milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The bank keeps dragging there feet with documents. Every XXXX weeks they seem to have another document that expires. So it starts the whole documentation process over and it has become very uncomfortable with an auction date of XXXX XXXX on my home. I really need help, i had someone at XXXX contacted by the CFPB and that helped but now that is not really helping any more. I do not know what to do about this any longer. My consumer advocate at XXXX contacted me on XXXX/XXXX/XXXX and notified me i was in final review and they no longer needed papers. The same day they are now claiming underwriting issued updates needed on XXXX documents, i think that is ridiculous. This is the XXXX time they did this to me, the XXXX time was in late XXXX XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I had a Victoria 's Secret credit card and used it twice for my own purchases and paid them off. Then a person I was living with stole my card and charged over {$500.00}. I tried contacting Victoria 's Secret to dispute the charges but they said that they would not because there is no way that someone else used my card. I told them that I refuse to pay a debt that is not mine but they persisted and then after not receiving money for a year they sent it over to collections. I am just now finding out that I can dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: For a period of time, my mortgage was underwritten by Wells-Fargo ( because mortgages are allowed to be bought and sold freely with no input from the customer ). How do I know if I am one of the people who has been wronged in this fiasco? Will Wells Fargo be forced to somehow publish the names of its victims so we can look ourselves up? 

The action of Well Fargo is likely to have damaged the credit ratings of many, many people. Today credit ratings are vital to most every aspect of a person 's life, since they are used as the basis not only judge whether you can receive a particular mortgage or car loan, but they are used to approve rental applications, financial aid for education opportunities, and to determine employability by many employers. Something must be done to restore the proper credit rating standing of these people. What can I do to find out whether Wells Fargo 's action affected my credit rating and how can I fix that damage? 

I know that Wells-Fargo has been cited and fined for defrauding the public, but I am asking that you also pursue them for each and every case of *identity theft* in which their staff engaged when using the names of customers to open accounts without the customers ' knowledge. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To Whom It May Concern : I am writing this letter because there is a big mistake on my credit report. I am specifically talking about the Afni Collections Account for {$1500.00}. 

Afni Collections has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. I look forward to a speedy resolution of this matter. 

Thank you. 

Sincerely, XXXX XXXX XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Contacted Equifax, XXXX and XXXX about removing multiply inquires off my report. I called by phone XXXX XXXX2017 ad also faxed out letters XXXX XXXX,2017 that were sent certified. Called X/XX/2017 and was transferred to the wrong department. There are XXXX inquiries which most of them I did not giver permission to wrong my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My property was foreclosed XX/XX/XXXX ( judgement entered ). I contact my loan servicer, Ditech Financial LLC, on several occassions asking loan modification application after I was pre-screened on the phone if I qualify for a program. XX/XX/XXXX, I received a notice that a Sheriff Sale has been scheduled for XX/XX/XXXX. I contacted the loan servicer, Ditech Financial LLC, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to receive a loan modification application as the sheriff sale on my property was quickly approaching. I finally received the loan modification application on XX/XX/XXXX and a full packet of XXXX-page document was returned to Ditech on XX/XX/XXXX via Fax. Since then I did not hear anything from the loan servicer again. I called on XX/XX/XXXX ( 4 times and left messages to my assigned representative ), and on XX/XX/XXXX ( 7 times, leaving XXXX messages ). I finally got through to customer service at approximately XXXX. and I was informed that they will not review my loan modification application since it is so close to the sheriff sale of my property. 

I have called countless number of times since XX/XX/XXXX, I filled out online " contact us '' forms, '' and called at least 15 times in the last two months leaving voice mails asking that Ditech calls me and provides me with a loan modification application. They failed to do so, until the very last minute so that they would not " have to '' review the documentation and take away my home. Why???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax continues to not correct information on their version of my credit report. I have tried for years to get this corrected. It seems as though their online system is taking your dispute but then nothing ever happens. I have contacted the financial institution to have them update the information about their account with me, and nothing ever changes.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 'm have a problem with Experian reporting my account correctly. I have XXXX student that are being report as closed when they are actually open & in good standing. I called and the rep states to me that they do see my XXXX & my XXXX account. But he said there marked open on his system. I have had my XXXX loan sense XXXX my XXXX sense XXXX XXXX. It 's now XXXX XXXX so why are my account that showing this impacting my credit score negative. Because these open are stated close and have a balance. He claim the system needed to update but it should not take months to update an account from close to open.

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 05-08-2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: My cousin who is in the current loan with me wanted to refi our home from FHA to conventional loan with our current mortgage company. Everything went well until it reaches the underwriting telling about adverse action on my cousin 's credit report about the short sale of his house in XXXX 2009. We disclose this info to their loan officer the XXXX time we talked. For in fact, an appraisal was ordered by them and was paid by us. So, our loan was denied. Accdg to the manager, in order to be accepted for Fannie Mae 's conventional loan, we should wait for 7 years. Is'nt it true that Fannie Mae reduced the waiting time from 4 years to 2 years now?

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Taking out the loan or lease

Complaint: I purchased a 2013 XXXX XXXX from Ohio XXXX XXXX under false and deceptive practices. My credit application was falsified to secure the loan, which Santander purchased from XXXX XXXX Bank immediately. I was never offered a carfax during the purchase and after purchasing XXXX on my own, found out the vehicle was XXXX of a fleet of rental cars. Under the federal " Lemon Law '', this information should of been disclosed. I have had nothing but problems with this " junk ''. I tried taking the vehicle back to the dealership only to be deceived several times. I even tried trading the vehicle only to find out that I owe way more on the vehicle than what it 's worth. I simply CAN NOT afford this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NC).
Issue: Managing the loan or lease

Complaint: We leased a XXXX XXXX XXXX from Ally for three years. My wife drove the car and washed it just about every day. It was kept in immaculate condition. When we turned it in to XXXX XXXX in XXXX, NC, the XXXX manager commented on its first-rate condition. She took it in regularly for periodic maintenance for the three years. After turn in Ally asked for more money for tires. If XXXX had thought the tires worn we would have responded, but they never said a word. They have confirmed this. The contract states " You may be charged for excessive wear based on our standards for normal use. '' The odometer reading at turn-in was XXXX miles, not a lot of mileage!. Ally has been pestering us for over two months asking for {$510.00} for excessive tire wear. Once gain, the car was in immaculate condition and should have brought top dollar at resale, to try and get another {$510.00} is absurd. I have told them on numerous occasions to stop calling, because we will not pay another {$510.00}. We were on time for every payment. Our credit rating is, and has been, at the XXXX-XXXX level. 
I have asked to speak with a supervisor on numerous occasions, because the operators do n't speak clearly and have an accent. All I get are busy signals or recordings. Now they are threatening to contact credit bureaus.

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 01/27/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My Name is XXXX XXXX with XXXX my main number is XXXX or email XXXXXXXXXXXX. I am a XXXX XXXX XXXX and I am working with XXXX representing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Loan Number # XXXX Last four of my SS # XXXX. 
Phone number XXXX Lender name Specialized Loan Servicing , LLC In order to finalized his file I need a Mortgage statement and the lender Specialized Loan Servicing , LLC is refusing to provide a statement because he filed Bankruptcy in XXXX even though it was discharged in XXXX they are refusing to gives us anything. 
The lender gave me a number for a XXXX XXXX that never answers and we have left several messages. 
Specialized Loan Servicing , LLC number is XXXX. 
All we need is a mortgage statement. 
He does have a sales date for XXXX XXXX, XXXX and we need to submit everything before 35 days from the sales date in order for Arizona Department to review the file. 
Thank you for your courteous and prompt attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 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: Account information incorrect

Complaint: XXXX XXXX is reporting a credit line without any legal authority. They are reporting this fraudulent criet to harass me and adversely effect my credit rating. XXXX had maintained they were transferred this account from XXXX XXXX XXXX. At the time the account was allegedly transferred, XXXX XXXX XXXX did not show any activity afterXX/XX/XXXX However, once transferred to XXXX in XX/XX/XXXX, they started their account history inXX/XX/XXXX with a 120 day delinquency. XXXX  has maintained they would report this account adversely due to the pending lawsuit against their predecessor, XXXX XXXX XXXX.
OnXX/XX/XXXX, XXXX XXXX XXXX admitted the Rescission Deed they filed inXX/XX/XXXX was invalid and ineffective. Therefore they had no loan to transfer to XXXX to collect. However, this credit line should be deleted from my credit report.
OnXX/XX/XXXX, the Court declared the Rescission Deed was invalid as well. XXXX is reporting false information to the bureaus and they are aware of the most recent decision by the Court, ad they are conspiring with XXXX XXXX XXXX creating a fraud against the Court 's, CFPB, and the credit reports. I 've attached a letter from XXXX dated XX/XX/XXXX, letter from XXXX XXXX XXXX 's attorney, XXXX XXXX Stipulation of Facts from XXXX XXXX and the Court 's order. I 'm demanding Equifax delete this credit line if XXXX ca n't prove they are legally required to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: When I applied online with Equifax , XXXX of the security questions was : Do you possess any of the following bank cards? ... and XXXX of the multiple choice options was a name that was XXXX. not a recognizable name of a bank card. None of the other options was a card in my possession, so I answered " none of the above. '' I suspect as a result, since I 'm sure I answered all the other questions correctly, Equifax rejected my online application and required a mail-in form. This is very inconvenient and time consuming. I think they should not use XXXX names, and they should give the reason why I failed the security test.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I had defaulted on my federal student loans services by XXXX XXXX due to the large monthly payment. My Loan went to a collection agency who I worked with to rehabilitate a loan. During the rehabilitation I attempted to negotiate a lower full payoff of my loan which XXXX XXXX countered twice. During the third round of negotiations my loan was fully rehabilitated and sold to Navient ( Still XXXX XXXX ). The monthly payment jumped up over a XXXX per month which wa was the reason I defaulted in the first place. I attempted to continue discussions with them concerning a full pay off and they have now stated that since my loan has been rehabilitated they are no longer willing to negotiate with me as I am now obligated for the full amount after the rehabilitation.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: My bank account was fraud by someone I do not know and the bank took the remaining of my money to cover the balance of the fraud account I reported my card stolen and the Bank closed my account for good

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with BB&T CORPORATION (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Hello Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX XXXX and I am submitting a complaint on Branch Bank & Trust Financial institution. ( BB & T ) I began banking with BB & T after being transfered from an employee XXXX account during their BIG transfer. The situation began while I was working at a XXXX XXXX making about {$25.00} a night and began depositing my fund at the local atm by the XXXX XXXX. There were reports of people getting mugged and robvbed and even stabbed after work and I did not want to be one of them, so I began to deposit every last dollar I made. <P/>Before tips I made {$25.00} a night. I would buy a {$5.00} bus pass, {$10.00} phone card when applicable, {$3.00} breakfast at XXXX XXXX on a Bisquit and gravy. ( MMMMMM ) That was my routine. <P/>I did not want the Overdraft protection program and only wanted to spend what I had and stay away from overdraft fees due to my current job. I did not have direct deposit. This is why I DID NOT WANT THE OVERDRAFT PROTECTION AT BB & T BECAUSE THEY WILL HONOR THE TRANSACTION AND I WILL HAVE TO PAY IT BACK AND THAT WAS OUT OF MY BUDGET. <P/>Also, I later joined the BB & T at work prgram @ My new Employer XXXX. We, my training class of about 20, were promised an incentive of {$100.00} after 3 months of banking with the company. We have not recieved that!. Our personal banker, XXXX, promised us this on serveral instances. They have not since then honored their incentive program that they promised to serveral empoyees at XXXX. <P/>Please help us! <P/>With kindest regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Credit card debt) with Admin Recovery, LLC (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Admin recovery , LLC called me today XXXX/XXXX/XXXX at XXXX. I blocked the number because I have spoken with someone from this company in the past and asked them to stop calling me. Someone named XXXX then called my husband 's cell phone at XXXX XXXX and told him that they were a debt collector and needed me to call and left his phone number XXXX XXXX XXXX. My husband texted me the information and I called the number back. The guy was very rude when I told him that I was on the do not call list. He asked for my last 4 social numbers and I provided it to him and then he started yelling at me. I told him it was illegal to call my husband who is not a joint owner of any debt of mine. We got into a shouting match and I told him to remove both my and my husband 's number from his registry. He said it was not illegal and that he would keep calling until the debt was resolved. I hung up in his face after that. I think it is illegal for this company to be calling anyone besides me about my debt. They ca n't call my husband or my family and I want this to stop, hence the complaint.

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 12/29/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MS).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2016, I odered a XXXX product from XXXX online for {$96.00} which I paid in full through my PayPal account. They received my payment instantaneous. The shipping is free and suppose to arrive 2-4 business days. There 's no customer service contact number. All communication is done via email. I later find out that their address that 's displayed on their website isnt all the way correct. On XXXX XXXX, 2016 XXXX tells me a woman called in and requested that my package be returned back to sender. For what? I do n't know! I 'm very upset because this was supposed to have been a XXXX gift for my daughter. When I emailed them on that same day telling th how upset I was about the whole order process and especially not having a customer service contact number for situations as this one. This company has not responded yet. Today is XXXX XXXX, 2016 and I still have n't received my Oder or refund. I 'm a mother of XXXX. My youngest just turned XXXX old on XXXX XXXX. I ca n't afford for this company to rip me out of my money. I work hard for every dollar that I make. This company is wrong for doing this to me and ruining my daughters XXXX! What really bothers me is that this company still has my money and do n't have the decency to respond to my emails. I order through XXXX and EBay all the time and never had a problem. Never again will I Oder from this company. I have nothing good to say about this company. I even dislike the name of this company. The whole ordering process has been nothing but XXXX!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My credit score has gone down XXXX points in the last month - from the mid XXXX 's to the mid XXXX 's. I requested and reviewed reports from all XXXX credit reporting agencies and I can not find a significant reason for the significant decrease in my score. Please help me.

Company response to consumer: Closed with non-monetary relief