milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: I asked for a modification for my home and they are now wanting to foreclosed on my home with fraudulent documents. I 'm only 4 months behind on my payments.due to a hardship I sent them a QWR and a proof of claim and they have not answered any of my questions. They are attempting to foreclosure on me with fraudulent documents when the mortgage lender is out of business. Please help me. I want my home and I want to stay In in my home. The alleged trust that they deposited loan was outside cuttiff date for the PSA. I have revoked the poa that was filed in the rea estate division of XXXX county.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX a credit inquiry for XXXX  XXXX was placed within my XXXX, XXXX, and Tranunion credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called XXXX XXXX multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from XXXX XXXX. The inquiry was removed from XXXX and Transunion, but XXXX still won't budge. 

Now, the XXXX XXXX inquiry was reinserted to all three reports dated XX/XX/XXXX. I now have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my XXXX report, and one unauthorized inquiry on XXXX and Transunion ( XX/XX/XXXX ) - all from XXXX XXXX. 

I have NEVER held nor applied for an account with 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 non-monetary relief
Consumer complaint received 07-12-2017 about Mortgage (FHA mortgage) with CMG MORTGAGE, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: My mortgage is with CMG Financial and they are violating my HIPPA rights and the California Homeowner 's Bill of Rights by dual tracking. <P/>Due to a XXXX medical diagnosis in and treatment I had fallen behind in my payments. <P/>In XXXX of this year I submitted a loan modification. CMG had a sale date of XXXX XXXX. I was told my paperwork was complete and the sale date was postponed. <P/>I was later told I needed more documentation and that was sent. <P/>Again, told my file was complete. Again then asked for more documentation. <P/>All the while my primary contact at CMG was impossible to reach. When called I 'd always get her voicemail, left messages but never a return call. The exception being on a Saturday when she left a message. I called that day, again voicemail. Called again twice the following work week with no return call. <P/>The cycle of my file being complete followed by more requests continued. This past XXXX I again was told all documents were in but just today ( XXXX XXXX ) I was told I needed updated documents as they were expired with dates from XXXX. These documents were sent in XXXX ( I have a fax confirmation ) Additionally they asked for my medical documentation ( doctor bills, prescription invoices and the like ). I told them this violated HIPPA. They still insisted. <P/>They also continue to hold my current sale date of XXXX -- just next week! regardless of the fact it violates the CA Homeowners Bill of Rights by dual tracking.
<P/>They have left me completely frustrated. By stalling in their decision making, they then request updated documents. They are always provided promptly by me but ignored or lost. We continue to go in circles with no relief in sight for me. This has made my recovery all the more difficult due to the stress they have created.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX reported my collection Account was In a paid was charge off status and transunion refuses to correct this. The account balance is XXXX my obligation to XXXX XXXX is reached and the account is no longer in a charge off status it is now current and paid. 

Capital accounts and pet vet has asked for have these account removed and transunion is still showing the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid several doctor visits off 3 months ago. They have not been taken off the credit report. Now XXXX new collections appeared from 4 years ago. These are doctor Bill 's. The doctor except Medicaid but the charges are more than Medicaid XXXX pay. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: If they were to search their system for the shipping label, they sent us, then we could track it and see that they did receive the equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with I.C. System, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article XXXX of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: FRAUD OF ( PennyMac Loan Services , LLC ) REF : PennyMac Loan Services , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX. XXXX ID # XXXX. 
I have an account with PennyMac Loan Services and I have Insurance with XXXX XXXX XXXX for last 5 years. PennyMac Loan Services NOT Releasing the payment from my Escrow account. My agent reached PennyMac Loan Services , LLC 3-4 times and there is NO Response from PennyMac Loan Services. and iLLegally Imposing Amount : {$2800.00} for insurance. XXXX/PennyMac Loan Services always play these games. I have a OLD Complaint against XXXX XXXX XXXX and Returned my Money. After Complaining to CFPB. Please Help me AGAIN with Fraud of PennyMac Loan Services. 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Medical debt) with Business & Professional Collection Service Inc (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I discovered I am a victim of ID theft, over 20 medical accounts were fraudulently put in my name. Patient used my name to go to the ER at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. There were also fraudulent bank accounts opened at XXXX XXXX and XXXX XXXX. Two credit cards at XXXX, XXXX XXXX XXXX Per FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the informat

