milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied to Wells Fargo Home Mortgage for assistance on my loan XX/XX/XXXX. At the time, I was 60 days past due. I requested a deed in lieu of foreclosure. Every 30 days or so they request, in writing, additional documentation. I provide the documentation and request receipt confirmation by a phone call. 
I had until XX/XX/XXXX to submit the most recent information. I provided the information by fax on XX/XX/XXXX and placed it in the mail ( " snail mail '' ) on roughly the same day, give or take two days. 
Since XX/XX/XXXX, I have placed three phone calls to my " Home Preservation Specialist '' and her supervisor requesting a return call. It is now XX/XX/XXXX and Wells Fargo has not called. 
The Home Preservation Specialist is now XXXX XXXX ; between the months of XX/XX/XXXX and XX/XX/XXXX, it was XXXX XXXX. XXXX XXXX is XXXX 's supervisor. 
The outgoing voicemail message for XXXX XXXX on XX/XX/XXXX stated, " Today is XX/XX/XXXX. If you are calling between the hours of XXXX and XXXX Eastern Standard Time, you may press XXXX to be connected to the next available Home Preservation Specialist ''. When I pressed XXXX, I was informed by a robo-operator " no operator defined '' and re-routed to XXXX XXXX 's outgoing message. 
XX/XX/XXXX, I reported to XXXX XXXX I had consulted with an attorney regarding debt negotiation. I also requested a copy of all correspondence from Wells Fargo related to my request for assistance dating back to it 's conception in XX/XX/XXXX. She agreed to send it. I have yet to receive said correspondence and since that time I have not been able to speak with anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a complaint with the CFPB regarding an issue with Equifax reporting XXXX XXXX XXXX accounts that I was an authorized user on. I am no longer associated with the account so I requested the accounts to be removed. The CFBP sent my complaint to Equifax and I just received an alert that the accounts are still on my report and no longer in dispute. This cause my Equifax FICO score to drop XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: They made it extremely difficult to be signed up for income driven repayment. Even though XXXX XXXX approved mine with the same documentation, Navient kept requesting more and more and trying to hold off on signing me up. I had to yhreaten to call the attorney general to get anything done!

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech formerly known as Green Tree Servicing, LLC made an interest and principal payment adjustment for my XXXX 2015 monthly payment of which Green Tree Servicing has already acknowledged in the past to making adjustments and still has not been corrected. Adjustments seem to take place when I make an additional principal payment on my fixed rate mortgage that has no prepayment penalty. Adjustments of daily interest occur starting the XX/XX/XXXX and is added to the next months monthly interest. Also their website financially binds the clients and I absolutely did not agree to the Web term use. The website disclaimer reads in part, " You ( and not Ditech ) assume the entire cost of all necessary servicing, repair and or correction. The same disclaimer wording also for Green Tree " You ( and not Green Tree ) assume the entire cost of all necessary servicing, repair or correction. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Via the hack that exposed 137 ( approx. ) million US consumers credit data at Experian, I am apparently included. This is XXXX XXXX, 2017. I Just used their online portal to check, and my information is said to be included ( complaint portal at XXXX XXXX XXXX ). 
This is a complaint against Experian for failing to hold my data securely, and putting me, and millions of other American consumers at risk. 
This is ENTIRELY UNACCEPTABLE. We should not, in this day and age, even be using SS numbers as identification. This situation only drives that point home. But to have the very people supposed to be safeguarding that information leak it is beyond the pale. This entire model of doing business is looking worse and worse. 
I think I speak for a lot of frustrated consumers today when I say I demand something be done to 1. Punish Experian and 2. Make sure that this can not happen again.

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 EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi I have been disputing this issue with the credit bureaus since XX/XX/XXXX. I keep telling them I did n't authorize the inquiries from XXXX XXXX made on XX/XX/XXXX and XXXX XXXX XXXX made on XX/XX/XXXX. I did n't give any permission to these two companies to pull my credit report and and to my understanding it is illegal to report false information on a consumers credit report. Please help I do n't know what else to do! They are n't listening. This is hindering me from a lot of things.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (I do not know) with Collection Bureau of America Ltd. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: COLLECTION BUREAU OF AMERICA has not responded to claim on # XXXX. They have not provided proper validation of the debt and they continue to report to the credit companies. COLLECTION BUREAU OF AMERICA is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.

