milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with ERC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX 2017 I sent a validation letter to Enhanced Recovery Corp they recieved itXX/XX/XXXX 2017 on the behalf of XXXX. I ask in the valdation letter for them to send me a signature of the contract and validated the debt the say I owe. The sent me a bill of the phone useage from XXXX themselves. I then sent 2nd letter tell them this does n't validated an debt an to remove this debt of my credit or I will be force to take legal action I sent the 2nd letter onXX/XX/XXXX 2017 giving them an additional 5 days business to validated the debt they recieve that letter on XX/XX/XXXX 2017 it is pass the debt but they have recently reported a new collection on my credit onXX/XX/XXXX 2017 but having validated my debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I am receiving multiple calls on a daily basis. When I answer their call, they threaten me with a lawsuit. I have n't received proper verification of debt due to them having an incorrect mailing address on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XX/XX/XXXX, XX/XX/XXXXAND XX/XX/XXXX2017 I PAID {$19.00} A MONTH FOR XXXX ONLINE SERVICES TO MY CREDIT REPORTS. I CAN NOT ACCESS THOSE PURCHASED REPORTS NOW, AND I BELIEVE I AM ENTITLED TO HAVE ACCESS TO THEM. ASLO, I FEEL THAT I AM WORKING CONSIDERABLY HARD TO PAY BACK SOME THINGS ON MY REPORTS AND I DO NOT FEEL THAT EITHER XXXX, XXXX, OR TRANSUNION IS TRULY WORKING FOR ME AS A CONSUMER MUCHLESS, BE RESPONSIBLE TO HOLD MY FINANCIAL RECORDS AND HISTORY ACCORDING TO HOW THEY FEEL LIKE IT.. I NEED MY CREDIT SCORES CHECKED WITH ALL 3 COMPANIES. I HAVE PAID OFF SOME BILLS, HOWEVER THEY LOWERED MY SCORE BACK TO THE SAME AS IT WAS WHEN I STARTED. I BELIEVE MONITORING BETWEEN THE THREE, AND MY DISPUTES MAY HAVE ENTERED INCORRECTLY, NO MATTER HOW THOROUGHLY I EXPLAINED IT. IT LOOKS AS THOUGH I WAS PUNISHED BY DISPUTING DEBT AMOUNTS.

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 06/26/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts using my identity. I have been receiving harassing, threatening and death threats telephone calls from various creditors. The following accounts are unauthorized and fraudulent accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, U.S. Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Customer service / Customer relations

Complaint: I called, I believe XXXX XXXX to report a lost card. When the agent answered after almost 1 hour waiting, I gave her the card number XXXX XXXX XXXX XXXX my XXXX card. What happened the next day is unbelievable. My Citi Thank You card was the XXXX cancelled. I tried calling, but 60 minute waits for customer service are unreal. One time someone answered and I said wait, she hung up! Today I just got my Thank You card ... But where 's my XXXX card?? In LaLa land I suppose. About 10 days ago I sent a message to Citi which nobody answered to date. Is that customer service? I 've been with Citi since 1999, I believe ... What a way to run an airline!!! Oops a bank ... XXXX A. XXXX ( XXXX XXXX XXXX email : XXXXXXXXXXXX ... as you can see I 'm still an optimist thanks to XXXX, not Citi.

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 11/15/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Trouble during payment process

Complaint: In the closing documents provided to me by Caliber Home Loans, Inc. ( CalibeXXXX XXXX immediately before the date of my mortgage settlement, I was informed that my total monthly mortgage payments for years 1-7 of my mortgage loan would be about {$890.00} and decrease thereafter. Of this amount, about {$200.00} was estimated to be necessary to cover my escrow requirements. I recently received information from Caliber, however, that indicates that my escrow payment was not estimated correctly and there is a shortage in my escrow balance. To make up for this pervious shortage and to account for future shortages, Caliber has increased my escrow payment by about {$350.00}. When I called Caliber to inquire about this matter, I was informed that the initial disclosure documents provided at settlement only contain estimates and its rather common for those amounts to increase in the future. I was also told that the shortages may be due to a tax miscalculation done by Caliber before the date of my settlement. 

Such a response is unacceptable. While escrow payments may increase due to slight tax fluctuations in future years, I fully expected that the initial disclosure provided to me by Caliber at settlement was accurate, especially given that tax information is publically available and CalibeXXXX billed me for a XXXX XXXX XXXX. An increase of about 173 %, however, in the escrow payment is material and Calibers failure to disclose a reasonably accurate escrow payment at closing was a material misrepresentation and/or omission.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been making bi-weekly payments that included extra funds to be applied to principal on my loan for about 1 1/2 years. In XXXX 2015 I received a check for {$640.00} from Ditech for escrow disbursement. Upon reviewing my account online I found where Ditech had applied my extra payments to escrow XXXX, sometimes XXXX in a month, instead of correctly applying the extra payments to principal. I have contacted Ditech with my findings and have repeatedly been told that there was no issue and that the multiple payments to escrow was legal. Once again, they sent me a check for funds that SHOULD have been applied to principal and reduced the interest charged to me. They refuse to acknowledge their error, despite the check copy that clearly shows otherwise. I have downloaded all of my data from their website that clearly shows this yet they refuse to correct. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: BANK OF AMERICA IS ATTEMPTING TO FALSELY FORECLOSING AS THE OWNER OF A NOTE THAT WAS SOLD TO ANOTHER ENTITY IN XX/XX/XXXX 
BANK OF AMERICA N.A.WAS NOT THE TRUE SECURED CREDITOR TO WHOM ANY ALLEGED DEBT WAS OWED AT THE TIME THE FORECLOSURE NOTICE WAS FILED. : Pursuant to NCGS XXXX XXXX c ) ( XXXX ) only the Secured Creditor can accelerate the maturity of the note. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX as substitute Trustee commenced this action by mailing a Notice of Default to the XXXX 's. Point 1 of this Notice states the following : " The Creditor to whom the debt is owed is Bank of America , NA s/b/m to BAC Home Loans Servicing. '' Concealing the true creditor. XXXX attached -plaintiff letter of default XXXX The representatives for Bank of America submitted an affidavit further concealing the true owner and creditor. ( attached-affidavit of XXXX XXXX and expert report on affidavit of XXXX XXXX XXXX A Response from a Qualified Written Request revealed that XXXX XXXX, not Bank of America , N.A . was the holder of the note on the date that the foreclosure was initiated. ( attached- letter from Bank of America confirming true creditor XXXX XXXX XXXX This finding was also confirmed by XXXX XXXX XXXX XXXX XXXX XXXX confirmation ) XXXX XXXX did not initiate the Foreclosure as required by law and XXXX XXXX XXXX XXXX, XXXX, Substitute Trustee, should have filed the action on behalf of XXXX XXXX as opposed to Bank of America , N.A .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Problem with fraud alerts or security freezes

Complaint: I recently ordered my annual free credit bureau report from Experian. 

Because I am a previous identity theft victim, I have placed credit freezes on all of my credit bureaus for a charge of {$5.00} per bureau. When I ordered my bureau from Experian, a message came up that implies my credit bureau is not frozen, although I have proof in the form of a credit card charge that the freeze was lifted for about a week in XXXX and then placed back on the account. This is because we applied for a new HELOC loan. 

At no time while I ordered the free credit bureau report did the company ask me to pay {$5.00} to unlock my bureau. They also never required me to provide a pin number. When reviewing my bureau, no where did I find a notification stating my bureau is on a freeze. It clearly states this on my other credit bureau report. If my bureau has been unfrozen despite paying for the fee, I will be absolutely furious. I am attaching a screen print of the message from Experian when I ordered my credit bureau report.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life,

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received lease renewal notice dated XXXX XXXX, 2015 which I signed indicating that i would not be renewing my lease, I returned this to the leasing office on XXXX XXXX, 2015. This was not considered to be notice that I wanted to end my lease and leave. There was a form that I did not know about that is given to indicate notice to vacate an apartment. I found out about this form, when I went to the leasing office to ask about a notice for XXXX rent. I have been sent a bill from a collections agency for the amount of $ {$3.00} XXXX. I am unable to pay this kind of money. I do owe rent for the month of XXXX which I am willing to make payment arrangement.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 've called and started investigations on numerous occasions to have inaccurate inquiries on my report removed.  Company  still has n't removed inaccurate inquiries from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX   XXXX , we filed a complaint with the  XXXX   XXXX   XXXX  against  XXXX   XXXX . The  XXXX  took the case and got involved  ( CFPB Case No .  XXXX  ). On  XXXX   XXXX ,  XXXX , we received a letter from  XXXX , who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting for ove r two years that our payment was late and were charging us late fees. We thank the CPA fo r their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on  XXXX   XXXX ,  XXXX  and the loan with  XXXX  was subsequently paid off. I have copies of all documents relating to this loan payoff. In  XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  letter they state that they are going to contact   XXXX   and Experian to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX    XXXX   credit report still shows an open loan to  XXXX  in the amount of $  XXXX . We recently applied for a loan with  XXXX   XXXX   XXXX    XXXX   and were rejected because of the  XXXX  mark on the credit report. I have tried to reach out to  XXXX  to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX    XXXX   credit and hindering us from getting a loan. 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 04/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: In Nationstar 's response to my complaints to the CFPB, they cited repayment plans offered to us on XXXX, and XXXX. The XXXX 2014 plan split the one month that we were behind into XXXX payments of {$1100.00} to be added to our regular mortgage payment of {$2300.00} for a total of {$3500.00} for two months. The XXXX 2014 plan was to split the one month behind into XXXX payments of {$760.00} to be added to our regular payment which would have resulted in XXXX payments of {$3100.00}. In my first complaint to the CFPB, case number XXXX, I stated that " The only plans Nationstar offered were plans that we could not afford. However, in their response to me and the CFPB, Nationstar invoked said unaffordable plans in an attempt to defend their stance that they had offered assistance to us, when in reality they offered nothing. At the end of the aforementioned response that Nationstar sent, a telephone number was included for " XXXX XXXX '' from the " XXXX ''. ( XXXX ) My husband attempted to call this " person '', from Nationstar 's home office in " Texas '', and was re-directed to the XXXX. This is always the case with Nationstar. Whenever we attempt to contact them we are connected to the XXXX, and more often than not -- we are forced to speak with people who are -- for the most part -- unintelligeble to due their thick accents. When asked this morning to be connected to " XXXX XXXX '', we were told that no such person nor extension existed -- however we could be helped by the agent who answered the phone. When we asked the agent what office he was speaking to us from, he stated that it was an " offshore location ''. We asked which offshore country? He evaded our question for as long as he could before he finally admitted he was speaking to us from the XXXX. Again -- MUCH, MUCH MORE OFTEN THAN NOT, THIS IS THE CASE. We like thousands of others across the XXXX -- based on what we have read in the newspapers and on the internet -- think that the Texas address for Nationstar is a shill for the real headquarters, which we believe is in the XXXX. If this is the case -- ours, as well as thousands of other American mortgages -- are in the hands of a foreign country. Perhaps this is the reason Nationstar is unwilling to assist its American customers. To deny us assistance in making our mortage payments more affordable, it serves -- in the long run -- to further weaken the American economy.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I logged into my XXXX XXXX account and seen that I had a hard inquiry on my XXXX score from Sterling Jewelers that dates back to XX/XX/XXXX. I have absolute no knowledge of this inquiry. I have never even been to a Sterling Jewelers store. I am a young guy who is working to start building my credit and already having an inquiry on my account will slow me down when it comes to applying for different cards especially since I have no idea where this is coming from or even how it appeared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: A XXXX XXXX XXXX XXXX XXXX XXXX was closed on XX/XX/2017. This card had a maximum line of {$500.00} and was closed " due to delinquency of payment ''. The statements were, in the months before closure, being mailed to my daughter 's address in Utah, where she had moved to attend school. While there she became XXXX and admitted for an extended period of time. Because of this unfortunate event, the statements apparently went unheeded as she lived alone. As the statements were being sent to a different address than mine ( in the XXXX area ), I was unaware of the issue. 

After a period of non-payment, I was finally notified of the delinquency by a member of the XXXX XXXX 's Collection team, whereupon I IMMEDIATELY visited our local branch in XXXX, IL and discussed this with my personal banker. He and I then contacted the XXXX XXXX credit card department and discovered that the card was in fact closed with an outstanding balance including late fees coming to a total of {$480.00}. I IMMEDIATELY authorized a payment over the phone to satisfy the outstanding balance and all fees. As a co-signee I feel the bank had an obligation to let ME know the account was overdo BEFORE the card was closed and before this situation was reported. 

As a result of this situation my credit rating has gone from close to XXXX down to the low XXXX 's and I feel that I should not be so penalized. Expediency in this matter is important because I am currently in the process of attempting to procure pre-approval for a new home mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: WE fell on hards times back in 2012, losing jobs, XXXX, XXXX etc. We took from our XXXX XXXX durning this time period. Family had to move in with us due to their own hardships, casuing our monthly expenses to go up. We just recently fell behind because of these situations. We understand that we can afford the mortgage we know we are at a 30 % debt to income ratio, had we applied durning the medical situations and unemployment the debt to income ratio would have been approved. Our primary mortgage has just been approved for a modification.

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. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I was affected by the Equifax data breach. I, like millions of others, was not immediately notified and still can not get clear information about how I might be affected, while Equifax executives sold millions of dollars worth of their stock before the public was notified. Now I am spending my own money to put freezes on my credit scores with the " XXXX XXXX '' and am vulnerable to identity theft, potentially for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2015 we contacted bank of America and told them we wanted to due a deed in lieu, because we could not afford the house. We were not behind in payments, but wanted to due the right thing. We went through all the steps filling out all paper work. Bank of America put a lock on the house the end of XXXX 2015 and we signed deed in Lieu paper on XXXX. When XXXX country notified me that the house lawn was not mowed, I contacted BOA, at that time I was told the deed in Lieu was not approved. I said you have locked us out of this house and did n't contact us that it was n't approved. They had sent a letter to the empty house, when they had know we had not lived there in four years. All monthly statements were sent to new house, plus in the process all letters, but this one had the correct address on it. They are now telling me that they are going through the foreclosure process, I feel it is to claim more money then we owe. We gave then a clean house with a new heating & air new floors. I have attached the appraisal done by BOA. They told me XXXX/XXXX/2015 that they are starting negative credit reporting. 
I would like BOA To remove all late payments after XXXX/XXXX/2015 and to complete the deed in lieu.

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