milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Debt collection (I do not know) with Midwest Recovery Systems (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midwest Recovery System  are attempting to collect a debt that I have no knowledge of. I contacted this company to ask questions about this account. She told me that the account was opened on   XXXX   XXXX   XXXX    . She was n't able to give me much detail about the account. All she knew that it was from   XXXX   XXXX  . I had never heard of   XXXX   XXXX  . I stated that I wanted to look this company up to get some information because I had no knowledge of this account they are trying to collect on almost 7years later. She tried to offer me a settlement, I would n't accept the settlement because I was n't taking responsibility for the account that I had no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have recently been informed that there is negative information reported by XXXX XXXX XXXX ( original ) and LVNV Funding , LLC ( collecting agency ) in the file showing under my Social Security number at the XXXX Credit Bureaus.. Upon ordering a copy of my credit report, I see an entry from XXXX " my account was charged off '' and entry from LVNV Funding , LLC " I owe {$590.00} ''. 
These are XXXX different entries in my credit report about the same account. 

I am unaware of " owing {$590.00} or having a charge off '' with these companies. 

I tried to contact them with no result at all. 
XXXX XXXX XXXX sent me a letter, they no longer own this account, it was transferred to LVNV Funding ( Letter is attached ). 
LVNV Funding do n't have enough information about my case. 
( Letter attached ). No one send me any validation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America treated an outstanding customer with exceptional credit with horrible service. They took over 1 year to make a decision to deny my loan modification. This resulted in a payment now triple the amount. This delay prevented me from seeking other alternatives. They requested and re-requested information I had already sent for over one year. Further, Bank of America is encouraging me to default on my loan. Bank of America lied about the loan terms stating it was a 30 year loan and did not disclose it would change the terms after 10 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with.

These are the XXXX   accounts.

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my XXXX accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX XXXX  Last reported : XX/XX/2018 {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/2018 {$3900.00}

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 01/19/2017 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (AR).
Issue: Loan modification,collection,foreclosure

Complaint: As I 'm reading the news on the complaints against Navient, I realize I 've seen the same practices being carried out by Chase Mortgage against me. I 've filed several complaints in the past about this issue with no results. I will not explain in detail again, but the CFPB needs to be aware that other companies are using the same practices to make money. There are so many aspects of the service I received from Chase that I feel, no, know, were deceitful and unethical. However, the one I cant let go of is this : after a failed modification ( one I should have never been applying for in the first place because I had a USDA backed loan that was ineligible, but Chase still recommended and claims it was lack of training loan specialists properly that caused the oversight ) I paid Chase a large amount of money to bring my mortgage current. Chased applied these funds differently than what they were intended for causing my mortgage to be late once again by two payments. This meant more late fees and credit hits. Chase has a policy that they can only receive payments on a mortgage that is less than two payments behind. Meaning, either I paid the entire amount of the sum of two missed payments, or none at all. I did n't owe two missed payments as I had already paid, but they " lost '' the money. I did n't have that amount of money again! I only wanted to pay my current amount owed! It took them over 2 months to correct this issue. I could not make a payment during this time. That 's 4 missed payments and 4 credit hits, on top of the ones I had already accrued due to the bogus modification. This has ruined me financially. Fortunately I was able to sell the house in 2016, but my family and I are stuck renting in a bad neighborhood because renting anything better requires good credit. I live in fear in my own home because of break-ins, vandalism, and strangers walking the streets. My children ca n't play outside. My car sustains damage from reckless drivers because I have no room in my driveway. All because Chase is allowed to behave in this manner without checks and balances for said behavior. Please read this. And please do n't request Chase to investigate themselves again. They find themselves not at fault ... of course. They need to be held accountable! Just XXXX my complaint. There are thousands of us with the same complaints!

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My first Federal student loan was in 1997. It is not showing on none of my credit reports. The student loan was consolidated into one and paid off. My credit age is incorrect. I have had credit longer than 4 years.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is XXXX XXXX is located Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over 1800.00 in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to XXXX as per the trouble with the starter, each time they failed to act or to address the problem. In XXXX of this year XX/XX/XXXX, I traded the car off to the XXXX XXXX in XXXX, NC, and thus paying the car off in full. XXXX XXXX had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action XXXX XXXX took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.

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 07-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Green Tree Servicing LLC. 
In XX/XX/XXXX my house was going to be foreclosed. I was told that I needed to raise {$62000.00} to keep it. I had to sell everything I had and borrow money from friends and relatives to get that money. I was told this was going to cover everything, including attorneys fees, late fees, escrow negative balance, taxes and everything else. After I sent in the payment, they raised my mortgage payment from {$810.00} to over {$1500.00}. I was told it was raised due to escrow. I asked them why was I being charged for escrow when I had paid for it. They responded that the {$62000.00} all went to interest and there was not enough money to cover escrow. 
XX/XX/XXXX I received I letter stating that I had paid {$40000.00} in interest. I called Green Tree and asked where were the other {$22000.00} I paid in XXXX, also where did the other XXXX payments of {$1500.00} during the year of XX/XX/XXXX go to. I never received a clear response. I hired an attorney and they sent us an incomprehensible statement which did not add up to all the monies paid. We asked detailed information that stated exactly how much went to interests, how much went to fees, how much went to the principle etc. Their response was that they did not have that information available for us and that was it. My concern and plea for your help is to find out where that money went to and also why did they lie to me about the escrow. Why am I now paying over {$1500.00} a month on a mortgage that is {$90000.00}. Now I am again behind on my payments and again with the threat of loosing my house. What do I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Chase bank took my {$1000.00} from XXXX XXXX then froze all my accounts and funds while they " verified '' that they already stole my money. Absolute thieving XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
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: XXXX XXXX XXXX has continued to provide false information on my credit files. XXXX XXXX and Experian  have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my XXXX  Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the Experian Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from XXXX indicating that I was NOT LATE. This has been and ongoing issue with clear violations by XXXX and continued by XXXX XXXX and Experian. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes XXXX  letter dated XX/XX/XXXX responding to my payment dispute and request for correction XXXX letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX XXXX XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking

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 05-10-2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My " unconfirmed '' Chapter XXXX was dismissed. 
I changed my mind and the attorney cancelled my case. 
Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 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: Information belongs to someone else

Complaint: I was a victim of identify theft in  2010 , and shortly after I went through an exacting amount of time attempting to correct and fix this mess.  XXXX , more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private co unsel, 3 sep arate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my  XXXX  report.  XXXX  is being reported  XXXX  times and with a balance of  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We recently tried to refinance with XXXX XXXX XXXX  on our home loan and was denied due to the current mortgage company. Ditech is our current mortgage company and was not the original company since we filed bankruptcy XXXX which did not include our primary mortgage. ( XXXX XXXX sold to GreenTree and then they merged to Ditech ). We 've never been behind on payments and yet Ditech has reported to the XXXX that we 've been behind from XXXX XXXX to XXXX XXXX however we never received notification of escrow increase until XX/XX/XXXX that from documentation we received however they are reporting they did send us escrow notification back in XX/XX/XXXX which we did not receive. Since this all came to light we made payment to bring the escrow current and now just received another escrow stating we are still short by XXXX dollars XXXX cents which after making the payment online and calling XXXX in their bankruptcy department found out that I was not able to make this payment online or over the phone was supposed to send w/coupon and there is no coupon on the paperwork that we received. Per XXXX she will have that money credit to our escrow account with Ditech. Now they are even decreasing our monthly payment per this document from XXXX to XXXX as of XX/XX/XXXX. Also we 've been discharged from  our chapter XXXX bankruptcy sinceXX/XX/XXXXyet they still have our mortgage under bankruptcy department so that we do not get monthly statements we have not gotten updates without struggling to get this information and the people that I 've had to deal with are very rude and unfriendly and I understand for a majority of people they deal with our losing their homes but I have not ever been in this position nor was there any intent on losing our home. Ditech is preventing us with these modification from refinancing and moving our loan away from them. I 've been told by other mortgage brokers Ditech is GreenTree and they are notorious for doing this and foreclosing on people. I need help getting my loan away from Ditech and/or keeping them on track of correcting these errors and collecting extra money my insurance and taxes have not increased that much over the twenty plus years I 've lived in my home.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 1. I do not recognize the following hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. My credit limit of {$20000.00} with the following creditor is not reported ( it's a Personal Unsecured Line of Credit ) : XXXX XXXX XXXX Account Number XXXX Balance {$0.00} Date Opened XX/XX/XXXX 3. This name associated with my account is wrong : XXXX XXXX Name ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (I do not know) with STONELEIGH RECOVERY ASSOCIATES, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt collector called my number twice, once on XXXX/XXXX/2016 and again on XXXX/XXXX/2016. They are asking for XXXX XXXX. I called back to advise them it was not her number and to remove it. They continued to ask questions regarding who I was, if I was her husband, her boyfriend, if we live together, and other inappropriate questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX XXXX has closed several of my accounts for no reason. I have kept the cards active and paid on time. In the process of getting my SCRA benefit activated on my account. I am to the point where getting a lawyer to sue the company for wrongfully closing my account. Here are the accounts that were closed : Lowes Card : XXXX XXXX : Card ending XXXX XXXX XXXX : XXXX XXXX XXXX : Dont remember the account number but they can pull my info with social. 
I have submitted information to XXXX XXXX to process the SCRA benefit for reduced APR as well as any other fees that have incurred. Still have not heard anything back from the bank itself. Please help me look into this issue.

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 04/16/2015 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Closing/Cancelling account

Complaint: I wanted to stop a payment to XXXX comany listed as autopay on my Synchrony Bank credit card ( JCPenny credit card ) becuase contact number of insuance company was not working. But bank closed my card in place of stoping the payment to the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX/Navient and XXXX XXXX XXXX loans. My Navient loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with Navient that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to Navient, Navient did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance XXXX Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at Navient on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX XXXX. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have a checking account with USAA. In XXXX, 2017, I signed up for a internet service called XXXX XXXX XXXX XXXX. The service did not live up to it's claims so I cancelled it three weeks later. In XXXX USAA processed a payment for XXXX XXXX that I did not authorize. I told them this in multiple phone calls and I filed a fraud dispute against XXXX XXXX. Today USAA sent me an e-mail saying my fraud claim was denied and they were siding with the company and reversing my credit of {$130.00}. USAA sides with companies against consumers. I find it almost impossible to cancel payments or reverse payments that were not authorized with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I had my Bank of America checking account as well my credit cards accounts closed without a warning or reason.I just found out about it after trying to use my credit cards and getting denied. When I went to the bank to get an explanation i was given a XXXX number with a message saying they can terminate their relationship anytime and do not need a reason for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation