milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2017 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CO).
Issue: Struggling to pay mortgage

Complaint: My mother who was a US Veteran XXXX in XX/XX/XXXX at the VA hospital. Prior to her XXXX  she was adamant that she had drafted a will and the property was being left to my XXXX brother and myself. Unfortunately, we could not locate the document after she XXXX and was required to go through the probate process. Also of note was the fact that my mother said that she had life insurance to cover XXXX and XXXX expenses but the monthly payments were switched from autopay at some point during her last year of life and the policy lapsed 12 days before she XXXX. Essentially all the expenses for her XXXX and the mortgage payment fell to me. I used every dollar of credit I could to make sure she was able to have a dignified XXXX service. I quickly started drowning in debt and became 90+ days behind on all my creditors and eventually have had multiple creditors close my accounts since the XXXX. Because of this extremely dire financial situation my goal was to sell the property as soon as possible and make all creditors whole again. The problem is that I could not afford a lawyer to help with the probate process so I could not legally speak on her behalf to the bank and/or sell the house without being designated as the executor of estate. My hands had been completely tied until late XXXX of this year when we were cleaning the property and actually found her will. After finding the will, I was able to get the state to designate me executor of estate ( XX/XX/XXXX ). I knew there was a sale date on the property set for XX/XX/XXXX so I immediately signed a contract with an investor to purchase the property, as-is and pay the mortgage off. The investor agreed to a specific amount and a week later came back and offered {$25000.00} less than the agreed terms so I declined and searched for a new investor to purchase the property. I then signed a second contract with another investor and they came back a few days later and wanted to give us an amount that was {$17000.00} less than what we agreed. As the executor of estate my responsibility is to ensure all financial obligations my mother had at the time of her XXXX are reconciled. I want nothing more than to pay off the mortgage and also get myself back out of debt as well through the sell of the property. I am requesting more time to get a realtor and put the house on the market. If the bank can put a hold on the upcoming foreclosure sale so I have time to market the property properly then I know we can come to an amiable solution for everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: My husband and I have tried multiple times to put in disputes with Experian for the mortgage information from XXXX, XXXX.. The latest was XX/XX/XXXX for myself and XX/XX/XXXX for my husband. We previously filed complaints through CFPB last year to fix the reporting on our other credit reports and they responded that they would. Nothing for Experian has changed. I filed a previous dispute of this information with Experian in XX/XX/XXXX after I realized that the information still had not been updated after the 45 days from the letter we received from XXXX, XXXX XXXX, XXXX incorrectly reported that we were late on our mortgage XX/XX/XXXX, XX/XX/XXXX, XXXX 2016 and that it was closed in XXXX 2016. We signed over the property in XX/XX/XXXX for a deed-in-lieu of foreclosure and provided that documentation to Experian along with a letter from XXXX, XXXX that they were going to submit the change to the credit bureaus. In this letter it also provided our payment history. According to their own admission XX/XX/XXXX, XX/XX/XXXX and XXXX 2016 should be removed as being late since we no longer were in ownership or attached to the property. I 've been able to fix XXXX and XXXX to a point but Experian does not seem to really review the information we are providing.

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 08-06-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have contacted several companies about unauthorized use of my credit report. I also, contacted Equifax and I was told by the Supervisor that Equifax does not dispute Inquiries and that there is nothing that they can do. All of these inquiries are hard inquiries that will stay on my credit for next two years. Enclosed is a copy of my Equifax entries of inquiries from my credit report with the acronym showing the length of time it will remain on my credit. I am having enough problems as it is trying to get my credit straight. I need help trying to get these inquiries off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (I do not know) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a copy of my credit report this morning and noticed that your AFNI XXXX reporting information about me, which have zero knowledge about. I have received no form of written notice nor have I received any phone calls. The fact I have not received any communication before inserting the alleged " debt '' onto my credit report is a violation of The Fair Debt Collections Practices act FDCPA, which does entitle me to {$1000.00} per violation plus attorney fees. 

Please see attached affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (I do not know) with Convergent Resources, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They keep contacting me over a debt i do not owe quit contacting me or ill sue you!

