milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX. I had my husband, XXXX XXXX XXXX XXXX to write up this statement and send it to the CFPB and they in turn sent it to Wells Fargo. Wells Fargo has sent a reply but no explanation. Because of their saying that my HUSBAND is not authorized to discuss the foreclosure, which was their fault for sending back my payments to me, they are not answering at all. The last letter my husband received from Wells Fargo said that they would have an answer for us on XXXX XXXX. No response from them as of now. SO, I am writing this to let you, the CFPB, and Wells Fargo know that my HUSBAND, XXXX XXXX XXXX XXXX, is authorized to get and provide any information about this loss of my home. Wells Fargo has been taking people 's homes in the XXXX XXXX for a long time. Most of the homes that are up here in XXXX, XXXX XXXX, and XXXX are empty due to Wells Fargo messing with peoples payments, and not counting their payments and also not accepting them after they are paid at the branch. I am tired of losing my home and not being able to get another home because of Wells Fargo 's shady operations. You can call my husband to talk about this because I am too angry to speak to anybody, especially to Wells Fargo because the people that call you are rude and heartless and do nothing to help someone even when they call them. I can attest to everything that my husband has stated in this letter and I am writing this to make sure that you INVESTIGATE and see for yourself that Wells Fargo has done everything to mess people out of their homes and then blame them for not doing their part to stay in the home, when we did everything and more. I am so disgusted with Wells Fargo and I want something to be done because of all this time that we have been trying to get a place of our own and we ca n't because Wells Fargo destroyed my credit by not accepting my payments and sending them back to me so that they were late. I want you and them to talk to my husband because he is the only XXXX of us that will be able to talk to them with anything other than irritation. Please e-mail me at the address provided and I will have my husband to contact whomever he needs to talk to.

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 01-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage we currently have with Ocwen is horrible. We have been making regular payments on time for the last 4 years and the loan amount is the SAME! How can that be? Every time I call them I get transferred several times and when I finally get to someone they state they have no record of the loan. So, where is my money going? And if there is no record of the loan ... then who am I paying? And are the embezzling the money? I have had mortgages before and the amount I owe tends to go down at some point. This is horrible and I ca n't seem to find anyone willing to help! Can you?

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO.XXXX XXXX XX/XX/XXXX XX/XX/XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX Re : Unauthorized Inquiry ( s ) Dear Sir/Madam : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the following hard inquiries : I have a fraud alert on my account and didnt authorize these. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ). 
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " not later than 5 business days after the completion of the re-investigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Settlement process and costs

Complaint: XXXX/XXXX/XXXX Complaint Sent to the Consumer Financial Protection Bureau I am complaining about apending illegal eviction. 
My son has a valid, notarized lease on my mother 's house, executed on XXXX XXXX, XXXX. On XXXX XXXX, the house was foreclosed on, but my son continued to live there and pay rent. He has been paying on that lease in exchange for his right to live in the house. My mother has moved out of the house because she had sustained several XXXX and was unable to take care of herself. She is using the money to supplement her social security income to pay for her care in a local XXXX home. 
On XXXX XXXX, XXXX, we received a Notice of Eviction. They sent a form for a renter to fill out describing the details of the rental arrangement, entitled, " Change in Occupant Questionnaire ''. My son sent the form back, along with the lease. The document was sent certified mail to the law firm as well as to the holder of the mortgage, XXXX XXXX. Also sent were payment receipts, initialed by my mother. We know they received it, because they signed for the certification. This indicates that Nationstar and law firm were aware of the lease, and that they were aware of Maryland state law. 
On XXXX XXXX, my son received a sheriff 's notice ordering him to vacate the the premises and a writ of repossession. AT NO POINT HAS MY SON BEEN CONTACTED ABOUT THE VALIDITY OF THE LEASE. 

REMEDY : we want the loan servicer and the law firm to honor the lease and rescind the sheriff 's order before XXXX XXXX, XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Credit card) with Whipple Law, P.A. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a letter from Whipple Law, P.A. ( the " Law Firm '' ) regarding collection of my credit card account with XXXX XXXX XXXX in XX/XX/XXXX. On XXXX XXXX, I contacted the Law Firm regarding payment options of the debt. I spoke with XXXX XXXX who provided little to no information on the debt collection process and reporting my updated status with the credit bureaus. After making several calls to XXXX XXXX XXXX and the credit bureaus I received the information I needed to move forward. XXXX only demanded my payment. In an attempt to improve my credit worthiness, I paid the Law Firm in full the amount owed on XXXX XXXX, XXXX. I have demanded a letter stating my account was paid in full three times. Each time XXXX promised to send the letter. Upon further reading of XXXX 's email I see he is a Paralegal. His email signature states the following : XXXX XXXX Para-Legal Debt Collector Whipple Law, P.A. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Fax : XXXX XXXXXXXXXXXX As of XXXX XXXX, XXXX, I still have not received my letter verifying I paid the amount in full. AS a result, I can not update my credit report. The time to receive the letter is unreasonable and unprofessional. 

Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I disputed account number XXXX with all three bureaus in XX/XX/XXXX. In XX/XX/XXXX the item in question was removed for each of my credit reports from all three bureaus. As of XX/XX/XXXX when I last pulled my reports for all three bureaus, it shows that this item was reinserted onto all three reports. As of today, well past the five days in which I noticed the item added back to my report, I have not received notice of reinsertion from any of the three bureaus.

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 11-10-2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: Hi, This is regarding the XXXX XXXX wheel warranty. While financing my vehicle ( XXXX-2017 ), it was asked me to take extended warranty, Tire and wheel warranty and XXXX XXXX wheel warranty. Having no choice I agreed. After few months I requested to cancel my all warranties. After long follow up, the XXXX XXXX XXXX XXXX was able to cancel Extended warranty and tire and wheel warranty but not the XXXX XXXX Wheel warranty. I have been constantly following up with XXXX XXXX XXXX finance team. Even they are not able to produce any signed document in this regard and first they asked me to check with XXXX wheel directly. I called them and they denied that they do have any copy with my sign. At end the dealership agreed and confirmed that they got confirmation from XXXX company that my warranty has been cancelled and amount will be deposited in my loan account. After 2 and half months the amount is still not credited. I have following concerns ( 1 ) I think  XXXX XXXX XXXX charged me extra without getting my signature on agreement and thats why no one has a copy of agreement of XXXX XXXX wheel warranty ( Including me ) ( 2 ) I think because of some financial glich the dealership is not able to tell me the truth and delaying the credit in my account

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (KY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I scheduled a credit card payment through Bill Pay for the day it becomes due ( the day after the billing cycle ends ). The payment was applied to main balance without being applied towards the amount due. This is after Chase Credit Services allowed a Bill Request taking me over my credit limit even though my JPMorgan Chase accounts have been locked for more than 10 years against overdraft and over limit usage at my to resolve another problem at that time. 

Since, I have receive conflicting requests of the amount due where my account statement online has one amount and the robocall collectors state a much higher amount ( over {$100.00} difference ). I do have recordings of the robocalls and screenshots of my online statement. The robocalls have been 5 times per day whether answered or not in harassment which have also disturbed my necessary rest required for health reasons. 

I do have a letter from Chase Executive Services stating a bill can not be paid on the day it comes due and the bill must stand for 24 hours first. 

As a note in another issue, JPMorgan Chase has been making fraudulent accusations and committing defamation of character through credit reporting. I NEVER take direct action to take my credit card above its limit though I may come with {$1.00} of my limit at times. Any request to go over my limit is absolutely denied due to previous agreement. Yet when Chase Credit Services applies their bill, it takes my card over the limit ( acceptable and understood ) but Chase Credit Services report to the credit monitoring companies this is my action rather than their billing action. 

I have also directly requested the name of the legal responsible party for both JPMorgan Chase and Chase Credit Services to be named in lawsuit and, while he information has been repeatedly promised, it has not been forthcoming in the time they promise in order to delay the filing of legal complaint. 

Chase has also now created a situation where a bill paid directly through Chase on the actual due date is now applied a day or days later if weekend where they charge a late fee even though the bill was paid directly through the bank account to the card on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I reached out to Capital One Auto Finance in XXXX to see if they would be willing to make a goodwill adjustment to my account and forgive late status from the prior year. The request was denied and they have reported to credit reporting agencies that I have filed a direct dispute with them. I sent a followup letter to Capital One that I was not disputing the accuracy of the late payments but rather requesting forgiveness for the late payments due to my circumstances. Again I received notification that my account was being disputed. I checked my credit report and it sates that the account is being disputed. 

Since they have done so, they accept the obligation to treat it as they have interpreted it ... .. as a dispute. This triggers their obligation to conclude a reasonable investigation within 30 days, and send me a formal notice of results of that investigation within 5 business days after conclusion of the 30-day investigation period. 

I believe this is a violation of the direct dispute process under FCRA 623 ( a ) ( 8 ). 

Capital One can not consider and report it as a direct dispute and then ignore their obligation to treat it as such. 

My request was not frivolous or irrelevant. I was in the process of home buying when I submitted my request. Having a disputed account made the mortgage lender I was working with concerned. I reached out to Capital One a second time to clarify the request and have the " dispute '' removed and Capital One ignored my request. This caused me to lose my lender and now I have to start all over.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Medical debt) with COLLECTRON, INC. (GA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Today, Tuesday, XX/XX/XXXX, I received a call at work from Collectron a company in XXXX, GA attempting to collect a debt from a company that I had not heard of ( XXXX XXXX  ). I asked if it was a doctor 's office and which Doctor it was for. They were not able to tell me. I also asked that they not call my work number and asked to have a detailed bill sent to my current address. I was told that they were not able to send anything until I made a payment. After I refused to do so I was transferred to the caller 's " Boss '' at which time I was screamed at and told I could " do this in one of two ways '' split the payment or pay it all at once over the phone. He did not identify himself when I asked for his name. I told him that I was not able to speak t him in detail at work while he continued to scream into the phone. I hung the phone up on the caller.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I was applying for a credit card thru XXXX XXXX XXXX and i did get the c.c .However the agent asked if i was paying a mortgage & i said yes for 10 years. the agent said i may want to contact my mortgage co. because they have not reported it to the credit bureaus! I called numerous times and each time Nationstar employees gave me another dept. to call. The last call was supposely their bankruptcy dept., phone # XXXX XXXX XXXX. I spoke with XXXX and she was confused because they were a law firm that did do some work for Nationstar but was NOT their bankruptcy dept.! She did say that they have had similar calls from other people thinking that they were Nationstar Bankruptcy Dept.! 
I just want my payments to be reported to the credit bureaus but can not contact anyone to even report this to!!!! I am very aggravated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Accurate Background (AL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I was a victim of Identity Theft in   XXXX  . The address and phone number listed below is not nor has ever been my address  XXXX   XXXX   XXXX   XXXX ,  XXXX , Alabama  XXXX   XXXX . This address is referenced on the report from  XXXX . Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I just want to send this to make sure I get my facts right and make sure there is a record of this information for further use. If I am correct, Equifax claimed that they finished an investigation, and I assume Equifax contacted XXXX XXXX XXXX to get this information, and claimed a negative item was mine. I had been in contact with XXXX XXXX XXXX who told me that a name I am unfamiliar with was also on this account as well as someone who used my wife 's name but was unaware we were married so opened the account using her maiden name. My wife had an account with XXXX XXXX XXXX at this time and that XXXX used her married name so I know XXXX XXXX XXXX had this information. When I request the proof Equifax claimed to have as I assume Equifax would require proof if they declared an item mine, they are doing another investigation. Does no one oversee credit bureaus? Does the CFPB ever take any action against these people like they claim too? I am going to contact the office that handles complaints against the CFPB because this is rediculus that I have written so many complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (NJ).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I formally dispute the validity of this debt. Please provide me with the following documentation that supports why you believe this debt belongs to me, and why you believe I owe this amount. 
invoices from XXXX to my address mentioned above. 
Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Too whom this my concern : Hello my name is XXXX XXXX, I received a reliacard from US Bank and I made a purchase on the card for XXXX XX/XX/XXXX and return the purchase on XX/XX/XXXX. I few day past I notice that credit has not return the card, so I call open a dispute. When the rep went over the disputed details I was told that I will received a provisionally credit with 10 days. So today XX/XX/XXXX we are on the 11th day and no credit has been given so when I call today I spoke with XXXX, she explains to me that I would not be getting a credit and I explain to her that I reviewed the term of condition states that within 10 business day the credit will be issues, XXXX stated that we dont have to follow the terms of the card, which I thought was odd. But here are copies of the term of the card, copy of the receipt and detail display the store. Thanks 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 monetary relief
Consumer complaint received 07/20/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Due to a XXXX ( " XXXX '' ) in XXXX XXXX applied to have my Student Loan quashed, as I was unable to be fully employed and was on several medications. I was also granted a " XXXX '' registration decal. I notified Nelnet I was diagnosed with XXXX, and a high susceptibility to Stressors ; and a XXXX XXXX. As a result, Nelnet , Inc. " discharged '' my loan, in full. Months later, I began getting almost daily notices fron Nelnet, all unsigned, saying, I was put on stanby status with the loan, and some letters saying it was already re-instated? Some letters said my loan was put on a standby monitoring period, depending on me signing new paperwork, and if I did n't comply, the loan could be re-enacted. I have n't, nor do I plan on signing any " new '' documents which I feel will be used against me to re-enact the discharged loan. When I asked Nelnet for proof in writing on where they were getting their new procedures from, they ignored me. Whenever I requested a " point-of-contact, '' I wasalso, outright ignored.

Company response to consumer: Closed with explanation