milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (FL).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern, Statebridge argues that they did not receive the package for loan modification, and foreclose on our home on XXXX XXXX, XXXX. 
After filing a complaint with the Consumer Financial Protection Bureau, loan modification was reviewed and determined that based on our financial information provided {$4200.00} of our monthly income is 31 % debt to income ratio, did not meet the accordance guidelines. Our mortgage is a Conventional 8.5 % Fixed Rate approved in XXXX. Statebridge based their denial on accordance guidelines, under which criteria and interest rate? Our question is under what validity of terms of modification guidelines was used? XXXX, or Today 's Prime Interest Rate? Why were we disqualified? When in fact, the published conventional mortgage loan modification today is XXXX % -XXXX %. Is this a common practice to modify our XXXX loan modification application with what Prime Interest Term, XXXX? 
Since, the conventional fixed loan is being modified in XXXX the Rate must correlate within the appropriate time frame of the loan modification review process. Banks offer loan modification as an option for struggling homeowners by reducing the interest rate. According, to the Government Bailout, we are those homeowners that this exact program were designed for. The neglect that Statebridge has demonstrated resulted in our home foreclosed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have contacted Equifax and XXXX in regards to inaccurate information on my credit report. 
I have several inquires on both my reports that was not authourized by me they continue to verify these incorrect items on my reports as correct. 
I have dispute files on my reports with collection accounts asking to prove that the accounts belong to me and to send me validation of my signature as proof that these account belong to me they have not but continue to verify these accounts as correct. 
I have a account with equifax reporting a judgement for county clerk office reporting in correctly as well on my report I have submitted document to the bureau in regards to the county clerk not reporting to the bureau but they continue to verify information that they claim is correct

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was contacted with a debt collection agency called HRR & G their number XXXX at XXXX on XXXX XXXX 2015. They left an electronic voice message asking me to call them asap for a debt collection issue. I did after two minutes receiving the message. They told me that XXXX XXXX XXXX of XXXX has sent my account to collection on XXXX XXXX 2015. After seeing me at the emergency room at XXXX hospital in XXXX Arizona on XXXX XXXX 2015. This was the first time I received any communication XXXX XXXX XXXX XXXX either by phone or by mail. I told them that I never received any invoices from him, however, I did receive XXXX other invoices from the company that read the XXXX and the XXXX and the hospital I received their invoice on XXXX XXXX 2015 and I paid it XXXX XXXX XXXX 2015 at XXXX and it was the first time the hospital sent me an invoice. I did call the hospital after receiving an invoice from them after five months and five days and the hospital told me that the insurance just finalized the payment on XXXX XXXX 2015. I asked the collection agency to send me a copy of the invoice that they from XXXX XXXX XXXX. The problem I have is, the collection agency already sent my file to credit agencies, at least that 's what they are saying initial, then they retracted it. not sure what to believe. XXXX XXXX XXXX never sent a bill or made any calls to me. I received invoiced from XXXX other providers that saw me at the same hospital visits and I paid them all upon receipt. I believe XXXX XXXX XXXX violated fair debt collection act by sending me to collection without sending me an invoice or attempt to contact me and let me know that I have an invoice from him. Why other providers invoices were received and his invoice was not, his invoice a small fraction of the hospital invoice. I believe XXXX XXXX XXXX and his company XXXX are not doing a good job billing their patients resulting in issues like mine. I attempted to call XXXX XXXX XXXX and the office of consumer affair at XXXX several time today on XXXX XXXX and no one took my calls or took messages from me. I called their billing office after speaking with the telephone operator at XXXX and the billing office refuse to talk to me since my file has already been sent to collection on XXXX XXXX 2015. There 's no way that XXXX XXXX XXXX was able to send the claim to my insurance company from a XXXX XXXX 2015 visit and send me an invoice and a final notice before sending me to collection by XXXX XXXX 2015. This is a blunder on XXXX XXXX XXXX and I want him to correct it by sending me an invoice so I can pay him immediately. I wish he or anyone in his office returns my calls after many failed attempts to call him and his office, only an operator answers the phone and gives me other number to call and no one answers these lines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Receivable Management I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Receivable Management in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted the credit bureau by online dispute and paper dispute to let them know that my credit had been ran without my knowledge or permission and was asking for them to investigate and remove the inquiries off of my credit. I was told to if I felt like it was unauthorized to contact each company to dispute these actions. I did that with no response or action from the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is allowing an account that has been previously deleted be reinserted on my credit report. Account XXXX was paid and removed from my credit report in XX/XX/2015. Account had since then been reinserted as a collection account. Account is also past the statue of limitations in which it can report. Please remove account XXXX from my credit report immediately and do not allow account to be inserted again. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Good Afternoon, I have been  a MACYS cr edit card client, since   XXXX  . I have been sa tisfied with their services and consider them a good company. I have made several attempt to clear a late payment on my credit bureau reports, which is incorrect. Macys has been sending my correspondence to an undeliverable address, making any kind of attempts to further contact me, regarding my account. I have made several request to have this late payment reported in error, on all 3 major credit bureau reports. Macys has failed to comply with the Fair Credit Reporting Act, and has continuously promised to remove this blemish, not caused by me. I ask you please help me, in contacting MACYS regarding their unfair and devious tactics, that violate my rights as a consumer. They have a late payment In error and ask they please correct this matter and delete any and all negative items, the y have reported in error.      Thank you in advance, for all your assistance.

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 06/14/2017 about Debt collection (Payday loan debt) with Worldwide Processing Group, LLC (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX XXXX called from FMR or Forward Movement Recovery and left a message about location and tracing. If I did n't call back they would call all references. I called back XXXX ext XXXX. XXXX  stated the loan was taken out XX/XX/XXXX and listed XXXX XXXX. My XXXX XXXX account was closed in XX/XX/XXXX-XX/XX/XXXX. I asked if he could send me the original contract which he said no. I then asked him to tell me what the expiration date on my driver license was since he said he had a copy. Once again was told no. So I contacted XXXX XXXX XXXX at XXXX. They stated their systems go back to XX/XX/XXXX and could n't locate me in their system. So I called back FMR and stated that the original debtor does n't have me in their system. He said that they broke the law by telling me that which is odd since that 's who I owe the money to supposedly and that he was just a mediator. They hung up on me and refused to give me any info.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/2017 my wife and I identified six withdrawals from our Bank of America joint savings account totally over {$21000.00}. One of these withdrawals was listed as payment for an installment loan ( {$8000.00} ) and five of the withdrawals were apparently payments applied to a credit card at XXXX XXXX. Neither my wife nor I authorized these withdrawals. This account is not an account we use frequently -- we most often make deposits and occasionally make transfers to our checking account. The account number would be known to few individuals other than myself, my wife and personnel at Bank of America. We did not lose our bank debit cards, so the only possible access to the account was through electronic access, which would have required an ID and password. 

We immediately contacted the bank, which was unaware that the account had been accessed by an unauthorized individual. We closed the account and the bank " opened '' a new account into which to transfer the remaining funds in the compromised account. Subsequently, but not immediately, the $ 21,000+ was returned but placed in the wrong account, one that belongs to my wife and daughter rather than the new joint account. Subsequently we moved the funds to the correct account. The new account was set to have federal withholding tax withheld without our authorization. Information in the old account was no longer accessible to us. 

I have repeatedly asked for an explanation of how our account was accessed and by whom. I have also asked what steps the bank intends to take to assure that such unauthorized access will not occur again. To date, I have received no explanation regarding the unauthorized access nor any statement about how such access will be prevented in the future. Indeed, Bank of America has offered no information and insists the problem is at XXXX XXXX which received the transfer of the unauthorized funds. 

I appears to me that there was a data breach involving my account that Bank of America is covering up. My wife and I have been greatly inconvenienced and are very concerned about the safety of our accounts.

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 monetary relief
Consumer complaint received 10-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: i have several loans with Navient and i am enrolled in automatic payment for over 2 yrs making all required payments on time, reading up on what the media has been informing us i do feel i am part of the borrowers that were mislead to multiple forbearances and eventually to forced high payments, i recently called and provided as much information as possible and had my co-signer provide all her information aiming to lower my just raised payment to a ridiculous amount. after calling for an update they tell me i do not qualify for lower payments, i am stressing out and Navient 's way of calculating unbearable amount of high payments are pushing me to a boiling point of stress. please look into their payment plans and consider the real world conditions in which we live in, Navient is attempting to take all my money and preventing me from providing my family with a healthy living. 

PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have contacted Experian regarding the following inquiries on my credit report that are adversely impacting my score. I have asked them to show me 1. permissible purpose. 2. Show me written authorization that I gave permission for the following companies to pull my credit and 3. Show physical proof that I initiated the inquiry and Experian is refusing to comply with my request. Instead they simply send me a letter stating that all inquiries must be reported as they show factual proof. I am sorry but without the above 3 components they UNDER LAW are to remove the inquiries from my credit report. The following inquiries do not meet the 3 components under the FCRA and XXXX is in essence breaking the law and I am requesting that they either show me all 3 pieces of proof that I have asked for and I am entitled to or I am asking that a FULL INVESTIGATION be brought against them for illegally sharing my credit information and breaking the law under section 604 of the FCRA. If they do not remove these immediately I will be forced to hire an attorney and sue them for damaging my credit intentionally by reporting inquiries that can not be verified and proven under the law. The following inquiries are to be removed since no proof can be submitted on their behalf. 
1. XXXX on XX/XX/XXXX **I called this company and they find nothing to support a permissible request*** 2. XXXX on XX/XX/XXXX **I called this company and they find nothing to support a permissible request*** 3.XXXX on XX/XX/XXXX **I called this company and they find no evidence to support a permissible request*** 4. XXXX on XX/XX/XXXX **I called them and they find no evidence to support a permissible request and no credit line was granted to me and I do not have sprint service*** 5. XXXX Date of inquiry was XX/XX/XXXX **I called and they find no evidence to support permissible purpose on this date listed**** 6 XXXX On XX/XX/XXXX ***I called them and no permissible purpose was found*** 7. XXXX on XX/XX/XXXX and also on XX/XX/XXXX ***Called them and no permissible purpose was found and no auto loan was granted*** 8. XXXX on XX/XX/XXXX ***Called them and no permissible purpose was found*** 9. XXXX on XX/XX/XXXX ***Called them and No permissible purpose was found*** All XXXX ILLEGAL inquires are to be removed IMMEDIATELY as they are not following the letter of the law in section 604 of the FCRA. The law needs to be enforced here or they will continue to do damage to myself and others. If they want to keep these inquiries on my credit report and state that they have to because of factual truth then support your position and send me the 3 pieces of proof listed above. If not you are intentionally trying to hurt my credit worthiness and this must stop immediately.

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 09/18/2017 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: I called XXXX Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a XXXX XXXX on my Equifax credit file without my authorization, they could n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with ERC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: ERC started to report on my credit file without send me a 30 day right to dispute .... I had already paid the XXXX debt prior to them reporting and by law they have to notify me with the 30 day right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I 've been gravely affected and credit score is affected as a result of it. No notice was ever given and that 's a violation. I am requesting that all inquiries be removed : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX 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 11/18/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: i called them on XXXX XXXX 2015 and said i need to do a voluntary surrender of my vehical. so they started typing on their computer.. they then said i need you to do a recording i said no i dont need to do a recording to do your surender. I said why? i just told you thats what i wanted to do. so i hung up.. they called since then since today 224 times.. and i have talk to them.. now they are harrasing me every time. my last phone call was well its your loan, you need to pay it. thats what i was told. i said do you ever look at the notes yes i do ... so you want to surrender the vehicle? i said yes they said hold on ... well its been 75 days past due how do you want to pay..i said what are you talking about.. i said if you really read the notes you would knwo that i said i want to surrender the truck

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Mortgage debt) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Me and my spouse live in a community property state where we both equally own our house. Also our house is an exempt property per our state statute. Carrington Mortgage Services is the mortgage lender for our property ( Carrington Mortgage Services, LLC   XXXX   XXXX   XXXX  ,  XXXX , IN  XXXX , Phone #  XXXX  ).
After we missed few mortgage payments, my spouse herself filed Chapter   XXXX    Bankruptcy and all the lenders, including Carrington Mortgage Services, were notified by the court.
Pursuant to Chapter   XXXX    Bankruptcy law, should automatically stay all the collection activities by the lenders.
Carrington was fully aware of the stay, but nevertheless, sent a letter of pending acquisition to us few days after filing.
When I called Carrington, the agent lied to me and told me that unless and until I file Chapter  XXXX  Bankruptcy, the foreclosure procedure wo n't stop, since the mortgage is under my name alone.
I explained her that since my spouse is the co-owner of the house, the whole house is considered to be Bankruptcy estate since she filed Chapter   XXXX   Bankruptcy and unless and until Carrington file a motion to lift stay in the Bankruptcy Court and get the motion approved, they can not do that.
The agent on the phone completely ignored what I said and threatened me that if I want to keep my house I need to pay immediately.
Few days after that Carrington  sent me a mail of mortgage loan default on  XX/XX/XXXX  of 2017. At that time, I again contacted Carrington, and the agent told me that Carrington has already sent me the pre-foreclosure notice and the auction for foreclosure would be on the  XX/XX/XXXX of 2017. Th is time Carrington agent provided me the phone number of the attorney that is representing the foreclosure process. The phone number of the attorney is :  XXXX .
When I asked the name of the attorney, the agent declined to do so.
Carrington has sent me three mails and also adding a fake letter from some unknown company who is willing to buy the house.
Carrington is continuing with the foreclosure procedure in violation of automatic stay and in violation of our state statute of exempt property and community property law.
I even explained Carrington that my spouse and her attorney has proposed a payment plan for 60 months, to catch up with the missed payment and interest accrued by our non-payment.
The agents would sometimes threaten with foreclosure and they would sometimes try to tell me the law that does not exist.

Company response to consumer: Closed with explanation