milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2018 about Mortgage (Other type of mortgage) with UNITED GUARANTY CORPORATION (WA).
Issue: Struggling to pay mortgage

Complaint: I was hired to list and sell my clients house as a short sale. After obtaining all of the documentation to submit a short sale package to both lien holders the 2nd lien holder United Guarantee ( AKA- XXXX MI ) asked for my letter of authorization in order to discuss a short sale review. After submitting the offer, letter of authorization and closing disclosure i received an email from a XXXX XXXX who simply stated he declined in participating in a short sale for the client. 
The first lien holder has accepted their package for review, and the 2nd would not even look at the request for modification of the original loan to do a short sale.. They would not look at any of the seller financials or requests made for a review. XXXX XXXX just sent me an email declining participation with no review.

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 02-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a mortgage with OCWEN. After a long dispute regarding my payment history and them saying that I was n't making my monthly mortgage payments, I obtained the services of XXXX and was able to get my mortgage and interest rate reduced based on a trial modification period. I signed and mailed two copies of the agreement to OCWEN, in addition to XXXX emailing two copies, as well. They never responded or sent the final copies to be signed, but later said that I did n't send the documents to them. There is a receipt verifying that XXXX did receive the document on XXXX XXXX, 2016 @ XXXX They have now erroneously reporting that I failed to comply with the arrangement. Upon speaking with XXXX and them engaging OCWEN, they 're saying that I failed to date the documentation. The documentation is in fact, dated for XXXX XXXX, 2016. This loan servicing company refused to process my loan payments for 1 year and said the reason was because I was 90 days late on a payment. I sent all certified mail receipts and cashier 's checks to their auditors ( located in XXXX ) and all they could say was that I missed a payment, but could n't come up with the 90 calendar days that were in question. I had to pay {$4200.00} to XXXX to work on my behalf because they tried to foreclose on my home. They are still assisting me because OCWEN has n't sent me the signed copy of the final loan modification as they told XXXX they did.

Company response to consumer: Closed
Consumer complaint received 08-04-2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the incorrect information two times using the processrequired by Equifax. They have not corrected the information and I havesupplied sufficient documentation for them to do so. Please have themupdate or remove this public record from my credit report, as it ishindering my financial growth.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i sent out a debt validation letter to this company and they sent me a bill statement rather than proper validation of debt. this is not my debt i wish they would remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: ATM card stolen XXXX XXXX. : XXXX. Bank refusing to provide restitution. Bank will receive ongoing filings on here if they continue to avoid rules. I have lost my engagement, nearly lost my apartment 4 months ago, and my vacation I invested funds in I can not recover over this. Beyond angry and will attempt resolution w/ branch in person if necessary. Litigation imminent. Bank has no response to the issue. Bank is saying we know the rules and we do n't like them because they are n't in our favor, so we 'll just go ahead and keep the funds while asking for additional documentation, stalling, lying, passing the issue from department to department and jerking me around because bank security measures failed. Unacceptable.

Company response to consumer: Closed
Consumer complaint received 04/25/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This is related to Complaint #  XXXX  Th e collection has been removed from my credit reports, but Portfolio Recovery Associates has begun to harass me both via phone and mail. I do not accept the phone calls and do not respond to the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following companies unlawfully ran my credit without my permission. I did not apply for credit with any of these companies, neither do I have a credit card or business with them and I've been desperately trying to get them to remove these unauthorized inquiries from my XXXX and Transunion Credit Reports. I have contacted the respective credit bureaus first and was advised I would need to make contact with each vendor individually to request these unauthorized inquiries be removed from my credit report. Although this has been a huge hassle, I have contacted each vendor on multiple occasions for months now unsuccessfully pleading my case with no relief. Bottom line is I did not apply for a credit card, auto financing, and/or any type of housing with any of these vendors on or about these dates whatsoever and I am seeking your assistance in getting them to remove these unauthorized inquiries from my credit report. 

Equifax Report Unauthorized Inquiries : 1 - XXXX Bank, Date : XX/XX/XXXX ( National Credit Card Cos ) 2 - XXXXXXXX XXXX., XXXX XXXX, Date : XX/XX/XXXX ( Television & Radio ) 3 - XXXX, Date : Date : XX/XX/XXXX ( Miscellaneous Reptg Agencies ) 4 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 5 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 6 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 7 - XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX ( Auto Financing ) 8 - XXXX XXXX Date XX/XX/XXXX ( Auto Financing ) 9 - XXXX XXXX  Date : XX/XX/XXXX ( Auto Financing ) 10 - XXXX XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 11 - XXXX XXXX   Date : XX/XX/XXXX ( Bankcard ) 12 - XXXX XXXX Date : XX/XX/XXXX ( Real Estate sales/Rent ) 13 - XXXX Date : XX/XX/XXXX ( Variety Stores ) 14 - XXXXc Date : XX/XX/XXXX ( National Credit Card Cos. ) 15 - XXXXXXXX XXXX XXXX, NA Date : XX/XX/XXXX ( National Credit Card Cos. ) 16 - XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX ( National Credit Card Cos. ) XXXX  Report Unauthorized Inquires : 1 - XXXX  Date : XX/XX/XXXX ( Finance ) 2 - XXXX Date : XX/XX/XXXX ( Finance ) 3 - XXXX XXXX Date : XX/XX/XXXX ( Finance ) 4 - XXXX Date : XX/XX/XXXX ( Misc. ) Any assistance your agency can provide with assisting me in getting these companies to remove these unauthorized inquiries from my credit report is graciously appreciated.

