milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Loan modification,collection,foreclosure

Complaint: We financed a house with Bank of America in XXXX and the market that crashed in XXXX took down a lot of businesses. XXXX XXXX did n't have a lot of work and was dealing with a back injury. We held on until XXXX and tried to make payments the best we could. In XXXX of XXXX we applied for a loan modification with a company called XXXX XXXX Modifications. They promised that our payments will be lowered and we will be able to refinance and live in our home. It all turned out to be a scam though. They acted like they were trying to help us but on XXXX XXXX they canceled the loan modification without giving us notice. Then they disappeared into thin air and took all our money in the sum of {$4800.00}. And did n't help us any. After the appointed court date passed the " lawyer '' that we hired gave us the paper that we needed to go to court, but as the date passed already we could n't do anything. On XXXX XXXX XXXX a XXXX XXXX XXXX brought us a pink paper that stated we were getting evicted on XXXX XXXX XXXX because the house had been sold without our knowledge. By this time XXXX XXXX of New Leaf Modifications and XXXX XXXX the lawyer that we hired through XXXX disappeared. All the papers that we got that printed out from XXXX XXXX Modifications printed out on XXXX/XXXX/XXXX we got only in XXXX of XXXX in the mail. Now 7 years later XXXX XXXX has a debt of $ XXXX without living in the house since XXXX XXXX. If there is anything we can do please help because XXXX ca n't work since the banks keep taking his money every check we put in the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Auto debt) with Nationwide Debt Management Solutions, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sold a car ( XXXX XXXX XXXX ) back in 2015 for parts and got signed release of reliability form signed and turned into the DMV. The car was supposedly towed last year and the towing yard handed the debt that was owed onto an agency ( Nationwide Debt Management Solutions , LLC ) and said agency has been repeatedly calling and harassing my family. I do not answer phone numbers I do not recognize, so I do n't have a first account on the actions these people have done but they have been calling my family repeatedly after telling them to stop. They have threatened to call police, take me to court, and also threatened my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Vehicle loan or lease (Loan) with FIFTH THIRD FINANCIAL CORPORATION (MO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My wife and I obtained a vehicle loan through Fifth Third Bank in 2016 for the purchase of a XXXX XXXX XXXX. In XXXX 2016, I set up auto-pay with Fifth Third so that our monthly payments would automatically be paid. This was set up directly with Fifth Third, not through our own bank.

Since that time, I have had to set up Auto Pay three more times, but they keep missing payments, or applying payments late through their own system. To rectify the situation each time, I have to call Customer Service, who has told me every time that I am enrolled in Auto-Pay and they do n't know what the problem is ; then I have to call Auto-Pay, who also says they do n't know what the problem is.

At this point, I have spent at least three hours on hold with Fifth Third trying to get late fees and penalties removed from our account ( I am actually on hold with them right now ). 
They have stated several times that I am a month behind, so I have made manual payments over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2016 about Debt collection (Non-federal student loan) with National Enterprise Systems, Inc. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Collection companies buy and sell a student loan debt that is not valid debt of mine. I have written each company that has serviced said debt to explain that this is NOT a valid debt and the collection company either sells the debt to another company or has another collection company service the invalid debt. The latest debt collector is XXXX XXXX XXXX, XXXX of XXXX, TN XXXX XXXX XXXX XXXX. This aforementioned company continues collection efforts after written and verbal notification of invalid debt and solicitation at a work phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Please Help! Nobody, explains the process and several " Homeowner Support Specialists '' have handled my file changing hands constantly, information gets lost and the process has been held up due to delays with the servicer for several months, waiting on modification for months ... this is a nightmare.

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 04-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have contacted Experian on several occasions by phone for assistance at XXXX XXXX XXXX XXXX and through their website to dispute bankruptcy that appears on my credit report. Experian refuses to properly conduct investigation and claim they have already investigated item on several times. Experian representatives continuously lie stating they have sent someone over to representative over to federal court to verify information. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last XXXX digits of the individual 's social security number or tax identification number. 

Under the Federal Rules of Bankruptcy Procedure a debtors full social security number is filed with the original petition, and filed under seal. Meaning the only information released to third parties who are not involved directly with your case is ( that includes credit reporting agencies such as Experian ) : ( 1 ) Your Full Name ; ( 2 ) The Last XXXX Digits of Your Social Security Number and ( 3 ) Your Address. Furthermore I was advised in order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. 

I have asked Experian representative to provide me with copy of court subpoena they received granting them full access to case. I have personal looking in The PACER Service and information listed on docket show address I never lived and last XXXX digits of a social security number. 

XXXX and XXXX have both removed this inaccurate information from my credit file and I would appreciate if Experian is forced to do the same. I am very sick and tired of playing cat and mouse with Experian. Their customer service representatives are very rude and company has culture to tending to wait out 30 days and not investigating disputes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: 1 ) I have called and requested information from this company 3 times. They tell me they will send the information out to the address I have given them. I have never receive any information. This has been going on since  XXXX  of    2016.    2 ) I have never opened an account with  XXXX . These charges are fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (MN).
Issue: Struggling to pay mortgage

Complaint: My file is being dual tracked. I was in an active review with the lender and they set a foreclosure sale while I am in review. 

On XX/XX/XXXX my HUD approved Housing Counselor confirmed that I was approved for a forbearance agreement through the end of XX/XX/XXXX.  On XX/XX/XXXX my HUD approved Counselor faxed over a request for continuing the forbearance including the following : 1. FHA form 710 2.  4506-T 3. Hardship letter 4. Information about latest status of medical hardship & upcoming XXXX 5. My food support Award Letter 6. Transaction history for my food support and general assistance showing proof money is received on EBT card.
7. Lease agreement 8. Rental receipts signed by me and my renter 9. Explanation that rent is paid in cash 10. XXXX signed Federal Tax returns 11. Letter of explanation regarding me having no bank account and therefore no bank statements. 
12. Authorization for my HUD approved counselor to speak with my lender On XX/XX/XXXX my HUD counselor called Pacific Union and spoke with XXXX who said that she sees that they have received everything they need to review my request for continuing the forbearance agreement and that we should callback every 2 weeks to see where things are at. 

On XXXX/XXXX/XXXX my HUD counselor called Pacific Union and  spoke with XXXX who said there were no updates, nothing needed. He then said that the file was still being reviewed for completeness. My counselor asked why we were told it was considered complete and it was with underwriter. XXXX said he did n't know and suggested we call back the next week. 

On XXXX/XXXX/XXXX my HUD counselor called Pacific Union to see where things were at. She spoke with XXXX again, who then had a list of documents including documents that we had already sent. My counselor called me and made me aware of documents and due to my recent XXXX, it took me until XX/XX/XXXX to gather and return the documents. 

On XX/XX/XXXX I was served a foreclosure notice. My request for assistance was not denied and my request was in on XX/XX/XXXX and confirmed on XX/XX/XXXX, so we are confused as to why there was a sheriff 's sale set and how this is not considered dual tracking?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 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: Credit inquiries on your report that you don't recognize

Complaint: This complaint refers to a unauthorized hard inquiry upon my credit report by   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  ( "  XXXX  '' ). On or around  XXXX   XXXX ,  2017    XXXX    initiated an unauthorized inquiry upon my Equifax credit report. I did not authorize  XXXX  to take such action so I am demanding that this inquiry immediately be revoked and recanted as well as for  XXXX  to permanently destroy all the personal information is received during the unauthorized inquiry upon my credit report. Additionally, I am requesting that  XXXX  provide me with all documentation that caused them to inquire upon my credit report. Finally, should this pertain to a debt, I hereby dispute the debt and have no knowledge of any debt with  XXXX  and request that  XXXX  cease and desist all collection attempts and contact with me for collection purposes. Finally, please provide verification of any alleged debt and do not access any other consumer reports or credit reports of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 maybe federal credit union withdrawal or reverse {$200.00} out of my account which day were not entitled to do the claim that they have reversed it to {$200.00} from my account because they have gave given me credit for dispute I have made which day did not and never automatic give me credit I have several dispute pending which the did not give credit for while speaking with the representative they indicated that it was their error and they should not have taken the money out of our account maybe federal constantly reverses they constantly steal and over charge please investigate all products and services from maybe Federal credit Union to ensure this business banking institution is running according to United States federal regulations in any misconduct mismanagement they should be charge according to United States federal law

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In regards to the property located at XXXX XXXX XXXX XXXX Ca. XXXX Wells Fargo Bank : The property is being rehab after a fire destroyed it XXXX %. I am trying to complete the final stages of XXXX out of my own pocket. I have fully reinstated the loan twice, the last time in XXXX XXXX for approximately {$16000.00} all this in effort to sell the home. Wells Fargo has done nothing to assist in this process, in fact in XXXX XXXX, Wells Fargo Agent 's came to the subject property and kicked in the doors thereby destroying the door frames and breaking newly installed windows under the guise of inspecting the property. I filed a claim in XXXX XXXX for the damage Wells Fargo caused, however, I repaired the property once again out of my own pocket, and forward the insurance of {$4700.00} to Wells Fargo with specific instructions to apply the funds to the mortgage payments. Wells Fargo refused and instead filed a Notice of Default with XXXX XXXX XXXX T.S. # XXXX as the Trustee. However, when I reinstated the loan in XXXX XXXX, XXXX XXXX XXXX XXXX was my Trust Deed, I have never received any Notice of a Substitution of Trustee, moreover, Wells Fargo has not disclosed where the aforementioned {$47000.00} is being held, nor will Wells Fargo provide a statement about the amount filed on the Notice of Default. The property was up for sale however, because of circumstances which Wells Fargo contributed to, it had to be pulled. Wells Fargo has not provided a single point of contact, every time I telephone I get a new person, I am told that someone in the executive office is working on the loan, however, I have never spoke with them, additionally, they are not equipped or work in the capacity of a point of contact as prescribed by the Attorney General of California.

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 10/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Deposits and withdrawals

Complaint: My issue is that there are no regulations for how electronic checks should be processed. We used to have a checking account with XXXX and when we would make electronic payments through our bank checking account money would be debited on the date that the payment was being made XXXX if it was electronic XXXX or XXXX days prior ( if a physical check was being mailed ). All that sounds reasonable. When XXXX was purchased by Wells Fargo they changed the terms so that electronic payments were debited several days earlier ( 3 days ) and physical checks were debited XXXX days before they were to have been received. We complained to Wells Fargo as it was outrageous : They were taking money out of my account early and then earning interest on it for a few days before they sent it off. I might be willing to give them a little bit of slack if it was only for physical checks, but it makes no sense for electronic payments to be debited days before Wells Fargo was actually paying the bill. We switched our checking account to XXXX. They do n't do this. At least not right now. This behavior should be regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I contacted Enhanced Recovery Company LLC after i was attempting to enter into a new relationship with a mortgage company and discovered that this collection agency had an open past due account with the credit bureaus in relation to my ssn. I contacted the company via certified mail XXXX 2015. I received no response within the required XXXX days, so I informed the company via certified mail that they were in violation on the federal law FDCPA 807 ( 8 ). I began to call the agency multiple times as a desparate attempt to resolve this negative mark that is preventing me from my mortgage approval. I received the attached letter in XXXX 2015 and that is the last communication between myself and the creditor. I informed them with several letters and multiple phone correspondances that I need this account to be validated or removed NO RESPONSE!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is my first time attempting to correct my credit history. I had many judgements against me and my property. They have since been clearded theough the XXXX, XXXX Md. Please help resolve this issue. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Other debt) with American First Finance, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello my name is XXXX XXXX. Account with American first Finance # XXXX. Two weeks ago I called XXXX XXXX XXXX to tell them I would not be able to do my payment of XXXX on the XX/XX/XXXX, so I moved my payment for XX/XX/XXXX. I told the agent I spoke to that I would do my payment by myself and told her I would be able to MAYBE do a double payment I was not sure. She asked me If I wanted this payment to be automatically drawn from my account I said NO specifically, that I would do it myself and I made that very clear to her. When I was going to make my payment of XXXX on XX/XX/XXXX, because I could not do the double payment. I saw that my account said that there had been a payment of XXXX paid that day. Was very confused. So I did not do my payment. Monday morning XX/XX/XXXX I wake up to my bank account being on negative and saw that they had taken out the XXXX automatically out of my account without consent considering I had made it very clear that I did not want this withdrawn from my account and wanted to do it myself. So I did not authorize this transaction which is my biggest problem. A transaction has to be authorized before any money is touched again I said NO to this. I called and spoke to an agent first, she told me that on the notes it said that I had given consent to the last agent to take my money out of my account, I told her this was incorrect and that I wanted to speak to a supervisor and have her listen to this call. Did not get supervisors name but I spoke to her on XX/XX/XXXX to the phone number of XXXX at around XXXX. She was very short and rude and not helpful at all. All she said to me was that I was late on my payment and that on the contract it said they could take money out of my account if I was a day late. Which I do n't believe to be true as I been a day late before and this had never happened to me before. I explained the situation to her. Told her I needed a refund and she was just rude and told me she could not do that and said false information. That she would send me a copy of the contract to my email and highlight the part where it says they could take money out of your account without a consent. It is now XXXX on XX/XX/XXXX and still have not received anything form them. My biggest issue here is that you can not just take money out of peoples account without their consent. Big violation. & then when you speak to a " supervisor '' they tell you false information. I would like this call to get listened to by a real supervisor or CEO. & get my money back. Also I need that copy of that contract highlighted with the information this girl told me 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 09-12-2016 about Prepaid card (General purpose card) with Synovus Bank (KY).
Issue: Unauthorized transactions/trans. issues

Complaint: I had XXXX pre paid cards with XXXX, A MasterCard and a Visa for {$300.00} each. After I used to total amount on both cards, unauthorized charges were made to XXXX cards. They will not cooperate with me to get this off of my credit reports! Please help me. I am XXXX years old and XXXX.!!! 
Acct. # XXXX .... and XXXX ....

Company response to consumer: Closed with explanation