milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (VA).
Issue: Managing the loan or lease

Complaint: Wells fargo keeps charging for insurance on a ford fiesta. I carry insurance on the car with XXXX. They have faxed them the information that i carry insurance. They are charging me XXXX more a month for ins. i dont need. This is also effecting my credit. They started charging me several months ago for this out of the blue.I would like it to stop now. Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Struggling to pay mortgage

Complaint: Was in the middle of loan Mod when separated from husband and did n't find out that loan Mod was denied due to lack of documents submitted. I was not notified it was going back to foreclosure or that it was set for sheriffs sale on XX/XX/XXXX. I found out first week of XX/XX/XXXX from a neighbor. I called Nationstar and they said it was too late to do anything because was less than 30 days to sale. I asked them to send me the loan Docs they were using to foreclose because I never signed the loan. My husband did as my POA but I never signed a POA for him to be able to do that. They said there were too many pages in my loan ( which was a sub prime loan with a variable interest rate done in XX/XX/XXXX ) to send me those documents. The property was titled in an LLC ( XXXX XXXX ) which went bankrupt in XX/XX/XXXX. The loan note however was only in my name. They sold my home at sheriffs sale XX/XX/XXXX for {$220000.00}. I owed only {$210000.00}. according to Nationstar. It appraised at {$200000.00}. I have a child only a year off XXXX recovering from XXXX XXXX and I 'm losing sleep worrying about this and why I have n't been notified of the sale or why they will not return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is follow-up to my previous complaints regarding the XXXX XXXX XXXX, who continues to report negative reporting for my mortgage account to all the credit bureaus that I was late/delinquent for my mortgage account. This is completely untrue as I 've proof that my payments were made on time and cleared my checking account into my mortgage account at XXXX XXXX. Attached are the screen shots indicating that. XXXX XXXX agreed to waive the late fee, which should have never been assessed in the first place. I 'm just frustrated with this bank and their lack of professionalism and customer service. Resolving any issue with them is talking to a brick wall. Their people always claim that the customer is at fault.

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 07-02-2015 about Bank account or service (Other bank product/service) with American Financial Resources, Inc. (MO).
Issue: Account opening, closing, or management

Complaint: I have applied for a home mortgage with American Financial Resources. They asked me for information in regards to some properties that were included in a bankruptcy, which was discharged and I was no longer held accountable. AFR is claiming they were foreclosed on after my bankruptcy ( keep in mind no longer my obligation ). I know the law states I once the bankruptcy is discharged I am no longer responsible financially for the properties. I provided all the documentation and explained to them the process. They are now asking for documentation that does n't even exist and asking for letter from my accountant that he legally ca n't document. I feel they are discriminating again me because of my previous financial history, even though I have provided all the legal documentation confirming everything in question. Now there are some concerns on what documentation they are asking to provide given lending laws. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with BARCLAYS BANK DELAWARE (CT).
Issue: Credit line increase/decrease

Complaint: Barclaycard US lowered my credit limit to just about match the balance on my card. This increased my debt to credit ratio, hence dropping my credit score, when I did nothing wrong. I was not late on a payment nor did I go above the credit limit. Frankly, I have never been late on a payment in my entire life. My credit report is perfect, but I do have debt. I understand that lenders will frequently evaluate risk and have the " right '' to lower the limit, but setting the limit to match my balance was not fair. This practice frankly should be illegal. If I ca n't just increase my credit limit whenever I want then they should not be able to decrease the limit whenever they want. I do n't deserve this or the negative effect it will have on my credit score. I have been trying to dig out of massive debt since I graduated college 10 years ago, and moves like this by lenders to not make this goal any easier.

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 06/23/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Old debt, may report to credit reporting agencies as unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Vehicle loan or lease (Loan) with VEROS CREDIT, LLC. (CA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Starting on XX/XX/XXXX I have been getting calls from veros credit about a auto loan my mom has. I have repeatedly told them do not call me I have nothing to do with my mother she lives in a different city than me. They call 5 times a day harassing me saying they are reporting my mothers car stolen. Then as of yesterday XX/XX/XXXX they have been using different sheriffs offices phone numbers. They have used XXXX XXXX, XXXX and XXXX sheriffs department numbers so far. The creditors name is XXXX XXXX from Veros credit. One of her many numbers is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (I do not know) with Lionstone Holdings Group (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company has been leaving me threatening messages, stating they will be coming to my home to give me papers. They have also contacted my daughter, who is emotionally unstable, questioning her for information about me and asking her to verify my social security number. They have also told her that I need to be home on XXXX XXXX because they will be bring me paperwork that I need to sign for. This scared her! I can not begin to tell you how upsetting this is to her. I have never received anything in the mail and have no idea what this company wants.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OR).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In XX/XX/XXXX Synchrony Bank checked my credit and issued me a Lowes credit card with a {$300.00} limit. I recently made a small purchase with no issues. Last Thursday XX/XX/XXXX I tried to make another purchase at Lowes and it was declined. After calling the bank they explained to me that they closed my account because of my recent credit history. How is that they issue me a card based on my credit back in XX/XX/XXXX then suddenly close it without my knowledge or consent? I have other accounts with this company and Im afraid they will do it again. Closing accounts negatively affected my fico score.

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 09-05-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Well problem is after all the return I expected to see a XXXX ' balances but I still had a balance so it was XXXX when I called XXXX XXXX which is my XXXX credit card store right now is XXXX and I just hung up the phone on the represanative There is no purchase protection this bank are cheap sluppy disorganized During the 2 hour I waisted on the phone I have been transferred to 8 different rep and keep tossing like a basketball between different departments and no one knows what 's going on then after all this time the repressnetive instead of choose the short way and just dispute she decided to call the merchant after 3 months?????

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 12-09-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Application, originator, mortgage broker

Complaint: I purchased a home in XXXX, XXXX in XXXX, MD. I was up-to-date on my payments until XXXX XXXX. The house was listed for sale in XXXX XXXX as I had secured a position in XXXX to begin in XXXX XXXX ( XXXX ). I attempted to get a deed-in-lieu from my mortgage lender but proceeded in getting referred to office, number, after office, number. I moved to XXXX XXXX XXXX ( the house remained on the market ) but continued to make mortgage payments on the property for 3 more months. All the while getting the run around by the lender about deed-in-lieu, short sale, etc. 
Finally, I XXXX XXXX I declared bankruptcy for basically just the property. Unfortunately, my lawyer did not explain to me that while Chapter XXXX wiped out the debt - the property would remain listed in my name until a foreclosure sale was held. I was led to believe the bankruptcy would remove the home, mortgage, and property taxes from my name and return it to the lender. 
The lender sat on the this property until XXXX!!! Finally, in XXXX of XXXX it was auctioned off. According to an attorney I was working with during that time, the property sold at auction in XXXX XXXX. This was verified by myself with the XXXX County Courts. 
The problem : The purchasing party at the auction did not transfer the property out of my name until XXXX XXXX! when they sold it to a private party. I believe the purchaser of the property at auction as JP MOrgan Bank. Because of their fraudulent or negligent behavior, I have been prevented from purchasing another home. I have been gainfully employed since XXXX. This issue came to light, when 3 years after my bankruptcy, I put a contract on a home. At that time, I was attempting to secure an FHA loan. It was found that although it was 3 years after the bankruptcy - it was not 3 years after the foreclosure because the property sat as a " phantom '' vacant house up to that time. I was told I would need to wait 3 years after the property was sold at foreclosure. 
I have done that - waiting patiently for the opportunity to buy a home. Now, I am checking the Maryland XXXX real property site and it is showing the property did not sell until XXXX, XXXX. But both my lawyer and myself confirmed with XXXX County courthouse the property DID indeed sell at auction in XXXX XXXX. 
Can you please, please help me? I would very much like to secure an FHA loan to purchase a home and would like to begin my search in XXXX before my lease is up. 
Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, FL XXXX XXXX, GA XXXX Experian Dispute Department XXXX, Texas XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX ( Experian ), XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, FL XXXX

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 02-11-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with TIAA, FSB (CT).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I contacted Everbank, the servicer of my mortgage, requesting a modification of its terms in an effort to avoid default. My monthly mortgage payments had recently escalated 24 % when the loan converted from interest-only to a conventional ARM -- an increase that was unanticipated ( as interest rates had actually fallen substantially since the mortgage was originated ) and unsustainable given my financial position. Frustrating conversations with Everbank, the loan 's servicer, eventually yielded a response : my mortgage had been packaged and sold and could not be modified. I subsequently attempted to contact the loan 's " master servicer, '' XXXX Bank, via their Securities Administrative Services Department, in an effort to identify a staff member with whom I could discuss my circumstances. This task proved impossible. I then made a fruitless effort to reach the " trustee '' for the loan, XXXX, which, in turn, represents the actual owner of the note : XXXX. Asset Backed Pass-Through. 

As to my personal circumstances : in XX/XX/XXXX, the recession having taken its toll, I closed my business and am now in the early stages of a new venture. My resources are finite but, with the cooperation of Everbank, XXXX, et al I could make reduced payments, avoid a personal credit crisis, and render foreclosure unnecessary. I have listed the mortgaged property for sale in order to fund a loan pay off -- but the market remains soft in my area and at my price point. 

It is my full intention to satisfy my mortgage obligation. I simply need to reduce the monthly payments until the property is sold or my new business begins to generate revenue. My difficulty is that I can not locate anyone at XXXX, or any of the other entities involved, to initiate a negotiation for the modification of this mortgage. My complaint is that the financial services companies involved with my mortgage are inaccessible and unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On Thursday XX/XX/XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.

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 04/28/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Collection company did not send documents to validate debt per fcra

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (OH).
Issue: Struggling to pay mortgage

Complaint: This is regarding my father 's home.He XXXX XXXX in XX/XX/XXXX.I was the executrix of my father 's will and continued to make payments, it was n't until the court appointed an administrator that everything bad happened.The administrator was hstile toward the heirs and since he is a friend of the judge 's, the judge never made him accountable to anybody.When I learned that the house was going into foreclosure I got my own attorney to negotiate with the lender but since I did n't have authority the mortgage company did not talk to us.I tried numerous times to talk to the administrator but he never contacted me.I did not know that he never attempted to negotiate with the lender and the next thing I know there was a date set. 
The administrator who was the only one with authority to talk to the lender wanted to unlawfully evict my sister, who has lived in the house over 30 years.He called the lender and told them to winterize the property, I believe that there was collusion between the parties.The mortgage company send XXXX XXXX and instead of putting a notice on the door, the removed the front door and damaged the interior door and proceeded to winterize the property even though there were signs in the house that it was occupied.XXXX XXXX also robbed our home of all of our family possessions.My family came from XXXX XXXX and all the heirlooms were stolen.I called XXXX and told to repair the damages and return our belongings but was told only the mortgage company could authorize that.XXXX changed the lock on the front door and they had the key, they have broken into our home a total of 4 times.I called the police only to be told its not criminal but civil.I filed a complaint with the ohio attorney general and was told to complain here.Someone has to hold these companies accountable.Just because you get a mortgage does n't authorize them to break into your home and steal and do damage.

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 10-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: did not request credit increase from XXXX XXXX dept store and it has damaged my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, I learned of the Equifax data breach through the news and social media. I attempted to check whether I was impacted via the provided portal, equifaxsecurity2017.com, but was only told that I 'd be able to register for the ID protection service a few days later. On XX/XX/XXXX, I tried the website again and was finally informed that I may be impacted by this breach.
I learned from the news that this breach has occurred in XX/XX/XXXX. I am extremely disappointed that Equifax did not discover or disclose this information for months.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Billing disputes

Complaint: Hello there, In XX/XX/XXXX I used my American Express card to purchase XXXX dollars worth of American Express gift cards from American Express. I have never received them. I have contacted AMEX to cancel the order, resend the order, or dispute the change ( I have tried all three routes ) and long story short they keep sending me a form letter response encouraging me to speak to the merchant directly. Unfortunately for me, the merchant in this case happens to be American Express. I have my emailed receipt from American Express, signed by American Express Customer Care, which all clearly indicate American Express is the merchant in question. When I call the American Express XXXX number and speak with someone they understand the issue and tell me they will resolve it quickly, but then I keep getting the same form-letter response via email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-10-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: As a result of filing a complaint for Case number : XXXX, Ditech has now accelerate the note to default because they claim they did n't know if we wanted to stay in the home and were restricted from calling us. This is unfair practice, not true and retaliation! I have made many attempts to call and left messages to response to my calls with no return calls. I have asked for repayment documents agreement and have never received them. We are only 2 months behind and when we finalize selling one of our assets, we will bring the mortgage up to date. Please advise on how we can stop Ditech from conducting this unfair practice and the acceleration.

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