milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I was dealing with Pacific Union ( my current lender ) on a refinance, but the original lender who did loan to help me buy the home offered a better deal so I decided to go with them for my refinance. The only caveat was that Pacific Union was offering {$0.00} to close because they were netting my escrow balance toward my payoff amount. When we tried to get a copy of the netted payoff for my other lender to use, I was told by multiple employees on multiple calls that they were sending it but it never came. Finally I got a manager on and they said they never send these and absolutely refused to cooperate. The escrow funds are XXXX % my money, not theirs and they have no right to discriminate in using it to reduce their internal payoff ONLY if they are doing the loan. I need you to please contact them and push them to send the net funded payoff to my fax at XXXX to help me get my transaction closed ASAP. They are putting me in a position where I am risking getting a 30 day late. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I continuously try and pay my student loans with Navient.com, but everytime I go online or call to pay my loans it says my balance is {$0.00}. I know I owe at least {$48000.00} approximately. I am getting very frustrated trying to pay when I am unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Mortgage debt) with Shellpoint Partners, LLC (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX continues to attempt to collect a mortgage debt which was discharged in my bankruptcy several years ago. They have been told repeatedly that the debt was discharged, but do not stop trying to collect from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I applied for an auto loan and authorized only XXXX XXXX to pull my credit. I had XXXX companies later pull my credit that same day. I provided no authorization, asked for proof, and then contacted the CB to see if it was from dealership or individuals. No information could be given. I was unable to dispute through any phone or online channel. I did not apply for credit and the hard inquiries in the last 6 months at each credit bureau should be removed except for the XXXX XXXX inquiry. All other inquiries were done either by an individual or dealership without my authorization. No new loans have shown up at this time but I may be a victim of identity theft or improper authorization. Not one of the credit bureaus could assist by phone or online. I purchased a vehicle from XXXX XXXX and I approved the quote from XXXX XXXX who then verified my credit and approved the loan. I should not have up to XXXX inquiries at each of the bureaus for this. request each bureau delete the unauthorized inquiries in the last 12 months or provide me with written proof that I authorized each bank to pull my credit. The only authorized inquiries in the 12 months are XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Well i had a checking account with fifth third bank in  XXXX  Michigan. And i had a overdraft go through because theyed payed a bill earlier than the date i set up on billpay. So it charged me  XXXX  dollars so i called and asked what happened and they said that the pitcular bill is sent out through the mail and they dont have the control of when it gets there. But they said they would refund the  XXXX  dollar overdraft fee. So they asked if i wanted a overdraft protection i said no i will just pay my bills a different way. But then i went on my credit report and it said fifth third bank has removed there inquire. So i called and asked why they looked up my credit report they siad they didnt but he will look into it and call me bac k 2  weeks go by and no call so i go in there to close my account and the guy heard me from the office and comes out and said just come with me and brought to the top person in charge a women. And she said  XXXX  you wanted to apply for a credit card and i said no i didnt she said i have it on file. So i said show me and she went into her computor and couldnt find it so she said well it is on paperwork so went into her desk drawer and went through two months of paperwork and couldnt find anything and said i guess you didnt. I dont know what to say she said. Now i definitely was closing my account and a few days later i get a letter from them with a new debit card saying they had a security breach my information maybe compromised here is a new card. So i just want this on file so they dont do stuff like that. Compromising my credit info.i had been there for two years and never had a overdraft or a credit card through them. So i dont understand shy you would operate your business like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The collection files are third party account that are from Fraudulent account. The account was removed for fraud in XXXX of 2014. I do n't know how the accounts was resubmitted to my report. The accounts should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Medical debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After receiving a discharge letter from this company since this was a result of a missed appointment with a company i never signed paperwork with and refused to pay since I was under no contractual obligation to show up the company continues time and time again to place it on mt credit in hopes i will pay it. Extortion for a debt I do not owe. They are ruining peoples lives doing this. Please sanction this company from doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with SYNCHRONY FINANCIAL (KS).
Issue: Closing/Cancelling account

Complaint: In XXXX, we decided to buy a bed from XXXX XXXX out of XXXX, KS. We ordered and paid roughly {$7000.00} ( {$4600.00} from debit card, balance on Synchrony XXXX ). The bed was never delivered, therefore I cancelled the order. I cancelled the order and closed the account in XXXX 2015. After 2 weeks, I got a bill in the mail for the entire amount. I called them again and they would credit the account in full. I asked them a XXXX time to close the account. After about XXXX minutes, and alot of anger, they closed it. a few weeks later, I got another bill in the mail. This time it was for about {$1100.00}. They were still billing me or shipping charges, restocking fee, etc. I called them yet again, asking how they could charge a CLOSED account, they said it was their right. I explained in detail what happened, talked to XXXX seperate supervisors and finally got someone with some force behind them.they told me I still was responsible and they would not close the account until it was paid in full. I took to social media at that point. I vented my frustrations, they gave me the " SORRY YOU ARE HAVING A HARD TIME '' speech. A lady from XXXX XXXX called me after reading the comments on XXXX and looked into the charges and credited the account. I requested yet a XXXX time to close the account. She said the account was officially closed. 