Company response to consumer: Closed
Consumer complaint received 11/19/2015 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I had a loan with Speedy Cash and I paid it off in full on XXXX XXXX, 2015. The funds were always available in my account on the day of withdrawal. After the loan was paid off they then stated I owed a late fee of {$88.00} because my payments were not on time. Their system did not take the payments on time, the funds were always there. I called them and they said that it was going to go to the accounting department and they would get back to me. They did not get back to me but instead tried to deduct the funds from my account. At that point there were no funds in the account and I was charged an NSF of {$29.00} due to this. I called them again today and they stated that I owe it due to payments being late. I asked them how it was my fault their system did not take the payment on the due date? I was informed that I had to pay this late fee regardless. I told them I was not going to pay it and they were no longer authorized access to my account. I am sure tomorrow they will try again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: transunion report td auto finance XX/X/2016 & XX/XX/2016 I tried disputing these inquiries but was told they are matter of fact without doing investigation. which they are required to do and if they were to follow the rules would find out inquiries were not authorized by me. I am asking to do full investigation on said inquiry to clear it from my 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 03/26/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I have a hard credit inquiry in my XXXX report from XXXX XXXX, 2015. I never authorized to reopen the case for a previos credit card application. I was never told that the will do a hard hit again on my credit. I only requeted to review the reason on the denial. I have contacted the bank, the don ; t believe me. I contacted XXXX, they said the bank has to do it. I want this to be removed from my credit report. I was misinformed and my credit inquiry was used without my authorization. I want to put a complaint againt Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Baxter Bailey & Associates (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: this person attempted to collect an unpaid bill from XXXX of our vendors. during conversations, we made arrangements with the vendor directly. they accepted our arrangement and now we are being threatened and harassed everyday by this person. he is also calling our other vendors and harassing them. we have explained to him we have settled this with our vendor and they still are harassing us and our other vendors which is now disrupting our business.

Company response to consumer: Untimely response
Consumer complaint received 02-09-2017 about Debt collection (Credit card) with DISCOVER BANK (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received IRS Form XXXX for Tax Year 2016 indicating a discharge of debt by Discover Bank. My complaint here is not an admission that I owe or have ever owed this debt, I do not know at this time. I submit that if this was in fact ever a valid debt, it would have timed out years ago and the XXXX should have been issued long ago when it was clear the debt would not be repaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: I have been a victim of a fraud and identity theft. Someone stole my Chase Atm card and saw my pin ( maybe over my shoulder I can only speculate ) the amount stolen was {$9300.00} without my authorization or consent. When I realized I called Chase immediately and open a claim with the Fraud Department. In the letter they sent me they said I authorized the transactions. I never authorized the transactions, gave the pin or join the account with the suspect or individual that did this federal crime. I went to the XXXX police department and filed a police report and when the report was ready I sent a certified mail to Chase with a return receipt and on all my communication with them, they refused to refund my stolen funds. 

I explained I was a victim of fraud and I asked the bank to open the claim, investigate and prosecute the individual who stole my funds. I want to solve this with the bank before I take further action. I 'm already in communication with any organization that can help me, again I have been victimized by this theft. The funds were taking from my account generating high fees when I thought my money was secure with Chase that did n't act in my best interest protecting my money or sending any message about suspicious activity in my account and they did n't flag my account for suspicious activity once the cash withdrawal commenced. I informed the bank immediately within the XXXX business notification window. 

I have XXXX police reports. The police already know the name of the suspect. This is a federal crime in which I have been a victim of Identity Theft and Fraud and should be prosecuted by the law and my money should be refunded. 

I informed the FBI, the XXXX and Consumer and before I take further action I wound like you to interfere with Chase and send this complaint on my behalf. 

Thank you in advance! 

Truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (I do not know) with National Debt Group of NY (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received an 'Important XXXX Notice ' ( I never received a XXXX notice ) on pink paper on XXXX/XXXX/2015 from a company that did not even put its name on the notice - I found it in the return address. 

When I checked the XXXX, this company ( National Debt Group ) has had several complaints, and an 'F ' XXXX rating. An internet search brought up a plethora of complaints and actions against this company, including a Complaint pleading from the State of Oregon, that they were n't even set up as a corporation, nor were they registered as debt collectors. 

I have no outstanding unpaid debt, so I have no idea what debt this is supposedly about. The 'Est. Creditor Balances ' = {$20000.00} according to them, with a settlement offer of {$10000.00}. I am sure that this is a scam to scare people into paying money that they do not owe. I BEG YOU to look into this company and do something about this. These kinds of places are a scourge on our society. If I was XXXX or not too smart, they could very easily have duped me into paying money that I do n't owe. 

Thank you very much for all of your work!

Company response to consumer: Untimely response
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On or around XX/XX/17 I was reviewing my credit report and I found several HIPPA Act violations. I am requesting a investagation according to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims I am allowed to review any and all documents related. I need to review the following documents from these companies 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX Please notify these companies to cease and desistFRCA 604 ( A ) ( 3 ) all contact and communications with me immediately.

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 12/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Because Bank of America has dual tracked I am facing the possibility of being sued under a claim of right to title and, therefore, the right of ownership and possession. Just to be clear, any resulting dispute based on Bank of America and XXXX, the Trustee at the time of sale, choices to begin foreclosure and property separation processes is not a matter of eviction or tenant/landlord issues as it is an ownership and right to foreclose issues of law. 

Currently, there is no pending litigation or other disputes before a California Court challenging my adverse possession and time barred debt claims, or any other claim or concern set forth within the XXXX CFPB complaints related to the loss mitigation process or the 2007 Deed of Trust and my home loan mortgage account in general and the XXXX HAMP modification and process in specific. 

All previously mentioned resolutions are desired and mandatory and are to include, but not limited to, all associated housing and storage expenses and costs for all periods for which residentcy, possession, and occupantcy has been disrupted or otherwise prevented on and within the subject property.

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 10/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Billing disputes

Complaint: On XXXX/XXXX/15 I arrived at airport to find that my flight dates were incorrect. I had to transfer dates and was told the fee would be {$320.00}. When I arrived home and checked credit card statement I found that there was an additional {$200.00} and {$35.00} fee charged on my account. I contacted XXXX XXXX and my credit card company immediately to dispute these charges as I did not agree to these additional charges and they were different than the actual charge I was told by the employee at the time of the transaction. I have paid the {$320.00} that I was told would be the transfer fee but the additional charges are inaccurate and I do n't feel that I should have to pay for charges I was not made aware of at the time of the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2017 about Vehicle loan or lease (Loan) with COOLEY ENTERPRISES INC (TX).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: I purchased my vehicle XX/XX/XXXX at XXXX XXXX I was told by the sales guy that after a year I would be able to trade my vehicle in if I paid my payments on time in which I have never missed a payment. I decided to go to XXXX XXXX XX/XX/XXXX to trade my current vehicle in for a new car. The sales guy told me that the person that sold me the car was just saying that and its not completely true. I have been paying my car note on time with no issues at all and was denied as they told me car is too low which is not true. This program the Fresh Start Program is  misleading and takes affect on me as the XXXX XXXX has ran my credit to basically waste my time. Not only does this steer me away from doing future business with XXXX XXXX but this takes affect on my credit as well. I was even told by the agent that after a year XXXX XXXX was to transfer my loan to actual bank since I have paid on time and none of this has been done. XXXX XXXX really scammed me into something that I am stuck in and wasted my time as well. Coming from an on time paying customer

Company response to consumer: Untimely response
Consumer complaint received 06-08-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On or about XXXX I was no longer able to pay my second mortgage due to a loss of income ( father in-law who was on the mortgage passed away then wife became unemployed ) with me becoming delinquent on the first soon after from back to back hardships. 

The lender of the second mortgage refused to work with me in any way, shape or form such as a loan modification, deferring payments, lowering the interest rate from 7 % to something more modest, etc. 

During XXXX the lender, NATIONSTAR, charged off the full amount of {$71000.00} and issued me an IRS tax form XXXX " cancellation of debt '' for the XXXX tax year. 

When reviewing the form I noticed that box # XXXX which explains the reason and or type of cancellation was not filled in. I contacted NATIONSTAR asking for a completely filled in XXXX along with a notice of wether or not the lien was released so I may forward it to the first mortgage company in an effort to save the home. 

I was told by Nation Star that although the debt was charged off and they received the tax benefit of it and that I had to file it with my taxes where it could have been considered earned income, except for the law that was in place at the time, the debt is still valid and owed by me and they maintain a lien against the property still. 

Can this be legal and if not who can help me resolve this?

Company response to consumer: Closed with explanation