milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Upon reviewing my credit report with Trans Union ( pg. 5/12 ) company by the name of XXXX XXXX XXXX placed a collection for XXXX XXXX XXXX onto my report. I was never notified by phone nor mail from this collection agency. Upon further review XXXX XXXX XXXX placed this collection datedXX/XX/XXXX. 

ISSUE : On XX/XX/XXXX I received a cancellation notice from XXXX stating that this policy would expire on XX/XX/XXXX at XXXX XXXX. ( See upload ).

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 10/31/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: In or around XX/XX/XXXX or XXXXWells Fargo Home MortgageSent a letter stating we were behind about ( 3 ) months we promtly made copies and faxed receipts to them. 
We were told by a lady named XXXX '' Oh MY there is a discrepency here we need to further investigate '' Up untill XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX ) Everything was fine. 
We were notified by mail and by phone we were behind {$2800.00}. We again faxed all documents and receipts as well as got {$3000.00} In money orders. ( XXXX XXXX ) ( XXXX ) {$500.00} XXXX XXXX Money orders. And sent in as well for their feesWe were again, notified That house was up for foreclosure sale. 
We promptly called and the excuses I got are as follows1 ) we did n't know where to send them ( which dept ) 2 ) you did n't send enough3 ) our computer did n't recognize the $ XXXXincrement4 ) I 'm not sure where your money orders even are.I think they got sent back to you! 
since that time Wells Fargo Home Mortgage. Has caused me to file bankruptcy because of these. Mishandling 's of our payments, I again may have to file bankruptcy. 
Wells Fargo Home Mortgage Has NO BUSINESS handling people 's money! 
They. Have not only lost 7 months worth of payments they also lost $ XXXXTheir incompetent and irresponsibility has caused undue emotional distress, caused my credit to be destroyed. Has caused financial hardships and countless other things. 
I can not get another home loan due to their mismanagement of funds ( payments ) I recently found out they are trying to foreclose on our home yet again. 
Something NEEDS TO BE DONE ASAP!!! 

Thank you for your timeXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Credit card) with Phillips & Cohen Associates, Ltd. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted Phillips and Cohen requesting debt validation on XXXX/XXXX/2015. This was my second request to get verification of this debt and they have ignored my request time and time again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, my husband of 20 years and I divorced. He quit his job immediately prior to the divorce proceeding to ensure that I would not be awarded Child Support for our XXXX children. I was then actually required to pay him child support as I was the primary income earner. At any rate, this spawned a chain reaction of debt pile-up, including our mortgage with JPM Chase. I applied for a modification with them in late XXXX and were going through the process and I was following all of their " rules '' and " hurdles ''. Sending requested documentation 4 and 5 times. We were coming into what the Chase Loss Mitigation team called " the home stretch '' when we received a knock on the door one Saturday morning by a realtor claiming our home was sold at Auction the day prior and we had 30 days to move. I was devistated. I had worked so hard to buy my home and it was literally being taken away from me even as I was trying to do the right thing for myself and my children. I was forced to file bankruptcy in XXXX and included the foreclosure in that BK. I was forced to rent a home in XXXX that was far too expensive for me to afford due to the limited time I had to procure a home for a family of XXXX. In XXXX, I was hospitalized and almost died from XXXX. I was off work for over 6 months. I was released to return to work full time XXXX. I was then displaced with XXXX other XXXX employees on XXXX. I liquidated my XXXX to pay for my rent until the end of XXXX. On XXXX, I was evicted from my rental home due to not being able to pay rent - as no job had been secured. This was the first time I had not had a job since I was XXXX years old. For the first time in my life, I was officially homeless. With all XXXX children in tow. In XXXX, XXXX rehired me in their XXXX as an XXXX where I have remained employed since. Unfortunately, the entire course of events was triggered by Chase 's inability for their loss mitigation department to talk to their foreclosure department to advise that we were mid-modification. I know of several other families who have had similar situations with Chase. I believe their modification process was all just a tactical move on their part to reclaim properties from unsuspecting modification clients - similar to the bait and switch. Deplorable.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Vehicle loan or lease (Lease) with Carolina Finance, LLC (NC).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I purchased a vehicle from Carolina Finance in XXXX. Voluntarily surrender the Vehicle XXXX due to financial difficulties. My rep was XXXX. He agreed that I voluntarily surrender the vehicle which I did. 
He advised me the car would be auction off. the acct charge amt on my credit report is XXXX written off XXXX past due as of XXXX XXXX still reporting on my credit report. 
I contacted Carolina Finance on XXXX XXXX XXXX I spoke to rep XXXX in the XXXX branch she advised me after researching that there is no information in regards to me having an acct. XXXX transferred me to the XXXX branch, where I spoke to XXXX. Per XXXX there in nothing on file in regards to an account for me. she stated she was pulling up one Account with the name XXXX but social security did not match. I explained i was on my credit report she could not give me any other way to proceed about how she can help get this off my report with refusal to write the bureaus for me. XXXX 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 03/18/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received validation but no signed contract with this collection firm. I do not agree with the data on the statements or the date of charged off. Please assist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CT).
Issue: Using a debit or ATM card

Complaint: Paypal Credit charged me {$6.00} in 2014 and I just got a letter from a collection agency for a bill of {$61.00}. I had never applied for Pay pal credit. I called Paypal and they could not even provide me with the information that I did use the service. They said I probably hit the wrong button by mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: chase allowed someone to use my account they have not fixed this since XX/XX/XXXX i 've made them aware of this several time and show them proof that i never received these items

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to make this complaint against XXXX XXXX XXXX and my investor of my loan. Loan Modification policies that discriminately disallows the bank 's service provider, XXXX XXXX XXXX, to approve a loan modification that is authorized under the Hamp or Harp Program by Mr Obama for underwater homeowners. On two occasions, XX/XX/XXXX and XX/XX/XXXX, XXXX in accordance with Deutsche 's discretionary policies contrary to existing XXXX authority has denied our loan modification applications, despite proven severe decline in our home value and documented severe decline in our household income due to XXXX XXXX 's XXXX status. The basis for the denial is " The owner of your loan has very specific, technical guidelines for participating in the government 's FED programs and your loan falls outside of the requirements. Because our loan is not backed by XXXX or XXXX XXXX, my Wife and I have lost the opportunity to take advantage of refinancing or modifying through XXXX and are subject to the discriminatory policy of Deutsch Bank National Trust Company as Trustee on Behalf of XXXX XXXX XXXX XXXX Mortgage Pass- Through Certificates, Series XXXX. Because of the legal maze of ownership, we are unable to speak directly with anyone within the bank that actually owns our loan regarding our personal situation. XXXX just released contact information for the bank. It is a vicious cycle designed to disable the customer. Under any peer bank standards, our circumstances more than qualifies for a loan modification. However, because we are behind on our mortgage payment, we are requesting help. Our families gross financial hardships in other areas of our household, XXXX is not authorized to help and is acting under Deutsche 's " technical guidelines '' keeps our family economically strapped and oppressed. I would also like to add to this complaint that DBNTC in XXXX XXXX CA office is showing a lease sign, and is s subject of a new movie called XXXX. They still may be under investigation by the DOJ, and may be shutdown. I also would like to add that XXXX may be the primary investor, not sure due to the letter that B of A sent me has DBNTC the Trustee working on behalf of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: About a year ago I had a debt collector convergent try to collect a debt for XXXX in which I still have XXXX I disputed this with all XXXX credit bureaus and they removed it form my credit report they are saying I owe XXXX I do n't owe this money I never miss any payments for XXXX and I still have XXXX as of today

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Problems caused by my funds being low

Complaint: I had unauthorized charges on a XXXX account ; those charges were paid by XXXX account ; my bank account was accessed to pay the pay pal charges ... my credit union " navy Federal '' has charged my accounts over ~ {$600.00} in NSF fees and overdraft protection fees I. Conjunction with this google play mishap ; they added ~ {$270.00} in NSF fees after I informed them to close my account it was compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/2015 I disputed an inquiry on my credit report directly with XXXX via certified mail. The letter was received, but there has been no response. Please remove this item from my credit report immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Approximately XXXXXXXX years ago when my student loans were with Chase Student Loans a " manager '' on a debt collection call threatened legal action to have a lien placed on my parents home and threatened further foreclosure action should the account not be kept current.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Tax Lien paid and satisfied from Ga Dept of Revenue. Has not been removed from TransUnion. I am not on the delinquent taxpayer list and I have receipts showing lien has been paid in full. 
Reference number : XXXX {$3100.00} Reference number : XXXX {$1700.00}

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 02/17/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Deposits and withdrawals

Complaint: I have been a victim of the Wells Fargo scam that has been going on for several years. I opened my account in XXXX 2009. There was an incredible amount of overdraft fees and secret accounts were opened without my authorization.

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 08/28/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had a forbearance agreement with XXXX mortgage. my loan transferred to penny mac and they said they never received the agreement, XXXX mortgage sent all the forbearance agreement paperwork to penny mac. When I called penny mac they said there was no agreement and i had to pay the total past due or do a short sale. They never honored the agreement or applied the money i paid for the forbearance to the loan. I tried resolving this problem with penny mac before i did a deed and leau and after with no success. Every time there is new information brought to there attention they just change what they were saying. XXXX mortgage proved to them in a cfpb case that I had a good agreement and penny mac stated that i maid no mention of the forbearance agreement in my deed in leau request. I told XXXX XXXX about in on the phone and in my application process. penny mac chose to ignore the agreement in XX/XX/XXXX and in XX/XX/XXXX. My credit report shows i made no payment to them and i owe XXXX and past due XXXX. I could never make a payment because penny mac would n't accept any payment unless i would bring the account current in XX/XX/XXXX which was impossible because i paid XXXX and XXXX in the forbearance agreement to XXXX mortgage. my only option was a short sale which was unacceptable to me because it was there mistake or predatory lending practices. I have sense received a letter from penny mac saying my loan is paid in full and it 's stamped on my deed. yet my report still shows the mortgage as open and I owe money. Penny mac has cause a lot of turmoil for my young children myself and caused a divorce from financial stress due to bad credit. and still does I was also lied to during the deed in leau process by XXXX XXXX. He stated my loan would be reported as paid in full and a deed in leau would n't affect my credit like a foreclosure, and I 'd be able to buy a house much sooner than a foreclosure which were all lies.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The cfpb issued a XXXX fold administrative proceeding ( File No. XXXX ) against Central Financial Control. 
One mandate of the proceeding was a penalty of up to {$120.00} ( aprox ) per incident to each affected customer. 
Another mandate was to issue a full refund to customers who had paid the implicated debts ( accounts ) in full. ( The third aspect of the proceeding is to forgive in full the debt of afflicted customers who failed to pay their debt. ) I was issued XXXX penalty checks of {$120.00} each, complying with XXXX mandate of the proceeding. In addition and as per the proceeding, a refund is due to me in the amount of {$2700.00}. for account number XXXX, for a debt that was paid in full to Central Financial Control and is XXXX of the accounts I held covered by the cfpb mandate. A check for {$120.00} to comply with the penalty mandated was issued for this account, but absolutely no refund has been issued. Central Financial Control is still in violation of the 'refund ' mandate in the proceeding. 
Please refer to the cfpb directive XXXX XXXX. XXXX, link : XXXX XXXX I anticipate a timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was unaware of any collection regarding my previous cell phone provider, XXXX. I called XXXX and they told me I had a previous balance that was now in collections. I asked if it could be removed from collections which they agreed to do. I then proceeded to make a payment for the full balance of {$160.00}. 

I disputed with the XXXX reporting bureaus the accuracy of the collection being on my reports due to they did not have collection authority on the accounts. They came back as verified, and when I submitted payment verification, Receivable Performance refused to accept the documentation from the credit reporting bureaus. 

I proceeded to call Receivable Performance at XXXX and spoke to a supervisor who told me they would not remove it from my report. She confirmed that XXXX had taken the debt back. When I explained that Receivable Performance therefore did not have collection authority on the account, they should 've removed it from all XXXX credit bureaus. She said they would not do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Mortgage (Conventional home mortgage) with Social Finance, Inc. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I refinanced an FHA mortgage into a conventional mortgage in order to get rid of mortgage insurance payments. My lender is Sofi. When I contacted the lender, I was promised an interest rate of 4.375 %. I signed a rate lock document that guarantees that rate for 40 days. 

However, in the closing documents the rate was stated as 4.5 %. In the rush to sign all the closing documents I overlooked that and signed the papers. 

Do I have any recourse? 

Date rate lock Expires : XXXX XXXX, XXXX : Date closing documents were signed : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Billing disputes

Complaint: I went through a credit consolidation company to reduce my debts, the program was to be be completed XX/XX/XXXX. Instead of closing my account with Capitol One, Capitol one took the payments that were issued to the agreed account, after it had a XXXX balance and applied them to my other card. The card that had payments placed to it was not in the consolidation and caused my account with the consolidation company to remain open, where I incurred service fees monthly. At no time was there any arrangement to pay on any other account, only the 1 that was listed in the consolidation contract. I feel strongly that this was a breech of contract with Cap.One and highly illegal. At no time did I approve my payments to go to any other account. The accounts, including one in my wifes name, were receiving payments. The consolidation loan was only in my name, so not only did Cap. One make payments that were directed to accounts not in the consolidation agreement they applied money to an account that was n't in my name. I have contacted cap one and their response was it is in their practice to take over payments and apply them to other cards. ABSOLUTELY NOT! That can not be legal. A consolidation company works with the debtors to drop interest and reduce the payments, the open accounts had not been included in this. Had this account been paid off my consolidation payments would have finished XX/XX/XXXX for all the companies in my debt consolidation. being that it was not, I had several months where my payments were being divided between Cap one and a separate debt. So not only did I pay out XXXX months of unnecessary service fees it lengthened my pay off to the other account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (WY).
Issue: Problems when you are unable to pay

Complaint: I went to get a lease on a truck. I got one sum from the sale person, and at the point of sale I wanted to keep my car. The lease got to be twice the amount, and a down payment. But I keep the car. Now, the truck has been repossed by the loan company. The amount of the lease is as much as it would take to own the truck, and it remains a lease. I got XXXX regections from the loan company, and tried to take the truck back on XXXX differant accations. The lease came throw, and my credit was gone, the day I went into the dealer. So the loan was out of wack, and I have been kicked out of my bank, and I am unable to pay for my lease, I was kicked out a XXXX point. This seems to be timed as to the same kind of timing, the lease and the bank kicking me out at XXXX point. and My credit was over XXXX and now, and at the time the loan was processed, not good enough to get a loan and the company still gave me the loan at twice the price and a down payment, After regection XXXX times.

Company response to consumer: Closed with explanation