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Other debt) with Aargon Agency, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I agreed to pay  XXXX  ever  XXXX  for 10 months to payoff. I made  XXXX  payments  XXXX  {$200.00}  XXXX  {$79.00}  XXXX  {$79.00}  XXXX  {$79.00} all to  XXXX  Illinois And  XXXX  to  XXXX  collections Grand tatol {$830.00} means I over played but which amerend sent me check of  XXXX  taking it to  XXXX  tatol.       So then me   and company   agreed to pay    what I   o wed which was  XXXX  after I sent proof of payments. And I played them the  XXXX  in full now I 'm seeing on my credit report. And ever time I call they have not talked to  XXXX  Illinois yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  is reporting an account that was paid in full as a charge off. I turned all of my debtors over to  XXXX  and paid all of the linked accounts off in full, early. They supplied me with the proof and  XXXX   XXXX  said they turned the account over to  XXXX   XXXX , they say the account was paid in full before any collection activity started. I have a record of all of the above. This is hurting m y credit score  on all of the major credit reporting agencies.  XXXX   XXXX  is the only account that lists this kind of recording, even though I had several other cards also in the program, and no one else reported their accounts in the same manner. Payments were sent each month to  XXXX   XXXX , the proof is attached. They will not change or speak to me about it.  XXXX  said they are reporting it wrong and something should be done to fix it.

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 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried fro two months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency

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 06/20/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This public record is more than seven years old and is not mine. It is with Equifax and I can not seem to get it removed. I keep getting the run around. The account is with Unifund for the total {$16000.00} of Public Record Details Docket Number with XXXX XXXX, TN XXXX Court Status Pending Amount {$16000.00}. 
I need to have them remove it from Equifax immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This XXXX account for {$60.00} showing XXXX XXXX XXXX on my credit file this account was previous deleted from another credit bureau and this account also do not belong to me. I have call the original creditor XXXX XXXX XXXX who does n't show this account. I do not know why XXXX is still trying to report false and inaccurate information on my credit file. I need this information deleted and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a phone call on XX/XX/2015 at XXXX XXXX from a case worker wanting to serve me papers named XXXX XXXX. He said it was from XXXX ( XXXX and XXXX ) at XXXX with a case # of XXXX in the California Court system. He also call me on XXXX at XXXX XXXX again saying I did not call the # he gave me. 

I called XXXX on XX/XX/2015 at XXXX XXXX and the person on the other end said it was from a Providian credit card debt and they were going to serve me court papers to start the collection process. 
He also said they were going to put liens on my home loan and auto loans if I did not work with them. 

This is an old non collectible debt the has past its statute of limitations over 4 years ago. 

When I explained that I understood my legal rights and the statute of limitations on old debts he got quite. 
I also stated that I did not believe that this was a legitimate case and that this was all untrue. 
He immediately got off the phone and hung up on me. 

All of these conversations were calm and collected in a professional manner. No threatening or rude behavior from either of us.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for Chapter XXXX Bankruptcy in XXXX. In the Bankruptcy my home loan mortgage with XXXX was included. This debt was discharged in late XXXX. In XXXX the loan that was discharged in my Bankruptcy in XXXX was sold to Caliber Home Loans. Caliber Home Loans began reporting late payments on my credit report in XXXX and throughout XXXX. I contacted Caliber Home Loans and asked them to stop reporting late payments on my credit reports. I supplied proof of the Bankruptcy discharge to Caliber Home Loans and their attorney, XXXX XXXX XXXX. I explained that I never entered into any loan contract with Caliber Home Loans. They refused to remove the negative information from my credit reports. The loan shows on my credit report as closed. I would like to have Caliber Home Loans entire report to the XXXX credit bureau 's removed from my files as the reporting of late payments has affected my credit score for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Payday loan) with BlueChip Financial (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Spotloan refused to change the date that they debited my account even after I advised that they were creating overdrafts on my bank account. A XXXX XXXX left a message on my cell phone at XXXX advising that he intended to serve me with paperwork at my place of employment and/or at my residence by the end of business on Friday. XXXX XXXX also contacted the central office for my employer and left the exact same message. Once I had a break, I called the number that the call to my cell phone came from ( XXXX ) XXXX and was advised that they were a locating service and that I needed to call XXXX, the number that was given to my employer to get back in touch with XXXX XXXX. When I contacted the XXXX, I asked to speak to XXXX XXXX and was put on hold for several minutes and the same man that answered the phone told me that I had returned checks to Spotloan and began to become belligerent with me. When I tried to speak, he hung up the phone on me. I called back and he told me not to call him any more. I called back again and advised him that there was a witness to the phone conversation. He wanted the name of the witness but refused to give me his name or the name of his company. He then threatened to call my principal and tell them that my witness and I were calling him during the time that we were supposed to be XXXX, which was not what I was doing. After I got home, I called back and spoke to yet another man who failed to identify himself or the company who tried to get me to give him a debit or credit card that he was willing to postdate for the remaining payment. I told him that I would need to speak to my husband first. The person that I spoke to advised that I had 24 hours to get back to him and that he would call me back at XXXX to discuss my plans. After speaking to him, I called Spotloan and learned that they sold my account to XXXX XXXX on XXXX XXXX, 2016 and that they no longer had anything to do with the account. After called the XXXX number again after XXXX, I got a recording that identified the company as either XXXX or XXXX. I am not comfortable with giving out my debit or credit card information to this company without paperwork regarding this situation or for a postdated transaction.

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 explanation
Consumer complaint received 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have moved out the XXXX XXXX XXXX XXXX XXXX by the end of XXXX and did not own the balance of the account of XXXX. Please see the attachments for details.

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: This CFPB Complaint is NOT a request for reinvestigation of a dispute. Equifax continually blocks me from obtaining disclosure of my consumer file also described by Consumer Financial Protection Bureau ( CFPB ) as " file disclosure ''. On XXXX XXXX XXXX and several days thereafter, I repeatedly tried to purchase my Equifax file using the automated system XXXX but to no avail. Equifax repeatedly declined my requests to purchase my file when I called Equifaxs automated system XXXX. Equifax stated I am sorry ; our records indicate we recently completed an investigation of your credit file and sent you an updated copy. We are unable to send you an additional copy at this time. Alarmingly, I NEVER received results of the alleged completed investigation from Equifax. Also, alarmingly, for the year XXXX I NEVER disputed any information in my credit file with Equifax. Evidently, someone other than me, made an unauthorized dispute in my consumer file. I am a victim of fraud. On XXXX XXXX XXXX, I discovered that the numeric portion of my current address was changed without my knowledge or request. Furthermore, I suspect that my consumer file has been mixed with someone elses information. Note that Equifax continuous failure or refusal to provide me disclosure of my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g serves to further expose me to fraud/identity theft and harm. On XXXX XXXX XXXX I sent Equifax, XXXX XXXX XXXX, XXXX, GA XXXX via overnight express mail, correspondence with money order # XXXX payable to EQUIFAX for the express purpose of providing me disclosure of all information in my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g. I never received the requested file disclosure. Subsequently, I learned that my money order # XXXX was cashed. However, I dont yet know who cashed the money order. I do NOT have any record of an agreement for subscription or membership to any online products or services owned by Equifax Inc. or any of its subsidiaries. I do NOT want any subscription or membership to any online products or services owned by Equifax Inc. or any of its subsidiaries.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The previous investigation has not resolved my dispute regarding the accuracy and completeness of this trade line being reported on my consumer credit report.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 168i ( a ) ], these disputed items must be reinvestigated or deleted from my credit report within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation and verification constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Upon filing MANY complaints dating back to at LEAST XXXX 2017, at NO TIME did Ad Astra EVER delete their trade line from my credit report at all. In doing so, Ad Astra violated section 611 ( a ) [ 15 USC 168i ( a ) ] of the Fair Credit Reporting Act, by the mere act of reporting of any item involving their company, they were commencing collection activity. This is an ABSOLUTE VIOLATION of the FCRA! Ad Astra has never at any time had a LEGAL contract between their company and myself, with MY SIGNATURE. I have no legal obligation to Ad Astra, as I have never, at any time signed any contract with Ad Astra or ANY company they claim to represent.

Company response to consumer: Closed with explanation