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 02/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I.C Systems is attempting to collect a debt on an account that I have no knowledge of & that is not mine. I also notice that the balance information for this account keeps fluctuating on my credit 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 09/27/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Closing on a mortgage

Complaint: I have been trying to sell my property however there is a lien on the Property ; the property had been re-financed, paid and transferred to XXXX XXXX XXXX from XXXX XXXX that is now Ocwen mortgage -- I have tried to get a lien release without success

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There are reports over 10 years that have not been deleted as of today. the Credit companies Equifax , XXXX XXXX, XXXX have not replied to my queries.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is denying our application for a loan modification. Their servicer, XXXX XXXX XXXX, has been requiring XXXX forms to be filled out and submitted at least six times in the last two years. Each time, we have been denied a loan modification - despite qualifying for a HAMP modification due to XXXX and loss of income. Wells Fargo is XXXX of the XXXX large financial institutions participating in the HAMP program. We do not understand why they are denying us a loan mod when they have received government monies to do just that - modify loans. Please help us sway Wells Fargo into doing what they have promised. 

Thank you, XXXX and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, I entered a Stipulation Agreement with Bayview, the Trial Plan, as a condition for my Loan Modification. The stipulation required 6 monthly payments from XXXX XXXX to XXXX XXXX. They assigned my account to XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX called me to say that I had missed a payment and he needed copies all my bank statements and returned checks for my payments for XXXX, XXXX and XXXX. I sent the information to him and after reviewing it, he said that maybe it was an error by Bayview but that he will look into it. I asked that he sends me in writing confirmation that the issue was resolved. He never even sent me a letter that I had missed a payment, he only called me to ask for my bank statements. I left 2 voicemails and sent 3 emails to XXXX XXXX in XXXX and XXXX, he did not respond to any of my voice messages or emails. Bayview continued to send me monthly bills, and I continued to make my payments, sending them via certified mail, for XXXX, XXXX and XXXX. At the end of this Trial Plan in XXXX XXXX, I expected to execute the Modification Adjustment Agreement with Bayview. Instead, XXXX XXXX sent me a Trial Plan Default letter on XXXX XXXX, XXXX stating that Bayview will not offer me the modification because I did not make all of the required trial period plan payments. I responded to this letter on XXXX XXXX, XXXX via Certified mail to XXXX XXXX and the Customer Escalation at Bayview. In my response, I again sent copies of all my Trial Period payments, I sent copies of my unreturned emails and let them know that I have not heard from Bayview and have been trying to contact them since XXXX call in XXXX. As of today, XXXX XXXX, XXXX, Bayview has not told me what payment exactly I missed. They have not responded to any of my calls, emails, letters to inquire about this missing payment. XXXX XXXX sent me another letter on XXXX XXXX, XXXX with a RMA ( Request for Mortgage Assistance ) application package, to start the process all over again? XXXX XXXX has not returned any of my calls. I still do not know what payment Bayview is missing. I received a bill for XXXX and sent a payment for XXXX via certified mail to Bayview on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I filed a complaint with you all on santander a month or so ago and they removed from my credit report as a debt relief attached is a copy of the response from then well here it iw months later they have sold my information to another company after agreeing to remove from my credit which they did but they never states they were going to sale my information attached is a letter of that as well

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Bank account or service ((CD) Certificate of deposit) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: My complaint is with Capital One 360 ; they do NOT allow an individual account depositor to add a " Payment on Death '' or Beneficiary to an account. Capital One 360 is an online banking subsidiary of the Capital One Financial Corporation, a financial holding company publicly traded on the XXXX ( XXXX : XXXX ). The web-only bank officially took over ING Direct in 2012 and offers an array of depository banking and lending products, in addition to its brokerage platform. The Capital One 360 branding was first introduced at the XXXX of 2012. I completed the online application form with Capital One 360 and officially opened an account a month ago. I called to add a POD to my account and spoke to XXXX ( XXXX ) ; he told me Capital One 360 does not allow this option but I could change my CD to add a co-owner. Not satisfied with this explanation, I called Capital One 360 two more times and was told the same thing. I was highly upset! I 've never dealt with any bank that did n't allow a POD to be added on my account. One of the customer reps that I spoke with offered an interesting tidbit of information stating when Capital One 360 bought " ING '' online bank in 2012 - it 's been very difficult to integrate the two systems. Really!! Their IT Dept has n't been able to figure out how to add the option for their customers to place a POD or beneficiary on an account! This is outrageous! I 've checked with other online banks ( XXXX, XXXX, XXXX, XXXX ) and they all accept a POD or beneficiary to be added to your account. Had I known this option was n't available with Capital One 360, I would NOT have opened an account with this online bank. They have breached my trust! I 'm asking for your assistance to research this information and to make everyone aware that Capital One 360 online bank does not allow the option to add a POD or beneficiary to an individually owned account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Payday loan () with ACE CASH EXPRESS, INC. (KS).
Issue: Can't contact lender

Complaint: I received a call in XXXX wanting to verify my information for a loan that was attempted or done using my personal information. I said I did not apply for a loan and not to approve it. I filed a report with the local police department, contacted the credit agencies, sent a letter to the company via USPS and then again via XXXX and have not received any response to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IN).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX ( dated XX/XX/XXXX ) I received a letter signed from XXXX ( of Chase bank ) in regards to my in regards to my initial letter disputing the credit inquiries on my XXXX & XXXX reports dated XX/XX/XXXX & XX/XX/XXXX respectively. She mentioned that this was a valid inquiry and stated that it occurred on XX/XX/XXXX. Not only did I not authorize or make any inquiry on XX/XX/XXXX or XX/XX/XXXX, but I did not make any on XX/XX/XXXX as XXXX specified.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have multiple missed student loan payments on my credit report from previous years back that I was not aware of. I never received any information about paying my students loans. The history even shows scattered months on on time payments and then months where the account was past due for 30-90+ days. Im not sure when I started being held accountable for these payments. Once it was brought to my attention for the first time I immediately contacted the company for deferment due to me not being able to afford these payments at the time.

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 06/17/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: trying to obtain credit reports from XXXX and Equifax someone else had to set up a account now I ca n't even dispute on because they state 's I do n't know my grandmother 's name, come on now a few bank are mad and I need them to correct payment histories an balances I have a wrongful foreclosure on my credit report and I can provide supporting document but I need where I guess no one can access accounts online seeing how this is not the XXXX time this has occurred when my email address has n't changed in over 7 years but my grandmother 's name have?? come on now this not fair also that there 's numerous inaccurate information being reported and I 'm just trying to correct it and move on in the financial world but this is holding up the process.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (IL).
Issue: Problems when you are unable to pay

Complaint: We purchased a car from JD Byrider / CNAC XXXX from them. My husband had a major XXXX over 100 miles from home. I stayed in contact with XXXX, our collections account manager, she was aware and we verbally agreed that I would be able to make all past due payments upon return to XXXX. 3 days later, I got a phone call from XXXX XXXX XXXX " XXXX '' XXXX demanding payment that instant or she was issuing the reposseion order for the car. I informed her of my conversation with XXXX, and she told me that it was n't her problem and told me I had until close of day to have payment in their office. She would n't listen to myself nor her employee when she told her the same thing. Finally, they repossessed the car. I never received a notice of intent for the vehicle nor any communication on how to retrieve my belongings, including my drivers license, insurance documents, nothing. I tried calling and it was always " She was n't in '' when they asked my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: an account was fraudulenty p laced on my credit file by transunion. Below is the account information i have requested a proper verification several times from transunion to prove that the account is mine or else they need to delete it frommy cr edit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me.     XXXX   XXXX   - ACCT #  XXXX  DATE OPENED  XXXX / XXXX / 2016  BALANCE {$2200.00}

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 04/16/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed XXXX with Experian that I do no have a balance owed on XXXX XXXX XXXX, acct XXXX .... I submitted documentation to Experian that I have sent certified mail via USPS to address on file with Experian and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked Experian to delete item from my credit report as unverifiable, but Experian has once replied This account is scheduled to continue on record until XX/XX/XXXX. This item was updated from our processing of your dispute in XXXX XXXX. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplies Experian with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account. Experian blatantly ignored my request. I asked that Experian provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores.

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 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In my public records on TransUnion it shows i have a state tax lien from XXXX 2005 that is not paid but just filed i contacted the local courthouse in my county which is XXXX XXXX Indiana at the clerks office and they said it has been paid back in 2005.. But on my report it still says it is just filed and not paid.. they said i could come in and get a copy and give to my credit bureau.. So how do i do this?? Or do you request it from the court house..thank you..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Deposits and withdrawals

Complaint: TCF has been charging overdraft fees to my account to overdraw my balance and then charging fees to me for them bringing my account into a negative balance. I am a government worker that has had credit issues in my past and I have been working to rebuild my credit history. Unfortunately I am not in a position to take my business to another bank. A TCF customer service representative even belitted me buy recommending I obtain a prepaid card because that is all I would qualify for. Customers should not be mocked or ridiculed specifically because we choose to complain about a major banking conglomerate defrauding and basically stealing from consumers. I ask that someone investigate the shady business practices performed by TCF Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief