milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: SunTrust Mortgage held the mortgage on my home until XXXX XXXX. An escrow account was established at closing to pay taxes and insurance. SunTrust made a partial payment on the insurance in XX/XX/XXXX, even though there were funds in the account to cover all charges. The insurance was canceled due to lack of full payment. SunTrust then sold the loan to XXXX XXXX XX/XX/XXXX due to lack of insurance. I made several calls and wrote letters to them there was never no written response. .An attorney contact them in XX/XX/XXXX on my behalf still no response.I spoke with them however, they stated they have no information on my file since it was sold. The lender placed insurance cost is $ XXXX yearly and only covers the structure. I have a 30 year fixed mortgage however the escrow has increased to over {$500.00} per month .We could loose our home due to their error. My payments have gone from {$1900.00} to $ XXXX.Desired resolution I want SunTrust to compensate me for the harm they have caused my family, I would like to be included in a class action suite against them since I got my loan XX/XX/XXXX and the interest rate is 5.8 %. My husband and I are XXXX and both had scores above XXXX when the loan was secured. I can be reached at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX owner.

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 04-06-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR).
Issue: Other transaction issues

Complaint: my father XXXX XXXX from XXXX XXXX XXXX sent me XXXX through Money gram and the reference number did not work.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Debt collection (Payday loan) with Risecredit, LLC (MO).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I entered into a debt reduction program. Cease communication papers were filled out and sent on. I have also sent them messages with the phone number of the credit counseling firm. I asked that they call them instead of me. I am still getting at least 5 calls a day. Sometimes 8 to 10 calls.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (I do not know) with MRS BPO, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My sister in law used my husband as a " reference '' on a loan. Most likely XXXX. The collection agency had calld us threatening to sue and uses aggressive language if we do n't get her to pay this loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Other financial service (Credit repair) with Experian Information Solutions Inc. (MI).
Issue: Unexpected/Other fees

Complaint: Experian was one of three credit agencies I used to collect my free annual credit report. Because credit reports do n't actually present your score, I purchased one online from Experian for about {$5.00}. 

During this process, I apparently agreed to a recurring monthly membership fee of {$20.00}. I agreed to no such thing, at least not voluntarily. It is possible I missed some auto-filled check box or something else that indicated as such. 

I contacted Experian about two days after the charge posted to my account to explain my situation. After talking to her supervisor, XXXX, the support person, said they only offer refunds for 24 hours after payment. She offered to cancel my service, and I accepted. 

I believe it 's unethical to offer one service, and then use a confusing, deceptive, or unclear user interface to trick site visitors into purchasing unwanted services. I 'm not an XXXX or a Internet newbie, I kept watch for such things and still missed it. 

Mistakes happen, and Experian should be required to acknowledge my mistake and refund my {$20.00}. I have a family XXXX, every dollar counts, and I 'm trying to repair my credit, not provide a target for corrupt companies that claim to care about my circumstances. 

Sincerely, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax has continued to verify information on my credit file without validation, On several occasions by cerified mail i have disputed unauthorized credit inquires by companies i did not ask to pull my credit. There are several accounts on my file that are reporting in accurately. 
XXXX XXXX account that I do not owe these accounts and a tax lien or judgment that they are telling is verified by county court clerk who do not evensend information to the credit bureaus as this info in reporting incorrectly as well as another account for XXXX which i nver had an account with XXXX and asked for proof of my signature verifying this is my account

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with On-Site Manager, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for an apartment in XXXX on XX/XX/XXXX, about couple hours later I was emailed a copy of a Rental Report. In the report it reads, a rental company filed evictions against me three different times. The first one was on XX/XX/XXXX then XX/XX/XXXX and the last one on XX/XX/XXXX for an address I NEVER LIVED AT. With that information I was declined for the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have already called 5 times today and once at XXXX ( which is out of the time limit warranted ). It becomes very frustrating and I 'm not able to answer when I 'm at work, yet they continue to call during those hours.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Last year I have been getting calls from banks unpaid accounts never did business with themI had credit cards with one bank I found that they have been used by someone not meI have been sending letters to Truns Union asking to delet the accounts all they gave methe run around sent them 3 letters in 4 mouths run around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortagage proceeded to make late payments on my property taxes incurring fees that I am now being charged for. I have called them on numerous occasions and they will not give me any explanations. They re-analyzed my escrow mid year so that they would be able to place these fees on my account. They are now stating that my mortgage will increase XXXX % percent. I went from a mortgage of XXXX dollars to a XXXX dollar note. Customer Service XXXX and they are very rude and incompetent. The supervisors are worse and no one ever tells you the same story, everytime I have called it is a completely different explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: I have a mortgage with wells fargo. my house burned down. I have had nothing but a bad experience with wells fargo in dealing with this great loss. I have multiple complaints  1 ) Wells far go is holding  XXXX  from the insurance company. They will only p rovide 1/3 of the funds until 1/2 of th e house is complete. I have demonstrated strong financial situation . ( high salary, high 401K, hig h equity in  XXXX  home, high equity after construction ). I have asked to continue to receive disbursements of my funds as I demonstrate that the initial funds have been applied to the build of the house. If I run short at the end of the project, I will eliminate " nice to have '' finishes from the contract.  <P/> Wells fargo continues to say no. They will not release any more funds until I am at 50 % complete. They do n't offer construction loans, they wont give me a line of credit/refinance on my  XXXX  home. It does n't benefit wells fargo to have a property sit in a burned down state because they wont give me the funds, unless they are hoping that I will default and they get to take over the property.  <P/>  2 ) The property loss department requires an overhaul. I talked to them at least 20 times and they never informed me that wells would only pay out 1/3 of the insurance money and would not give me the rest of the money until I had 1/2 of the house completed. Do they do this on purpose so I would end up in the situation I am in? People do n't know what to do when they have a total loss tragedy. Should n't wells fargo play a role in informing the customer that they will be hold ing all of these insurance funds but will NOT disburse them ( so I could have gone to  XXXX    XXXX   earlier ... ..when I was n't in a crunch to get the funds? ) Does wells just want to keep making interest as long as possible and does n't really care about its clients?? again ... .so unethical.  <P/>  2 ) Wells f argo continues to refuse to tell me what 50 % complete means. they say they will distribute more funds when they are 50 % complete but they have me on their recorded lines begging for a definition of 50 % complete and they continue to say they will get back to me with that definition and they never do. is this a scam as well? will they still not give me the funds when the contractor says I am at 50 % complete. will they find some excuse at that point to hold the funds as long as possible?

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 09/22/2016 about Bank account or service (Cashing a check without an account) with JPMORGAN CHASE & CO. (NV).
Issue: Making/receiving payments, sending money

Complaint: I went to get a check cashed for services I performed. They refused to cash it. Instead of calling the account holder, they told me to return it to them. This was at XXXX locations. They told me to put it on my back account, although it was a Chasemail account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Debt collection (Medical) with FMS Inc. (ID).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent FMS a letter ( attached ) asking them to provide proof of debt. ( delivery confirmation attached ) because I had received a letter from FMS saying they are attempting to collect a debt and that I need to respond within 30 days, ( letter attached ) which I did. They sent me a letter stating that they would and that all debt collection would cease until debt verification ( letter attached ). I still have not received proof that this debt belongs to me and they have now started reporting this debt on my credit report. 

They are in violation of fcra.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems when you are unable to pay

Complaint: My wife and I divorced on XXXX XXXX, XXXX and the court / Judge ordered her the XXXX XXXX XXXX and full financial responsibility of it. The car was financed in XXXX of our names so it shows on my credit report. Since the divorce which is when she assumed responsibility she is always late and payments behind which reflects on my credit even though I have no control or even know where the car is these days. I have put in XXXX disputes to date to remove this account from my credit report with the Credit Bureau and each time they have declined saying the financer disagrees. My credit is getting a bad mark from this and I feel like this is not right now that I no longer hold financially responsibility ordered by a judge in a court of law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Student loan (Non-federal student loan) with Student Loan Finance Corporation (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have filed my complain previously to CFPB ( Case number : XXXX ) against SLFC regarding cosigning student loan. SLFC, in response decided that it will make the necessary transactions to remove me as cosigner from the loan and also agreed to take necessary steps to remove and repair my credit report and score that has been affected. Unfortunately my latest credit reports ( XXXX 2016 ) from all XXXX credit bureau indicating that the student loans still active in my reports. SLFC should take necessary actions to remove all these " active '' delinquency from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires on Transunion : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquires are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX. Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Co Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX. I have asked the creditors and credit bureau to provide me with proof of my signature requesting the credit. Still no proof submitted from them.

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 01/16/2018 about Student loan (Private student loan) with DISCOVER BANK (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I am currently enrolled in an accredited XXXX 's in XXXX XXXX program as of XX/XX/XXXX. I completed a request for student loan deferment with my lender, Discover Student Loans, in XX/XX/XXXX and again in XX/XX/XXXX. I was denied both times without receiving any official notification. After calling 3 times, I was told that, although my institution is showing as accredited according to the US DOE database and the proper enrollment verification form was submitted, Discover would not approve in-school deferment because the institution is not Title IV eligible. However, this was not listed a requirement in the promissory note, or anywhere on the Discover website. Additionally, Title IV eligibility relates to financial aid, which is not relevant to this request, as I am not looking to take out an additional loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Union Adjustment Company, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection notice from " UNION ADJUSTMENT CO '' regarding debt amount of {$4200.00} on behalf of " XXXX '' at XX/XX/2017. 
The notice asked to pay the total mentioned amount or dispute by mail within 30 days, so the dispute letter has been sent at XX/XX/2017 by certify mail. 
But according to the " XXXX '' report the collection agency opened collection account by the end of XX/XX/XXXX on " XXXX '' and then couple days later they opened the same account in " XXXX '' as well. 
Please consider there is no remaining balance between me and original creditor which is XXXX and i did not receive any bill before and certainly there is no strong documents to proof their claim like court order or something like that. 
Its like their abusing regarded laws and trying to collect money by partnering with collection agency which is obviously unlawful and potentially can be sued in court.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$3400.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Collection account. {$3400.00} past due as of XXXX XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in 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 non-monetary relief
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion there is no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is wrong more wrong information on transunion More wrong information on transunion and address that are not correct or valid

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 non-monetary relief
Consumer complaint received 01/15/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: We are going through financial hardship and we submitted a loss mitigation application in XXXX XXXX. The loan company is difficult to get a hold of. We faxed documents and we would follow up with a call and told application is in review, Then weeks later something comes in the mail saying " we are missing pg 3 & 4 '' we would email it to the email provided and no response. So finally we received a letter in XXXX XXXX saying loss mitigation application denied for not sending information timely. This is very frustrating we are now 3 months behind and can not get any help.

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 09-03-2017 about Debt collection (Other debt) with EQUIFAX, INC. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no contract with XXXX XXXX collection.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I wish to submit a complaint on behalf of myself and my wife. We currently pay a combined {$650.00} to Fedloan servicing for Federal Student Loans on the Income Based Repayment ( IBR ) plan. We recently learned that we are eligible to reduce our monthly payment by about a third, saving us {$210.00} per month by switching to the new Revised Pay As You Earn plan ( REPAYE ) that was implemented recently. We are both public servants trying to raise a family and provide the best life possible for our child. This {$210.00} per month we could be saving would go a long way to helping that. We both submitted requests to switch to the new REPAYE plan in XX/XX/XXXX. Together we have tried numerous times to contact Fedloan servicing through email and phone. On average they respond to only XXXX out of XXXX emails. The employees on their phone lines do not have clear ideas on when the request will be processed or when the new payment amounts would take effect. We have already made 2 payments since our requests were submitted, and the XXXX email I received back said they have n't processed the request yet and it could take 1-2 billing cycles after it is approved for the new payments to take effect. So by the time it 's all said and done, they may literally be costing us XXXX of dollars depending on their processing speed.

Company response to consumer: Closed with non-monetary relief