milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: I took out a mortgage with XXXX Bank XX/XX/XXXX. In XX/XX/XXXX I started calling the bank asking for help. They told me they could n't help because I was not behind on my payments. I kept hearing things on the news that there was help for people who 's homes lost value in the crash. I call my lender back several times and was told the same thing we cant help you unless you stop making your payments. So in XX/XX/XXXX I stopped making the payment on my home and was told I could do a loan modification were I submitted everything they ask for. They told me someone would get back to me. Months went by and I herd nothing back from them so I called to see what was going on. I was told they needed more info which I provided for them yet once again nothing from them and then in XX/XX/XXXX they started a foreclosure and on XX/XX/XXXX I filed a Bankruptcy and let the Trustee know of the Bankruptcy however they sold my home on the steps that Morning for XXXX. They Later returned the money to the buyer XXXX. The bank never contacted me after that for years and then they called wanting to know if I would like to do a loan modification again. I once again started the process with no luck I had not filed my taxes for a couple of years and had no proof of income. The bank has now started the foreclosure again and is set for XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX and now that the bank is finally doing what they should have done years ago I 'm going to have to start the clock over to buy a home. This is going to cause me great damages not to mention I have been told that they have passes the statute of limitation of 6 years. They have tried to cover this up by changing the last Payment date to in the current Foreclosure to XX/XX/XXXX. This is not accurate and once again the big bank is taking advantage of the consumer/ Homeowner. I have called the Trustee and informed them of this they said they would look into it and get back to me. They never get back to me and the sale is still scheduled for XX/XX/XXXX. I do n't know what to do at this point but this is not fair they should have taken care of this years ago and now there cheating the system by changing dates and causing me long term damages. My loan was supposedly sold to Wellsfargo that who started Loan modification but it still shows XXXX bank in Notice of default very confused who is my lender. Please look at this and get back to me ASAP so I know if I have any options. 

Thanks 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 04/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This XXXX and XXXX account is not mines and has been deleted by XXXX. The XXXX account appear to be the same debt, so how can it be posted two times? XXXX not mines. 

1. XXXX XX/XX/XXXX Open {$5900.00} 2. XXXX Other XX/XX/XXXX Closed XXXX Missed Payment {$1400.00} 3.XXXX Other XX/XX/XXXX Closed {$0.00} 4.XXXX XX/XX/XXXX Closed {$1000.00} This account is paid in full. 
XXXX XX/XX/XXXX Open - Current {$45000.00} These XXXX accounts are not mines.

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 11/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Convergent Outsourcing make XXXX inquiries on my XXXX credit report. Unauthorized, without any notice of debt, or verification of debt. Convergent gave my information to other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (FL).
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: I bought a gift card for {$50.00} dollars at XXXX on my XXXX XXXX, my mom attempted to use the gift card and was unsuccessful. I contacted XXXX over the phone and they were unwilling to open a dispute and stated I would need to write them and that the disputes process would turn up a decline since the gift card showed activated. They were informed several times that they can see it still has the money on it and it 's not my fault it did n't work.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: The situation with student loans has been ongoing since I got out of college six months following my graduation date of XX/XX/XXXX.  I have needed to "check in" every year to update my income information and resubmit all data that was submitted the prior year.  
On XX/XX/XXXX, I called Navient to once again give them my information.  I was told this time I needed to submit bank statements as well as tax returns and pay stubs for a private loan.  Mind you these items are not needed for federal loans and I really don't think that it is any of their business what goes in and out of my bank account.  They never asked what other student loans I had and how much I was paying on those because they are only worried about their loans.  But, in turn, I submitted the documents to them and agreed to pay them XXXX a month.  I was then told that after 3 months of on-time payments the past due balance of my loan would fall to the back of my loan.  I enrolled in Autopay and my first payment came out the following month of XXXX.
Two weeks later I get a phone call stating that my documents did not meet the requirements and that they were going to withdrawal our contract. They also stated that me and/or my cosigner (which is null and void because none of my loans have a cosigner) were able to afford more than the XXXX  I had told them I would pay.  I signed a verbal contract over the phone stating that the XXXX a month would continue for 18 months than I would have to resubmit documentation.  
We are now in XXXX and I have received several hundred phone calls threatening letters etc. Stating that I need to pay the past due to balance or they will send my case to a collections lawyer in my town. They have completely destroyed my credit as they continue to report me late monthly even when I have been paying my loans since XXXX. They have continued to debit my account but have not held up their end of the contract and I did not agree to void the contract. 
I have several other loans including federal loans and it is not near this difficult to manage them.  
Upon looking at my account they have not uploaded any of the information that was sent to them in XXXX  when I have it as sent in my email.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I file bankruptcy and the discharge was XXXX XXXX, 2015. TransUnion and and XXXX both report open accounts for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. It is dragging my credit score down. I have spoken to and requested that both agencies correct the error and they have not. It has been over six months.

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 09-05-2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Have a DR using my name also a address in XXXX. I do n't know anything about these???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I close account XXXX. They was over charging for just two lines. Time went by. And beyond my abbilities to pay for bill of balance that I left behind. I received a letter from collection agency for that bill. I started making paymenta n on my second to last payment. They said XXXX gave them another bill that Was generated. My response was. That. Can not be true n how can I get two seperate bills for that one account. All of a sudden it was put on my credit report. So i tried to dispute but they supplied them with a bill with extra charges on supply n adjustment on extra charges 5 here n there n extra stuff I have no clue of.. I paid almos 500. That I was said I owed.

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 04/17/2015 about Mortgage (FHA mortgage) with Arbor Residential Mortgage LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: we purchased a manufactured home in XXXX and obtained fha financing. To date-Tax records do not show our property as real property- they only have it listed for XXXX for the land value. We have tried since XXXX to get the original mortgage company ( XXXX ) to correct documents and file with the tax office. Until this is completed we are not able to file for homestead or over XXXX exemption. We also applied for a loss mitigation and were denied due to unresolved liens shown on the title search. all of the liens showing were for similar names and not ours but they were unable to correct the deeds and used that as excuse for denying the loan. They were already in the process of trying to foreclose but were not able due to title issue. in XXXX XXXX, we were sued by XXXX XXXX, Tx for unpaid taxes on the manufacutured home which was still listed in the previous owners name. We could not get XXXX to pay the taxes until we contacted HUD. they in turn contacted XXXX and told them they needed to pay the taxes. In order not to lose our home we had to file chapter XXXX bk and started making payments again. Once our loan was sold to Loan Care- our payments were increased from XXXX to XXXX due to the escrow shortgage, We were not able to pay the increased amount. Once loan was sold to Seneca, Our payment were then again dropped back to XXXX, But they would not allow us to make payment unless we paid the full arreage. They will also not speak with us since we have filed Chapter XXXX and state they can only talk to Trustee for BK- So here we are 5 years later without a home listed in the tax records. I have attached copies of all tax records, letters, petition for suit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 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: Equifax has been contacted for the past several months by myself as well as XXXX XXXX to remove XXXX hard inquiries from my Credit report. Attached are letters from XXXX stating this. I have contacted Equifax and disputed these same inquiries 3 times myself all to their denying them. The other two agencies have removed them but for some reason Equifax is deciding to be difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (GA).
Issue: Incorrect information on your report

Complaint: My mortgage was paid in full in 2013 and my mortgage company has failed to report this, my credit has suffered miserably as a result. I have reported my mortgage company a number of times to the Attorney General of my state, your organization, the US Comptroller and anyone who would listen with no results and no help.
<P/>
Please help me

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 07/31/2015 about Bank account or service (Checking account) with DISCOVER BANK (NY).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2015 I spoke to XXXX XXXX at Discover Bank Web Support because my Online Bill Payments ( bills sent directly from the bank using the website ) displayed in XXXX different ways on my statement. Please note that I 'm only referring to payments to individual people that are sent by Discover Bank through the mail, these payments are not being sent electronically and there are no " account numbers '' associated with bill payments to these individuals. 
Some of my payments display as " Online Payment '' and others display as a check number, even though the bills were sent to the same person, by the same bill pay method. Please see the example below. 

XXXX/XXXX/2015 XXXX XXXX Online Payment $ XXXXXXXX/XXXX/2015 Check XXXXThe bills listed as " Online Payments '' are being deducted from my account on the day they are scheduled to arrive at the payee 's house, but the bills listed as a check are only deducted when the check is cashed. Bills listed at " Online Payments '' are deducted even if the check has n't been cashed. When I contacted Discover I was told the company that process Discover 's bill payment processes some bills as " Draft Checks '' which are only debited when they are cashed. The company processes other checks as " Single Check '' and these are debited from the account the day they are scheduled to arrive, even if they are n't cashed. Discover could n't explain why payments are processed by XXXX method or the other, and I was also told that I could not choose which way my payments would be processed. This is not what it states on the Discover website. 
On the Discover Website under " Help / Checking FAQS '' it states : I scheduled a bill payment, why has n't my available balance changed? 
Paying a bill with Online Bill Pay is similar to writing a check. When you schedule a bill payment, your available balance does not change until the individual or company you are paying actually processes or cashes the payment. 

This is not true. My payments labeled as " Online Payments '' are being deducted even if they are not cashed, not when the check is cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit card () with PAYPAL HOLDINGS INC. (NV).
Issue: Unsolicited issuance of credit card

Complaint: I made a {$4.00} purchase on eBay and the seller requested payment via PayPal. I have had a PayPal account that was a direct pass-through to my XXXX XXXX XXXX XXXX card for XXXX+ years, but rarely used it. When I made the payment PayPal opened up an unrequested, unauthorized and unnecessary credit account, and also contacted XXXX and possibly other credit reporting companies on XXXX XXXX, 2015. This had negatively impacted my credit rating. 

PLEASE PUT A STOP TO SUCH CONDUCT, FOR THIS IS NOT THE FIRST TIME PAYPAL HAS ENGAGED IN THIS OR SIMILAR CONDUCT!

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never given a chance to dispute the debt. I did not know about this debt and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (MD).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: XXXX XXXX XXXX is reporting false information on my files. This is not my debt and i have requested verification and validation and they still have not sent me the verification.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans fro m  XX/XX/XXXX  to  XX/XX/XXXX . This is  not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Debt collection (I do not know) with Collection at Law, Inc. A.P.C. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from an attorney claiming that he will help with a law suit filed by XXXX XXXX bank for unpaid debt. I never had debt with XXXX XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: After pulling my credit report, I noticed a collections item for a utility bill with XXXX XXXX XXXX being " collected '' by Online Information Services ( XXXX XXXX XXXX XXXX, NC XXXX ) since XX/XX/XXXX. I have never received from the original company nor Online Information Services ANY notification of a debt. No call, nothing written. I would have never known had I not pulled my credit report wondering why it was lower than I thought it should be. My understanding is that I need to be contacted with notification of debt collection activity within 5 days of initial contact ( FCRA 809 ( a ) ) which the FTC in numerous advisory opinions and in established case law has deemed reporting to credit bureaus as constituting initial contact. It is an unreasonable assumption that a person would be constantly pulling their full credit report and without notifying me of debt collection they have been harming me financially for almost a year. I am willing to continue to pursue this violation as this has adversely affected my ability to secure an apartment to rent. By not contacting me at all about a debt they have been reporting for 11 months, this company seems more motivated by financially harming consumers as opposed to actually resolving debts. It took me requesting validation inXX/XX/XXXX and finally receiving a response letter dated XX/XX/XXXX to have any information other than what is reported on my full credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was never late in paying this account. It should be positive. Any negative history needs to be deleted as I always paid this account on time each month and it closed on a positive note ( Transferred to another company but completely paid off ).

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 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There are several inquiries on my credit bureau report that appear to be in duplicate. They are all listing as a request by XXXX. There are duplicate entries by bank for XXXX. XXXX of the XXXX entries by XXXX XXXX XXXX has been deleted but an extra XXXX remains. There is an erroneous inquiry on XXXX/XXXX/XXXX by the same bank. The bank reports they have opened an investigation with the credit bureau but it has been more than XXXX days ago and the items remain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: My card was stolen around XXXX XXXX, XXXX and charges are fruad as i confrimed when they called me they blocked my account asked i mail in my drivers license and bank statement which i dont still blocked and there billing me for the fraud for all the fraud charges after XXXX/XXXX/XXXX none after that date was authorized included in this dispute is my id and my bank statement for 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 non-monetary relief
Consumer complaint received 07-12-2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On  XXXX / XXXX / 2017  I paid Hyundai Motor Finance my monthly lease bill of {$380.00} for my Hyundai  XXXX . I had an error on my internet cause the browser to refresh. The payment had came out  XXXX  times causing my checking account to overdraft into - {$900.00} including penalties and fees. I had contacted Hyundai Motor Finance shortly after the discovery of the overdraft. They promised me a refund when I spoke with a representative. I contacted them again a couple days later and I spoke with a representative to find out when the refund will be, because myself and my family are hurting so bad financial. The representative said they wont refund me the full amount which is {$760.00} they will only give me {$380.00} and the extra payment can go towards this or next months bill. They also stated it takes 20 days for a refund. I immediately contacted my bank to dispute the charges. It is apparent that Hyundai Motor Finance does NOT fulfill their financial obligations of a refund and this is considered a crime of theft.

Company response to consumer: Closed with non-monetary relief