milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: the issue is with countywide mortgage in 2007 my mortgage jump from XXXX to XXXX without being told or to send me a letter.i been fighting this over 5years i sent papers to countrywide asking way this is happening? never got true answer they gave me the run around someone in customer service told me if i dont pay the XXXX that they wold foreclose on my home.at the i didnt know countrywide was being indicted for mortgage fraud then i received a letter from bank of america to send my payments to them when i them that countrywide had overcharge me they didnt want to here that they didnt help.i always thought my family would be protected by the GOV.having a FHA loan.i fill like CFPB didnt give my family the help we deserve.I ) ve even sent a letter to the C.E.O Mr.Mahayan of BOFA never got a answer back.I would love to a refund from due to countrywide mortgage now own by BOFA to pay back for the overcharging.they gave me explanation of why countrywide went up on my mortgage am total disable now.couldnt afford to pay this extra XXXX ieven contacted XXXX XXXX news asking for help.i hope and pray that my family will get backthe benefits owe to us.Am gon na give to CFPB my mailing address and my loan # with countrywide mortgage now BOFA i have the same account # is XXXX my address XXXX XXXX XXXX XXXX phone # XXXX please call or write if you need more info.PLEASE HELP XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit card () with SYNCHRONY FINANCIAL (KY).
Issue: Other

Complaint: Synchrony Bank overcharged me by {$100.00} on XXXX XXXX, 2015 and has failed to refund my money. I keep calling them and they say they sent me a refund check but I never got it. I called numerous times. It is very difficult to get a hold of a person because of the way they have their automated phone system set up and when I finally do get a hold of someone, such as the last time I called, which was today, and spoke with XXXX, I got told things like, " we issued the check on XXXX XXXX, but please keep in mind that it takes 10 to 15 business days to receive the check ''. When I pull up the calendar and tell her that 10 to 15 business days already past last week, she says she is not the postal service and can not help me. When I ask her to confirm to me via email that this check was sent out she says she ca n't help me. So then I have to ask to speak to a manager and then get put on hold again. When the manager finally gets on the phone he tells me that the customer service representative gave me incorrect information and that the check was mailed XXXX XXXX and I should get it by next week at the latest. 
This has happened repeatedly. The overcharge was in XXXX and I have been calling Synchrony Bank numerous times since then.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I had done a modification in XXXX. And my first payment was on XXXX .and on XXXX/XXXX/XXXX I recast my loan with Wells Fargo to be in a fixed rate because I knew my rate was going to go up being in this modification. And when you recast your loan the rate stays fixed and the term stays the same the entire loan The payment is what gets lowered. As all this infomation is on Wells Fargo papers too. 
XXXX XXXX is trying to do a fraudrulent act on my loan saying I am still in the modification That 's why it 's going up. Well that not true at all there causing a fraudrulent act on my loan And I want them prosicuted to the fullness extent. And I want Wells Fargo to pay my loan in full due to they are trying to Cause a fraudrulent act on my loan. And I am not the only one Wells Fargo has done this to its all online in the news what Wells Fargo is doing. 
They need to be put out of business how dear Of them do this to my loan.

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: XXXX   XXXX ,  2017 Feder al Trade Commission  Consumer Response Center   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX  : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against  XXXX   XXXX   XXXX , Experian,  XXXX ,  XXXX .  <P/> For the last 2 months I have filed more than  XXXX  disputes against  XXXX   XXXX   XXXX , reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved.  <P/> I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with  XXXX   XXXX   XXXX  to date. Today I received another letter from Experian stating that  XXXX   XXXX   XXXX  has properly investigated my balance and is still reporting my balance as {$19000.00} since  XXXX    XXXX    ( re cently updated in  XXXX  the same balance. I also received an alert from   XXXX   that my balance is {$19000.00} and has been so since  XXXX ,  2017 I con tinue to send the same documentation to the  XXXX , Experian and  XXXX  ; I have called   XXXX   XXXX   XXXX   and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from  XXXX ,  XXXX  and  XXXX  as you can see the statement dates are the  XXXX  of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation.  <P/> I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.  <P/> Thank you for your assistance.  <P/> Sincerely,  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 explanation
Consumer complaint received 09/17/2016 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (CA).
Issue: Taking out the loan or lease

