milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: In early XXXX of last year ( 2016 ) I began a home refinancing process with my local Chase Bank. At the outset of the process I was given a document to choose how I wished the monies in my impound account to be dispersed at the finalizing of the loan. The choices were to either use the funds in the paying off of the old loan or to have the funds reimbursed back to me in a check. I chose to have the funds returned to me. ( That document is attached in the number of documents I attached at the end of this process. ) At the signing of the loan documents on XXXX XXXX, 2016, I was shown that the balance of the mortgage loan at Chase was XXXX, XXXX. XXXX. Upon a call to Chase Customer Service Department, in late XXXX 2016, to inquire about the release of the those funds in the impound account, I was informed that those funds had been applied to the pay off of the loan Chase was giving me. I had no knowledge of the vast discrepancy in the payoff amount and was laboring under the apparent delusion that the funds in the impound account belonged to me solely and could not be used for anything except the paying of my property taxes and home insurance. I am XXXX XXXX XXXX and I believe I was taken advantage of. Chase did not fully disclose what was happening and I was left in the dark and am now out of the {$4000.00}, + dollars I believed were mind to do with as I please at the end of the refinancing process. Another thing, I was encouraged to fold the amount of my property taxes, due XXXX XXXX, 2016 ( {$3000.00} ) into the load so that closing could be expedited and was assured that I would recoup those funds in the refund of my impound account, an assurance given by the lender handling my loan and the person conducting the final signing, a representative of XXXX XXXX XXXX of California. In a document date XXXX XXXX, 2016, I discovered how the funds were applied to the loan. I remain disheartened and disappointed and angry that I was taken advantage of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Sold our Mortgage to XXXX when we were in default, Wells fargo never gave us a servicing transfer notice, we found out that our mortgage was sold when we began receiving letter from lawyer telling us our home was up for foreclosure, well fargo never tried to help us save our home, when we called wells fargo they said that we need to contact XXXX they no longer have our loan. this have been a five year process, where we have been trying modifications through lawyer, stopping sheriff sales, and they never event tolds us we can file bankruptcy or anything, not we received a writ of possession for our home from XXXX XXXX XXXX XXXX XXXX, but they are not the note holder no longer, XXXX XXXX XXXX Sold our home back to Wells Fargo XXXX/XXXX/2012, and I do n't know how when we had the sheriff sale postponed, I believe that my husband was under a predatory loan, he was only making XXXX, I talked to someone from Wells Fargo recently and they said our loan is in active foreclosure, but they are the XXXX, how can XXXX XXXX XXXX be requesting a writ of possession? and they are not the note holder, unbelievable, they did not give us a chance the mortgage company is not out here to help us Wells Fargo or XXXX XXXX XXXX, our mortgage have been shifted around, for profit on both sides, I have just been butting money out for nothing to lawyers trying to save the home and the lawyers already new we had no changce, I would of filed bankruptcy a long time ago before we got to the point of losing our home ... .we need help and answers, as of now we are still in the house, but do n't know how long we got can someone help us ... XXXX XXXX was a servicer of Wells Fargo , but they do not have the note to the home, how can they get a writ of possession? when they sold the house back to Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX, XXXX and XXXX XXXX, XXXX I 'm requesting a reinvestigation of a dispute related to my credit. Unfortunately this dispute was not resolved as provided by law. Only was removed the account XXXX # XXXX****based on the XXXX and the Consumer Financial Protection Bureau ( CFPB ) settlement announced at XXXX, XXXX to resolve allegations that XXXX XXXX XXXX Bank XXXX known since XXXX XXXX, as XXXX Bank XXXX Other account with the same condition of the removed account, XXXX XXXX # XXXX, was not removed. I am also requesting that the information be updated immediately because is not done despite my multiple re investigation requests. This irresponsibility on part of the Equifax caused me several emotional, economic and job problems despite having few rights under the Fair Credit Reporting Act. As you requested, I, m enclosed additional relevant information that support this dispute.The XXXX and the Consumer Financial Protection Bureau ( CFPB ) announced at XXXX, XXXX a settlement to resolve allegations that XXXX XXXX XXXX Bank, known since XXXX XXXX, as XXXX Bank, engaged in a nationwide pattern or practice of discrimination by excluding XXXX borrowers from XXXX of its credit card debt-repayment programs. The settlement resolves claims by the department and the CFPB that XXXX XXXX violated the Equal Credit Opportunity Act ( ECOA ) by excluding borrowers who indicated that they preferred communications to be in XXXX or had a mailing address in XXXX XXXX from XXXX credit card debt-repayment programs. The agreement is a joint fair lending enforcement action by the department and the CFPB and is the federal government 's largest credit card discrimination settlement in history. Federal and State laws require that credit reports must be 100 % accurate, complete, and verifiable. I am concerned that you included the information below in my credit file in failing to maintain reasonable procedures to ensure accuracy in your credit reporting. As you can observe, the information was not properly investigated when I disputed those account in various occasions. Is your responsibility investigate and update the information as I 'm requested in the several disputed that I submitted to your credit agency. 

Another situation with those accounts is that the information reported by XXXX is completely inaccurate, and is a very serious error in reporting. As you can see, the provided information is incomplete or is incorrect. Is contradicts information in several areas of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: Around the end of XX/XX/XXXX, I was checking my credit report on XXXX XXXX and it stated that my chances of getting a XXXX XXXX Credit Card was fair. I went to XXXX XXXX website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX I received a confirmation email that my new XXXX XXXX Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with XXXX XXXX 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. XXXX XXXX should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Reached out to dispute information on my credit report that was entirely incorrect and hurtful to my score. Company informed me that they reviewed the dispute, but the information is still present on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: Trans Union and XXXX XXXX XXXX failed to validate debt, because Under the laws of the CFPB and KY UCC 9.506 and state RISA and MVISA, I have contacted XXXX XXXX XXXXXXXX myself and have been unable to get them to validate the above referenced debt along with a copy of the required notices by the KY UCC 9.506. 
I have requested information on how the debt was verified by Trans Union along with the supporting documentation that they have I have enclose copies of my requests to Trans Union and XXXX that was sent XXXX XXXX, 2017, asking them to validate my debt, along with proper notices required by KY UCC 9.506. I have also included copy of the original tracking receipt and confirmation of delivery. I was given no response by XXXX to validate the debt or Trans Union

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 03/24/2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX XXXX from Natural Credit Adjusters is contacting an employer indicating he has information on a loan application I submitted. I contacted him at the number provided and he proceeded to inform me it was in fact a debt call. When I advised I was unaware of the debt and requested he submit to me the documents referred to in writing, he started yelling at me that I knew I owed the debt. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Verizon wireless pulled my credit without my authorization and equifax is not willing to remove the unauthorized inquiry, XXXX wo n't remove it either. I stopped at the verizon store on XXXX just to check their phones selection and what plans they offer and never authorized them to pull my credit. 
verizon Application # XXXXEquifax dispute # XXXXI want XXXX and equifax to remove the unauthorized inquiry to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (FL).
Issue: Trouble during payment process

Complaint: I am a victim of Hurricane XXXX. Thankfully I do have flood insurance. That is nor my gripe. I received a check from the insurance company, but I can not deposit it into my account. They ( CitiMortgage ) wants me to sign it over to them, they will put it in a secure escrow account ( I will not get interest ). Along with the check they want an itemized list from the insurance company as well as an estimate from my contractor. 
Then and only then they will send me a portion to use as a down payment to the contractor. They will issue another check when work has been completed. Home needs to pass an inspection. Then they will issue a check for the remainder of the money. 
I have never been late on a mortgage payment. I have my taxes and insurance rolled into my mortgage ( mistake on my behave ) lesson learnt. How can they dictate to me how to spend these monies? I live in my house, I want to fix it and pay my bills myself. 
This is wrong. I am an adult, employed full time and have a terrific credit score.  They are making me feel inferior.

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 08/20/2015 about Debt collection (Credit card) with Client Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I recently, XX/XX/XXXX, had XXXX and was out of work for XXXX months. I could not drive nor do anything that may aggravate my XXXX while it heeled. This is why I fell behind in my finances. However, once I went back to work, my wife and I sought some help from a financial planner. She was able to get us into a situation where we were able to put food on the table and not worry about our finances. That is until the phone calls started from the credit agencies that we could not budget into the finances. We constantly kept asking the financial planner about paying others but she stayed the course and so far we have been able to pay off XXXX credit cards. We are by no means trying to get out of paying our debt. We just have to take small steps to get it all taken care of. 
On XX/XX/XXXX, I received a call at work from XXXX with XXXX XXXX. She is attempting to collect a debt for XXXX. I explained to her that I would have to discuss certain payments and see how we can pay this off. She came back and said normally they expect the full amount but in my case they XXXX make an exception and want XXXX % up front and we can work on the rest. I then had to mention that if I could n't pay the minimum due, how do you expect me to pay XXXX %? She has since contacted my home phone XXXX times to get a response from my discussion with my wife. This is considered harassment in my opinion. However, when you talk to XXXX she will phrase sentences in a way that makes you tell her when a good time to call is and that she was just doing as you instructed. I understand they are collecting a debt and that a lot of people have XXXX excuses. I guess I just blend in with the rest. But, I had worked my XXXX off to get a credit score above XXXX and in XXXX months watch it dwindle to XXXX. Not happy about it but I can probably bounce back as long as I do not get harassed about it. It is embarrassing enough to deal with the problem at hand. I do not need someone to rub it in.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I 've asked for student loan forbearance to help with my current financial situation. I was denied numerous times. I was given no choice but to pay them.

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 Medical Data Systems, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have submitted 4 disputes trying to get information from Medical Data Systems off the credit report. I have most recently ( XX/XX/XXXX ) provided a letter from the company. This has NOT been removed. Each company has been pointing to the other company as for who is responsible for this not being removed. I have spoken with managers including XXXX with XXXX and XXXX from Medical Data Systems. XXXX stated they ( MDS ) need to electronically delete the information from their side and MDS stated they have requested a manual deletion sinceXX/XX/XXXX and have no control over if XXXX  actually deletes it or what timeline they move. Even after submitting the letter XXXX from XXXX stated that the letter meant nothing if MDS did n't accept the letter as proof and voluntarily delete it. I believe MDS has done what they can do because its been deleted from my XXXX report and XXXX is the only one not deleted. However even after submitting a letter from MDS to MDS attached to the dispute onXX/XX/XXXX it was NOT updated. As of XX/XX/XXXX it is still reflecting that the account is paid with a {$0.00} balance. I have a mortgage loan hanging in the balance and neither company seems to care that time is of the essence.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have tried many times to get assistance or have some of my debt forgiven as I have had financial hardship. At one point they told me I qualified but it only changed my payment by {$0.00}. Yes XXXX cent! With that I have had to defer my loans for years causing the interest to now almost double what I owe. How is one supposed to get the balance ( loan ) paid down when you ca n't even afford the " payment arrangements '' they qualify you for?

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This Reporting of said account is not Authorized or Valid and is in Violation of FDCPA and FCRA Laws and are.

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 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Convergys (NC).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: The report lists Convergys as my current employer but I currently work for XXXX and a clinical research company name XXXX. Please update the information on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Payday loan, title loan, or personal loan (Payday loan) with RFNA, LP (SC).
Issue: Received a loan you didn't apply for

Complaint: I received a check/loan in XXXX. I deposited the check. When the first payment was due I was called and I told them I would make the payment my next pay date. That was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with them and said I would make the payment over the phone. I was told that I could possibly " get more money '' with an application for a new loan. I told the lady twice I would make the current payment so as not to get behind. She again encouraged me to " see if I qualify for more money. '' She started the application and told me that since my credit was frozen I would need to unfreeze this then she could continue the application. I had my credit unfrozen with XXXX  the same week. I spoke with her again XXXX/XXXX/XXXX and she said they do not use XXXX and I would need to unfreeze my credit with XXXX & XXXX. I again offered to make the payment so that I would not become delinquent. She said " just see what you can do. Maybe we can get you some more money. '' I have tried to unfreeze my credit with the two other agencies unsuccessfully and have had a hard time getting in touch with the agencies due to the XXXX breach creating long hold times, and have been disconnected while waiting. I even spoke with XXXX but due to the operators thick accent I could not understand the questions he asked and I was unsuccessful. Today I again tried to get in touch with XXXX and was told after waiting 1.5 hours that I had the wrong department and was given another number. I work and take care of my XXXX XXXX XXXX XXXX so I could not stay on hold for several hours. This evening I received a message stating that " the application could not longer be active '' and that she needed to hear from me by XXXX XXXX or " things will get serious. '' I called and left a message to remind her that I have tried multiple times to make the payment and I asked to please let me know what she means by " things will get serious ''.

Company response to consumer: Closed with explanation