milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with PLANET HOME LENDING, LLC (SD).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to work with my mortgage servicer to get rid of my Private Mortgage Insurance, since my LTV is now less than XXXX %. They are using the original appraised value from 8 years ago and I am using the current county assessed value. Is this customary? I could be saving {$120.00} a month but I am having to pay this amount for another 2 years. I feel this is unfair and deceptive.

Company response to consumer: Closed
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I recently pulled my credit report and noticed inaccurate tax liens on my credit report.On XXXX XXXX I sent a letter to Equifax regarding this matter. I stated that under the new law effective XXXX XXXX2017 any public record data must include name and address as well as SSN or DOB. I asked Equifax to please provide me with this information and they fail to do so I was not provided any documents supporting this incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I go to check my. Report on XXXX and XXXX has a debt of XXXX on my XXXX report I have n't had XXXX in years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit card () with Synovus Bank (NV).
Issue: Customer service / Customer relations

Complaint: I have a secure credit card with First Progress Bank and I used to pay some service online, next thing I know is a letter that came on the mail saying that there was some suspicious transaction that they needed to verify and they were going to put an stop on the card until I call to verify. What is my surprised when I call for that issue, the hold period on the phone is 10 min. when they answer they put you on hold for 2-3 min. at the time any time they need to verify what you are telling them and .... if that is not enough after you answer all their interrogatory, they put you on hold one more time and come back and tell me that I needed to send a copy of my SS, ID and XXXX utility bills to verify that is me, so I go ahead and fax the documents out to their fax and when I call to verify they received, hoping that was the end of my night mare ... no the supervisor said that the copy of my ID and SS card were to dark that they could not read it, that I needed to send another. After all this I 've been on the phone for 3 hours with them

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I have a Volkswagen Jetta XXXX XXXX. When I got the car XX/XX/XXXX the car was having problems with the transmission. I took it to a dealer and they checked to see if I needed oil, or a new transmission. The guy that looked at the car had said the car was n't worth the money that I was going to put into it. I called the place where I got the car from which is XXXX XXXX XXXX. I spoke with the owner, I told him just what was told to me. The owner response was its nothing he could do about it because it was included in my 90 day warranty. My warranty was still active. I called Credit Acceptance and asked them what to do. They told me it 's nothing that they could do. I continued to pay on my car. I still drive the car because that 's the only transportation I have to and from work. It 's been two weeks today XXXX XXXX XXXX since I 've drove my car because it wo n't crank. It wo n't do anything. I had spoke with Credit Acceptance again and they told me that we could work out a way for me to make my car payments. I told them I could I pay on something I ca n't use. It 's been very stressful and just nerve wrecking not being able to work how I 'm supposed to.

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 10-05-2015 about Debt collection (Medical) with Credit Center, LLC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I never received a notice that I owed any debt. Checked my credit reports and found negative accounts. Sent out debt verification letters and cease and desist stating only to communicate by mail. They called me on XXXX/XXXX/2015 after receiving my letter sent out on XXXX/XXXX/2015 and I never received any letter or coerrespondance at all about the verification of debts. They have not removed the negative marks from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. They have unfairly marked the account as bad debt and sold it to another lender. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (I do not know) with MOHELA (RI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have been contacted in 29 times, since XXXX XXXX, 2015 by a Company called MOHELA, XXXX XXXX XXXX, XXXX, MO XXXX. The calls are annoying. According to my son, Mohela has all the information on loan that belongs my son, not me. Yet they continue calling me. The most recent call was on XXXX/XXXX/2015 at XXXX PM. In the past two days, I have had XXXX discussions with Mohela personnel and quite clearly told them to stop calling and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have seen at least XXXX credit inquiries on my Equifax credit report from car company 's. I have NOT filled out ANYTHING from a car company. My last credit application was to XXXX. I do n't know who is making these hard inquires from these car places, but I want it stopped and removed! I have also written a letter to the credit bureau which will be sent out today.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery keeps calling a private phone number of mine repeatedly, multiple times a day, from phone numbers all over the U.S. Because they are calling from so many different numbers, I can not block them. They are also calling my work phone number, when they 've been informed that I can not receive personal phone calls at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2015 about Bank account or service (Other bank product/service) with CORELOGIC INC (SC).
Issue: Account opening, closing, or management

Complaint: Lately I 've been monitoring my credit report, and out of nowhere I saw that my score had dropped XXXX points, which really discouraged me because I 've been trying to pay my bills on time to have my score in a good standing point. I looked for further details on why my score dropped and it was because CREDCO pulled my report. I 'm not familiar with this company, and I 'm not even located in XXXX XXXX, XXXX, im located in XXXX. I then took action and sent them a dispute letter, for them to remove this item because they are violating the law by having no permissible purpose on pulling my report. 2 weeks later they sent a printout, which i will attach, basically saying they had a permissible purpose, and that someone that I have no knowledge authorized them to pull it from my report. I then sent another letter demanding them to remove it, and today on XXXX/XXXX/15 they sent me the same printout, which is far away from proving that i authorized them to pull my report. Even after i told them I have no knowledge of this company, they still did not delete this off of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Mortgage) with Ditech Financial LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Due to a subprime loan by XXXX XXXX XXXX, I lost my home on XXXX XXXX in XXXX XXXX in XX/XX/XXXX in a foreclousure sale. XXXX XXXX XXXX Foreclosed on my home in XXXX, and no other activity occured on said account since. XXXX XXXX XXXX reported to their collection company a wrongful activity date of XX/XX/XXXX. This is on my credit report with XXXX and XXXX and must be removed immediately. The last activity on this account was the foreclosure in " XX/XX/XXXX ''. I have submitted several letters of Dispute and calls to both Ditch Financial LLC, and to XXXX XXXX XXXX to no avail. I need help having them remove this from my credit reports since " XX/XX/XXXX ''. 
I have attached some letters of dispute I have sent to them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Mortgage (Conventional home mortgage) with Quality Loan Service Corporation (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The WA State Supreme Court Clerk refuse to Docket our reconsideration when we file within 30 days on XX/XX/XXXX  which was within thirty days that the WA RAP require.
<P/>
The Federal Rule In the landmark case of   XXXX   XXXX   XXXX   (   XXXX   )   XXXX   XXXX   XXXX  , the court announced that virtually all constitutional errors are subject to harmless error analysis. The sole exception to this rule are those errors which are termed " structural '' in nature. (   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX   XXXX   XXXX  . ) In order to qualify as a " structural '' error, a constitutional deprivation must affect " the framework within the Deed Of Trust Act.
<P/>
In its most recent discussion concerning structural error, the court suggested that some errors must necessarily be deemed reversible per se in light of the difficulty of assessing the effect of the error. [ Citations. ] ( United States v.  XXXX  (  XXXX  )   XXXX   XXXX   XXXX   XXXX  , fn. 4. ) This category of cases includes the denial of a public trial.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Other

Complaint: Chase is taking 7 days or more to apply payments to the available credit. The timing is happening like this : Day XXXX : Payment is made onlineDay XXXX : Money is withdrawn from my checking account. 
Day XXXX : Payment is shown online and current balance is updated. Available credit is not updated. 
Day XXXX : My bank confirmed that the funds were deposited to Chase. 
Day XXXX : Available credit is finally updated. 

I was told by customer service that the available credit is updated once funds are confirmed. With funds deposited into their account by day XXXX, there is no reason it should take longer to update the account. All of my other credit cards update within 1-3 days. Chase is the only CC that refuses to update in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX/XXXX/XXXX I received a copy of my updated Experian Credit Report. In that report Experian re-posted Inquires that in a previous credit report sent to me by Experian dated XXXX/XXXX/XXXX informed me that a numerous of inquires that I have been disputing since XX/XX/XXXXhave been deleted. The following are the items that were deleted and now reflecting back on my Experian Credit Report having an extreme negative impact on my credit report and credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX ALLY FINANCIAL XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX Please Note : I am unable to attach the documents at this time but the documents can be supplied at your request via fax.

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 04/17/2016 about Credit reporting () with Experian Information Solutions Inc. (ME).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address on my credit report where I have never lived., XXXX XXXX XXXX, XXXX XXXX XXXX , Me, XXXX. There is an incorrect birthdate on my credit report of XX/XX/XXXX. /There is an incorrect spouse named XXXX on my credit report and I have been divorced since XX/XX/XXXX and also he is dead. There is an incorrect social security number of XXXX on my report. There are several Misspellings of my name due to typing errors that I want removed. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. wrong phone numbers on credit report. XXXX, XXXX, 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 08/31/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been a cardholder with XXXX XXXX for over 10 years. I have never missed a payment. 
I was in the hospital during the month of XXXX in 2015 and had someone send in my payment. 
Due to an electronic error the payment was never made. I received no email notice, no phone call or no US Mail notice that I was late in making my payment. Previously, if I had been a few days late ( never 30 days ) I was always called by XXXX XXXX as the payment date was misleading. I assumed that if you were not 30 days late you were safe. In fact, XXXX XXXX went so far as to reversing late fee 's that were charged to me due to the fact I paid a couple of days after the due date ( Again, no 30 days ). I called XXXX XXXX and they were insistent that they were right and I was wrong. Again, computer error. I stand by my record as never having had a late payment in 10 years. I am asking them to remove this late payment from my credit report. 

