milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I will commission into the XXXX XXXX XXXX XXXX in XXXX of 2016. I currently owe more than my home is worth and contacted my servicer about the possibility of a short sale or deed-in-lieu so that I can move to XXXX XXXX XXXX when I go on XXXX. I was told that I had to submit the paperwork for a modification even though a modification will not help my situation. Supposedly I was approved for a modification that will reduce my payment by {$22.00} a month. This does not address my issue, since I am current on my mortgage and have excellent credit. The issue is not the payment, but the fact that I have to move in order to serve my country and can not sell my house due to the decline in the real estate market. Because of my credit and that this is an FHA loan my servicer is telling me that the only way I can get out of it is default on the loan and let it start the foreclosure process in order to be approved for a short sale or deed-in-lieu. The only reason that I am trying to get rid of my house is because I am moving as a result of service in the military. I would like to keep my credit score as high as possible, because I need approval to rent in XXXX. I can not afford to pay rent in XXXX and mortgage in XXXX for a house I no longer live in.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ITEM IS PAID IN FULL BUT STILL BEING REPORTED AS OWING A BALANCE. ALSO THE SAME DEBT IS REPORTED ON MY CREDIT REPORT TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing the loan or lease

Complaint: I had a total loss on my truck due to an auto accident. I have telephoned Bank of America as has my insurance company to request a copy of Letter of Guarantee and Title as Bank of America holds my loan. After being on hold for ( documented time of 4 hours ) for 3 days in which no one picked up the phone at XXXX, I finally spoke to someone today who said they would do their best to honor the request for the needed information in 5 business days or more ... And to call back if it was not received. While I continue to pay daily interest, rental car fees, and continue to make car payments. I notice when I search the web and Bank of America 's website there is a significant amount of data for consumer auto financing? but very little data on the total loss policy except a phone number that no one ever answers? This process does not in anyway appear protective of the consumer, only of the big banks. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX Auto Loan # 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 non-monetary relief
Consumer complaint received 02/19/2018 about Debt collection (I do not know) with Credit Protection Association, L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I receive daily phone calls from this phone number : XXXX. I do not owe any debt or have any relatives that this could be related to, so I'm convinced it is a scam. They leave me voicemails daily, it is harrassment and I'd like it to stop. 


Hi this message is for *******. If this is not ****** Please call us back at XXXX. To have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX. Please refer to account reference number XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again our phone number is XXXX. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Student Aid (USA) Funds (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: MY ACCOUNT WAS LINKED BY NAVIENT WITH USA FUNDS WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF USA FUNDS TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH USA FUNDS OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY  CREDIT SCORE  ALSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX   XXXX  EVERY MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I noticed recently on a credit report included with my apartment application that in XXXX XXXX, there was a hard inquiry for an auto loan by XXXX. I called XXXX and they said there were no records of any auto loan application in their records and so there should not have been a hard inquiry. They did not want to update Experian because they said that since there were no records on file, I would have to call experian directly. On XXXX XXXX, I called Experian to dispute this, and they refused to dispute it or to investigate or to call XXXX. I explained I did already and that they needed me to call experian to dispute and when they dispute, they 'll remove it because there are no records. He said no, I have to call XXXX again. After this long argument about how he could not and would not investigate, I called XXXX XXXX back. He again confirmed there was no application process started and that a hard inquiry should not have been processed over a simple question and without my permission. he expressed that XXXX  takes these matter very seriously and will have someone call me back in 24 hrs. I did not receive a call back.

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 04/19/2016 about Credit card () with BARCLAYS BANK DELAWARE (NV).
Issue: Application processing delay

Complaint: Application Number : XXXX Hello, I was hoping you would be able to reconsider my application and see if i can get approved for anything. I do n't care on the credit limit, i just need the help to be able to re establish my credit. I would greatly appreciate any help on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Billing disputes

Complaint: On XXXX XXXX I submitted on a web page to try a product for a trial period. The trial period was 18 days. On Sunday XXXX XXXX ( 18 days later ) I attempted to contact the business to cancel but no one was in the office. I called back on Monday ( XXXX ) but got the answering machine again. I then contacted Capital One ( my credit card merchant ) to get their help. The capital One representative called the business in question only to receive the same message I had gotten that no one was in the office. On Tuesday I contacted Capital One and we talked to a representative from the business in question. The rep advised that I had not canceled in time. She said there would be no refund. I hung up but checked my calendar and realized I had called in time. So Capital One and I called back. We went round and round and finally she offered to refund me half of my money. I told her I was not happy with that but to send it. 
I am writing this because I truly feel that I have been wronged. The trial period started after I made the transaction on the XXXX. 18 days later is Sunday XXXX XXXX. No one was in the office so I could not cancel. No one was in the office on Saturday XXXX XXXX so I was really only given a 16 day trial period. Is n't this fraud? The rep told us that they had reps in the office on Monday but the capital One rep read her notes that proved a call had been made that Monday and that no one was in their office. As I have understood trials like this if it ends on a Saturday or Sunday then the trial is usually extended to the next day that is not a Saturday, Sunday or holiday. The company rep told me I should have just called on Friday. So much for my 18 day trial. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am filing this complaint because experian has ignored my request to provide me with the documents their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to " ... .promptly delete all information which can not be verified '' That I have disputed. Please resolve this matter as soon as possible.
As I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulatlions enacted as a result of CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibility or the mandates nor the liabilities should that entity becomed deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE AND physically proven metro 2 compliant informatlion reporting I do not AUTHORIZE YOU to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already rectified by the other major credit bureaus as mandated by law. thank you in advance here is a timeline of events XX/XX/XXXX17 I mailed experian 1st dispute letter via certified mail with return receipt which included my I.D . XX/XX/XXXX17 I faxed over a 2nd dispute letter to experian and also used their website to upload my dispute onto their website along with my I.D .
XX/XX/XXXX17 Finally received my 1st. letter from experian asking for a copy of my i.d.?? after they have already received it from me twice.

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 06/16/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Caine & Weiner Company, LLC i s in violation of the FCRA and the State of Floridas FCCPA and is subject to financial penalties as outlined by state and federal laws. It is illegal or you to continue to report this inaccuracy to all credit bureaus. This letter is also to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine ; you have provided no legally binding reference outlining your right to pursue any collections activities. I only know of this account based on it being reported in my credit rep ort ( s ). I  have never been notified by mail of the validity of this debt and have never received verification in writing following disputes that have been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX XXXX XXXX - I attempted to go onto the XXXX website to obtain my annual review credit reports from XXXX and Equifax. I was able to obtain the online version of the credit report from XXXX with no problem. 
However, when I attempted to get my report from Equifax, it gave me a page that said that " Online Delivery Available - We are not able to deliver your free Equifax Annual Credit Report online ''. There was no reason provided, such as not entering information correctly, etc. Instead, they want me to send them by mail, a copy of my social security card, a paystub with full social security number, or my W2 with a full social security number. I am also to provide a copy of my driver license, or several other forms of identification - EVERYTHIING needed for someone to completely steal my identity. I 'll be damned if I am going to stick this information in the mail where anyone can steal it. Instead of helping prevent identity theft, Equifax appears to be helping it along and doing everything they can to promote identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On reviewing a recent copy of my credit report, I noticed a collection account ( XXXX ) listed for Fair Collections & Outsourcing. Evidently, the account was sent to FCO in XX/XX/XXXX. As I had never received any correspondence from FCO or the Original Credit regarding this account, this account may not even belong to me. 
As I am cleaning up my credit report and am unsure if this account is mine, I emailed FCO on XX/XX/XXXX regarding this account. Upon receiving my email, they simply sent me a letter ( which uses a name I have not used in approximately XXXX years ) with a balance owed, a date to pay by, and an indication they would mark the account as " settled. '' This is the first communication I received regarding this account and it only came after I contacted them. Also, in their letter, they failed to indicate a right to dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX refuses to process my request for TransUnion and XXXX  credit reports as required by Federal Law.

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 12-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have sent and faxed Transunion this about a XXXX account on my credit report : " This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by you in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 
More specifically, under the provisions of FCRA 611 ( a ) ( 2 ) ( B ), you were required to have forwarded all relevant information I provided by you to the creditor for their investigation of my dispute. I request identification of any information that you choose not to forward to the creditor, and whether you used the automated XXXX process. Response to this request is required, under FCRA 611 ( a ) ( 7 ), within 15 days of this request. '' They have still not responded, so the law states this must be deleted.

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 03-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: An early payment made XX/XX/2017 was misapplied across the board to all my loans instead of first to interest & then to specified loan w/ the highest interest rate. The amount being paid was the amount quoted by Fedloan Servicer to fully pay off one of the highest interest loans ( 6.8 % ). First of all, they quoted an incorrect amount which included interest on a loan that had been paid off the day before. Asked Fedloan ( on phone ) to correct it. They required request in writing ( sent XX/XX/2017 ). They failed to fix error as my letter lacked dob ( which phone rep did not say to include ). On XX/XX/XXXX, my mother called to ask why error was STILL not fixed. They told her to have me re-submit letter with dob ( which I did immediately ). I want their error corrected prior to 1st payment being collected XX/XX/2017. They say it will take 3-5 days to read my email & up to 15 business days to make correction. The level of incompetence is ridiculous. Today they email -- not to say they 've finally corrected their error of XX/XX/2017 -- but rather to say, " Our records indicate you were in contact with our office on XX/XX/2017 and received assistance regarding the inquiry in your email. If you require additional assistance, please respond to this email. '' IS THIS A JOKE? Do they even READ the emails students send? The error is STILL not fixed & they want me to start over? Once they take my first payment next week by direct debit, the error will be compounded. This is cruel & unusual punishment. I 'm trying to make payments! Can I switch to a different loan servicer due to the incompetence of this one?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was negotiating a purchase at XXXX XXXX using a credit card that had been previously opened through XXXX XXXX, but separately managed by a credit card company. I asked if a request to increase my credit limit would count as a hard inquiry on my credit report, and the representative at XXXX XXXX told me it would not. When asked for the qualifying information to request the limit increase, I miscalculated my monthly income, and only reported 50 % of my monthly income. The next day, when I realized my calculation error, I called the credit card company and proceeded through the recorded prompts to request a limit increase using my corrected calculations. XXXX requests to increase my credit limit were recorded as hard inquiries on my credit report. The XXXX inquiries are recorded as having been requested on consecutive days, but XXXX came from the same company. I accept that the representative, who I first spoke to at XXXX XXXX, was misinformed, and did not understand that a request for a credit limit increase would count as a hard inquiry. However, because XXXX requests for limit increase took place in a short period of time, I feel that the XXXX should only be reported as a single hard inquiry from the credit card company. I would like for XXXX of the inquiries to be removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Trouble during payment process

Complaint: Having completed the required three-month trial payment period,XX/XX/XXXX-XX/XX/XXXX, on XX/XX/XXXX we received an acceptance/eligibility letter from Nationstar Mortgage for a Home Affordable Modification on our mortgage. We completed and returned the agreement in the pre-paid envelope by the designated date of XX/XX/XXXX. Receipt of documents were confirmed and we continued payments -- the first new monthly payment for XXXX ( continuation of trial payments ) of {$1500.00} @ 3 % interest for 483 payments and made XX/XX/XXXX's monthly payment ( monthly principal/ & interest payment amount {$850.00} ; monthly escrow payment amount {$660.00} ). On XX/XX/XXXX we received another modification agreement with change in the " new money '' from {$100000.00} to {$74000.00} ; the monthly payment changed to {$1500.00} @ 3 % Interest for 480 months. We called Nationstar and spoke to XXXX XXXX questioning new modification documents AND as to why on their website on my login page there was message " Your account is not eligible to make payments. Please call us ... '' XXXX XXXX said that Nationstar was " re-doing the modification '' and that I after I signed new agreement, payments would be accepted. We signed the new modification agreement and returned them within the designated time frame.
We called Nationstar weekly and were told they were working to correct some errors " they had made ''. We checked our account on their website several times during the week and saw the same message " Your account is not eligible to make payments. Please call us ... '' which we continued to do. <P/>On XX/XX/XXXX we received a letter ( dated XX/XX/XXXX ) informing us that we had been denied HAMP 1 Tier as we 've " ... exceeded allowable number of modifications ... '' and HAMP Tier ll was declined because " ... offer not accepted by borrower/request withdrawn ... '' This is not true. It also states we did not make trial payments which is not true! They are now asking for money ( {$61000.00} ) that according to modification agreement was rolled back into loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Avant Credit Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted Avant Financial on XX/XX/2017 and ask for a pay off of my loan, they gave me a pay off of XXXX if paid in full before XX/XX/XXXX. 

On XX/XX/XXXX I mail a cashier check in the full amount, they credit my account on XX/XX/XXXX. and still debit my account on XX/XX/XXXX. I notice the transaction and contacted Avant and spoken to the Supervisor name XXXX on XX/XX/2017. and explain the situation and ask them to refund my funds, they said they have to conduct an investigation which will take about 10 days. I demanded my refund immediately. They will not send my funds for two weeks, which put my account in a negative status. I paid this account in full as stated by them. I have documents from them giving me the full pay off. They made an unauthorized debit from my account.

Company response to consumer: Closed with explanation