milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (WA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX serviced transferred a loan during a loan mod review 2 weeks before foreclosure deadline. We had been under going a review atleast 2 months 6 weeks before and file was complete. When we called Selene Finance whom the loan was transferred to, they said loan mod was denied and no time for any other options. I requested a last ditch effort to atleast help client get a short sale approved in order to avoid foreclosure, and they have never tried to postpone a sale before. This is their first Foreclosure date and we are asking Selene Finance to give us one shot at this. The seller is single, with XXXX kids, XXXX with XXXX, and they have nowhere to go. I 'm pleading your help to get Selene Finance to grant a short sale review and relocation assistance if possible she can qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
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: I have notified Capital One Bank that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Medical) with State Collection Service, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received early warning notice from collector. I called the collection agency and they I advised them that one of the bills was never sent to my health insurance, the young lady stated that they sent It to XXXX XXXX, I explained to her that I had XXXX at the time and provided the insurance information. She stated that they will not remove it from my credit report but will bill the insurance company and it may get denied for timely filing and if so then I will have to appeal it with the insurance company. I explained to her that they have 365 days from the date of service to send a claim and that at the time I went to the hospital I provided my insurance card and the hospital still submitted the claim to the wrong insurance company. I also told her that I never received and early warning notice in reference to neither of the bills, therefore not giving me a chance to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I am filing this complaint because Trans Union has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as possible. 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 06-03-2017 about Debt collection (I do not know) with Radius Global Solutions LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have as ked Central Credit Services to not contact me via telephone and send all correspondences through the mail. Th ey continue to harass me by phone every single day, several times a day, to collect on a supposed debt.     I have also as ked Central Credit Service s  ( three se parate times now ) to provide me with proof of debt, but no such proof has ever been mailed to me. They continue to call without providing any debt validation and they continue to harass me when I have asked them several times to not contact me via phone.     The first time I call ed Central Credit Services to ask fo r proof of debt in the beginning of this year, the female representative who refused to give me her name used obscene language and told me, " I do n't give a  XXXX  what you say   XXXX  , you owe this money. '' For these reasons and more, I belie ve Central Credit Services is  attempting to collect a debt that does not exist given that they are unable to provide me with proof of debt and refuse to follow FTC protocol and industry standards.

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 06-11-2016 about Credit card () with CITIBANK, N.A. (KY).
Issue: Payoff process

Complaint: I paid off my Macy 's American Express credit card XXXX 2015. The card had XXXX lines and I sent XXXX separate bank cashier checks. XXXX 2015 I checked account to make sure payment had been applied. Both lines had been closed yet payments not applied. I spoke with customer service and faxed copy of both cashiers checks that had cleared bank in XXXX 2015. One payment was applied to the store line of credit but the Amex side has still not been applied 7 months later after numerous faxes and calls to company.

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 monetary relief
Consumer complaint received 12-10-2017 about Debt collection (Medical debt) with Green & Sons Agency, Inc. (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I made every attempt to contact XXXX XXXX XXXX with no response. I responded to one letter they sent me stating they are trying to collect on an invalid debt with no response from them. I have even written a letter to their attorney explaining the situation with no response from them either. The debt they claim I owe is completely invalid and will not be paid to them under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Second complaint against XXXX Bank. Disputed information on my XXXX report and XXXX had both accounts in question deleted. Same dispute sent to Experian. Received results and only XXXX account deleted and the other XXXX updated. Called Experian to find out why. Representative there said that XXXX told Experian they " just wanted to leave that account on my credit report ''. Again, same accounts were deleted with XXXX and should be with XXXX as well. XXXX is not consistent with their reporting practice and is in violation of the FCRA and FDCPA. I will file complaints with FTC and state attorney generals office after this complaint if it is not resolved immediately

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was mistakenly reported 30 days late and 60 days late by my mortgage company due to their payment address change and failure to notify me of it. Also, the credit union had a grace period which I fell under. 

I sent a letter in XXXX asking to please have this fixed soi can buy a new home, the 2nd letter I sent certified to ensure delivery. Still have not received anything back or updates to fix the problem. 

My bills are paid on time, and I send checks via mail, this was a minor mistake on the banks part in not notifying me as well as the bureaus for not fixing this issue promptly. I need some help to get this fixed. Thank you 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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have filed multiple disputes over the year to Experian that they have my bankruptcy listed incorrectly and they need to remove it. Every time they come back with the company that does the investigations for them says it is confirmed and it will be updated and stay on my report. However, they do n't do any updates and keep the same information. The whole problem is that they have me down as filing bankruptcy for {$0.00} when I filed for a lot more then nothing. I have sent them documents and still the same results. I am about to file a law suit if they do not take it off. The other two credit bureau 's have followed suite and removed it.

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with : XXXX XXXX XXXX OR XXXX XXXX XXXX. I DO NOT have a signed contract nor ANY contract with XXXX XXXX XXXX OR XXXX XXXX XXXX. I have the right to demand a to see an original signed contract between XXXX XXXX XXXX and myself and XXXX XXXX XXXX and myself. These contracts do not exist, the accounts are unverified, and hurting my credit report. Therefore, the below mentioned accounts MUST be removed from my credit report immediately. XXXX XXXX XXXX, {$520.00} XXXX XXXX XXXX, {$570.00}

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 05-04-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Trouble during payment process

Complaint: On  XXXX / XXXX / XXXX  my mortgage servicing compa ny ( Ocwen ) received my cashier check in the   amount of {$14000.00} which was applied toward the period of  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I had received a notice of default from the company for that period. As instructed by the company, prior to submitting my payment, I called to verify the EXACT AMOUNT past due on the account. I was told to send a bank check in the amount of {$14000.00} which was the exact amount needed to bring my mortgage current to  XXXX / XXXX / XXXX  and was received b y Ocwen  on  XXXX / XXXX / XXXX . I sent my check  XXXX .  XXXX  in the amount of {$20000.00} under separate cover which the company received and applied accordingly for  XXXX / XXXX / XXXX . I specifically asked for the exact amount that would be due for  XXXX / XXXX / XXXX  and was told {$20000.00}. I was assured there would be no additional charges. When I received my statement for  XXXX / XXXX / XXXX , there was a total amount due of {$4200.00}  ( {$ 2000.00} for  XXXX / XXXX / XXXX  and {$2200.00} listed as past due fees/other charges. I wrote a letter to the company requesting an explanation, and was told these fees were from servicing fees incurred in  XXXX  whe n Ocwen  acquired the loan from Homeward Residential. I am not in agreement with these additional fees and respectfully request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: After multiple requests to cancel pmi, Wells Fargo refuses to act. Our home mortgage is less than XXXX % LTV of original purchase price and original loan prior to streamline refinance was originated in 2004. Wells Fargo is also unwilling to allow a new appraisal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Credit information was lost in national breach. There is no way around not having all your information automatically reported and out there to be stolen from negligent reporting agencies. Freezing your credit report should be free. There should not be a fee to protect yourself, especially with as little care as these companies have protecting your data.

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 04/26/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I have tried feverishly to maintain my current loan. I have tried bankruptcy, loan modifications, and  NACA. I a m at my wits end. My original loan amount was {$130000.00}. Due to late fees, missed payments and the company 's unwillingness to lower my interest rate from  8.25 and a monthly mpi of {$800.00} I can not afford to keep my home. My problem s began in   XXXX   and since then no one I mean no one has been able or willing to give or find an affordable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Mages & Price LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was not advised this debt was in collections. No one called me and I did not receive anything in the mail. I do not feel I owe this to the provider.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MT).
Issue: Taking out the loan or lease

