milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: As a result of a loss of job, we were trying to obtain a loan modification. Chase continued to deny our request. When we thought they had given us a modification, it was only a hidden second, but it only modified the loan by {$170.00}, which did not help us. We decided to try and keep the home and pay the mortgage and we recently filed for chapter XXXX and we now have to pay a trustee $ XXXX monthly, which includes mortgage payments in the arrears. We continued to struggle paying the high mortgage, even though the loan is upside down ; we owe more than the house is worth ( house is in need of major repairs that we can not afford to fix due to high loan and no equity in house ). Additionally, the house was appraised at a lower price than what the existing loan was. We are both retired and receive monthly pensions and can not afford the mortgage and paying the trustee. We were hoping that Chase would lower our mortgage payment but once again we were denied. They are unwilling to help save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (I do not know) with CMRE Financial Services, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls from CA. I researched and found out it is CMRE financial services. They are a THIRD PARTY debt collector. They need to have proof of debt. Until they can provide proof of ORIGINAL debt I will not speak with them. From now on, they have to provide everything in writing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
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 have been disputing a missed payment that XXXX XXXX reported XX/XX/. I sent proof of payment to experian verifying that the payment was not missed and they notified me that XXXX XXXX  assured them that the information was correct. I'm upset because this missed payment is negatively effecting my life. I sent in proof of payment and still got no results. What more proof can i send?. If the credit bureaus attempted to ask for payment history from the company then this wouldn't be happening to me. They concluded their last investigation XX/XX/. I have disputed this late payment four times. This is unacceptable. If a consumer sends proof of payment then that should be sufficient. I also disputed the missed payment with XXXX and XXXX  with she same incorrect information not removed.

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 10/31/2015 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Account opening, closing, or management

Complaint: I have been a client of First Merit Bank for several years. I complained to employee XXXX XXXX XXXX the morning of Saturday, XXXX XXXX, 2015 about the " lousy service '' and requested that the branch manager ( not in ) contact me. XXXX 's response was to lean forward, make an ugly face and threaten me physically by " escorting '' me out because he did not want his customers to hear anyone complaining. In disgust, I left.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: COLLECTOR FAILED TO CEASE AND DESIST DEALING WITH THIS FRAUDULENT ACCOUNT WITH XXXX DIRECTLY. REMOVE ALL INVALID CREDIT REPORTING FOR ALL XXXX ACCOUNTS. ON XXXX/XXXX/2016 COMPLIANT XXXX WHERE I ASK FOR VALIDATION AND CEASE AND DESIST, BECAUSE I AM DEALING WITH THE CREDITOR DIRECTLY. THE CREDITOR NEVER SENT FRAUD COMPLIANT FORMS AS REQUESTED 3 TIMES IN VIOALTION OF FTC.

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 10/18/2017 about Debt collection (Medical debt) with Revenue Assistance Corporation dba Revenue Group (WV).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: There is a debt on my credit bureaus from Revenue Group. XXXX {$3700.00} ) First I disputed the debt in which I was notified they would notify me once their investigation was complete, I have yet to hear from them. I asked for full verification not just to confirm my address. I want proof this debt is mine with verification of my signature stating I agree to pay this debt, any insurance payments or denials regarding this debt and verification where I authorized the original creditor to release my information to a third party. Revenue Group has called my place of employment on several occasions and they have been told not to contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I had a judgment on my account from XXXX XXXX XXXX that was removed because of the insufficient identifying information that is required for the account to be reported on my credit report per the new law change effective XXXX XXXX, 2017. They had this judgment twice on my credit report. As a judgment AND an account ( in which it was only a judgment ). This judgment that is currently being reported improperly needs to be removed immediately off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a Home Affordable Modification Program ( HAMP ) loan with my loan holder, Wells Fargo. I was informed after submitting my documentation that the process would take thirty days ( 30 ). It took over sixty. I had XXXX conversations with the underwriter and despite these conversations and supporting documents, my income was significantly understated by Wells Fargo and my debts were overstated ; my {$50.00} annual HOA fee was increased to {$97.00} monthly and I had multiple points of contact. As a result I was told I did not qualify and I was not eligible for HAMP1 or 2 Step loan or 40 year term. The process is not transparent and no alternatives were offered.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 have several accounts with XXXX XXXX XXXX and had a couple late payments reporting for them because my wife had XXXX XXXX XXXX when she was XXXX XXXX XXXX ... I disputed the late payments and now they just changed them and ADDED a new 60 day late on all my accounts when in fact I was not late! How can they just add NEW late payments now. How can the credit bureaus even allow the response to show valid and now have new late payments reporting? 
This is a clear violation of the FCRA

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 11/18/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX XXXX ( client ) was approved for a trial modification with payments to be made XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of {$450.00}. Client made all payments XX/XX/XXXX of {$450.00} ( proof attached ), XX/XX/XXXX of {$460.00} ( proof attached ) XX/XX/XXXX of {$450.00} ( proof attached ). Client then continued to make payments on XX/XX/XXXX ( this payment was returned ) She then received a letter stating that she was in default of the trial plan. I ( Housing Counselor ) assisted her in filing several complaints and escalated the issue with no solution. We had to reapply for another modification and this resulted in the ( attached ) trial and final with a payment of {$1100.00} to be made in XXXX and an interest rate of 7.5 %. This new payment is not affordable nor should SLS be denying the client a modification through HAMP as she never failed the trial plan payments.

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 06/16/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX of XXXX XXXX billed for a medical procedure on my daughter. The billing statement is XXXX/XXXX/2015. I wrote aa check to pay the bill on XXXX/XXXX/2015. The Doctor 's office did not process the check ( through my bank ) until XXXX/XXXX/2015. On XXXX/XXXX/2015 I was contact via mail by Transworld Systems stating that they were attempting to collect a debt for the doctors office. On XXXX/XXXX/2015 I contacted the doctors office ( XXXX of XXXX XXXX ) they stated our account was out of debt collection and they mailed a statement which shows the debt was paid. I mailed all records to Transworld Systems on XXXX/XXXX/2015 showing the debt was paid. 

We received another letter dated XXXX/XXXX/2015 from Transworld Systems on another attempt to collect the debt that was not owed and has already been paid off. Transworld Systems says our account is not in collections, but they have sent letters still wanting us to pay them. They have also made attempts to get our phone number, I can only assume this would be used for further harrassement. 

I certainly do not recommend XXXX XXXX or XXXX XXXX with several locations in Texas as they held our payment, it seems intentionally, to put us into a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I had water damage. I filed a claim with my insurance company who issued a check to me and my mortgage company XXXX. I completed the required paperwork, endorsed the check and sent to XXXX. They promptly issued a check back to me. A couple weeks later i received another check from the insurance company. I filled out the paperwork, endorsed the check and forwarded to XXXX. The day before ( XX/XX/XXXX ) they were to issue the check {$2800.00} to me, my mortgage was sold to PHH # XXXX. I have made no less than 8 calls to PHH requesting that they issue to a check to me and they keep saying " we are waiting for corporate to decide when to release the funds ''. I have provided PHH with the document from the Insurance company regarding the Repair Estimate, completed and provided PHH 's Loss Draft documentation via fax, uploading into their website and US mail. I CAN NOT complete work on my home until these funds are received. I feel as if my money is being held hostage. I 'm living in a home that is in disarray as I can not complete the work without the funds. There is absolutely no reason why these funds should not be released to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Credit Corporation (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had 1 late payment with XXXX XXXX Bank XXXX years ago. My credit score is now a XXXX+. I have not had a late payment since with any institution and my credit score has done nothing but go up since this incident. They WILL NOT remove this derogatory mark on my credit score. This is the only thing holding me back from having perfect credit! I haven done nothing but prove to them that I have been in good credit standing with all institutions, yet they REFUSE to make a change on this. 

I worked with a company ( XXXX XXXX ) and paid them thousands of dollars to have this removed. Yet the company did a lot of good work for me, they were unsuccessful at accomplishing this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (MT).
Issue: Taking out the loan or lease

Complaint: There is some kind of discrimination going on here. I 'm pre-approved, sign loan documents, then for some reason I 'm informed that I 'm denied.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Payday loan () with CNG FINANCIAL CORPORATION (IA).
Issue: Can't stop charges to bank account

Complaint: The creditor stated there would be no further contact as stated from Case XXXX ; however, I received an email stating they tried taking money out of my account again. I have blocked the company from making charges but I 'm furious they are still wanting to take money out of my account. 
My bank is XXXX in XXXX, IA.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
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 am a victim of the equivalent credit breach. It is inexcusable this happened. It is inexcusable it took 6 weeks for this to be reported. It is inexcusable that this much data has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX , XXXX {$67.00} Student Loans that have duplicates XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$440.00}

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In the recent cyberattack against Equifax, my personal information including my SSN, DOB, addresses and drivers license was stolen. I received this message from Equifax : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I placed a 90 day initial fraud alert on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Medical) with PlusFour, Inc (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown item which I have disputed, requested validation and received nothing and this unknown item is still listed on my personal credit file which is unknown and I do not owe any medical debt. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I contacted Experian in XXXX about incorrect personal information on my report. There were several mistyped names and addresses. I never received a response back and upon looking at my current report they chose to pick and choose what they took off. Under the FCRA they must take off any information that is incorrect. I called and informed a rep that I have never lived at any of the below addresses listed and that the names I have never been known as or legally been. She informed me tough luck they report what they want and if it's a debt owed they won't remove it. Well, it's inaccurate information which tells me the credit bureau isn't actually validating debt and just putting whatever it wants on it. 

These are INACCURATE names and addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX XXXX XXXX XXXXl XXXX, nc XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed a very specific letter as per The Fair Debt Collection Practices Act demanding validation of this debt that I first became aware of when I saw my credit report. Midland ignored my letter even though I had it tracked and know they received it in XXXX 2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX continues to report a default from over 20 years ago. 
They need to remove this all together

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 08/21/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Im having issues with credit bureau reportingin accurate information on my credit file. fair credit reporting act XXXX isnt being honor through the credit bureau i ask for contract with signature, and documentation copy of social sercuity card and id that supposed to be on file with credit bureau i have n't received those documents i was told that they dont have these required documents in my file they have to get said documentation. from creditor which the law states that these documents should be in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On both my equifax and XXXX credit report XXXX has listed that my account balance is for my auto loan is {$31000.00}. That vehicle was sold and the loan paid. I am no longer responsible for that account and would like the status on my reports to reflect that

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Payday loan () with Enova International, Inc. (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I defaulted on a payment arrangement that I had made with CashNet USA in XXXX. I called maybe in late XXXX XXXX to make new payment arrangements. I was told that since I defaulted on the previous payment arrangement, I could not make a new payment arrangement, but that I could make payments on my own. I mailed in payments around XXXX XXXX, XXXX XXXX and XXXX XXXX of XXXX in the amount of {$50.00} each. On XXXX XXXX, XXXX, CashNet USA sent my account to collections. I would like to know why my account has been sent to collections if I was making payments. Also, in XXXX CashNet USA had made two withdrawals on the same day from my account without my permission and on a day that I had not authorized. I filed a claim with my bank to get the charges reversed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted many claims over the past six months regarding an account that appears on my credit history from XXXX XXXX showing a balance of $ 700+ owed. I have contacted them on numerous occasions ( transunion, XXXX, and now today, XXXX ) to explain that I had never opened another account with XXXX XXXX after an issue I had with them back in 2010 where they had charged me XXXX for multiple cash advances and charges made to the card. I never would go back to XXXX XXXX again, this account that shows up is not mine. Recently XXXX called me to explain that the gentleman who 's ACTUAL account it is resides nowhere near me, and his name is nowhere near mine. They immediately removed it off of my account, and removed the hard inquiries during that year period that showed up, that I never made. In fact both XXXX and Transunion were supposed to have a Fraud Hold in place, I 'm not sure how there could be any inquiry or card opened during that period without explicitly contacting me. Either way, after XXXX took care of the incorrect information I reached out to Transunion to do the same, they keep saying they have validated that the account is mine. I have explained to them multiple times that I was not even in the state at this point in time and could not have opened an account, let alone the fact that I was trying to rebuild my credit from the past problem with XXXX XXXX. I just reached out to XXXX as well and still have not received a reply. The information on the XXXX XXXX account has my wrong phone number, my old address, and the purchases were made in a state I was not in during that time. Please help me, I own XXXX businesses since the beginning of the year and the lingering bad credit is hurting my chances of expanding. Thank You!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off a house last year and have an overage paid into escrow and can not get Ocwen to send the overage back to me. I have faxed, e-mailed, many phone calls and sent a registered letter demanding payment it looks as though I may have to take them to court to get my money back.

Company response to consumer: Closed with explanation