milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2016 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am attempting to short sale my home to avoid foreclosure and being evicted from my home. I did n't qualify for any home retention program and realize that I must move out of the home. I contacted a Realtor to short sale my home so that I could leave my home with the debt settled instead of being evicted and having a Foreclosure showing up on my credit. I received an offer on my home that according to my Realtor is a good offer considering the current damage to my home. She submitted the offer along with supporting documents that included a BPO with colored pictures and a repair estimate for the cost of these repairs. The lender rejected both the offer and supporting documentation. They have an appraisal that is showing the home worth more than what it is due to the damages to the property. The lender 's appraisal did not identify or take into account any damages when figuring the appraised value of the property.

Company response to consumer: Closed
Consumer complaint received 07-09-2015 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My XXXX loan was sold without my consent to American Education Services. After paying the loan off in full the following month, AES proceeded to withdraw from my account. When emailing about this they assured me I 'd receive a refund by XXXX XXXX. When I did n't receive the funds I emailed again. After XXXX emails, I called and was told it refund was probably issued on the XX/XX/XXXX and it should be in my account any day now. I 've called a number of times now. On XXXX XXXX I had called once again ( a month after I was told my refund would be in my account ) and after 45 minutes of going transfers and no answers, they told me the refund was paid and that I needed to send them all of my bank statements to prove I did n't get that. I proceeded to ask for some sort of confirmation of that and they said they did n't do that. I was not willing to send my private financial information to a 3rd party who had been so difficult to deal with up until this point and asked to speak with a manager. The manager came on the line and within 5 minutes she was able to see that nothing was refunded and told me I should have my refund in 3-5 days. I had to call again yesterday as I still have not received my refund. They told me by Friday this time. Friday will be XXXX XXXX, I did my part and paid off my loans in XX/XX/XXXX. This " company '' seems like a giant scam and I do n't understand how its legal for them to keep my money but they charge me interest every second my loan was still active. Another side note about this company is that they wo n't give you the full name of who you are speaking to, only a first name and an employee ID number and when I referenced the manager 's ID number no one knew who I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent in letters to request these negative items be removed from my credit report permanently on XX/XX/17 and have not received a response regarding the validation of items I requested. It has been months and still nothing. This is illegal and I demand that these items be immediately removed from my credit profile permanently.

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called the continental finance company and told them that a hard inquiry was on my credit report and my apartment number was wrong and the wrong date of birth and they said they would remove it from my credit report a month ago and hasn, t done so I have called them every day and it is still on all three major credit reporting agencys.

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 08/22/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (PA).
Issue: Struggling to pay mortgage

Complaint: 13 years ago we got this mortgage through one loan company and paid XXXX a month since then this has changed hands 3 times now pay over 600. only options current mortgage holder has given us is loan modification. also believe we had a fha loan now not so sure this is true anymore. during winter months husband laid off and summer I 'm laid off. fell behind 8 years ago when husband XXXX XXXX and me 4 years ago when was XXXX XXXX. try to talk to them but all they are worried about is getting there money, I 've even went with out medicine before to make a payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (I do not know) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/2016 {$250.00} This debt is not mine and I am not sure where it came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian continues to verify incorrect information on report. The account in question shows account type as " open account '' yet account stats as " closed '' the balance is incorrect as well. It shows an original balance of   XXXX   but a past due balance  XXXX  I have disputed this twice and yet they continue to report erroneous and incorrect information.

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 11/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2015 I submitted all documents to apply for a HAMP with Caliber Home Loans. There has been numerous correspondence with Caliber by phone, email, upload of documents and viewing the website for updates on where we stand. Now five months later on XXXX XXXX one of there XXXX reps stated they will not except the numerous additional documents I uploaded to my caliber account. They stated the documents could not be pictures of them uploaded as I did with many of the most recent ones, going back to XXXX. As I understood, I asked why on XXXX XXXX is it the first time I was made aware of this. Many other XXXX have viewed these documents as I wanted to verify they received them, and only once did a XXXX have me resend a paystub, that he could not read, using this same method as I was on the phone with him. This XXXX received the paystub as I was still on the phone with him and viewed it and confirmed it was received and legable. On XXXX XXXX I then scanned the whole package along with more than requested paystubs to pdf files and emailed them to the email provided for loan modification documents. On XXXX XXXX, 8 days later, I received a letter from caliber stating we were denied the loan modification with a denial reason, that I did not provide caliber with the documents requested. Also I could appeal there decision by XXXX/XXXX/2015, which is 9 days from now. Unfortunately the communication piece is difficult as you are not speaking with underwriting who are handling all the documents. There was never a time lapse of more than a week in providing documents requested. I did have to call on many occasions to let them know the documents were there and had been there for 1-2 weeks. In the beginning of this process our overdue balance was XXXX and our full monthly payments were denied and returned to us resulting in a overdue balance of XXXX. This is my home that I take very serious and would like to resolve my debt more than anyone. My local HUD counselor advised that I file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian has placed 2 unknown entries on my credit from a collection agency company called XXXX back in XX/XX/2016. I have disputed the validity of the debts because I know nothing about them or whom they belong to.The accounts were removed and the following month ( XX/XX/2016 ) and Experian placed the accounts back on my credit. I was never notified by the original creditor nor have I ever been contacted by XXXX. I have also sent XXXX certified letters and I have been ignored. I am so depressed because the unknown accounts have damaged my credit score and ruined my chances of obtaining financing that I desperately need to help my family and I move forward.

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 01-08-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Unsolicited issuance of credit card

Complaint: I dont know who filed for a capital one card

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: This XXXX XXXX account showing Charge Off on my Equifax Credit report is not my account. I am listed as an authorized user. I have sent letters to Equifax and XXXX and neither have removed this from my credit report. It is really hurting my credit score and I need it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I am being garnished for a credit card from 2008, the amount said to be owed is XXXX with fees and such the grand total to be XXXX. However when I called Atlantic Credit and Finance XXXX informed me that I had XXXX accounts that were all paid in full. I have been garnished on this debt for a year. I can not get in contact with anyone that knows what is going on with my account. I do n't understand why I am being garnished for debt that was paid in full.

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 02/23/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XXXX XXXX sent a fraudulent check for {$1700.00} to Chase Bank. I called Chase agent on XX/XX/18 at about XXXX and told them there may be something coming thur. The agent ask me what is check number. There is no check. She said we can not stop any funds unless we have a check number. She than said watch you account and if you see anything come thur, call Chase and then you can stop the funds because it will be pending. I said ok. On XX/XX/18 at XXXX XXXX I looked at my Chase checking account, it as debited {$1700.00} plus a {$34.00} insufficient funds. My checking account had about {$750.00}. But Chase paid out a {$1700.00} fraudulent check and then said I ow {$1000.00}. Plus {$34.00} over draft. I called Chase up, that morning and ask them to stop that the {$1700.00} check because it was fraudulent. Chase told me the checked cleared and they can not stop it now. I told the chase agent why did you clear that check because I told them the day before it was fraudulent. Why did you not call me up and ask me if they should pay it out since I did not have enough funds in my account. Chase said it up to us to pay it out. I cant believe it. I restricted my account because Chase would not close this account because there is a $ XXXX. balance. Chase paid a fraudulent check. 
The check was made up by XXXX XXXX and said client does not have to sign the check. That should have raise flags. Chase action is also fraudulent. 
Im XXXX, XXXX XXXX XXXX And a Vet. 
Please help me Im attaching a copy of the check. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have never received any letters or contact from this company it just showed up on my credit report.     I have no clue who they are and have no contract or such with them.      XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX  I tried disputing through  XXXX  but was told updated and that was it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Other

Complaint: There was a fraud alert placed on my Citibank Credit Card. 

I called the number as required, customer service indicated they have to verify my account by phone number. When I provided my phone number Citi said they can not use it to verify. This is the same number I have on file with Citibank. If I open my account access and check my phone number it is the same number I provided them. I 've had this number for years, this number is able to receive calls and texts. 

I have no other way to verify my account with Citi, personal details were not sufficient. This limitation now makes my account unusable, so while I have an account with them, their inability to verify me in a way beyond using a phone number makes my account useless. I 've never experienced this with any bank. As of now I can not use my account.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim of the Equifax hack and I am filing a complaint against Equifax for improperly caring for my protected information and that information being used to potentially harm me or steal from me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Mortgage (VA mortgage) with BOK FINANCIAL CORP (CO).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX XXXX I was XXXX overseas. Unfortunately when first arriving in country my pay was delayed for several weeks due to an accounting error that was beyond my control. During this time I was unable to make my mortgage payments also due to limited internet and computer access I missed another payment. 
I have notified my mortgage company that I am on XXXX XXXX military status and this had little to no affect. I have been hit with numerous late fees, endless phone calls and they have greatly impacted my credit. The missed payments were out of my control and there 's nothing I could have done to avoid this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Billing disputes

Complaint: I have a Mastercard with USAA. USAA failed to send me any notice whatsoever that my payment was past due and immediately turned it in to all XXXX credit bureaus damaging my credit and by doing so violated the FDCPA. USAA refuses to remove the reports it illegally made to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: 1 ) On XXXX/XXXX/2015 received a letter in the mail that my monthly payment has gone up to {$220.00} form {$210.00} and my payment would be late if not received now by the XXXX instead of the XXXX.No notice as to why. 
2 ) Originally the loan was in my mothers name and mine, the payment was set for auto-pay out of her account.She past away in XXXX 2015. I contacted them and the bank immediately to let them know, and stop the auto pay on my mothers XXXX account. At that time I requested ( since I would be taking over the payments now ) that the payment due date be adjusted to accommodate my banking. They told me that they would have to finish processing my mothers death certificate first and then supervisor could assist me with that. When I called back and I was transferred to a supervisor XXXX he advised that they do not change the due date for any reason. And stated my contract stated that my payment was due on the XXXX of every month and I have a 10 day grace period so if my payment has to be received on or before the XXXX, or it would be considered late. I asked him considering that my mother was the primary on the loan and she pasted away, and was a good customer. If they would consider making an exception & adjust the payment due date. They said no. I also mentioned to them that I would also need a payment booklet, I still have n't received a payment booklet yet, and I always pay on or before the XXXX. I feel like this company is not following fair consumer practices. I feel like they are trying to make it look like I 'm making late payments when they are paid on time. They are not providing me with proper payment information as stated in their contract. To this date I still have n't received a payment booklet from them. It seems like they are trying to make it look like I 'm late on my payments. In order to make it look like they would have the right to repo my car. I do not trust this company. I 've always been a good customer paying on time, and I feel like they are being dishonest & trying to take advantage of me/ ruin my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am victim of ID theft ; my Identity was compromised. I believe that one or more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: the attached letter was sent to Equifax but all XXXX credit bureaus are reporting XXXX digit mortgage account numbers for my mortgage loans and student loans that have been discharged and forgiven since per letters to that effect which my attorney has fro mthe us dept of education and all the loan servicers. 

XXXX now is retaliating by not applying my payments that they hold on to now allegedly for two weeks in order to allegedly get late fees and manufacture defaults like XXXX and other sewer service XXXX trust servicers. 

so the new York attorney general announced that all XXXX credit bureaus have agreed to get rid of false information that they are being paid to maintain by XXXX and XXXX for loans I never applied for and have no loan docs for and no settlement docs for and the y both violate the national mortgage settlements with us do justice. 

please see attached letter to Equifax from my attorney XXXX XXXX regarding XXXX that i have filed now XXXX complaints against with the uscfpb. 
Your submission, [ Case number : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage servicer, PNC Mortgage, has been, and continues, to charge me a 6 % interest rate. I have made numerous attempts for over one ( 1 ) year by contacting them both on the telephone and by submitting requests for mortgage modification. They refuse to address my requests. They refuse to provide reasons why my mortgage modifications requests are being denied. They also refuse to offer any assistance in resolving the HIGH interest rate. They do provide non-specific, vague answers. They do NOT have the correct information about my income and debts. They will be forcing me into possible bankruptcy, possible foreclosure and possible loss of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Property damage due to snow load in XXXX 2015. Insurer sent check payable to us as homeowners and mortgagee of record, Wells Fargo Bank. Check was executed and forwarded to Fargo whom received same on XXXX/XXXX/15. Prior to this, all required documentation forwarded to and received by Wells Fargo. We requested to be named XXXX on the property repairs and were initially allowed by Fargo XXXX see paperwork ) and informed on XXXX/XXXX/15 that a check would be issued and requested overnight. On XXXX/XXXX/15, I was informed that a check was not issued as I must have been given " incorrect information '' that we would not be able to be the XXXX on the project and unless they ( Fargo XXXX received a new set of documentation, no check would be considered. Also, the initial check would not exceed {$10000.00} XXXX which is less than 25 % ) and even though I had previous access to their website XXXX XXXX XXXX, I was not granted any further access due to being in a " modification '' status and all communication would needed to done over the phone or that they ( Fargo XXXX would contact me. If a check were to be issued, initial repairs and monies would be need to be provided by me as the homeowner and any monies due to my independent adjuster would need to come out of my own pocket without reimbursement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation