milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2016 about Mortgage (FHA mortgage) with GMFS, LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Please help! My home was sold in a foreclosure auction on XXXX XXXX,, 2016. We were notified on the day after XXXX XXXX by the person whom purchased our home from the investor. My husband and I were not notified that our home was in the foreclosure process. The Mortgage company stated on XXXX XXXX that we were 9 months behind on our mortgage payment. We mailed them via Money order and currently having them tracked down to find out where they were cashed or if they were just lost in the mail. However the mortgage company also stated that they sent certified letters notifying us. However, we do not have any of them either. 
XXXX My 1st question is does the mortgage company or the trustee have to post the auction in a PUBLIC newspaper? as well as the home owner to be notified ( served ) paperwork prior to the sale. We had no idea that our home was being sold. 
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 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX charged a regular monthly charge of {$8.00} on my credit card. I had never had any communication with XXXX and never authorized any payment to them. I believe the payment was charged due to my wife 's card expiring ( she had an account with XXXX ). However, I view with great surprise that XXXX will allow a husband 's account to be debited where a wife is not paying, especially with a digital good where the most sensible resolution is simply to stop the subscription. I already spoke with XXXX ( customer service ) and XXXX ( Fraud dept ) but they did not offer a satisfactory resolution and could not explain how this had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am currently disputing a fraud item from XXXX which took place in XXXX, however recently XXXX placed a hard inquiry on my credit reports without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with GLA Collection Company, Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a XXXX medical card that was suppose to pay off any medical bills past or present in full and I have numerous bill from hospitals

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Trouble during payment process

Complaint: I purchased a home XX/XX/XXXX with Wells Fargo, in XX/XX/XXXX I was behind in my payments for maybe 5 to 6 months at the most. Instead of losing my house I went to Wells Fargo for some help and was told they were going to put the pass due that I was behind at the back of my loan. Just recently I decided to sell my house and move to another location due to a very good career change. To my surprise when the title company pulled the title to my property there was an additional loan from HUD for {$34000.00}, that I had no clue was a part of my mortgage. So to find out, the help they gave was modification of my loan and extended it out for another 26 years. Also, all of my principle that I paid prior to my loan modification it seems to be missing. I requested a payment history from Wells Fargo about 2 weeks ago for my payment history from XX/XX/XXXX - XX/XX/XXXX and yet to have received the requested documents. I've been in my house for a total of 9 close to 10 years and Wells Fargo is stating I've only paid {$9000.00} total to them. I would like to know where all of the money I've paid for mortgage over the last 9 years has gone. Please advise me what steps I should take to get the needed documentation for auditing purposes. A representative from Wells Fargo stated they are revieiwing my case due to a red flag they found, but I have just to get any resolution.

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 10/15/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Deposits and withdrawals

Complaint: I have been banking with SunTrust for over 30 years. My now XXXX husband and I opened an account for my son when he was a minor, with my husband and my name also on the account. My son is now XXXX years old and a college student at XXXX. My son 's student account was hacked and someone obtained his personal data. They used that data to make XXXX mobile deposits into my son 's account, then called his cell phone and told him they mistakenly deposited money into my son 's account and threatened to report him to the police if he did not wire the money to them immediately. My son panicked and went to the nearest SunTrust bank in XXXX, VA and withdrew {$3500.00}, and then went to an ATM to withdraw another {$1500.00}. He then wired the money to this person through XXXX XXXX. The mobile deposits were bogus and later were returned, leaving a negative {$5000.00} balance on my son 's SunTrust bank account. If SunTrust had followed basic security procedures, this fraud could have been prevented. If SunTrust had looked at the endorsements on the back of the bogus deposits, they would have seen that the endorsements did not match my son 's signature. Also, SunTrust should have never allowed my son to withdraw money from funds that had not cleared the bank yet. Since my name was still on my son 's account, SunTrust has demanded that I pay them the {$5000.00} back and have already taken {$1300.00} of that amount out of a Savings Account I had with them.

