milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Regarding Case # XXXX of XXXX US BANK has filed a NOTICE OF ENTRY OF DEFAULT AND JUDGEMENT OF FORECLOSURE against me even though I have given them all of the information needed, over and over again.The bank continually drags out the process so more information is needed after XXXX days.I would like to have it resolved in a timely manner.I am always assured that " this should move quickly '' and get a decision, but after XXXX years, that is not the case.In XXXX 2015, XXXX XXXX was relaced by XXXX XXXX as my Relationship Manager even though later bank paperwork continued to show him.I sent all needed paperwork for the loan modification on XXXX and was told by XXXX XXXX that everything had been recieved by e-mail and we were good to move forward on a decision.Imagine my suprise to be served with a foreclosure summons on XXXX XXXX! After contacting the bank on XXXX XXXX, I believe that date is correct.I was told that said documents were not in the US Bank computer! I promptly re-sent them to another US Bank e-mail address and also to XXXX XXXX 's e-mail again.the current dispute is over monthly income from XXXX XXXX payments and XXXX per month of XXXX benifits.The bank had current and timely documents of said proof of this.Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Struggling to pay mortgage

Complaint: I had a 3month arrangement set for XXXX unfortunately my brother relapsed stole the money so I called nation star now Mr.Cooper XXXX XXXX said if I pay XXXX we would not go into foreclosure I told him I would get the rest I needed from fiancee.boss n it will b in bank acct by XXXX next day he said for me to give verbal consent as they would n't take $ out right that moment., so I did he reassured me that would stop foreclosure n call in about a week to move forward a week went by the XXXXwas still in r account I called XXXX n he said it went into foreclosure anyway suddenly changed his story saying I stated to him I did n't have the $ which is a lie .so after numerous attempts we are n't eligible for a loan modifications as its no longer based on hardship n I expressed that it is n't right that I trusted there representative as I 'm learning as I go n they r saying oh well we want over XXXX even tho of course I made my brother accountable he XXXX XXXX. I am XXXX XXXX, my children ( XXXX ) father XXXX so XXXX moved back home, my fiance had to take a job @ $ XXXX a week to secure a paycheck n homes been in his family over 100 yrs. I filed a complaint today but rep XXXX XXXX told me it wo n't matter n ultimately we r going to lose r equity n home.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent a XXXX XXXX XXXX a creditor 's validation letter to inform me about the collection they have in their office under my name. Accordingly to the FDCPA they had 30 days to respond back to me but they fail to do so. They were supposed to contact TransUnion Credit Reporting Agency in order to remove the debt from my credit report. Below are the documents I sent and the tracking Information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I was forced to get go and get my Transunion credit report and their website is very very confusing and in the end I supposedly got signed up for something that costs {$17.00}. Once I saw this I logged into the TransUnion website and tried to find what it was and cancel. But I was unable to. So today I called them and I spoke to a sweet girl that I could barely hear or understand. She did acknowledge the charge and told me I had been signed up for a week trial of some sort that ended up with me getting charged XX/XX/XXXX/mo. 
I was able to tell her I did not want it and she canceled the service. But due to how hard it was to hear and understand her I was unable to get my money back. 
I really dont know what this was for and I would like my money back. All I have is what shows up on my checking account : XXXX XXXX, 2015 TU *TRANSUNION XXXX, CA , US - {$17.00} TransUnion does not allow for contact besides over the telephone and Id rather try to avoid that nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX confirmed they are no longer reporting an account on my credit report and should be deleted. 

XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have multiple missed student loan payments on my credit report from previous years back that I was not aware of. I never received any information about paying my students loans. The history even shows scattered months on on time payments and then months where the account was past due for 30-90+ days. Im not sure when I started being held accountable for these payments. Once it was brought to my attention for the first time I immediately contacted the company for deferment due to me not being able to afford these payments at the time.

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 10-05-2015 about Prepaid card (ID prepaid card) with NETSPEND CORPORATION (MI).
Issue: Fraud or scam

Complaint: My ebenefits account was compromised and changed my direct deposit from my XXXX bank account and transferred my funds to a prepaid netspend card and used this card to withdraw money from the atm XXXX, which I stay XXXX. I never authorized this transaction and would like this matter to be resolve.I also would like to NetSpend to be investigated because I followed the FTC guidelines and forward all pertinent information to them, but I got only a hard time and told that they never received my fax of my documents after I sent them numerous times.I called numerous times and requested a supervisor because the customer representatives do n't speak XXXX which I find kind of odd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 filed a dispute with Experian about account number XXXX reported by the XXXX XXXX XXXXXXXX XXXX.in a amount of {$880.00}. I told Experian that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan Number- XXXXThe last complaint and this new complaint is not duplicates? 
1.I paid XX/XX/XXXX and XX/XX/XXXX. The credit bureaus are showing 90 and 120 days past due! You have not corrected this! What does Wells Fargo NOT understand.This I believe has become Personal.I will continue to address and complain about this issue until YOU correct it and make it right! 
2. Your loan rep XXXX told me on a recorded line it would take approvimately 2 weeks for the modification. When will Wells Fargo stop ignoring this and take accountablity for what XXXX told me.WHY SHOULD XXXX and myself SUFFER because of his mistake. I was told well XXXX you could have canceled it NO NO NO my credit was already ruined I had no choice! 
He works for Wells Fargo therforee you are responsible for your employees and what they communicate to the customers Correct? YES or NO? 
Therefore what are you going to do to make this issue right. 
You should n't just ignore and act like oh well mistake on XXXX 's part the XXXX 's will just have to wait it out on their credit Bureaus! 
Is this the right way to do business and take care of your customers. 
I will continue to work on this issue until it is justified. 
This is not a duplicate handle the XXXX issues Do not tell the public a lie and just ignore me Handle this the right way! 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Unknown debt as I do not owe on any medical bills false information

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Managing the loan or lease

Complaint: i gave santander consumer usa the vehicles back i agreed to not challege the guy when he pick up the vehicles. I have since started to pay some of the money back i pay them XXXX dollars per month. I m a retired postal worker XXXX dollar is all i can afford at time. the problem is the account is a charge off account. Every month they are still putting a negative report on my account. this account was charge off in XX/XX/XXXX.By law can they continue to give a negative every month like they are during.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (SC).
Issue: Other transaction issues

Complaint: I have been trying to transfer funds from a car buyer who insists that we use PayPal to complete the transaction. 
I find Paypal very deceptive in it 's description of it 's services. I have called PayPal customer service numerous times & never told the entire procedure to xfer money. For example : their web site allows you request set up for a " Friends & Family '' money transfer & send the request to the other party. However when the sending party tries to send the requested sum they get a message that the precipitant ( me ) is not a " Verified Member '' & blocks the transfer. 
This is true, to be a Verified Member I must provide Paypal with my Bank account information & they offer XXXX options : Instant Verification & a second method. I chose the second method because the Instant choice requires you acknowledge their " Term & Conditions ''. Upon reading it, I learned that I would be granting them a Power of Atty over my accounts & if I were to take legal action against them I would have to pay their legal expenses. Not acceptable & deceptive! 

When speaking to the Customer service people, who are very courteous but perhaps not fully knowledgeable, I was told, " that requirement was found in your Terms & Conditions Agreement ''. Upon further discussion with the last customer service rep. I press to find out if there were any other impediments to allowing this transaction go forward. I was told " I must confirm my email address '' before the transaction can go forward. 
Paypal allows people to start transactions but does not inform you that additional requirements must be met for complete approval.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A debt with XXXX was deleted then reinserted on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, 2017 XXXX XXXX SUBMITTED A HARD INQUIRY ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I p
ay with Auto Payment. When I make an addit ional payment to Loan A, I state to " Not pay ahead the account '', either with a separate piece of paper or using the company 's online option. This is what Navient has told me to do several times. Almost EVERY TIME, Navient " pays ahead '' Loan A s uch that : -I get an email saying my payment will be lower this month -The Auto Pay amount ends up being the same ( it is not, in fact, lower ). - The amount of the payment that is allocated to Loan A is reduced from {$100.00} to {$25.00} ( this is regardless of how much the extra payment was - typically around {$500.00} ) This is documented in the attached file as happening on X/XX/17, X/XX/17, XX/XX/17. Each time there is a misallocation, I contact Navient and typically receive a correction with 1-2 calls. Additionally, the amount allocated to each loan occasionally varies, for no reason that I know of, and with no explanation, as on XXXX/XXXX17 and X/XX/17. ( I have been making extra payments on Loan A starting this year - I made extra payments on Loan B ( XXXX Direct Plus XXXX ) for the last 2 years with the same problems )

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (IA).
Issue: Managing the loan or lease

Complaint: I have previously submitted a complaint against this company which resulted in them finally contacting me to get the issue resolved. I asked them the full balance remaining on the account and immediately paid the account in full. The account was supposed to have been closed. Several weeks ago I received a statement from them which indicated I had a balance of {$27.00}. I immediately called them and asked how that was possible considering I just paid the account in full. They stated that after I paid the account they added another {$25.00} late fee ( from the original issue of my not receiving statements from them XXXX. They removed this fee and stated that I had a XXXX balance and the account is closed. They apparently then proceeded to report to my credit that I had made another late payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2016 about Consumer Loan (Installment loan) with Colony Brands, Inc. (GA).
Issue: Problems when you are unable to pay

Complaint: I GOT BEHIND ON THIS ACCOUNT BUT HAVE BEEN MAKING PAYMENTS. I HAVE ASKED THAT MY CREDIT REPORT BE UPDATED ACCURATELY AND THEY ARE SAYING THAT THEY ARE REPORTING CORRECTLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently reported to the Better Business Bureau that XXXX XXXX was reporting incorrect information to the three credit bureaus ( XXXX, XXXX & Equifax ). After the BBB notified XXXX of my complaint, I was made aware that my credit score had dropped 22 points due to XXXX XXXX reporting a new collection on my credit profile. I have not incurred any recent debt so I contacted the bureaus to inquire about this debt. I was advised that this debt is for the same account number that was being reported since XX/XX/XXXX. XXXX XXXX is reporting this debt as of XX/XX/XXXX, which is considered re-aging my account and is illegal. In addition to this, they continue to report Inaccurate information such as : balance owed, date of last payment and my payment history. I have asked this company to repeatedly correct these errors but all of my request have went unanswered. Im asking for your assistance in stopping this company from continuing to do these illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted an application for a short sale in XXXX XX/XX/XXXX To this date, 15 months later, I have gone through XXXX realtors and XXXX buyers waiting for Wells Fargo to simply submit the information for processing. I submitted all requested documents in XXXX of XX/XX/XXXX. Each month, I would get kicked out of the short sale process just to be put in again and start the process of faxing over again of tax returns, bank statements etc. Each buyer has backed out of the deal and my realtor has confirmed that the buyers have gone elsewhere to purchase. I have had XXXX or XXXX Wells Fargo negotiators, XXXX Home Preservation Specialist and at least XXXX processors. Processors do not return phone calls and nor do Home Preservation Specialist. It took me over three weeks to get a payoff because the XXXX " Team '' would not call me back. My concern is that they are simply trying to wait me out until I quit but I am going to see this out until the end simply because their process is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Other financial service (Foreign currency exchange) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect exchange rate

Complaint: In looking to exchange foreign currency, I found that Bank of America publishes one rate on its website available to public viewing ( a very favorable rate for the consumer ) and an entirely different rate on its account holders-only website when one logs in to actually make an exchange ( a much less favorable rate ). One can not order the foreign currency through the open-to-the-public site ; orders can only be placed once logged in. Even now, the rates shown in real time across the two website are significantly different ( a difference of approx. 15 % ). 

In short, I was baited by BOA 's favorable rates published online, and I went through the trouble and expense of opening an account in reliance on that rate. Once an account holder and able to actually place an order for the foreign currency, I was shown the significantly higher rate.

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 11-11-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX XXXX is the manager of my loan officer XXXX XXXX at Bank of America. I started to contact him regarding to my loan when XXXX XXXX was gone for vacation. I was told by XXXX that I could use my business fund to pay down payment and got a lower interest rate before he took vacation. I called XXXX XXXX and explained what XXXX told me. XXXX XXXX started to act as he was the boss. We just need to do what he asks. He does n't agree to give lower rate. He requested me to send all the invoices to my customers for a whole past year to prove my business fund is good fund to use to pay down payment. I did what he requested, sent all the invoices to him by email on XXXX XXXX. I followed up with emails and phone calls. But he never responded, and never gave any explanations. 

The loan was closed on XXXX and we never got lower interest rate as promised without any explanations. We are paying 0.25 % higher interest rate, about $ XXXX $ XXXX/month for mortgage payment now. 

XXXX XXXX is unprofessional and lack of professional ethics. He does n't have respect to other people and he treated his customers as his staff without respect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: please find attached the documents and my dispute letter for XXXX of my fed loan accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation