milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE BEEN TRYING TO WORK WITH MY LENDER FOR A LOAN MODIFICATION/ATTORNEY GENERAL NATIONAL MORTGAGE RELIEF SETTLEMENT. MY LENDER HAS BEEN DELAYING CONSIDERATION OF THE MORTGAGE APPLICATION, " LOSING '' DOCUMENTS, CONSTANTLY REQUIRING ADDITIONAL ITEMS, MAKING ME SUBMIT NEW DOCUMENTS BECAUSE THE ONES ALREADY SUBMITTED ARE TOO OLD ( BECAUSE THE LENDER DRAGGED ITS FEET ), DUAL-TRACKING ( FILING A FORECLOSURE COMPLAINT WHEN A MODIFICATION APPLICATION IS PENDING ). 

Facts, today XXXX/XXXX/2016, I was served a foreclosure complaint from Pacific Union Financial LLC. I attached a copy to my complaint. The foreclosure complaint is dated XXXX/XXXX/2016. Since XXXX XXXX, 2016 I have been working with my lender for a modification. I sent them a complete package and currently my loan is in underwriting since XXXX/XXXX/2016. The foreclosure complaint is premature and should not be issued due to the fact that I am currently working with my lender to receive aa modification. This is Dual-Tracking by Pacific Union Financial , LLC. The document is dated on XXXX/XXXX/2016 and at that time pacific union had an application for mortgage assistance on file. My original application submitted to Pacific union for modification is dated XXXX/XXXX/2016. I have been in contact with them as well sending more documents because they claimed were not received. 

Again, Pacific Union Financial LLC is absolutely in the Wrong for filing a foreclosure complaint while my modification application is pending. Actually, my application has been in underwriting since XXXX/XXXX/16. I originally submitted my application on XXXX/XXXX/16 and been working with my lender the entire time. I request disciplinary action immediately against my lender for DUAL-TRACKING. Please see attached foreclosure complaint! 

This is my second complaint to CFPB against Pacific Union Financial LLC! I have been getting the run around from Pacific Union since my file complaint against them! Pacific Union does n't care about struggling homeowners in default and clearly are trying to foreclose even with a complete modification application PENDING.

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 10/24/2017 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: Illegal inquiries has been reported on all three reporting agencies. I disputed this with Equifax, XXXX and XXXX and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all 3 credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with CITIBANK, N.A. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have repeatedly requested information/validation on this debt bearing my signature and have not received anything starting that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of this debt and do not allow me to dispute their claim. I have never done business with Macys, never signed a contract, nor do I owe them any money.

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 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I asked Experian to correct my name. They refuse to. I asked them to verify XXXX XXXX XXXX and/or remove them. They refused to. I tried to verify it myself and USPS sent it back unable to deliver, unable to foraward. I asked them to remove bankruptcies that were filed but never finished due to bad legal advice and they refuse. I asked XXXX to and they researched it and removed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: They wo n't send in writing what I owe? Send me in writing what I owe, rather than report it to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Account opening, closing, or management

Complaint: Citizens Bank monthly maintenance fee completely drained my account. This account had no activity for over a year. Had to make a overdrawn account payment to close the account. 
I recognize that the management of this account is my responsibility and obviously should have withdrawn the funds from the account. I also should not have signed up for paperless account statements. With paper statements I would have probably recognized the stupidity of not closing the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2017 about Mortgage (FHA mortgage) with AMERICAN NEIGHBORHOOD MORTGAGE (KY).
Issue: Incorrect information on your report

Complaint: I recently purchased a home through XXXX XXXX XXXX XXXX. The closing process was rocky as paperwork was continually misplaced and things did not quite go as intended. Despite all of that closing happened on XX/XX/XXXX. In mid XX/XX/XXXX one of my family vehicles was totaled in an accident. I wen to go apply for an auto loan and it was brought to my attention that my credit report showed double the real estate debt than I should have. I immediately contacted my mortgage company who initially told me this was impossible. Upon further inspection they realized that during the process of transferring my loan from one office to another they had opened a duplicate loan. They have turned me in circles trying to resolve the issue and refuse to offer any sort of compensation. The error has prevented me from buying a vehicle as no bank will offer me a loan when my real estate debt is listed as a false XXXX on XXXX income. This has caused me to have major expenses for a rental car and I see no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Debt collection (Medical debt) with Midwest Service Bureau, Inc. (KS).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Midwest Service Bureau continues to call me on my cell phone after I told them they do not have permission to contact my cell phone in violation of the TCPA. I then ordered them to Cease & Desist calling and they continued to not only call my cell phone after being ordered not to they contacted my mother who I do not live with and lives in a completely different town. They disclosed my private health information to her without my permission ( violation of HIPPA ) and  continue to call her despite my telling them to cease and desist ( harassment, violation of FDCPA ). 

Additionally, I have never received any validation notice regarding these accounts, I attempted to tell their collector that the bills were a result of a criminal action and I was a victim of a crime but they have not marked the debt as disputed ( as required under the FCRA ) and continue to attempt to contact me and my family about these bills.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with Synovus Bank (WV).
Issue: Closing/Cancelling account

Complaint: Contacted First Progress Bank XX/XX/XXXX and spoke to XXXX different individuals who stated they have closed the account and will have in removed within 90 days. Contacted them again in XX/XX/XXXX and they refused to discuss the account because it is closed and marked as fraud. But they still have not removed this from the credit reports from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Firstly, Bank of America purchased my loan from XXXX XXXX  company. XXXX had just dropped the illegal escrow account due to a letter written to the Texas Attorney General 's office. We were never reimbursed the over-payments made to XXXX. However, when Bank of America purchased the loan, they added the escrow account back to the account at a deficit. My original loan dated XX/XX/XXXX, includes a signed escrow waiver agreement that states, I requested a non-escrowed account ( document included ). I also signed a truth in lending disclosure statement ( document included ) that ensures I am responsible to pay my own insurance and property taxes.
<P/>
Secondly, the mortgage account was tax exempt during the XXXX, XXXX, and XXXX  years. Due to my military service, I am a XXXX XXXX XXXX XXXX veteran ( document included ). I contacted Bank of America informing them of the tax exemption. Bank of America continued to place illegal escrow, forced placed insurance ( self purchased insurance copies included ), special assessments, miscellaneous postings, late fees, misapplied payments and escrow shortage charges. With tax exempt accounts, there should not ever be escrow charged to the account. Either way, my account should never have been charged.
<P/>
Thirdly, please review my credit history ( included ) printed on XX/XX/XXXX. No missed payments except for Bank of America. My credit history for all other accounts have an A+ payment history. Bank of America, fraudulently reported negative payment history to the credit bureaus. With my mortgage loan having a signed escrow waiver agreement and my 100 % tax exemption status due to my XX/XX/XXXX military XXXX rating, the escrow payments should not ever have been collected. Me and my family have suffered unnecessary hardship because of Bank of America 's fraudulent charges, incorrect credit reporting and excessive fees.
<P/>
On XX/XX/XXXX, my credit report was marked as 120 days late. I contacted XXXX, at Bank of America, for my account to be reviewed, due to my new tax exemption status. He stated that my account had been reviewed, per my request, and that B.O.A was making corrections to my account and would send the updated credit report to the credit bureaus. On credit report date, XX/XX/XXXX, B.O.A had made the necessary corrections and marked my mortgage account as " pays account as agreed ''. This year, XXXX, Bank of America made major changes to my credit report by stating that my mortgage account had 25 missed payments. All of the errors on my account are completely illogical.

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. EQUIFAX WITH A SECOND HACK ON XXXX2017. I 'M IRRITITATED. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacyrights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is to demand on my behalf that all 3 credit bureaus remove all of this  Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like thank thr Consumer Finacial Protection Bureau for protecting her/his Personal, Family, and Household.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (I do not know) with Receivables Outsourcing, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get periodic robocalls that go through the whole routine of saying it 's about " an important business matter '' and just for me. It even waits for " 3 seconds so I can take the call in private. '' It gives the required warning that any information obtained will be used in the attempt to collect the debt. But it never identifies the debt or gives me any opportunity to provide any information. It only requires me to call an XXXX number. If I stay on the line after the number is given, it starts over again from the point of the 3-second wait. I have never returned the call, but I 'm getting fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: Still trouble with pnc they still owe me the XXXX promotional deposit which they wo n't do now they 've charged me over XXXX dollars in over draft fees did it again today four more times never rejecting the charges kept accepting and returning. I explained why I could n't get money in my account due to hospital and I 'm out nearly XXXX XXXX which is my mortgage payment I want that money returned it 's excessive

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This complaint is about First Associates : XXXX which company is responsible for receiving the payments for my loan for school, University XXXX . The complaints are as follows:1. The company does not offer me visibility to the daily debits and credits to my loan account. All transactions are lumped into a few lines in each of my monthly statements. 
2. The company has severally made errors in computations on my account, the latest of which is that a payment of {$1200.00} which I made to the account was not recorded in the relevant statement ( see attachments ). I can provide additional example of errors made in the past on my account on request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Settlement process and costs

Complaint: This is to inform you that Specialized Loan Services approved me for a loan modification, but after 60 days, they have not recorded the note or notified me of the loan modification being completed on their part. 
I have made my monthly payments on time, but instead they have send me monthly statements that show higher payments than we had agreed to, unclear charges and attorney fees that are not part or listed on modification agreement. 
attached you will find copies of statements and loan modification. 
thank you for your help.

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 01/25/2017 about Credit reporting () with Alliance Data Card Services (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXXComenity bank did a Hard Pull on my credit which on XXXX different dates XXXX/XXXX/17 and XXXX/XXXX/17. I absolutely did not authorized a Hard pull much less twice on XXXX different dates. Spoke rep and they said ca n't remove I need to dispute it and she agreed that they only do SOFT pulls. Please help remove I 'm trying to purchase a home. Would not agreed to hard pulls. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (I do not know) with McCullough Payne & Haan, LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: McMullough Payne Haan XXXX XXXX XXXX XXXX XXXX XXXX, XXXX are threatening to file lawsuit against me for an old debt that is over 12 years. I received a letter from McMullough dated XX/XX/XXXX, I disputed the debt. Today I received another letter stating that a judgement was entered against me and they attached a judgement for dated XX/XX/XXXX In my letter to them I explained that I do not owe this debt and that the statute of limitations has expired according to the Fair Debt Collection Practices Act ( FDCPA ) and the State of Georgia. However they are yet to respond to my letter and they still continue to send letters and continue collection efforts to collect an old debt that I do not owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duvera Billing Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owe only XXXX from the start of this XXXX. I made a payment over the phone, but i did not get any confirmation neither a receipt of my payment. I owe only XXXX balance but this company is increasing debt settlement more I owe. In fact, I already pay them in full this account of XXXX but to my surprise, this company is scam. bec. no confirmation and receipt provided to my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: During my course as a XXXX at XXXX XXXX University, which I 'm expected to XXXX XX/XX/XXXX, I started out with a student loans through Chase Student Loans ; which I was n't aware at that time that they were private student loans. After a period of time, their time limit was n't based off still being enrolled as a student, they began sending notices for payments. I had made several payments over time and due to financial hardships of losing my job I was n't able to continue making those payments. During that time they had called between 6-10 times daily and when I answered it was an automated message each time. I had finally got in touch with them to discuss possible consolidation of the private student loans, due to that there were XXXX loans requiring XXXX seperate payments monthly, and they told me to just make the payments. I am currently a XXXX and unemployed, with all those circumstances that currently are they did not try to help in any way, shape, or form to handle this situation. I tried to take care of this matter, but due to financial hardships I presently ca n't afford to pay all XXXX private student loans through Chase and instead of consolidating all XXXX loans or post poning payments till after graduation they sent each loan into collections. Which in return prevented employment, that was the response from the business for myself not being employed with them. I 'm at a dead end and looking at options to handle this matter for I ca n't afford to be denied employment based on this matter with Chase Student Loans. Currently they have sent me notice of acceleration and is now in collections, this was a result of having no options to resolve this with them. Will provide any and all documents when I can have them scanned somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: I submitted complaint XXXX XXXX XXXX. I received this complaint closure letter today ( XXXX XXXX ) with the following text : 'We reviewed the complaint you submitted to us on XXXX XXXX, 2015. Although complaints can be submitted on behalf of others, the bank has indicated that it is unable to process the complaint without authorization from the consumer. No further action will be taken on this complaint. The consumer can submit a complaint on their own behalf by contacting us ' This makes no sense. I AM the consumer and I filed the complaint. Since filing the initial complaint, Diner 's Club has closed my account in retaliation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Medical) with AmeriCollect (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Medical bill is over 6 years old and was already paid. Collection company requesting payment for medical bill without disclosing the date of service for medical bill. Appears to be one that was already paid in the past. Need correct date of service and age of this bill to prove they were already paid for three years ago..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: i have an account being reported as AES/NCT and National Collegiate Trust on my credit report in derogatory status all of my loans are federal student loans and are being paid on time and current. this account reports monthly with a past due balance of XXXX ive called AES and verified that my loans are consolidated and AES has been paid in full prior to consolidation my loans were current. this is preventing me rom buying a home as its reported monthly derogatory and with a past due balance. its also based on the date past the statute of limitations i want it removed from my report i did not take out a loan with nct or national collegiate trust

Company response to consumer: Closed with explanation