milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: The reason I am filing this complaint is because I have not been given the proper opportunity to save my home from foreclosure sale which is scheduled for Wednesday, XXXX/XXXX/XXXX. I have been working to achieve a workout solution to avoid foreclosure in working directly with XXXX XXXX Mortgage. In the first week of XXXX, I have not been able to reach my relationship manager/assigned XXXX with regards to my options to save my home shortly after the change from XXXX XXXX to XXXX XXXX. This lack of communication as impacted my ability to be able to speak with a live representative for now over XXXX weeks. I have submitted all financial information that is required of me on XXXX XXXX, XXXX. I have not received any calls or communication from XXXX XXXX acknowledging that they are in receipt of all my information and that such documents are being considered for all retention programs to save my home. I have made over XXXX attempts to reach them by phone and all I get is an automated system and a general mailbox to leave a message which I have done every single time that I called. I have not received any call backs. 
I was notified XXXX weeks ago with regard to my foreclosure sale date of XXXX XXXX, XXXX and have been working diligently to make contact with my case worker to no prevail. This is of great concern because I feel that nothing is being done with the information they requested of me and I provided on XXXX XXXX, XXXX. 
I am requesting for your assistance in hopes that you can assist with opening the lines of communication with my servicer, stop my foreclosure sale, so that I am given proper consideration to keep my home. I am also requesting for acknowledgement of the workout package I submitted to XXXX XXXX on XXXX XXXX, XXXX and the status of the review. I am also requesting for my assigned representative to contact me so that I am aware of the current status and if any additional information is needed from me to conclude their review of any programs that are available that can help me avoid foreclosure. 

Please assist me at all possible to remedy this situation as I am 100 % interested in keeping my home and have complied with supplying all required information they need for consideration. I have also spoken with an attorney and have been advised that my rights under the Homeowners Bill of Rights Act have been violated and may have no other choice to retain them for a fighting chance to keep my home. 
I can be reached at XXXX should you need to contact me for any additional information. 
Thanks in advance for your assistance and helping me keep my home. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax had a major data security breach and my personal data was affected and could impact the following : Social Security number, Birth date, Home address, Drivers license number, Credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I want to commend XXXX XXXX the Director of this agency on it 's successful lawsuit against Midland Funding LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX..I am having the exact problem " again '' with this cockroach collection agency. Out of nowhere there appeared a completely bogus fraudulent item on all XXXX of my credit reports. I mean completely fraudulent!!! Exactly what you sued them for is exactly what they are doing to me. The item actually says " all historical data deleted ''!!! XXXX, and XXXX immediately removed the item, but XXXX has not. I want you to know since XXXX is based in XXXX I filed a complaint with the Attorney General of XXXX.I received an email form them last week saying they have received my complaint. Director XXXX, I implore you to again take action on this XXXX company. May I respectfully ask you? How come no one has gone to jail here? This is Criminal Enterprise!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: I have Wells Fargo Business Accounts. When I visit my business account the company advertises a Small Business Line of Credit- pre approved for XXXX to XXXX. However, when I applied they only approved XXXX. I would not have applied for XXXX. I have excellent credit and do n't need smaller amount of credit line than XXXX. This resulted in a credit inquiry on my credit report, which will lower my score. Wells Fargo did False Advertising to entice people for loans, but approved much smaller loans that originally promised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been trying to resolve inaccurate information from my credit report with Equifax for several months now. I have filed a dispute through their onl ine dispute site (   XXXX   XXXX   XXXX   # ) as well as sent a written notice with documentation to their dispute department. My dispute continues to be ignored. I filed a complaint with the CFPB and Equifax responded that my dispute was never submitted. Therefore, I attempted to file a dispute for the third time on their website and after I enter my information, I am getting an popup message stating my request can not be processed at this time. Both  XXXX  and  XXXX  have already updated the inaccurate information but Equifax continues to ignore my dispute. If I do not get a resolution from this matter within 30 d ay, I am involving an attorney in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (IL).
Issue: Struggling to pay mortgage

Complaint: I HAVE APPLIED FOR A MODIFICATION AND SUBMITTED ALL DOCUMENTS THAT WERE BEING REQUESTED BY MY SERVICER PNC BANK. I WAS INFORMED BY PNC BANK THAT MY FILE WAS DEEMED COMPLETE WITH ALL REQUIRED DOCUMENTS ON XXXX/XXXX/17 WHICH IT WENT TO THE UNDERWRITING DEPARTMENT ON THAT DAY WHICH THEN I WAS TOLD THAT THE UNDERWRITING DEPARTMENT TAKES UP TO 30 DAYS FOR A DECISION. I HAVE BEEN CALLING ON A WEEKLY BASIS TO SEE IF THEN NEED ANY UPDATED DOCUMENTS DURING THAT TIME AND TO SEE IF A DECISION HAS BEEN RENDERED, ALL I GET TOLD WHEN I ASK WHY IT IS TAKING SO LONG IS ATTITUDE FROM ALL REPRESENTATIVES AS IF I AM BOTHER THEM AND THAT THEY ARE WAITING ON MY INVESTOR TO RESPOND IN REGARDS TO THE MODIFICATION REQUEST. MY LAST CALL TO THEM ON XXXX/XXXX/17 I WAS INFORMED THAT MY REVIEW HAS BEEN CLOSED OUT ON XXXX/XXXX/17 DUE TO THE INVESTOR OF MY LOAN DID NOT RESPOND TO PNC BANK REQUEST AND IT WAS TAKING TO LONG SO THEY ARE JUST GOING TO CLOSE OUT THE FILE. THIS IS ABSURD!!! HOW IS IT MY FAULT THAT THE SERVICER AND MY INVESTOR DOESNT KNOW HOW TO COMMUNICATE? 

I NEED HELP TO SAVE MY HOME AND IT CANT BE LEGAL FOR ME TO BE HELD RESPONSIBLE FOR THE INVESTOR AND SERVICER NOT COMMUNICATING!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX collection agency is reporting a collection to my credit report with a date of XX/XX/XXXX on Equifax , no date on XXXX and XX/XX/XXXX on XXXX for an amount of $ XXXX. This original account charged off 7+ years ago. I demand they remove this debt from my credit report and stop attempt to collect on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: We have been in our home for 2.5 years and have done a lot of work on it. We have a conventional, fixed rate mortgage to which we initially put down 10 % at closing. We have contacted our mortgage provider in order to obtain a reappraisal because we believe the value of the home has increased and that our loan to value should give us at least 20 % equity in the home. The mortgager ( to whom our mortgage was sold by our original mortgage company ) stated that because we have not been in the home for at least 5 years that our loan to value must exceed 25 % equity. Is this consistent with Homeowners Protection Act?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2016 about Debt collection (Credit card) with Global Credit & Collection Corporation (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My parents were called yesterday evening. I have not lived there in over twenty years.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with Arbor Professional Solutions, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I disputed to the credit bureau the reasons why   XXXX   XXXX   XXXX   located in  XXXX   XXXX , MN should not be on my credit bureau. I sent this      XXXX   XXXX   2016  , It   has been a year yet I have not received any feedback but yet this is still on my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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: Dear Sirs, I need your assistance after several attempts to have XXXX XXXX and Experian to remove a derogatory account off my Credit Report. the account is with XXXX XXXX XXXXThe Credit Reporting Agencies after being asked to return proof that this debt is valid .I requested an original copy of the copy of the original contract with my signature and the company signature on it and stating the Originial amount on it the amount on the reports is {$12000.00}. After several attempts and letters this negative information is still on all my reports with XXXX  XXXXand Experian. I am getting alerts with XXXX and XXXX XXXX stating that I missed a payment in which is lowering my score.Just last month I applied for a Auto loan and theCar Finance Manager said I could not get approved because my XXXX stated that I just had this month a repossession. I greatly need your assistance in getting this negative information removed. My credit and scores has suffered extensively. They also refused to remove the old addresses and inquiries and an Ex- Wife name in which I am no longer married to her for several years now. These are several dates in which I had sent numerous letters trying to get certain things removed like XXXX XXXX and they still refused to correct the informationXX/XX/XXXX,  XX/XX/XXXXXX/XX/XXXX. Hope you can be of assistance. 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 08/25/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX, 2017, a charge in the amount of {$1900.00} was made to XXXX XXXX XXXX 's account from XXXX XXXX. This was not an authorized charge, we have not done any business with them, and do not know who they are. I called TD Bank to dispute the charge and was told that the matter would be resolved within 2-3 days. I then called back only to be told it should take 7 days. After that period, I contacted the bank again, and after being transferred to supervisor, I was informed that they will not be able to reverse the charge since it was reported more than 24 hours after posting. This is very unusual to hear, as they are stating that you basically have to be chained to a computer to check bank statements on a daily basis. I have never experienced such poor protocol and service from financial institutions in the past. They are effectively saying that if I 'm away for a few days and someone processes an unauthorized charge, I have no recourse. When I asked what can be done to prevent this from occurring again in the future, the supervisor responded, " Nothing. '' This is completely unacceptable, for a bank to tell their customer that there is no safeguard in place to prevent someone who happened to get our account number, whether from a check or from some other document, to just be able to go and drain our account. If I do n't catch it within 24 hours, I 'm out of luck according to XXXX. Afterwards, I 've contacted the merchant directly to see what can be done. The merchant stated that they though it was a strange transaction because it was done very fast, the customer picked the best tier package, and the location was for a low-income area, which is inconsistent with similar orders. He nevertheless proceeded with the transaction. Both me and the owner of XXXX filed a police report. XXXX claimed that they ca n't return the funds because then they will be at a loss, and that I should pursue the issue with my bank. As it currently stands, I 'm out almost XXXX XXXX dollars, and my bank is refusing to reverse the charge on the basis that it was reported more than 24 hours afterwards. I have never heard of such a policy, and do not believe I ever signed any documentation stating such a policy. In all my experience with financial institutions, I 've had a month or more to dispute charges. Not everyone checks their transaction history online, some still receive paper statements, so I can not understand how such a policy is even legal. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax has XXXX Bank XXXX credit card account still listed as open and showed a 97 % utilization high rate that is bringing my rate down. XXXX XXXX showed this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Mortgage debt) with Aldridge Pite, LLP (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: All actors have been fired, yet still, the agents and actors are attempting to extort monies and property from me. In addition, all alleged debts, have been on national level, released, see 2nd attachment, on page 2, A5 highlighted in red for easy detection, " XX/XX/XXXX, 2017 : XXXX/XXXX is accepted worldwide and new elections will be announced replacing the removed dark ones with the introduction of Common Law in governments and courts everywhere. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (Credit card) with Eltman Law, P.C. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My bank account is frozen and I was never notified of a court datefrom the debt collection company or from the bank and they are refusing to send me any copied of the paperwork from either company

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. Under Consumer Financial Protection Bureau ( " CFPB '' ) complaint number XXXX, FAMS stated that they did not contact me after XXXX XXXX, 2015, which was a flagrant lie and a flagrant violation of the Fair Debt ColIections Practices Act. I have attached a letter from FAMS where they confirmed they tried to call me on XXXX XXXX, 2015, even though they had received a written cease and desist letter from me in XXXX 2015 and another one in XXXX 2015. Both of which were logged in the CFPB complaint system and were in writing. In addition, FAMS again lied under complaint number XXXX, where they stated they had n't contacted me after XXXX 2015, which was another lie, as I have the phone records of FAMS calling me on XXXX XXXX, 2015, in addition to FAMS ' own written confirmation that they contacted me on XXXX XXXX, 2015. FAMS is engaging in deceptive debt collection practices, and their frequent misrepresentations are flagrant violations of the Fair Debt Collections Practices Act. In addition, their contact and their harassment after I had sent them written cease and desist letters has caused me severe emotional distress and health related issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I called Navient to reapply for the Rate Reduction Program I have been in for three years and was denied because of my cosingers information. My cosigner told Navient he is retired and does not have any income, in addition he does not have any social security money coming in as he is not yet XXXX. I have paid the amount due on my loan faithfully for three years and have never missed a payment. If my cosigners are retired and have no income, they can not pay their bills and afford to help me pay mine, which is what my cosigner explained to Navient. I am trying to give Navient money for my loan, but they are making it incredibly difficult to do so. I have been in this program for three years and have never had an issue reapplying.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eagle Accounts Group, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've disputed child support enforcement account # XXXX going on 5 times before, I 've provide full official documentation from my county clerks office, the official account history keeper, showing every payment I 've made since XX/XX/XXXX-XX/XX/XXXX without missing a single payment since the day I was ordered to begin paying child support, XXXX and XXXX, have fixed the account listed above accordingly and in my favor since I have proof, XXXX seems to not care about my proof and has failed to fix this issue. There response is always we are working on it or the documentation you 've provided is not sufficient, how ca n't it not be sufficient when it comes straight from the XXXX county Clerks Office. Please help, I 've attached complete 7 year history of payments from day 1 till now, plus a separate month statement XX/XX/XXXX to be exact, according to XXXX I failed to pay on that month, and lastly a couple transcripts from web chats with child support agents, where I clearly state my case with them about this error and they acknowledge no delinquencies on my account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (KS).
Issue: Account opening, closing, or management

Complaint: I occasionally use my Ebay account to purchase items over the internet. Since I 've had horrible results with Paypal in the past, I 've set my Ebay account preferences to always default to using my XXXX XXXX as the form of payment. 
On XXXX XXXX, of last year I purchased XXXX, minor sewing machine parts from a single vendor, via Ebay. The order totaled {$38.00}. I made a payment to my XXXX card to cover it, and thought it done, until this week. 
I received a paper statement from Paypal, telling me that only XXXX of the items was charged to my XXXX, and that the other XXXX were charged to Paypal credit, totally unbeknownst to me. I do not have a Paypal credit account, never wanted XXXX, and never agreed to the terms of XXXX. They 'd been charging me 100 % /month late fees, for three months, and that my account was now overdue, and I now owed over {$100.00}. XXXX one hour phone calls with Paypal, and XXXX with Ebay, failed to rectify this, with Paypal insisting I pay the total balance now due. 
I refused, and sincerely hope you stop Paypal from using it 's insider/subsidiary position as the processor of Ebay credit card purchases to poach credit customers from other, legitimate credit card companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Sent my first formal complaint letter to Capital One back on XX/XX/XXXX requesting to move the inaccurate 30 day late from XX/XX/XXXX on account # XXXX. I sent it via USPS Certified mail ( # XXXX ) and also stated that per FCRA sections 611 ( a ) ( 1 ) they were to respond to my request within 30 days of receiving my request. I never got a response back from them, not within the 30 days that I sent out that letter. even used USPS tracking and have confirmation they received my letter, properly delivered to them. I wrote them another letter on XX/XX/XXXX and shortly after got a letter from Capital One saying they did n't know what account it was, and I did n't give them enough information in my dispute. My account 's late is still reporting inaccurately and negatively on my credit report and they are in direct violation of the FCRA. I do not want to keep writing dispute letters to them and re-sending the same documents and proof of my initial request sent via certified mail.

Company response to consumer: Closed with explanation