milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2016 about Mortgage (FHA mortgage) with Statebridge Company (FL).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern, In XXXX we faxed documentation copy enclosed, to Statebridge for a modification application. After no response from Statebridge for XXXX, XXXX, and XXXX we had no other options to file a complaint with the Consumer Financial Protection Bureau. 
On XXXX XXXX, our counsel contacted us regarding a letter dated XXXX XXXX, XXXX from servicer, " Statebridge '' on missing documentation. On XXXX weekend we faxed the required missing paperwork on XXXX XXXX, XXXX. 
Our counsel was never given to the loss mitigation department 's contact information, and on XXXX XXXX, our counsel tried several times to contact Statebridge 's counsel. He left several messages, and none of his phone messages were returned. Finally, he contacted Stagebridge on the only contact phone number given and this is the servicer 's customer service line, he wanted to verify that the loan modification application is complete. He was told : " You will have to contact our counsel, and I ca n't transfer you to loss mitigation department '', says XXXX, a manager. This is a typical example where Statebridge neglected to communicate with our counsel on missing pages which resulted in the foreclosure of our home. Servicer did not demonstrate reasonable diligence when obtaining documentation and information to complete the application, which resulted in foreclosure of our home. 
On XXXX XXXX property was foreclosed due to missing pages that was not included in the fax. The most recent pages that were available and were sent immediately to validate that we had all pages needed to avoid foreclosure, copies enclosed. All 6 months of bank statements of both owners, profit and loss, including the XXXX tax return. Documentation was ready and available for Statebridge, including my Social Security XXXX Benefits, and our school aged daughter 's benefit was also enclosed to validate our income. My daughter and her father have the same last name, this is classic example on Statebridge 's negligence towards how they do not communicate with us on pages they received or pages missing for completion of our modification process. 
Servicer is simultaneously evaluating the homeowner for a loan modification while avoided, rushed and pushed through to foreclose the home. We never received any communication from servicer except the letter dated XXXX XXXX, as a homeowner I am confident that the banks accepted the Government Bailout in lieu of rendering the homeowner homeless. Many banks seek relief from the bailout and received billions of dollars from the Government only to enrich their own pockets. I am a homeowner that this bailout was intended to rescue, but instead Statebridge has taken the Government Bailout and today, I am considered homeless homeowner, displaced by Statebridge 's negligence. 
Our mortgage is a FHA fixed with interest rate of 8.5 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a certified letter to XXXX and the Collection Agency to verify/validate the debt by sending proof of verification that I owe this debt, it is not enough for the Collection Agency to simply send me a print out of an amount allegedly owed. 

If they are unable to verify this debt, they are not allowed to continue listing this debt on my credit report. I have made a dispute with the credit bureaus as well and they still are reporting this on my report without having verified this debt belongs to me. 

Please assist me with having this company remove the listing from my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Did not receive a written document explaining debt from XXXX. Was not notified in order to pay the debt. The account was closed and was not told there was a balance left and was not given the opportunity to settle the debt by phone or letter. 

Found out XX/XX/2017 from a collection agency. Once notified I called XXXX in XX/XX/2017 and asked to settle and pay the debt but was told the debt was already with the XXXX XXXX collection agency. I settled the debt with collections but now have the collection account still on my credit report. I need this removed as I was not given written document allowing me to settle the debt with XXXX. 

Please remove this collection account with XXXX XXXX. The original creditor is XXXX. 

Thank you

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 02/16/2018 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: Account status incorrect

Complaint: This report stated that the PNC account is 30-59 days past due and that is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (I do not know) with Assured Financial Partners (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: they continue to contact family members and leave voicemails stating they are contacting me regarding a civil case filed against me regarding an apartment on XXXX. I do not owe any outstanding debt. I looked up the name of the company online and the number they are calling from and found that it shows they call family, friends, neighbors and/or places of employment ( past or present or both ) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I have struggled to increase my Credit score for the last year, getting a score of almost 700, which after horrible abuse from a husband and finally getting a divorce was a great achievement. BUT>>>>> On XX/XX/2018 I contacted XXXX to start repaying a 20 year loan. XXXX, instead of helping me they reported that I was 90 days late to TRANSUNION AND XXXX agencys PLUMMETING my credit score to XXXX which is horrible and below average. 
I tried calling to correct this and they replied ... ... .. TOO BAD!!! 
They have harassed me for years and I would go into forbearance on their advice. 
My score is so important to me as I have really tried hard to make it better for obvious reasons. PLEASE help me remove XXXX  NEGATIVE reporting on my credit report I borrowed XXXX for school and now it is close to 14,000.00. 
I have read that XXXX has class action law suites against them and would like any advice

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 12/29/2017 about Checking or savings account (CD (Certificate of Deposit)) with ALLY FINANCIAL INC. (FL).
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint: When I called Ally, the company holding my CD, I was interrogated to establish my identity.  But the questions varied from the usual.  After ginving my mother's maiden name, and all the other usual identifiers, I was asked to identify "XXXX"  something or other.  When I responded that I had no idea what they were talking about, they demanded my social security number, to which I told them I only gave to medical or social security employees.  We had a brief exchange where I gave theme the legal reasons why they could not use my number for their purposes, and suggested they use the same questions the other eight financial institutions used with my accounts: either my birthdate, or the Ally account numbers they had given my account.  I was told no.  UnlessI gave them my number they would not respond in any manner.  Although I had calledoriginally to verify that my instructions regarding federal withholding were being followed,this made me extremely suspicious.  Especially since I had become acquainted with Allyonly through their primary business:  aurto financing at dealerships, with no local addfressat all. I told them that their lack of cooperation required me to close the account and getan immediate refund of funds to put into another bank. They laughed.

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 04/15/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN).
Issue: Fraud or scam

Complaint: I recieved a call stating that I had won XXXX XXXX XXXX XXXX dollars, from publisher clearing house. I needed to go right then an send money for the taxes, {$1000.00}, then it would be you need to pay {$1500.00} for storage, it kept on for 2 months before I was pawning everything, about to lose everything, owe everyone because I thought it was true, an they believed in me an then when I could n't give their money back, one wanted to serve papers on me, so now I have checks bouncing, so I get her part of her money. I ended up giving them XXXX dollars, i asked for a refund but that is not going to, happen.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: My Mortgage company, Mr. Cooper, keeps adding junk fees to my account. Lately they have been labeling these fees as inspection fees. My mortgage is not behind, it has been paid timely and is usually a month or two ahead. I now have {$1100.00} in fees and no one at the mortgage company can explain to me, why these fees are being added to my account. I have written letters and sent emails, but I never get a response and the fees keep adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Transfinancial Companies, Inc (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt is should not be reported on my credit reports. I stopped seeing this Doctor at XXXX Hospital in XX/XX/2012. My life was in jeopardy and so was my unborn child. I never got to see the Doctor only the Nurse Practitioner. I was XXXX years old had XXXX. I was 5 or 6 months into my XXXX and these care givers had not even referred me to a XXXX doctor. On several occasions that I visited the office my Dr. that i was supposed to see would be setting in her office drinking coffee!! Before changing DRs I had been making extra payments that were arranged by their office to meet my insurance deductible. In XX/XX/XXXX I decided that this staff did not have my best interest at heart and switch Drs at this time all payments were made to the XXXX Hospital I had a XXXX balance. The Drs would not allow me to even see the Dr I was previously seeing before I became XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received my credit report from TransUnion today and in there it says I have a balance due of {$270.00} from XXXX that went to the collection agency XXXX. I have never had a account with XXXX, and when I called, they informed me that they have no information on me or any record of me ever being a customer with them. I then tried to fill a dispute online and over the phone with TransUnion and was denied because they could not confirm my identify based on the questions they had asked me ( questions I could n't answer because they 're possibly about whoever is stealing my identity or whoever they 've mistaken me with ). They were asking me questions about a auto loan and a mortgage, neither of which I have never taken out. I tried several times to tell them that fact, and also informed them there was another name and phone number on there that is n't me, and that this could potentially be a case of mistaken identify or even identify theft. I was told there was nothing they could do because they could n't confirm my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Vehicle loan or lease (Loan) with SUMMIT FINANCIAL CORP (AL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: i believe this company is practicing unfair billing practices because every month I 'm paying my bill on time and my payment is purposely getting lost. I need them to remove the late remarks from my credit that were all due to their mistake.My credit worthiness is very important and defaming my character creates a misrepresentation of who I am in the eyes of lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Payday loan debt) with GMA Investments, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from the original creditor on  XXXX  of  2016  with all documents stamped as paid  XXXX   XXXX   2016 . I had gotten the occasional call about the debt and explained it was paid and faxed the papers to a company did n't hear from them again. Now I constantly get phone calls fro m Summit Receiving sayi ng it 's not paid. One person gave me their email so I sent the email to them with pictures of the documents. I received another call today told them I already gave it to them, I had to call back because he hung up on me when he called me which is what happens every time they call me. He told me he reported it to the credit bureaus then read off my SSN and told me multiple times " your credit is destroyed now ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Mortgage debt) with LAKEVIEW LOAN SERVICING, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a new home ( address XXXX XXXX XXXX, XXXX, Az. XXXX on XX/XX/XXXX. Funds were wired from my mortgage company to Lakeview Loan Servicing ok XX/XX/XXXX. 

The seller was in foreclosure prior to the completion of this sale. Funds remitted to Lakeview paid his loan in full and should have resulted in the stoppage of foreclosure. It did not, and a foreclosure sale occurred on XX/XX/XXXX. 

I have tried, unsuccessfully to get into contact with Lakeview to have them resolve he matter. Foreclosure should be rescinded immediately. 

Separately, the debt collector/attorney of the company which purchased the foreclosure stated verbally to me that they knew the lender had messed up but that they needed to threaten me with action to get me to put pressure on the mortgage company .... Not ethical business practices on behalf of attorney XXXX XXXX in XXXX az.

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 01-07-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MS).
Issue: Application, originator, mortgage broker

Complaint: I have a baloon mortgage with Wells Fargo. I have been trying to get a refinance with a better rate and more reasonable terms. Our refinance consultant has made it almost impossible to accomplish this. He/ they have made unreasonable demands before they can close. The amount in question is very small and our appraisal is more than twice the amount to be refinanced. Very poor communication and customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2008 I got behind on mortgage. After a long time Wells Fargo foreclosed on the house. After some more time I got a XXXX with a crazy low Fair Market Value of Property of {$77000.00} & Balance of Principle Outstanding of {$190000.00}. Wells Fargo is coming after me for the difference.

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 12/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MO).
Issue: Money was not available when promised

Complaint: On Tuesday, XX/XX/XXXX, I made an " instant purchase '' of XXXX Ethereum from Coinbase.com using settled funds from my USD wallet in the amount of {$5800.00}. Under the circumstances described, the Ethereum was supposed to be delivered instantly, and I was given a guaranteed delivery of XX/XX/XXXX when my funds were nearly instantly withdrawn and the purchase " completed. '' It has been a week, and I have yet to receive the currency I purchased. I have attempted to contact them at least a dozen times through their worthless online support system, as well as their alleged XXXX @ XXXX name, but I have not gotten a single response from a real person at all. I received approximately two automated response emails with links to help articles that did not answer my questions, and was asked to " reply if I still needed help, '' which of course I did but no one ever responds. It has been a week and I feel like they 've stolen nearly {$6000.00} of my money. Not only that, if I were to have received the currency when promised, I would have been able to turn a profit of nearly {$1500.00} because of the spike in value I anticipated and attempted to buy ahead of. But since it 's taking so long for them to deliver the " pending '' Ethereum ( that still says " Delivery by Tuesday, XX/XX/XXXX ), my fear now is that by the time they deliver it ( if they ever do ) it wo n't be worth what I paid for it because of their unexcused, unethical delay of currency delivery. I am beginning to think they just stole my money and the situation will never be rectified. No one there even acknowledges that I exist, I have n't gotten a single legitimate response and my problems just goes unanswered. I just want some answers and some rectification.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is incorrectly showing an amount for collections for a XXXX card. This card was closed an paid and the amount was transferred to a new card. This should be removed from the credit statement. Both XXXX and XXXX are not showing this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Latest Issue : defaulted on loan. To avoid Navient 's taking money from pay check signed up for 9 month payments {$50.00} on time. After only 6 months, I got forced into a consolidated income sensitive loan. I 'm unemployed. They want {$69.00} a month. I have not paid for 2 months so they want me to go into forbearance. I tried to make payment with Unemployment debit card. The ONLY form of payment they will take online is customers checking account. 
Not only did they breach a contract of 9 months but they bullied me into a consolidated loan I will never be able to repay in this lifetime. Further, they make it virtually impossible to make a payment online. I have never been asked by any billing for my checking account and not accept Debit card. The amount I owe is {$300000.00} from a loan that was {$50000.00} XXXX XXXX. The loan amount is too complicated to send via email.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with MOUNTAIN WEST FINANCIAL, INC. (CA).
Issue: Credit decision / Underwriting

Complaint: Rec 'd a notice on my door that had my mortgage name on it. It said to call number. I called number and got Mt West Financial. My mortgage company is XXXX so I hung up and called XXXX. XXXX said my account was in good standing and said that Mountain West Financial is an affiliated company with them. So, I called XXXX, the number on the card and proceeded to try to confirm information. They kept asking for more. I did give them the last XXXX of my son 's ss # ( I am an authorized caller on account ) and now I am worried that this is not a real company but a scam. I told them that I would not give anymore information and that if they needed information they should write a formal letter. 
I am afraid I gave them too much as it is. I called XXXX again to confirm that Mt West is affiliated and this time the CSR said " No ''. I would like to request that the information that Mt West Financial ( at XXXX ) obtained from us be expunged from their records due to the fact that I believe that information was extracted under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Trouble during payment process

Complaint: I recently closed on my loan, and my loan was quickly sold to Wells Fargo. 

Wells Fargo, without any reasoning or backup, changed my escrow withholding to be different than what is on my closing documents by about {$200.00} a month. The forecasts they used to justify this change are wildly out of line with closing documents as well as documented county tax information. 

They are telling me they will not adjust my escrow amounts due despite my having documentation of my closing estimates and my tax bills.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My company credit report came wrong, I did a dispute back on XXXX XXXX, they promised to fix the problems and send me the report corrected. It is almost 60 days and nothing each time that I call, they say : " your case is on investigation and someone will call in the next 24 hours '' and no buddy calls. I have call them no less than 9 different times and always is the same

Company response to consumer: Closed with explanation