Complaint: I never agreed or signed any document to have a loan taken out on my name for solar panels, nor do I live at the property where the solar panels were installed. A sales man told my elderly mother that they can use my name to take out a loan for solar panels at her home if she did not qualify. I never knew the loan existed nor did I ever sign or agree to any such loan. My mother is elderly and was taken advantage of. Now the finance company is calling and harassing me for payment. I called them to ask them what this is regarding as I never knew such a loan existed and that was the first time me hearing that this loan existed. When I spoke to Greensky Loan Services they said if they obtain my information the loan is valid. I could not understand how a {$27000.00} loan can be taken out in my name without my knowledge or signature, that is complete fraud! There are other lawsuits against this company as well for scams!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit reporting () with LANIER COLLECTIONS AGENCY AND SERVICES INC (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing a complaint against Lanier Collection agency wrote them letter requesting information. After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in from XX/XX/XXXX-XX/XX/XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. They sent me back XXXX pages with total charge and a description the procedure I was supposedly had gotten. They refused to send me anything with my signature provide them service to release any of medical information which is a violation of HIPPA. I never agreed to pay them anything nor do I know who they are. I am unaware of these bills ; these are not my accounts. Then I tried to call to informed them they may have to wrong person. They were extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. XXXX is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
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: The credit reporting by Transunion still showed i have a paid federal tax lien on my report. I have disputed it with them 3 times. All of my other federal tax liens have been removed from my report. Even XXXX has removed all of my federal tax liens from my report. These liens were paid XXXX/XXXX/XXXX and all they have done was update, which they should have removed them just like the other 7 which were paid on the same date.

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 01-09-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I opened a new credit account with XXXX XXXX XXXX. Never used the card but did pay the XXXX dollar activation fee. 4 months later I saw fraudulent charges at XXXX in California. I called the credit card company and reported fraud. They closed the account and issued a new account to me. I was told it could take 60 days to investigate. XXXX was reported to them XXXX XXXX 2014 for charges made XXXX XXXX and XXXX 2014. Received letter from their fraud investigation department stating no new charges on account ending in XXXX. This is not my account. I have spent hours upon hours trying to resolve on the phone.. No resolution yet I keep getting late fees interest and the fraud charges are still on the account. They have now reported me to the credit agencies as a no pay on the credit card. The new account they issued I also closed due to their lack of resolution in the fraud case. Pleas advise how to remove from my credit report. They are idiots.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Southern management systems collection company reported a debt of {$5200.00} on my credit report with hideaway north as the original creditor. I disputed this amount with the credit bureau and they dropped the inflated amount to {$3000.00}. I further went ahead and negotiated the debt with southern management systems down to {$2200.00} with the agreement that southern management systems will remove this debt completely from my credit report and the original creditor hideaway north will withdraw their petition for a civil lawsuit against me.. I paid off the whole balance of {$2200.00} in one payment on XXXX/XXXX/2016. Southern management systems informed me upon payment that the next day XXXX/XXXX/2016, they southern management systems will report the debt to be deleted. Contrary to what the told me they went ahead and reported the debt on XXXX/XXXX/2016 as still being owed and as a result of that XXXX is refusing to remove this from my credit report even though I have sent them a letter showing the balance as paid off and showing a categoric request by southern management systems to have this account absolutely deleted from my credit report. The credit bureau can confidently confirm that on XXXX/XXXX/2016 southern management systems reported the debt as still being owed and the recorded conversation between me and the staff at southern management will also confirm their insistence on the fact that on XXXX/XXXX/2016 they reported the account as paid and to be deleted of my credit report. They have been intentionally lying to me when they know they have reported the debt as unpaid but then keep telling me the opposite. I have spent hours on the phone with both the credit bureaus and the collection company and the collection company refuses to honour our agreement.

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 03/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was steered to an in house modification and have been making trial payments toward that end. Although I applied for a HAMP modification, I was never given a decision on it. 
Through HAMP, I have made 6 years of on time payments and was never given the opportunity to should recast/reamortize my loan with the HAMP program. I would like Wells Fargo to complete the following form and give me a recast option. 
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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 PAID {$7700.00} to  XXXX    XXXX    X/X/2011    RECEIVED MY TITLE FOR A TRUCK FROM  XXXX  AND THEY PLACED INCORRECT IFORMATION ON MY CREDIT REPORT STATING THAT I HAVE A BALANCE OF {$560.00}.

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 05/23/2016 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX I made an online payment with Homebridge Loan Servicing Inc. and received immediate confirmation of such. 
This payment was not debited from my account and they subsequently transferred my loan to another servicing company. 
I have written and called on numerous occasions and no one has even investigated the matter, much less resolved it. This company is poorly run and has had numerous problems in the past with its web-site and with debiting mortgage payments appropriately, even to the point recently where they improperly debited numerous accounts and had to provide refunds. 

XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An amount of {$310.00} was previously disputed in XXXX 2016 with XXXX. XXXX deleted the account from my credit report and stopped collections. I transferred my XXXX phone account to my wife 's account so there was no money due. I recently noticed a collection account was placed onto my credit bureau files without my knowledge and without every receiving a letter from the debt collector in order to give me ample time to dispute the validity of the debt. They just placed it onto my credit without first attempting to communicate with me via mail. It is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX has a debt system that is not tied to patients social security number. I have a debt payment agreement with them making payments on my balances for XXXX different hospital visits. At their direction I was paying on oldest ones first. Since the accounts are not linked to my social they determined that I was not making payments and sent them to collections. They have damaged me even though I was making good faith payments.

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 11/22/2017 about Payday loan, title loan, or personal loan (Title loan) with Westlake Services, LLC (CA).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: In XXXX 2016 the vehicle broke down. A tow company took the vehicle out of my hands. I signed a bill of sale and he took over the title. He said he would pay balance and not too worry. The car no longer in my possession. It 's been long gone for a year now and they keep calling me, harassing me and my friends. Going to their houses and harrassing them, then saying they have a judgement against me, throwing papers at them, going through their mail to try to find me. I lost my job, went thru divorce and became homeless for 4 months. I get on my feet again, only to repeat the process. I live a clean and peaceful life and tired of the calls. 

They do n't listen and I sent letters which they said they did n't receive. And a copy of the bill of sale for XXXX dollars as well as to the DMV. Wilshire Consumer Credit is the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: A debt was sold to a new collection agency ( XXXX ) for XXXX who did not notify me within 5 days that the debt was being sold or even call me or send me a letter to give me the oppurtunity to settle the debt or dispute it before it was added to my credit report which is a violation of the reinsertion law they reported on 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 05/23/2017 about Debt collection (Medical debt) with AR Resources, Inc. (FL) (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was involved in an accident at the end of XXXX 2016. The other driver was found to be at fault. The driver was in a work truck pulling a trailer and rear ended me going around 40-45 mph. I was seen at a local ER within the next 2 weeks and then was seen by XXXX and now an XXXX XXXX. The bills I received originally I sent to my insurance agency to pay, and I was under the impression that these were covered completely. They were not, however, two in particular were applied towards my deductible and an outstanding balance remained. I moved addresses from XXXX area to XXXX area and had my mail forwarded to the new address but did not receive any further contact stating that any balances remained. I did not receive mail, phone calls, or emails despite my phone number and emailing being up to date and current with both agencies. I did not know about the balances until I received bills from collections agencies. AR resources Inc and XXXX XXXX XXXX XXXX. I have attached those bills. I also had a credit report done and these collections have made my credit score drop over XXXX points. If I were to have been contacted by the original billing agencies properly I would have gladly paid the bills to avoid collections and just received the settlement from the insurance at a later date. The debt collectors ASSURED me that if I pay it will immediately come off my credit, but I am concerned that it will only show as paid debt and still be on my credit bringing it down for 7 years. The original billers were XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I contacted both of these companies and they stated that they mailed me bills, however I did not receive them and they did not make any attempt to call me or email me or I would have gladly paid the bills. Instead, this is now effecting my previously PERFECT credit and literally destroying my finances and making it difficult to get a home loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation