milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have filed this complaint with ; HUD, Making Housing Affordable, FBI, XXXX, XXXX, XXXX XXXX XXXX XXXX, Federal Trade commission, American Bar Association, XXXX Attorney General and I 'm sure some other agencies. I just found this out today so these agencies have not had a chance to contact me back. I got a letter to vacate the premises today so time is of the essence I just need someone to help me. 
I was contacted by XXXX XXXX XXXX XXXX out of XXXX XXXX after I was online looking for a company to help me avoid foreclosure on my VA loan. They asked me if I did a load modification with my current mortgage company and I said yes, they told me my mortgage company was under a class action lawsuit and I could avoid foreclosure as well as end up with a settlement under the dodd-frank act. They asked me if I had equity in my home and I said yes about $ XXXX, they said that is probably what the bank was after to gain. I gave them XXXX that day and they sent me paperwork to do. I did it but they kept saying they did n't get it. Yesterday I was contacted regarding my payment bc they do n't take XXXX XXXX and she wanted to know if I could use the same visa I had been using. Today I found out my home had been sold. I had no Idea. I contacted the law group and it was apparently news to them too, then she called me back and said a letter was mailed on XXXX XXXX that they were dropping me as a client due to incomplete paperwork. I told her I have sent in my paperwork numerous times, she wanted to see it, so I faxed her the copies of the multiple emails I sent. I then called back to see if they received them no one answered the phone on any number I dialed before for the rest of the day. I am a 12 year XXXX Vet, I 've been on XXXX XXXX, XXXX XXXX XXXX. I am a sinlge mother of XXXX children. I bought this house with I was XXXX years old and I ca n't believe this has happened. If someone, anyone can help me please do!! I am at a complete loss.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Payday loan) with Wise Finance, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was issued an writ garnishment that indicated the wrong principal amount. Per the documents I have received from Wise dated XXXX/XXXX/2015 stated I owe XXXX, from a sale of the collateral that i voluntarily surrender. According to the paperwork I had an initial balance of XXXX they sold the vehicle for a XXXX, I was charged XXXX for storage in which the vehicle sat in a public strip mall up until the sale date. I do n't feel that is a legitimate charge. I then received a wage deduction notice stating the principle balance is XXXX. This appears to be fraud to get more money than owed. not to mention

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (GA).
Issue: Application, originator, mortgage broker

Complaint: We paid off our home many years ago. Recently we applied for a home equity loan that we needed desperately and quickly. The loan officer called us and told us that while doing the title search, he found that our deed was n't cancelled back in 2000 when it was paid off by XXXX XXXX XXXX as we refinanced at that time with XXXX due to a lower interest rate. We paid XXXX XXXX XXXX off years ago and they cancelled the deed like they were supposed to. But our problem is the bank, Chase, before them. During the title search, he found a sheet of paper with handwriting similar to " Cancelled Deed XXXX & XXXX XXXX '' and a few numbers written on it and that was all. The Clerk of Court 's office blames the bank and the bank blames the Clerk of Court. We have been trying to get this straightened out for months and it 's costing us time and money. A few weeks ago we were told that it was in the mail but last week we were told that this was n't the case and were given names and numbers for us to call. It is Chase bank and XXXX number is XXXX XXXX at XXXX and XXXX XXXX at XXXX. We were given XXXX case numbers, XXXX and XXXX. We 've called and ca n't get in touch with anyone.We worked hard most of our lives and made all the payments until our home was completely paid for but now that we need to use it to borrow money for some unexpected expenses we are having problems. We have been working with the Clerk of Court 's office at XXXX and talking with XXXX XXXX and XXXX XXXX and attempting to get a loan from XXXX and the loan officer is XXXX XXXX XXXX. Thanks for your assistance in this matter. 
Would you please help us get this solved? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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 contacted XXXX, XXXX, Equifax on X/XX/2017 and XX/XX/XXXX in regards to the negative information reported on my credit reports. Upon reviewing a copy of my credit reports I see various entries listing inaccurate Account Status ( Closed ), Payment status [ Debt included in or discharged through bankruptcy chapter XXXX,XXXX, or XXXX ] and balance. I 've asked the 3 credit bureaus to validate this information with XXXX XXXX and provide me with documentation associated with this account. I requested that the data be immediately deleted from my credit files that are maintained under my Social Security Number. I specifically stated that I do not consent to XXXX or any other means of automated verification to all 3 credit bureaus. Which they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Auto debt) with Bull City Financial Solutions, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I wish to file a complaint against Bull City Financial Solutions for listing a zombie debt of {$6800.00} on my credit reports and ruining my credit. I paid an account off with XXXX XXXX XXXX XXXX in XXXX. I pulled my credit reports in XXXX XXXX, I find a collection account on my credit reports from Bull City Financial Solutions opened in XXXX XXXX for the account I paid off at XXXX XXXX XXXX XXXX in XXXX. I am very upset about this! Bull City Financial Solutions needs to remove this account from my credit reports immediately. Bull City Financial Solutions is/has violated the FCRA and my consumer rights. Please make Bull City Financial Solutions remove this fraudulent, inaccurate and erroneous account off my credit reports. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, XXXX, XXXX and TransUnion and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXX XXXX Credit Card, XXXX XXXX   Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.

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 06-08-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Dear whom it may concern, Hi, my wife and I bought a XXXX house in 2013 and recently began to refinance our mortgage because we thought that we could get rid of the PMI since our property value has gone up and our principal seems to be lower that 78 % of our home value. However, we just found out that we can not cancel or remove the PMI because our loan process was finalized after the XXXX XXXX, 2013. We wonder if it 's true that there is no way to cancel or terminate the PMI until we pay the mortgage in full. Also, I now remember why our loan process was dragging for such a long time and I am curious if the lender was intentionally postponing to make the deal. 
Anyway, we would appreciate if any of you could clarify the rules regarding termination of PMI for us and let us know there is any way for us to avoid the ridiculous amount of the PMI fees. 

Thank you so much for your time and help in advance. 

Best wishes, XXXX from XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with customer service

Complaint: I try applying for credit and they told me my score does n't show and I been getting deny. So how can I build up my credit if n o one g ive me a opportunity. Where to star. And the  XXXX  credit bureaus got to update my score

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 01/14/2016 about Consumer Loan (Vehicle loan) with Go Capital Holdings, LLC (AR).
Issue: Problems when you are unable to pay

Complaint: I wish to make a formal compliant against this finance company that I previously got a loan for XXXX years ago. I requested that the company come and get the automobile because, it was not worth the amount of money that I was paying and that the repairs were more than the car itself. this company refused to come pick up the car for several of months while I was still making payments on the car. I found out that this company has gone out of business, and then the car was sold at an auction for less than what was paid on it. I have contacted the credit Bureaus in reference to this being taken off my credit report because they are reporting this as a repossession.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Payday loan) with Enova International, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A man named XXXX from a company called XXXX has called me to report a delinquent account on behalf of Cash Net USA as an attempt to collect an alleged debt. I 've never applied for a payday loan, so I called Cash Net USA and they have no record of me or an account in my name. I attempted to call XXXX back and continued to get voicemail. He later called me back from a different number in a different city than the previous call. I 'm sending a DN to the company. I highly suspect this is a fraudulent company. The original number he called from was XXXX and then XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Student loan (Private student loan) with DISCOVER BANK (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On Monday,  XXXX   XXXX ,  XXXX , I was contacted by  Discover Student Loans a bout a loan that had originally be taken out with  XXXX  in  XXXX . The loan was sold t o Discover a few  years back. The customer service who contacted me identified that she was calling with the co-signer,  XXXX   XXXX , on the other line and wished to patch him in. I did not want to speak with her because I was very surprised by the phone call. I said that it was not a good time, she repeated that the co-signer,  XXXX   XXXX , was on the other line. I hung up at this point.  XXXX   XXXX  is not the co-signer for this loan, this loan does not have a co-signer. I was older than  XXXX   XXXX   XXXX  and did not require a co-signer for this student loan.  XXXX   XXXX  ' name is not on the  XXXX  for this loan. Discover has my home address, my cell phone number and my email address, they need not contact a third party to try and contact me. The representative also misidentified  XXXX   XXXX  as a co-signer. This is deceptive, the representative lied to me and to  XXXX   XXXX  who is aged and was rightfully very upset and confused by the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Medical) with Louisiana Recovery Services Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This collection agency has a multitude of accounts they are trying to collect on. For this one in particular I never received anything giving me 30 days to dispute the validity of debt. I was under the impression the amounts they are claiming I owed were covered by my insurance company. On top of that it is my understanding that my medical information is not supposed to be released to a 3rd party without my permission and in the correspondence I 've received, it 's all come from a 3rd party, yet there is not a HIPPA release for with my signature giving anyone permission to release my information. I have great concerns about my information being in this collection agencies hands. They have already mailed with their correspondence other peoples information included with my information with detailed information about this person and their medical records. I also have yet to receive any promise to pay for any of these outstanding balances with this collection agency. I requested validation on a multitude of occassions and the responses do n't include anything showing that I am liable for these amounts and that I had any obligations to pay these outstanding balances.

Company response to consumer: Closed
Consumer complaint received 07/30/2015 about Bank account or service (Checking account) with BANK OF THE WEST (AZ).
Issue: Deposits and withdrawals

Complaint: my husband received a check for approx. {$22000.00} from and inheritance recently in the form of an official cashiers check. I took the check to our Bank ( Bank of the West ) in XXXX, AZ and I was told that the funds would not be available for at least XXXX business days. I was told that {$200.00} would be available immediately, then in XXXX days {$4800.00} would be available and then in XXXX business days the remainder. I asked why that was since it was an official check. They said that there was nothing that they could do and it was just the way it was. I have since looked up the law and see that the funds should have been available the next day. I wanted to alert you to this situation. Thank you, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Someone has used my identity to open multiple credit accounts and order goods. I have received XXXX new credit cards in the mail in 2 days time. I filed a fraud alert with Equifax before I knew how many accounts had been opened. I attempted to obtain my free online reports from the XXXX agencies and my request was denied by all. I have no idea how many other accounts may have been fraudulently opened in my name or how many purchases have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Performant Financial Corporation (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This complaint is due to failure to validate in accordance with 1692g, I do not have a contact with Performant Recovery. I am also requesting a receipt of this loan, as well as please provide the note!

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 09/16/2017 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: Old information reappears or never goes away

Complaint: XXXX was told to remove info. they passed the buck onto experian. experian refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over XXXX  years old. request for info to update database based on my blood type etc. is HEREBY DENIED. 

EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM ESCALATING CLAIM. 

NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ). 

I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with TIAA, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Never missed a payment, nor have any payments been " late ''. Yet each month Everhome Mortgage calls from an unknown number usually after normal business hours and requests a call back because they have " important information regarding your account ''. However, you can only call the number during normal business hours on the XXXX XXXX ( I live on the XXXX XXXX ). When you do reach a representative, they start with " this call will be monitored for training and security, yada yada ''. Next the representative asks whether you live in the home, whether you plan on moving, are you have financial difficulties, do you have anyone else living at the home, etc. The questions continue until they finally ask, " when will your payment be sent? '' and " why has n't it been sent already? ". Again, I am not behind on payments, never have been and send payment around the same time each and every month. When I remind the caller of this, they say " well it 's due on the XXXX ''. I say I am aware of that and want to know why I am being treated like a delinquent. They reply " because you are not set up on automatic payments ''. When I agree to set up automatic payments they say that there will be a {$10.00} fee if the payment is not processed on the XXXX of the month. Of course, I reply with " you 've got to be kidding, I am not paying a penny more than what is due '' and tell them a check is in the mail then hang up. Because of the frequency and regularity of these calls, I feel harassed by Everhome Mortgage and it 's extremely distressing when they call. Today they called while I was at work and I repeatedly asked what was the reason for the call ( because I am at work! ) the caller said he would get to that after he said his speech about the call being recorded. I told him he has XXXX seconds or I am hanging up. He then said that he was calling about the XXXX XXXX payment and before I could say anything, he says " which was received today, please disregard this call '' and goes into another speech about customer service so I just hung up the phone. Thank you Everhome for yet another harassing phone call that caused me undue stress and embarrassment in front of my co-workers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (Credit card) with Eltman Law, P.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Back in XXXX of 2007 my bank account was levied. At first I thought it was because of my child support that was just put into arrears. I filed a motion to have it vacated because the arrears were being paid out of my pay check. When I received all the proper information it was for this debt that I do n't not owe. Now I 'm receiving threatening letters from collectors attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (Conventional fixed mortgage) with GUILD MORTGAGE COMPANY (NV).
Issue: Application, originator, mortgage broker

Complaint: Guild Mortgage Company, based out of XXXX Nevada is offering to buyer clients who apply for a mortgage with them on XX/XX/XXXX, a {$1000.00} furniture gift card. Is n't this a violation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Billing disputes

Complaint: I have a dispute with Capital One over a credit car charge fromXXXX for {$1600.00} and I have called the dispute department severaltimes to get this matter resolved. I have sent them additionalinformation about the charge on a course that was free. 
They always inform me that a supervisor will call meand no one has.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: unverifiable negative information on esperian 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 06/17/2016 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (GA).
Issue: Fraud or scam

Complaint: Money was transferred from my account using Google Wallet. Filed a complaint and request for a refund and was told they will not refund the money. Have not used the service prior to this transaction. Case ID ( XXXX )

Company response to consumer: Closed with explanation