milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Debt collection (I do not know) with ERC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Good evening, On XX/XX/XXXX I received my credit report and became alarm at two collection activities on my credit reports. One of the collection activities was opened on XX/XX/XXXX in the amount of {$600.00}. The second collection activity was opened in XX/XX/XXXX in the amount of {$160.00}. I called to inquire about the debt and to find out who the original creditor is. I was told I had to identify myself by giving my ssn to the representative on the phone. I refuse to give my ssn and asked if I could speak to a manager as I wanted to ask questions about the alleged debt but the rep hung up on me. I have investigated and learned the collection company is Enhanced Recovery Corporation and are not license to collect in the state of Tennessee. I have written letters to stop further collection activities and phone calls but contacted today at XXXX XXXX. This company is practicing illegally in the stated of Tennessee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We are attempting short sale for loan # XXXX. Ocwen has been uncooperative. I have been advised that the account is currently with XXXX XXXX and was provided a phone number of XXXX, ext. XXXX. This is not a working extension. I have attempted to use the dial by name directory and there is no one with the name XXXX XXXX in the directory. I contact Ocwen customer service ( XXXX ), twice I spoke with Representative ID # XXXX ( XXXX? ), the first time he transferred me to the short sale department, I hit " XXXX '' to speak with the operator and the call immediately disconnected. The second time ( both occurrences on XXXX/XXXX/16 ) I was placed on hold for 15 minutes, then transferred to a line that rang for 10 minutes, then disconnected. We will be contacting an attorney to assist further as this level of non-communication is completely unacceptable.

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. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my XXXX Equifax and XXXX reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX  Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXXDate Inquiry Date XXXX XXXX   XXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX -Inquiry XXXX XXXX  XXXX, CA XXXX ( XXXX XXXX XXXX Name of Company - XXXX XXXX XXXX  -Date Added-XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX   Date Added- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry DateXXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Name of Company XXXX XXXX XXXXXXXX XXXX Inquiry Date- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX- Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XXXX XXXX -Inquiry Added Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX, XXXX Date of Inquiry XXXX/XXXX/XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Trouble during payment process

Complaint: I currently have a mortgage with Bank of America. The mortgage was opened in XXXX XXXX for {$110000.00}. In XXXX XXXX Bank of America Sent me a bill saying my mortgage was short paid {$5400.00} and they would like to Modification if I did not have the {$5400.00}. They did not explain why I was {$5400.00} short paid although I did not miss a payment or was I late. Not knowing any better And not having {$5400.00} I allowed them to modification. Between XXXX XXXX and XXXX XXXX I gave them an additional {$15000.00} in cash via certified check to void for foreclosures. In XXXX XXXX I gave them {$5400.00} in XXXX they modify my loan by the same amount I then gave them the amount of {$10000.00} in XXXX XXXX to avoid foreclosure although I have been making payments all along In addition my mortgage payments rose from the original {$1000.00} to a high of XXXX During this period. I have been paying the mortgage for 14 years and now I am more than I borrowed I have had no late payments in the last XXXX. I have XXXX different loan numbers the original loan number into XXXX and they changed the loan number into XXXX XXXX when all the trouble seem to start. I have called repeatedly and asked for all the correspondence pertaining to my loan. They reported to the credit bureau having me late for almost 6 months for an entire year in XXXX. I have asked for forensic accounting from Bank of America in writing in XXXX of this year. I have received nothing. I have emailed the head of home loans at the corporate office nothing. I feel that the modifications crisscrossed with the amount of money they required me to send but the modification still were put on the back of my loan I have give them over {$25000.00} to make my loan current over the XXXX XXXX years but yet I still have modifications XXXX XXXX time XXXX another and almost XXXX another please 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
Consumer complaint received 10/21/2017 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: Investigation took more than 30 days

Complaint: Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX-XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (WA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I purchased a car in XXXX. I received a loan from an outside company that was obtained through the dealership. I never received any information from them nor a contact for them. I never received any mail with any billing information. Car was repo 's yesterday due to non payment and the guy who took it was nice enough to give me the name of the company that asked him to repossess. I XXXX and emailed an entity which I believe is them and they responded stating due to Hipaa they can not tell me anything ( even if they are the company ) and im supposed to call during their business hours which are XXXX eastern time. I work full time in a callcenter and is going to be about impossible to reach them via phone without taking time off. I was in the middle of moving when car was purchased but the mailing address ( po box ) never changed and I had mail forwarded at old address so even if they sent to that one I should of received some sort of billing. And if the dealer opted me into paperless I would of received some sort of email. Horrible customer service, can not pay if I dont know who /how to pay.

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 11/14/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: In brief I believe that I have been a victim of predatory lending practices, relative to my mortgage loan and attempts to refinance my mortgage loan so that I can keep my house, by the following : Bank of America XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX 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 explanation
Consumer complaint received 08/30/2016 about Mortgage (VA mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I had hail damage to my home of over $ XXXXXXXX. The insurance company issued me a check with Ditech Mortgage ( lienholder ) also on the check. Ditech Mortgage stated I had to send them the insurance claim, endorsed check and copy of contract for work to be completed. I sent all of these items along with breakdown and invoices of items I paid for already out of my pocket. I sent the package out and waited. I called after one week and was told they were still working on the file. I received a check today for $ XXXX ( this is what they call half of the {$20000.00} check I sent them. They did not send me the reimbursement for the {$4300.00} that I have spent out of pocket to replace all of my windows ( which were broken and damaged ). They are telling me they will not release until I provide proof windows were replaced. I sent the paid in full receipt for not only the windows but the installation invoice. I sent them pictures yesterday. I called today and was told they will not send any more money until all the work is done. I have holes in my roof and we have had several torrential rains since the hail storm. I need my money to be released so I can get the rest of the work completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Mortgage (FHA mortgage) with Global American Title Agency, Inc. (TX).
Issue: Settlement process and costs

Complaint: I closed on a Mortgage in XXXX of 2015. 
I had questions/concerns about charges on the HUD1 but I was told that a particular charge was a CREDIT to me and NOT a charge. 

After closing I discovered that the closing agent lied to me and yes these were charges instead of a credit to me. I was overcharged and this also caused my mortgage payments to be higher and long term paying more interest on the loan. 
This will also be reported OCC and Dept. of Justice as this may be a common practice by this company. 

I was cheated and I suspect many other consumers were as well Please see the certified letter that I sent to the company WITH NO REPLY and in the phone call months before I sent the letter the same lie was told to me Please see a copy of the letter that I sent to Global American Title and a copy of the HUD1 Settlement Statement that was given to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing/Cancelling account

Complaint: capital one closed my acct, and then sent me an offer to come back. I accepted the offer and was sent a card. upon trying to activate the card i was transfered me to a rep who told me the acct was closed. Captial one is not honoring the new acct they begged me to come back to.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: As you can see from the previous 8 complaints I have placed with your company. Lexisnexis keeps saying they verified as correct information In complaints 1 through 6th they had verified me with an address that does not even exist XXXX XXXX XXXX XXXX XXXX NY did they pull that out of thin air? Now they are saying and more complaints would be deemed frivolous, I mean give me a break it took them six times to correct an address on my report as verified proof. They should be called false and misleading information. Now as far as XXXX XXXX XXXX XXXX is this going to take another 6 complaints before they do there job? Here is there response for not doing there job now 8 times.
Please be advised that we have received six previous complaints on behalf of XXXX XXXX disputing the same claim on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively that XXXX XXXX was the vehicle operator and the policyholder at the time the claim was filed. Please note that further complaints from XXXX XXXX regarding this claim will be closed back to the CFPB as frivolous, as XXXX XXXX has provided no new information or documentation that could substantiate his. I did n't submit proof the other 6 times other than looking on XXXX to fin XXXX XXXX XXXX did not exist as they claimed as verified proof. Now the only proof I have for XXXX XXXX XXXX XXXX is the home was owned by a XXXX and XXXX XXXX. I do not know these people. Again I want to stress I have never lived at XXXX XXXX XXXX XXXX This is the Ninth compliant lets see how long this takes

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, I entered into an agreement for a FHA loan to purchase XXXX XXXX, XXXX, OH XXXX. My monthly payments were suppose to be {$420.00} per month but were raised to {$790.00} per month. I paid this amount for approximately 43 months when my employer downsized. In XX/XX/XXXX, Fifth Third Bank began foreclosure against me without following the regulation at XXXX CFR XXXX. While I can not make the {$790.00} payment, I 've tried in vain to include XXXX XXXX income as a part of my household and restart the mortgage. Fifth Third has refused to help me.

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. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted the XXXX  onXX/XX/XXXX and on the XXXX   or theXX/XX/XXXXto dispute incorrect information on my account.  I received a letter from them that was dated on the XX/XX/XXXX after an agent said he would look into the issue. The letter stated that the information that they reported to my credit report was correct although none of my loans were 60 days late. I then contacted XXXX  twice after, and to no avail.  I was making payments every week, so the loan never had to time to be 60 days delinquent as it was paid before the next month.  Might I add, you can see a copy of my payment information on the XXXX  website.Also, this was never reported on my credit during the months in question, nor was this information reported in the months immediately followingXX/XX/XXXX  I received information in the month ofXX/XX/XXXX, that this was and had been reported to the credit bureaus that month. Also, a letter will be sent on XX/XX/XXXX that contains this information.

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 01-08-2018 about Debt collection (I do not know) with United Collection Bureau, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received calls from XXXX multiple times in the past week. Voicemail indicated that they were trying to collect a debt but did not say my name, what the debt was for, who they were collecting the debt on behalf of, or the amount owed. Search for phone number XXXX indicated that others had the same issue. The phone number they told me to call back was XXXX, which also generated a negative search. 

I want the calls to stop and the scam put to a halt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Ability Recovery Services has violated FDCPA by reporting a debt they could not validate to credit bureau 's. Ability Recovery Services is using a false instrument to collect a debt that does not contain my signature. I would also like to point out that the instrument they use is also a contract of an agreed XXXX months which I have already have submitted proof of payments. They have also reported to XXXX " Status as of XX/XX/XXXX - Unpaid : Date of 1st Delinquency XX/XX/XXXX ''. I have enclosed 'FACT ' information to their 'Delinquency claim of XX/XX/XXXX ' that it was paid the month prior and after XX/XX/XXXX. 

Since I 've contacted Ability Recovery Services of their shady practice of submitting a false instrument to collect a debt they have ceased contact with me but the information still remains on my credit report. 

I 'm submitting FACTS:1. A contract that does not contain my hand writing signature2. Proof that I paid for services of the two months in the contract they submitted. 
3. XXXX Report containing delinquency they reported as of XX/XX/XXXX, along with my proof of on time payments of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IN).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: ACCOUNT DETAILS Account Name SYNCB/LOWES Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XXXX XXXX, XXXX Account Status Closed Payment Status Charge-off Status Updated XXXX XXXX, XXXX Balance {$17000.00} Balance Updated XXXX XXXX, XXXX my social is XXXX im 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 explanation
Consumer complaint received 08-08-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: An unknown person cashed what appeared to be a counter check for {$6000.00} on my bank account with Suntrust in XXXX Florida on XXXX XXXX, 2016. I submitted a fraud claim on XXXX XXXX, and it has not been resolved as of yet when they told me it would be a 14 day period to resolve.

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 11-03-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I need assistance getting a foreclosure sale that is scheduled on XXXX/XXXX/15 postponed. I am behind in my mortgage payments and have reached out to my mortgage company for help. They told me to send in all the application paperwork so I can be considered for a loan modification which I have already sent in. Now they are telling me it is too close to the sale date to do anything, 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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: amount {$1000.00} I have never done business with XXXX XXXX XXXX. I do not have a signed contract with XXXX XXXX XXXX. I have the right to demand to see a signed contract between XXXX XXXX XXXX and myself

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problems when you are unable to pay

Complaint: I became permanently XXXX XX/XX/XXXX. I am XXXX % service connected veteran and also on XXXX, I was forced in to bankruptcy. During the bankruptcy I signed an affirmation agreement on my XX/XX/XXXX XXXX and paid the balance in full. USAA has the credit report showing a charge off after a XXXX day late XX/XX/XXXX. First off a financial institution does not charge off anything for XXXX days, a XXXX day late is not a charge off. The payment was not even XXXX days late, due to the bankruptcy and reaffirmation agreement there was a mix up with the bank I believe. This loan was paid in full prior to payoff date even.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation