milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2016 about Mortgage (FHA mortgage) with FIRST MORTGAGE COMPANY (IA).
Issue: Application, originator, mortgage broker

Complaint: I currently rent a duplex located at XXXX XXXX XXXX XXXX IA XXXX. The property was sold on XXXX/XXXX/XXXX for {$180000.00}. The current owners used FHA financing and are not occupying the property. I know this because I 've been receiving their mail since XX/XX/XXXX. The mail is addressed to the current owners on record to my address which I have a lease agreement in place until XXXX XXXX. The property has XXXX addresses listed in the United States Postal Services website. XXXX and XXXX XXXX XXXX XXXX IA XXXX. I 've included a picture showing the XXXX mailboxes. I 've also included the lease agreement from the tenant at XXXX XXXX XXXX, which is month to month starting XXXX XXXX and is good through XX/XX/XXXX. XXXX and XXXX have lived at XXXX XXXX XXXX for over 5 years and will remain there until their current lease has expired XX/XX/XXXX. Simply sending someone out to the property and asking who actually lives there would clear this matter up.

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 03/27/2018 about Money transfer, virtual currency, or money service (Check cashing service) with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Problem with customer service

Complaint: I went to XXXX in XXXX In where a employee of the same company I work cashed his check I presented my check from the same company was denied by XXXX XXXX XXXX XXXX. I called the phone provide by XXXX and was told they could not tell me why they refused my payroll check. I went to XXXX in XXXX In and XXXX in XXXX IL and they would not cash the check and again given the number for Certegy.. When calling the Automated system does not offer clear way to get information or clear way to dispute there decision. I went to Certegy web page and again no clear way to dispute there decision. The only thing I could see for information was to ask for a copy of my file. I requested the file and waited 2 weeks for it to arrive. While waiting I  earned another paycheck and decided to cash it with XXXX mobile deposit. Certegy again denied my check for deposit. At this time I had received my file from Certegy. On the first of six pages it lists all the checks I have cashed or presented for cashing. Beside the item it reads Authorized or Not Authorized reason below with a microscope 99 see reason below.. Under the list it says 99 this transaction fell outside Certegy Guidelines.. The next column is for outstanding items.. Nowhere on the six pages is the an explanation of code 99 other than whatever code 99 is my file was perfectly clear. Again in the six pages there is no place to dispute the decision or find out the reason for Certegy to turn down payroll checks that I work hard. My next action was to call Certegy at a different number that was given to me when they refused my paycheck. I spent an hour on the phone with there representative verifying Identity and going over my file and verifying funds in my employers account. She told me my file look good and did not see a reason for my paychecks not to be cashed. Then the representative told me there was nothing she could do and could not provide me with a dispute Certegys decision. So after all of this I found out they should cash my payroll check. They won't cash my payroll check and did not give me any explanation or way of disputing there action. I go to work and work hard as a bricklayer and Certegy has stop all options for me to cash my check without driving 200 miles to my employer financial institution.

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 11-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: File Number : XXXX I have a a unverified accounts from the following : COMENITY CAPITAL/HSN # XXXX Please Delete no record found. 
SPRINGLEAF # XXXX The account not verified please delete. 
XXXX. XXXX This account is a XXXX violation please delete. 
XXXX XXXX, # XXXX, # XXXX XXXX accounts has never been verified error please delete. 
XXXX # XXXX Never done busines with this company please delete. 



XXXX - XXXX XXXX {$2200.00}. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 03/19/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: XX/XX/XXXX To : Wells Fargo From XXXX XXXX Re : Check Fraud On XX/XX/XXXX I have spoken with Wells Fargo 4 representatives XXXX ; XXXX ; XXXX XXXX and XXXX XXXX regarding claim or Case # XXXX. I was given phone number XXXX regarding this case. I have spoken with XXXX XXXX on the same day by telling him that there are 3 issues especially two cashed checks without my consent in XX/XX/XXXX and XX/XX/XXXX. He has asked me account number over the phone. I told him that my phone could be monitored by someone else that I can not disclose my account number over the phone. Most important due to the terrible experience with Theft XXXX XXXX, I can not release my account number over the phone. XXXX XXXX has asked me to go to banking branch.l On XX/XX/XXXX I went to banking branch located at XXXX XXXX XXXX XXXX in Washington DC XXXX. I have brought over check Image and showed to branch manager. I was misled and terribly treated by this branch staff especially their manager. OnXX/XX/XXXX I was throw out by this branch and all my accounts were closed. Today when I showed two checks images to this banking branch manager, he used all kinds of excuse to push responsibilities. 

I told him according to the checks image, my name was on the check as payee. I NEVER authorized anyone to cash my checks. I was only person who had business relationship with original issuer. My mailing address was on the check. Therefore there was no any second person who has same name with me according to these 3 identification facts. 

On the back of the checks, it clearly showed someone else 's endorsement which I totally can not recognize. I NEVER authorized anyone to cash the attached two checks on my behalf. Each check was {$370.00}, total {$750.00} issued from Wells Fargo. 

As a check fraud victim by suffering such type of insult, I was very upset at XXXX XXXX XXXX Branch. However I never received any assistance when I asked this banking manager to file fraud claim as well as obtain fax number so I can fax over the copy of canceled checks. 

Then this manager begin to ask me to leave. Same as XX/XX/XXXX. He also stated that He want to close all my accounts if I continue to file complaint. I told him that I brought my complaint to the bank since XX/XX/XXXX to Wells Fargo. Why do you continue to defraud consumer? Why didn't you investigate and put theft to jail? Why discrimination continue existed? 

Since I already went to branch 5 times and filed at least 2 complaints sinceXX/XX/XXXX. Most recently on XX/XX/XXXX I filed claim with case # XXXX. I tried my best to contact this bank to collect stolen funds. I must claim {$750.00} plus 20 % interest plus {$100.00} late fee each month plus my gas fees. ( CHECKS  IMAGES AND POLICE REPORT HAVE BEEN ATTACHED ).

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 10-06-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have asked them to stop calling me and they call me all day and more than XXXX times an hour

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.

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 05-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with Western-Shamrock Corporation (GA).
Issue: Charged fees or interest you didn't expect

Complaint: On my second payment, I called to make it early, and the lady said their machine was acting up and double charging people, so she could n't take my payment. I went out of town the next day for work for 20 days. I did n't take my card because I did n't want to lose it, and we got per diem for work, so I did n't need it. I called yo pay when I got back yo town and they were charging late fees. I explained that I had no problem with paying, but I was not responsible for the fees because I tried to pay early. He said they would n't take the fees off, so I said i was n't going to pay. The problem comes when they continuously call my mother, my reference, and do not call me. I told them on  XXXX   XXXX  to call me, and they called her again today  XXXX   XXXX . The guy just laughs and tells me i need to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  X/2017  I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Mortgage (FHA mortgage) with MCCUE MORTGAGE COMPANY, THE (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I have always paid my mortgage two weeks early, I have been receiving letters monthly going back to XXXX? Stating that I was late. Obviously this was a major concern for myself. I called, talked about the issue, and was told it was resolved ( They received it early, suggested I pay it later in the month to fix the issue - it was applied as a principal only payment ). I started mailing my payments on the XXXX instead of the XXXX. This has happened every month since then and no one seems to be able to resolve the issue for me. I keep getting " My manager is n't available - they 'll call you back '' " I 'll call you before the end of the day '' " I 'll send you an email today no matter what to give you a status update ''. The issue right now is that I 'm " late '' on paying the late fee from paying early ; the same late fee I 've been told has been taken care of on multiple occasions. I also requested a corrected XXXX that showed my proper interest paid as the value on my XXXX is incorrect for 2015. 

At this point I do n't trust any of their accounting for my mortgage ; and no one is getting back to me or resolving my issue. I have spoken with McCue Mortgage on XXXX occasions at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have paid accounts and I have differed loans that were settled. I also have medical bills that were paid that are still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I AM FILING THIS COMPLAINT BECAUSE EQUIFAX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX CRE ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT UNKNOWN ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ALONG WITH THESE INQUIRIES : ACCOUNT NAME : XXXX CARD DATE : XX/XX/2016 ACCOUNT NAME : XXXX DATE : XX/XX/2016 ACCOUNT NAME : XXXX DATE : XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I fell behind in my mortgage payments to JP Morgan Chase due to a job loss and began the process of requesting a Loan Modification. The property had been purchased in XX/XX/XXXX and the Loan Modification Agreement came in XXXX XX/XX/XXXX. My complaint regards the terms of the modification ( the Loan Modification Agreement is attached ). My original loan had an interest rate of 7.5 %, which is exactly the rate on the loan modification. I was 17 years into a fixed rate 30 year mortgage, and the agreement is for 40 years, in effect turning a 30 year mortgage fixed rate mortgage into a 57 year mortgage. In good faith I trusted JP Morgan Chase to provide me with the best possible solution ( their words ) for my situation. The intent of the Making Home Affordable Program was to assist consumers, not take advantage of them. I accuse Chase of acting in bad faith, not providing multiple options to prevent foreclosure and undermining the federal government mandate when it comes to housing assistance. I realize that I am just one of many consumers defrauded by Chase and because I was not given a viable solution I went with what I was offered. I probably have paid for this house in full already and as a XXXX year old retiree I believe my hopes of paying off this debt to be nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I 've made request for this company to investigate and requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even tho ugh TWO YEARS has already passed. All I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (I do not know) with Midwest Recovery Systems (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The company Midwest Recovery is making claims of taking me to jail and sending a Marshall to my job and home if I do not pay. I never took out a loan with the Midwest Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My mom passed away XX/XX/2016. XXXX turned her over for collection. The first collection agency closed their file. She died with no funds. The second agency XXXX turned over the account to let a certified letter sit for XXXX week at the post office, therefore, allowing the XXXX day dispute time to elapse. I sent this company the death certificate in the letter. The day they finally claimed the letter, they sent another general collection notice out. The usps tracking number is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Payday loan () with WLCC (OK).
Issue: Can't stop charges to bank account

Complaint: I had to close my bank account to prevent Green Circle from taking money out of my account! ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) Now I 'm receiving threatening e-mails from Green Circle stating that they are going to contact my references, and I received 2 emails from Green Circle that they are going to do a Wage Assignment ... last time I checked I did not volunteer for a Wage Assignment and two I realized that Green Circle is n't licensed!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Their is a credit reporting XXXX XXXX XXXX XXXX XXXX on my credit report that is past the 7 year law. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: on XXXX XXXX, 2016 this writer sent the allege mortgage servicer Citi Mortgage ( CITI ) a Qualified Written Request ( QWR ) on XXXX XXXX, 2016 Citi gave a response but failed to answer the QWR in its entirety. There is NO FORECLOSURE PROCESS nor was I EVER IN DEFAULT as stated in the notice from CITI. This information from Citi Mortgage is totally fabricated. I clearly requested the LOANS ORIGINATION.. this was totally ignored by CITI By law and as a consumer I have a right to ask for my loan origination etc under the FEDERAL SERVICER ACT, which is part of the Real Estate Settlement Procedures Act, XXXX XXXX XXXX XXXX XXXX XXXX. 
A second request is being sent once again requesting the documentation not received from Citi mortgage. They are in violation.

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 02-01-2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Prior to filing bankruptcy last year I had a private student loan through National Collegiate Trust for a sum of approximately {$19000.00}. A year later after my bankruptcy is discharged I get a call from their debt collector and now it is {$30000.00}. How can they charge {$11000.00} in interest in one year, when I took out the loan in XX/XX/2006 for {$15000.00} and it only accrued {$4000.00} over a period of 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, HOMESTEAD, FL XXXX - REPORTED XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation