milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian keeps putting a fraud alert on my credit file without my permission. I would like this removed as soon as possible. I am trying to open up a my social security account and ca n't because I have a fraud alert on my file. Here 's a copy of what they " claim '' I stated in which I did n't. " At your request, we include the following statement ( s ) every time your credit report is requested. 
ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/2015. '' Again. I NEVER requested that and they are misrepresenting me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced mortgage loan from LoanCare to XXXX. LoanCare paid taxes ( escrow account ) as did XXXX. LoanCare paid taxes knowingly paid taxes even though they were informed on XX/XX/2016 that refinance was happening and they had given documents to XXXX ( new lender ). I have been trying to work with Loancare since XX/XX/2016 to get my money back as Tax collector only received tax money from XXXX. LoanCare has consistently misrepresented where my money is. I have documentation $ returned to them on XX/XX/XXXX. LoanCare 's representatives have been either ill trained as their information does not match the facts.

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 03/21/2017 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Billing disputes

Complaint: A dispute was filed for a transaction made on XXXX, XXXX, XXXX. The merchant agreed to sell me the item in the amount of XXXX, refunded the difference back to the card. However, I was sent the incorrect model number. I ordered a XXXX Watch, I was sent the correct brand but incorrect model number watch. The item was returned, a return authorization number was provided, XXXX. The tracking number is XXXX, it was received on XXXX, signed for by a XXXX. I spoke with a XXXX at XXXX, she tried to say that the item returned is not one they sell and will be returned back to me. I 've seen the item advertised on their site before, however, it was sometime ago. Needles to say, they lied about not selling it. I further stated that the item will be refused back once received. I advised reps at Chase in the dispute resolution department of this, spoke with several of them yesterday on XXXX, they insist the company be allowed fifteen calendar days to refund. I tried to explain to them that merchant will not refund as they are claiming the item is not one they sell, which again, is a lie. The amount, XXXX is quite a lot, it is currently in dispute status. However, I do not believe the 15 day wait is necessary, considering the information I provided from merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Fairway Independent Mortgage Corporation (ID).
Issue: Application, originator, mortgage broker

Complaint: The original loan was approved for an exit out of a construction loan in XX/XX/XXXX. Going into the final re-finance of the loan, 5 months later, the appraisal based on plans was reduced by nearly {$80000.00} in a market that is increasing in value or at worst holding stable, but far from devaluing. The mortgage lender approved the loan using stated incomes and the associated documentation, as of closing 5 months later, the mortgage lender disallowed substantial portions of the income that were original approved without rational other than blaming the unseen/unknown " underwriter ''. Subsequently, the mortgage broker has been demanding that massive amounts of additional documentation be provided to get the loan closed, including financial statements from third parties to the loan as they were compelled to participate due to the ongoing changes perpetuated by the mortgage broker. The third party justifiably refuses to release personal financial information beyond certify they did gift the money and producing a receipt for the transaction of the gift funds. Further, this loan should have closed 45 days ago, but has been drug onward at some expense to continue to hold rate locks while the market is falling on rates ... effectively paying to hold a a more expensive rate versus current market rates. This loan has yet to close and near as I can tell will not close due to the delay and hassle of the mortgage broker and his representatives. 

This loan was approved in XX/XX/XXXX pending completion of construction based on the same documents provided 60 days ago and provided today. That information has not changed even if the ability to read XXXX and retirement statements compared with straight XXXX has miraculous been reinterpreted. Near as I can tell this out right fraud or bait and switch tactics that the law attempted to avoid with changes back in XX/XX/XXXX because its put me in the position of taking out a construction loan based on a guarantee/promise of a documented re-finance out, a promise now being broken. 

Agent : XXXX XXXX ManagerNMLS # XXXX : XXXX XXXX XXXX XXXX, XXXX, ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX of 2015, I received a credit alert from my credit monitoring company stating that a collection account was placed on my XXXX credit report. Upon reviewing my credit report the same day, I discovered that Trident Asset Management LLC place a collection account for an unknown debt. This is my first knowledge of the alleged debt. Within a few days I sent a debt validation via the United States Post Office Certified mail to Trident Asset Management LLC informing this company that I was enforcing my rights under the Fair Credit Reporting Act. I received a letter from them, along with my ORGINAL LETTER for validation back with their letter stating that if I dispute their claim ( which I did in my ORGINAL LETTER ) to do so within 30 days. Trident Assets Management LLC has CLEARLY violated the Fair Credit Reporting Act and the Fair Debt Collections Act by ignoring my request for validation and dispute, according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), ( c ) ( 2 ) ( E ), 611 ( a ) 1 ( A ), and Fair Debt Collection Practices Act Section 809. Also, in my letter I clearly stated the laws and there definitions. I received another alert from my credit monitoring on XXXX XXXX, 2015 after requesting validation/disputed, stating that Trident Asset Management has again placed the same alleged collection account on my XXXX report. Trident Management has clearly ignored my request for validation and disputes as well as Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to know how long my lender has to provide me with a reaffirmation agreement and complete the reaffirmation process. I filed for bankruptcy ( chapter XXXX ) on XXXX/XXXX/2016. My meeting w creditors was set for XXXX/XXXX/16. Prior to this date my auto lender had sent my reaffirmation paperwork and I took care of that with them. My credit meeting came and went with no information from DiTech on my current mortgage. I inquired with my attorney as to what I needed to do. They told me they were in contact with DiTech and we should have it prior to my discharge date of XXXX/XXXX/2016. I inquired several more times before this date and they had n't provided anything. They had told my attorney that they had already sent it, that they would resend that week, another inquiry a week or more later and they are waiting on approval .... But wait you said you sent it weeks ago??? 
I have now extended my discharge twice and nothing has been sent. In all this time, I have never missed or never been 30 days late with my monthly payment. 
My attorney emailed me today that their latest update is that DiTech 's attorney is in possession of the agreement but is awaiting their approval to send it. 
At what point are they required to do their job and provide me ( their paying customer ) with the information I need in a timely manner? I would think 30 days but we are approaching 5 months.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (Conventional fixed mortgage) with Evergreen Moneysource Mortgage Company (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Evergreen Home Loans has mismanaged every change of payment that has taken place with my mortgage. I have paid my mortgage on time every month through a scheduled check delivery service, and no matter the change, Evergreen mishandles the change. The first instance was when they missed paying the county tax in XXXX of XXXX. It was not until I received letters from the county that I was in default and notified Evergreen that they took care of the problem. 

Secondly, in XXXX of XXXX I received notice that there was a shortage in my escrow amount due to increased county taxes. It was noted that if I pay a lump sum XXXX {$270.00} XXXX, it would be added to Escrow and my monthly total mortgage increase would not be as much. This money was not initially allocated to escrow XXXX future interest payment I believe, but it was a while ago ) and it was not until I called them that the issue was resolved. The additional principal I paid that month was not as much as it should have been because they had not allocated the lump sum to escrow. Again, it was not until I called that this issue was resolved. 

Third, in XXXX of XXXX I received another letter telling me that there was another escrow shortage due to increased taxes. The letter states, " If you choose to pay your escrow shortage of {$300.00} in full, your new loan payment amount will be {$1400.00} '' I called Evergreen on the phone and was told that they did not accurately calculate the escrow shortage in XXXX and that is why I was being charged again. As a first time homebuyer this was aggravating for financial reasons. I payed the full amount of {$300.00}. At this time, I spoke with a supervisor at the call center and notified them of their continued mistakes. 

Fourth, I just received a copy of my most recent statement ( XXXX/XXXX/XXXX ) and it shows that {$300.00} was applied to escrow, but that my total monthly payment due is {$1400.00}, not {$1400.00}. They did not re-calculate my payments to account for my lump sum escrow shortage payment ... .for the second time. I have recently been paying {$1400.00} per month to get ahead on my loan, and instead of having {$48.00} paid as additional principal, they are only showing {$23.00}. 

I will be calling them tomorrow but I think the number of mistakes shows either gross negligence of their accounting department, or a scheme to gather extra money without customers noticing. It is aggravating and disheartening to have to deal with this company 's mistakes every time there is a change to my mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: THE BUREAU TRANSUNION. WILL NOT PROVIDE A REPORT THE DOCUMENTS HAVE BEEN SENT 2-3TIMES THEY REFUSE TO SEND A REPORT.THAT VERIFY IDENITY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NRA Group, LLC (NY).
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 sent XXXX copy of my account statement from NYS department of social services after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The NYS department of social services paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay NYS social services. XXXX XXXX sent me and XXXX a copy of a computer print out with no record of the payment from NYS Department of social services and it was not itemized, as I requested. XXXX has not responded to my request to correct this and remove from my report. XXXX took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from NYS department of social services they did not respond and stated to CFPB that there was an unauthorized third party, yet this remains on my XXXX   and XXXX reports. XXXX has consumer disputes and XXXX does not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Debt collection (Medical) with Integrity Solution Services, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have no knowledge of said debt and I would like it removed as it 's reporting to the XXXX ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my credit profile as it 's reporting negative to all XXXX major Credit Bureaus and negatively affecting me.

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 04-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not sure where it came from. A debt collection company is claiming I owe {$190.00} from XXXX. I have not dealt with XXXX in 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ERC  ( debt collection company ) claims to have an account from   XXXX   XXXX   XXXX   to collect {$30.00} owed. I have been receiv ing notices for about a year now and call   XXXX   XXXX   XXXX   every time. We have never owed them and   XXXX   XXXX   XXXX   continuously advises me we owe nothing, this is a known scam to them and to ignore the debt collection company. The debt collection company has been notified every time they call and they refuse to stop sending mail and calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Payday loan () with SFS, Inc (AL).
Issue: Payment to acct not credited

Complaint: I am trying to pay one click cash their pays I agreed to pay monthly and I 'm having problems with them accepting it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent a letter to Clarity Services Inc after reviewing my credit report and seeing an inquiry done by the company. I asked that the inquiry be removed from my credit file because I did not authorize it. Clarity Service Inc responded to me by stating that can not investigate my claim until they receive appropriate of my identity. Clarity Services Inc is asking me to send them a copy of my driver 's license, social security number and date of birth. I do not feel comfortable sending them my personal information as I have no dealings with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loan is reporting late payments for XXXX and XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: I was told that I would not be moved to foreclosure by my assigned customer service rep, numerous times if I fell no more than 3 payments behind. I have not. I was consistently making payments and had been for nearly a year.
1. I am requesting copies of all recorded calls for the last 12 months.
2. Verification of all transactions since XX/XX/XXXX.
3. Payment records.
Bank of America refused to take a phone payment from me on Wednesday XX/XX/XXXX. They then told me that I 've been moved to foreclosure status. I took time off work and drove to the branch and made a payment on my loan in person. They accepted my check, cashed it and then when I spoke to the customer service again the following week, they told me that I was still in foreclosure status and that I would be refunded the money that I had paid them and that they would not accept any more payments on my account. 
I insist to be reinstated and be allowed to make web/ phn payments. 
I also am requesting forbearance and loan modification under HARP and Hamp and any other loss mitigation

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 05/24/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX and XXXX XXXX XXXX reported individual credit card debts on my credit report for seven years. In 2014, they sold each of my accounts to LVNV Funding , LLC and they began reporting on this debt. Is this allowable. I read that a debt has a life expectancy of XXXX years, however this debt has been reported on my report for nearly 10. Furthermore, I 've disputed the debts individually through the credit reporting agencies and I never receive any correspondence, yet the debt remains. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Other transaction issues

Complaint: I made a transfer from my Bank of America checking account to my XXXX savings account using online banking ( bill pay ) as I have done for years. The {$3000.00} was deposited in my XXXX account and then they took it out charged a fee and sent a check to me marked " refer to maker '' on it. I took that to a Bank of America branch and they deposited it into my BofA account. Then a few days later it was taken out of my Bof A account again with a " refer to maker '' error. I again went to Bof XXXX to get information and they put in a request for research. I then had a rep from XXXX contact me and state that they are doing a treasury trace but that XXXX presented the check to the treasury 4 times and that they still had the {$3000.00}. XXXX has been attempting to contact XXXX to get them to research it to no avail as they state the money is with Bank of America. This has been going on since XXXX and I feel that I have been defrauded out of XXXX since neither bank is blaming the other and no one can seem to get my {$3000.00} back into either account.

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 02-08-2018 about Debt collection (Other debt) with Dorough & Dorough, LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: The debt was being paid thru chapter XXXX bankruptcy. When we were dismissed from the bankruptcy, the HOA turned the debt over to a law firm. A judgment was entered for the debt. I contacted the attorney ( XX/XX/18 ) to dispute the amount that they said that we owed. I was informed by the attorney that she would speak to the HOA board and call me back. I never received any call back from the attorney. We were not provided with validation of the amount. Approximately 21/2 weeks later I discovered that both myself and my husband had been garnished at the same time without notice. This created extreme financial hardship because we were left with XXXX dollars in our bank accounts. I contacted the law firm and the paralegal denied that anyone had ever spoken to me even though I informed her of my telephone record ( the date and length of the call, 13 minutes and 7 sec ). The paralegal stated that they did not have my new address or any notation in the computer regarding me disputing the amount owed ( it was given to the attorney during the telephone call on XX/XX/18 ). She also informed me that both husband and wife are garnished at the same time so that they " can collect the max amount quickly for their clients '' and that they didn't care that all income was deleted and left a family in distress. Unfair practice used to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: XXXX card wo n't dissolve new card account. I closed account and received new card and did not authorize it and it is getting used by someone. 'I did not want it used. I ca n't make them understand to not use this account. 
I 'm also having problems with my other c/cards. My fraud people will go and change my passwords or pretend to be me and authorize my changes when I want to place a hold or try to cancel. 
There has to be a better system in place to keep my accounts safe when someone finds your ss #. I need help.

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