milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2015 about Mortgage (Other mortgage) with Pacific Union Financial, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX over ten days from the clients sale date of XXXX a modification package was sent in. ( please see attachment ) On XXXX Pacific Union confirmed receipt of all docs and stated nothing was needed. 
On XXXX XXXX with Pacific Union stated a missing document letter was sent out on XXXX but " had already expired. '' She stated that a letter of explanation was needed for deposits into the homeowner 's bank account. She stated that it was too late to send it. The Letter of explanation was sent that same dayPacific Union was called on XXXX, XXXX and they stated that they did not have receipt of docs as of yet. That it can take up to 5 days. The first time the initial package was faxed and emailed in, it was received that same date. It was very apparent that the lender was purposely avoiding acknowledging receipt of the documents in order to foreclose on the home. The documents were not only sent in a timely manner, but the fax confirmation and email were kept as record. 
On XXXX Our office once again spoke with XXXX who stated there was still no update. When asked what the delay was on receiving the documents she rudely stated the following- " You are not the only one in the world attempting to do this. '' A supervisor was requested but she claimed all were in meetings and no one was able to assist on the file. XXXX stated that the home would go to sale on XXXX as the review of the modification would not postpone the sale date. 
On XXXX the homeowner received a letter dated XXXX stating the loss mitigation package was received. That the deadline to send in the Letter of Explanation document was XXXX which has not yet expired.. 
Pacific Union has stated one thing in writing and their employees are stating something else verbally. It is very apparent that Union Pacific was rather not assist XXXX XXXX. Furthermore, Pacific Union is discriminating on XXXX XXXX based on his race, national origin, and ethnicity. XXXX XXXX is requesting a fair review with no discrimination or he will assert his legal right in district court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Have contacted Capital One Bank about getting a letter stating the account under XXXX appearing on my XXXX report. Those not appear in there record under my name and social. they also refusing to go on XXXX way with XXXX to clear this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: There was a court ordered stipulation that the bank is not following. I have been writing to get the account corrected since XX/XX/XXXX and yet they ignore my requests. XX/XX/XXXX, yes XX/XX/XXXX, I submitted another request to have them investigate. I just received yet another letter dated XX/XX/XXXX that they are still addressing my concern and conducting research, however I just received documents for pre-foreclosure. The bank has not properly serviced this loan and is in contempt of court. I need the account corrected to reflect the agreed terms and to cease their foreclosure action until they can update their records properly!

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 03/27/2017 about Payday loan () with EZCORP, INC. (TX).
Issue: Payment to acct not credited

Complaint: I was issued a check from ez Corp. For a settlement agreement for XXXX but received the check after the date when I would have been able to cash it I have reached out and have been told by there corporate office they will not re issue the check.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Other mortgage) with Fidelity National Financial, Inc (MN).
Issue: Loan servicing, payments, escrow account

Complaint: A title company repeatedly e-mailed me another person 's private financial information about their escrow account, property purchase, etc. This is a data privacy violation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX XXXX, 2016 I file a claim against Citibank and XXXX XXXX XXXX XXXX regarding a collection account that still is being reported it to the XXXX major credit bureaus, Citibank issue a letter on XX/XX/XXXX stating that they will follow through an investigation and that they would take them 3 month to notify of the results, it 's been 5 month already since I begin filing complaints against both of them. 
a Law Firm in New York called XXXX found violations being done specifically on this account XXXX has been the only XXXX that understood that this account should not be reported it anymore therefore they deleted it but the collection account is still active reporting it every month as of collection to XXXX and XXXX I have n't got No response from Citibank as they promise my record with both Citibank and XXXX XXXX is on your Data List with all the information pertinent to this collection account.

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 09-01-2016 about Debt collection (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Filed Chapter XXXX bankruptcy on XXXX XXXX, 2016, this information is readily available on my credit report, through subscription services, and public record. Whether or not a debt is dischargeable or not, it is a requirement that all creditors abide by the " automatic stay '' instituted by the United States Bankruptcy Court. This particular collection agency did not follow this rule, nor can they claim ignorance of the filing as the proof of filing is readily available as previously mentioned. In fact, proof exists that the original creditor is listed on the bankruptcy petition. This agency made 11 phone calls and left the same scripted message during the " automatic stay '' provision, from number XXXX, the recordings have been saved. The dates and times are as follows : XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Student loan (Private student loan) with Earnest Inc. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I recently refinanced my student loans from the loan servicer, XXXX to a student loan refinancing company called XXXX. There was a credit in the amount of {$780.00}. This amount has not been applied to my balance with XXXX or me directly. I contacted both companies, XXXX and XXXX. I am not to obtain a status on the balance. 

I am also accruing interest against higher balance than I should. I am requesting the assistance of the Consumer Financial Protection Bureau to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Contact : XXXX SSN : XXXX Company Complaint : Fair Collections & Outsourcing Re : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Account # XXXX This account is for a residence that I had planned to move into, once I signed the forms I went down to where my townhome was and realized I had just made the biggest mistake of my life. There were people outside smoking weed, and just not a comfortable situation for a single mother of XXXX. I walked right back up to the office, and explained they could cut up the contract because I would not be moving in. Well low and behold this is where we stand now. They never once tried to make contact with me letting me know that they would be charging me for anything, turned around and sold the information to FCO. I spoke with FCO sometime last year 2016 and was so frustrated I told them I would just pay something to have them stop harassing me. I spoke with a manager who in turn did stated to me that they would remove it from my credit due to the situation. I took their words for what they were and noticed this year when I sat and pulled my credit that the account is still there. I contacted the company last week and asked to speak with the supervisor who handled my account and find out why it was not deleted, and was told that they will not transfer me and that what the employee was telling me was all I was going to get.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, transunion and XXXX have a negative report on my credit report which is fraudulent to XXXX XXXX XXXX XXXX by XXXX XXXX for {$370.00} .... not my address and my XXXX XXXX XXXX XXXX is up to date at my home address,,, they used my social security number to open the account XXXX XXXX account number is 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 04-04-2015 about Mortgage (FHA mortgage) with BANCO SANTANDER PUERTO RICO (PR).
Issue: Loan modification,collection,foreclosure

Complaint: My father was a XXXX Veteran. He purchased a home using a FHA loan in XX/XX/XXXX. In XX/XX/XXXX he passed away. None of the heirs are in a good enough financial position to assume the loan. I am the youngest son and I am actually living in the house right now but I am unemployed and do not qualify for a loss mitigation program. The house was put up for sale with no success. My father 's sister ( my aunt ) was interested in buying the house through the short sale program but I am told relatives do not qualify for this program. I find this rule discriminates against the relatives because it essentially allows non-relatives to purchase the home for a lower price than a true relative can. I, as a son would basically lose a home and the family would lose an inheritance if relatives are not allowed to use the short sale program to save the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Late fee

Complaint: I did n't receive my XXXX charge statement from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And it was n't until XX/XX/XXXX that I received a collection call letting me know I was past due. 

I honestly forgot I had performed a transaction on my card for around {$68.00}. Now on XX/XX/XXXX my balance was increased by XXXX late fees that were assessed to the amount of XXXX and XXXX which is really close to the original transaction amount. I already submitted a payment for {$100.00} to the XXXX charge processing bank but I wanted to get at least XXXX late fee removed as I consider it to be abusive. The collections department stated they could n't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Payday loan) with Premier Recovery Group (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call at work by a debt collection agency, the person did not identify themselves. They launched right in to saying that I owed this debt and I needed to pay and if I did n't they could garnish my wages and would file a judgement against me. This is the XXXX time they called and I have previously told them I can not take personal calls at work. They claim to be collecting a debt by XXXX XXXX and he gave me an ID # and phone number to call back. He also stated that he had my social security number and bank account number and my work number was the only number they had to contact me at. Well if they have that much information my work number is not the only way they can contact me. I know my rights and I know they are violating the FDCPA. The person on the phone did n't even identify themselves by name or company, they just expected me to pay or were going to file a judgement and garnish my wages. I called the number he gave me after hours and the name of the company according to the automated system was Premier Recovery Group.

Company response to consumer: Closed
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid  and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until XXXX 's update my credit report or send the letter so I can provide that to my lender for a XXXX XXXX. 
I 've also disputed this account, after the account was settled XXXX 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called XXXX 's more than 4 times a week for the last 6 weeks with no resolution.

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 07/15/2016 about Credit card () with U.S. BANCORP (CT).
Issue: Other

Complaint: I am a credit card customer of Elan Financial. I requested an online increase to my credit limit and the online process did not at any point provide a disclosure that a credit inquiry would be pulled. Had a disclosure asking for my authorization been provided, i would not have consented to a credit inquiry. I called customer service to dispute the inquiry as the proper disclosures were not provided, a customer service representative and his supervisor eventually realized that I was correct and at no point in the process had a disclosure been provided as it they admit it should have been. The representative and his supervisor advised me to write a letter to dispute the inquiry and include the information that we had talked about and the inquiry would be removed from my credit report. I sent the letter as advised and included all pertinent information, including the fact that the disclosure authorizing a credit inquiry were not provided and that the representative and supervisor had verified this. Over a month later I received a reply that they had investigated the situation and would not remove the inquiry because " the promotion offer only included credit limit increase request of {$4500.00} or less ''. I had not received a promotional offer and no where in my letter had i referenced a promotional offer, XXXX had completely ignored the fact that a credit inquiry was never disclosed and I never approved of an inquiry. I called customer service again to escalate the matter and spoke with a supervisor regarding the letter. The supervisor was not helpful at all and would not listen to any of my concerns regarding the lack of disclosures provided by the company. The supervisor repeatedly said that he could not do anything else and that XXXX is required by law to provide a disclosure if a credit inquiry were to be performed and he did not care at all that I repeatedly told him that a disclosure was not provided. The supervisor was rude and showed a total lack of care of the subject. According to the supervisor, XXXX was required by law to disclosure if a credit inquiry were to occur and he should have been more concerned with the fact that the company is not following what they admit to be the law. I received a call from a manager in customer service the next day and she continued to say that XXXX is required to provide the disclosure during the increase process and that it is provided on the website. When I asked her to tell me where on the website the disclosure is she was unable to provide that information. I told her that was not an acceptable solution and she said she would have to get back to 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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (IL).
Issue: Trouble during payment process

Complaint: We recently sold our home which started out as XXXX XXXX XXXX, now PNC. We received a refund check for pmi insurance for {$560.00}, but could n't cash it because it was in the banks name. Several phone calls they explained that was a bulk check and we were getting {$6.00} back from that. I have the original documents signed when I bought the house, and it shows for PMI insurance my maturity date is XX/XX/2017. That probably was correct except I opted to do the twice a month payment when I got the loan. Because of that I was at 53 % at closing. Well below the 78 %. I know what it shows by what I signed, but the numbers do n't lie. 53 % is 53 %. PNC is standing by what is signed not actual numbers. According to the HOMEOWNERS ACT Any loan modification shall payment schedule should be recalculated.mine obviously was not? I have been in contact with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (CA).
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: My credit report for my whole life had been over XXXX until I bought a Toyota and traded it in for a lessor quality Toyota and then Surrendered it for the first time in my life. Then Got hurt on the job and my employer did n't pay the bill and I did n't know for 3 years. Its all taken care of except for my STILL low credit score. Could yoy please look into this and let me know why my score is so low still. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Taking out the loan or lease

Complaint: I recently applied for a home loan, I was advised that there were several hard inquiries on my report that were not authorized. I contacted Springleaf and they advised that I needed to contact experian but they said that Springleaf needs to resolve. I sent a request to experian to have removed XXXX. I attached the latest request. I would like the inquiry removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: Credit reporting allows organizations initially resolved in bankruptcy to resubmit debt under different names. No identification. No honoring judge legal order. No following FCR laws. I paid previously during time required. I never applied for other credit but system process and freezes consistently fail me. Its illegal after years of bankruptcy process and instructions to SIMPLY MAKE ME START OVER. Equifax,  XXXX , and Others. My problem is Known unfair practices!

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have formally requested by certified mail on XX/XX/XXXX and XX/XX/XXXX that LVNV Funding LLC C/O Resurgent Capital Services provide me with VALIDATION of the two accounts # XXXX******and XXXX****** that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debt, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Act by not responding to any of my letters nor have they provided me any VALIDATION. Enclosed you will find letters that were sent to them by certified mail on two separate times..

Company response to consumer: Closed with explanation