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 06/23/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A bank levy was placed against me in the amount of XXXX. Apparently, midlund funding won a lawsuit against me in XXXX. I did n't even know the lawsuit was happening, due to never being served. ( They served an address I Never lived at ). The original debt is in XXXX XXXX and 14 years old. I  live in XXXX, and am unsure as to the company I owe the money, and the amount they took out of my bank account can not be proven. This company is breaking the law, and getting away with it, and it 's not right! They have ruined my plans, and now I 'm stuck filing papers with the court in XXXX XXXX  and I 'm still missing XXXX. They have legally stolen from me!

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Requested negative accounts to be removed from my credit report, creditor stopped collecting on those accounts. 
Experian refused to remove accounts. 
Today I tried again, it says I ca n't dispute accounts till I pay for another credit report & then I will be able to start a dispute.

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 Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello. I am concerned about the recent allegations against Navient and would like my student loans to be verified. My monthly payments are increasing and Navient has not been very accommodating with a repayment plan. Unfortunately, with the income base repayment plan, Navient does not take into consideration other financial responsibilities of the borrower. I have explained and provided evidence that I am the only employed adult in my household with the responsibility of paying all household bills and daycare for my XXXX children. My husband is unemployed. I can not afford a monthly payment of over {$1000.00} a month in student loans alone. In the case that they can not be verified I would like to request that the loans be removed from my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I previously disputed and they removed, then listed again on Equifax and XXXX a tax lien that was paid in full and forward proof of supporting documentation from the state of Georgia, that indicates i letter any credit company that haves this debt, listed on credit report must remove it. They refuse and give you a hard time even with over XXXX reports filed in two years. Also i have filed Chapter XXXX bankruptcy, the continue to add the debts listed in bankruptcy for discharged that they are open and listed in collections, and no included in my chapter XXXX bankruptcy. The creditors are listed in my court documentation, and some where foward over to collections agency but that debt is still listed for amount, and creditor. They ask for proof of Chapter XXXX Bankruptcy, I filed, and I forward this my email, and certified letter, they said that even though my creditors are listed, as for disharged that is not proof and that they can keep listing incorrect debt as in collections even though they are listed in my Chapter XXXX bankruptcy is should state on my credit report as ( included in BK. ) I tired of trying to get my credit file disputed, call forward the forms they want and they still refuse to update credit report. They even refuse to update my job I have been on for over 8 yrs.They say I do n't work there and I forward a XXXX, and pay stub with address. By me working for XXXX I must keep abreast and make sure the credit report have the correct information. But XXXX and Equifax refuse to update their records

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with AmeriHome Mortgage Company, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: AmeriHome Mortgage failed to pay my homeowners insurance policy from my impound account funds. Upon contacting them, they stated XXXX had no record of me ever having an insurance policy. I contacted XXXX, and found in their notes that AmeriHome has never transferred the payee on the policy from the last Loan Servicer. XXXX has advised AmeriHome on 3 separate phone calls what they needed to do in order to get the policy information, yet AmeriHome failed to follow through and allowed the policy to lapse. AmeriHome also failed to notify me, I found out when XXXX raised my Auto Insurance due to the cancellation of the HomeOwners Policy.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: On XXXX XXXX, 2015 I received a letter from citi credit management deparment,, to notice about decreased credit limit, because my credit report shows delinquent credit obligation, either paid or unpaid with another creditor, the decision was based from the information obtained from XXXX, I went to credit repair consultants to see what happened, and we saw a big mistake, SEARS/CBNA, reported to XXXX a credit car # XXXX account owner, authorized, high credit {$4300.00}, credit limit {$4000.00}, date reported XXXX/XXXX/2015. this credit card is not mine. i called to this number XXXX customer service, i expleined everithing, they told me they need the credit card last XXXX number, i said i dont have it, they told me go to consumer financial protection, they are reporting this credit card to XXXX and they dont have the last card XXXX numbers??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To who m it may co ncern, I mailed a Multipl e Inquiry Removal Letter o n  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If y ou believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complain t due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: Hello, My name is XXXX and XXXX XXXX. This is most likely the 4-5th complaint against my mortgage company SLS. I just recently placed a case against them last week and here is another. I was in another short sale offer for the sale of my home for the past XXXX months. Recently-XXXXdays ago SLS called me aking for the FUNDING PROOF OF THE BUYER to be sent to them for review. I stated that it was my lawyer that they should be calling but I would contact them to request that inwhich I did that day. My lawyer in turn replyed and said she got that sent that day also to SLS and even asked them if anything else was needed. They said that was all they needed to proceed. 

Today I received an e-mail from SLS stating that my short sale was denied because of buyer funding proof and untimely grounds!!!! I e-mailed lawyer to explain. She stated she sent it XXXX days ago as requested and they received it. 

SLS is full of XXXX what gives them the right to even stay in business!!! They have really really really done a job on us!!! 

Why am I stuck with them and how do I press charges against them for neglect on our XXXXx in a YEAR SHORT SALE DENIAL!!! How do I get JUSTICE? Who do I call? I need to take serious action!!!!!!!!!!!!!!! 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 05-04-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage company refuses to take stop foreclosure to allow borrower to modify loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is in reference to my complaint and disputed in submitted via CFPB in XXXX 2015 of which I have not yet had any response. The disputes complaint number is:XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and advised me what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago and I would like this matter addressed as it is causing great hardship.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Trying to pay student loans back from XXXX to XXXX. Received XXXX and XXXX, however payment shock occurred when paying back. No consiconsideration that high paying job has not occurred. Navient sets payments big and options are not compatible to salary and cost of living. Attached high interest when missing as it is sad that it 's unimaginable to pay back. 
Please help with reasonable affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Student loan (Federal student loan servicing) with National Recoveries, Inc. (GA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Have received letter announcing garnishment to my wages dated  XXXX   XXXX   XXXX  from  US Dept of Ed. bu t have not received any other communication concerning a garnishment prior and now an in an active garnishment. Varying student loan collections organizations have taken my income tax return since  XXXX . I only borrowed {$5000.00} total and have more than paid that off with them taking my income tax return, now they are going to garnish my wages. They say I owe {$5200.00} STILL. I contacted the company after I received the letter on  XXXX   XXXX   XXXX  to attempt to make payment and they would only allow a {$550.00} payment! which is waaaaay to much to pay monthly, might as well let them garnish me if that 's the case. I asked to lower the payment, they would not. My credit will be damaged by an active garnishment and I am seeking some sort of assistance, hopefully your organization can help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: In XXXX 2017, I sent a letter to ask for verification of payments on an account. To my surprise XXXX XXXX XXXX XXXX and XXXX XXXX re-added the account to my TransUnion file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. 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 non-monetary relief
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We obtained an Equity Line of Credit in  XXXX / XXXX / XXXX  from National City  Bank (  now  PNC ) secured as a 2nd  XXXX  by our personal residence. We made all payments on time f or 10 years. At the end of the 10 years (  XXXX / XXXX / XXXX  ) the draw period ended and the loan was converted to a 20 year repayment period.     PNC is reporting this loan as a " Revolving Credit Card Debt '' loan to the Credit Reporting Agencies.     We refinanced ou r 1st mortgage which closed   XXXX / XXXX / XXXX . The  1st  mortgage now reports as closed and the new 1st mortgage holder has not yet reported to the Credit Bureaus.     In  XXXX   XXXX  when monitoring our credit we observed o ur credit score h ad lowered over  XXXX  points. We contacted PNC and asked them to report the loan as a 20 year term loan secured by real estate since that is what it now is.     They refuse to change their reporting to the  Credit Reporting Agencies without any explanation.      We then mailed (  XXXX   XXXX ,  XXXX  ) the original note and subordination agreement for  the county records to the Credit Bureaus who contacted PNC and still no  change.     Please help us with this reporting. We have always paid the bill on time, even through the recession, which they are reporting to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Consumer Loan (Pawn loan) with BANK OF THE WEST (CA).
Issue: Payment to acct not credited

Complaint: we keep getting charges for a mothly automatic payment that we make from our checking acount on XXXX XXXX to a saving account in Bank of the West that is being used from this bank for payment to a line of credit loan with the same bank. 
We are being charge for " not sufficient funds '' even though wehave proof that a payment had been made on time from XXXX XXXX to Bank of the West. 
We have tried to resolved this both via telephone and in person but are being told to wait and have not had these charges reversed. It has been seven days.

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