In addition, I was denied a credit limit increase due to this one late payment. In addition I am receiving credit offers from XXXX XXXX regarding approval for a car loan of up to {$35000.00}. Does not make sense ... ... ... ....

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 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDCOUNTRY FINANCIAL CORP (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I fell behind on payments and this account was charged off XX/XX/XXXX with a balance of {$770.00} and this has been the charged off balance since XX/XX/XXXX on XXXX, XXXX and XXXX. I recently applied for a home loan on XX/XX/XXXX and 2 days later this creditor has added {$720.00} to the charged off balance and now today they have added {$34.00} to the charged off balance bringing the balance to {$1500.00} on all three credit bureau. They are inaccurately reporting the balance owed on all three credit bureaus and inaccurately adding more to balance owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: Bank of America is not taking adequate steps to protect the security of my account and is improperly assessing overdraft fees. On XXXX XXXX, a charge of {$7.00} was made to my checking account, a charge that I did not authorize. The statement said that the charge was made to a " XXXX XXXX '', a person I do not know and do not recognize a business relationship with. 
I went to the nearest Bank of America branch in order to dispute this charge. The person I spoke to at Bank of America called another department at Bank of America about the charge. The person on the other end of the line claimed that it was a charge from XXXX XXXX. I was told that I would not be allowed to dispute the charge because " XXXX would n't lie '' and that I would need to call them regarding the charge. I was also told that Bank of America would not reverse the overdraft fee regardless of whether or not they believed the charge was false. 
I do have service through XXXX, but when I called them afterwards they confirmed that any charges to my XXXX account would not be charged directly to my checking account, and that the XXXX charge was not their doing. 
Even if this charge was legitimate, I do not believe Bank of America should have authorized it. I have opened a bank account elsewhere, as my relationship with Bank of America has deteriorated beyond all repair due to another issue I am having with them. I am keeping my account open with Bank of America for the sole purpose of receiving my direct deposit checks, and as soon as the change is processed will be closing my account at Bank of America. I am keeping a low balance in my account and not even using my debit card. There was no other activity on my account on XXXX XXXX, and I had about {$2.00} in the account at the beginning of the day. Even is this were a legitimate charge, it should not have been paid to begin with, as there was not enough money in the account to cover it.

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 01-07-2016 about Bank account or service (Checking account) with SCOTTRADE BANK (PR).
Issue: Account opening, closing, or management

Complaint: Scottrade Bank promised that by opening a Scottrade Bank account I would be able to increase the speed of my transfers to and from my XXXX Account. 

After opening a Scottrade Bank account, I got a call from Scottrade 's National Service Center saying my account was going to be closed for " business reasons ''. I was furious and called the branch manager who said there was nothing he could do. 

The worst part is XXXX XXXX and Scottrade Bank did not allow me to transfer my funds out myself and instead put me in the backseat while their back office took over 6 weeks to print a check and send it, without tracking, to my address. 

Overall, very bad customer service and communication with clients. I would recommend moving your money elsewhere.

Company response to consumer: Closed
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Express Recovery Services, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Express Recovery Services has received numerous validation debt letters over the years and request to verify 100 % proof and 100 % accuracy of a debt I have no knowledge of. They have sent printed screenshots of an account a few years ago which violates the FDCPA and I immediately sent another letter requesting 100 % verifiable proof 100 % accuracy of a written contract, signed documents to verify the debt and all my letters have been ignored by ERS. I sent them a cease and desist letter two years ago from calling me. Yet, I received a call at my mobile number from an unauthorized person from ERS named XXXX XX/XX/2017 stating she was attempting to collect a debt. They are aware of a cease and desist being in effect for the last two years. I called her back and left her message to cease and desist contacting my cellphone I never requested to speak to her. Now since I have been harassed by ERS I am requesting for ERS to again through the CFPB portal to provide 100 % verifiable proof 100 % accuracy according to the FCRA and FDCPA of a written contract, signed document that they claim on this debt I have no knowledge of, as this debt is not mine. Please provide the requested documentation through the CFPB portal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax deleted XXXX Accounts from my report : XXXX ( Unsecured Loan ) I NEVER disputed these items and would like to know why they were removed from my credit report.

Company response to consumer: Closed with explanation