Complaint: In XXXX 2015 Wells Fargo Dealer Services issued a 10 day pay-off statement for a car loan that was traded-in to a small dealer. The loan payments were being made via the internet until I moved to another state and could no longer access the on-line WFDS account. I contacted them several times to explain the log-in issue with no resolution. I made the payments in person at the local bank. After accepting the pay-off WFDS refuses to release the lien ; they want more fees totaling approx. {$240.00}. When I question what the fees are for ; no one can tell me. I 've passed around to numerous people who refuse to give an Ext. Spoke to the local Branch Manager of WF who was not able to get anywhere with WFDS. I was told more than 2 weeks ago that the issue would be escalated to a Supervisor and have never heard back from anyone. The title is sitting at the local County office and the car can not be re-sold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2017 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a credit card today from XXXX ' Synchrony Bank that I did not apply for. When I contacted Synchrony Bank 's Fraud department, they refused to cancel the card unless I would give them my social security number. Since I do n't know the " bank '', I am not giving them any personal information other than the card number I want cancelled. They told me to research them & then call back when I would give them my SSN #. Possible identity Theft?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I submitted my IBR application online before my application deadline. I was prompted to print out and send in the form and income verification. I contacted FedLoan to ask where to send the application/verification, but I never received a response. I followed up by calling their customer service. The representative told me that my application had been received and that I only needed to upload my income verification. I uploaded the verification and later received a response that my application for IBR was denied because the form was expired ( despite it having an expiration date of XX/XX/XXXX ). Upon contacting customer service again to ask about the denial, I was told that my application could not be submitted online ( despite the first customer rep telling me that my application was received and that I only needed to upload my income verification ). I immediately uploaded a paper application and verification. Unfortunately, they processed my application after the most current billing cycle ( XX/XX/XXXX ), leaving me on the hook for a student loan payment XX/XX/XXXX that was 3 times my normal payment. The IBR application only applies to the XX/XX/XXXX bill and forward. I contacted customer service again, and they told me there was nothing they could do about XXXX 's payment. They blamed me for not uploading my paper application until after XXXX 's bill was generated. I explained to them that the only reason the paper application was not uploaded originally is because 1 ) they never replied to my message asking where to send the application and ; 2 ) the first customer service rep I spoke to told me that they had received my application, indicating that there was no need to upload it, only that I needed to upload the income verification. Their solution was to put my account in administrative forbearance for XX/XX/XXXX. I agreed, as they told me there were no other options. However, that means that more interest is accumulating while the loan is in forbearance. I am also seeking PSLF, putting my qualifying payments one month behind. I can not help but think that the process is deliberately confusing and that their reps are encouraged to make it even more so, so that the company makes extra interest on the loan while it is in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: did not authorize inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I can not believe Equifax Solutions, They have the worse customer service and they are reporting for the Business. I found out that they are reporting commercial card that is not mine on my Business Profile as Delinquency 5 times and wo n't give me the company name or number. The account number or the balance on the account do not match any of my credit cards or loans. This is a error that stop peoples bank from getting me funding. I ask to speak to the supervisor XXXX to find out why I can not find out more about this account by becoming a member online. The supervisor told me they will charge you {$99.00}, but you will only get a summary of your account, but it still wo n't let you know what company is reporting that information so I can contact them personally to resolve this issue. XXXX also said you have to wait 10 days for your credit report by mail before I can do a dispute. XXXX said because of there policy if I do n't have the credit report we can not give you any information on this account. Then I told XXXX that is why I ask to open an account online so I can access my report right away. So I can resolve this myself because this is a error because I do not have any accounts that match what they are reporting. I am so disappointed in this Equifax Business Solution reporting agency. They aloud a company to report of my Business profile, and charge company to see their profile but if there is a problem there is no way to contact the company who is doing that making it a scam. On my personal credit account with Equifax I have access to all my accounts company name and contact number. Why would Equifax not do the same for the business makes nosense, They should not be charging or reporting on business if they going to be onesided. This is my business they have no right reporting false information and not giving me the company that is doing and saying it is not there fault it is there policy. This is stopping me from getting funding and it could take up to 60 days when I could have resolve it right away by getting a letter from the company to give to peoples bank so they can give me a past on this error. And also do a dispute right away base on the information that is clearly on my report. Error like these can take me out of business. Small business need funding. I attached the email from peoples bank showing the account from Equifax business solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (ND).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I had a credit card through XXXX who in turn went out of business and was bought by orchard bank. I filed bankruptcy in 2009 and both these accounts were listed in the bankruptcy. XXXX XXXX then sold an account that was legally discharged to XXXX XXXX XXXX. They in turn sold it to Portfolio Recovery Services, who has been harassing non-stop to collect the account. I do not owe this account and they are the ones that purchased the account that was not even valid.

Company response to consumer: Closed with explanation