milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2016 about Mortgage (FHA mortgage) with Selene Finance LP (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, XXXX XXXX ( " XXXX '' ) suffered a financial hardship and in XXXX XXXX XXXX hired the XXXX XXXX XXXX to assist him in his foreclosure defense. In the midst of a modification request, loan was service transferred from XXXX XXXX to Selene Finance LP ( " Selene '' ) and after a couple of month, XXXX was advised that the transfer was a mistake and XXXX XXXX was still the servicer. Updated documents were sent to XXXX XXXX and a three months Trial Modification was granted in XXXX XXXX. The first payment was received by XXXX XXXX on XXXX XXXX, XXXX. At the end of XXXX, XXXX XXXX Selene was their new servicer and future payments were to go to Selene. Although XXXX was making his mortgage payments every month, Selene did not process the permanent modification until XXXX XXXX. XXXX went out of business in XXXX XXXX and the XXXX ( " XXXX '' ) took over the law office. XXXX has been making payments each an every month since the trial modification but by letter dated XXXX XXXX, XXXX, Selene advised him that he was 35 days in default and foreclosing proceeding may commence unless they bring the loan current. On XXXX XXXX, XXXX Selene called the new office of XXXX to verify if our firm still represented XXXX and was informed that a Withdrawal of Attorney was faxed to Selene as soon as the permanent modification went into effect in XXXX of XXXX. On XXXX XXXX, XXXX Selene advised XXXX XXXX via telephone in a conference call with XXXX the that the escrow payments were raised in XXXX XXXX and a payment was being held in suspense until full payment on the escrow arrears is made. When told to Selene that XXXX was not made aware that the escrow increased as they have not been receiving the mortgage statements, Selene stated that the statements were being mailed to XXXX and they were being returned as undeliverable. XXXX requested a copy of the undeliverable correspondence as XXXX still receives the mail at the prior address and when informed that Selene has the updated address and phone number ( since they called our firm ), Selene response was to send additional default letters to XXXX. As XXXX can not afford to make the arrears and a full mortgage payment, we requested from Selene that they allow XXXX to add a little more to each mortgage payments until the arrears are current but Selene stated that an entire payment toward the arrears need to be made in addition to the monthly payment in order to stop all foreclosure proceedings. If in fact, Selene has been mailing the mortgage statements, it took them 6 months to communicate with XXXX and as the escrow got raised in the amount of {$200.00} per month, XXXX owes {$1000.00} in arrears, which he can not afford to make in one payment. Although copies of the alleged returned mortgage statements were requested, Selene has not forwarded even one of them and is now sending all correspondence to XXXX but not any mortgage statements.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Applying for a mortgage

Complaint: XXXX Mortgage inflated my Mortgage Principle balance of {$84000.00} to XXXX. XXXX sold my mortgage to Select Portfolio XXXX XXXX and stated my principle balance was {$130000.00} when the loan was sold. XXXX illegally inflated my principle balance by {$150000.00} dollars incurring fees and mortgage modification in house which was never approved by XXXX. I never received any final agreement from XXXX in XXXX. I received a Military assistance program for 36 months of a fixed rate of XXXX percent and a mortgage payment of {$490.00} I was a victim of the Mortgage crisis bubble of XXXX, XXXX was told by the Federal government when they received the " Bailout Money '' to restore all distress properties to a fix rate under the Home Affordability Program " HARP '' but XXXX instead choose to initiate an in house Loan Modification that was never finalized in XXXX. XXXX made money selling off my mortgage and made a profit of {$150.00} or greater. I have a copy of the Detailed Transaction History that shows no Modification made in XXXX through XXXX XXXX. XXXX added the last two transaction in XXXX XXXX. I want my Principle balance restored back to {$84000.00} which is item number 491 of the Detailed Transaction History

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Alliance Data Card Services (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I applied for a new credit card and was declined. Once I was declined, I checked my credit report and noticed that Comenity/XXXX reported my account as delinquent. I called the number to figure out what was going on with my account ( I did in fact have an account that I thought was current ). Upon calling, I was told that my account had fallen behind and I was unsure of why when everything was set to auto-pay. I came to realize that when I moved and lost my debit card that everything was set to auto-pay with was replaced, the numbers on the card were different and the account began falling behind. My phone number is different that what the account was listed ( from what I was told ) along with my address. My address is currently XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I never received a call or letter showing that my account was behind -- at least to an active address and phone number. Once I spoke with the representative, I was told that if I paid the amount requested, the negative account could and would in fact be removed. 

In speaking to someone from Comenity recently, I was told that is not the case. I then requested & required that they send all communication they had on file to me for my file to my current address so that I could have record of it but got the run around stating that they were unable to do so. I know for a fact that the calls are recorded so there is no reason they could not pull the transcripts pulling my call log from last year when I settled the account and was told it would be removed. I 've also requested any written correspondence before and after the account was settled both showing what I 've owed and their follow up validating my payment, etc. I 've still not received this information and am getting the run around from them every time I call. 

When I called them today, XXXX XXXX, 2017, the automated system says that I still have an outstanding balance of $ XXXX. This should NOT be the case!

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: TransUnion Failed to Respond to my dispute after 2 requests have been made. 

On XX/XX/XXXX- I made an online dispute of 2 items on my credit report -which are really hindering my credit hence my future. I received no response. 

Secondly on XX/XX/XXXX - I wrote transUnion via certified mail return receipt- regarding their failure to respond within the required 37 days as stipulated under section 15 U.S.C.

1681i ( a ) ( 1 ) ( A ) & ( 3 ) ( B ) of the FCRA. Yet again I received no response. 

TransUnion-has been unresponsive to both attempts, it has now been over 3 months from the original dispute. 
Attached please find copies of the corresponding documentation.

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 08-10-2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They have listed on my credit report but made no attempt at contacting me. Suspect this is zombie debt. Set open date incorrectly for sure

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: My wife and I recently applied to have our home loan modifying with Wells Fargo and were turned down. Wells Fargo responded to our request to reduce our mortgage payment by saying they would offer us a short sale option We receive social security and can afford a reduced payment plan if the loan were modified with payments were stretched out over a longer period of time. I am XXXX XXXX XXXX and a XXXX XXXX XXXX veteran My wife is XXXX. We truly believe that Wells Fargo is discriminating against us because of our age. We have lived in this home for 45 years and don't want to leave. This is where we want to live for the remainder of our lives.

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 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I noticed a collection account added to my  report  XX/XX/17  f  ro m  XXXX   XXXX . I immediately sent a letter via certified mail, fax and to the thei r executive em ails on   XX/XX/17  t o verify and validate this debt.   XXXX    notified Equifax that this account was being disputed  HOWEVER continued to collect on this account without sending me documents to validate and verify this debt. I immediately notified   XXXX   XXXX   of their violation and their failure to respond to my letter within 30 days. I also sent all necessary documents to Equifax requesting deletion for the c ompanies failure to comply with my request and the fdcpa. I filed a complaint wit h the BBB, CFPB an d the attorney Generals office in both Texas and Washington against   XXXX   XXXX  , and the company sent a response that they would immediately send a request to the credit bureaus to remove this negative account. I have attached that letter for your rev iew. I have called Equifax and spoke with a supervisor would could not confirm that they received my packet with over 60 pages of documents to validate my request even though it wa s sent certified mail and a return receipt was delivered to me. This is frustrating and this inaccurate data is affecting my credit report. Please remove it at once.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I have been trying to have been trying to get a short sale offer reviewed for several months now.   Time after time I have been giving misleading or incorrect information about my file and the status of the review. the continue to lie and not review my file. I have had to extend my sheriff sale until the end of  XXXX  to give them enough time to review and still they have not come to a decision. Now I followed up today and was told by  XXXX  agent ID :  XXXX  that file again has been closed out and NEVER reviewed by   XXXX  . This is wrong they have lied to me every time I called and now I might not be able to resolve this issue.     Please see below my calls with several agents AND a Supervisor Spoke to  XXXX  Agent Id :  XXXX  Still no update and currently they do n't have a sale date in their system. Still is showing up in the sheriff listing. Either way he told me to follow up by the end of the week that they did not have an update yet.    XXXX   XXXX   XXXX ,   XXXX    XXXX    XXXX   -  XXXX   XXXX  Spoke to  XXXX   XXXX  Agent ID :  XXXX  He let me know that the file was submitted to  XXXX  and the review should be completed today. to Follow up tomorrow.    XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX  -  XXXX   XXXX  Spoke  to Ocwen   XXXX   Agent ID :   XXXX  As of  XXXX   XXXX  a request for the file to be reviewed by  XXXX  team was out in. They now do n't have a sale date in their system so  XXXX  sent the  XXXX  an email to review. she said we should have an update w ithin 24-48hrs.     XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX  -   XXXX   XXXX   Followed up with  XXXX  li en Ocwen. I Sp oke to supervisor  XXXX  agent ID :  XXXX  their system was not updated with new sale date for  XXXX   XXXX  and they were not reviewing the file. I sent the proof sale date has been postponed and they are AGAIN resubmitting the file to  XXXX  team for decision. I was told to fo llow up 24-48hrs.     XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  Spoke to  XXXX   Agent I D :  XXXX  from SS department he let me know that their system has not been updated yet with new sale date. That he noated that we received a postponement until the  XXXX  and that the file would be resubmitted. He wants me to follow up Thursday  XXXX   XXXX   XXXX ,   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   Spoke to relationship manager o n the file. the file has been escalated due to the sale date scheduled next friday. they also had me make a correction to the  XXXX . I have another appointment with the relationmanager tomorrow @  XXXX  (   XXXX     XXXX ,   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX  file is complete can take 3-4 business days for decision. have an appointment t for  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (I do not know) with Medical Recovery Services, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Medical Recovery Services has made frivolous attempts to collect a false debt. I deny the debt and I will take the liable party to court. I want to know who is claiming that I owe the debt. I also want them to stop contacting me.

Company response to consumer: Untimely response
Consumer complaint received 12/22/2015 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Billing statement

Complaint: I was working to pay off a Chase credit card. When I finally got the balanced payed down to XXXX, I received another bill for additional money that I apparently owed as well. I called up the Chase customer service line, paid that additional money off and was assured that was the last bill I would have to pay them and that my account was officially at XXXX balance and closed. XXXX months later, I received another bill for more interest that I apparently build up from a zero balance that I then owed again. I do not understand how I can be told I owe nothing more to a bank, only to get another bill from them with more money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Deposits and withdrawals

Complaint: Someone I do n't know was able to get my checking account number and opened a XXXX account with it, charging over {$1000.00}. Once I noticed the charges ( within 60 days of receiving my bank statement ), I filed claims with my bank and XXXX, made a police report, and contacted the Federal Trade Commission. My bank would only give me back a portion of the money and refuses to reimburse me the remaining {$570.00}.

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 04-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was trying to verify my identity in order to rent an apartment. However, I failed the identity verification XXXX via phone. Although, I have answered the questions correctly, I somehow managed to fail my own identity. 
I wrote down the questions and the answer choices given to me, and there were a few answer choices that came out on both phone calls -- I am assuming those are the " correct '' answers that they were looking for, although they were all false.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I recently informed by my mortgage XXXX that she was not able to pull my credit score and credit report from Equifax. I contacted Equifax on XXXX XXXX and the customer representative told me that they were not able to locate my credit profile and my name, and social security number. Further, the customer rep told me to fax my id and SSN over by fax to XXXX. A transmission report indicating that my fax was successfully sent over to the abovementioned fax. When I called Equifax after their XXXX hour processing timeframe, the customer rep told me that they did not receive my fax. I ask if there is a way for me to securely sent over my information, so that this time for sure their company have received information. Yet the customer rep told me that I have to fax to the abovementioned fax number or mail. XXXX is not listed as a fax on Equifax 's information center or webpage. I suspect that this could potentially leak my confidential information out. 

For whatever reason, when I ask to talk to the customer rep 's XXXX, the customer rep transferred me to their Consumer Affair department ( CA ). The CA, then, confirmed with me that they indeed received my ID and my ss card. But for whatever reason, Equifax does not have my credit profile in their system, and the CA will start an investigation on my file. CA asks that I call this number, XXXX, to get an update. 

Fast forward, after two weeks, I tried to call their CA department and their general line, none of them seems to be answering any of my calls. 

The problem of not having my credit profile from Equifax has caused me many problems. I was denied of a mortgage because Equifax was unable to furnish my credit report and credit score. I am not able to get a mortgage from any lenders because Equifax was unable to provide the lenders with my credit information. 

On the other hand, XXXX XXXX XXXX XXXX and XXXX do not have this problem, XXXX and XXXX reports my credit information, history, and other credit accounts accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I HEREBY DECLARE MY INTENT TO SUE. 

Despite my previous mail correspondence, XXXX has failed to investigate and rectify errors contained on my credit report. Thereby they have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California Attorney General 's office. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

I have paid the XXXX {$2200.00} on XXXX for Docket # XXXX. The payments, including all principal, interest, late charges, penalties and assessments, have reduced my account balance to XXXX which closed the account. There should be no further effort to enforce or collect on this account and, therefore, I am requesting that the XXXX follow through with a Vacatur of Judgment, withdraw and/or expunge Docket # XXXX from every county court ( s ). Additionally, when I paid the excess unemployment amounts, XXXX guaranteed to have this judgment removed from all XXXX credit bureaus. They have failed to do so.

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 08/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (IL).
Issue: Account opening, closing, or management

Complaint: I am trying to close a checking account with Wells Fargo. I stopped into a branch in XXXX, WA on XXXX/XXXX/2016 to close my checking account. I was told I could not do so because there was cash in my account. I withdrew all funds and then was told I could not close the account because I had a mortgage with Wells Fargo. On XXXX/XXXX/2016 I returned to the same branch in XXXX, WA as my home had sold. I was then told that my account was closed. When I checked XXXX XXXX, I could see that my checking account had not been closed, so I went again to the local branch for the 3rd time to close my checking account. I was told that the account had been closed, but that it would take a few days for it to process through their system. 

I recently received a letter from Wells Fargo dated XXXX/XXXX/2016 indicating that my checking had not been closed and that it was being changed to an account that would charge me $ XXXX/ month if I did not maintain a {$1500.00} minimum daily balance or have qualifying direct deposits totalling {$500.00} or more each statement cycle or XXXX debit card purchases or payments linked to a Wells Fargo Campus ATM or Campus Debit Card. 

I am now on the phone again trying again to close my checking account. 

It feels to be like I am getting the run around so the bank can start charging me fees for an account I do n't use. I suspect that if I were n't constantly following up on this, I could easily be racking up fees without my knowledge on an account I thought had been closed. 

XXXX XXXX, Operations Specialist at Wells Fargo on XXXX/XXXX/2016 assured that the account was closed and that I would be receiving a letter in 5 to 7 business days to confirm closure. 

Even more disturbing though, is that the customer service rep who I spoke with when I first called in on XX/XX/XXXX gave a confirmation number on closing my account. When I asked to be connected to his supervisor she ( XXXX XXXX ) told me there was no confirmation number for my transaction. I do n't understand what is going on and why the customer service rep gave a confirmation number when his supervisor subsequently stated one does n't get generated.

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 09/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BRIDGELOCK CAPITAL (WY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX failed to make payments from escrow for taxes and insurance on a mortgage account. 
On XX/XX/2016 I received a notice from my insurance company that the annual premium for the real estate insurance had not been paid. I then logged into my account with XXXX XXXX XXXX and discovered that neither the insurance or taxes, which were both past due, had been paid out of the escrow account. I then filled out their online contact form and mailed a copy of the bill to the address indicated on the back of the monthly statement. No response to either correspondence has been received. I filed a complaint with the XXXX and the company failed to respond to either inquiry from them. I have since paid the insurance bill to keep the account in good standing. The tax bill is still due.

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