milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was a victim of the 2017 Equifax data breach. I went onto the equifax website www.equifaxsecurity2017.com and it was confirmed that my information was involved in the data breach and I may have been compromised receiving the message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I understand that data security is a tricky and constant battle, but more needed to be done to protect the identity of 143 million Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with Servis One, Inc. (IL).
Issue: Struggling to pay mortgage

Complaint: Currently, our home is in the final stages of foreclosure and our repeated attempts to modify our loan have been denied by XXXX and the investor that bought the loan from XXXX XXXX. We request your help in obtaining a modification of our mortgage. 

The beginning of XX/XX/XXXX my wife lost her job and our household was suddenly without an income as we were both unemployed. We were able to remain current with our mortgage for a couple of months and received temporary relief from our current mortgagor, XXXX XXXX, under the HAMP program. Our mortgage was dramatically reduced for a period of 6 months to provided time to find another job. At the end of the six months the difference between the reduced payments and the full payment as instantly due. Since neither of us had a job yet, a modification was not feasible and shortly thereafter XXXX filed a foreclosure action. 
In XX/XX/XXXX XXXX sold the loan to XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX. The loan was serviced by XXXX XXXX. 

In XX/XX/XXXX we filed for a loan modification and was denied because our loan to value at 21.35 % was too low. It is true that the loan to value for the XXXX loan is only 21.35 % but the overall loan to value of the combined first ( XXXX ) and second ( XXXX XXXX ) mortgages is much higher. 

The principal, interest and real-estate taxes and fees due XXXX currently amount to {$170000.00} and the amount due the XXXX is currently {$460000.00}. The total due of {$630000.00} is 112.5 % of the appraised value of {$560000.00}. The existence of the XXXX loan makes it impossible for us to refinance the first with any lender because of a combination of loan to value and a low credit score.  XXXX refuses to take into account the second loan in determining loan to value of the property. 

In XX/XX/XXXX my wife obtained a job that pays {$170000.00} per year plus a 30 % bonus. This income alone can service both loans if we were able to modify both loans. XXXX XXXX has indicated that they are willing to modify but that we need to get the first modified first. 

We are looking for any help we can get to get XXXX to modify our loan so we can stay in our home of 24 years and get back in track financially.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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: On XXXX XXXX, XXXX, I had been approved by XXXX XXXX to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my credit score and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my credit score in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 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: Information belongs to someone else

Complaint: My child is a minor and has a credit report. My personal information has been wrongfully added to his credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Scheer, Green & Burke L.P.A. (KY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Called about a debt with a cable company in XXXX, OH. The debt is apparently from a cancellation fee due to the fact that I moved out of the service area. I never signed or agreed to any such fee. When I called back, representative did not verify any information on myself and threatened to garnish wages, send to a lawyer and other actions.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was checking my credit on XXXX XXXX and I saw that a company called Debt Recovery Solutions is trying to collect a debt that was already paid to this medical company 3 years ago. The company I paid my debt to was XXXX XXXX in Virginia. Their phone number is XXXX XXXX XXXX. This has impacted my credit and caused financial burden. This company has done nothing but cause me stress and financial strain. The debt was paid to XXXX XXXX Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE A MORTGAGE LOAN WITH CHASE BANK AND WENT OFF TO THE WAR IN 2004 FOR 3 YEARS THEY WERE SUPPOSE TO LOWER MY MORTGAGE TO 6 % STATED BY LAW AND DID NOT DO SO. THEY KEEP IT AT 10.12500 %

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report.
Under the new law effective XXXX XXXX 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have three ( 3 ) issues. Number one ( 1 ) and two ( 2 ) need to be address. Number three ( 3 ) is a violation of the FDCPA and a complaint has already been sent through the FTC. Number ( 3 ) has been included to provide a complete picture of that is going on. 

( 1 ) I am attempting to have my Personal Mortgage Insurance ( PMI ) removed. Currently my account 100 % complies with XXXX the lenders requirements and my closing documents requirements for removal of PMI. I strictly followed the steps that are outlined in my closing documents. These steps are identical to the ones listed on Roundpoints website, which ask for the request to be email to XXXXXXXXXXXX. 

My servicer ( Roundpoint ) followed up with a Roundpoint " PMI Removal Form '' that is not tailored to the requirements of my lender. There form would put additional limitation on my account and states I am not eligible for PMI removal. I have sent multiple emails informing Roundpoint that I can not sign any document that may alter my current loan, be seen as an addendum, or that does not comply with the lenders requirements. Rounpoint refuses to continue the PMI removal process unitl I fill out there form. I informed Rountpoint that there standard form is not a requirement of the lender nor is its completion listed as a required step in my closing documents. 

( 2 ) The servicer ( Roundpoint ) states I have to pay $ XXXX {$600.00} for an appraisal. Since my email string ( attached ) the servicer has agreed to let me review the invoice and confirm the appraisal has not been " marked up ''. Though this is still higher than normal. I am worried Roundpoint is getting a kickback that may be masking any markup. I informed my servicer that the lender ( XXXX ) allows for a BPO to confirm property value and would be substantial cheaper. Roundpoint keeps saying an appraisal is " required by the lender ''. I sent Roundpoint a link ( shown below ). That indicates an appraisal is not " required ''. I have sent multiple email trying to have a discussion on this but Roundpoint refuses to address my concerns directly. 

XXXX : XXXX -Reference " Borrower-Initiated Termination of Conventional Mortgage Insurance Based on Current Property Value '' subsection XXXX. 

( 3 ) The servicer ( Roundpoint ) attempted to contact me. A representative called me and immediately asked for my address and last XXXX of social. I informed him that I would not provide that information to some random " XXXX '' that calls me. I stated, " I need confirmation that you are actually from Roundpoint. '' He refused to provide any information and stated that my refusal would be, '' notated on my account ''. I never confirmed I was the borrower and the servicer still added notations on my account based on the conversation. I have submitted a complaint with the FTC in regards to this FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: The collection accounts were placed on my credit report by the collection agency after I filed chapter XXXX bankruptcy which was in XX/XX/XXXX. XXXX has removed all collection accounts from my record which include the XXXX listed below. Equifax refuses to remove them. 

The Results Of Our ReinvestigationCollection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) XXXX We have researched the collection account. Account # XXXX The results are : This creditor hasverified to OUR company that the balance is being reported correctly. If you have additional questions about this itemplease contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Medical/Health Care ; XXXX ; Amount {$170.00} ; Status as XXXX In Bankruptcy ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$0.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Address : XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXXCollection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) XXXX We have researched the collection account. Account # XXXX The results are : This creditor has verified to OUR company that the balance is beingreported correctly. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Medical/Health Care ; XXXX XXXX XXXX XXXX ; Amount {$93.00} ; Status as XXXX In Bankruptcy ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$0.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Address : XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call from XXXX XXXX with XXXX XXXX. He and his staff have used abusive collection tactics on a debt that is over XXXX XXXX XXXX. I have been threatened about a legal document, being sued, garnishing my wages and placing a lien on my XXXX XXXX or auto. Sued without any notification, calling my job and telling them its an attempt to collect a debt. This is the 3rd and final attempt and they will seek legal action, telling a family member to tell me to put my big girl XXXX on. Calls from XXXX XXXX, XXXX XXXX leaving voice mail messages stating the same thing. HR department forwarding messages of XXXX XXXX calling stating personal stuff about my business. XXXX, employee in the legal department telling me that she will take all of my paychecks, that I do n't pay my bills and let 's see how I like it when they take my paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I went to a school who preyed on their students and my legal information was illegally changed without my consent. I have been receiving calls by an unknown company that says I was going to a school that may have violated the law. When I called them back they hang up on me or do n't answer the call. 
XXXX phone number to the unknown company who asked me to call them because my school violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I obtained a payday loan in XXXX from Speedy Cash. My checking account was closed in XX/XX/XXXXdue to someone committing fraud on it. As a result Speedy Cash was unable to collect the debt. A few years went on and I got a call from Speedy Cash as well as XXXX XXXX XXXX XXXX. In XXXX I wanted to pay this old debt so I began communicating with both companies. A representative with XXXX XXXX as well as Speedy Cash promised to delete the collection from my account if I paid the debt IN FULL. In early XX/XX/XXXX I paid the account in full at {$310.00}. The debt reflects a XXXX  balance. What Im upset about is that I have called Speedy Cash 13 times to discuss the removal that was promised. I called XXXX XXXX 12 Times requesting that they hold their end of the bargain. They deny promising to delete the account and they told me that they will pull up a recording of the conversation to prove that they did not promise me to remove the account. I havent heard back from them. I would have not paid this account if I was not promised this Paid to Delete. Me paying no the {$310.00} didnt do anything to my credit score. Im happy its paid but Im very u happy with their collection practices. Please help. I can be reached at. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (OR).
Issue: Closing on a mortgage

Complaint: We sold our house financed with XXXX. We turned ownership to the new owner XX/XX/XXXX. My first call to XXXX was on the XX/XX/XXXX. I inquired as to {$2500.00} escrow money that was to be released back to us. They told me that it would be up to 14 days. I called the 2nd time on the XX/XX/XXXX which allowed 17 days. I asked the individual handling my account to put a stop payment on the 1st checkand to Expedite the check. He assured me that he would expedite the check and assured me that I would have the check in 5 days. 
XX/XX/XXXX I called for the third time and demanded that the money be directly deposited into our bank account. The customer service manager acknowledged receiving all pertinent information needed to direct deposit the money into our account. She very clearly told me that she would call me when the individual responsible for wiring the money was done wiring it. I provided all the information by XXXX XXXX   Pacific Time. She indicated that it needed to be there prior to XXXX XXXX Pacific Time. 
I have received no call, nor has the money gone into my account. 
I have been lied to, and as far as I can tell they are refusing to release the funds to us. Their deceptive practices are illegal and are completely hinging on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: #NAME?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2015 about Money transfers (Domestic (US) money transfer) with BARCLAYS BANK DELAWARE (NY).
Issue: Other transaction issues

Complaint: I added Barclay 's Bank as an external account to my XXXX Checking Account. I set-up a transfer on XXXX to be delivered on XXXX of {$1000.00} from XXXX to Barclays. On XXXX I called XXXX because I realized Barclays would reject the transfer. The person I spoke to attempted to REVERSE the transfer and somehow deleted Barclays as a transfer option on my XXXX account. On XXXX it appears the {$1000.00} transfer was rejected and returned to XXXX AS EXPECTED. However on XXXX a transfer was made of {$1000.00} - it appears XXXX was trying to pull {$1000.00} from my Barclays account. This {$1000.00} is missing. I have been working with Barclays and XXXX since XXXX and both keep pointing fingers at the other and claiming it is not THEIR problem. I went into a XXXX branch, hoping to get some help, but basically the person I spoke with called the XXXX # and after wasting a lot of time, received the same response I received from XXXX 's XXXX # - which is we do n't know what you are talking about we do n't see the transaction. I 've asked Barclays for reference numbers but they keep giving me XXXX ach tracking number - which coincides with the ACH transaction number XXXX has used to account for the REJECTION of the funds but Barclays claims that is the only tracking number they have. The ACH number Barclays refers to is supposed to be for the TRANSFER but XXXX calls it a return and Barclays says they have no record for the RETURN/REJECTION of funds - just this transfer ACH - which again XXXX calls the rejection number. However my account at Barclays is missing {$1000.00} and in almost a months time neither bank seems to care or take any responsibility for this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I got statment in mail a month a go from paypal credit which I never opened. There was a transaction amount {$840.00} from XXXX XXXX XXXX on XXXX/XXXX/2017. I made a several call to paypal that I never opend a credit card with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian has a loan showing on my credit file that is wrong. It has late payments showing. 

XXXXXXXX XXXX XXXX XXXX this account was in deferment the whole time. I see when I wrote in back in XXXX 2017 saying it was updated but nothing was change that 's why I 'm filing the CFPB because Experian has not done nothing on my credit report. There is no late payments when a student loan is in Deferment

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 06-01-2016 about Debt collection (I do not know) with ERC (MD).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I 'm complaining because I got a recorded call ( not a call from a real person ). The recording identified the company as ERC. The phone number of the incoming call was XXXX. The recording instructed me to call them and gave me a reference number of XXXX. I 'm not going to call them. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Taking out the loan or lease

Complaint: I received my annual credit report from XXXX. It has a credit inquiry from Chase Auto XXXX/XXXX/XXXX. I have not applied for any new credit from Chase since getting a vehicle financed through them in XX/XX/XXXX. It counted as a hard inquire. The inquire has cause damage to my credit score. I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (I do not know) with Ability Recovery Services, LLC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I never told u to process me in I cancel before the time limit was up to cancel!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling 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 these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation