milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Mortgage (VA mortgage) with STONEGATE MORTGAGE CORPORATION (AE).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX XXXX XXXX and I purchased my home in XX/XX/XXXX, the worst year to buy since prices of homes were high and now the value and cost of homes has plummeted. 
Since I purchased the home, the XXXX has had me away from it on XXXX and XXXX for six of the eight years I 've owned it. 
I 'm currently XXXX to XXXX and not receiving a housing allowance since my XXXX started from XX/XX/XXXX. 
I worked with a realtor ( XXXX XXXX ) towards a short sale but due to the VA 's inflated appraisal, the house has not had any offers on it in over 8 months now. 
The bank is trying to foreclose but I 'd prefer a new VA Appraisal and it be short sold instead. Is there any possible way the CFPB can help? This is my second attempt to have the CFPB assist. Thank you kindly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: IN XXXX of XXXX I filled for Chapter XXXX Bankruptcy. In doing do I reafirmed 1 personal loan with XXXX XXXX XXXX, 1 car loan with Wells Fargo Financial and 1 mortgage loan with Wells Fargo. Everything was finalized in XXXX of XXXX by a district court Judge. Over the paste summer as I was checking on my Credit Score I noticed that while Wells Fargo had been reporting my auto loan since XXXX of XXXX they were not reporting my mortgage. They in fact did n't start to report my Mortgage until XXXX of XXXX. After speaking with my own bank It was discovered that Wells Fargo has incorrectly reported my on time monthly payments. I have now contacted them twice with no resolve other than they admit that they made the mistake but they refuse to report it to the credit unions. In fact my account just now showed back up on my Credit report 5 months after they started reporting it again. All I am wanting is them to fix my wife and I 's credit reports to show that we have been making making payments on time regularly scine the ReAffirmation.

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 10-11-2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Greetings! 



Bank of America is stealing money from my saving account. I had transferred {$2000.00} from my checking account to my saving on XX/XX/XXXX. I had $ XXXX+ $ XXXX= XXXX.
I checked my account few days after the transferring of the {$2000.00} from my checking account to my saving.
I found out I had only {$18000.00} in my saving instead of the 20.000.00. I was extremely surprised & shocked.
I tried again several times. I also tried to print the statement after I checked my account. But it wo n't show my saving account.
I decided to call Bank of America. The person whom I talked to told me that I have {$18000.00}.
I was more upset. Because that means, they really are stealing money from my account. After I confronted them they added few hundred .
Then, I decided to go to XXXX XXXX XXXX on XXXX XXXX, my self to talk to some one.
I 've spoke with XXXX XXXX. XXXX printed statement dated form XX/XX/XXXX XX/XX/XXXX. That 's shows only my deposit of {$2000.00} only. Nothing shows about my saving account.
I told him I 've lost {$1000.00} from my saving account. XX/XX/XXXX told me to bring him my statement to show the saving account that was {$20000.00}.
I know now why XXXX XXXX XXXX  wanted us to have paperless account.
I want to get all my statement in paper. NOT paperless, since XXXX XXXX XXXX is not letting us have any print of our saving account.
This is not the first time XXXX XXXX XXXX steal money from me. My sister too her account was missing {$2000.00} too. But she just decided to close her account with XXXX XXXX XXXX since she does n't live in the States, Sincerely yours, XXXX 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 11-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: In XX/XX/XXXX I was asked by my ex girlfriend at to time to cosign on her private loan for school through XXXX. At this time I also had a loan through XXXX for school that required a cosigner. Knowing this I told my ex-girlfriend that I would not be able to cosign for her and that she would have to try someone else. I assumed she had found someone else to cosign since she never brought it up to me again. around XX/XX/XXXX I started receiving letters in the mail from XXXX asking for my ex-girlfriends whereabouts. At the same time sallie mae was also sending tons of mail to my residence for her ( her previous residence at the time ). Then I began receiving letters from XXXX saying that as a cosigner to her loan it was my responsibility to make payments. Originally i thought it was some type of mistake and tried contacting my ex-girlfriend. At first she denied it and then started ignoring my calls. XXXX continued calling and sending letters to me so I asked to speak to someone about more information on the allegetly cosigned loan. I requested a copy of the loan agreement so that I could compare the signature but instead I was sent a typed up document with no signature. I asked again several times for a agreement with a signature but continued to get the same typed document. I then filed a claim with sallie mass loan department, completed all the necessary paperwork and waited on the result. I was told that my claim had been denied as fraud because the loan was signed by e-file and there was no actual signature. At the point i questioned the e-filing. I was told that the e-file was followed up with a phone interview. I told the lady from the fraud dept that I never received a phone interview. I then asked what kind of questions were asked in this interview. i was told it was questions similar to : my address, my place of employment, social security number etc. she then asked me to confirm the answers to those questions and then told me that my claim was not fraud because all the information given about my identity was true. ( i.e. my address, place of employment etc ). Outraged by her conclusion I asked " is n't that what identity fraud is? ". Then she asked me about the conversation I had with my ex girlfriend when she asked about the loan. Then she told me that i did n't say " no i 'm not signing it '' so i did n't say no. I do n't understand how saying I 'm not able to sign your loan is any different and it does n't matter what I said, i never gave her permission to cosign me for anything. Having no luck with the fraud dept I gave up on fighting the issue. Some time after that my exgirlfriend called me to apologize for the incident. I asked her to call sallie mea and correct the problem but she never did. I assume since then she has been paying her bill but has stopped so now they are calling me again.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Medical debt) with Financial Business and Consumer Solutions. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company FBCS sent me a letter trying to collect a debt that I disputed with another agency in XXXX 2017.  The previous agency has removed the debt from my credit report because they could not validate it. Now FBCS, is trying to collect on that same debt that was obviously sold after validation could not be proven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Credit reporting () with EARLY WARNING SERVICES, LLC (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Early Warning is reporting fraudulent information on my credit profile and refuses to block the information pursuant to the Fair Credit Reporting Act. I submitted my identity theft report along with a police report to Early Warning on XXXX XXXX, 2015. On XXXX XXXX, 2015, I was told that Early Warning will not comply with the Fair Credit Reporting Act, Section 605B and will continuously report fraudulent information and cause harm to me in doing so. I was told via the telephone from a representative of Early Warning that XXXX XXXX XXXX " confirmed '' the information and will not allow them to block it despite it being fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX wireless has posted a 90+ days late status 14 times on my Experian CR. The account was legally paid in full and should not have posted any negative data on my CR due to my SCRA right to terminate any lease due to overseas deployments. I explained this to them many times but the negative data is still on my report. 
Additionally, the " XXXX XXXX XXXX '' collection agency should also expunge negative data from my Experian CR for the same SCRA right to terminate any lease due to XXXX deployments. Thanks for your help.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As of XX/XX/17, my personal information and credit information is listed as potentially impacted by the EquiFax security breach on : https XXXX XXXX. I am currently in the process of reviewing my banking and credit information and placing fraud alerts with all 3 credit bureaus to be proactive regarding the protection of my personal information. 

My complaint is that the effort I normally take to protect my finances and ensure accurate information was not matched by EquiFax, a company trusted to securely and truthfully report my credit information. It is unacceptable that this breach took weeks to announce without any attempt to first contact the affected consumers and announce what resolution they were seeking to rectify the situation. It is equally unacceptable that at this point, because the data announced as stolen is so vague and widespread, I am forced to assume that my entire credit history and personal identity is at risk. 

As of the time of this complaint, I have not encountered any fraudulent activity, but this situation is one that will require close monitoring for years to come. If even one piece of my PII is used to engage in fraudulent activity, it will be directly due to EquiFax 's actions and inactions regarding this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: transunion customer service would not help and take care of the negative inquiries reporting to my credit report.       XXXX   XXXX   XXXX   XXXX ,  XXXX  N  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX  Bank  XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX    XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX    XXXX   XXXX ,  XXXX  Finance   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX   XXXX   XXXX   XXXX ,  XXXX  Finance   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  ,  XXXX  Bank

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 04/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have made two payments to my student loans and none of them have been posted on my account. One payment was made on XX/XX/2017 and the other one was made on XX/XX/2017. This is not the first time I have issues with the lender not posting accurate information on my account having to call them so that they give me a reasonable explanation and a promise that they would take care of the problem. They have excluded a payment from my account once and made me go to my bank to ask for a letter as a prove of the bank transaction with them because they could not track my payment in the system. Therefore, this seems to be an ongoing problem with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Consumer Loan (Vehicle loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (AL).
Issue: Taking out the loan or lease

Complaint: I applied for a loan secured with my car on XXXX. I borrowed {$5000.00}. I asked if there was a penalty for early payoff & I was told no. I asked the man before signing ... if I cashed the loan check then immediately paid it back would I only owe the {$5000.00} & he said yes. 

Then my first statement cam in the mail & said I owed over {$10000.00}. I was terrified & called One Main Financial. They assured me I did n't owe that. I only owed the $ XXXX I had borrowed. The lady said she never understood why their statements always put all the interest in like that as the balance. She assured me I only owed the {$5000.00} I borrowed. 

One Main 's online information is shady & vague. My account never shows what part of my payment applies to principal vs what applies to interest. My mailed statements are also shady & vague offering no information. It is like they took all the interest that would accrue over the life of the loan ( 5 years ) & they lumped it together in some false balance due. They act like I owe all the interest that would accrue over 5 years but I owe all that interest starting day XXXX. 

I can not follow what is going on. I have asked the One Main corporate office for an amortization schedule to be told only the local branch can provide that. The local branch says they can not provide this info. I have made timely payments for 1 year & I was told on XXXX that my principal balance was {$5100.00}. When I asked the man on the phone ( XXXX XXXX ), how was it possible for a loan principal to ever be more than the amount that was borrowed especially after a year of making payments. XXXX said he was not sure but he thought One Main front loaded all their interest so I was n't actually ever making payments to my principal over the last year. I was dumbfounded. 

Mt principal balance was amended today by One Mail to approx {$4900.00}. Somehow in XXXX payments I have only paid {$19.00} of principal? My loan is only for 5 years & in one year I have paid nothing to principal?? 

An online generated amortization schedule show my principal should be somewhere between $ XXXX {$4600.00}. I feel like my money is being misapplied & One Main Financial thinks their average customer is too XXXX to figure this out on their own so they improperly apply payments & they hide how they apply payments by refusing to provide amortization schedules & by not making standard lender loan information available to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I have at least 5 Discover Cards that I did not know I had,,, For the past 6 years discover has been taking money from MY XXXX and XXXX cards and transferring money to these accounts and form my tow Discover cards>>  They have tried to take money out of my bank  also!!!!   Also  they open a XXXX XXXX  charge card in MY name!!!! And  maxed out the card as they did other cards that the open in MY name>>> wHY is this not illegal!!!!
This all started when I tried of collect on the Payment Protection plan that ALL card holder were required to pay for<<< NY FEDERAL COURT SEPT 2012!!! I am a XXXX Veteran!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly protect my information. Through cyberhacking, my account was compromised, according to Equifax 's Web service ( https : //www.equifaxsecurity2017.com/potential-impact/ ), as I discovered on XXXX2017. Equifax seems to be offering " one year free '' identity theft protection. Because of the nature of this breach and the information obtained by the hackers, this is a patently inadequate length of protection considering that anyone with my information can simply wait one or any umber of years before attempting to steal my identity with it. This is therefore is nothing more than a means to force victims caused by Equifax 's inadequate security, to purchase their service once it expires. My identity information was not divulged with my consent. Furthermore, as of today, XXXX2017, Equifax 's " free '' identity theft service agreement includes a provision that, unlawfully, binds the user of the service to arbitration. This shows bad faith on the part of Equifax and its managers in dealing with customers. Finally, three top executives sold large amounts of shares in their company before the news of the breach was public. This implies that they intended to enrich themselves based on this breach and the suffering of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/2018, I notified Trans Union by Certified mail, that I was disputing XXXX/XXXX, XXXX XXXX, and XXXX. To date, Trans Union has not responded within the 30 days as required by law to validate this debt. They are in violation of the FCRA and FDCPA

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 08-04-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I HAVE HAD IDENTITY THEFT. SOMEONE OR MULTIPLE USERS RAN MY CREDIT REPORTS AND SOLD IT CAUSE I HAD PROBLEMS WITH PEOPLE COMMITTING FRAUD THAT I REPORTED TO THE POLICE AND THE XXXX XXXX XXXX. MY HUSBAND ALSO HAD MISUSED MY INFORMATION TO GAIN ACCESS TO MY ACCOUNTS AND GOT INFORMATION TO SCAM ME OR TO HURT ME. HE ALSO USED INFORMATION TO GAIN ACCESS TO MY ASSESTS AND CHILDRENS SOCIAL SECURITY BENEFITS. HE HAD ACCESS AND HACKED INTO ALL MY INFORMATION IN CYBERSPACE AND TELEPHONE NUMBERS. ON HIS ACCOUNTS AND MINE AS WELL. I HAVE HAD TO GO THRU SO MANY EMAILS AND PHONE NUMBERS BASED ON THE FACT I COULD NO LONGER ACCESS THEM. HE WAS UP TO SOMETHING THAT SEEMED FISHY BUT I DONT HAVE IT YET SPECIFICALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted many claims to Experian with regards to this XXXX account reporting on my credit file. This account was stolen and fraudulent transactions took placed. Please remove this account from my credit file. I have submitted Fraud Affidavits to XXXX and to 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 11-12-2015 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Corporation has harassed me about a debt that appears to be for a month XXXX. I have explained over the phone and by mail that I have never had dealings XXXX ( I am a long time XXXX customer ) and I have never lived at the address or known anybody in the neighborhood where the service was allegedly provided. I thought the matter was settled, but have recently been alerted to negative credit information posted by them to XXXX against me. 

This is either a case of gross incompetence or outright fraud by Enhanced Recovery Corporation ( given the large base of customers XXXX it would be easy to send out mass mailings accusing people of missing a payment and scam money from them ). I think this deserves investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2015 about Debt collection (Medical) with Grant Mercantile Agency (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called Grant Mercantile Agency debt collector to verify company since I never received a bill for this amount from XXXX XXXX XXXX. I have received and paid other bills that have come in the mail from XXXX XXXX XXXX. When I asked for the company license number I was put on hold and then told I was n't allowed to have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Hello, Usbank is n't going to refund this  XXXX  charge. I did not make the charge, my balance SHOULD be  XXXX , instead it is {$69.00}. I 've called and they said it should be fixed and of course nothing has been done to fix it.     Thank you.    XXXX   XXXX   XXXX , GA

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