milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: There is a motion on XX/XX/XXXX @ XXXX XXXX XXXX courthouse to reschedule foreclosure sale date based on 100 % illegal, fraudulent foreclosure. 
XXXX has sold, transfer or assigned this mortgage to Caliber Home Loans XX/XX/XXXX. 
1. Got out of non-jury trial XX/XX/XXXX which I knew before walking in Judge chambers I was going to lose. 
2. Five Year Statute of Limitations XXXX SOL XXXX Expired XX/XX/XXXX. 
3. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : FORGED SIGNATURED & NOTARIZED ON ORIGINAL MORTGAGE, robo signing, testifying. Their was the biggest lying straight face robo testifier from XXXX XXXX XXXX at non jury trial, it is sad and unacceptable how all their lies, fabrication, abuse of justice system were allowed into evidence. My Forensic Examiner/Witness testimony to original mortgage & note signatures being 100 % forgery was not allowed by XXXX XXXX Court. XXXX law firm does all plaintiffs dirty work. Attached is the letter from my Forensic Examiner to this fact. 0 DUE PROCESS!!!! 
4. Force placed homeowner insurance obtained at illegal price gouging rates three, four times normal amount. Obviously this bank makes huge amounts of profit on this type of insurance they claim to buy & with whom of their choosing of course. 
5. I was told by attorneys at XXXX XXXX Courthouse XXXX XXXX does not ever lose a foreclosure case XXXX XXXX XXXX even with 100 % FRAUD XXXX. Our once sacred courthouses have been taken over and preyed upon by this mammoth corporation. 
6. XXXX XXXX XXXX XXXX XXXX. ( yes same XXXX here XXXX is scheduled to open oral arguments XX/XX/XXXX before Florida 's Supreme Court addressing addressing the 5 year Statute of Limitations. SOL has expired on this closed case.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX XXXX, Convergent Outsourcing Inc, reported a debt on my credit reports without contacting me nor giving me the rights to dispute this debt that was reported in my credit reports for 7 years by another company and was removed since the statute of limitations to collect had expired. I have proof of the collection which reported on my credit report from XX/XX/XXXX to XX/XX/XXXX. The statute of limitations in my state is 7 years to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern, I am a victim of identity theft which in the process i have fradulent and wrong, personal information in the transunion credit file that belongs to me. I am going through a finiancial burden and i am unable to get a loan of any sort due to the fact that infromation on the transunion credit file is not mine. My transunion credit score and my fico score are to low and will be able to be evenhigher and better if these wong and fradulent, personall information can be corrected to the best to the best of my knowledge. The information is incorrect and i am trying to fix and make sure that all my personal information is corrected and passed on to all the credit bureau agencies. i have been denied credit in the past 10 to 60 days. I know it is a crime to give false information to any local, state, or federal instuiton or agency therfore i am giving transunion the opurtunitty to help me resolve these problem as soon as possible. So to my best intrest all the information that i have and will give to transunion and the cfpb is correct and can be and will be able to be prooved with any or all legal documents to be provided by me. 
Please Help me i do not know what else to do. Please advice. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I asked to close this account on XX/XX/17 while keeping other Thankyou Points cards open. I just logged in and found that XXXX points were forfeited due to this closure since points expire 60 days after closure. This was never disclosed to me at any point during the call and I certainly wouldn't have closed the account if this was going to happen. This is not a policy with any other card issuer if you keep at least one account that earns the same type of points open. I expect that these be reinstated or I will transfer all my business to XXXX XXXX, who doesn't play games like this with their XXXX XXXX. The card was an XXXX XXXX XXXX XXXX XXXX card ending in 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 non-monetary relief
Consumer complaint received 03-03-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage currently serviced by Wells Fargo. We made a large ( 25 % ) payment of principal of the loan amount. They did not adjust our payments. We called, and it turns out, the consumer has to call Wells Fargo, request a form, have that form mailed to them, complete and return the form, and only then will Wells Fargo adjust the payments. If I had not called, they would have charged me the original amount for the next 29 years. This is something a computer will do in two seconds, and they should do it automatically. By failing to do so, they are overcharging, and misleading their customers.

