milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am a teacher by trade and had stopped teaching to take care of my elderly parents who haverecently passed. I had contacted my mortgage company PNC to get a equity loan to survive until I could get back on my feet. PNC stated they do not do equity loans and would need to find another institution to help me. To no avail I could not get loan without a job. I had good credit so I took out a personal loan of XXXX. In XX/XX/XXXX.I contacted PNC again to apply for the HARP loan. I completed all the packet and waited about a month. I was told they did not know I lived in Texas and I was disqualified from the program since I had taken cash out for an AC in XXXX, I then was told about the HAMP, but I needed to be delinquent in my payments so this is MAY now and they needed another packet. School is now out for the summer and I needed to completed another packet.I am now delinquent as they asked. The situation gets worse now I am in foreclosure and today they want XXXX to make 3 months current now. Please Help! This is my home and I plan to stay and live here. I did what they had asked and they are not helping, they are trying to take my home from me. 

Texas

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I have multiple inquiries from this company showing up on my credit report from the days listed below. I did not authorize these inquiries. XXXX has sent out letters on my behalf to request removal on two occasions. I am a victim of identity theft and I need these inquiries removed as it is messing up my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Dear TransUnion, Please remove the following name from my report as it does not belong to me and is being reported in error : Wrong Name : XXXX XXXX. Attached you will find a copy of my state issued drivers license. I will wait for an updated copy of my credit FILE to reflect this change. Thank you in advance. Sincerely, 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 06-04-2015 about Debt collection (Medical) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving letters from Thunderbird Collections Specialists Inc in regards to a medical bill that my fianc had with XXXX XXXX XXXX. This company has tried to report this to my credit report and saying that my last name is my fiancs which it is not. I have advise the collections agency that I am not responsible for this account since we are n't married at this time and that they needed to remove it off of my credit. I advise them to not contact me to my cell anymore. A few days goes by and they continue to contact me about this account, advise them again to quit contacting me. It has been weeks since the last call I have received, now I come home from work to get a treating letter that is address to me " who 's not responsible for the debt '' ... .... and the letter state " YOU HAVE FAILED TO MAKE ACCEPTABLE ARRANGEMENTS WITH US REGARDING THE ABOVE REFERENCED ACCOUNT. WILL IT BE AGREEABLE WITH YOU FOR US TO CONTACT YOUR EMPLOYER AND ARRANGE TO HAVE THIS DEDUCTED FROM YOUR SALARY BY MEANS OF A VOLUNTARY WAGE ASSIGNMENT? PLEASE REPLY IMMEDIATELY .... SINCERELY, THE PERSON NAME '' which is a treat to me and will not be stand for!!!! This account also should had been covered by her insurance from XXXX XXXX XXXX XXXX XXXX XXXX, which had fraud and internet breach around the time that they are saying it was n't paid. I am including XXXX different letters that have been sent from this company and that I view as collections treating.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (I do not know) with Delta Management Associates, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting phones from  Delta Management , foreign man : who calls just about everyday, home number, cell number and work number. I ask him who he is representing, cause I do n't owe anything to  Delta Management , but he refuse to say until I verify my personal information with him. I refuse to verify my information, cause once again ; I do n't know who he is representing. Also, I have had some of my social media ( facebook friends ) call me or text me to tell them that this man has been calling them to ask about me and my personal information. He would ask them where I work, where I live and do I have any other phones number to be contacted on. I do n't even see these people or talk to them on a regular basis and I felt bad that he has bothered them. So I did put a fraud report on facebook for this company.

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 07/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XX/XX/XXXX, I borrowed {$10000.00} to complete my XXXX XXXX degree. I have been paying what I can afford, in some cases more than I can afford, and applying additional payments to drop my principal amount owed for the past 9 years ( total amount of payments : {$8800.00} ). To date, my current balance with Navient is {$9900.00}, less than {$300.00} from what I originally borrowed, despite my thousands of dollars in payments and additional payments towards principal over the past 9 years. I believe Navient has been applying my payments and additional payments to interest rates and future interest rates ( rather than to my principal ) without my knowledge in order to keep me indebted to them for decades. Please find below a list of transactions over the most recent year. My monthly payment is due on the XXXX each month, yet I made additional payments. My regular payments consist of {$12.00} going to principal with {$50.00} go to interest. My interest rate is only 6.550 %. Also, instead of applying my additional payments to principal, Navient applied portions to future interest payments. Date Description Principal Interest Fees Total XX/XX/XXXX PAYMENT ( {$65.00} ) ( {$53.00} ) {$0.00} ( {$110.00} ) XX/XX/XXXX PAYMENT ( {$11.00} ) ( {$55.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$24.00} ) ( {$43.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$89.00} ) ( {$10.00} ) {$0.00} ( {$100.00} ) XX/XX/XXXX PAYMENT ( {$14.00} ) ( {$53.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$63.00} ) ( {$3.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$21.00} ) ( {$45.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$60.00} ) ( {$5.00} ) {$0.00} ( {$66.00} ) XX/XX/XXXX PAYMENT ( {$10.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$10.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$11.00} ) ( {$55.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$21.00} ) ( {$46.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$60.00} ) ( {$9.00} ) {$0.00} ( {$70.00} ) XX/XX/XXXX PAYMENT ( {$26.00} ) ( {$41.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$53.00} ) ( {$16.00} ) {$0.00} ( {$70.00} ) XX/XX/XXXX PAYMENT ( {$56.00} ) ( {$11.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$200.00} ) ( {$48.00} ) {$0.00} ( {$250.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$58.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$7.00} ) ( {$60.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$58.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$7.00} ) ( {$60.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$13.00} ) ( {$54.00} ) {$0.00} ( {$67.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Reverse mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: CFPBMy issues started XX/XX/XXXX with Bank of America ( BOA ). Reached out to BOA for help with my mortgage : rate reduction, refinance, etc ... At that time the representative recommended the loan modification at no cost to me. Began the modification process XX/XX/XXXX, had questions about the figures they calculated and then I was denied the process. Reached out again to inquiry about the denial and was recommended to reapply due to government changes. Process began again XX/XX/XXXX. Again, I had questions about the figures. No one during the modification process ( during negotiation ) was able to explain how they calculated the new totals. Yes, I receive documents with the figures but not sure how the numbers formulated. So I signed the modification papers clearly under duress to avoid starting the process all over again. Finally get new statement and begin to inquire about a {$3400.00} non-interest bearing loan amount. I called BOA several times to inquire about the non-interesting bearing loan. One BOA representative told me not to worry about that loan because there is no interest accruing on it. He told I had to wait 30 days before I can hear from someone regarding the loan amount. On the 30th day I call BOA again to see if someone could explain to me what makes up the {$3400.00}, the representative at that time told it was too late for me because I already signed the papers. Again, I requested for a manager or supervisor to contact me regarding the {$3400.00}. I was told again that it will be 30 days before someone will be able to get back to me. Within the 30 day waiting period, I received a letter stating the {$3.00} will be forgiving. New government laws allow companies to forgive debt, issue a XXXX at year end and the client has to pay taxes on the forgiven amount. My original request was for an explanation to the non-interest bearing loan. Now I have until XX/XX/XXXX to accept or decline the forgiveness offer. I do not understand why I would have to pay taxes on something I do not owe. BOA has already damaged my credit by stating my mortgage payments were late during the modification process. Totally untrue. I made ever payment they recommended me to pay ON TIME. Clearly I have been going through a completely unfair process with Bank of America. If BOA believes I owe and wants to forgive please apply to the current mortgage loan balance. CFPB, please help me understanding why a client has to pay for BOA errors. Their current representatives have no clue how to handle situations regarding problems or issues that has occurred on BOA 's behalf. All they want to know is - " Are you making a payment today? '' I love to get out of BOA loan and find another mortgage company but I do not want to carry the incorrect balance to another company and pay something I may not owe. Again, PLEASE HELP ... ... ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (MS).
Issue: Money was not available when promised

Complaint: I went to a local grocery store to wire transfer XXXX dollars to my personal banking account through Western Union on XX/XX/XXXX. The clerk informed me I would need to pay an extra XXXX dollars fee so the money will deposit into my account " instantly within minutes " total of XXXX dollars. The next dayXX/XX/XXXX I checked my account no XXXX dollars available. My bank said no money seen nor pending to my account. I called western union back on XX/XX/XXXX spoke with XXXX # XXXX. XXXX voiced I will receive a refund on XX/XX/XXXX available at any Western union. I checked and no funds were available. I called western union back XX/XX/XXXX and was told to wait 48 hours. After the 48 hours still no XXXX dollars. I called western union XX/XX/XXXX the representative voiced wait 48 hours. On XX/XX/XXXX spoke with XXXX # XXXX. I was told the same story. " The money is waiting on the bank to approve it, it should be in 48 hours " my bank was contacted again on XX/XX/XXXX. My bank voiced they do n't see anything pending and to contact western union again. XX/XX/XXXX I spoke with XXXX XXXX XXXX. Same story, " it will take 48 hours " " it 's in process " Noone was able to tell me where my money is. I had to explain what the tracking number was. They asked for the tracking number and tracking number given but no one can see nor tell me where my money is, even with the tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm trying to keep my existing home and I am currently requesting a home loan modification from Bank Of America. The house is currently worth about {$120000.00} less than what I paid for it back in XXXX. My wife and I went through a financial hardship from XXXX thru XXXX, lost of employment and a dramatic decrease in income. After having a forensic loan audit review done on my original loan documents, the findings were alarming, to say the least. To start, the income stated on the application was falsified, location of closing was also incorrect, there 's to much innacurate information to include on this complaint. I currently have been employed for the last XXXX + years in the same job industry, they keep denying my loan modification claiming, I do n't qualify based on the guidelines of their existing modification programs. I should have never been approved to buy this house to begin with, but because of the falsified information included on the original loan application, THAT WAS NOT PROVIDED BY ME, they were able to approve my loan. This also has caused unwanted stress, ruined my credit history, damage to my reputation, and uncertanty to my family. All I want is for the loan to be adjusted to current market value so I can continue making my payments. I almost forgot to mention that they refuse to accept my monthly payment. My current income is more than enough to qualify for this payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient took over a false parent plus loan from XXXX, which XXXX applied for in my name after I was denied without my permission and/or authority. In speaking with XXXX from the Department of Education she got her supervisor on the phone who explained that after my denial of a parent plus loan, XXXX applied for a parent plus loan in my name without my permission and/or authority and that loan was approved. I have made several attempts to dispute this loan and provided my proof of documentation of my denial, which Navient and Dept. of Ed. continues to place blame on one another and pass the buck on whose responsibility it is to correct this problem and they continue to place it on my credit report, which is driving down my scores and costing in buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
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: Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XX/XX/XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was disclosed without my consent by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (AL).
Issue: Managing the loan or lease

Complaint: My husband was transitioning into a new job and the car payment was simply forgotten. I was contacted about my payment and made the payment immediately. I had confirmation from the person that I spoke with that it would not be shown as a late payment and it would n't hurt my credit. This is hurting my credit and it is not benefiting me as a consumer. I really need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (WI).
Issue: Shopping for a loan or lease

Complaint: I was declined for an auto loan by XXXX and JPMorgan Chase and the reasons they used were : " Serious Delinquency '', " Length of time since account not paid as agreed '' and " Time Since Delinquency is too Recent or Unknown ''. The letters told me to contract XXXX for information about this. I monitor my credit and know there is not a delinquency ever and when I contacted XXXX they could not see any issues either. I have tried to contact both banks to get information on what they are talking about and have not been able to reach anyone that will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Debt collection (I do not know) with AFNI INC. (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called AFNI yesterday XXXX/XXXX/16 after receiving an unfamiliar bill in the mail several times. I tried to explain to the rep ( XXXX XXXX ) that I have disputed this debt before to no avail and sent in a letter requesting validity. I asked if I could speak with a supervisor as I would like this resolved, because I would like resolution and verification I owe it. She immediately became defensive and aggressive. First she stated, " All of the managers are in a meeting and I 'm the Senior Manager on the floor right now. '' I asked if I could call back and speak with the supervisor directly? XXXX stated " He 's gon na tell you the same thing I 'm telling you! '' This is where the conversation took a turn for the worse. I asked XXXX if I could have her supervisors name, so I could call back and speak with him. She aggressively said " XXXX! '' I asked if he had a last name ( XXXX is quite common ). She said " He can give it to you when he answers! '' Confusion set in. I could n't figure out why she became upset when I asked for her superior and I do n't understand why she treated me so aggressively. My intent was not to get her in trouble, but to get someone to verify this debt or at the very least point me in the right direction. I explained my plight to her again.When the call started ( check the recordings ) I told XXXX that this was an ongoing issue and I still have not received validity of debt. I told her I was frustrated and I made it a point to mention I was NOT taking my frustrations out on her. I let XXXX know I am interested in resolving this, and she did not try to assist me. I told her I would like this removed from my credit if there is no verification of debt. I even offered to just pay a settlement to have it deleted. I ca n't sleep at night!! XXXX screamed " We do n't do pay for deletes!! '' I asked for a supervisor again with the intent to get resolution and to get my point across because she became to aggressive to deal with and she kept over talking me. 

Reluctantly, she said I can talk to XXXX XXXX in the consumer relations department. I left her a message, but after my experience with AnitaI am scared to speak with another rep from this company. I do n't like being attacked when I clearly said I want to get to the bottom of this. Im certain this is a form of harassment according to the FDCPA. This bill is hindering me from progressing in life. Please remove this debt and all negative reporting from my report because I have NOT been furnished with validity of debt after numerous attempts Thanks in advance for what I hope is a timely resolution.

Company response to consumer: Closed with explanation