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 05/16/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Comenity Bank charged late fees after I closed my account and paid my remaining balance by the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Late fee

Complaint: I got a Mastercard with Barclay Bank, which offers mileage with XXXX XXXX. I misunderstood and believe I was misinformed about the credit card protecting against expiration of miles accumulated. Additionally, for one month I never received a bill and so ultimately paid the bill late. I excluded the penalty fee from my payment. I have tried to cancel the credit card and was told that I could not do this because the bill is not paid. For the past two months I have been charged a penalty because I have not paid anything towards the original penalty and so now as a result of penalties for prior unpaid penalties, the bill is now {$100.00}. I want to cancel this credit card and believe I should not be held responsible for the penalty. I am shocked that Barclay will not allow me to cancel the card and at least put a hold on further charges. My credit card account number is XXXX. 
Thanks very much for your help with this complaint.

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 12/27/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: I got the letter from the underwriters that they are rejecting my application for a mortgage refinance to 3.7 %. XXXX XXXX one of the VP 's solicited my wife and myself over a 18 months ago to refinance at a lower rate, now that interest rates are going up I feel this is just a flimsy excuse to get me to go somewhere else since you no longer want to carry paper at 3.7 %. XXXX XXXX like XXXX XXXX misled me on the qualifications for going with a VA loan, the qualifications are almost identical, in many cases even easier under VA government backed loan. This XXXX about a blue tarp on my roof and a XXXX that never hit XXXX Florida ( I live in XXXX Florida XXXX miles from hurricane XXXX center ) is just smoke used by your underwriters to deny me a loan, probably because of my age. Like I have told you more than 5 or 6 times, the tarp was put on my roof by a company for preventative purposes, no change or damage since I am going after my insurance company for raising my rates. I also feel my application was rejected because I filed a complaint with FTC because Suntrust has not been truthful with me about processing my loan and eligibility with VA loan which I earned with not only XXXX years of service, but XXXX long months in the XXXX while many of you were setting home on your XXXX safe and sound while we were doing the heavy lifting. Now remember Suntrust solicited me to refinance I did not solicit Suntrust, I have put in over a year and a half of time and effort in trying to secure a loan on a property that is only borrowing less than 40 % to equity and all other qualifying factors, debt to equity XXXX scores that average almost XXXX fall under guidelines for approval under any other company who offers mortgages. As a matter of fact I have lost the ability now to seek out a better rate because you are too cheap or too lazy to re-evaluate my roof, I provided the appraisal at my expense as you required, now I would like to have my money back, and money for inconveniencing me for more than a year and a half would only be fair. When I first came to you I asked you to lock me in at 3.5 % which was prevailing rate at the time in XXXX 2016, you failed to do that. I later agreed to except the 3.7 % to move things along. I had already been approved by XXXX XXXX at XXXX all the way back in XXXX 2016 and declined because I thought it might be better to stay with the mortgage company I had been with for over 20 years, 20 years I never missed a payment. You know what is even more all the bad loans and assets your XXXX based bank wrote, all the TARP money you borrowed at the tax payers expense, you just simply go back to the well and the XXXX with the customers like my wife and myself who have been customers for over 20 years get jerked around this is nothing short of perplexing, downright evil.

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 03-07-2016 about Prepaid card (General purpose card) with U.S. BANCORP (KS).
Issue: Adding money

Complaint: I have a pre-paid debit card through XXXX issued by US Bank National Association out of XXXX. XXXX processed a refund in the amount of {$490.00} on XXXX/XXXX/2016 at XXXX. It immediately appeared as complete in my online account and mobile app balance. When I call the account information line it notes my available balance as {$490.00}. There is even a debit of {$27.00} made on my account on XXXX/XXXX/2016 on XXXX AFTER the credit leaving me with a balance of {$490.00}. Yet I can not use my card to make purchases or pay bills. I called the customer information line twice and was told both times that it can take 24-72 hours for a refund to appear on my account because they put a block on it to guard against fraud. This does n't happen if I return an item at XXXX - the funds are instantly available and this is no different than any other electronic transaction. I asked when I would know when I could access those funds and I was told by both representatives that I should try to make a purchase and see if it will go through. so as I understand it I am supposed to take goods to a counter and present a card to see if I will suffer the embarrasment of it being declined jsut to see if my finds are available to me yet, even though everythig I see and hear tells me they are available. This is copied directly from my online statement : Card # XXXX Balance {$490.00} Rewards PointsUnavailable Last Login XXXX/XXXX/2016 XXXX CST Card Information Card Activity Statement Change PIN Card to Card Transfer Recharge Your Card Mobile Alerts Direct Deposit Form Pay Bills Card Activity " RP '' indicates Recurring Payments TimeCard No.Description/MerchantStatusAmountBalance XXXX/XXXX/2016 XXXX VISA PURCHASE XXXX # XXXX, XXXX Complete- {$27.00} {$490.00} XXXX/XXXX/2016 XXXX PURCHASE REFUND XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complete {$490.00} {$520.00}

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 07-04-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NC).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: My name is XXXX XXXX and I would like to file a formal complaint.
<P/> XXXX XXXX scammed me into believing they offered a legitimate loan consolidation program by using the official-sounding Obama Student LoanForgiveness program.
<P/>
I immediately started making monthly payments to XXXX XXXX and stopped the payments to my current loan servicer Navient which is one of a select group of companies chosen to service student and parent federal loans for the U.S. Department of Education. They fraudulently accessed my FASA ID by using both my Social Security and Driver 's License Number.
<P/>
I have filed complaints on federal and state levels including with the state of North Carolina Dept. of Justice. The funds have most recently been return.
<P/>
Here is the new problem. My husband and I were looking to purchase a home. After pulling my credit report, the lender informed me that they could not move forward with approving the loan because I had late payments applied to my student loans within the last 6 months. This is due to me paying XXXX instead of Navient.
<P/>
This is devastating to me! I would like to move forward with charges against this company so that they do not do this to anyone else. XXXX continues to represent itself as a Student Loan Forgiveness program and they are not. We will have to wait at least another year before we can begin the home purchasing process again.
<P/>
Please help me stop this fraudulent company hurt someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that a 7 yr clock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.

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 01-11-2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Other transaction issues

Complaint: Despite being a fully verified customer by Western Union, XXXX and having made XXXX transfers to the same person through WU, I made and paid a transfer of funds to my girlfriend in the XXXX on XX/XX/XXXX 
WU accepted the transfer and sent me a confirmation of this. 
Several hours later my girlfriend emotionally distraught manages to send a pro bono email from an internet cafe informing me that she was refused the money by the WU money collection point by telling her the transfer had been rejected and returned to the sender on the grounds of her name. The clerk insinuated and made references that my girlfriend was possibly " a XXXX '' or " a money launderer '' which left my girlfriend not only penniless but deeply hurt as it 's as ludicrous as suggesting that XXXX XXXX was " a XXXX '' or " a money launderer ''. 

-Western Union NEVER even contacted me to inform me that the " approved '' transfer had suddenly been rejected. 
XXXX I phoned WU to verify that my transfer had been sent back the XXXX WU operated did confirm this but REFUSED to provide any info as to " why ''?? 
I was told that 'WU is n't legally required to notify a customer of anything if they suddenly change their mind about a service ' and that my money would be returned within XXXX business days. 
-I phoned WU back on the XXXX of XXXX XXXX ask why I had n't recieved my money refund. The WU operated told me that the refund was returned to me on the XXXX of XXXX 2016. I told the operator this was untrue and a lie as NO MONEY had been returned to me. The operator informed me " they would investigate the matter and eventually get back to me ''. 
-The following day I sent an email to Western Union customer service centre asking them to please return my money. 
-They replied saying they were " sorry '' for any inconvenience and to 'make this up to me ' they would return MY money eventually. [ XXXX XXXX XXXX - Customer service representative-Western Union ] -I replied saying that it was the worst and poorest attempt I 'd ever experienced in XXXX years of business experience of a company trying to solve a customer complaint. 
-Western Union XXXX in XXXX sentences telling me in fancy words 'Take it or leave it ' [ Ieva XXXX XXXX - Customer service representative-Western Union ]

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: I got a protection agreement by XXXX with Experian Services Company last year because of a fraud and steeling information from the first party. Of course, I did not get any feedback from Experiance, even a freer report or Credit Score report till now Beside that, I start to receive many Credit Cards Offers which I do not apply for, Like ; XXXX. 
Will they only take fees through extra Sales Tax from XXXX which we are pay too and not sending Us or free reports annually to protect us?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: The Credit bureaus are reporting inaccurate information on my report of a bankruptcy that should not be reporting. I have tried disputing this information for almost one year and they don't seem to care or want to take it off. I contacted the Bankruptcy court and they have not reported anything to the bureaus and said third party companies maybe reporting inaccurate information.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, who was given all of mine and every other American 's personal information, had improper security measures in place which allowed the release of over 100,000,000 people 's personal information. Information that can ruin people 's lives. It 's not even an opt-in service, but half of the entire country got screwed over anyway

Company response to consumer: Closed with explanation