milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with FMA Alliance, Ltd. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX I received a notice from XXXX XXXX that I owed money on an account that I did not recognize. I called the number provided ( XXXX ), and they were unable or unwilling to tell me who they worked for, but kept asking for my SSN to verify the alleged account. 

I then received another notice dated XX/XX/XXXX from XXXX XXXX alleging an increased amount due for the same alleged account. On XX/XX/XXXX, I took both of these requests to a local branch of XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) and met in person with XXXX XXXX. He went on his various systems and verified that based on my photo ID and SSN I have no account with XXXX XXXX, past due or otherwise. He then connected me on his internal phone with the XXXX XXXX Collections team, and they verified that the alleged account was not associated with me or my wife. 

I have now received a notice dated XX/XX/XXXX, from FMA Alliance , Ltd. alleging a further increased amount due on the same account that XXXX XXXX has already verified is not mine or my wife 's.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted XXXX XXXX before it was XXXX and I was placed on a long deferment due to a XXXX XXXX XXXX I was living in. I had to stop school in XXXX out of fear of XXXX XXXX locating me. I was placed on deferments. On my credit report I have 60 days late 90 days late and 120 days late around the time if my deferment. Now I 'm on a deferment and the balance is still going up. I would like to have these late payments deleted due to being on a deferment st that time.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: My name is XXXX XXXX and i am filing this complaint against Experian XXXX and XXXX credit report agencies who failed to investigate a late payment that was reported by XXXX XXXX in XXXX, with the account # XXXX under the FCRA experian is required to verify all information received from creditor before that information is added to a consumer file. but experian failed to do so on my case since XXXX and never sent me in writing a prove of that late payment from XXXX and still continue to list that false late payment. this morning i check online on my credit report and i saw that same late payment listed, i already sent them a letter in the begining of XXXX to remove this information by certify mail but experian refused to remove it. i called and requested to speak to a manager and got hung up several time ehrn i said i will file a complaint against them with CFPB. Experian is using deceitful manner to run their business XXXX and XXXX did removed it after their received my letter. i called them to make sure it was deleted from my credit report and it was confirm by their representatives that it was done. at my biggest surprised they listed again because i told experian that representatives that XXXX  and XXXX removed that false information why they do not want to do the same. they are horrible companies that need to be closed down

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 03/13/2018 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (CA).
Issue: Trouble during payment process

Complaint: Our address is XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX. 
We have a 203k loan on this property. We finished all of the home improvements as required and received our last reimbursement check in XXXX. Homebridge employee XXXX XXXX was servicing the XXXX loan. Within the rules of the loan, Homebridge had 30 days to close out the loan with FHA. Their failure to do so is creating us great financial hardship because we can not refinance the loan until it is done. This costs us several hundred dollars a month. We are ready to close on a refinance and this is preventing us from being able to have another loan on the property. We have contacted their office many times and sent them the information that they need in order to close out the loan. They are claiming ignorance and not accepting responsibility. The loan is with XXXX but Homebridge is servicing the XXXX. Our XXXX inspector, XXXX XXXX has been reaching out to the HUD office on our behalf but it does not seem as though HUD can help us. It is our understanding that the close out process takes approximately 5 minutes. 
Here is the contact information for the company servicing the loan. 
XXXX XXXX, 203K Draw Administrator HomeBridge Financial Services , Inc . 
o : XXXX f : XXXX e : XXXX w :  www.HomeBridgeInc.com Thank you, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax , has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verfiy these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was purchased from XXXX in XXXX XXXX. I was asked to setup an automatic payment for {$1100.00} to loan, XXXX with XXXX XXXX XXXX. Nationstar used a canceled check and made another request to XXXX XXXX XXXX to loan XXXX for {$1000.00} that I did not know about. Payments for XXXX continued from XXXX/XXXX/XXXX for XXXX payments stoping XXXX/XXXX/XXXX for a total {$9000.00}. All the while the other loan account was removing funds for {$1000.00} starting XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. I found out that the account requested was not even a real account when I questioned Nationstar customer service. 
All I asked for was a refund of the funds from the non-existing account totaling {$9000.00} and leave my " real '' account # XXXX alone with auto-daft for payments. 
What has occurred, NationStar has sent a check for {$8800.00} saying that is all they owe me from the non-existing account XXXX. Also, someone from NationStar dropped XXXX ( XXXX ) payments from my real account XXXX from XXXX XXXX, XXXX XXXX and XXXX XXXX, then placed my account in default. This actions was just before the holidays in XXXX XXXX. 
Now I can not get return calls and we are totaling what is owed now at {$12000.00} to me. 
I have taken my personal funds and brought my true account paid thru XXXX XXXX, but I can not set a auto payment until this problem by NationStar is completed. I will not accept the check, since it is far from what is owed. 
XXXX XXXX XXXX is tops on my list! They have stepped forward and helped me, but even they can not get satisfaction, even after sending all documents requested. 
Further, NationStar says they refunding funds ... but neither my account reflects nor does XXXX XXXX XXXX show receipt. NationStar will not send confirmation that funds were reversed but insist that they were sent. 
This has been going on since XXXX XXXX by me and XXXX XXXX XXXX. We can not get resolution, or now can not even get a call back. 
You help will be appreciated. 

XXXX XXXX, XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (TX).
Issue: Managing the loan or lease

Complaint: Ford Motor Credit is not properly crediting my customer account. In documentation, Ford requested proof of payment by customer prior to XX/XX/2016 - which was provided. 
Proof of a payment for XX/XX/2016 was also provided which should have been credited fro XX/XX/2016 instead of XX/XX/2016. 
The account should not reflect a 46-day delinquency for XX/XX/2016 and should be corrected.

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. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax is a XXXX company that allowed nearly half the countries information to be hacked so they could pay themselves more. XXXX those XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: An merchant account was created in my business ' name using my company 's EIN number. This account was created by someone who was not an officer of the business and Chase followed NO due diligence in making sure the account being opened was actually legitimate. Over a week before the account was closed, they allowed over {$7000.00} in charges ( that I am unaware to which bank account they went, since it was not mine ) and are claiming I will be liable for any charges made under my business name. Moreover, they are absolutely REFUSING to disclose any information to me without jumping through numerous hoops and filling out paperwork. They wo n't even give me such simple information such as WHO Opened this merchant account, because they could not have been an officer of the company. I 've spent several days waiting on calls back and spoke with several representatives all of whom acknowledge the fact that my identity and business ' entity 's information may have been compromised but they refuse to help me in any way or disclose the information I require to further investigate or take action against the perpetrators. I demand Chase disclose all pertinent information regarding this case ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: I 'm being charged a balance of {$190.00} by Capitol One who says this event occurred in XXXX of 2010, after speaking with them on the phone tonight they said the address they had for when the incident occurred is my current address which is incorrect because i lived at another home at that time and was away at college. They 're offering a lower payment to make this go away quickly but why should i have to pay anything at all when i 'm not the individual who applied for this card and used money off of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CMRE Financial Services of XXXX CA, specifically, XXXX and XXXX XXXX, submitted collection actions to the credit reporting agencies which dropped my credit score over XXXX points and prohibited me from getting jobs as I work XXXX and the collections on my account would make me ineligible for jobs in the industry. I contacted CMRE and they acknowledge that reporting invalid debts is illegal they only apologize and state they will remove them from the credit report. This does n't fix the fact that I 've been unable to apply for jobs due to the collections being on my report. The debts were clearly paid and no longer existed but CMRE did n't do due diligence to ensure the debts were valid and legitimate. They refuse to accept responsibility for their wrong doing.

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 01/22/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: Wells Fargo home mortgage has made things worse. I have tried for two weeks to simply recast my mortgage. I was told someone from that department would call me within " 24 hours '' and no one has. Then I was told to go to a local branch and apply funds for payment, instructing the teller to apply all funds to principal, as ordered by Wells Fargo. Teller incorrectly applied some funds to income. I alerted Wells to this and now they have reversed the entire payment, over {$210000.00}. Sp, my check has cleared and Wells is saying they have never received it due to a clerical error. 

I have been serially abused by this incompetent institution. How the government is allowing this institution to survive is beyond me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been trying to get financiallybstable and they keep making me go to a forbearance account so I can gold payments without telling me the consequences. Also, they have missplaced payments and my information is incoreect. I have successfully paid XXXX and XXXX which was the original loans and I ca n't keep track of what I paid and did n't because they kewp bouncing me around. I believe I have paid everything and they want to keep making me pay. They need to erase that debt out of my credit. It is affecting me to progress further.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have extended fraud alerts on my report I faxed police reports to fraud department Yet items remain

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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I contacted XXXX regarding consolidation of my loan with my spouse 's loan almost 20 years ago, I was not told that I this constituted " refinance '' and I would never be able to refinance again. I consolidated my loan and locked my interest rate in approximately 5 % higher than current/recent rates. Later, when I was out of work, I contacted XXXX for assistance and was only presented with the option of forebearance. I was not adequately explained how the compounding interest would affect my balance. After many, many years of repayment, my spouse lost his job and I learned about income based repayment through my own research. I applied and was accepted, but the recertification process was not explained to me. At the end of the year, I had to pay the full payment plus a late penalty for several months because I had continued to pay the amount based on the income based plan only. Finally, my spouse found new employment and during the recertification for our income plan, we were given a very large monthly payment amount. I had to ask multiple times to finally be advised that my payment would actually be less if we went off the income based plan and just paid the regular amount. I had to make numerous verbal and written requests to go OFF the income based plan. I have been in the process of repaying my student loans for over 20 years. I now owe approximately 3 times what I originally financed, and by the time I finish repaying, I will have paid approximately 5 times what I originally financed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: My name is  XXXX   XXXX , I am trying to get in contact with somebody at the Settlement Division or Consumer Financial Protection Bureau to see if you can help me in the following matter. Consumer Financial Protection Burea u, Ally Auto Finance Settlement and U.S D epartment of Justice sent a letter with a checkwith the amount of {$520.00} because I was identified as eligible to receive this money from a settlement between the Consumer Financial Protection Bureau, th e U.S Department of Justice, Ally Financial Inc. and Ally Bank over allegations  of discrimination in auto financing between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX . In the letter said that this amount was determined by the Consumer Financial Protection Bureau a nd U.S Departm ent of Justice. Until today I have not been able to deposit this check because it was sent to a wrong address and by the time I got the check itwas already expired. I have called the phone number that is in the letter so many times with no results because I do not have a specific extension that they ask for. I have called the Consumer Financial Protection Bureau and the representative told me to write an email to Ally Auto Finance to see if I can resolve my problem. I wrote the email on  XXXX   XXXX ,  XXXX  and I have been waiting for a response since then with no answer until today  XXXX   XXXX ,  XXXX . I need that whoever is in charge of this matter get in contact with me so another check can be sent to me. I am going to attach a copy of the letter with the check that I receivedand I am going to provide my updated address.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  FL  ,   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 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am one of the victims of XXXX/Navient. I made the mistake of consolidating my loans XX/XX/XXXX! I originally borrowed XXXX. It is XX/XX/XXXX and I am still paying the XXXX payment every month. I am a XXXX and work in a district in need and have requested forgiveness twice. I 've paid triple what I borrowed and still have miles to go. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My credit has been run XXXXThis has caused my credit score to drop XXXX points on both Equifax & XXXX. 
I did not apply for credit nor are these cards open. They have been closed for years. I am in the process of selling my house and purchasing another. I am aware of the Group on Mortgage check as we are in the process of purchasing a new home. 
I am disputing XXXX. Again I have NOT requested credit from these companies. I recently had an issue with a XXXX gas card someone opened in my name. This was cleared up by both XXXX and XXXX. I want these removed and reported as possible identity theft. I would like Equifax & XXXX notified of this derogatory hard credit checks so my score can be returned to what it was prior to these credit inquiries. It should be illegal for companies to run credit reports on closed accounts. I am not at all interested in opening these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a Federal Direct Plus Loan. I have attached loan paperwork to show that it is on a Standard repayment with fixed monthly payments for up to 10 years with a fixed interest rate of XXXX %. I have been paying that fixed monthly payment of {$190.00} for 5 years, and received an email from my Servicer ( Nelnet ) XX/XX/XXXX, stating that after a periodic review, they had to raise my monthly payment so that I would be paid off within the remaining term. Although the increase was n't that much, I had never heard of this happening, nor did most people I asked. I called the Servicer, and the 1st XXXX reps I spoke with had no idea why, then I asked for a supervisor who was n't much help either, then asked to speak with his supervisor. I was given many explanations. First, it was a miscalculation or mistake, then I was told that student loans are different than regular loans, and they can basically do whatever they want as it is stated in the fine print. When I asked if I could see the paperwork with the mistake and that fine print, they said they would n't be able to as they service too many loans. They actually told me that they were saving me money because they do n't always find these mistakes until the end of a loan, and if people ca n't pay it in a lump sum, then they have to go into repayment. I will admit that I had a couple of late payments, which when I called to pay them, I was told that my account was in good standing, there would be no late fee, and they did n't even report late payments to the credit bureau. I asked the supervisor if these couple of late payments were the cause of this and he assured me it was not. I contacted the Dept of Education who put me on to an ombudsman who basically said this does happen ... but he 's not at liberty to give info about these Servicers, even though I saw a lot of negative comments about my Servicer on the internet. I wonder how much oversight the Dept. of Education has over all these companies they use to service their loans. I have XXXX other Servicers, and worry that this could happen to the other Parent Plus loans we have, or to my kids Stafford or XXXX School loans which would be far worse as they and all students struggle to pay off their loans without this even happening. I have been advised by many knowledgeable friends to continue to pay my old payment so that I am not agreeing to their new terms until this is straightened out. When I call to make my payments, I verbally tell them this and they say they are putting it in the notes. But now they keep calling to say I 'm past due. And XXXX agent said they might report me to the credit bureau which they said they did n't do. I would appreciate it if you could please help me with this situation. Thank you!

Company response to consumer: Closed with explanation