milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (TN).
Issue: Trouble during payment process

Complaint: Hello I 'm concerned Father, To start out on XX/XX/XXXX our XXXX year old son was diagnosed with XXXX XXXX, my wife has been off work since that day to be by his side and take care of him and get him back and forth to his appointments while I have been taking care of his XXXX brothers, and try to continue to work in XX/XX/XXXX my work went down to four days which put that much more stress on us.Around XX/XX/XXXX my wife met with a social worker at XXXX XXXX 's hospital and she was able to help us with a couple of bills through a foundation they have for families with kids that have XXXX. She got the papers summited to the XXXX XXXX the following week. I was having the check from the XXXX XXXX sent to Penny Mac where my house is financed and I emailed them on XX/XX/XXXX and told them the situation and how I wanted the money to be applied to my mortgage payment.The check from XXXX XXXX 's hospital was for XXXX and I wanted all of XX/XX/XXXX payment made which was XXXX and the other XXXX applied to XX/XX/XXXX payment and I would send the other part of XX/XX/XXXX maybe by then work would be picked back up. Penny Mac emailed me back on XX/XX/XXXX telling me they would do as I requested, I emailed them again on  XX/XX/XXXX and ask if they had received the check they emailed me back on XX/XX/XXXX and said they have n't received it emailed them again on XX/XX/XXXX and they returned my email on XX/XX/XXXX that they still have n't received the check I emailed them again on XX/XX/XXXX and still they are telling me there is no check on XX/XX/XXXX they emailed me and told me a payment was made but they held it out of my checking account there was still no check. I emailed social worker at XXXX XXXX 's hospital and she got in touch with the XXXX XXXX and they was showing that Penny Mac had cashed the check from XXXX XXXX 's hospital on XX/XX/XXXX but I 'm still told they have n't received it. I was trying to do the right thing and make sure my house payment got paid and we did n't get behind or lose our home but Penny Mac still withdrew my payment from my checking when I really did n't have enough in there for them to do that and still have enough to live on. I am still wanting to know where the XXXX check is and want it applied to XX/XX/XXXX payment and part of XX/XX/XXXX please help my family out with this. I will try to send the copies of the emails and check

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Private student loan debt) with Northstar Location Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Attached is the collection Agency that is trying to collect on a fraudulent student loan that was signed by XXXX college in XXXX XXXX consolers ' have tried for the last 12 years to have this matter corrected. XXXX  College went out of business because of these same fraudulent action. I have filed complaint with the federal government as well as State I even spoke to California Attorney general office who contacted me when Senator XXXX XXXX was investigating the matter. I was told that XXXX  college had broke the law and I was n't responsible for this fraudulent act. Now this collection agency keep trying to collect on this matter. Attach is the most reason complaint that was filed against XXXX XXXX  about XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (WY).
Issue: Shopping for a loan or lease

Complaint: On XXXX XXXX, 2016 I contacted XXXX XXXX XXXX to purchase a 2016 XXXX XXXX Pickup Truck. The Finance Manager that took my credit application was XXXX XXXX. ( See Attached E-Mail with Information ) I told Finance Manager up front that I was a Victim of Identity Theft, had a 7 year Extended Fraud Alert on my Credit Bureau Reports, and no loan could be considered until I was personally contacted by any lenders. On XXXX XXXX, 2016 XXXX XXXX confirmed my Financing was approved from lender XXXX. I took delivery of vehicle on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. I was completely unaware they were a Lender that XXXX XXXX XXXX sent my Credit Application for consideration. I was NEVER contacted by a Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( 2 ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with ( XXXX ) Major Credit Bureaus XXXX, XXXX, and XXXX. Neither of the other ( XXXX ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Student loan (Private student loan) with SLM CORPORATION (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Sallie Mae is quick to charge me ridiculous rates for my student loans, putting me into massive debt, but they ca n't adhere to their own customer service policies. On their website, which is the only way to get information about them, it states the wrong phone numbers and wrong operation times. This makes it nearly impossible to pay my loans on time on a regular work day schedule. After an hour going through an automated phone message, which had no options for speaking to a representative, only by going through the " change address '' customer service number was I able to find out that they closed 8 hours prior to when the website says they 're open until.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Credit card debt) with H. Kent Hollins, Attorney at Law, P.A (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I informed   XXXX   XXXX   XXXX   XXXX   of debt they tried to collect on behalf of core first bank and trust. for {$830.00} in  XXXX . That debt was the result of fraud and I had notified the bank and the credit bureau. I disputed the debt on my credit report and the bank agreed the debt was fraud and had it removed from my credit report. Now for whatever reason that debt was sent t o Hollins H Kent. I imformed the m that the debt was takin care of and removed from my credit report. They told me that they didnt care and that I owed  XXXX   XXXX  kent now. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Credit decision / Underwriting

Complaint: On XXXX I found the home of my dreams and placed a down payment of {$1500.00}. XXXX I had an inspection done on the home shortly thereafter I submitted all of the documents that was required. In XXXX there was a extension submitted and agreed then XXXX another extension submitted and another in XXXX. The bank has not completed the second part which is for the first time Home buyers grant.. My realtor nor the mortgage broker have been communicating with me to inform me what the hold is leaving me in the dark.. After calling numerous time still no clear answer on what the problem.. The mortgage I applied for was approved home was inspected and now we 're in XXXX well pass the XXXX days they said feeling taking advantage of and seeking helping

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: There is a bankruptcy in my file, I have reached out to the XXXX XXXX XXXX XXXX XXXXor validation of which they do not offer. Per FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not validate the information with the originator, they must remove said information from the consumer credit file. Letters were sent to XXXX and Equifax on XXXX/XXXX/2017 with a copy of letter from XXXX XXXX XXXX XXXX stating they do not report to credit reporting agencies. Please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Consumer Loan (Vehicle loan) with Mid-Atlantic Finance Co., Inc. (TX).
Issue: Taking out the loan or lease

Complaint: I XXXX XXXX from XXXX auto finance XXXX Texas. After making a couple of payments, they informed me that they had sold my car loan to Mid Atlantic Finance company. 
After two months, XXXX auto finance came and repossessed the vehicle because i owed {$610.00}. When i called them ( XXXX ) together with Mid-Atlantic, XXXX auto acknowledged that they have taken over the car from Mid Atlantic and that i should make payments to them. On the same day i called Mid-Atlantic and they informed me that they had sold the car back to XXXX XXXX XXXX and that if i have any questions i should direct it to XXXX. Following these conversations, i went ahead and made payments and was given back the car. I am current to date. From then it has been a nightmare. Mid-Atlantic finance has been calling me telling me that am late on car payments yet i have been making payments to XXXX XXXX. Today XXXX/XXXX/16 Mid Atlantic reported that am 60 days late but per their statement, i should make payments to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a modification from Wells Fargo and again they have just strung me along? I have a detailed letter to attach to explain in more detail of the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX from XXXX called saying I was going to be summoned on XXXX counts of fraud with check n go and has called family members who are not associated with payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (FHA mortgage) with CAPITOL TITLE INSURANCE AGENCY, INC. (MD).
Issue: Settlement process and costs

Complaint: I Purchased a home XX/XX/2014 ... the title company I used for closing was suppose to record the title with XXXX XXXX XXXX XXXX. It is now XXXX and the title was never recorded. I was trying to refinance with my current lender for lower payments and rate, but due to the title company not having my title recorded my deal had to be rejected because they have been dragging their feet in recording my title. 
TITLE COMPANY : CAPITOL TITLEXXXX XXXX MD XXXXCONTACT : XXXX XXXXCONTACT NUMBER : XXXX

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 12/18/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (CO).
Issue: Account opening, closing, or management

Complaint: I was never late on a payment but because of their records and mistake they inaccurately put a 30 day late payment history on my credit report and have refused repeated attempts to remove it through communication with them and also filing disputes with the bureaus. I need the late payment history removed because I was never late and it is jeopardizing my credit score and my ability to get a home loan at the rate for which I should get.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The CFPB recently resolved a dispute ( case number : XXXX ) for me with XXXX XXXX XXXX, regarding a debt that I did not owe. They called to collect {$1600.00} on behalf of XXXX XXXX. However, XXXX XXXX is not legally entitled to collect this money from me, and so neither is XXXX XXXX XXXX. I therefore asked the CFPB to help me file a claim against XXXX XXXX XXXX, which the CFPB did. Indeed, the CFPB ordered XXXX XXXX XXXX to relinquish their claim, and I wish to thank the CFPB for that. 

However, XXXX has attempted to go around the CFPB by passing this same debt on to North Shore Agency. I have contacted the FCC regarding XXXX 's actions, and am now also contacting the CFPB to request that North Shore Agency cease attempts to collect from me. 

Further details of this case are available in the complaint I filed with the CFPB on XXXX XXXX, 2015 ( case number : XXXX ). I have filed similar complaints have been filed with XXXX XXXX, the FTC, and the FCC.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (AR).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I feel as though I should not have been approved for this loan. Its an extremely bad loan that Im in and Im needing to give the car back. The income calculated for me was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Application, originator, mortgage broker

Complaint: WE HAVE AN ACCEPTED PURCHASE AGREEMENT ON A MANUFACTURED HOME FOR {$130000.00}. WE ORIGINALLY GOT PREAPPROVAL THROUGH XXXX XXXX FOR LOAN AMOUNT OF {$76000.00} AS WE WOULD MAKE DOWNPAYMENT FOR THE REMAINDER, BUT WAS DENIED DUE TO FACT THEY DID N'T MORTGAGE MANUFACTURED HOMES IN INDIANA. OUR REALTOR ASSURED US WELLS FARGO BANK FINANCES MANUFACTURED HOMES ALL THE TIME AND HIS REFERAL WAS TO A FORMER COWORKER AT THE REAL ESTATE AGENCY WHERE OUR REALTOR WORKS AND XXXX KNOWS FROM REALTORS ' PERSPECTIVE AND THE BANKING/FINANCING SIDE TO GET THE FINANCING DONE FOR XXXX. SAID IT WILL BE A `` SLAM DUNK ''. OF COURSE WE TURNED OVER ALL DISCLOSURE DOCUMENTS AND PAID FOR XXXX INSPECTIONS PER FANNIE/FREDDIE GUIDLINES FOR MANUFACTURED HOMES, AS WELL AS AN APPRAISAL. PROBLEM BEGAN WITH APPRAISAL UNACCEPTED BY UNDERWRITTING AS THERE WERE N'T ENOUGH VALID CAMPARABLES TO JUSTIFY VALUATION. I CONTACTED APPRAISER, WHO CLAIMED APPRAISAL WAS GOOD AND MEETS THE GUIDELINES AND THAT WELLS FARGO SHOULD ACCEPT. I COMPLAINED TO WELLS FARGO AND SO MY REALTOR SENT COMPS FROM AN OUTSIDE AREA FOR CONSIDERATIONS. THEY WERE DEEMED INFERIOR. SO LOAN DENIED ON TECHNACALITY AS WIFE AND I ARE THROWN UNDER THE BUS DUE TO UNDERWRITTING/APPRAISER UNDERSTANDING/INTERPRUTATIONS.

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 09/22/2015 about Student loan (Non-federal student loan) with SIMM Associates, Inc. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I took out a private student loan with my father as a co-signer through XXXX XXXX XXXX ( XXXX ) while attending XXXX University XXXX. After I withdrew from school, I used used up all the deferrment and forbearance options while trying to work and pay off loans and living expenses. At the moment, I am 147 days behind on my monthly loan payments through XXXX. I have spoken with them and they are attempting to work with me to keep my loans out of default. However, both me and my father are also being continually contacted by agents from Simms and Associates, a collection agency out of XXXX, who says that they are servicing this same debt and seeking payment. They keep telling us that we must make some sort of immediate payment to them to keep the loan from defaulting, going " outside their office '' and causing them to seek a judgement against both my father and myself that would include garnishing my wages and taxes as well as garnishing both my father 's social security payments and his pension. I have repeatedly told the agents from Simms and Associates that I am working directly with XXXX and they tell me that my loans are not in default at the moment and that they are currently not seeking any judgements against either me or my father. Nevertheless, the agents from Simms and Associates maintain that I am to pay them and not XXXX directly in order to avoid garnishments. 

What I would like to do is keep working with the service providers at XXXX to keep my loans out of default, but I am unsure if I should take the threats from Simms and Associates seriously and, if so, if I should be making payments to Simms and Associates or keep making payments to XXXX. Furthermore, I would like to make myself as the primary person responsible for this debt the contact person for all calls, letters and other communication and stop them from harassing and threatening my XXXX father about garnishments on his social security and state pension. 

I hope there is some way to find a solution to this problem that will work for everyone involved? I am more than willing to make payments on these loans, but I need them to be payments that work within my budget and place responsibility entirely on me and stop the harassment and threats to my father.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SCA Collections, Inc. (FL).
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 submitted a request to have a medical debt removed from my credit report. I had previously asked for validation, even though the collection agency states I did not, and had not received anything until 4 days ago. Upon opening the envelope, I was shocked to see a statement of procedures I received from XXXX XXXX. I have no problem paying what they state I owe, which I also dispute but will just eat it and pay, but I feel a Hipaa violation has occurred with a list of my medical procedures being sold to an agency for collection. Furthermore, XXXX XXXX XXXX XXXX is not licensed to collect in XXXX, Florida.

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 12/17/2016 about Debt collection (Auto) with FORD MOTOR CREDIT CO. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling XXXX Times a DAY between XXXX and XXXX, for the last XXXX weeks. I am only XXXX weeks behind on the rest of my payment of just over {$70.00} ( I paid most of it on time but did n't have enough on hand to cover it all ) This is awful, distracting, I 'm unable to focus on my work and what 's worse is that it 's automated so it fills my voicemail with the same message!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. ().
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My data was included in the recent Equifax data breach and accessed by malicious people. This puts my personal information at risk ( social security number, previous addresses, possibly credit card information ). Equifax did a poor job at securing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I called in and ask them what bank and account number to the check was cashed into and they would not give me an answer which is something that the bank would have. They are not providing me with any Bank information which is pertinent to knowing who took the money out of the account and where the money went into

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 02/13/2017 about Debt collection (Payday loan) with Finkelstein, Kern, Steinberg & Cunningham, PC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: In XXXX of 2015 according to XXXX my account was closed out. Their attorneys continue to take money from me through XXXX County courts without XXXX consent. The law firm Finkelstein, Kern, Steinberg & Cunningham robbed me with Bank levies and garnishments after the case was closed and paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with M&T BANK CORPORATION (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I provided a sign on bonus for employment and was told that leaving within a year I have to pay it back depending on when, my offer letter did not state anything about paying the bonus back in full. I left the company after 9 months because the culture and organization is terrible. During my exit no one even mentioned anything about the signing bonus being repaid. I then received a letter from the M & T Bank collections group demanding that I pay the amount back and when I called, XXXX XXXX who I spoke to, was rude and not willingly to negotiate, which I was willing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX/XXXX/XXXX. {$340.00} and i contacted the company on two occasions about the matter. my last contact was XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief