milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: The primary reason for my complaint is that Chase Mortgage, who is the servicer for my loan ( # XXXX ), is in violation of dual tracking. Chase has notified me of a foreclosure date of XXXX XXXX, 2015, while I am in active consideration for a modification. I have submitted my full application for a modification on XXXX XXXX, 2015. They requested additional information, which I sent to them on XXXX XXXX, 2015. I received a letter on XXXX XXXX, 2015 notifying me of a foreclosure sale date of XXXX XXXX. I called and spoke to a customer assistance specialist at Chase on the XXXX of XXXX. They explained that the information I submitted needed to be resubmitted with some corrections, which I immediately corrected and faxed back to them on XXXX XXXX. I also questioned why a foreclosure sale had been scheduled when I am in active consideration for a modification. The specialist told me that once they had everything, the application would be submitted to underwriting and that at that time the sale could be postponed. I have submitted several modification applications with this lender. They have repeatedly made errors in processing the modification and in calculating my income. The lender is a private lender ( XXXX XXXX XXXX Bank of XXXX XXXX, CA ) and does not participate in HAMP. They do however ; supposedly have their own modification program. My goal is to avoid foreclosure and to secure a modification. If that is not possible, then I would like to have time to pursue a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: It has been about 3 years since I 've discovered that the credit bureaus made an error, where they have me and my brother as the same person. We do have very similar names, mine being XXXX XXXX XXXX and my brother 's being XXXX XXXX XXXX, and our social security numbers only have a differing last digit while the rest of the numbers are identical. I have filed for dispute multiple times as my brother did, and we were also forced to pay a fee to correct this error last year. Just recently, I 've discovered that I still can not pull my credit report and all of my credit history is combined onto my brother 's. 

I would really appreciate any assistance in rectifying this issue as soon as possible.

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 Experian Information Solutions Inc. (MD).
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: After disputing items on my XXXX  report I received another alert of reinvestigation updates from Experian. Disputes referencing fraudulently activity within creditor operations and the credit bureau has caused my consumer file to reduce 100 points from XX/XX/2017. 

Experian allows creditor to update not additional information but to fill in additional derogatory statuses from the date account was closed and charged off. Stating they take the Creditors word and have the right to decline reinvestigation

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 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Support Collectors, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I hired a fencing company in XXXX XXXX to install a new fence. They damaged my landscaping and did not install the fence per our specifications. They were paid 65 % of the estimate but refused to correct the issues for the remaining balance. Another contractor was hired and paid to fix the fence and the landscaping. The fencing company has now sent the balance to a collection agency who has reported this on my credit without any proof that the money is owed. Collection agency was advised of this in XXXX XXXX and again in XXXX XXXX - no further legal action has been taken by the collection agency or the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Non-federal student loan) with Williams & Fudge, Inc (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I am a XXXX Veteran, and this company continued to threatened me without any proper verification of this alleged debt. This debt is not mine and i have continued to request for validation and verification but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Obtained a car loan wi th Credit Acceptance Corp  in  XXXX   XXXX . Was involved in a motor vehicle accident in  XXXX   XXXX . Car was totaled. Credit acceptance Corp received check fro m Insurance Company (   XXXX   ).  A few moths later they sent a letter requiring me to pay additional balance ( around {$2500.00}  ). I s aid I would as long as they returned car to me since they had car and also the insurance pay off. They refused to do so. Finally ion  XXXX   XXXX  I gave up and agreed to a settlement. Paid {$1600.00}.  Credit Acceptance  was still reporting me to credit agencies  XXXX   XXXX . I want the late payments removed from my credit reports since it was settled and the reason I was not paying was because I was disputing.

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 08-12-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Problems when you are unable to pay

Complaint: I AM SUBMITTING THIS COMPLAINT TODAY AGAINST THE SPRINGLEAF FINANCIAL SERVICES COLLECTION AGENCY. 

My account # - XXXX 1 ). SPRINGLEAF financial services collection agency threatened me today, XXXX XXXX, 2016 at approximately XXXX XXXX for past due loan repayment in the amount of {$160.00}. 

2 ). SPRINGLEAF FINANCIAL SERVICES HAVE CONSTANTLY HARASSED ME FOR A DEBT OWED TO THEM IN THE AMOUNT OF {$160.00} for 1 month payment past due. They have been excessively calling me XXXX - 6 times a day. And, sending me numerous letters and emails for just 1 month past due payment in the amount of {$160.00} 3 ). I attempted to contact SPRINGLEAF FINANCIAL COLLECTION DEPARTMENT TODAY BECAUSE I COULD NOT TAKE THE HARASSMENT AND THREATS ANY LONGER. 

But nothing was resolved because SPRINGLEAF REFUSE TO DO A DEFERMENT, PROMISE TO PAY OR EVEN TRY TO BE A LITTLE COMPROMISING DUE TO MY CURRENT FINANCIAL HARDSHIP SITUATION AS I HAVE REPEATEDLY INFORMED THEM OVER AND OVER AGAIN. 

THEY ARE VIOLATING SO MANY CONSUMER PROTECTION LAWS AND SHOULD BE FINED AND STOPPED. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent letters to the three credit agencies ( Equifax, XXXX, and XXXX ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Violation of the California Homeowner Bills of Rights : PennyMac violated automatic stay rule while modification in process ( Notice of default XXXX/XXXX/15 ) Notice of Sale ( XXXX/XXXX/15 ) for an auction date of XXXX/XXXX/15. During this time period, my loan was under modification review and I was told that the foreclosure was suspended. After being rejected, I submitted the paperwork for a second review within the 30 day time period. I never received status on the results of the review. I was told by one PennyMac individual it usually takes a " long time '' and then by another individual that I need to " re-submit an entire new modification package ''. 

Not assigned XXXX person throughout process ( talked with XXXX people and received different status and direction from each ) they said they were part of a team however all were unfamiliar with my loan status or able to give me proper direction. 

No access to decision makers ( and their Supervisor ) only through voice mail in which the messages were never returned. Furthermore, I never received status of XXXX-look. representatives from PennyMac were never able to reach the decision makers because they were always in " meetings '', " on the phone '' or " unavailable ''. 

Delay of entering documentation into system : The documentation would be sent through a fax cover sheet provided. They would say that it takes 48 to 72 hours to receive into the system. In the meantime, it is eating away at the 90 day time period because of the delay. I was required to proactively call as all documentation would not move to the next person unless you contacted them. 
Knowledge of California State law : When I received the Notice of Default, they were unable to discuss the time-line with me because they were " not familiar with California Law ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Equifax continually discriminates towards me as XXXX XXXX US citizen *prohibiting all access for me to call executively about my consumer profile from every phone number I have within the US . @ XXXX XXXX XXXX in the XXXX executive office in consumer affairs consists on laughing the matter off than hangs up when I requested their IT dept. This was reported to their human resources director XXXX XXXX XXXX that I suspect internal compliance violations by their executive office that is solicitously invading in affairs of my consumer privacy on purpose & it needs to stop soon or I will seek to press charges. Do n't I have the right to be concerned when I 'm denied technical assistance?

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Today and yesterday I received repeated calls from Wells Fargo dealer service after they have left messages and they continue to call 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 monetary relief
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with PLANET HOME LENDING, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and notice of error - we believe the lender initiated foreclosure within the early intervention period in violation of Regulation X,  12 C.F.R. 1024.41 ( f ) . Your client failed to provide  XXXX   XXXX  with a  Post-Foreclosure Referral Not ice in violation o f 12 C.F  .R. 1024.39 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Trouble during payment process

Complaint: My Mortgage was sold twice in 1 month. It was first sold to RoundPoint acct. # XXXX and secondly to XXXX XXXX acct. # XXXX. Both expected payment on XX/XX/XXXX. 

Payment was mailed on XX/XX/XXXX for due date XX/XX/XXXX to Roundpoint as required and in compliance with my resposnibilities as a mortgagee. This check was cashed. 

XXXX began collection efforts on XX/XX/XXXX, see Consumer Financial Protection Bureau complaint # XXXX. 

RoundPoint has yet to forward the XX/XX/XXXX payment to XXXX. This is over 30 days. 

I am asking for confirmation that RoundPoint has made payment as required for the XX/XX/XXXX mortgage payment. Both companies are not entitled to the same payment. This is a problem between the two companies and not the consumer.

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 04-10-2015 about Debt collection (Credit card) with FMS Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This was my ex-wifes debt that has been investigated by XXXX, XXXX, and experian and proven as Not My Debt and removed from my credit reports. I have sent this company MANY letters showing my case results and they continue to send me settlement offers monthly that even acknowledge that it 's my ex wife s debt!

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 04-10-2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Transaction issue

Complaint: I am writing to your agency because I am very upset the way my bank handled my dispute, they did n't even consider investigatin g. Citi Bank to ld me I had 60 days only and I have been told I can dispute under claims and defenses and I have 538 days. It seems like my bank is taking the merchant 's side and It is not even giving me the chance and did not even consider to open an investigation. The merchant  XXXX   XXXX   XXXX  charged me {$5000.00} on  XXXX / XXXX /  XXXX   and they contacted me by phone and told me their services were necessary for my online business make money, and it would bring traffic to my website. They promised me a banner, an ad placement, vip placement, 3 month ad placement, they would promote rcspromotions website. I never got any results. I am trying to dispute with my bank since I did not get any services rendered and the company ignored my requests of refund.

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 12/29/2015 about Mortgage (Other mortgage) with BANKUNITED, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My father got an XXXX loan in his name XX/XX/XXXX after being approved to build a XX/XX/XXXX. The original bank XXXX was taken over & all assets were purchased by XXXX XXXX XX/XX/XXXX. My father passed away on XXXX/XXXX/XXXX. Roughly 2 weeks after he passed XXXX started harassing us about the loan not having an Owner or signer. XXXX demanded my fathers " will '' that left the rink to my mother be probated, so she transferred the rink to me since I was the other partner in the business. XX/XX/XXXX we were having problems making the payments, so XXXX gave the business 3 months of interest only payments. In XX/XX/XXXX, my family & I decided to turn in the keys. XXXX XXXX ASKED us to run the business until they could sell it. First they were going to Auction it off XX/XX/XXXX, then they cancelled the Auction & they were going to take keys XX/XX/XXXX. This went on until XX/XX/XXXX when we decided that something fishy was going on & we sought out legal council & filed for Bankruptcy. During the Bankruptcy proceedings we found that several of the XXXX Executives sold the {>= $1,000,000} loan to themselves for {$750000.00} under another bank name " BankUnited NA ''. We went through the court system and the day we were going to finalize the agreement, BankUnited brought in an additional lawyer that said he was hired by BankUnited to " Kill '' the business. We had an agreement with BankUnited the day before. My attorney, the attorney we had been working with AND the judge were shocked. We had done everything that we needed to do. After talking to some other XXXX/XXXX/BankUnited victums, they all had the same thing to say. There was no negotiation, just Foreclosure & personal bankruptcy. The group has been buying loans at a reduced cost, foreclosing & selling at a HUGE profit. It seems as though this group is double dipping at the tax payers expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with TD BANK US HOLDING COMPANY (WA).
Issue: Closing/Cancelling account

Complaint: The cardholder XXXX XXXX passed away on XXXX/XXXX/2015, numerous calls to Target Card Services and mailing and faxing the death certificate to XXXX Texas is not helping, they keep sending a bill to our house, make toll free calls etc. This morning I asked to speak with a supervisor, XXXX who simply transfered me to another agent. The agent acknowledged they have received the death certificate. There is no estate and other companies have written off the debts, this company keeps calling us and sending bills even though we have done what they asked of us, to submit a death certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: You are showing my account with XXXX in collections this is not the case the house has been sold. 

See sale docs and the letter from XXXX that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!! 
Equifax has not deleted my bankruptcy per the court Oder per the settlement for the state of VA and Equifax. They have ignored my letters. 
Update XXXX as paid as agreed and Delete the Bankruptcy per court order

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: i HAVE SEVERAL MEDICAL ACCOUNTS LISTED ON MY CREDIT REPORTS ( XXXX, transuNION AND XXXX ) The accounts are from XXXX XXXX  and have been in DISPUTE FOR OVER 6 MONTHS. I have ordered my reports several times and the accounts just show as being disputed but they should have been removed.

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 01-04-2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: I terminated a vehicle lease on XXXX. I took out a new lease on a new vehicle that same day. Lexus Financial Services continued to electronically withdraw, for the next 2 months, money from my account to apply to the car which was returned even though I was free from further financial obligation, and even though I went online to close their access to electronic withdrawals. They reported me once late as " past due '' payments to the XXXX credit reporting agencies, then circumvented my web account management to take money from me. Over a dozen calls to them get no resolution : promises aplenty, but no resolution. Their various departments at LFS do not seem to be able to communcate with each other effectively to solve what should be an easy issue : termination of XXXX lease and initiation of a second.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Medical) with Diversified Acceptance Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: M LEONARD & ASSOCIATES is still reporting on my reports. This accounts was paid & the company agreed to remove it from my report as part of the payment. They continue to report the account after I 've disputed it with the bureaus. It 's damaging my credit & causing me emotional & financial stress. I would like this account removed at once!!!!

Company response to consumer: Closed with explanation