milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have a mortgage with Suntrust and owe more than the the property is worth. We attempted to sell the property for the amount owed on it, but after many months of being listed with a realtor, we could not find a buyer. So we began the short-sale process XX/XX/XXXX and found a buyer ( XX/XX/XXXX ). Suntrust delayed the process so long that we lost the buyer ( it was a XXXX exchange and there was a deadline by which the sale had to close XXXX. We have found other buyers since then XXXX all below what we owe but at fair market value ). Suntrust has not allowed any sale to go through. Then we requested a Deed in Lieu XXXX DIL XXXX and after much delay, Suntrust approved this XX/XX/XXXX. We received a notice in XXXX that we needed to have the property empty by XX/XX/XXXX ( we had tenants in the property ). We asked the tenants to leave and it is now XX/XX/XXXX but Suntrust has not finalized the DIL. The property is sitting empty and our debt continues to accrue. We are no longer collecting rent XXXX to help offset our losses and to keep the place occupied ). We are unable to get Suntrust to finalize the process and are looking for a resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, 2017 at XXXX ( CST ) I called XXXX.  I am XXXX and trying to payoff my entire mortgage before the scheduled sale date. My investor was on a 3 way telephone call with myself and lender XXXX. I gave a 3rd party authorization to speak on my behalf due to my XXXX, and we were informed that they would not be allowed to take 3rd party authorization by phone due to Texas State Regulation. We then asked for the State Code that prohibited a 3rd party authorization from speaking with an XXXX representative, withstanding verbal consent from the borrower, and we told that he was not sure of the Code or Texas Regulation. 

We were then informed to go online to request a payoff, and as such I did, and was not able to log onto the website as it showed an error. 

We then spoke with XXXX to get assistance and we were informed that they could not assist us, and that a payoff would be forthcoming in a few days. 

Bottom line : We are ready to pay and XXXX is preventing that from happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Today, XXXX XXXX 2016, I was alerted via my XXXX credit monitoring service that a collection has been placed on my credit file from this company representing their original client of XXXX XXXX XXXX XXXX. First and foremost, I have been a victim of identity theft and have been dealing with this for quite some time now. I have had all XXXX reporting agencies ; XXXX, XXXX and XXXX place security freezes and fraud alerts on my files accordingly since early this year. 

Apparently, my social security number has been breached and utilized for fraudulent transactions this being on of them. Here is the following information showing on my credit file as of today : DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Original creditor : XXXX XXXX XXXX XXXX Acct : XXXX Amount : {$6500.00} According to my credit file ( s ), the information does not match mine with the exception of my social security number. It is currently reporting under a different name and address. Also, I have never been a client of XXXX XXXX XXXX XXXX and have been a XXXX XXXX customer for over 10+ years. 

While this has not yet reported on either XXXX and XXXX, I do want to jump on this immediately since this account is not mine and is simply FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has called my employer several times and each time has been given reason to know that my employer does not permit it. They continue to call with various numbers and refuse to state why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Harassing me at work, calling and harassing fellow coworkers, will not answer any questions with any form of pertinent information. Would not tell me what the company was other than a name.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Loan paid off through auction but total loan amount is still reporting negatively which has prevented me in getting a new car loan? 

This is what its currently reporting but the entire loan has been paid off? 

You've paid off 26 % of the original amount. 
Balance {$20000.00} Highest Balance {$27000.00} Monthly payment {$670.00} Opened XX/XX/XXXX ( 4 yrs, 6 mos ) Term 74 months Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Automobile Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times 30/60/90 days late XX/XX/XXXX Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Account opening, closing, or management

Complaint: After I was terminated by my former employer. The moment my credit card/mortgage with Navy Federal Credit Union fell behind, they completely locked out my online access/phone access to all my accounts. I never received, or was able to access ANY statements for any account. I was enrolled in multiple automatic debits, and paperless statements from my account to numerous other payees. With no access I was unable to find out all the automatic debits to be paid by any account. This caused several automatic debit to bounce and overdraft fees added. This went on for several months, never once did I receive a statement, regardless of how many phone calls I made. I was more focusing on the fact my only source of income was my XXXX, which they decided to use any way they wanted without any regard for the law. The only time I was able to get a statement of my accounts and effectively shut off all the automatic debits. I had to drive over XXXX miles XXXX way, to the nearest branch in XXXX, TX. When I confronted the branch manager about the money they took illegally, she simply stated " I will see that letter, when I see it. '' That is another issue that I will be dealing with. I HAVE NOTICED THEY HAVE CHANGED THEIR ONLINE ACCESS POLICY. You still have access to statements even if you are behind on payments. XXXX more thing, every time I called to request a statement during that time period, the phone call went directly to the collections department who stated they were unable to request a statement for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Other mortgage) with Comerica (FL).
Issue: Settlement process and costs

Complaint: My original mortgage was taken out in XX/XX/XXXX, and my former financial advisor " XXXX XXXX XXXX '' refinanced it XX/XX/XXXX in his home town of XXXX & proceeded to do XXXX refinance ) my mortgage 6-7 more times by using the " MERS '' system & " HECM '' I have been a resident XXXX since XX/XX/XXXX.He took my condo out of homestead status & lited it as an investment loan/property by forging my name

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On my letter to this credit bureau, I requested an investigation on several accounts I found on my credit report. I appreciate this bureaus effort to satisfy my dispute but there is still an account that remained incorrectly, inaccurately and incompletely reported. XXXX  Ref : XXXX has not been updated in years. Last that it was updated was 2013. I 've already paid off this account last year and it was never updated. The payment history is incomplete. They are not showing that the item was disputed. The account opened date is inaccurate and not the same with the other bureaus. They do not show till when this account will be reporting. These are completely violating the law.

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 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: There are several inquires that have hot my credit file which I did not authorized nor apply for credit Chase CC inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have a Chase credit card but did not apply for an additional account. Please look into this matter ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This complaint is an update with more documents to show the issues with XXXX Credit Reporting. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XX/XX/XXXX/XX/XX/XXXX not XX/XX/XXXX. 

The 3 Navient accounts listed as joint holder should be listed as charge off XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Nationwide Recovery Systems, Ltd (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX XXXX, I started receiving calls from a guy that claims his name is XXXX XXXX and is calling from a collection agency named Nationwide Recovery Systems. He claims that I owe {$44.00} to a company name XXXX Limited, but he has no further information about location or phone number for his client.The product is a supplement called XXXX XXXX and its regular price is {$130.00} He offered to settle for {$25.00} which I denied. I told him to stop calling, I never order that product and I was not going to pay anything. 
they called me several times, they claim the debt is for a trail sample ordered on XXXX XXXX, XXXX The guy had a strong accent either XXXX XXXX ( XXXX, XXXX or even XXXX XXXX, but I ca n't say for sure where from ), I did tell him that his accent did not much his name, but I could be wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Unsolicited issuance of credit card

Complaint: This is concering JCPenney of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX XXXX representative asked me if I would like a rewards card for some instant discount. At no point in time did she ever mention or say that this was n't a simple points card but actually a credit card. There was no agreement or paper I was asked to read and agree to. It was only later when I got an alert from a identify fraud monitoring service that I realized what had happened. This has resulted in an unnecessary hard pull of my credit history and was tantamount to fraud. I had absolutely no idea that I was being signed up for a credit card at any point throughout the entire process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Trying to get mortgage assistance. I have a XXXX and XXXX degree and a XXXX XXXX XXXX. I spent 12 years in XXXX and consider myself an expert. I can not imagine a person without my background working with these people. I am doing this for the greater good. For example, they asked for a Profit and Loss statement because I am self-employed. I prepared it and sent it. I called to follow up and they asked me why my Profit and Loss statement was negative. I said it was negative because it was a loss. They asked why I sent it in then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other transaction issues

Complaint: A friend made a deposit to my Bank of America account through his XXXX bank mobile app for the amount of XXXX dollars on XXXX XXXX. The money was supposed to be on my account in less than 6 business days. We contacted both banks and they could not track the money because it already had left their system. After a week of phone calls we both went to XXXX bank and Bank of America to speak to the managers. The Branch manager at XXXX said the money had already left their system and that his " theory '' is that Bank of America accidentally put the money on a different account. The relationships manager at Bank of America said that the money never reach my account and they can not track it. I got a confirmation message on the day the transfer was made to me and my friend got a confirmation email as well. We emailed XXXX managers saying that if the money did not appear on either of our accounts by XXXX XXXX, 2016, we were going to file a complaint but neither of the managers reply or try to contact us to solve the problem. We then call the managers at XXXX banks and they basically said that they do n't know where the money is and they do n't think is their responsibility to solve the problem and pay my account or refund my friend 's account.

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 03/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This dispute is being written in response to in-accurate crediting reporting on behalf of XXXX, Account XXXX I have been trying in vain to get this company to confirm that this is indeed a valid debt by way of sending me documentation indicating paper work I signed agreeing to open this account, statements and any other documents verifying the validity of this account. I have reached out to this company by letter, phone calls and fax continually over the course of the last year. When disputing the information through " XXXX '' " XXXX '' and " Transunion '' XXXX Is indicating that the reporting is accurate however please note the credit report I have attached which states otherwise. " XXXX '' is indicating this is a closed account however " Transunion '' and " XXXX '' are indicating the account is a charge off which is affecting my credit rating. I would like Transunion to change the reporting status of the account from " charge off '' to a " closed '' status which a representative from XXXX indicated would be done during a phone call on XXXX/XXXX/2015.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 Requested from the credit bureau equifax on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file # XXXX and Acct # XXXX. 

The first time i contacted them was on XX/XX/XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute.

I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In  Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was updated and still remains on my report without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank  of America ( BoA ) purchased my mortgage seven years a go and has paid my home owners insurance from escrow every year until   XXXX   when they failed to make the payment. The insurance lapsed for non payment. BoA did NOT notify us of this. We had a pipe break after the lapse and when we contacted the insurance company they informed me policy had lapsed for non payment by BoA. I contacted BoA and they acknowledged receiving the declaration from insurance company but could not explain why they did not pay. BoA began changing their story but continued to provide no solution. BoA promises return calls but never has called me. They have done nothing to help with the damage. I call, they tell me to try and get my insurance company to pay. I have wet, sagging drywall, wet carpet and mold that is increasing every day. No response from BoA. This is a crime. Negligence in servicing my loan. Inhumane treatment.

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