milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (SC).
Issue: Trouble during payment process

Complaint: I am an authorized party on the mortgage for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Their mortgage loan was with XXXX XXXX until XX/XX/XXXX. Prior to that date, XXXX XXXX approved a loan modification for XXXX and XXXX after they had made 3 required mortgage payments. XXXX XXXX sent the Loan Modification papers which are dated XX/XX/XXXX and then sold the servicing of the loan to Specialized Loan Servicing ( SLS ). 

I have called SLS on five separate occasions to talk to them about the incorrect information they have in their system for XXXX and XXXX 's loan. The claim they have no record of me being authorized on the loan even though I faxed them the authorization along with power of attorney for both XXXX and XXXX, and the modification documents. After they stated they never received the fax, I emailed the documents. They claim they still don't have them and will not contact XXXX XXXX to obtain the authorization. I have confirmation of receipt for both the fax and the email. 

Today when I called again to speak with someone and was told for the fifth time that I was not authorized I asked to speak with a supervisor. XXXX, the woman I spoke with said a supervisor would not be able to help me either. I told her I wanted to speak with a supervisor anyway. She transferred me to someone's voicemail. 

SLS is violating the terms of the modification that was approved by XXXX XXXX and also violating XXXX and XXXX 's authorization to allow me to handle their financial obligations. 

They are sending statements which have incorrect payment amounts and are also sending statements that XXXX and XXXX are past due, which is incorrect according to documentation received from XXXX XXXX prior to the transfer of the loan. 

The SLS loan number is XXXX The XXXX XXXX loan number is 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 07-07-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed items from my Equifax file or report on XXXX XXXX 2015 ( USPS Tracking Number : XXXX ). Eqiufax received my dispute notice on Tuesday, XXXX XXXX, 2015. The results I received from Equifax did not include any investigation and Equifax did not verify any information I originally disputed nor did they send me a corrected and updated credit report but only received pages from my credit report of items I disputed stating that the items were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are inquires on my credit reports made in XXXX and XXXX that do not belong to me. They were placed their fraudulently. I filed a police report number XXXX and provided it to Equifax, XXXX and XXXX to have the fraudulently information removed as well as old Addresses and Name Variations who could have contributed to this issue along with documentation from the creditors proving their investigation deemed they were fraudulent and needed to be removes. The credit bureaus refuse to remove them and my disputes come back in a few days and inquiries are factual. This is not possible if they actually completed a full investigation and looked at the documentation. This is affecting my credit worthiness and my ability to obtain a place to live for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Medical) with Tri-State Adjustments, Inc. (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Never received any notice will pay off Dept just need to know how

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 had an account with  XXXX   XXXX   XXXX  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current, and reported negatively on my credit report until the account was paid in full  XXXX   XXXX . According to the FCR A 623 ( a ) ( 5 ), t his account should be removed from my credit report. It has been re-aged by the Experian to reflect a different date of default. The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from Experian and  XXXX   XXXX   XXXX  showing the original status of the loan, showing the original default date. I have disputed the information with Experian, whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquenc y (   XXXX   XXXX  ) and the date of first major delinquency report ed (   XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the letter showing the account paid in full from  XXXX   XXXX   XXXX , as well as, credit reports from Experian and  XXXX  from  XXXX . This account should be removed from my credit report as it has reported negative information for 9 years.

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 12-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Transunion has ignored my request to provide 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 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 soon 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 10/31/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have disputed several reports on my Experian credit report. After repeated request for XXXX to mail me an up to date credit report showing the corrections that were made and my current credit score they have failed to comply with my request.

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 06/19/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: THIS IS NOT A DUPLICATE : XXXX accounts were closed by Chase Bank and the reason given was basically " because we can and we feel like it ''. However, to date only the money in XXXX account has been returned in the amount of {$61.00}. The money in the other account has not been returned in the amount of {$270.00}. Further there were XXXX {$12.00} charges totalling {$48.00} assessed to the account even though the deposit items in question were the fault of XXXX, who made good on the items.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Delinquent account

Complaint: I setup auto pay for the account. But unfortunately later on I find out it was not. When I get letter from the card service regarding late payment I contact them and pay the payment immediately. It was totally unintentional mistake and when I explain it to the card service they waive the late fee. In 2016 when I check my credit report I saw they put a 30 days delequint report on my credit report. I talk with card service and explain them that it 's an unintentional mistake and request them to remove the report from my credit report. But they denied my request by explaining that it a valid report. I do n't know what to do. It 's hurting my credit report. Please help me to solve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Other type of mortgage) with CITIBANK, N.A. (CA).
Issue: Struggling to pay mortgage

Complaint: I have been working with Citi Mortgage for a very loan time in trying to receive a loan modification. Back in XX/XX/XXXX, I was working with XXXX XXXX a Rep at Citi. We provided all documents for review on XX/XX/XXXX and the file then was officially in review and we were informed that the file was reassigned to XXXX XXXX. On XX/XX/17, we called for the status of the account and scheduled a phone appointment with XXXX XXXX for the following day at XXXX ( we never received the call ). On XX/XX/17 we spoke with Citi and they advised of the exact same documents that were previously provided on XX/XX/17 ( we re-emailed them to XXXX AGAIN anyway ). On XX/XX/17 we spoke with XXXX for the first time since being assigned and he advised that the file had been closed out because the documents were never sent in? XXXX was able to confirm that the documents were in fact received and he would have the file re-opened again. XX/XX/17, we spoke with XXXX who advised that the file was still in review. Again XX/XX/17, still in review and pending a decision. XX/XX/17-Still with the Underwriter as of XX/XX/XXXX. XX/XX/17-Spoke with XXXX with Citi and she stated XXXX noted as of XX/XX/17 account was still in review and she also advised that there were no additional documents needed. XX/XX/17- Emailed XXXX XXXX for a status update ( no response ), XX/XX/17- We called in to Citi and they advised that they need all updated information including the Letters of Explanation that they had been provided before. At this point, i feel like i have been given the run around from them. They continuously request the same information that we provide to them and it just becomes a viscous cycle. I just need your help and i do not want to lose my home.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: PLEASE REMOVE XXXX XXXX XXXX OFF MY ACCT SS # XXXX ACCT # XXXX AS WELL OF HER 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 02-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Closing/Cancelling account

Complaint: Recently, I went to use my Barclay Rewards credit card only to have the purchase declined. I found that very surprising because I was n't contacted by Barclays before the decline. I was even more surprised since in an effort to reduce my credit card balances I used my entire annual bonus I received to pay down my total credit card balances by over 25 %. I made it a point to pay Barclays the most - I paid my card down {$900.00} on XXXX/XXXX/16 via eft. I also made a regularly scheduled monthly payment to Barclays, and do n't believe I was ever delinquent. 

When I got home on XXXX/XXXX/16, the same day of my declined purchase, I immediately called Barclays and spoke to a few individuals ( rep last name XXXX, ID XXXX and also XXXX, ID XXXX ) who simply said my account was closed due to negatives items on my credit report. 

Yes, I know I have some, but for Barclays to close my account AFTER I made a substantial payment to them and other creditors was devastating, and honestly I think disingenuous on their part. To make matters worse, I know their act of closing my account further damaged my credit rating! It should be noted that NONE of my other creditors closed any of my accounts and XXXX XXXX actually reached out to me to work out a payment plan that I also completed on XXXX/XXXX/16 AND they have reactivated ALL privileges on my XXXX accounts I have with them - despite the fact that I was previously delinquent on my accounts with them! 

The point is to demonstrate the totally disparate treatment I received from XXXX creditors - XXXX, XXXX XXXX reached out to me to resolve my issues, the other, Barclays, closed my account AFTER I made a substantial payment and without advance notice. Although the date of the notice that finally did arrive from Barclays, and it was dated XXXX/XXXX/16, I know for a fact it came days AFTER my purchase was declined. 

Ironically, just today, XXXX/XXXX/16 I received another notice from Barclays dated XXXX/XXXX/16 acknowledging my complaint, and giving me an XXXX to call. Now, why would I waste my time at this point when the damage is done?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Mortgage (FHA mortgage) with MLD MORTGAGE INC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company at the time, mld mortgage, cashed my mortgage check twice in error resulting in XXXX $ in bank fees being charged to my checking account. They are denying they did this, even after I provided them with all the bank statements. They are being completely unprofessional and are giving me the run around. This has been going on almost a month. I do not know how an " accounting '' department can not know this occurred, and then deny they even did it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with SUN WEST MORTGAGE COMPANY, INC. (NV).
Issue: Trouble during payment process

Complaint: I have been requesting the Sun West Motg. Co to take off Mortg. Insurance premium as the ratio of residual loan and the house price satisfies the conditions. I have submitted the sale price of this complex to prove the facts. The Co is adamantly and unjustly collecting MIP every month.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AZ).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/XXXX, 2008 I bought from XXXX XXXX XXXX, XXXX XXXX silver dollar, graded XXXX for XXXX. 
This quality coin is worth about {$370000.00}. 
This seller, XXXX XXXX from Florida promised me, that this coin is not " enhanced '' ( cleaned, polished, dipped, heated etc ) any way and is really graded XXXX, graded by a numismatic company. 
I asked him for guarantee 30 days money back if this coin will be over-graded. He has agreed. 
On XXXX/XXXX/2008 I sent him wire transfer from my Wells Fargo account for {$3200.00}. 
After few days I received this coin and unfortunately, its quality has high over-graded. Regarding the quality I asked for opinion professional coin dealer, and he said the same. Additionally this coin was cleaned and polished and the value was as scrap, about {$8.00}. 

The same day, on XXXX/XXXX/2008 I have sent complaint to XXXX XXXX XXXX and demanded from him immediately money back, but he did not answered by e-mal and phone. On XXXX/XXXX/2008 this coin was send him back, USPS confirmation # : XXXX XXXX XXXX XXXX XXXX, but my money no refund. 
After few days I failed a claim in Wells Fargo bank ( claim # : XXXX ) regarding this cheating. I asked a banker for help, to withdrawal my money from XXXX XXXX XXXX, however, they refuse to help me and closed this case. 
A women from Wells Fargo bank called me and said, that they will not processed this claim because this person may be dead or fled abroad and is in other country now. 
I was very badly discriminated in Wells Fargo bank and I lost there many money. They told me that I can have only XXXX claims each year and no more. If I will have more complaints, then they will close my account. I knew that a lie, but nothing I could do. 

I was deceived by many cheaters online, and the bank refused me defrauded more than XXXX transactions. 

For this transaction I pledged my jewelry collection in XXXX. My jewelry, more than XXXX pieces of gold with precious stones ( diamonds, rubies, sapphires, emeralds and more ) was worth more than {$250000.00}, but Pawn shop in XXXX offered me only {$3400.00}, this because they counted my gold as scrap and gemstones and synthetic, because stones had no certificates from their professional jeweler. 

I agreed, because I do not expect that this man deceive me and I be able to pick up my jewelry. Unfortunately, I lost all money, the scammer did not refund my money, the bank discriminated me and I lost all my jewelry worth more than {$250000.00}. I have proof from Pawn shop and pictures of the jewelry. I told the banker that I will loos all my jewelry if they will not help me. But she said as above. 
After this incident I decided to closed my account in this bad bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with INVESTORS BANK (NJ).
Issue: Trouble during payment process

Complaint: I am disputing the late fees charge of XXXX}, which should have been removed when the XXXX XXXX grant was applied to your loan balance on XXXX/XXXX/XXXX. Please Review and Correct the problem. 
Investors Bank loan XXXX Thanks XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Medical debt) with Renton Collections Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a bill from this collections agency in amount that I do not recognize on behalf of a past due to XXXX XXXX XXXX that I was not aware I had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with SYNCHRONY FINANCIAL (IN).
Issue: Credit limit changed

Complaint: After granting my Lowes consumer credit card a limit of XXXX, I began repairs on a home that im remodeling. My intentions were to pay for labor with cash, and materials and supplies through my Lowes card. After purchasing approximately XXXX in supplies and materials, my credit limit was cut to barely over the balance owed. I have had my card for several years and was never late. <P/>I contacted Synchrony bank and without any reason was told there was nothing I could do, and this immediately caused the work to stop on the home i was remodeling and intending to sell. <P/>A couple weeks later my amazon limit was slashed from XXXX to XXXX, and today my wal mart card cut from XXXX to XXXX. <P/>Synchrony has tanked my credit score by maxing out my utilization so i cant even get a loan to finish the project. Not only is this bad business on the companies part but should be illegal.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: It is unjust that XXXX businesses can have access to such personal and potentially damaging information such as my Social Security XXXX, and be so careless with the security of these sensitive materials. Even more unjust is that in the wake of their negligence, we the consumer, must pay $ XXXX- {$10.00} simply to institute a credit freeze, which at this point is a syringe of water to extinguish the forest fire that is our lack of adequate protections. 

If a credit freeze is my only option in the wake of these companies ' negligence to properly secure our information, then it should at least be free.

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 03/25/2016 about Mortgage (Conventional fixed mortgage) with Kentucky Housing Corporation (KY).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company sent me a letter Dated XXXX XXXX, XXXX regarding a " late '' payment. I contacted them, and then subsequently emailed them a copy of the canceled check. On XXXX XXXX, XXXX they company assured me by email that they had removed the late fees, and had corrected my credit file. In XXXX, I was checking my account and noticed that they had not yet removed the late fees. I called them and asked them to please take care of that, which they did. 
My credit file is still showing a late payment with XXXX. I contacted them on XXXX XXXX, to ask then to fix the issue, and their manager simply told me to do a credit dispute. He also told me that credit updating could take XXXX90 days, however this issue has been much longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Midland Funding LLC is claiming that I owe {$540.00} for an XXXX account that does not belong to me. Im a victim of identify theft and have taken the necessary steps in order to clear my name. I was told that the account is now with Encore XXXX XXXX  XXXX XXXX who filed a lawsuit against. 

I was never notified of said lawsuit or presented with proof that shows the account belongs to me.

Company response to consumer: Closed with explanation