milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (AL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was with XXXX XXXX XXXX after being sold XXXX. In XX/XX/XXXX I applied for a mortgage modification due to the downturn in the economy. After 4 years of submitting the same information over and over, I gave up and offered them a deed-in-lieu of foreclosure in return for a {$10000.00} relocation assistance. I was then told I had to go through a short sale period first, which I did. At the end of that time, I worked with XXXX on the deed-in-lieu and executed that on XX/XX/XXXX & I vacated the home on XXXX XXXX as instructed by XXXX.. That document was never recorded, the relocation assistance was never paid, and on XXXX XXXX my mortgage was transferred to Selene Finance . Now I am almost 2 months into dealing with this new company and they are even more difficult to deal with. I have emailed and called on a regular basis ; I receive no replies to emails and when I call I am told it is being worked on, " just XXXX more thing needed, '' etc. I am living with my ex-husband because I can not afford to rent a place to live until I receive the relocation assistance monies. I have done everything I have been asked to do and in a timely manner and I need some assistance immediately. I am XXXX years old and at this rate I will never be able to purchase another home.

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

Complaint: Regarding the recent Equifax data breach reported on XXXX XXXX, 2017, I am joining others in complaining about the lack of care this company took with our valuable personal information. We should not have to enroll in a service that they will charge us for once the so-called free trial period expires and we forget to opt out. Furthermore, the company 's former executives clearly violated SEC rules and made a bunch of money before making this known to the public. They should be fined and the proceeds go to provide credit monitoring for those of us affected by the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Credit card debt) with Frontline Asset Strategies, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: SinceXX/XX/XXXX I have been sending Frontline Asset Strategies {$50.00} per month to settle an old debt from XX/XX/XXXX. Each month I receive a statement saying, " Thank you for your recent payment of {$40.00} on ... '' No mention is made of the remaining {$10.00}. 

When I contacted FAS, I was told that there is a {$10.00} per month service fee, but no justification for falsely reporting the amount received was made. 

My complaint is this : ( 1 ) Each month they receive {$50.00} from me. I believe I should be receiving a receipt for {$50.00} regardless of how they allocate it. 

( 2 ) This company provides no service to me. I should not be paying them {$10.00} per month to collect {$40.00} per month. What they collect from me should be applied to the debt I owe. I should not have to pay the debt collector, to collect my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Medical) with Creditors Collection Service (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Creditors Collection Service failed to provide the proper documentation as requested, proper VALIDATION has not been recieved pursuant to the Fair Debt Collection Practices Act. Creditors Collection Service has not provided me with competent evidence that show I have any legal obligation to pay them anything. Creditors Collection Service failed to respond to my validation request within 30 days from the date of receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that 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 manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: Accounts are not validated and still are being reported

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

Complaint: I am one of those involved in the Equifax hack. My SSN and personal information is now comprised. I am worried that my information will now be used to open future lines of credit in my name without my knowledge which could potentially devastate my life as well as my family 's. 

I checked to see if I was involved on XXXX XXXX 2017 and was informed on Equifax 's website that I was affected. I signed up for an enrollment notification for 1 year credit monitoring. I have not signed up as of this complaint. 

I also contacted one of the credit bureaus and had a 90 day fraud alert put onto my credit. This was done on separate advice, not from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I have applied for a loan modification and was denied due to " Insufficient Monthly Payment reduction '' at this time my interest rate is 6 % and I am working as a sales person and I also have rented a room out to try to make ends meet, I can start making payments but this is the answer I got, Nationstar is refusing to lower my interest rate and modify my loan so I can afford to keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Wakefield and associates is listed on my all XXXX of my credit reports twice. I mailed a letter to them to verify the debt and I have not received anything in return. I mailed the letter about two months ago. The credit report says its from the medical center. I did n't go to the medical center during the time frame that listed. I need to see some type of verification to make sure this debt is mine. I have called this collection a few times also but cant get in touch with anyone.

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 07/27/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Due to family illness I was unable to submit the annual occupancy statement for XX/XX/XXXX until XX/XX/XXXX. For efficiency I faxed the form to the fax number listed on the letterhead of the Champion Mortgage form. Three months later I received another request for the same form. I called the company number on the letterhead of the form and was given a different fax number and faxed a copy of the form I had faxed on XX/XX/XXXX. After receiving letters threatening foreclosure I sent by certified mail for which I have a signed receipt the original document which I had faxed in XX/XX/XXXX, a letter stating why I had been unable to submit the form on a timely basis, copies of XXXX utility bills and XXXX DTV bills. The receipt was signed on XX/XX/XXXX. Approximately 3 weeks later I recieved anothher letter suggesting I seek counseling for the pending foreclosure action. This time I called and was told there was no record of receiving the information which I had 1, 2mailed. On XX/XX/XXXX I faxed all of the information I had sent by certified mail and a copy of the signed receipt for the certified mail. On XX/XX/XXXX I spoke with the lady I had spoken to the day before. She confirmed receipt of the documents and told me that I would be contact by someone in Document Support to verify that that department had everything they needed or be informed of what other information that would be required. Today I received a call from a different person who stated that they had only received the occupancy statement. PLEASE HELP ME before this matter moves to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Hi my name is XXXX XXXX and I had my mortgage account with ditech. I payed my mortgage from XXXX XXXX XXXX for 10 years, with 0 payments missing or late. But when I transfer the payment from XXXX XXXX XXXX to Amplified my mortgage company Ditech received payment from Amplified and tried to collect from XXXX XXXX XXXX, when the account was closed and they were notified. 
They are claiming that I 'm missing a payment and I have all bank notices showing payment to the account. I sold the house and paid off the account ( XXXX ). They will not release the title and now want to start foreclose steps. I have tried for months to correct this issue and they are not willing to correct the issue. They are constantly harassing me with calls from several agents daily once i explained the issue they are dismissing and refuse to help correct the issue. Now a XXXX dispute has turned in to XXXX with late charges and they are refusing to release the title to the house when I have provided the document showing all payment have been made to this account XXXX. I need a response immediately to address this issue. Please call me ASAP at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017 I went to XXXX XXXX, with a pre-approved letter from XXXX XXXX XXXX XXXX. The finance manager, took my letter and application which he made clear he would not run my credit by with XXXX XXXX and XXXX XXXX ONLY. 

It was not until 4 weeks later, I find out thru XXXX XXXX that in fact he ran my credit thru 6 companies, XXXX XXXX ( XXXX XXXX XXXX XXXX   XXXX ), apologized for this beahvior and the best I know 4 inquiries were removed, but Wells Fargo, which has sent my 2 letters saying the inquiries were removed, still have not been removed and XXXX XXXX should also be removed. I have letters attached. 
Please help me get these 2 inquiries removed from XXXX and any other credit companies they may appear with.

Company response to consumer: Untimely response
Consumer complaint received 11-07-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: collection agency continues to repost the same collection after being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Virtual currency (Domestic (US) money transfer) with Circle Internet Financial (PA).
Issue: Other service issues

Complaint: I received a random notice 3 days ago from a debt collection agency called XXXX referring to a relationship I had with Circle Financial a year or so ago. They 're stating I owe {$100.00} which I do n't recognize and definitely is n't mine. I want it removed immediately with no impact on my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Billing disputes

Complaint: I have a payment receipt from XXXX for {$77.00}, on my statement I see that I was charged {$120.00}. 
Where is the fair credit billing act when needed ( XXXX )? 
Contacted Chase, they have a person with a accent I do n't understand contact me. I complained multiple times but Chase is was did not understand my XXXX. After multiple complaints that I need to speak with a proper XXXX speaker ( I am XXXX ), they sent me a letter and asked for a response using a fax.Ii have sent several faxes but did not hear anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (WA).
Issue: Application, originator, mortgage broker

Complaint: I applied for refi on day one. Told a fixed interest rate and that was best they could do. Told process was XXXX.!!! If process continued to appraisal, would cost XXXX if I cancel after that charge occures.Day two I call my original broker, get much better offer.Day three I call and am told they had me sign a variable rate contract by mistake but that they would send correction to sign. NO! No mistakes should have been made. I got a much better offer. Stop everything! Cancel my application and forget I called. I do n't trust you. Then his supervisor called. I repeated everything. He said they might could match the interest but it would be a week or two to go to committe. I told him I already had a locked rate somewhere else STOP EVERYTHING. This was day three. A week later they charged me {$500.00} dollars saying the loan officers were proceding with the loan. I do n't know what it takes with these people, but they obviosley purposfully vindictively continued to charrge my account because I cancelled.I never got a call for an appraisal they supposidly charged me for. When I contacted them today XXXX said she was personally do me a BIG FAVOR. She would try and return the money as they LEGALLY have to. I do n't believe it. HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/29/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Call Equifax to check my credit score because purchasing a home, spoke with rep XXXX, badge # is XXXX in XXXX, he would provide me with any information regarding my XXXX report because, I explain to him I did XXXX XXXX with XXXX XXXX XXXX, Equifax XXXX, and Transition XXXX. Seem to me every time I call and get a foreign customer service rep, my score is dropped XXXX point. I believe it 's because of my ethic background or where I am located. I am also a paying member of Equifax XXXX, they are not fairly scoring me properly. I have not late pays, nothing derogatory, XXXX mortgage inquires less than 30 days ( thru Creco ) a third party vendor. I feel that I am being discriminate against. When XXXX was not help, he end the call and did not hang up so I could complete the survey. He came back to the line twice, each time I advised him to hang up so I could take the survey. XXXX the transfer me back in queue. Look forward to hearing from you Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filled Chapter XXXX bankruptcy in XXXX and was discharged in XXXX. I included all debts including the referenced account XXXX XXXX which has now been removed from my credit report previously. The account is now showing back and is duplicated -showing as XXXX negative accounts both owing the same amount of {$5500.00}. 

Open Account # XXXX {$5500.00} Balance XXXX XXXX Original Creditor {$5500.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Remarks Account # XXXX {$5500.00} Balance XXXX XXXX Original Creditor {$5500.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Remarks

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XXXX, I received a collection notice from The Revenue Group on behalf of the Ohio Attorney General for an unpaid bill of {$200.00} from the Ohio XXXX University XXXX XXXX. The service date of the bill is XXXX/XXXX/XXXX. This is the first notification I am aware of receiving for this bill. I assumed it is in error, because I had numerous health issues at that time and had met my out of pocket total expenses for my insurance. I called Ohio XXXX University XXXX XXXX on XXXX XXXX, XXXX, and was told that notifications of the bill were sent in XXXX XXXX and XXXX XXXX. This was four years ago, so in all honesty I ca n't remember if I did or did not receive these notices, but I can say that we are not the kind of people that ignore our bills. Had we received two notices I am certain we would have either paid or disputed it at that time. After speaking to XXXX XXXX XXXX, I contacted my insurance company for verification of payment. I was told that records that far back are not readily available, and may not be available at all. I was advised to make a records request in writing, which I did on XXXX XXXX, XXXX. I have received no response from my insurance company. I also sent a letter to the Revenue Group on XXXX XXXX, XXXX, explaining that I do n't think I owe this debt, but that I will work on obtaining documentation to prove it. So, the problem is, I have received this collection notice out of the blue, four years after the service was rendered. I no longer have any documentation that can prove I do n't owe this, and my insurance company also does not have documentation that goes back that far. I can not prove that I do n't owe this. However, I have had multiple interactions with Ohio XXXX University XXXX XXXX since XXXX for healthcare, and not once has anyone mentioned this bill. In fact, on XXXX occasions I have received payments from Ohio XXXX for overpayment. Why would they send money back to me if I owed them? This is really distressing. If I do n't pay this bill, it 's going to go on my credit record. Plus, it is going through the Ohio Attorney General Office, and I am an employee of the State of Ohio ... .If I do n't pay it, I 'm afraid I may get in trouble at my job. Can Ohio XXXX XXXX XXXX and the collection companies do this? Just pop up with a bill four years after the fact and say pay it or else?

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My complaint is about the conflict of interest at Equifax. The company is a for profit company and is accountable to its shareholders to generate profit. The company is in charge of consumer credit rating ( collecting information and issuing credit rating ) and the company also makes profit from it consumer credit monitoring and subscription business. So the consumer would pay XXXX. I was a subscriber for almost two years and I cleaned my credit, disputed inaccurate information etc. Tecently have decided not to renew my membership as did not see the use for it given that you can the same service free from XXXX. Equifax kept emailing me to renew membership. Since we are in a process of refinancing and given that my credit decreased despite the fact that I had perfect credit history I decided to sign up again and to my surprise they removed all positive information from old accounts and replaced with XXXX, which is not reported, and put back negative late information. I called them to dispute it and they stated that it is coming from the creditor. This is deceiving to push us as consumers to feel the need to subscribe to their product so we can keep Equifax in check. There a conflict of interest here. They should not be in both side of the business they should be either rating company or consumer credit monitoring. Otherwise, their credit monitoring should be offered for free since they are using our personal information to make money. When I complained, they added more information on those accounts closed in XX/XX/XXXX and paid in full in XX/XX/XXXX to show then as XXXX until XX/XX/XXXX, no one would respond to my inquiries and their costumer service uses deceptive methods not to assist and resolve the issue. Submitting a dispute could take months. We work very hard to establish a positive payment history and they simply can not have so much leverage in manipulating or skewing the data in a way they see fit. The credit rating has an impact on consumers ability to obtain jobs, loans and credit at more favorable terms and these agencies should have have so much power. Consumers are being victims of corporate greed. I hereby request that all the negative accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ XXXX monthly payment. The name that is reporting late is XXXX

Company response to consumer: Closed with non-monetary relief