Low and behold, I got a statement in the mail 2 days ago. My question to them was " WHY AM I GETTING A STATEMENT ON A CLOSED ACCOUNT? They are refusing to close the account. I need this taken care of. I can provide the account number if needed. I checked my credit report and it still shows as an open account. HELP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (DC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2017 I received a call ( first contact ) from IC Systems on behalf of XXXX. They provided incorrect information about my cancellation date and associated charges. On XXXX I submitted a formal written dispute, including proof that their information was false and requested that the debt be verified. The letter was sent via registered mail and received on XX/XX/2017. I did not receive any response. Instead they reported and unverified delinquency to the credit Bureau and violated my fair credit reporting rights.

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 04/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is still ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX has been reporting negatively with different information on each of my credit report XXXX open XXXX/XXXX/XXXX reported- closed charge off update XXXX/XXXX/XXXX Equifax open XXXX/XXXX/XXXX reported closed charge off update XXXX/XXXX/XXXX XXXX open XXXX/XXXX/XXXX reported closed charge off update XXXX/XXXX/XXXX XXXX XXXX keeps reporting the account as active when file a dispute with credit agency when is incorrect. they also send different information to different credit agency which is not consistent. the account has been closed for more than 7 years yet they keep sending incorrect information causing a loss of 80 points on credit report. This company keeps reporting to credit agency as if the account has activity which is does not since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen has been very hard to deal with. There is no communication between their different call centers. My home is at stake and I still have no clue who is managing my case. 

As per final order. 
1. Ocwen has not provided a SPOC2. Ocwen has not facilitated loan modification NPV values. 
3. Ocwen removed access to online e-submission portal4. Ocwen did not provide an independent reviewer. appeal is directed to ocwen. 
5. Ocwen did not provide NPV values on denial letter. 
6. Ocwen has very limited communication between its parties including law firm, law firm was called for contempt for missing and ignoring my communications as per judges orders. 
All I want is my modification approved and be able to keep my house for my family at a reasonable payment schedule. My hopes are on the ground in dealing with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a collection account with Portfolio Recovery Associate 's for a credit card I had with XXXX XXXX. I had got a call from the collection company on XXXX XXXX about my account. we had talked for a few minutes and they tried to lower the total cost for me if I would set up a " good faith payment '' is what they called it. they told me they could lower the debt to {$620.00} and I let them know I could do {$100.00} next Friday which would be on XXXX/XXXX/15. They agreed to that. well I checked my mail on XXXX/XXXX/15 to find a letter from them stating per our conversation over the phone on XXXX/XXXX/15 they would automatically withdraw {$690.00}. I was very shocked to find this because I had never agreed to such a thing. I automatically called them to let them know this was not what had been arranged. I had to be transferred from person to person about 7 times, one man told me he would listen to the call and then give me a call back which he did and still insisted I had agreed to this. I requested to speak with the person above him. I was then placed on the phone with the assistant vice president who said she would listen to the call recording and call me back, I got a call hours later stating that they would be returning the money if it did go through. It has gone through my bank and I have already filed with the claims department that this was not authorized and should be resolved but could take days and I have other bills to pay and groceries I need to get. I feel that Portfolio Recovery Associates thought that by sticking to saying I agreed to this amount and transferring me so many times that I would eventually give in and let them keep the money and I would just end up paying all the overdraft fees and overdrawn money back to my bank but they do n't care because they have their money now. the way they handled everything was very unprofessional and I am so unhappy with them. I really was hoping to start making monthly payments to finally pay off this debt, now I have lost trust and faith in them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Medical) with E. A. Uffman & Associates, Inc (LA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received threatening letter stating that the collection agency would consider going after my tangible assets for an old medical bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Midland funding llc refuses to take my payment in full citing an agreement entered into with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I live in XXXX XXXX MD, I'm a single mom of XXXX. I was laid off in XX/XX/XXXX from a company, that I was employed with for 20+ years. I lost my home I lived in for 6 years with my children, it was my primary residence. We had to give up the family pets. 
My children and I have nowhere else to go but to become XXXX. 

My children and I have been through a lot. I have tried to keep a stable life for them over the years. I have lost that special bond parents have with their children because I had to constantly, keep a roof over their heads. It hasnt been easy but I never given up. I paid {$20000.00} down on a home and the person stole the money and disappeared. Now because of me being laid off I started to have problems with the bank even though I paid my mortgage and my home was sold wrongfully. In trying to obtain gainful employment the social security administration somehow messed up my information causing me to become unemployable. I'm still fighting this issue but I am working since XX/XX/XXXX. I have worked hard to get this house but unfortunately, I lost the battle to Wells Fargo. They know how to lie and create invisible documents.. Before, losing my job I would pay my mortgage twice a month before the mortgage was due. 

I would be very appreciate of the help. I am willing to help anyone I can so please keep me in mind all the time, if someone else goes through this same problem. I am a proud mother and person I would never asked for help but I have no one to turn to solve this problem. I would like help to buy a home free and clear with no bank or mortgage company. Ill appreciate any assistance or amount for this. Thanking you in advance for any help you would be able to help me with. 

Please help. 



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 01/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had multiple removals on my credit report and then noticed that a few of them had been reinserted without notification within 5 days via mail that this had occured. I require that these reinserted unverified items be permanently removed as this is in violation of section 1681 of the FCRA. An online alert letting me know 2 weeks after reinsertion is NOT sufficient and this must have occurred via USPS mail. No notification via mail was received and these items must be removed. 
On XXXX XXXX XXXX I only had XXXX negatives remaining after the rest had been removed : Vertans admin ( XXXX ). 
On XXXX XXXX, there were now XXXX accounts : XXXX, XXXX ( XXXX ), XXXX On XXXX there were now XXXX accounts again : XXXX, XXXX, XXXX, XXXX ( XXXX ) This is an illegal practice and these items must all be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Payday loan debt) with Cottonwood Financial Ltd. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: CAS STORE ALOTTED ME A LOAN IN XXXX, I THOUGHT I PAIA IN FULL THE BALANCE! 

CASH STORE SOLD THE DEBT TO XXXX XXXX XXXX IN XX/XX/XXXX AFTER SOL EXPIRED IN ILLINOIS. 
ALSO WENT ON MY CREDIT REPORT W/O VALIDATION AND CALLED MY DAD 11 TIMES OVER 45 DAYS.. 

THE COLLECTOR VIOLATED FCRA, FDCPA AND TCPA ALONG WTH COLLECTING ON A ZOMBIE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold to Seterus Inc . Shortly before we filed Chapter XXXX Bankruptcy. From the time it was sold, we have had a very difficult time getting any information regarding our loan. Immediately upon filing Chapter XXXX XX/XX/XXXX, our XXXX sent over authorization ( as requested by Seterus Inc. ) so they could speak to us regarding our account. It has been over 4 years and our Lawyer 's office has sent the required paperwork for them to discuss our account and send us the necessary documents so that we can continue making payments on our account numerous times. It has been sent to the addresses and fax numbers requested, yet every time it never " shows up in their system ''. We are expected to send payments with little to no information of our account status or amount actually due! On XX/XX/XXXX another letter was sent to the number provided by the Bankruptcy department, and they claim it still was not received. We faxed the letter to them directly today, and now are being advised that they have no way to verify they received the fax. They also claim to have no one to call to check to see if the faxes have been received after having to deal with this for several years. It is extremely difficult to maintain an account in which we have little to no access, except being told to send a payment! The fax numbers we have sent the letters to are XXXX, and XXXX. Both have been verified as correct fax numbers, yet paperwork is never received and there is no one we can contact to verify a fax comes through.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Other transaction problem

Complaint: i sent a western union on XXXX-2017, i received call from receiver money was refunded, it was sent to XXXX to pay for hotel, tracking # XXXX, i called western union they say it was refunded, i will pick it up tomorrow, i like to know why was money refunded, because i sent money before with no problems, my name XXXX XXXX, email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX XXXX, I was surprised to find a collection entered on my credit report from Gold Key Credit , Inc. when I did n't have any prior notice, warning or communication that this debt was subject to or nearing collection efforts. At the very least, I would have attempted to settle the debt after confirming ownership to avoid this from hitting my credit report. I received a piece of mail on XXXX XXXX, XXXX from Gold Key Credit , Inc. requesting payment. According to their records, this debt occurred in or around XXXX XXXX. I was hospitalized for 5 days but XXXX XXXX XXXX XXXX reduced my debt to {$100.00} due to the fact that I was uninsured and unemployed. I can not confirm the validity of this debt as I was in a XXXX accident in XXXX XXXX and went to a different hospital, yet XXXX bills state I owed money to XXXX XXXX XXXX. The debt resulting from the XXXX accident has been paid through my attorneys and I produced documentation of payment to XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation