milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I became XXXX in XXXX, XXXX, unable to make mortgage payments on time, and became late due to no income and XXXX. I started Bayview 's modification application process in XXXX, XXXX ( w/Bayview Finance after XXXX sold my account to them ). For the past XXXX months, I have tried to obtain a modification/HAMP modification, to no avail. On XXXX, XXXX, I was offered a modification with no changes, extending my loan to again 30 years and additional costs were added into the original loan. After requesting the reason for the HAMP denial from XXXX XXXX my act rep, he stated it was due to missing information. I submitted an appeal to Bayview 's HAMP escalation dept providing the documentation necessary to appeal. Last week I was told that they do not have the information necessary to approve again and to resubmit. XXXX, as advised by his manager, XXXX XXXX, they would submit just as soon as updated bank statements were provided. I 've done that, and am waiting. At the same time, I am receiving foreclosure notices from their foreclosure dept/company, XXXX XXXX. 

I 'm scared and need help. Ive done everything Bayview has requested ... more than once! I am also a XXXX veteran who was recently diagnosed with XXXX and have been XXXX for this illness and am in ongoing treatment for XXXX, suffer from XXXX XXXX, and several other XXXX illness. I do n't want to and ca n't lose my house!! PLEASE HELP because I 've done everything I can do in working this issue with my mortgage company on my own and now with the forclosure notice I received, I may be at risk now of being homeless. I am now receiving XXXX benefits from social security, am XXXX, and have Veterans benefits as well. I CAN afford my house and need to " fix '' the past late payments/fees ... and doing that through modification but Bayview is playing games!

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SCA Collections, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Debt owed to the collection agency has been paid in full and the credit agency us still showing balances and open accounts

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was visiting each credit reporting agency website ( XXXX, XXXX, Experian ) to place a security freeze in the wake of the XXXX data breach earlier this year. I  was shocked to learn that Experian has a {$10.00} fee in Connecticut ( my home state ) to place a freeze, another {$10.00} fee for every time you want to temporarily remove it when youre applying for a credit card, and a {$10.00} fee to permanently remove it ( see attached screenshot ). Since everyone is automatically opted into their system once you start using credit cards and the like, it is absolutely ridiculous that they can charge you a fee for the basic control and security of your own information. 

A quick search reveals that some states prohibit these agencies from charging these fees : XXXX XXXX XXXX From that article, it shows that as of XXXX, 38 state Attorneys General ( not including Connecticuts ) called upon the agencies to remove the fees, which clearly has not been successful. 

I urge the CFPB to do what it can to stop the credit reporting agencies from charging these fees. Consumers should not have their data collected by a company, only for that company to then charge them for security services on that data. They take my data without my asking and then charge me for its security. 

Thank you very much. I know that this simple policy will help Connecticut residents and those in other states who see these fees - people of any income level - better protect their personal data without being forced to pay a fee over and over.

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 04/21/2015 about Debt collection (Medical) with Affiliated Collection Services, LLC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Accurate Debt Collectors stated my social security number to me and asked for my medical insurance membership number.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Professional Debt Mediation, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX in XXXX XXXX XXXX, Florida. Reporting over {$5000.00} on my credit report fraudulently. I do not owe them any money whatsoever, as I never signed a contract or lease. Several attempts to contact the company with proof of lease have been unsuccessful, and their website now appears as " suspended. '' This needs to be removed from my credit report. This took place in XXXX of 2014.

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 (I do not know) with Voss & Klein, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: When I received the invoice from the XXXX I aske for a copy of the contract. They never forwarded it to me. I then started getting calls from a collection agancy calle Voss & Klein. The calls were relentless. I asked The collection agency XXXX to provide a copy of a signed contract and signature of with dates of approval of service by myself. The lady said if I don't pay she will continue to call me until I pay or wreck my credit. They have filed a collection on my credit report. She also state she did not have to provide me anything as I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Citi Card received a payment of XXXX on XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received numerous robo-calls about my payment- they did n't know how to process it. 
On XX/XX/XXXX I received an email with basically the same statement - they did n't know how to process the XXXX. 
On the dates of XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX, XXXX and XXXX explaining the above. They gave me an address to mail the supporting documentation ( bank statement, and email stated above ) I mailed it on XX/XX/XXXX AND on XX/XX/XXXX - per XXXX I sent another payment of XXXX. 
On XX/XX/XXXX called again and spoke with 'XXXX ' (? ) and 'XXXX ' - basically they knew nothing and said I had to sent another cc of the bank statement, which I will do - but YOU need to know this smells deceitful to me. 
TWO payments and they have NO record? They do n't advise me about their investigation - I have to call them?! 
BTW, the number I 've called to reach the above people is : XXXX - they have not provided any answers, any help, they do n't know the CFPB ; they ca n't make any assurances about reporting THEIR mistakes on my credit reports and quite honestly this is MOST disturbing and frightening. 
PLEASE help 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 explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After reading the recent lawsuit against Navient, I feel empowered to share my experience with having my loan serviced by the company and the problem I had when they were XXXX. Basically I had trouble where I had lost my home XXXX. I had lack of correspondence with the loan company and they put me into default fairly quick. I was receiving calls by their collection servicing company at my place of work threatening to garnish my wages if I did not pay all of the loan balance upfront. They offered shady payment plans that did not make sense. After speaking with XXXX and letting them know they had been trying to contact me on all of the wrong avenues they pulled my loans out of default, but the company they they used ( can not remember the name ) kept calling me and harassing me for the balance they they no longer needed to collect. 

After my loan was back with XXXX they has casually offered me the option of forbearance as a way to not pay the loan for 6 months and offered for me to defer my payments rather then set up for a income-based payment plan that I am on now.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Bank account or service (Other bank product/service) with KEYCORP (NJ).
Issue: Making/receiving payments, sending money

Complaint: I opened a home equity line of credit with XXXX back in 2005. In this contract I agreed that if I made additional payments to my loan, the extra payment would be applied to the principle to help pay down my loan faster. Twelve years later, I was online and I made two successive payments on this loan. The first payment was divided up with some paid toward interest and the additional amount paid towards principle. I logged back in about 30 seconds later and repeated the same payment amount and the system just took the entire amount but did not say how it was being applied. I called up XXXX to further the conversation and I found out they have NEVER applied my extra payments as my contract stipulated. I have escalated this issue within XXXX and their executive office committee to resolve and they are trying to tell me that their system could not do this until last year and she could not go back more than 12 months to fix this issue. 

I need CFPB to step in an ensure I am no longer being taken advantage of for their inability to uphold their end of the contract due to system limitations or personnel laziness ( she said she cant go back more than 12 months -- all of my statements/payments are available for her ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am not disputing the XXXX XXXX # XXXX account please remove the verbiage listed " 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 non-monetary relief
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: XX/XX/2016 My wife and I applied for a mortgage with WellsFargo. 
XX/XX/2016 Completed an RPA on XXXX XXXX, Ca XXXX, that included a security deposit of {$14000.00}, based on the assurance that Wells Fargo agreed to the timeline and that financing could be completed in order to not jeopardize the deposit and fulfill their responsibilities as dictated by the Truth in Lending Act. 
XX/XX/XXXX WF loan officer Loan officer emailed then called and spoke with my agent to tell her that the loan was approved. ( I have electronic copies of this email ). This approval was made with full knowledge of the agreed timeline and consequences if it was not fulfilled. Any concerns or changes to the timing would then be the responsibility of Wells Fargo to communicate to us as dictated by sections 1026.19 ( e ) and Section 1026.19 ( f ) of the Truth in Lending Act. 
XX/XX/2016 My agent sent email to loan officer to confirm that in fact the loan had been approved and contingencies could be lifted. An email confirming this was received by agent who then removed contingencies. ( I have electronic copies of this email ). This was an inaccurate statement which placed the deposit in jeopardy as the agreed timeline was not met by WellsFargo, making them directly responsible for defect in the closing agreement as dictated in Section 1026.19 ( f ) of TILA. 
XX/XX/XXXX My agent and I separately tried to contact the loan officer to make sure that we were all set to close on XX/XX/XXXX. He was on holiday in XXXX and not answering his phone '', " returning calls or responding to emails. After calling the loan officer 's branch manager and leaving a message, she physically went to the branch office in XXXX. She met with the branch manager who had not been informed of the details of our file. She shared the emails with him and he told her that the loan officer should never have said that and that he needed to coach him to not say that in the future. This was a direct violation of the Truth in Lending Act as they failed to provide accurate and timely information as dictated in Section 1026.19 ( f ). 
XX/XX/XXXX closing date was missed due to incomplete financing. Seller denied extension and communicated intent to keep the deposit. 
Loan manager admitted fault in loss and provided contact information to apply for refund of deposit of {$14000.00}. This was an accurate statement as they failed to provide accurate and timely information, violating the Truth in Lending Act.

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 01/16/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Application, originator, mortgage broker

Complaint: I placed an offer on a home for sale titled to XXXX Bank. Included with my offer was a {$2000.00} escrow check and a pre-qualification letter from my mortgage broker. My offer was countered, we countered back and during that time multiple offers were received. We were informed best offers were to be submitted to the listing agent by XXXX on XXXX/XXXX/2016. At approx. XXXX on XXXX/XXXX/2016 we were informed that, " All prospective buyers to obtain a XXXX XXXX Loans Pre Qualifiction letter prior to accepting an offer. Please contact XXXX Loan Consultant XXXX XXXX, XXXX # XXXX XXXXXXXXXXXX Phone XXXX Purchaser can obtain any financing to purchase home. '' Wait ... red flag!! I already have submitted a pre-qualification letter. Why am I required to get have XXXX pull my credit? I do n't want to do business with them and I feel uncomfortable giving my social security number to this random person when I am not interested in obtaining credit with them. Is this the listing agent trying to give her loan company business? So, immediately I call XXXX XXXX twice. I left XXXX message. I contacted my mortgage broker who was able to provide me with a pre-qualification letter {$50000.00} higher than my offer to justify that I was able to afford my offer. My real estate agent was informed at approx. XXXX that an offer had been accepted by XXXX Bank and Trust. Wait .... Red flag?? To have an offer accepted I needed to talk with XXXX XXXX, but he had n't called me back. How could this be? At XXXX XXXX XXXX called me back to get my social security number and run my credit ( I did not inform him that I already knew an offer was accepted ). I explained my hesitancy on releasing my personal information and he understood but informed that he could n't submit the required pre-qualification letter without my social security number. Here an offer was accepted and XXXX XXXX is still trying to obtain my confidential information. In addition, XXXX Bank is requiring this when they already have selected an offer. If I already have a pre-qualification letter how is this legal to require me to obtain another XXXX and if it was a requirement, why was n't that explained in the listing information? It seems that XXXX Bank wanted to accept an offer but wanted to verify that the person could afford it so why ask the rest of everyone to compete? Was this deceptive or discrimination?

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Transaction issue

Complaint: XX/XX/XXXX, I received my XX/XX/XXXX Macy 's statement and the only charge on the card was a purchase I did not make. I did n't even recognize the location ( I live in XXXX and the purchase was made in XXXX, XXXX XXXX. I spent over 35 minutes on the phone on XXXX/XXXX/XXXX trying to report the fraud and close my account. In spite of that effort, I received a new card in the mail the following week. Then my XX/XX/XXXX statement arrived in the mail, and the fraudulent purchase had been transferred to the new account along with a late fee and interest charge. I called again on XXXX/XXXX/XXXX and this time it took me over an hour to speak with XXXX different people in an effort to resolve this issue. I was told I would receive paperwork in the mail within 10 business days that needed to be signed and returned, but as of today, XXXX/XXXX/XXXX, I have not received anything. I also asked about the late fee and interest charge, and I was told that would take 2-3 billing cycles to resolve. I mentioned my concern that this would negatively impact my credit, but I was told there was nothing that could be done. On XXXX/XXXX/XXXX I paid the fraudulent charge, interest and late fee in full.

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: boy at the rate these repugnant useless companies reply back its laughable NO investigation no work done, they just email the debt collector get a reply back that is always a yes and then close these VALID complaints out within 3 days with a generic copy and paste response from a generic employee that probably worked at a XXXX XXXX last week. 
Yet again another cryptic message from these morons. there is an unauthorized 3rd party means nothing to me so since I have to guess what the XXXX you mean I have every right to include evidence from XXXX XXXX showing the sheer incompetence and stupidity of the company you work for if you werent so cryptic I wouldnt have to grasp at straws and if you werent so in favor of continuing to believe XXXX just because they bought my social Unsecurity number from god knows who, just continues to show how since XX/XX/XXXX you have done zero to fix this matter and remove this FRAUDULENT charge from my report and just continue to take the word of some low rent debt collector. You have my authority to inform whomever the XXXX 3rd party you want. And zero authority to refuse evidence I present in my favor. however you DONT have the authority to forward anything to XXXX it is NOT their job or decision to decide whether this is fraud or not its actually YOUR job. Transunion and XXXX. 
after my social security number was hacked in XX/XX/XXXX I received a debt collection from XXXX in the amount of XXXX.dollars on my credit report but that is DATED from XX/XX/XXXX it is utterly moronic first ; for a debt collector to wait 4 XXXX years to start collecting on something. 2ndly that the only process this repugnant credit reporting agency does as an investigation is contact this debt collector which they ALWAYS say yes and then im stuck with a debt on my credit report forever. this illegal and frivolous way of investigating clearly shows the bias and discrimination transunion/ XXXX   has towards the customer and how well they lay in bed with the debt collector. Furthermore it makes ZERO!!! XXXX sense that after my bankruptcy filing and clearance in XX/XX/XXXX I have gone 9 XXXX years without ANYTHING!!! on my credit report UNTIL AFTER!!! this hack occurred and my social UNsecurity number is out for anyone to get and use. transunion/XXXX DOES NOT take a customers word as evidence or the paperwork provided but they sure as XXXX take a debt collectors based solely on the fact that they give my social security as evidence and they NEVER use common sense or logic when reviewing a credit report. since my bankruptcy I have had perfect credit until my information was hacked.

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 04-04-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I got a loan from XXXX XXXX in XXXX Indiana about 6 years ago, and went to class about a Week. This put me in the hole about {$10000.00}, this seems very ridiculous. I have been struggling to stay out of default on it, I feel like i was pressured into this loan, and did not understand the terms. How can I get some help? I keep seeing on TV that someone has opened up a lawsuit against them, how do I help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2017 about Debt collection (I do not know) with VNU Group, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received call form a unknown co. called  XXXX  on   XXXX   XXXX   XXXX     trying to collect a debt they say I owe. Tried to tell them I do not know how they are, so they sent me an  XXXX   XXXX , wanting all kinds of personal info on me, Police said not to fill out and report them.   XXXX   XXXX   rec letter saying I had not sent back in Fraud packet and so my debt was now past 60 days overdue and now I owe them {$600.00}. For what is not known. Have never recd. a bill just a collection letter .... Also this company seems to us e Pacific Credit Grp LLC to service hem. This Co.  had a Co Called  XXXX   XXXX .  XXXX  to do a soft cree credit check on me on   XXXX   XXXX   from Florida. On same day form   XXXX   XXXX   CA,  Pacific Gredit Group also did a credit check as a credit review on me from the    XXXX  address at  XXXX .  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX  in   XXXX   XXXX  .CA.  XXXX  The number online there is listed as  XXXX  as listed later on the letter of saying I need to make payment arrangements. However they send correpondence form a  XXXX   XXXX   XXXX  in  XXXX   XXXX , CA  XXXX  saying they are   XXXX   using a number registered to  Pacific Credit Grp LLC,  as  XXXX  They also sent a so called payment portal address to send any money to as  XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation