milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (WV).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan with Fifth Third Bank. I have had this loan for several years. Initially inhad XXXX properties and XXXX loans with Fifth Third Bank but due to their sloppy recordkeeping, I had a four year battle with them over escrow payments for each of the XXXX accounts which they misappled or put into the wrong account. They never once took the time to straighten out the accounting of these accounts. The statements they sent were difficult to read and understand. After additional negotiation and what was an attempt to resolve the issue, they sent me XXXX " revised '' loan agreements. XXXX they left on original terms ( XXXX XXXX property ) and the other ( XXXX XXXX property ) they attached an additional {$15000.00} to the debt without any accounting verification or an appraisal of the property. They then renigged on their agreement of the XXXX property and said I would have to reapply for a new loan. When I objected they took the property through foreclosure. They stated that I owed over {$8000.00} on the loan when the actual amount was substantially less than that. 
The XXXX XXXX property agreement payments, due to the increase in debt of {$15000.00}, went forward. In the XX/XX/2014 they threatened foreclosure again stating that exaggerated payments were due on the account. It took weeks to try to work it out with the final result being that their original claim of unpaid funds was NOT correct. They never gave a comlete accounting of why there were differences in the payments shown and due. They also charged me attorney fees for the foreclosure even though therecwas issues with their accounting. 
Now once again they have not correctly accounted for payments. However, they threaten to foreclose on the property even though there isca dispute as to what is owed. This bank does not provide very good records andvit takes time to descipher what they have or have not posted. I have to go back to the various banks and see if all the checks were cashed, etc. They give me two weeks to try to verify all psyments and in this case I know they have not correctly posted all payments. However they are determined to take this property just as they did previously with the XXXX property without correct or complete accounting of the payments. I could not attach all documents but will be sending them by separate mail. Sorry but there are too mant documents to send forward. My current account number XXXX XXXX. 
Unfortunately I dont have a specific bank contact at Fifth Third Bank, XXXX. XXXX XXXX, XXXX, OH. XXXX. The attorney handling the account for the bank on each of these occasions is XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, WV. XXXX, ( XXXX ) XXXX. 
All I am trying to do is correct their accounting. I do not thinkmitvis fair that they can constantly threaten to forclose when their accounting is INCORRECT!!!!! Your assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCB Credit Serivces, Inc (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT CREDIT CARDS USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: XXXX XXXX. 
~ {$150.00}. 
I was on vacation in Colorado with no service. Postedponed making payment until I had service. I forgot all about it and never paid until next time. I have proven that I can consistently make payments not only before the incident, but after as well. I have not missed since. I wanted to see if it were possible to somehow forgive this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: There are on authorize items on my credit report that I did n't pull my credit 17 hard INQUIRIES THAT ARE AFFECTING MY CREDIT SCORE THE INQUIRIES WAS REMOVED FROM MY XXXX CREDIT REPORT BUT THE INQUIRES FROM YOUR COMPANY IS STILL SHOWING ON MY CREDIT REPORT I SEND AND LETTER AND TRYING DISPUTTING INQUIRES AND GETTING A LAWER THIS IS FRAUD ON MY REPORT AND HURTTING MYSELF AND CHILDREN

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC).
Issue: Struggling to pay mortgage

Complaint: Rushmore Loan Management Services is refusing to participate in a Short Sale proceeding with no explanation as to why. 
They originally denied the offer and gave an amount. The amount was met and still they waiting months to deny the offer with NO further explanation. 
The contact at Rushmore ( XXXX XXXX ) stated that the investor has refused to go any further with negotiations and no additional contact has been made except more generic denial letters and offer to take the home in a deed in lieu or other programs. I do not trust that any of the programs they offer actually work for the consumer as they are not answering calls or giving any explanations once they give a flat out NO. 
I can not afford this mortgage anymore and have a buyer willing to negotiate and did increase to the demand for the amount Rushmore stated. Once they got the offer they refused to go any further and now my house may foreclose. Which appears to be their goal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There are multiple accounts that have been repeated with the same account numbers and i have asked several times for account to be removed. Very old accounts also

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Problems caused by my funds being low

Complaint: On many occasions I have bee assessed multiple over draft fees. I will call on a payday Friday and something has been deducted from my account. I ask about the balance Friday night and by Monday if another item comes in Friday overnight and is close to my balance, they hold the deduction and charge me an overdraft fee. Then they will send the already deducted item through on Monday and charge me an NSF charge. I also placed holds on items and they have paid them anyway. I want the holds taken off and my money returned. This also caused my account to be over drawn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient is repeatedly contacting my uncle, aunt, cousin, and mother regarding my private loan debt. Per the FDCPA laws, debt collectors may only contact a 3rd party once ( which they have violated because they are calling above-named parties every week ) and they may NOT contact the 3rd party if they know how to reach the holder of the debt ( which they do, because they call me 4 times per day, 7 days per week ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit determination

Complaint: Called Citi Bank to complain about a mix up on a payment, and they then reduced our credit line. While we are no longer using the card, I still do n't want my credit to show I 'm at my limit, and I asked them why they did it. They said it was information from XXXX I checked my credit report from XXXX, and I found no negative information. I called them back, and they told me the same thing again. I ca n't fight with XXXX because there 's nothing to fight about, and I ca n't fight with Citi Bank because they wo n't tell me what the problem is. I ca n't win.

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 04/15/2015 about Debt collection (Medical) with American Collections Enterprise, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: American Collections Enterprise , Inc. has reported fraudulent information to credit bureaus regarding a alleged debt. This debt has been paid in full to the original creditor yet American Collection Enterprise , Inc. continues to report the debt as unpaid to credit bureaus even though they have acknowledged being informed of the debt having been satisfied prior to their most recent reporting to credit bureaus. 

I filed complaints with the XXXX and the Consumer Financial Protection Bureau yet as of XXXX/XXXX/2015 they had yet to remove the incorrect information. In their response to the complaints, they state that they were informed that the debt has been satisfied prior to their most recent reporting. Their response states " XXXX XXXX ' payment was made directly to the original creditor. They reported it to our office on XXXX XXXX, 2015. '' However XXXX listed the account being updated on XXXX XXXX, 2015. 

The debt was then removed from my Credit Report when I checked it as of XXXX/XXXX/2015. However, the false information has been reported again to XXXX. This time, they have reported only the dollar amount and account number, electing to leave their name off of it. This is the XXXX complaint I have had to make regarding their tactics and I have been advised by council that these repeated false reportings constitute harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 05/13/2016 about Debt collection (Federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Late payment was addressed as a computer gliche and a letter was written to company explaining as they had requested. My father was the cosigner on the loan and was affected by this. Once explained this was removed from his credit report and the account was paid in full to prevent any further issues. The letter was faxed on XXXX/XXXX/14 yet my credit was not adjusted and my fathers was. NJ Class Loan HESAA is the account in question

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Making/receiving payments, sending money

Complaint: I filed A unauthorized debit on my wells fargo account the same day it was done and they close the case the next day saying that the debit was authorized on that day. according to their policy I was covered by Zero Liability protection, which mean I would not be held responsible for unauthorized transaction if reported promptly which I did the same day it was done they also said in my dispute that I said I was charge the wrong amount I did not tell them that I said unauthorized debit also I was told there no need to change or deactivate my card at this time but I feel it should have been because the company has my card number and already made XXXX withdrawal. I have been given the run around about my account on this withdrawal of {$160.00}, there was A second complaint file with this bank about a Bill pay account that I have with them set up years ago they handle for me on XXXX XXXX 2016 {$680.00} was taken out of my account sent to XXXX, but XXXX said they never received it i call my Bank and was told at first that I would have too locate the funds myself, I ask for A manager was put through to someone else and he said it would be investigated it would take about 10 business days, I have trusted Wells Fargo to handle my mortgage payment for the past 14 years but since the original account holder XXXX Bank change to XXXX the problem began. my account show that sent my payment was sent online XXXX XXXX, 2016 this one is still under investigation. I had to make an additional payment in XXXX to keep from being charge with being late. So a check was also sent to XXXX for {$680.00} now there is XXXX payment made in XXXX no Payment made XXXX but show I do not owe till XXXX my money for XXXX was deducted on XXXX XXXX, 2016 not applied to account at all.

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 11/15/2016 about Student loan (Federal student loan servicing) with ACS Education Services (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Hello, I originally took in this loan over 3 years ago, the reasons I have not paid the full amount yet is mostly economical, I went through a divorce 5 years ago and I am a single mother supporting myself and my daughter. I have deferred or ( forbearance ) payments for a total of 36 months, ( I had no knowledge the maximum time for forbearance was 36 months and that I had exhausted that time limit ) I was offered the option on the phone to get this done once more and I did it. My plan was to pay this in full when my tax return arrive early next year since I will finally be receiving incentives at work starting next year. I phoned ACS sometime in XXXX to submit my request to defer over the phone and it was accepted, at no point or time I got a denied note telling me it was actually denied. I went on and about thinking my account was in forbearance until I get a warning from XXXX telling me ACS had reported negative information in my file. I understand I exhausted the time limit but I did not know I did, nobody contacted me from there to let me know and to start making payments! I begged them to please remove the negative information from my report since my credit score dropped more than 60 points! I am finally trying to get a loan for a house and this is not helping me. I have friends who have been able to put their accounts in forbearance for multiple years, none of them are of XXXX descendent, which is very strange. I spoke to ACS and let them know I could me XXXX payments from XXXX and starting XX/XX/XXXX I can either get back into full repayment or pay the account in full. The stated the are obligated under FCRA to report negative information if the loan is n't paid as agreed, or account is in suspended payment, I understand that but I was under the impression I WAS in that status, had I known I was not I would have start paying somehow. What ACS is doing is keeping me from going forward in life, all I want is the negative information to be deleted from my credit reports because I did not know my account had exhausted 36 months of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I obtained an online copy of my credit report and the name on the report is not my name. I spoke with Equifax this afternoon and informed them that the information is wrong. They told me that information has been reported on my report under that name. I asked them to provide the name of the company reporting this information and they told me they did not have that information. They asked me to mail a copy of my social security card and my id. They told me they would not remove the information that was reported and would correct name once they receive my identification.     I have sent Equifax copies of my social card and my  State issu ed identification card several times in the recent past to obtain my credit reports. Yet, this agency has used my social security number, they have created a new credit file using a name that does not belong to me, and they have allowed companies to report false information linked to my credit report using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Mortgage (FHA mortgage) with AMERICAN FINANCIAL NETWORK INC. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We applied for a pre-approval in XX/XX/XXXX with XXXX XXXX 's Company under American Financial Network. We received our pre-approval letter from one of XXXX 's account managers. Her name is XXXX XXXX. We originally wanted to go with, what they disclosed to be a first time home buyers grant that would account for 3.5 % of the home purchase price for a down payment. Come to find out later it that we only would qualify for this if the seller contributes to the closing fees. This was not disclosed to us up front. After that, she advised that we put down the 3.5 % ourselves, within the FHA program. She never considered that a XXXX conventional loan would be a better fit for us provided our good credit and income. A GFE or Loan Estimate was promised to us but never sent. We never felt comfortable in going with them as we felt they weren't being completely honest. On XX/XX/XXXX, one of her underwriters called asking for more information, I kindly informed him that we were looking at other lenders that would provide a better interest rate through a conventional loan. She then immediately emails me back stating the following. 

" I just called and left you a message. XXXX on my team let me know you are shopping with another lender for conventional financing, which is what we can offer too. Please note, your credit scores will drop if you allow other banks to run your credit which can hinder your financing. 

Please let me know what is going on, so I can reach out to XXXX as I went through questions and verification for your offer to be accepted '' Note, this statement about our scores dropping is untrue and she may be in violation of the dodd frank laws. This was a scare tactic in order to keep our business. This was poor form and bad customer service. My concerns is that XXXX contacted the seller 's realtor in efforts to jeopardize the deal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (I do not know) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/15 I was notified by XXXX creditor monitoring service that Enhanced Recovery Company ( ERC ) has placed a collection account on my credit file. On XXXX/XXXX/15 I notified ERC that I have no knowledge of an account or balance with XXXX and requested verification of any such account. I received an email message form ERC on XXXX/XXXX/15 stating they would cease communication and request documentation from " their client ''. As of this date I have yet to received any information or documentation to valid any such debt. Enhanced Recovery Collections is in clear violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Trouble during payment process

Complaint: Nationstar Mortgage has failed repeatedly to cease contacting me via email, phone, and other methods, even though I have filled out their Do Not Contact Me At All form,   THREE TIMES!!!
Being Military,   I pa y 1/2  my Mortgage on the  XXXX , and the othe r 1/2  on the  XXXX . SEVERAL times, Nationstar Mortgage has FAILED to apply the first payment to the second payment, instead, leaving it in the suspense account,  XXXX   hys I have to contact them to do their job, or incur a late fee.
In between receiving the first 1/2 payment, and up until the second half is received, Nationstar w  ill repeatedly call and email me, requesting full payment, EVEN THOUGH I AM NOT LATE! I am late on the  XXXX ! I have yet to be late paying, yet they still contact me!     They also attempted to force insurance on me, which I quickly quashedwith proof that I had adequate insurance and that, if needed, I wiuld contact Legal.     I was part of the Wroght vs. Nationstar settlement ... seems they have n't learned a thing!     Attached are emails I have received from Nationstar in just a span of a WEEK! Keep in mind, I have repeatedly filled out their No Contact form!

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Although the debit was not justified I had to pay as it was ruining my credit score. I fully paid on XXXX and it is still showing as not paid on my credit records with XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Struggling to pay mortgage

Complaint: My family includes an XXXX individual, and we get paid for taking care of them by the State of Washington. Earlier this year, they switched the way they handled payments from once a month to twice a month, and in addition to this, we had some issues with the caseworker responsible for the XXXX individual, because of this, we got behind in our mortgage with Select Portfolio Servicing, and they refused to take anything but the full payments that were late. They denied the loan modification, but in the meantime we discovered a way to provide proof of more income we receive per month, so we appealed it. We submitted the appeal paperwork in XXXX, and they confirmed they had received it. In XXXX, we received a notice of default taped to the front door, and we learned that they had scheduled the foreclosure auction for XXXX of 2018. Since then, we 've been getting pressured by realtors arriving at the house and talking us into a short-sale, which we 're proceeding with, because we do n't feel we have many options. In some cursory searches on the internet, I believe this is what 's called " dual-tracking '', which was restricted by Dodd-Frank. Is my assessment of the situation correct? 

I can provide documents if necessary, but they 're not within easy reach as I 'm typing up this complaint.

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