milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Dear XXXX, RE : XXXX XXXX XXXX On XX/XX/XXXX we were affected by XXXX XXXX due to 45 inches of rain in 3 days in XXXX XXXX Texas.Not only has the Governor of Texas issued a Emergency Declaration but The President has signed into law an Emergency Declaration and my county fell under this declaration and protection per XXXX. 

I have a XXXX backed mortgage that is under protection of a 90 day moratorium as indicated by the HUD.gov website on any foreclosure related activity from that date onward until XX/XX/XXXX and possibly further. 

My loan servicer, Carrington Mortgage Services is aware/notified of the disaster, that my county falls under the declarations scope by XXXX ( XX/XX/XXXX ) and myself ( XX/XX/XXXX ) as well as the 90 day Moratorium. 

I received a Certified Letter from XXXX. dated XX/XX/XXXX on XX/XX/XXXX threatening foreclosure. 

Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with 4M Collections, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX companies reporting same information on credit report, entered into a payment agreement with XXXX Ca. on XXXX/XXXX/2016. They are accepting my credit card payments directly to them, therefor discovery financial has no right to report same information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Money transfer, virtual currency, or money service (Check cashing service) with WELLS FARGO & COMPANY (NC).
Issue: Confusing or missing disclosures

Complaint: BANKS OF NORTH CAROLINA N  C General statute article 22 53-282 ( b ) The licensee shall ensure that each customer cashing a check shall be provided a receipt showing the name or trade name of the licensee, the transaction date, amount of the check, and the fee charged.
( c ) A licensee shall ensure that in every location conducting business under a license issued under this Article, there is conspicuously posted and at all times displayed a notice stating the fees charged for cashing checks, drafts, and money orders. A licensee shall further ensure that notice of the fees currently charged at every location shall be filed with the Commissioner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was offered a letter from XXXX XXXX to pay my account for the amount t of {$350.00}. I advised the customer service representative if I go to XXXX XXXX I can make my final payment for the amount offered to pay in full, I would be in good standing and would not owe on my account. I have always made my payments to XXXX XXXX. The customer service rep states that would not be a problem my account would be in good standings with a XXXX balance. I also advised I had a death in the family and got sidetrack due to planning the arrangements. I paid the payment, and ask the customer service Representative if she could waive the late payment as a courtesy the rep said she would and I was at a XXXX balance. I also let the customer service rep know that I would be moving out of county and that is why I wanted to pay my account off in full, so I would not have to worry about any bills due. Fast forward a XXXX years I have a report from XXXX XXXX I owe them more the {$700.00}. I called them regarding this matter and they would always advised me they could not assist me since the account was sold off and would have to contact the creditor that purchased my account. I called each creditor and was given the run around stating they could assist me since the account was sold to another company. I submitted several documentation stating that I paid my bill and submitted proof of payment from my checking account and also submitted documents from XXXX XXXX I had a XXXX balance the late fee should have been processed and taking care of by the customer service rep. I tired to do the correct steps to issue this off my credit report. Can you please update my credit report since I do n't owe any balance to XXXX XXXX or any other creditor. Can someone please call be back with an update of my case when this is removed off my credit report. I also submitted more info to the creditor with the documents that can support this claim and complaint. I do have the documentation to submit to you, but my system does not allow me to attach the sheets. Can I please forward them to you using email? 

Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Bank account or service (Savings account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: I closed my accounts, both checking and saving, with Citi on XX/XX/XXXX at a branch in XXXX, but was notified on XX/XX/XXXX that my saving account was still open and that there was some leftover fees. I believe this was a mistake which should have been handled properly on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I filed a complint against Bank of America for some late reports on my credit, acct XXXX, they did resolve that with the exception of one from XXXX 2015. I have tried disputing and contacting company but unable to obtain verification as proof the payment during that time was late and the credit bureau almost immediately reports information accurate. My other issue, upon Bank of America correcting the other late charges they provided the credit bureau with addresses that I have never resided without my knowledge, consent or confirmation. I inquired with the credit bureau XXXX XXXX how they allow for someone or any company to report unverified information on a person and they reflect it on the account. The response from the Rep. is they only document what is provided to them and they do not verify or request any verification of information reported. This act from Bank of America and XXXX XXXXCredit Bureaus was fraudulent, inaccurate and deceptive, specifically for others reviewing my report for credit. To report inaccurate, unverified information should not be allowed and there should be compensation. I contacted the XXXX and the information was filed, but it is unacceptable for an Credit Bureau to report any information given to them that has not been verified or even documented by the person being reported on. This is an unfair practice and intentional malice to lower or ruin someones credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: its the same old thing with EQ. i dispute an item on my CR and EQ does no investigation just verifies the information. Sent in paperwork proving item was removed off CR in XXXX 2015, but showed back up 6 months ago. i guess there is no law requiring them to investigate or forward info to credit furnisher. i hear there are really no laws about investigating disputes. the system is automated and ran on computers that are outsourced to other countries. the XXXX credit agencies are worried about ID theft yet outsource to XXXX known for id theft. to save a few bucks EQ puts my info into foreign peoples hands. i hear these investigations are never looked. my complaint is that EQ do a real investigation. that " XXXX. '' DELETED COLLECTION OFF CREDIT REPORT THEN REINSERTED A YEAR LATER WITH NO STOPPING THEM BY EQUIFAX AND NO COMMUNICATION TO ME. I DISPUTED A FEW MONTHS AGO. VERIFIED IN 1 DAY. SOME INVESTIGATION!?!? IM A XXXX VETERAN AND ITS DRIVING ME CRAZY TRYING FIX MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I am being harassed by XXXX ( XXXX XXXX XXXX XXXX XXXX ). I have told them that I am dealing with the forbearance request and to stop calling me. They call me on my cell phone 3-4 times per day after I told them to stop. Sometimes when I answer the call they just hang up on me. I am very frustrated with this distraction in my life and wish they would stop harassing me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: After retaining counsel in XXXX of XXXX due to contact by XXXX XXXX XXXX a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with XXXX XXXX XXXX in XXXX OH. I am on XXXX, as my only source of income. 
Being a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my XXXX barely covers my monthly overhead. 
Efforts by Attorney XXXX to reach XXXX XXXX at XXXX XXXX XXXX to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. 
A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - XXXX XXXX XXXX has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Other debt) with MRS BPO, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Was receiving text messages from them about a cable bill almost daily ... .. Sent a cease and desist letter to them.. The letter received by someone, opened and read, and was sent back to me as if it didn't make it to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I spoke with & Paid XXXX ( Diversified Consultants ) {$380.00} settle amount on X/XX/17 at number listed XXXX. Although, this bill has been settle and paid It is still showing on mt credit report. I just do n't understand why do I keep getting the run around when I call to see who can help me get this removed because Diversified Consultants states the account has been closed since the payment went successfully and that the credit companies have not updated the information on there in. I was blessed with the money to do my part but noone wants to do there 's. I have attached the receipt from the payment I made & the confirmation letter that was sent from Diversified Consultants stating that it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (I do not know) with Penn Credit Corporation (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Recieve 3 to 4 calls a day from Penn credit cor # XXXX while we at work. Called XXXX and I finally answered the phone VM instantly says " if you are the person press 1 '' never said a name. I hung up and called them back, got a young lady on the phone, who wanted me to give her my info., she did state that we are on a recorded line, but never gave me her name. wanted my address, gave her a fake address cause I KNOW I DO NOT OWE anyone -- my bills are paid on time and if not on time EARLY! Gave her my real address and she stated that neither was on file and that they would remove my number. however, i got into an argument with the rep., and do not trust this company especially with all the reviews posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MO).
Issue: Loan servicing, payments, escrow account

Complaint: After selling and closing on a home in which Roundpoint Mortgage was the lender, it has been almost 60 days and I 'm unable to get a refund for the escrow balance left on the account. They have given me excuses that " the check is in the mail '', and " we need 10 business days to process '' and now they say they " need 20 days to process the check ''. I 'm getting a huge " run around ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I have a hard inquiry on my report from XXXX on XX/2015 that I do not recognize nor did I authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: URGENT - SHERIFF SALE TOMORROW - XX/XX/2015Hi. I was fraudulently turned down on a loan modification. 
XXXX XXXX is investigating the problems but I just called and he did not pick up. 
His voicemail says he will return the call within 24 hours and by then my home will be sold under a Sheriff Sale. His phone number is XXXX x XXXX. 
Please call him. 
Three weeks ago, I got a call from Wells, Fargo Home Mortgage that my loan was denied because it was over {$720000.00}. I applied on XXXX/XXXX/15 for a loan modification with a loan over {$900000.00} ( Wells, Fargo knew this and sent me the paperwork ). 
I called to say " how could this happen? ". XXXX XXXX told me I was grandfathered for the XXXX loan but the reason I was turned down was I did not provide a profit and loss statement for my real estate company. I do n't have a real estate company and no one contacted me about this. They just want to get rid of my home! 
Then, XXXX XXXX sent me a letter stating that she wanted to help me, but it is to late due to the Sheriff Sale. How can this be? The bank can stop the sheriff sale anytime they want to do it by just calling their attorneys. 
Then I got a call from XXXX XXXX and he said he is investigating the whole matter but that was just last Thursday and the Sheriff Sale is tomorrow. I do n't know what is going on but this in not right. He must stop the sheriff sale so he has the time to investigate this matter ASAP & gt ; Please help me. Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I believe my loans were illegally consolidated without my consent. I also believe that my loan company did not properly advise me on repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Credit reporting () with Credit Karma, Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I was unable to register for creditkarma unless I used my married name. I have been divorced for several years and I was n't even married long enough to need to legally change my name. There is also an address on my credit report that does n't even exist.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Violates Hippa and cra

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (VA mortgage) with BAYVIEW LOAN SERVICING, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Continuation from original complaint : XXXX. Reviewing the initial package we sent in and comparing with the latest requests in letter ( dated XXXX/XXXX/XXXX attached ), we had already sent in all of the documents that were being re-requested. I called Bayview to discuss as well ask a few followup questions on the latest request. The calls were placed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and again on XXXX/XXXX/XXXX without any reply. We could n't wait anymore and had to send in the requested info as stated by XXXX/XXXX/XXXX to meet the deadline. 

After at least 10 attempts to contact XXXX XXXX in a 2 week period, I submitted my initial CFPB complaint. I also sent him 1 last email on XXXX/XXXX/XXXX asking him to please reply to my email with a time that I could call his office to speak to him as he is supposed to be our 'single point of contact ' to which we have NEVER spoken to or been contacted by. This past Friday ( XXXX/XXXX/XXXX ) we received a series of confusing letters ( postal mail ) from Bayview that does n't quite make sense. They are attached. In a nutshell, there are 3 letters are dated on XXXX/XXXX/XXXX ... .oddly the date my complaint was filed that JUST ARRIVED Friday. Which tells me they were backdated. The other was dated XXXX/XXXX/XXXX. The XXXX letters state that the review of our loan modification was completed and it was determined that we were ineligible ... due to the fact that we did not provide the requested documentation by the deadline ( see letter & deadline of XXXX ). I can tell you 2 things : the woman I spoke with at Bayview the day I called ( XXXX ) informed me they DID received our information on XXXX. However, the information has yet to be reviewed and XXXX XXXX was in a meeting. 

The letter on XXXX/XXXX/XXXX states Bayview received our inquiry on XXXX XXXX, XXXX and a resolution date of XXXX/XXXX/XXXX has been proposed. Yet, I did not send an inquiry that date so they must mean the complaint that I filed. Had I been able to speak with our point of contact at all during this XXXX or any other time during this process, perhaps we could have submitted our information before instead of on the due date. 

I called 2 times on Friday ( XXXX/XXXX/XXXX ) after arriving home to these letters and can not get a single person on the phone. Nor, nor replies to my MANY emails.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been in a constant battle with Navient-Private loan for years. Ive been paying on my loans for years and havent seen my principle Balance go down. They cant send me promissory notes of the loans I have with them. Interest rates are ridiculous and customer service XXXX. Theres something that has to be done. Theyre getting over on people. There are some people that do try to pay back their student loans based off income and Navient doesnt negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Some time ago someone at a Creditor entered my name as XXXX XXXX XXXX vice XXXX XXXX XXXX an obvious typo. Also reported an Employer as XXXX XXXX, vice XXXX XXXX. Again a typo by someone doing data entry. For years I have received credit offers to XXXX XXXX XXXX. Tried of it and would like my Equifax Report corrected. I have contacted XXXX and they have corrected via their process. Hoping this works.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( Experian, XXXX XXXX  XXXX XXXX ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX list the amount owed as {$4200.00} ... 

XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....

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 12/18/2017 about Debt collection (Other debt) with Penn Credit Corporation (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was paid off last year and I was told it would be removed from all three credit report upon payment, but it still shows up on all my reports. The account was updated to show paid.

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