Transunion :   XXXX   XXXX    XXXX / XXXX /  XXXX     XXXX    :  XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Student loan (Federal student loan servicing) with UNITED STUDENT LOAN SOLUTIONS (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX 2017 time frame wanted to look into other programs for student loan repayment. Thought I found a reputable agency called United Student Loans Solutions out of XXXX XXXX, FL. They had me fill out an application and contract which I have. Unfortunately, through this process I gave my personal identification information. Also, 2 paystubs from my current employer.
Thus far I have n't had any fraudulent activity, but I 'm hoping to stop something before it happens. At this time they have received {$460.00} from me via my debit card. I have notified my bank, they have cancelled the card, and I 've spoken with Identity Theft. I was advised by my current student loan company XXXX to get in contact with FTC ( done ), CFPB ( doing ) and my States Attorney General her in CT.
What has cautioned me to look into this is the fact they pulled funds from my account 3 days early last month, and I have tried numerous times to get a hold of them and nothing. Now their email is no longer valid, phone number of not in service and website no longer valid. There is one number that is assigned to a XXXX XXXX that rings and you can leave a message.
I would like to provide the contract, but nervous to have my information out ( again ). Please advise.
United Student Loan Solutions information : phone # XXXX Ph : XXXX Fx : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX  www.unitedsls.org email : XXXX Names : XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 10/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Report No. XXXXREPORT DATEXX/XX/2015DISPUTE OPEN DATEXX/XX/2015COMPLETION DATEXX/XX/XXXX1. The above mentioned report does not mention the results/corrections performed to the report as a result of the inquiry. 
2. It does not mention the steps taken to do so either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation