milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2017 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I was denied Mortgage Loan Modification many times over the past 4.5 years. Every time they gave a different reason. ( They even CLOSED my file on numerous occasions ) citing " NOT RECEIVING THE DOCUMENTS '' ... .so my file did n't even make it to a reviewer.. 
I started sending the documents to a mediator, to their lawyers and also to them directly. ( Since doing this they did not tell me that the documents were not received anymore ). 
In earlier XXXX, they sent me a letter saying that they approve my modification request - the letter was dated XXXX XXXX. 

At approximately XXXX on Thursday XXXX XXXX, I received some documents from the Mortgage lender outlining the terms of the " modification '' ... ..which, if I were to sign, would eventually put me in a worse situation that I am in currently. ( They want me to sign and return the documents by XXXX XXXX ). 
They are trying to put me in a 40 year adjustable/variable rate mortgage which I think is real unfair business practices. 
Please investigate for me and if possible point me to an attorney who may be able to assist me with this .... 
Thank 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 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I sold my house in XX/XX/2015. at that time, I cancelled my XXXX because I did not need it anymore, since I had sold my house. I informed XXXX, and they agree. since then, XXXX has been sending me monthly bills for service I nolonger received. XXXX has sent three different collection agencies to collet a bill which is not legitimate, because I nolonger received their services, they agreed to stop the service, and are still pressuring me, through collecting agencies, to pay a bill for services they no longer provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Credit card) with Firstsource Advantage, LLC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I am & have been paying for XXXX years a monthly amount to this DEBT COLLECTOR XXXX. XXXX the debt collector, FIRST SOURCE XXXXrefuse to stop reporting this debt as un collectable, regardless of my paying for XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RevSolve, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was the result of a Dr. who had performed an XXXX on me by billing the wrong Insurance Company. The service was performed through XXXX XXXX XXXX in XXXX Oregon - Patients check into an ADMIN office who gather all insurance info. This info is then distributed to individuals doctors. Once I was aware of the error ( which I had absolutely no control over ) I gave them the corrected insurance info, my insurance was billed and debt was paid in full. Revsolve Inc refused to remove from my credit report. Administrator for doctor ( who may have been covering her own error ) also refused to help. Bottom line is this bill was properly paid, should have never been a debt collection, debt collector was given all the information proving payment and still refused to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: My husband and I, who were separated at the time, were expecting a XX/XX/XXXX tax refund check of {$XXXX}. My husband received the check in the mail, which was addressed to XXXX XXXX ( myself ) and XXXX XXXX ( husband ) on XX/XX/XXXX, took it to Wells Fargo bank in XXXX, CA, and deposited it into his independent account. Above my husband 's XXXX ethics in this situation, the bank violated national regulations since it deposited the check without my signature. Wells Fargo even violated their own policy that stipulates that XXXX payees be physically present to sign when the check is cashed. The bank 's response was that they were sorry, but they could not stop the check and that I should call the IRS to have the check stopped. I was unable to get through to the IRS to stop the check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX. XXXX XXXX XXXX XXXX  responded by sending me a letter dated XX/XX/XXXX
The question is WHY is XXXX XXXX XXXX XXXX asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX  are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are XXXX, TransUnion, and XXXX accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my TransUnion and XXXX credit reports. XXXX  is not releasing my credit report just yet. But I was able to confirm the accounts are on XXXX just as well.

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 04/14/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company claims to be missing a mortgage payment from XXXX 2015 that was withdrawn from my account {$1500.00} on XXXX XXXX, 2015, I also made a payment of {$3100.00}, on XXXX/XXXX/2015, although I was behind those XXXX payments would have had me caught up on my mortgage. I called to place and investigation and no one ever got to back to me, I have been having problems with this mortgage servicer ever since my mortgage was sold from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: A bank foreclosed my property, which I did n't have any loans with, and they were helped by the Law Offices of XXXX XXXX. I believe the bank was bayview loans, but am not sure because nobody ever told me who was my mortgage company, after XXXX XXXX XXXX did n't finish the short sale I had going on with them, because an issue with the title of the property, something that if XXXX XXXX XXXX could n't do it, how come this bank bayview loans was able to do it? by forging a loan modification that I had with XXXX XXXX XXXX prior to the short sale. 2 years, after the real loan modification was created.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Medical) with Team Recovery Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Team Recovery has a collection on my credit report that is paid off and should be removed. Per debt pay off agreement, Team Recovery did not remove the negative derogatory collection debt info from all XXXX credit reporting agencies after account was settled. I called them many times about them to be fair and remove the collection and they never did. Now, Team Recovery is continuing to report to collection bureau every month as if it is n't paid and is adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XX/XX/XXXX, the borrower filed a paper application for consolidation with enrollment in the income based relief program was filed. In XXXX XXXX, Nelnet who was servicing the consolidation application wrote that a judgment in court prevented consolidation. In XXXX XXXX, the borrower contested the existence of a judgment with the attorney representing the XXXX XXXX. The attorney confirmed there was no judgment and informed Nelnet that there was no judgment. In XXXX of XXXX, the borrower called Nelnet to inform them that there was no judgment. Nelnet acknowledged that it was aware that that there was no judgmetn and said they would move forward with the application immediately. However, when no further information was forthcoming. the borrower called Nelnet XX/XX/XXXX. The borrower was told that Nelnet had failed to take the necessary internal action to move the application forward but that it would do so immediately. After another 6 months of silence, the borrower contacted Nelnet in XXXX XXXX. The borrower was told that Nelnet did not do anything in XX/XX/XXXX or XX/XX/XXXX and that his XXXX XXXX application was now " stale '' and a new application was needed. When the borrower pointed out that the fault was with Nelnet, not the borrower, for the application going stale, Nelnet said that was too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing is committing fraud against me. 
XXXX XXXX Sheriff Case Number : XXXX See evidence attached. 
/// ///

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: i filed a complaint and dispute over 30 days ago, I recvd paper stating my final report after investigation. the same creditor are still on there which some are over 7 years old, and are not mine, I have had id thieft 2 times in the last 10 years. I just want my my credit worthiness back, im XXXX and I need life insurance., my credit report is false my accts are being sold to collection agencies over the last 15 years, and some cases are the same creditor on there twice, but with different amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was showing inaccurate from Carrington Mortgage for almost 2 years from the time it was service transferred to them, They were not recording my payments that were paid on time every month. Now they supposedly have the account updated but I still feel the numbers are inaccurate and they have reported to all XXXX credit bureaus that my payments were missed when actually they were never late at all

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-07-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CT).
Issue: Taking out the loan or lease

Complaint: I leased a vehicle from XXXX XXXX of XXXX, CT in the first week of XXXX 2015. They bought me out of my old lease [ an early termination ] and wrapped that {$1700.00} charge into my financing. As of XX/XX/2015 they literally just sent the check yesterday to Ally Bank. I have made a complaint with the Connecticut Dept.. of Banking because Ally is treating this debt as a total loss & damaging my credit report as a result. Ally sold the car and got alot of money for it and the total bill is less than [ by about {$100.00} ] what XXXX sen to them. This issue exists despite the fact that I sent certified letters to them -- one as early as two weeks ago -- with an email I received from XXXX XXXX that a check had been sent to them. There is a standing derogatory on my credit report now as a result of this situation and I am attempting to confirm with Ally via their managerial division for " total losses '' at voice number XXXX that this derogatory will be removed because Ally notified me yesterday that they had received the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (DE).
Issue: Credit decision / Underwriting

Complaint: We were 2 1/2 hours from closing when we got a call saying our loan has been denied. We have been working with Wells Fargo for 7 months to secure this mortgage. We have XXXX commitment letters, inspections, appraisals and XXXX closing Disclosures. XXXX times we thought we were closing, Wells Fargo would call us on a Friday Evening with the bad news they wanted more documentation and we would not be closing the next Monday. We have moved over half our possessions into storage, we have given our landlord notice and the utilities on the for our new house are in our name. Because of Wells Fargo 's inability process anything in a timely manner My family will be homeless in three weeks. What has changed? I 'm told my dept ratio is too high for a coupe of months in the year. They are incapable of understanding that a seasonal part time job has a fluctuating pay check. I have XXXX incomes my primary income is working for the same transit property for 17 years. My second income is XXXX from the XXXX Since the first approval letter my dept ratio has improved and my credit score has gone up. Why did it take them 7 months to make a decision???

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 07-12-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with U.S. BANCORP (MO).
Issue: Problem with additional add-on products or services

Complaint: When I opened checking account withUS bank, bank without my knowledge or my agreement automatically opened line of credit. I did n't ask and did n't agree with that. Later when I had fraudulent transactions and my balance was negative they automatically transferred funds from line of credit. Now they closed my account without my knowledge and expect me to pay this line of credit. I do not have another checking account and did n't want it in a first place.

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 08-09-2016 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CT).
Issue: Shopping for a loan or lease

Complaint: I call my current auto loan company, USAA, and inquired about an auto loan since my current rate, 4.85 % was rather high. I spoke to representative and she indicated that I was pre approved for 1.4 % rate. My application number with USAA XXXX. I applied with the understanding my rate would be 1.4 % without any other rate or condition as conveyed by the representative. She did not outline any conditions or requirements for this application. Her name was XXXX. The representative then told me my rate would be 4.85 % not 1.4 %. She did not know why the rate changed. After she checked she indicated that the rate changed because I am using a used car not a new car for collateral. 
I asked to speak to a supervisor and after being disconnected and waiting for 50 minutes, I spoke to XXXX on the ERT team. 
XXXX explained to me a litany of information that was not conveyed by the sales representative including the rate was variable and is different for new and used cars. I requested that my application be terminated and the credit inquiry removed my credit history. XXXX indicated that she did not believe this could happen. How can a company fail to disclosed all of the required application information and not have the processes to correct the issue. 
If a loan company has the ability to check my credit they should also be required to remove the check if the company fails to perform all of the legally required disclosures.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Frauding scams using XXXX Indiana and XXXX Indiana title work attached to towns social numbers and birth certificate and XXXX   record and schools records, 50 states frauding cases Also frauding scams using XXXX fraud ids and business permits Frauding scams using XXXX business permits and ids There was others counties of Indiana which wrecked on that location of data

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 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Columbia Credits, Inc (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Collection agency in question is based in my office building, Columbia Credits Inc. My dog had a run in with another dog in the parking there lot and although it was abundantly clear no damage was done, they took the dog to the vet are now attempting to charge me for the consultation and some XXXX medicine the dog received. They think because they are a collection service they can serve me with a bill and are threatening that they 'll take me to court over it. Please help, I signed no agreement to pay any money, I owe nothing, they are just clearly quite ok with blatantly breaking the law.

Company response to consumer: Untimely response
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: on XXXX XXXX 2017 I went online with Equifax and put a credit freeze on my credit file using their credit freeze page.
Part of the process was the printing of a PDF with the PIN number required to lift a credit freeze.
I am having two problems with this process : 1 ) The lifting of a credit freeze is an all-or-nothing process with Equifax. The other two credit bureaus allow for lenders to access a frozen file using a PIN that is provided by the credit bureau. Equifax only provides you the ability to lift or freeze the file ; the whole purpose of freezing the file is to help ensure that fraudulent accounts are not opened in the name of the person in the credit file using information that the credit bureaus have gathered - without my consent.
2 ) Part of the process of creating a credit freeze is the provision to print to a PDF the provided pin number to access the credit freeze and also to login to the Equifax system. Unfortunately - and I did not notice this at the time - the page with the pin number printed as a blank page in my XXXX XXXX system. Therefore the pin was lost - I relied on the printing of this file to capture the pin information instead of writing it down or having it emailed to me ( do not recall if emailing the PIN was provided as an option or not ).
Note, I was using XXXX XXXX browser to do this.
3 ) Once the pin is lost, Equifax does not provide an alternative method to allow the person whose file is frozen to contact Equifax to fix the problem. The issuance of the pin is a circular process ; to contact Equifax, you need the pin ; if its lost the person whose credit file is involved has no method to contact Equifax to fix this problem.
All provided phone numbers and contact methods are for individuals who are businesses or have an account with Equifax as an Equifax client. or are dedicated to other purposes which are unrelated to credit freezes.
The key webpage to demonstrate this problem is here : http : //www.equifax.comXXXX XXXX You have to login to the Member Center to gain access to Equifax support numbers which may or may not have information and contacts relating to fixing credit freeze problems such as mine. Without the PIN, you can not login to the Member Center, so you can not even see what resources and contacts are available.
Since I am not an Equifax client, and I am a consumer, I have no authorized contact method to reach Equifax to correct the problem mentioned above. I am essentially locked out of my credit file permanently and also locked out from even contacting Equifax to correct the problem.
All other phone numbers on the Equifax website that I found are dedicated for other purposes and are not associated with resolving credit freeze issues. Equifax does not provide much if any support for the credit freeze process outside of a page where you can lock & unlock your credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage refinance loan on my existing home and I was denied because the credit report that my lender pulled showed my scores as XXXX ( XXXX ) XXXX ( XXXX ) and XXXX ( XXXX ). However, when I review my credit and my scores on the websites due to my paid member ship, they show my credit scores as XXXX XXXX XXXX XXXX and XXXX ( XXXX ). I contacted the lender and the credit agencies and no one can explain to me why the huge discrepancy in the credit scores that I am paying for through the credit agencies and the credit scores that are being provided to creditors. I do n't know if there is a true purpose in monitoring my credit scores and paying a monthly fee to each of the XXXX credit agencies if I am not getting accurate and/or complete information.

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