milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX   XXXX  has denied any ownership interest in the securitized mortgage loan that is attached to my home.   Representatives from  XXXX   XXXX  have maintained that it operates merely as the Trustee for the owner / investor of my home loan. The records since inception have shown that  XXXX   XXXX  is the Trustee for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .     Ironically, shown below is the message that  XXXX   XXXX  has sent to the CFPB, dated  XXXX   XXXX ,   XXXX   : " According to the records,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ) is the trustee for the Trust, and the current owner of your loan. The Trust is a separate entity, and  XXXX   XXXX  maintains no involvement in the operations of the Trust, including maintenance of original documents associated with your mortgage loan. '' Coincidentally, one day earlier,  XXXX   XXXX , Assistant Vice President of  XXXX    XXXX    provided a letter to the CFPB, dated  XXXX   XXXX ,   XXXX   that states the following :   XXXX   XXXX   XXXX   XXXX    XXXX  has no beneficial ownership interest in the mortgage loans included in the Trust, i.e.,  XXXX  is not an investor in the loans. Instead  XXXX  merely holds legal title to the loans for the benefit of the  Trust 's Certificate  holders. '' However, the language used in the above statement from  XXXX   XXXX  and other correspondence reiterate its position on the ownership interest of the loan or certificates, and its recollection appears to be a sale of securities that it formerly owned to  XXXX     XXXX   XXXX    maintains no involvement in the ownership of the Trust, as it should n't per the rules of maintaining an arms-length relationship among servicers and investors.   Both banks appear to have some questionable connection  to Wells Fargo as  it relates to this transaction. All three entities have been recently sued for billions of dollar for similar activities.     Please have multiple agencies review the merits of my clai m, as Wells Fargo us es loopholes in the CFPB process to avoid providing a truthful response.

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 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with BYL Collection Services (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Debt collector placed account on my credit report due to same name. When I contacted the creditor, I was told application was filled out online and sent to another address which is not mine. Informed original creditor of an identity theft block on my credit report which requires that I be called before any service is issued. Creditor response was a credit check is n't ran upon opening an account so they 're not able to remove account because someone opened it in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with NATIONSTAR MORTGAGE (VA).
Issue: Struggling to pay mortgage

Complaint: I took out a loan to remodel my parents home for the comfort of my elderly mom, I always paid the first two companies timely, and had no issues. However, once Nation Star took over, they didn't inform me as my old Co told me that they would, once I found out, they had already started placing the house into foreclosure. I have been fighting with them. I did call them and advised them of my information. Still, they kept being scammers as they are. I tried to set up a modification with them, they took out all of payments with the exception of the last one and stated the payment was a NSF and that I had to start all over.Well, I fell into their trap, started all over, and they stated on this one the same and that the bank blocked them. The monies sat in the account. They have all of these fees, NSF fees charged to me and the only way to keep my home is to file bankruptcy and soon. They have my beacon score very low. They are my old bad creditor. When I asked them send me information, they lie and dont.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: about XXXX weeks ago, I filed a dispute with Transunion about an item on my report. it was reported XX/XX/XXXX as delinquent. it was paid in full in XX/XX/XXXX but still remains on my report. I called them today and they told me the law say 's it can stay 10 years. this was a bank loan that has been paid in full since XX/XX/XXXX that is 8 years ago. could you please have them remove. bank in report is XXXX XXXX Bank XXXX, in XXXX XXXX, AR. the way I understand the law, is that only bankruptcy 's remain for 10 years. thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been trying to get XXXX peices of information removed from my experian credit report. I have had this information removed from experian and XXXX with no issues. I disputed this information with experian and only was able to dispute the informatory XXXX time. I sent in the paperwork and they still will not remove this information. For XXXX XXXX this has been documented as ID theft. Someone stole my ID and moved into an apartment under my name. I sent the reports to experian but they still will not remove the information. The XXXX XXXX is from XXXX. This was also part of not knowing about this debit and it was with my ID theft. Again it has been removed from my other reports but not experian. The last investigation they conducted was from XXXX on XXXX. I have send the paper work in and disputed this information agian XXXX months ago and not heard anything from them. I live in NY state and there has been new laws put into place to protect consumers why are they not abiding?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I was married in 2012 and changed my name. I notified TransUnion and they failed to update my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Dear Consumer finance staff, I, XXXX XXXX XXXX, from XXXX New York, received an offer from XXXX XXXX to help me settle my credit card debt. On XX/XX/XXXX I received an offer from agent, XXXX XXXX from XXXX XX/XX/XXXX, to settle my debt with three Credit Card companies, a total of {$20000.00} to be reduced to {$10000.00} to be paid at 36 months installment of {$280.00} per month. I already paid to this agency {$280.00} on XX/XX/XXXX, and {$280.00} on XX/XX/XXXX. I was advised by, XXXX XXXX XXXX to stop paying my credit card bills that they will take care of the debt settlement. He also mentioned that the credit card companies will just void my debts due to me not having any properties or assets to back up the debts Ive incurred with the credit card companies. He also sent me some brochures and asked me to send him a copy of my drivers license, which I emailed to him at XXXX He also asked me to send him a copy of my Social Security Card, which I did not send to him. I became suspicious and proceeded to stop this withdrawals given that the agent mentioned above never responded to my emails, once the withdrawals from my checking account were taken. I have been also getting emails regarding educations on how to maintain a heathy financial activity. And received a call or two regarding such education and to confirm that I had received their brochures and forms. The agent, XXXX XXXX, told me that his agency will settle my debt, and given that I have no properties or assets, their agency could settle my debts with the credit cards, and they will just settle with them and consider the reminder of it a loss on the part of the credit card companies. They had me look in the internet for their credentials, and I found no negative consumers report on this agency or company. Their website is XXXX when I search for consumers report I only find their official website, as such, XXXX XXXX XXXX The debt settlement, as they called it, was with the following credit card companies, Capital One, XXXX XXXX , and XXXX XXXX  XXXX I must say that XXXX XXXX , put me under pressure to sign all documents as fast as possible, without giving me the chance to think about it and get back to him at a later time. I would appreciate if I can get any help you could provide to me for the situation I am in right now. I look forward to your response to my complaint. I can provide you with the document they had me sign on line by forwarding their emails at your convenience. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have been a victim of identity theft. On XXXX XXXX, 2015, I paid a fee for a full " security freeze '' on all XXXX credit reporting agencies. XXXX, XXXX & Equifax. I was contacted on XXXX XXXX, 2015, by an online retailer calling my home phone to verify an application for credit, since they were able to veiw my credit report and saw there had been a fraud alert placed on my information, to a company called " XXXX '' ( several weeks after I had paid for a full security freeze be placed on my credit accounts ) The online retailer was able to access and view my credit report via Equifax, even though I have paid to lock down the viewing of my reports by any thrird parties. I have made several attmpts to contact the Equifax agency, and have not been able to speak with any company representative. All phone numbers lead to automated services or refer you to go online. I have been unable to find out why identity thieves are still able to apply for lines of credit even AFTER I have FROZEN all XXXX agencies credit reports. Thank you for you time and helping me with this very serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Alliance Data Card Services (RI).
Issue: Confusing or misleading advertising or marketing

