milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to get a modification on my loan and finished all three trial payments but when I called to see about getting the final modification they told me I was {$3000.00} behind and that it would be 90 days before I had an answer. I do n't know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We had fire in the house and we were safe but we are in the process to get the house rebuilt with the insurance company 's fund. The insurance company had issued fund to the mortgage company which is BANK OF AMERICA. Now, Bank of America is delaying in releasing the fund to pay off contractors invoice. I want to seek help with CFPB. 
This is just to initiate the complaint and I can give more information later. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: a yes I have filed a complaint with the FCC and transunion sent back saying they did not get enough info to solved my disputes -- could you let them know I am speaking about the collection of XXXX XXXX I was so sure all you had to do is what collection did you take off in XXXX XXXX and then put it back on in XXXX XXXX and yes I did filed a complaint in XXXX and the complaint was about the collection and why do you have to contact them when you were the one who removed it again do I have to wait another 7 years

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 11/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (OK).
Issue: Charged fees or interest you didn't expect

Complaint: They say that they told me of the APR of 561. They did say that I would pay {$410.00} a month but did n't tell me that it would be for almost a year and that I will be paying {$4000.00} all together for a loan of {$950.00}. It was n't until the third month that I got the break down of payments and found out that I will be paying {$410.00} a month until X/2018! 

I can not afford to pay that for that long. When they said it was {$410.00} a month I thought it would be for 3 months. 

When I called them I was told that I knew that I would be paying {$4000.00} for a {$950.00} loan. I would have never agreed to that. 

They wo n't help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (Conventional fixed mortgage) with Sortis Financial, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I attempted to purchase a home XX/XX/XXXX. During the approval process the lender discover that ClearSprings was reporting that I had an " open '' loan with them form XX/XX/XXXX. They at some point had bought the XXXX loan that I had on my home. I had never even heard of ClearsSprings the enitre time I owned that home. The property in this case is located at XXXX XXXX XXXX, XXXX, CA XXXX. The house was foreclosed on in XX/XX/XXXX and the company that owned the loan a that time was not ClearSprings according to all the paperwork that I had. I subsequently filed bankruptcy in XX/XX/XXXX and had this loan included in the discharged. The discharge paperwork was provided to the owner of the loan - the loan company that was sending me collection notices on the loan. I never heard another thing about this loan ever from any company. Now all of the sudden ClearSprings still claims that I have an open loan with them when apparently they sold the loan to some other company. I contacted ClearSprings to discuss this and asked them to remove the " open '' status on this loan. The man to whom I talked to in Customer Service found the loan in question and verified they no longer own the loan. He however refuse to remove the " open '' status until I could prove the loan was paid off. They have no legal basis to require me to provide them with anything regarding a loan that they do not even own. I still to this date have never received any documentation from ClearSprings showing ownership of the this ( no wet signature on anything ), no collection notices and they still have not removed this as an open loan. I am unable to purchase a home with this " open '' loan. I can not find anyone in their organization to help or even discuss it with me. I mailed letters and have verification of the loan being discharged in my bankruptcy buy the company that had been sending me collections notices. I have since come into some information that the collection/loan company that they had sold the loan to and had been sending the notices during my foreclosure and that was served during the bankruptcy was Strategic Recovery - which apparently is some collection company owned by the the same company that owns ClearSprings. All I want is for them to remove this loan from any credit agency and what ever credit board that loan companies view when deciding to approve home loans. I lost a portion of my earnst money when I was denied credit during escrow on a home and I still can not purchase a home because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent a dispute to Transunion and  XXXX  in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA

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 01/17/2016 about Credit reporting () with Credit Karma, Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Since " hard entry 's '' are of public record -- I choose that area as the area I wish to dispute. 
I just reviewd my Credit Report completely looking at each section and what it means. I read about the hard credit inquiries and I dispute that XXXX had my permission to check my credit. I called them to ask questions about their services because I was thinking about changing my carrier. I WAS NOT ready to change carriers at that time. Just inquiring about their rates. I DO NOT think I should have a hard entry from them on XXXX XXXX, 2015! I only asked questions over the phone about the rates and promotions that were available at that time. I do not remember being told they were going to check my credit because I was not ready to go to the next step to start service with them and change carriers. If I had been informed, I would have told the agent, " NO! DO NOT Check My Credit! I am Not ready to change carriers yet! '' So, I would like this " hard entry '' from XXXX removed from my credit report. Thank you in advance for your attention to this matter.

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 10-10-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was denied my loan because there is litigation against the HOA of the property I was purchasing. I had requested a letter to be corrected, as the original letter states it is due to my credit score ( XXXX ) and my finances. My loan agent had all the paperwork and was preapproved for the loan. The f/u letter I received stated they did not have my paperwork to the final person and therfore, my letter does not show that my finances were in order and the denial is due to the HOA litigation. .... US Bank has the paperwork which shows my finances and low debt-to-income ratio, along with my credit rating. They sent me a " standard form letter ''. The reasons for not giving a proper letter are due to US Bank not submitting to their own department in a timely fashion to issue a proper letter I am in need of a proper letter of denial to show for litigation purposes against the agent, seller, and inspector to recoup monies lost.

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 03/17/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get loan modification assistance thru Wells Fargo for over 10 months now. Each time I submit documentation for review they continue to request the same information over and over again and claim they do n't have it. I recently reached out to them on XXXX XXXX 2016 and spoke to : XXXX XXXX in the REENTRY DEPT XXXX where he requested documents for review. He stated upon receiving the documents as long as they were uploaded and received 8 days prior to my foreclosure scheduled date of XXXX/XXXX/2016 they would postpone. 
I submitted 100 % of requested documents but after faxing them in on XXXX XXXX 2016, they stated they all documents requested were not received. The initial list of documents they requested on XXXX XXXX changed so when I recently called them the list of documents changed and stated the file was incomplete, I feel they purposely added more documents in their notes so that my file would be incomplete. 
I have requested a reinstatement quote over 30 days ago and have yet to receive it. Documents where faxed to Fax # XXXX In addition to this issue each time I am denied they fail to provide me with letters stating why and do not give me the opportunity to appeal their decision, when I do ask for copies of the letters they state they were mailed but yet I do not receive them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: GULF COAST COLLECTIO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX Fax : ( XXXX ) XXXX. 
Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify GULF COAST COLLECTIO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : GULF COAST COLLECT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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: XXXX   XXXX   XXXX , MN  XXXX   XXXX , has submitted to all  XXXX  credit reporting agencies that this account is owed, I have contacted  XXXX  about this and told me they would research it ( which was  around 3-4 years ago and nothing. I have con tacted all  XXXX  credit report agencies and they have not done anything about it by removing  it ( onl y they added a comment : : Consumer disputes this account information ) which is harming my credit and has now for several years. please 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 non-monetary relief
Consumer complaint received 06-10-2015 about Student loan (Non-federal student loan) with GREAT LAKES (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This complaint concerns a private student loan held by XXXX and serviced by Great Lakes. I began paying on this student loan in XXXX XXXX. From XXXX XXXX to XXXX XXXX I made every payment and additional payments worth about {$5500.00}. I made additional payments because of my plans to get a XXXX ; by making payments ahead I hoped to avoid making payments while enrolled as a XXXX student. Before describing the substance of this complaint I note that I had another student loan which I paid entirely during the XXXX period. I was scheduled to begin graduate school in XXXX XXXX. 
In late XXXX I called Great Lakes to ask about deferment. In particular I wanted to know if my best option was to go onto deferment or wait until the time in which I was paid ahead ( at this point, about XXXX years ) was over and then go on deferment. I explained that I was enrolling in graduate school and wanted to avoid payments if at all possible. 
The customer service rep explained that I should go on deferment and any period in which I was paid ahead would simply be begin at the end of my deferment period. In other words, after deferment I would still have roughly XXXX years in which no payments were required. 
In XXXX of XXXX Great Lakes informed me that I was out of deferment and I would have to resume making payments ; they explained to me that the payment clock resets after deferment and any time in which I was paid ahead is nullified because of the deferment. The customer service rep I spoke to in XXXX had apparently provided me with bad information ; I had been told my " paid ahead '' period would begin after my deferment ended but now, according to representatives at Great Lakes, this is not the case. 
I am in the curious position of being paid several years ahead on a loan yet simultaneously having monthly payments. Because I am still a XXXX student I struggle to make the monthly payments ( I should be done within XXXX months to a year ). 
I feel that this situation is largely the fault of Great Lakes. I was told bad information by a customer service representative in XXXX the thousands of dollars that I paid ahead have all but vanished now. 
Great Lakes has been non-responsive to my requests. I have been unable to contact anyone in the company besides front-line employees. I believe that because I am paid ahead on my loan by XXXX dollars, and because Great Lakes has given me bad information, I should be given a period of time in which I do n't have to make payments or perhaps I can make reduced payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (IN).
Issue: Struggling to pay mortgage

Complaint: To whom it may concern, Im filing a complaint against my mortgage servicer Cailber Home Loans (CHL ) due to multiple foreclosure violations that relate directly to the National Mortgage Settlement (  NMS ) which is the largest consumer financial protection settlement in US history. XXXX XXXX XXXX My loan is owned by XXXX ( XXXX ) and being serviced by CHL, which means automatically by default CHL, is obligated to follow the terms of the NMS of XX/XX/XXXX. 
Under the terms of the NMS, which involves CB, it is prohibited to move forward with foreclosure  while in possession of a full loan modification request package. On or about XX/XX/XXXX, a full request package including all applicable financials and other requirements was faxed to CHL, and confirmed that it was received by unknown agent of CHL, XX/XX/XXXX. As of XX/XX/XXXX, CHL advised me that a sale date was still pending and that it was too late to review me for modification assistance because my pending sale date is within 37 days of my request. This is untrue, because the documentation was submitted in time for a review however CHL, has not timely uploaded my documents and as a result my family and I are paying a steep price for the error or oversight of CHL. These violations of abuse also infringe against homeowners rights laws which govern the State of Indiana. We are also filing complaints with our attorney general XXXX XXXX and Indiana Department of Financial Institutes commission for lender fraud and loss mitigation abuse. National banks were required to regularly report compliance with the settlement to an independent,outside monitor that reports to state Attorneys General. Servicers had a duty to pay heavy penalties for non-compliance with the settlement, including missed deadlines. Furthermore per the CHL, has also failed to adhere to a settlement conference, which is a face-to-
face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. )

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (I do not know) with The CBE Group, Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My parents have been receiving 4-5 calls per day from a debt collection company that says they 're from Iowa. They are asking for information on someone who does n't live at their house, but has the same last name. My parents have kept a log from the start, and this company has called over 60 times in the last month, as early as XXXX. The company will not divulge any additional information. My parents have all the names and phone numbers of those who have called.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: We moved in on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on a month to month bases and no contract. We were in the process of buying a home, we left the apartment onXX/XX/XXXX. We then found out that they were trying to charge us with the amount of XXXX dollars for a dirty stove and a few stains on the carpet, yet the apartment we received already obtained old appliances and an old carpet. This charge was sent to collections without any notice a dispute was then claimed upon us in our credit report, we are stating that we do not dispute this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In the Collections section on my credit report from Equifax dated XX/XX/2017 it shows I have two collections from the same company, which is the exactly same account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: I made several complaints against Wells Fargo in the past 2 years, my 2 last ones are left unanswered by the bank ( complaints XXXX and XXXX ). Last week, my attorney had to call Wells Fargo about the mortgage payoff statement. Guess, they did send it to the other bank since XXXX/XXXX/17 and was waiting for a confirmation. I can not understand a bank to bank would take that long. Even, why after a week they did n't call to make sure that the other party had received the money. It must be at least a couple of XXXX XXXX of dollars. If that does n't bother them why can not they pay my legal fees for the entire process? It wo n't call that much. What about me? I have been fighting for this for so long. Noone cares to reassure me ; they just let me worried and desperate. It is wrong, really wrong. 
As of this hour, they still did n't send me any confirmation. XXXX XXXX called me but no written document to confirm the transaction. By the way, when will the mortgage satisfaction be recorded? That shows again Well Fargo insensitivity towards their customers. It is really a pattern for this company. I was shocked today when I read something online about them again. In a letter to Acting Labor Secretary XXXX XXXX, Senator XXXX said she noticed on Tuesday that the site ( www.dol.gov/wellsfargo ) was gone and contained the words " Page Not Found. '' Yes, it is true. I just checked and it was still down. This is upsetting. Who is going to help us, the little guys?

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 monetary relief