milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Debt collection (I do not know) with Halsted Financial Services, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a phone call tonight XXXX on XXXX XXXX 2017. They refuse to tell me what they are calling for, or what " debt I owe. They will not give me any info until I verify my social security number- not happening. They call ALL DAY everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I checked my credit report on XXXX XXXX and notice a collection debt. Called up a company named Midwest Recovery who was not the original creditor. I told them there must have been a mistake. So I disputed the debt. The original collector was XXXX XXXX XXXX XXXX. I never heard of them and never borrowed money from them, but some how they got my personal information. The debt that they said I owe was in the amount of {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is currently reporting a student loan from XXXX that was PAID AND CLOSED as Current Status : 120+ DAYS PAST DUE this is NOT the current status - the current status is paid & closed. This is very damaging to my credit. I applied for a loan and was denied by the lender and they informed me that XXXX was reporting as currently 120 days past due when it is closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good afternoon, I am making a dispute against XXXX XXXX XXXX  XXXX XXXX XXXX XXXX And FIFTH THIRD bank for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Application, originator, mortgage broker

Complaint: I refinance my house in approximately XXXX 2008 and when I financed itCountrywide Bank Loans put me into an FHA loan which I 'm sure I did not need. At the time I was making at least {$75000.00} a year, I had a truck payment approximately {$400.00} a month and a mortgage payment. Also my credit score was between XXXX and XXXX so my credit score was not bad. I had some arguments with them regarding the FHA loan, but I was unable to get anywhere with. I 've done a lot of research on the Internet and I found that there is a settlement, but I have no idea where to go to claim this money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: ON  XXXX / XXXX / XXXX   PNC B ank reported me to  XXXX  for suspected fraud activity and closed my bank account. About 8 months later due to moving, I had another bank account at another commercial bank that I decided to move to another bank so I closed the account and went to the new bank tried to open a checking account and Due to the  XXXX  report from  PNC  Bank, I was unable to open a new checking account When I found out tha t PNC  placed me in the  XXXX  I contacted them via phone and paid them {$690.00} on  XXXX / XXXX / XXXX  that I did not know that I owed them and requested relief from the   XXXX   report. That  Relief  never came.     on  XXXX / XXXX / XXXX  I wrote them asking for the report to be deleted because  PNC Bank Previously Confirmed  to  XXXX  the suspected Fraud was accurate and Verified it as accurate to my dispute with   XXXX  . on  XXXX / XXXX / XXXX  I have requested specific documentation of the alleged fraud how such fraud was committed, Documentation and proof of me doing suspected Fraud. Documentation of how such said suspected fraud was committed. I have also asked for  PNC  Bank to give me  PNC B anks    XXXX     Reporting policies of how they report customers to  XXXX  and the procedures they must follow. To Date, I have gotten Nothing From PNC Bank.     It 's now  XXXX / XXXX / XXXX  and demand relief from PNC Banks Report of me in    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Trouble during payment process

Complaint: I refinanced my loan about a year ago. I made some extra payments in the first month which the company did not apply to principle and I had to call them to fix that.     Somehow this has irravociblely screwed up their computer systems. Every month, I pay my {$5000.00} on the  XXXX  of the month. {$4200.00} is due on the  XXXX . Every month, they charge me a late fee because they think I am paying on the  XXXX  for the previous month. Yet, I have never missed a month since the beginning. I have called 3 times about this and each time they fix it, but the problem restarts the next month.     I am wondering if this is some sort of game they are playing with lots of people 's mortgages. It is very easy for someone to not spot the {$150.00} late fee with big payments like this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Other mortgage) with Credit Technologies, Inc. (MT).
Issue: Application, originator, mortgage broker

Complaint: I am a card carrying XXXX and wanted to see if I prequalify for a special home loan offered under HUD. So I spoke with an agent via email. I did not give my consent or a written or electronic signature to approve a hard credit inquiry. My credit score dropped XXXX points after not XXXX but XXXX pulls in less than 24 hours. And I did n't get an answer weather I prequalified or not. I call this company Monday morning and they kept hanging up on me. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Basically I started an account with bank of America because I really love what there bank has to offer. A week or so later they close my account and tell me to come and pick up my money at a location and still to this day will not give me a reason why or will not allow me to have an account with them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo Home Mortgage Has not recorded a rescission of a notice of a notice of default as required by California Law ( Assembly Bill 278 ).
Wells Fargo Home Mortgage Has approved the Short Sale of the property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX . All parties have approved the short sale. Proof of funds and financing documents have been provided to Wells Fargo Home Mortgage ( Authorized agent of beneficiary ). As per California Law, Wells Fargo Home Mortgage must record a rescission of a notice of default.
Wells Fargo Home Mortgage has failed to record a rescission of the notice of default.
Please have Wells Fargo Home Mortgage comply with California 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 non-monetary relief
Consumer complaint received 01/18/2018 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Trouble during payment process

Complaint: I have an insurance claim and the check was made out to mortgage company and myself. The company has been troublesome rude and threatening in processing this money back to me. I am concerned about the ability to do the repairs insurance is paying for when they are getting in the situation

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: After suffering financial hardship due to divorce and reduced work hours, I requested my mortgage company to approve a short sale on my house. A foreclosure sale was scheduled in 14 days ( XXXX XXXX, 2016 ) but we had just received an offer for {$210000.00} that would pay off my loan with them ( Pay Off Amount is {$200000.00} ) and only leave them to pay part of the commission to the real estate agents and other closing costs. My agent sent them the purchase contract along with other documentation they requested and asked them to please postpone the foreclosure sale until they have time to thoroughly review the offer in hand and make a decision as to short sale approval. They informed my agent that since we only had 14 days until the sale and their internal process required 15 days to stop or postpone a foreclosure sale, they could not stop the sale. This is AFTER we had just told them we had an offer in hand from a qualified buyer. They still said because we only had 14 days, they probably could n't do anything. My agent told them all they had to do was pick up the phone and call the trustee and tell them to postpone the sale for 30 days and that should not take 14 days! I am furious and very confused as to why they would not just postpone this foreclosure when they know they have an offer in hand that will pay them off in full minus a XXXX dollars in closing costs. PLEASE HELP ME. I just need them to postpone the sale at this point, for 30-60 days, to give us time to get the short sale worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Upon learning this unknown company called my relative inquiring about me and a debt, I received a call on XXXX XXXX, 2016 I spoke with a XXXX and was told she was with XXXX XXXX, a mediation company, in regards to a debt I have with Advance America a payday loan company. I informed them that they violated the Fair Credit Reporting Act for contacting a relative whom I did not have contact information for let alone on my application to contact nor my persmission to contact the relative. She informed me she got her contact information from a background check and they had the legal right to do so. At this time informed her I was being represented by a firm in which was handling my debt and if they had did a thorough enough background check they would know to contact them and not me nor any relatives in regards to this matter. She refused to obtain their contact information and I also informed her that I would not like to be contacted per my rights. 
I contacted my company representing my debt and informed them of the situation and they needed the company 's contact information as they had not heard of this group and informed to make no further contact and to not accept contact from them. Upon calling to get their contact information I was given to a XXXX XXXX whom stated he was Investment group whom buys these cases to make money, I was being sued by his Auditor at XXXX XXXX and the true company XXXX XXXX XXXX has already filed on the case yesterday after my call and if I wanted to settle or make payments it would be through his auditor XXXX XXXX and refused to give his address or contact information. I was informed to call Advance America, whom would say it was sold to XXXX, in which XXXX would send me to XXXX XXXX which is XXXX XXXX XXXX and that my firm I was working with has nothing to do with this matter and is nothing but a waste of my time and money. That I do not need to utilize them or gain their authority to make a deal now or I will be getting sued and that he could see that I 'm on a fixed income and the judge would make me pay about XXXX- {$90.00} a month and I have to take care of it or I will be getting sued because he only bought my case and plenty of others for the money off of them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear CFPB, I previously contacts you concerning my loan modification with Nationstar Loan # XXXX. I have provided all the information they have asked for in a timely manner without fail. Even though I have been previously pre approved by HUD representatives and loan officers, Nationstar continue to deny my modification for the same reasons regardless of the increase of my income. 
XXXX/XXXX/2016 I spoke to XXXX XXXX who told me that I was denied on the XXXX due to negative disposable income. ( I had call for an update on the XXXX of XXXX XXXX spoke to XXXX and he said that my modification was still with the underwriter for review and that I should call back the following week ). I am actually was very disappointed that the XXXX XXXX did not inform me with the accurate information about my loan modification status on the XXXX/XXXX/2016. 
XXXX XXXX explained to me that the guidelines they use only uses 75 % of my rental and 80 % of my income to disqualify me. ( My rental income pays the mortgages, tax and insurance expenses with {$1000.00} available after all expenses paid, but their guide lines only uses 75 % and then deduct the mortgage and tax and insurance expenses, which leaves a negative income. They also use only 80 % of my gross income instead of my full income. Later the same day, I call again and spoke to miss XXXX to confirm their calculations, she did but at the end said that I have no option with getting a modification and the only option would be a deed in lieu. I realized that she was trying to intimidate me and scared me as previously done by nationstar employees. Then she tried to justify her statements. I hope it was recorded. XXXX/XXXX/2016 XXXX XXXX called and also told me that my option is to do a deed in lieu. 
Previously, two plus years ago, XXXX and XXXX had given us a modification for our XXXX rentals which are bigger properties with a much larger loan balance. We were only making 25 % OF WHAT WE ARE MAKING NOW but taking all into consideration they have given us a loan modification and we have never been default or late with our payment since. Now this is our principle property and we are making 200 % more than previously stated but Nationstar is using a ridiculous guideline to calculate and disqualify my loan modification. I strongly feel that their company should be investigated thoroughly. I am wondering if it is because of my Name, interracial marriage or just racism. Again, XXXX/XXXX/2016 XXXX XXXX called and harassed me about signing the property over and that I am not qualified for a loan modification. Every day since they have told me that I was denied, when I call or they called, they say that my only option is to sign the property over to them to avoid foreclosure. XXXX XXXX and XXXX were very rude and abusive, tried very hard to break me down. 
Please help me resolve this matter for there are many other homeowners facing the same problems. 
Thank you Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion has failed on several attempts to update my credit as asked. I have faxed information regarding my identity as well as XXXX accounts on my credit to include XXXX and XXXX XXXX XXXX. In regard to my identity, I stated to them ... my name is XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX GA XXXX, phone number is XXXX, employer is XXXX University. Transunion continues to disregard my dispute after sending in my personal identification to verify this information. 

My second issue is that they continue to report incorrect unverified collection accounts on my credit. They are AFNI, XXXX XXXX Bank and XXXX COLLECTIONS all of which I have an open dispute case with the CFPB. My dispute efforts are updated with new information added however they fail to verify this " new information '' with me and continue to leave these items on my credit. I have submitted disputes online as well as via mail in which they fail to acknowledge my issues.

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 11/22/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Case # XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX I filed my first complaint on XXXX XXXX, 2016 Response was received with letter dated XXXX XXXX, 2016 What happened from then? 

In XXXX XXXX, 2016 we had a 6 hour mediation at ours attorney 's office in XXXX XXXX, Florida. After a long negotiation of the key terms of Carrington 's last Trial Modification Agreement dated XXXX/XXXX/16, we concluded with little progress. Carrington 's attorney recommended that we contact their internal office FMR to seek some assistance and direction. Advise that our attorney followed with a few telephone conversations. 
A few weeks ago, Carrington 's attorney contacted us with the question, - " Are you in a position to come up with a Good Faith PAyment of {$120000.00}? '' We viewed this communication as a positive and agreed to it. A few days ago we received their latest offer for a Trial Modification Agreement dated XXXX/XXXX/16. 
With a sense of disbelieve we notice that the new offer had the following changes from the terms negotiated so hard during the face to face mediation : - The XXXX trial monthly payments went up from {$8700.00} to {$9400.00} - The Principal Balance went up from {>= $1,000,000} to {>= $1,000,000} Yes, the Good Faith Payment was {$120000.00} as per recent emails. 

Incredibly insulting with total lack of respect following a sincere and honest mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with AFNI INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Afni, Inc. reported to the three major credit reporting agencies that I owed XXXX dollars for an XXXX XXXX XXXX account. I contacted them by phone to inquire about this dept. They told me that I owed this money for an XXXX XXXX XXXX cell phone account. I explained to them that I do n't recall ever having an XXXX XXXX XXXX account, and ask them to validate this account. They refused to do so, so I ask who owned the account, and they replied that XXXX XXXX XXXX did, so I then told them I would call XXXX XXXX XXXX. His reply was go ahead, they will just refer you back to us. I called XXXX XXXX XXXX, and spent at least 30 minutes on the phone with 3 different  departments, and they had no record of this account, searching by name, ss number, phone number. I did this twice, and spoke to different people each time. They had no record of this account. I then called Afni back, shared this info, and tried to get them to validate the dept. instead, they question me of why I needed this info, and tried to coheres me into filing a report of identity theft. They continue to refuse to validate this dept, which probably is false.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: APR or interest rate

Complaint: I spoke with a supervisor by phone with Sears today. I asked if I could get a lower interest rate, but they said 25.24 % compound daily is the standard for CCs. I make monthly payments consistently the XXXX week in each on my credit card. My account is due on the XXXX. I pay more than the minimum account due. Only about {$88.00} of my {$200.00} payment reduces the {$4000.00} balance. In order to avoid paying so much interest, I was told to make payments around the XXXX after Sears billing cycle around the XXXX. That way, I will pay XXXX days interest instead of XXXX days interest. I have had this account for XXXX years, and this is why it 's taking such a long time to payoff. According to Sears profile, if this continues, I would have paid them {$13000.00}, for this account. This appears to be a tricky way for Sears to keep me ( consumers ) in debt. The billing cycle date was not significant to me. They scheduled a due date, however, if I pay on the due date I pay more interest, than closer to the billing cycle date. This does not seem fair to me, nor consumer friendly. Thank you for your attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Both of our mortgages were sold to Green Tree Servicing , LLC by XXXX XXXX XXXX. XXXX were the original mortgage lenders. Both mortgages # XXXX and XXXX, are in foreclosures status. We are trying to work out an amicable and achievable modifications for both. On XX/XX/XXXX, I received a call from Green Tree, rep, XXXX regarding account # XXXX. He proceeded to inform me that I was missing some documents and missing info on XXXX form. He was very rude, derogatory and belittling. His tone was offensive. I finally requested that he does not call me anymore. My husband and I already feel bad about being in this position. We are not criminals, which was how XXXX was conducting our conversation. When I told him that he lacks customer service skills, he proceeded to inform me that he 's a debt collector, he implied that he operates under a different set of rules. Are debt collectors allowed to demean and 'bully ' their clients??? 
I would like both of our mortgages to be sold to another mortgage lender before re-modifying.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief