milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I do n't know the legal definition of predatory loans but I believe that this is the situation that I have. When first got our loan the payment was really high but we under the impression from the people we were dealing with that we would be able to reduce those payments after making on time payments for a certain amount of time. We did that but we were not able to refinance and the payments became too much. Later we were given and adjustment which was still too high. I have made several attempt over the past XXXX to try to get an affordable mortgage while at the same time having to file bankruptcy because that was the only way I could save our home while we were going through the motions. However each time I tried to modify the loan from XXXX to XXXX XXXX XXXX and now with specialized loan services nothing is ever done. Either I 'm constantly being told that they are not receiving my paperwork and there is no one XXXX that I can talk to or deliver the paperwork to in person or just completely ignoring my efforts. I have tried working with " making home affordable '' and nothing came of that. I filed a modification through XXXX at the beginning of XXXX, the lender asked for some additional information which I sent to XXXX and they updated it to my file and I have n't heard any more from them until XXXX when they started the foreclosure process again. ( Despite the XXXX page saying they are supposed XXXX reply within two week ) I am in the process of completing a XXXX modification request through XXXX but if no one is going to hold the lenders accountable and they can constantly deny your paperwork or drag the process out so long that your forced to give up your property just to end the nightmare of never feeling sure or safe and constant worry for years now. And now we are once again facing foreclosure and eviction All I want is an affordable fixed rate mortgage payment so that we can get on with our lives. My mother is XXXX XXXX XXXX now and she should n't have to eviction hanging over her head at this point in her life. 
I do n't know if this loan should have ever been made to us from the beginning but had never purchased a home before but I know that had we known the payments would go up instead of down we would not have agreed to the terms but this was how I was told that people were able to afford the houses at that time. We have been here since XXXX and it 's our home now and we just want to be able to pay our bills & mortgage and be able to sleep at night.

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 08-10-2017 about Debt collection (I do not know) with Nations Recovery Center (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This is my story with 'Nations Recovery Center '. Originally called on XX/XX/XXXX to inquire about a debt for XXXX XXXX '' I told them they were calling the wrong person as I had had this number for over 10 years at that point and knew no one by that name or had even met a XXXX . I told them to not contact this number again and that it was a mobile number. 15 minutes later I receive another call from them in which the hung up as soon as I said hello. I called back the number and talked to an operator who at that point said they put me on a no call list. I received two more calls in XX/XX/XXXX and XX/XX/XXXX which I either missed or blocked. Fast forward to XX/XX/XXXX and I receive another call at XXXX XXXX. I again tell the woman that she has the completely wrong number and that I 've already asked to not be contacted again, before I could get her name she hung up on me. I called back and spoke with an operator that transferred me to a supervisor. I told him the situation and he was unapologetic and said he highlighted the note in there system in red now ( really? ). Although he was reluctant I also managed to get the name of the woman that called me on XX/XX/XXXX ( XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax. Have initiated XXXX disputes to try to correct my name and birthdate. 
They ca n't seem to get it right. Sent over photos of my drivers license and social security car. 
I do n't know what else to do, XXXX disputes, XXXX phone calls - what other options can I do to have them correct this information?

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX, 2016, around XXXX eastern time, a {$500.00} unauthorized withdrawal in my debit card was taken. Upon checking my balance, i called my bank & was transfer to the dispute department to file a case. After filing the report over by the phone, XXXX the dispute department, instructed me to file a police report. Filed the police report on the same day forward confirmation back to XXXX. When i ask for my money to be credited ASAP, i was transfer to different people, nobody was able to help me even though i told them that the money was for my rent, rent that is due and might be evicted if not paid within 3 days. I was told repeatedly that they ca n't do anything for me. I was really frustrated and hopeless. I was a loyal customer with this bank and they would n't do anything to help me. I feel something wrong was done to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Shopping for a loan or lease

Complaint: I recently purchased a vehicle through a XXXX in XXXX XXXX, NY. My loan for thevehicle was financed through XXXX Bank. 
On XXXX/XXXX/15 Honda Financial sent me aletter stating that they had been unable tooffer me credit " on the terms originally requested '' and that " our subsequent counteroffer has sinceexpired. '' The problem here is that I have nodocumentation of Honda Financial ever making aloan offer to me, nor do I have any record ofHonda making a counteroffer. The referencenumber on the letter from Honda is XXXX. Furthermore, Honda said that I couldobtain written documentation on reasons for theirdecision by contacting their XXXX, XXXX officeat ( XXXX XXXX XXXX. But when you call that number, Honda claims that you need to make the requestin writing. Their XXXX XXXX letter to me makes noreference to the need to make the request inwriting, versus by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have two inquires from XXXX XXXX XXXX ( Inquiry : XX/XX/XXXX ) and XXXX ( inquiry : XX/XX/XXXX) I am not liable for and its showing up on my credit report.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD).
Issue: Problem with fraud alerts or security freezes

Complaint: Credit freezes should be free and easily used via the internet or an automated telephone line.
If I can transfer money via bank accounts using the telephone and internet, I should be able to freeze and thaw my credit the same way.
The recent hack of XXXX and subsequent bad behavior by other credit reporting agencies shows that government oversight of this area is necessary immediately. I should have more control over my data on these services that are an important part of modern life. I must have the ability to freeze and thaw my credit at will, without paying a fee each 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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX 2017 phoned in to all three credit reporting agencies to request investigation of accounts that are being reported that do not belong to me and all 3 have not processed the request. Have not received an investigation results this request has been made every 45 days in writing or by phone calls the following accounts do not belong to me : XXXX XXXX XXXX # : XXXX, XXXX and XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Credit decision / Underwriting

Complaint: This is with regards to an existing CFPB case # XXXX. As instructed by Citibank, I requested my lender, XXXX to pull a new credit report after XX/XX/XXXX. A new credit report was pulled on XX/XX/XXXX and does now reflect the correct report date of XX/XX/XXXX. However, the reporting credit bureau ( XXXX ) is is reporting a Code of " XXXX '' and my lender is not able to approve my loan through their automated underwriting system. According to XXXX XXXX, the 3rd party credit reporting company, XXXX is the only Bureau that would report this as an " XXXX ''. The other XXXX bureau 's would report as an " XXXX '', however, for reasons that could be explained neither XXXX nor XXXX are reporting this account. I have attached a copy of the credit bureau reporting codes. My account was approved and settled for less than the full balance and was not a charge off or collection.

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 03/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ConServe (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: attempting to collect 30 % collection costs, no agreement. 

collecting an invalid debt, debt does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Medical) with Thunderbird Collection Specialists, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have state medical my hold life

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Apparently Wells Fargo, who does not own my home nor anyone else for that matter, has sold my home at XXXX New York XXXX. I have been asking for proof as to has my mortgage and original promissory note and all I receive are these botched papers that are not true or even legal. XXXX who I pay my electric and water to, has switched my bill over to the gentleman who claims to have bought my home. I have received nothing in writing from anyone on this and have not even received any kind of paperwork from a bank, attorney, court or otherwise.I have had it with this, i am a consumer and my rights are supposed to be upheld and look how far this has gone. i demand to have my rights taken in to consideration. As far as I am concerned, this is theft and fraud and someone needs to answer.

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 06-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Problems caused by my funds being low

Complaint: I have an issue with Bank of America taking {$70.00} out of my account after it over drafted a small amount for a matter of a few HOURS, not days. I went to the bank immediately to put the funds in. The real issue is that the policy used to be that you would only be charged if money is not added within 5 days and I was not notified of any change to this policy and therefore did not expect a charge. Naturally I try not to overdraft but I have accounts at XXXX banks and I had forgotten to make a transfer. If it were days I would understand and especially if I had been notified of a policy change, but not hours. Also, there was enough money in my savings to cover the amount. The bank used to let you link the accounts for protection and now it does not, so it can take your money. Managing someones account is not an excuse to steal from them anytime you see fit. I will be looking for a new bank immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with COMMERCE BANK (MO).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Commerce Bank, To whom it may concern Regarding my recent late payments late payment due to medical issues I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Midland Funding , LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: Regions Bank continues to charge my account for overdrafts when the funds are available. If there are enough funds for the charge but, others are pending they charge my account leaving it negative by less than what the NSF charges are. They are unethical when it comes to the fees.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on XX/XX/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : Ally Financial inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX, and XXXX XXXX via 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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX XXXX XXXX XXXX had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from Transunion, XXXX and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.

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 05-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I called XXXX on XXXX XXXX, 2015 at XXXX. I asked the rep to provide all accounts appearing on my credit report to check for accuracy. He told me repeatedly that my report had not been updated since XXXX XXXX, 2015. He then insisted that I must pay for the monitoring service to " refresh '' my credit report. He stated that the FCRA does not allow them to change accounts and/or information on my credit report " without paying. '' He even stated that TransUnion could n't guarantee the accuracy of my credit report unless I paid for the monitoring service they offer. I was appalled that TransUnion would make such an unlawful assertion. That is kin to extortion, and at the very least unfair business practices in violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Accurate Background (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Today, XX/XX/2018, is the first time Im contacting the company with a dispute. This is the second background check that Ive done where someone elses name has come up on my report. I do not want my future to be affected by this person that is not me, nor has ever been me. I do not have an alias.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I put a dispute countless times XXXX got the same results I am on XXXX XXXX all my expense are paid to in full Have part A B D XXXX have for years XXXX are medical bills on my account that should not be there XXXX they wo n't remove them the crediter is saying they find no accounts under my name with. Outstanding balance Need 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 03/24/2016 about Debt collection (Medical) with Aargon Agency, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from XXXX XXXX XXXX in XXXX XXXX telling me I owed {$25.00} to XXXX. I responded with a letter on XXXX/XXXX/XXXX explaining that I did not recognize this and asked that they send me a copy of the original receipt that explained what it was for. 

I received a letter back from Aargon Collection Agency with summary information from XXXX showing a {$120.00} charge back on XXXX/XXXX/XXXX for " XXXX ''. My name was not on this summary and the health information for XXXX XXXX Washington that was listed did not match my policy # or Group #. In fact, I was not insured by XXXX until XXXX/XXXX/XXXX, so this could n't have been my debt even if the policy and group numbers had been correct. 
I called and talked to XXXX at Aargon and explained that this was not my debt, that my name was not listed on the bill and the policy and group numbers did not match mine. He told me that he hears this all the time and that all indications are that this was my bill. He said that it was n't affecting my credit rating yet, but implied that if I did n't pay it, it would. When I insisted that this was n't my debt, he told me that I would need to file an Identify Theft Report with my local police department and send him the file number, then they could reference it in his file. 
None of this sounds right. I ca n't believe that they can press me to pay a bill that is in no way connected to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed