milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/17/2015 about Mortgage (VA mortgage) with U.S. BANCORP (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I took a job XXXX in XXXX 2015 and put our house XXXX on the market. Within a few months, our realtor made it clear that we needed to lower the asking price of the house to a point below what we owed on the mortgage, if we were going to be able to attract potential buyers. Beginning XXXX we lowered the asking price by {$10000.00} per month. By XXXX, we were asking less than the amount we owed US Bank on our mortgage. In XXXX we filed the short sale paperwork with our mortgage bank and alerted our realtor we were in short sale territory. By late XXXX or XXXX, we were responding to an endless stream of requests for all kinds of financial information from US Bank to ensure our short sale application was complete. Week after week additional requests followed. We sent whatever documents were requested and many were requested over and over, or became out of date over the course of each subsequent month. There was never a time when US Bank offered to review our request for short sale, only requests for additional documents, XXXX at a time, and always a week or two apart. Even when the file should have been complete, US Bank came up with additional and new requests. We received a written offer XXXX XXXX, with a 30 day time limit on it. We forwarded this to US Bank for our file as soon as we had it. This was met with more requests for information we had already sent. We asked for help from our realtor 's attorney as the requests seemed excessive and just seemed like the bank was delaying making a decision. We have been paying our mortgage this entire time. We still have not had our file reviewed and fear the party making the only offer we have received, may walk away due to the delays. As of XXXX XXXX we stopped paying the monthly mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For over two weeks ( today is XX/XX/XXXX ), my husband and I have been receiving phone calls, day and afternoon, and evening, from a company called Portfolio Recovery Associates. Sometimes, it is several times per day. They do not leave a message, or when we do pick up the phone, there is no one there -- it 's just dead space. I have called one of the numbers back ( this company has a lot of different numbers ), and I have gotten a person. This employee of Portfolio Recovery insisted on knowing my name, which I refused to give to her. WE HAVE EXCELLENT CREDIT RATINGS AND NO, NO, NO DEBTS IN ARREARS, EITHER NOW OR IN THE PAST. I told her this and demanded that our phone number ( a land line ) be taken off their list. ( I had called their number, XXXX, prefacing it with XXXX, so they would not see our names in their caller ID. ) She could NOT tell me my name, and I kept saying that several other people had had our new phone number ( before we obtained it, three months ago, XXXX. ) She said she would 'take your number out of our system. '' I said that if she did not, ourlawyer would be getting involved. I know that I will be getting more calls from these unethical people. I have read horror stories about this company and others, who harass people such as us who DO NOT HAVE ANY DEBTS IN ARREARS!

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NJ).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/XXXX, I applied for a loan with CitiFinancial. After a couple of months, I discovered that the loan was a mortgage securing loan, but my Uncle ( XXXX XXXX ) is also on the Deed, did not sign any application or paper work for the loan. The State of Maryland requires ALL persons on the deed, to sign any and all mortgage loans and paperwork. CitiFinancial placed an illegal Lien on my property, which cause tremendous stress and financial strain on the family, because we were unable to sell the property. On XX/XX/XXXX, CitiFinancial agreed to remove the Lien and forgive the balance after 12 painful years of pure suffering. After talking with several different Attorney 's in Maryland, I learned that I am entitled to compensation for violation of Maryland State Laws and Slander of Title. I am unable to go to court, because of my Military Obligations, and unaware if I should provide this information to the Department of Justice, Civil dispute department.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Based on the information provided, we believe that your personal information may have  been impacted by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This company said they would delete on numerous calls from numerous phone numbers but did n't, and they seem to be the type of company who does n't honor their own word since they did not take responsibility and delete as they said they would ( go figure ). Even with them not honoring their word, their are not reporting correctly. The balance for this account still shows {$310.00} dollars and as an active collection account on my credit profile. That was the balance when I made my settlement payment, and if we 're going to talk about accurate balances, it should show, in the least, a {$150.00} balance. With that said, it should reflect as a paid settlement with a XXXX balance. This is with XXXX XXXX XXXX and XXXX XXXX. I wrote a much longer complaint but my web page was somehow redirected to the previous page right before hitting the submit button. I blame it on my unsteady fingers, but I took the time to write another smaller complaint because this is not fair to me as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Settlement process and costs

Complaint: Recent flood insurance claim check was written to the mortgage company and me. it 's now in a secured escrow account and they wo n't release funds to start the repairs to my home. I 'm doing the work myself so they stated that I would have to purchase the materials first then they will reimburse me. So I have to come out of pocket first. They have also taken it upon themselves to make checks payable to the companies that we have submitted estimates for. I try to explain to the Insurance Claim Specialist that the quote was an estimate which can change based on how much material we will need she stated ; we would have to submit yet again another invoice. I tried to explain that this is holding up the building of the home to make it what is was prior to the flooding. She then expressed that 's it 's a process. I then asked for the written notice of this process she then expressed that its and internal memo and she can not share. She then said that I will be reimbursed by Tuesday for the materials that I have purchased so far and I have nothing yet. How is it that a bank can take it upon themselves that make checks payable to outside sources without my permission? 2 months post Hurricane XXXX and NFCU is no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX I deposited a check for XXXX on XXXX XXXX, they put a hold in the ck for 10 days on the XX/XX/XXXX the money was supposed to be released, but the money never was added to my balance, the just add the number to the estatement but not the money, they refuse to credit my money back

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 01/29/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Disputed several accounts that do n't belong to me and they still remain on my experian credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: About 3.5-4 years ago I contacted XXXX to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a divorce, had a XXXX  child and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with XXXX and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was 44 months ago.

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 08/17/2017 about Debt collection (Payday loan debt) with Worldwide Processing Group, LLC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: In the year of 2008 I received a payday loan from I think XXXX XXXX XXXX XXXX cant remember amount but between 450-500.I did not pay them back due to medical issue. Almost 10 years later a collection agency named Forward Movement recovery trying to collect a 10 year debt.Florida statute of limitations says thay have 5 yrs. to take legal action. I have not payed any amount of this debt and do n't believe I am entitled to at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: my purse was stolen and i made a police report. since then there has been a couple of cell phone accounts made in my name. collection company after collection continue to buy this old debt and try to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted

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 04-11-2016 about Credit card () with U.S. BANCORP (NJ).
Issue: Other fee

Complaint: been a customer for years. had a tenant default on a lease and have med ical bills so i paid my bill less XXXX dollars this bank charges XXXX dollar minimum interest which is nuts. it means i will use it minimally. i hate the greed reflected when i am told interest is valid i did not ask that i asked for it back. my business is valid and now can not conitnue. other banks give me money off my bill for loyalty this one wants XXXX dollars of interest despite my good status so i can not use it again. i await the refund. you need to spend mess time with scripts and ore getting to know customers. thank you please do not respond witha script or you already refunded me. i am aware of how itnerest works and your response need not include that explanation. i am now unable to use my card further as my time is better spent getting wealthy than fighting for interest wehich only you make me do. and in turn i can not use the card

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 01/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX {$1200.00} XXXX {$1200.00} - {$1200.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$550.00} COLL {$550.00} - {$550.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$91.00} COLL {$91.00} - {$91.00} - - - XXXX EF I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint is regarding two debt collection attempts from Medical Data Systems. Medical data systems is reporting two open accounts 1. {$1200.00} from XX/XX/XXXX, 2. {$180.00}, on XX/XX/XXXX XXXX, XX/XX/XXXX -XXXX/XXXX. I am disputing this information because I am unaware of where the debts are from, and I have requested debt validation a number of times and they have yet to provide that.I have no signed contracts and have never done business with Medical Data Systems. Furthermore, I receive constant phone calls and even threats from several different numbers associated with this company on an everyday basis. I have had to have several numbers blocked from m
y phone provider because of the harassment. Phone calls continue despite the request to end. Most  recently XXXX XXXX, 2017.
Lastly, this company is not able to tell me how and where they got my personal and health information and I feel this is a violation of my 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 05/29/2017 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: Information belongs to someone else

Complaint: I was a victim of identify the ft in 2010, and shortly after I went through an exacting amount of time attempting to correct and fix this  mess. Experian, more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private counsel,  XXXX  separate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my EXPERIAN report.  XXXX  is being reported  XXXX  times and with a balance of  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 non-monetary relief
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The company XXXX said that that my bankruptcy was verified through XXXX and I have a security freeze on there they stated that they got the information from a third party 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 explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: To wh om it may  concerns, I am writing regarding a few accounts that have been on my credit report with Transunion for more than 7 years. I have contacted Transunion many times and they have refused to assist me. These accounts have been satisfied and closed with a   XXXX   balance but Transunion has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Transunion and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court paper against Transunion because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance should be remove/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts   XXXX   XXXX   XXXX   :  Account #  XXXX   XXXX   XXXX   XXXX   Account  #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   SD   XXXX   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 12/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On a line of credit with a balance of {$3700.00} Wells Fargo somehow took over the number one position lien position over my mortgage company. I asked how this could happen and there  response was it happened. I would like Wells Fargo to show me how this happened as I have always had a first mortgage on my home. Wells Fargo also changed the loan type Nowline opened in 2005 that I opened with Wells Fargo Financial to a Wells Fargo Prime Equity line not sending disclosures explaining the changes. I do n't know if there is a annual fee on this account what the fees are, I 'm guessing everything is the same??

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 12/30/2016 about Debt collection (Medical) with Collection Bureau of America Ltd. (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This debt collector calls me all the time and I explained to them I have health insurance and they need to try to collect the claim from them not send me to collections. They told me i was un insured I told them I have XXXX they went on and told me how would you like to take care of the debt and i told them my insurance would have to pay it and the person I was talking to said ok I will put down you dispute the debt and it will say that on your credit report and that was the end of the call.

Company response to consumer: Closed
Consumer complaint received 11/15/2016 about Debt collection (Mortgage) with Shechtman Halperin Savage, LLP (RI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My mom passed away on XXXX XXXX, XXXX. She left XXXX mortgage liens, one was taken off. We had the estate probated and the deed transferred into both my brother 's name and mine. About one year ago, a real estate company started coming around invading my privacy. They posted large paper on my front and back doors. They started sending harassing letters about removing me from my mom 's house. They have been showing up without my permission, trespassing on the property, taking pictures, driving by and taking pictures. Later on in XXXX of this year XXXX, They filed a complaint without first notifying me about it. They never served a notice on the complaint. It was a cross-claim. I have filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. Today, XXXX XXXX, XXXX, my Bankruptcy was officially discharged. I received a letter in the mail on XXXX XXXX, XXXX, saying that they scheduled a hearing for XXXX on XXXX XXXX, XXXX. They have no grounds to sue me and I want them ordered to cancel this hearing. I sent them emails to let them know this I have n't heard from them, and would only like a response if they will cancel this hearing, as I did n't do anything wrong. They are seeking a summary judgement from to recover the balance, because the house was underwater.

Company response to consumer: Closed with explanation