Complaint: XXXX XXXX cashier pushed me to open a credit card. But never gave me a physical card or phone number on how to pay off the card. No guidance on how to set up the account. They called on time for a payment and thought they 'll just call me to collect. But the second purchase I made they did n't call until it was too late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Portfolio Recovery Associates keeps harassing me with phone calls stating that I owe them {$4600.00} from 2 XXXX XXXX XXXX credit cards I opened in 2013. I was a XXXX XXXX then and I only have had 1 credit card throughout my XXXX years of living and that was a XXXX XXXX XXXX XXXX XXXX card with a credit limit of {$300.00}. Portfolio Recovery has 2 collections accounts on my credit report : one with a balance of {$2200.00} and another with a balance of {$2300.00}. I only had a {$300.00} dollar  credit limit so how could this be? The information that they have is inaccurate. I 've called them on several occasions disputing the inaccurate information but they refuse to remove both collections accounts from my credit report I even asked them to only charge me for the {$300.00} that I actually owe and they still will not do anything. They have sent me settlement letters but I refuse to pay debt that is simply not mine. The statue of limitations for unpaid credit card debt in the State of Louisiana where I live is 3 years. So even if the debt was mine, I still would n't be responsible for paying it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion removed negative reporting items from the account with XXXX from XXXX 2010 to XXXX 2010, however when I reviewed my credit report recently the negative information was placed back onto my 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 12-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: i have been dealing with bank america despute resolution services located at XXXX  arizona everything came from them and never was this persons at bank america ncXXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX never were involved at all. letters dated XX/XX/XXXX from them state on XX/XX/XXXX the desicion was made and approved the claim. letter dated XX/XX/XXXX stated that the debit card ending on XXXX was closed and that th eaccount ending on XXXX was closed on XX/XX/XXXX. now here is the mistake or lies they have made. they stated that the withdrawls on XX/XX/XXXX of {$600.00} and the other s on XX/XX/XXXX for {$2100.00} and {$1.00} the stated they confirmed that my drivers license was used and as identification that a debit card ending on XXXX was used as identification for the transactions. 
NOW I RECIEVED THE FRAUD STATEMENT ON XX/XX/XXXX AND FILLED IT AND SIGNED IT ON XX/XX/XXXX - THANK XXXX I FOUND THE COPY I HAVE ATTACHED IT I EXPLAINED THAT WHOM EVER DID ALLTHIS FRAUDS WAS THE SAME PERSON WHO MADE THE WITHDRAWLS ON XX/XX/XXXX AND XX/XX/XXXX. THE SIGNED FRAUD STATEMENT I SENT ONXX/XX/XXXX AD FAXED AS WELL ALONG WITH OTHER INFORMATION WAS THE RESULT OF THE DECISION THAT WAS MADE ON XX/XX/XXXX BUT THEY NEVER BOTHER WITH THE OTHER FRAUD THAT TOOK PLACE. 
NOW I HAVE CALLED THE ATM/DEBIT CARD OPERATIONS XXXX AND THERE WAS NEVER A DEBIT CARD ENDING ON XXXX ISSUED AT A NO INFORMATION WHATSOEVER. I ALSO CONTACTED THE DESPUTE RESOLUTION IN ARIZONA AND THEY FOUND NO DEBIT CARD ISSUED ON XXXX AT ALL. 
NOW I SEND COPY OF THE STATEMENT SHOWING THE WITHDRAWLS AND HERE IS THE MISTAKE OR LIES THE STATEMENT ON SHOWS THE GA TLR CASH WITHDRAWL FROM CHKING XXXX AND NO BANKIG CENTER # AND NO CONFIRMATION NUMBER AND THAT IS THE FRAUD THAT TOOK PLACE BY THE SAME PERSONS OR BANK PERSONNEL. 
NOW I WENT TO THE BANK AND WITHDREW {$200.00} YESTERDAYXX/XX/XXXX AND GUESS WHAT IT SHOWS TYPE : DEBIT CASH WITHDRAW AT BANKING CENTER # AS WELL AS CONFIRMATION # AND THAT IS MY PROOF THAT WHAT TOOK PLACE WAS PART OF ALL THE FRAUDS IDENTITY THEFT THAT TOOK PLACE. 
I HAVE SENT COPIES OF EVERYTHING ALL LETTERS FROM ARIZONA FRAUD AS WELLS AS FRAUD CLAIMS AS WELL AS ATM/DEBIT OPERATIONS.AND A COPY OF THE FRAUD STATEMENT WITH MY SIGNATURE AND EXPLANATIONS INCLUDING THE POLICE DETECTIVE NAME DATE REPORT # PHONE AND BADGE AS WELL AND I ALSO HAD FAX IT TO AS WELL 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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NICHOLAS FINANCIAL INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The investigation told me about debt collector. The debt collector told me it came from a dr at a hospital during a XXXX last year. I called the dr. And the hospital they reffered me to. Neither the hospital nor the dr. Have any knowledge of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance in saving my home with my servicer, SPS. I hired an attorney to help me submit my paperwork to my lender. My attorney confirmed SPS received my full and complete application and all financials and that my loan was under an active review for loss mitigation ( Loan Modification ) as of XXXX/XXXX/2016. My attorney again spoke with SPS on XXXX/XXXX/2016 and confirmed my loan was still under an active review. I was previously denied for a loan modification and my appeal was closed on XXXX/XXXX/2016, however SPS told my attorney that another review was open and they were working on it starting immediately after my last application and appeal were denied on XXXX/XXXX/2016. On XXXX/XXXX/2016 my attorney spoke with SPS and confirmed my loan has been under an active review without pause since XXXX/XXXX/2016 and is still currently under review and awaiting a decision. My complaint is that SPS via XXXX XXXX XXXX, recorded a Notice of Default against my home on XXXX/XXXX/2016??? According to my attorney : RESPA Reg x ( 1024.41 ) states no foreclosure action shall be ordered while a homeowner is under an active review for loss mitigation assistance. It appears SPS allowed XXXX XXXX XXXX to order ( start ) foreclosure against me while I am under an active review ( DUAL TRACKING ), my foreclosure process. Another complaint I have is that they have had my application with everything they would need to make a decision since XXXX 2016. They keep stalling, evading making a decision in order to dual track my foreclosure process and then leave me with no alternative once my time runs out and I am foreclosed. I am told they are required by RESPA to make a decision in 30 days or less. Instead they are making up excuses and dual tracking me and after XXXX/XXXX/2016, THIS MONTH, I will face a Notice of Sale. I feel this is not only wrong, but something the DUAL Tracking laws and RESPS Reg X was supposed to protect me from. My attorney states SPS acts as a co-conspirator for the investor of my loan in evading, stalling and dual tracking me PURPOSELY in order to block me from getting help before it 's too late. PLEASE STOP this very bad servicer from hurting me and everyone else they do this to. It 's unethical and apparently illegal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Credit line increase/decrease

Complaint: I called bank of america to inquier about a credit line increase. The rep assured me that it would not be a hard inquiry. She assured me 4 times and than a 5th time that there will not be a hard inquiry on my credit. I received an email from XXXX 5 minutes later stating there was a hard inquiry on my credit report from bank of america. I called back and the next rep told me that there is always a hard hit and didnt know why the first rep told me. I requested to have the call pulled. The 3rd customer service rep said she would go ahead and see what could be done. Bank of America put a hard pull on my credit report after stating over and over again that it would not be a hard pull

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed the public records listed on my credit report which were dismissed without prejudice, yet Transunion Smart Move continues to report them as judgments for debts, specifically evictions. I requested an investigation, to which the company exceeded 30 days to respond. And when they did respond beyond the 30 days, they responded and said they verified the information as accurate from " a web site. '' As you will see from the attached. The cases were dismissed without prejudice. However the bureau refuses to adjust this.

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 08/27/2015 about Mortgage (Conventional fixed mortgage) with BOK FINANCIAL CORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We financed a new built home XXXX years ago with Bank of Texas XXXX id number XXXX out of XXXX Texas. The closing was a nightmare. We had gone to close XXXX different times. The closing cost increased and increased as we were told by the loan officer to sell XXXX ours cars and it would increase our credit score. We did this and it lowered our credit score by XXXX points which put us in a different bracket so we had to come up with more money. We ended up staying in a hotel for XXXX weeks with XXXX dogs costing over {$1500.00}. The loan officer said he would pay for all expenses for the hotel. He only gave us {$500.00}. So we were out the other {$1000.00}. XXXX years later I get a bill from Bank of Texas for XXXX stating that I owe them in back escrow that they have been collecting for. My husband and I are now going from a {$2600.00} payment per month to a {$3400.00} payment per month due to this so called " miss communication '' We are devastated about this large of a payment as I was let go from XXXX and was making XXXX per year. I am now working XXXX only making {$12.00} per hour.

Company response to consumer: Closed
Consumer complaint received 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with 4M Collections, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Discovery Financial is trying to collect form me XXXX XXXX. I was only an authorized signer on account. My father XXXX XXXX was the actual account holder, he is the only one that signed up for the account. Ive tried numerous times to get Discovery financial to send me a copy of the SIGNED application. They can not provide it. They can only provide a bunch of statements where I did make the payment or signed for tire changes or things of that nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation