milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2016 about Mortgage (FHA mortgage) with Fidelity National Financial, Inc (IL).
Issue: Settlement process and costs

Complaint: XXXX : XXXX RE : Chicago Title Insurance Company In Regards To The Federal Trade Commission ( FTC ) Identity Theft, Fraud, and Money Laundering Complaint With Regards to ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX And The Property Located At XXXX, Illinois XXXX Along With Its Connection to the XXXX case number XXXX and the Appeal XXXX Dear U.S. Consumer Financial Protection Bureau : Please review the attached XXXX PDF Document Link about the above said matter. 
XXXX My former spouse, XXXX XXXX XXXX " XXXX '' committed Identity Theft, Fraud, aggravated Identity Theft, Impersonation, Theft, Money Laundering, and various other criminal action upon me and my titled property located at XXXX XXXX XXXX ; XXXX XXXX, Illinois XXXX. 
I have interest in my property from investment payments I paid onto the said mortgage, till my former spouse filed for divorce ; whereby, my former spouse stole funds from my XXXX XXXX XXXX for my parent company XXXX XXXX XXXX. 
As you can see from the provided documentation, my former spouse XXXX XXXX XXXX " XXXX '' has committed Home Owners ' Insurance Fraud when he filed a claim on XXXX XXXX, 2013. 
The Chicago Title Insurance Company has been aware of the cases and the controversy surrounding the said property for their agency is located within XXXX XXXX County, Illinois at the following address : XXXX, Illinois XXXX Tel : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Cooperation is defined by who we are. 
-- Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Chief Executive Operations Director XXXX, Illinois XXXX Tel : ( XXXX ) XXXX ______________________________________________________________ NOTICE : This E-mail ( including attachments ) is covered by the Electronic Communications Privacy Act, XXXX, is confidential and may be legally privileged. If you are not the intended recipient, you are hereby notified that any retention, dissemination, distribution, or copying of this communication is strictly prohibited. Please reply to the sender that you have received the message in error, then delete it. 
______________________________________________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (LA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Wellsfargo has denied my request to defer my loan. They will not work with me or give me a forbearance through my struggling times. Instead after my request they sent me a letter to let me know my monthly payment has increased. I will no longer pay wellsfargo until this matter is resolved and they remove the late payments from my credit file. This is my XXXX time reporting them to you. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After a car accident I was transported to the XXXX via XXXX XXXX XXXX. The accident was not my fault, and so the other driver 's insurance was responsible for all expenses. The bill was not only paid, XXXX and my lawyer called the debt collector to tell them that. However, I am continuing to get letters regarding this debt. When I called the agency they claim that no one has every called ( neither XXXX or my attorney ) to tell them to take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (I do not know) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am putting a complaint on Diversified Consultants because they are reporting a collection with XXXX that was a result of Idenity theft. I have attempted to resolve the matter with them and sent them in my police report which I am going to attach to this complaint as well. But they have continued to try to collect on an Identity theft Account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I initiated a CFPB case involving several challenges with Nationstar mortgage company and their practices. The issues that I communicated were eventually resolved ONLY after contacting CFPB. The mortgage company did admit to several errors on their part and fixed the multiple issues to my satisfaction. Due to the complexity and longevity of the issues with the mortgage company, I waited for the dust to settle before I contacted them back to align them fixing the errors with fixing my credit report that still contained incorrect data from their errors. The letter that they sent me on XX/XX/XXXX spelled out the months ( XX/XX/XXXX - XX/XX/XXXX ) where the error occurred and timeframe that this issue was active. Since then, I have contacted them and requested that they update my credit report for the duration that I 've had to deal with this issue and they have n't done so to date. For reference, the initial CFPB case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (AL).
Issue: Using a debit or ATM card

Complaint: Wells Fargo Bank has refused to reimburse me for monies that were stolen via the ATM using my savings account and presumably a pin. At no time did I authorize anyone to continuously use a debit card to withdraw money from my savings account nor was pin written down or given to anyone. This fraud was done sometimes 2-3 times a day on different debit cards. Since the fraud also happened on my checking account with illegal purchases, after reporting the fraud on my checking account to Wells Fargo and since these were for purchases, Well Fargo reimbursed me. So I would keep getting new debit cards. Since I never used my debit card to withdraw money from my savings account, I did not notice that fraud was also be used against my savings account slowly draining my account. I understand Wells Fargo policy of how many days I had to notify, etc. and although there was over {$2600.00} worth of money that was taken against my account, I was not expecting the entire amount. However, Wells Fargo still insisted that these were done by me or someone I knew and have refused to reimburse my account. Thus, over {$2000.00} of my money has been stolen and Wells Fargo ( because they ca n't prove otherwise and presumably their fraud insurance does n't cover this ), had just shut down my account leaving me to find a new bank. This all took place in 2016.

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 04-08-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX XXXX XXXX. The school shut down and filed for bankruptcy before I could finish the program and graduate. I was forced to take out private loans that I am being forced to pay even though I did not receive the education I signed up for. I am being forced to pay for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit card () with Weltman, Weinberg & Reis Co., L.P.A. (PA).
Issue: Delinquent account

Complaint: I had an account with XXXX XXXX when i was going through a bad divorce, i fell behind and the account was charged off and sent to collections. i am now trying to settle this account with the law firm handling the collection and they are n't giving me any information, XXXX has my balance at XXXX and this law firm is trying to charge me XXXX they wont give me a break down of the charges that got them to that number and they stated that they are charging me interest on this. i would like any help you could give, the law firm handling this matter is Weltman , Weinberg & Reis XXXX ex XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo paid {$6800.00} on XX/XX/2016 in County Tax from my Escrow account. However my county tax is only {$530.00}. I soon realized the mistake by Wells Fargo and found that Wells Fargo had paid the tax for wrong property address from my Escrow account. I got the Wells Fargo to pay the {$530.00} for my property. I also requested the refund of {$6800.00} which was wrongly paid. However I still have n't got the refund. It 's been 8 weeks of calling to Wells Fargo and all I get to hear is that our Tax department is working on it.

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 04-04-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: We were sold a Pick-a-Pay loan in 2006 by Mortgage Broker XXXX XXXX with XXXX. XXXX XXXX was bought out by Wachovia and then Wells Fargo bought both XXXX and Wachovia. My mortgage was never assigned to XXXX XXXX, Wachovia or Wells Fargo. I have put in several complaints regarding my issue but Wells Fargo denies all allegations and never supplies proof of anything. XXXX XXXX at Wells Fargo is assigned to look up the origination of my loan and they must prove that they own and was assigned my mortgage. They must also show proof the origination of my loan was not fraud but until now no proof has been supplied on Wells Fargo side. There are XXXX mortgage recorded in 2006 for XXXX different amounts. There are 3 applications : 1 ) showing my income as {$6200.00} per month ( I have this in my possession ) It was handwritten. 2 ) another showing my income as {$8000.00} ( generated by Wells Fargo ) I have this XXXX in my possession, and 3 ) regarding a so called equity line of {$35000.00} in which Wells Fargo has yet to show proof of. I have no recollection of an equity line. Nothing has been recorded for an equity line. They are trying to foreclose and can not without proving they have an original. Please see attachments.

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 11/24/2016 about Consumer Loan (Installment loan) with RFNA, LP (TN).
Issue: Problems when you are unable to pay

Complaint: I have been forced into bankruptcy. I notified Republic Finance, with a letter and my attorney 's information. The XXXX Tennessee office is the one that has been calling me they are located on XXXX, TN XXXX. They have been calling me and sending me letters. The last phone call, they threatened me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To Whom it may concern, I have requested validation of account with XXXX XXXX XXXX for a account that they claim belong to me for the amount {$690.00}. I only have partial account number # XXXX. To this day they have not been able to prove. That account is not mind. They keep saying is validate. How can they do that? According to the FAIR DEBT COLLECTION PRATICES ACT it gives me the right to request validation of debt. They keep reporting to XXXX, XXXX  and XXXX .I have attach a letter than I have send to them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I would like validation of this debt. I do not owe XXXX any money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX our credit card account was closed without any notification. I contacted Bank of America who stated the account was closed because of a business decision not to support the type of account we have. They stated they mailed a notice on XXXX XXXX to advise they no longer support the account, which is the same day they closed the account. This put our company in a difficult position and left several of our employees stranded, unable to obtain fuel or make the purchases they needed to make. I understand Bank of America has the right to make a business decision to close an account that may not be profitable to them. However, I believe they should be required to provide advance notice before accounts are closed, especially when the account is in good standing and has not been paid late. Please note : I was a customer of Bank of America for 12 years and this came as a complete surprise and caused substantial disruption to our day to day business.

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 09/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I 've been dealing with Fedloan Servicing about my status with the Public Service Loan Forgiveness Program. I 've been keeping track of my progress towards my 120 qualifying payments under an approved repayment plan but the information about my payments given to me by Fedloan Servicing seems not very accurate. I 've requested the payment amount be researched further and even spoke with managers but I 'm not getting any information. I 've provided supporting documentation that I 've made additional qualifying payments but I 've still not received any response. I 've been told that I need to provide information that is impossible to obtain based on banking practices. I 've been asked to supply documentation that can not be provided due to the purge of Banks and Lender information after 7 years. I 've worked to keep track of my progress and feel that I 'm being penalized because I 'm close to the 120 payments. My loans were also placed in deferment at times due to their issues with processing paperwork and this was not by my choice. The deferments were placed administratively. During these times, my payments do not count towards my qualifying payments and it 's penalizing me based on their shortcomings. My payments were direct deposited and I 've basically have had no change in employment or limited change in income. I 've supplied the required paperwork in a timely matter and have had to contact them several times about on going paperwork issues. I 've requested, on several occasions, that the matter be addressed due to the time I 've been making qualifying payments but I 'm still not being given any reason nor information. I 've also contacted and attempted to contact the prior lenders about the information that was sent to Fedloan Servicing. I uploaded supporting documentation that verified my qualifying payment history, direct deposit info and qualifying repayment plan but Fedloan states they 're " researching '' and " searching '' for more information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (Conventional fixed mortgage) with RABOBANK, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/15, I mailed my regular fixed rate mortgage payment of {$3100.00} to Rabobank NA at XXXX XXXX in XXXX XXXX, California XXXX via personal check number XXXX. Rabobank did not deposit the check until XXXX/XXXX/15. It appears that Rabobank recently changed its mailing address to XXXX XXXX XXXX in XXXX XXXX, California XXXX and the delay in depositing was likely due to that change. Rabobank charged me a late fee of {$150.00} because it says that I supposedly did not make the payment until after the payment was late. That is not true, though, because I made the payment on XXXX/XXXX/15 and the payment was due on XXXX/XXXX/15 and was late after XXXX/XXXX/15. When I call Rabobank 's customer service department, they tell me there is nobody who can discuss this matter with me because their policy is to NEVER waive late fees under any circumstance whatsoever. I do not understand how or why Rabobank can charge me a late fee merely because of their unilateral decision to delay depositing my check. I am further frustrated by the fact nobody has authority to waive the late fee that they wrongly charged under these circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NV).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Representative claimed I would be homeless on the street because of them reporting this supposed debt on my credit reports. I quote " you need to pay us {$320.00} or we will report this on your rental history and you wo n't be able to get an apartment, do you want to live on the street? You need to pay right now ''. 

They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. No proof if ID card etc. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Consumer Loan (Installment loan) with NATIONSTAR MORTGAGE (FL).
Issue: Managing the loan or lease

Complaint: I applied for a mortgage loan with NATIONSTART '' s lender. 
the closing date was on XXXX/XXXX/2016. 
I spoke all the time with XXXX XXXX Purchase Mortgage Professional NMLS : XXXX Greenlight Loans, a division of Nationstar Mortgage LLC Corporate NMLS : XXXX Phone : ( XXXX ) XXXX. 
I summited all DOCS to them. 
they knew that after 30 days of the contract, I will loss the DEPOSIT AND THE HOME INSPECTION as it was stipulated on the contract of the house. 
On XXXX/XXXX/16, I called XXXX and I asked him that the closing was on the next day XXXX/XXXX/16, he got upset with me and told me that he will return me all my documents. I NEVER requested my documents. Anyway, he sent me an e - mail saying that I requested my documents then after I requested to finish the process. XXXX XXXX sent me a DENIAL LETTER. 
I could n't understand if they told me before that the loan process was OK and that the only thing they need was to verify one document.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: Purchased custom kitchen cabinets through XXXX XXXX, CA Home Depot Store using a Home Depot ( CITIBANK ) Credit Card back on XXXX/XXXX/XXXX. After almost 1 year of non-completion of the job, we filed a formal credit card dispute with Home Depot ( CITIBANK ) Credit Card Services on XXXX/XXXX/XXXX. As of today we feel that our case is being purposefully delayed due to Dispute Team Member " clerical errors '' and they are unable to commit to a date in which we will receive our " FINAL RESOLUTION LETTER ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (NC).
Issue: Problems when you are unable to pay

Complaint: I borrowed {$2700.00} on a title loan from Wilshire Consumer Credit XX/XX/XXXX, and added an additional {$500.00} XX/XX/XXXX for a total of {$3200.00}. I 've been making {$200.00} payments throughout. I 'm approaching {$6000.00} now and my balance is still over {$3000.00}. I 've recently learned that Wilshire was found guilty of unfair and illegal loan practices. I knew something was wrong with their practices but thought I was just stuck. I would very much appreciate your help in this regard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company ... 

MIDWEST RECOVERY SYSTEMS XXXX XXXX, MO XXXX ( XXXX ) XXXX Has shown up on my credit report as of XXXX XXXX, 2016, in the amount of {$770.00}, and it shows an open date of XXXX XXXX, 2016. It also shows the original creditor as " XXXX XXXX XXXX XXXX '' ( In which I do n't know who they are either ), I have not opened any payday loans, and I 've tried to look the company up online, in which it shows the website is down for " construction '' and I 've tried contacting them via this number and I 'm just on hold with no one responding. I have no idea who this company is or why this is on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (TN).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance with Elend and they took my credit card number and assured I would not be charged anything until the process was complete. They ordered an appraisal and charged my account before I was approved. They then tell me they may approve the loan in I took cash out. They just wanted to charge me more and make more money. They will not credit my account. They lied about it to get me to give them my account info. They said I ordered the appraisal.

Company response to consumer: Closed with explanation