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 03/24/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am asking for someone to please help me with Bank of America Home Loans. After my wife was bitten viciously by a dog, she lost her job and as a result we fell behind in mortgage payments. Bank of America has been making my family fight a fight that even when serving in the vietnam war, I would rather be back there than having to deal with the underhanded tactics of Bank of America. They have denied us a couple of times not because of our financials but because they claim we do not have the right paperwork but we are submitting all documents that are being requested of us by Bank of America. Furthermore, they had issue with my wife 's bank statements claiming that the letter head was incorrect. We provided bank statements directly from the bank, this is ludicrous. More recently, my wife submitted yet another package for modification and around XXXX XXXX, 2016, Bank of America agent XXXX XXXX confirmed we had a COMPLETE package and that they would be reviewing us. Further, she informed me that we would do the financial interview and that she would call me in the next couple of days. Well, low and behold two days later we get a Notice of Trustee Sale posted on our door. How can they tell us on the one hand that they have a complete package and that we are being reviewed for a loan modification and then try and sell my home. Bank of America is engaging in illegal dual tracking and they are in violation of the Homeowner Bill of Rights passed in California. I ask that someone kindly monitor my review process so that I am given a fair chance at modification. I served my country in XXXX and I was XXXX XXXX. I have been through so much and Bank of America is completely stripping me of all of my pride, as I can not fight this battle in a fair manner. I am working full time, my wife will be receiving her XXXX and my kids help us out. I want to start paying Bank of America a mortgage payment I am not trying to live for free. I beg you please help me to get a fair review for a modification.

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 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have attempted to dispute through their portal and it will not allow me to dispute inaccuracies on my report. I have evidence to support my claims but they will not allow me to dispute and they refuse to let me in and go through their website. I can only submit it through here so that they may receive my dispute and investigate the inaccuracies.

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 07-08-2015 about Money transfers (International money transfer) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Other transaction issues

Complaint: On XXXX/XXXX/2015, I purchased an item from XXXX. The seller was located in XXXX and offered free shipping ( see attached ). This free shipping and the entire transaction was based on false and misleading advertising. The seller knew that the item, even though advertised ( see attached ) to fit the style ( XXXX XXXX XXXX ) of my vehicle, did not fit and an unsuspecting buyer would be forced to send it back to XXXX and eventually end up paying for shipping. 

The item is too long for the trunk of my XXXX MB. When I contacted the seller, " XXXX '' stated that I should return the item but she was unable to provide a prepaid return label from XXXX. Although she mailed the item via XXXX ( # XXXX ), the seller also stated that " there is no local shipping address within United States, that 's why we ca n't offer pre-paid service due to we are not located in USA '' ( see attached ). If the seller is not operationally equipped to handle returns, then they have no business selling to customers located in the United States. This is a scam! 

On XXXX/XXXX/2015, the fee in the amount of {$49.00} was charged to my Capital One account ending in XXXX. I filed a dispute which was denied by my bank due to seller XXXX 's statement that the item did in fact fit my vehicle. Although, in previous messages from XXXX she stated that she understood my concerns and will gladly refund my money once I return the item with shipping charges paid by me. On XXXX/XXXX/2015, {$49.00} was rebilled to my account ( see attached ) for item number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I previously disputed several inquiries with TransUnion and never heard back on the following results, it has been several months already : - XXXX XX/XX/XXXX : Not my inquiry, resulted from identity theft - XXXX XX/XX/XXXX : Not my inquiry : company states a company applied for a merchant account. I am not a company nor have I ever owned a company. 

- XXXX XX/XX/XXXX : Not my inquiry, resulted from identity theft - XXXX XX/XX/XXXX : Not my inquiry, XXXX sent me a letter stating they were n't able to find why they ran my credit and they are requesting I provide them with my social, I will not provide my social as this initial inquiry was a result of identity theft. 

- XXXX XX/XX/XXXX : Not my inquiry, XXXX sent me a letter stating they were n't able to find why they ran my credit and they are requesting I provide them with my social, I will not provide my social as this initial inquiry was a result of identity theft. 

- XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This Complaint is intended to address the ever-escalating obfuscations by Professional Debt Mediation regarding the failure of both t he Collection Agency  itself and  XXXX   XXXX   XXXX  to comply with either Federal Law or Florida Statutes in the handling of the debt assigned to the Agency by the Creditor, as the very fact of the fraudulent notice of intent to make a claim on my deposit -- sent via Certified Mail on  X/XX/2016   , more th an two mont hs after the debt had been submitted to the Credit Reporting Agencies and quite obviously intercepted by the Creditor itself ( similarly a violation of Federal Law ) in an effort to prevent me from obtaining proof of its fraudulence, or the notice would have been forwarded to me as required by my change of address Confirmation -- is a clear indication that the Creditor was keenly aware that the concepts of " abandonment '' and " vacating '' cited by Professional Debt Mediation do not apply when the Courts have evicted a tenant and ordered the loc al Sheriff 's Office  to take possession of an apartment on behalf of a landlord ( see attachments ), leaving the Creditor fully obligated to comply with the notification via Certified Mail requirement specified in Florida Statut e 83.49 ( 3 ) ( a ), r egardless of whether or not the Creditor was provided with a forwarding address.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian is currently reporting a Ch XXXX Bankruptcy on my personal credit report. However, the name and address associated with the bankruptcy does not match either of mine. I have requested they remove the item but they have not yet despite my continued disputing of the item. 

The associated line item has an acct # of XXXX on 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 explanation
Consumer complaint received 10/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering because of this. No notice was given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: XX/XX/XXXX - Emergency Room visit.XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''

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 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I used to have an account with XXXX Internet service in XX/XX/XXXX. Today, I was advised from a collection agency called Debt Recovery Solutions , LLC that I owe XXXX. I know I do not owe this amount, so I called XXXX directly on XX/XX/XXXX at XXXX XXXX EST, and spoke with a XXXX representative from XXXX ( after being transferred a few times ) who located my account by address, and he told me that I do not owe any amount. He said when the account was active, the account was always paid in full every month. I asked him, " what should I tell the collection agency? ", and he said that I should give them my account number and they should be able to see that I do n't owe any balance. Unfortunately, I did not get the XXXX rep 's name, thinking the account number would be sufficient but if their calls are recorded, then they should be able to locate that call to verify. 

So I then called Debt Recovery Solutions, and spoke with a XXXX, and explained to him that this is not a valid debt because XXXX had just reviewed my account information and told me that I do n't owe anything. XXXX said he would remove the collection from my report, if I got a confirmation number from XXXX. 

So then I called XXXX immediately after my call with XXXX from Debt Recovery Solutions. I spoke with XXXX from XXXX XXXX XXXX, who took a very long time trying to locate record of which I owe any amount. She did not find any amount that I owe to XXXX, she does not show that I owe anything, however she could not confirm or deny that I owe {$160.00}, and referred me to Debt Recovery Solutions to verify if the debt is true, but when calling Debt Recovery Solutions, they are aggressively attempting to collect this amount regardless if this amount is true or not. If XXXX saw that I do not owe anything, then why would she refer me to the collection agency to pay something that I do not owe?

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are a number of inquiries on my report that I did not authorize and I do not know why they are on here and I need them off as soon as possible. I called XXXX and they would not remove them. Listed below are the name of the inquires and the dates of them all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX card XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX finance XXXX XXXX XXXX Cap XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cr XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX auto XXXX XXXX fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX Premium cred 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 non-monetary relief
Consumer complaint received 04/28/2017 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: There was a credit account opened under my name due to identity theft. I disputed the information with  XXXX  and  XXXX  by providing police reports and identity theft affidavits and was successful in having those bureaus remove the incorrect information. However, Equifax refused to look at my information and sent an automated response that the information could not be verified which is keeping this account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Other debt) with Acquired Assets, Ltd. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent XXXX XXXX XXXX a letter asking to verify and validate this account in the balance of XXXX and I received no proof of documentation of contracts with signatures. no proof of fair and thorough investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I getting almost daily calls from this agency, threatened and tried to garnish my unemployment benefit, I am still unemployed

Company response to consumer: Closed with explanation