milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to complete a loan modification with my lender for 2 years and am continually lied too. They send me a letter, emails, and verify by phone that all the information has been received and under review and then a few days to weeks later I get a call that the information is not complete and I get denied. I have gone through this at least 3 times with the latest being today. I received a letter of denial because they claim the documents are not complete after I have received a letter stating it has all been received. Then I get a call from a new account manager telling me it is not and is completely unaware that the letter has been received. I respond to that via phone and the new account manager looks at the received documents and tells me it was his oversight and that they have what they need. About 5 days later I get another call from another account manager that is supposedly helping my account manager and he tells me that they need more documents, newer versions of what I already sent them because they took too long to review them. So, I submit them again and receive an email confirming they are received. 
Today I get the letter that states otherwise. I keep getting lied to and have done some research on my lender and this is business as usual for them. I need someone to intervene and keep them honest and force then to do what the government has put into place. I am convinced they are are more concerned with forcing me out of my home than working to keep me in it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: APR or interest rate

Complaint: I was approved for a XXXX XXXX Credit Card for XXXX limit. I bought a bed for around XXXX and was told they was no interest on the card. Each month I receive an email informing us to pay the minimum balance of {$25.00}. Each month I pay {$100.00} to get the debt down quickly. My balance went down to about {$200.00} and in XX/XX/XXXX I receive an interest charge of almost {$400.00} at 29.9 %. I am shocked as I have never seen this in any of the emails notifying me payment was due. I want to pay my original balance in full immediately and have the interest charges dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Medical) with United Consumers Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: United Consumers , Inc constantly attempts to collect debt from me when my insurance company ( XXXX ) already made the payment. I spoke to representative from United Consumers explained my situation and e-mailed EOB from XXXX but few months later I continue to receive letters from them. Agent from XXXX contacted United Consumers and faxed over EOB and I have asked United Consumers to setup a conference call between their client, XXXX and them but they refuse to do this. All they 're saying is they will send the EOB back to their client ( XXXX XXXX XXXX ) and go from there. I am very frustrated because this is just going in circles.

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 10/20/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There is a collection account on my credit report from XXXX. 
I never received a bill. 
I have dispute this on my Equifax report back in 2013. 
I sent a letters for validation and dispute and the company never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am contesting the account with SYNCB/WALMART. It is an account that was opened without my consent. It is showing a balance of {$660.00} with a {$490.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 136 % usage. I need XXXX and SYNCB/WALMART. to correct this account on my XXXX report. I should not oweSYNCB/WALMART. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.

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 04/15/2017 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: XXXX have a duplicate acct ln my report. Fifth third Bank checking acct XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR).
Issue: Settlement process and costs

Complaint: RUSHMORE LOAN MANAGEMENT SERVICES LLC / XXXX XXXX, Customer Service Representative. This business continues to contact me, about an account that was transferred to them from XXXX XXXX XXXX, this account is in dispute, due to XXXX XXXX XXXX not being able to provide the SIGNED documents on the XXXX XXXX XXXX REFINANCE, that was acquired by them in XXXX of 2008. XXXX XXXX XXXX ca n't provide the information on the XXXX electronic transfer of funds, which was part of the XXXX XXXX XXXX REFINANCE. This account is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Chase has charged me overdraft fees for transactions that appear from the day before, that does n't show up until the next day, but have yesterday 's date on them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2016 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Other

Complaint: I get a report of Having a J C Penney credit card who does n't belong to me but to my mother who pass away 2 years ago. I want this account to be closed and removed from my credits reports immediately. This account does n't belong to me please 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 02-11-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo Investigations : XXXX Claim # : XXXX Issue # 1 ) On Tuesday, XX/XX/2017 @ XXXX EST, a 3rd party was allowed to take money from my checking account without showing ID, no debit card, no PIN #, no security questions, and no signature. Bank teller # 2 appears to have filled out the withdrawal slip with my account number, name and amount and the 3rd party seems to have written an incomplete sentence instead of providing a signature for the withdrawal. The banks ' fraud dept. did immediately put the money back in my account upon me bringing this to their attention. The branch manager said that this crime was committed by someone within my personal circle. Issue # 2 ) Upon me filing this complaint with the bank, a CSR requested my PIN #. I informed him that that 's a security breach, he should NOT have asked me for my PIN #. He said that he needed for me to input it into the phone because he was trying to help me. I went to enter it and had to instruct him NOT to look, turn his head as I was entering it ... suspect # 3. He also sent me on a wild-goose chase at a different branck. When I ultimately landed back at his branch, he stated that it was all a mis-communication. I think he 's part of a fraud ring at that branch. Issue # 3 ) The branch manager told me that it was someone close to me in my inner-circle. When I asked her how she knew, she went silent ... suspect # 4.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, 2018, I mailed a letter to TRANSUNION disputing erroneous information I discovered in my consumer credit file that was publish for others to view by TRANSUNION. 
Under the FCRA act I expected TRANSUNION to investigate my disputes, delete or correct the information. To ensure accuracy I mailed the letter using certified US mail. 
To date TRANSUNION has failed to respond to my dispute and it has been more than 30 days. 
I would like your assistance ensuring that big corporations comply with the law. If after 30 days TRANSUNION is unable to verify the negative information I insist that they delete the information from my credit file.

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 06/17/2015 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more 10 years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute ,XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for the REPAYE program in XXXX, 2016. As of today, XXXX XXXX, 2016, my application has not been processed. It 's been 5 months. Fedloan Servicing has given me incorrect information time and time again. They asked me to pay an incorrect amount to process my application on more than one occasion, and I keep receiving bills for payments using the standard 10-year repayment program, which amounts to {$950.00}. I can not afford that payment. My loans have been in forbearance for 5 months now with no resolution. This morning I was told to continue to wait and check back since I have no other option, and to ignore the {$950.00} payment when it is due. I can not afford that payment, nor can I ignore it. Fedloan Servicing is giving me incorrect advice that could lead me a default of my student loans, while taking too long to process a REPAYE application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Debt collection (I do not know) with Commercial Recovery Systems (MA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Today, XXXX XXXX 2016 my mother received a phone call from a woman calling herself XXXX and refusing to disclose where she worked. She stated that I was being sued and paperwork was submitted to XXXX XXXX and that I needed to obtain legal counsel. Later this afternoon a person I went to high school with named XXXX XXXX, who I have n't spoken to in 8 years received a voicemail from the same woman, mispronouncing XXXX XXXX and telling him that I, XXXX XXXX, was being sued by XXXX XXXX. 

In XXXX cases she left no information regarding why legal action was being taken against me, but disclosed to arbitrary individuals that I was being sued and needed an attorney. In XXXX cases I was contacted by worried friends and family concerned that I was being arrested. 

I have no knowledge of any outstanding debts, and in fact just purchased a car which required very detailed analysis of my current credit report. The woman left no information regarding who she worked for. Upon XXXX searching the phone numbers provided, it became clear the calls were placed by " Commercial Recovery Systems '' ( phone numbers given were XXXX and XXXX ). I have no idea how many other old contacts they may have defamed my name to. 

After reading XXXX it became clear that they 've been known to do this extensively and unendingly.

Company response to consumer: Untimely response
Consumer complaint received 03-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a remark that effected my credit very badly, I have had a someone use my social and other id to co sign for their own use with out my consent, and I really want that off my report I'm only XXXX years old and I'm new to the credit world I really don't want this to affect me and my future. I have another account that I opened which my payment history is 100 %.

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 09/27/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: I sold my fathers home after he XXXX and was rightfully due all escrow overpayments as well as a check that was sent in my dads name. The check was for compensation for how I was treated during a loan modification for the home which I applied for after his XXXX. I sent Wells Fargo mortgage all of the documents they requested to receive the escrow and check, in my name. This process started as soon as I closed on the house on XX/XX/XXXX. I also requested they send me back some of the fees I paid, which they agreed to do. I received several letters from different loan dept employees. Some asking for more documents ( which I immediately sent ) some asking for docs they 've already received ( which I called and verified ) and some stating they need additional paperwork which they could n't even state what they needed because it was a legal matter and I 'd have to contact an attorney. I showed an attorney everything I sent to Wells Fargo and he said there is nothing more they should need from me and sees no reason why they are holding my money. I 've made several calls to the mortgage dept and NEVER got a straight answer about whet more needs to take place for me to receive my money. I spoke with them on the phone at least a dozen times. The last two calls I made was the last straw. I was told that a check was sent out to me and that it was endorsed and cashed on XX/XX/XXXX. I never received any check from them so I asked her to scan and email a front and back copy of the check so I could see who forged it. She said they were not allowed to do that. So I asked what the endorsement on the back showed and she said it was n't legible. I asked her where the check was mailed to and she said it went to the home which I sold. I asked why would it be sent there when they were paid in full for the home and knew I no longer resided there. ( I had given them my new address, several times ). She had no answer for that. I asked her to send me some sort of proof that a check was ever sent and she said she could n't but I would be receiving a letter from them about the issue. I said well the only issue is I want my money and you are refusing to pay it to me .... PERIOD!! To date, I have not received any correspondence from them, whatsoever. 
I have been treated like a criminal from day one from Wells Fargo mortgage dept employees. I do n't have the money to hire a lawyer nor should I need to. I have never dealt with more unprofessional, or inadequate employees in my life!

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 09/21/2016 about Consumer Loan (Installment loan) with ROC Asset Solutions, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: XXXX at API ( debt collection agency ), instead of calling me, called my family and friend leaving a message for me that if I did n't call them back today to discuss a claim, that legal action will be taken in XXXX XXXX. When I called them back, XXXX was in a meeting and I talked to another man who told me that if I did n't come up with the {$680.00} down payment ( 10 % of the bill ), in 24 hours, they were going to forward my claim to XXXX XXXX to serve me at home or at my work. I told him that I could not come up with this within the short amount of time and he wished me luck.

Company response to consumer: Untimely response
Consumer complaint received 03/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage return my monthly payment, refuse to answer QWRs and advertised the my residential home for sale on XX/XX/XXXX. It all started when I started asking for explanation and information about you is my lender and why I am charged so many fees that has baloon my monthly payment and increased my obligation to Nationstar. Instead of getting answer and resolution, I received payoff statement, default letters and foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Specialied Loan Services refused to modify my mortgage and tired to foreclosed my home. They refused to set a face to face meeting based on Washington State Law for a mediation. I have been trying to contact them by mail and phone and have been waiting for several months but no one from SLS contact me. They sent my home loan to their Attorney to pursue foreclosure. I do n't know who to turn to for help. I contacted the Local Housing Counselor for help but did n't get anywhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with DISCOVER BANK (MO).
Issue: Transaction issue

Complaint: I paid to get a XXXX put in my truck on XXXX XXXX, 2015 by XXXX XXXX in XXXX, Mo. Immediately after I called XXXX to let him know the XXXX did n't work. I brought it back and he said it was n't his problem it was the truck. We just bought the truck so I called the dealer, XXXX, they looked at it and said that it was a faulty XXXX that XXXX installed. My husband called XXXX at XXXX and he said he did n't want to talk to us again nor see the truck again. We filed a dispute with Discover credit card company, in XXXX. Then we took our vehicle to the dealer, XXXX, to have them replace the XXXX so we would have a XXXX that worked. We sent the receipt to Discover along with a letter from the service manager stating the XXXX was the problem. XXXX at XXXX XXXX claimed he did everything right and that he tried contacting us on numerous occasions, which he did AFTER we paid to have the truck repaired. Then Discover found in XXXX XXXX 's favor even after we showed proof that we had to pay someone else to fix what XXXX would not. We are extremely frustrated with the process that was taken and feel that we have been wronged by Discover as well as XXXX XXXX. All we want is our refund for what we paid for the XXXX and our down time for the truck being out of service. We were without the use of our vehicle for several days due to the mishandling and unwillingness to fix the problem the merchant created. I have filed numerous letters with Discover and they say that the issue is resolved. I am out the money I paid XXXX as well as what we paid to the XXXX dealer to fix our truck. Not to mention the vehicle being down and unable to be used do to this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent many letters in regards to errors on my credit reports .... They have not responded to my request ....

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Student loan (Non-federal student loan) with GREAT LAKES (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The loan was with Great Lakes I paid they transferred to another agency now they transferred to malt her agency o ca n't get any info I get no bills and they keep taking taxesi called the XXXX collections they said another has it I have no info!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: One of the address is incorrect. I never lived in XXXX, NJ. That is wrong address. Please delete wrong information. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX has reported a collections of {$1300.00} to my credit. XXXX XXXX bought this from XXXX. While I was working to pay XXXX, XXXX XXXX listed this without my knowledge on my credit report. I contacted XXXX XXXX in XX/XX/XXXX for validation of debt and was told one was sent. I have emailed them  twice in XX/XX/XXXX for debt validation to resolve this. I have not received an answer or letter yet. When i call they are closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Xapo, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On XXXX XXXX, 2017 I tried to wire money from my XXXX XXXX ( XXXX ).  The amount was for {$10000.00} and transaction details were provided to me. My bank told me the transaction failed because the names did n't match. I contacted Xapo 3  times post the failure and never received a response. The money has left my wallet and has not reflected the failure of the wire.

Company response to consumer: Untimely response