milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX accounts are being disputed as not having a contact with those companies. All I received in return was a page that said updated information and an account number. I am looking for this debt to be VERIFIED AND VALIDATED. I need proof that these accounts belong to me, and that I signed up for them.

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 11/13/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds one from XXXX XXXX that has been discharged and the other from XXXX a division of XXXX XXXX XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Credit card) with Glass Mountain Capital, LLC (SD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have repeated calls that started on XXXX XXXX. They call twice a day and refuse to tell me who they are and why they are calling. If it is a debt collector they have not sent any written validation notice within in the required 5 day from first contact. They continue to harass and annoy me and refuse to tell me who they are or why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from National CITY XXXX to PNC Mortgage holder. PNCrefuses to correct principal/interest payments on my mortgage. The incorrect applied payments continues to consistently be redirected on the amount owed on the loan. Theseactions over the past nine years promotes REDLINING.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 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: Public record information inaccurate

Complaint: There are 2 account being reported inaccurate on my credit report the first is and old XXXX account that was a fraud case. I have sent information to Experian repeatedly about this account but they refuse to delete account even though I have repeated documentation showing that I was a victim of fraud. The account in question was settled with XXXX and suppose to be removed. The account was remove from the other 2 CRA 's after submitting documents but Experian reuses, even after filing a prior dispute with CFPB the lied and said account no longer appears on credit report. That was a complete lie and false statement to me and CFPB the account still appears and in fact the made it worst by stating account not paid. Which is false statement. The account was paid and settled. In 2014 during a purchase of a home the loan officer ask for my documents in response to that account. He submitted them and account was changed to paid/written off, but the account was suppose to be removed per letter from XXXX for forgiveness. Documentation has been attached to prove case. There also is a medical collection account that was paid by workers comp XXXX XXXX I sustain at work. I am not liable for this since account was workers comp and paid by workers comp. I have attached 2 statements one a bill showing bill paid and another showing insurance paid because workers comp reimbursed insurance payments. Somehow this keeps coming back as verified even though I have repeated asked for Experian to show me documentation that the investigated and who verified 2 inaccurate accounts. I have still to date not received that information from Experian and they refuse to remove inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: I have a joint account at Bank of America with my husband. My husband also had a joint account at Bank of America with his son that was opened when his son was a minor and needed a parent/guardian on the account. His name had never been removed from their joint account although his son is now an adult and no longer resides at our residence. My husbands ' son 's account was apparently overdrawn and they withdrew funds from my and my husbands joint checking AND savings account and placed them in his son 's overdrawn account without permission or knowledge from either myself or my husband. My husband did, on the day we discovered the withdrawal, close the joint account as the Bank would not remove his name from the account without his son being present and we were not able to reach him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law that was effective XXXX XXXX, 2017, any public record data must include the name and address, as well as the SSN and DOB in order to appear on a consumer 's credit file. The Credit Bureau 's have yet to update this information. Per the new law True Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (FHA mortgage) with Alabama Housing Finance Authority (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with the mortgage company for months to complete a pre-foreclosure sale. My home was initially placed in loss mitigation due to divorce. My husband occupied the home and then left it without telling me. Because it was so far behind when I found out he left, I was unable to catch the payments up. My only option was to sale. It took forever to get to the point that we could accept offers due to me having to wait for the home to be awarded to me after the final divorce. I had an offer on the home and it fell through due to the buyer being tired of back and forth from the mortgage company. Now, I have XXXX buyers but the mortgage company is saying it 's too late to move forward. Why is the sale not being postponed? I have worked with the mortgage company since the day I found out the payments were behind. I 've submitted everything they 've asked for. I 've even asked if I can get back into the house some way. I can not afford to have a foreclosure on my credit. How can I stop this foreclosure and continue to get my home sold?

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: My name is XXXX and I am writing you about a bankruptcy listed on my Experian credit report, in which I have tried to have it removed. Apparently someone with a similar name to mine filed bankruptcy in the United States Bankruptcy Court Northern District of Illinois, and it is appearing on my credit report. After contacting the Bankruptcy Court, they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As they well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They continue to report the bankruptcy verified. Please find with this complete of my proof that they have never verified this with the furnisher. 

" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, the credit bureau has an obligation to conduct a reasonable reinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, it has five business days to forward the dispute to the relevant furnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, or can not be verified, the bureau must delete the disputed data.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section 611 to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''

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 07-07-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I discontinued service with XXXX XXXX. I at that time brought in my boxes and all equipment. I received an email the following month showing that I had no balance and nothing was due for the next billing cycle. In XX/XX/XXXX when I applied for credit I saw a collection on my account that I had no knowledge of. I reached out to the company and they informed me it was from XXXX. I called XXXX and was told they are not handling my account any longer. I sent in a validation letter to Credit Protection XXXX on XX/XX/XXXX with no response and again on XX/XX/XXXX. I then received a notice from them the balance was correct with a screenshot from XXXX. I requested they show how they got to this amount and to validate how the total was calculated as I had a XXXX balance statement. The company has not provided any of this b/c it does n't exist. When I call and push 2 for s dispute the call is disconnected. I have called several times. I want this information removed as it is not correct.

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 11/16/2017 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Company has my name wrong and Ive never lived at address shown, also account shows closed but still showing on credit report

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 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had an account with XXXX from XX/XX/XXXX to XX/XX/XXXX. I sold my house and called them to inform them I was cancelling service. They informed me I was no longer under a service contract and it would not be a problem. I thought the matter was over but I recently checked my credit report and discovered they were reporting a balance in the amount of {$900.00}. I called FIRST NATIONAL COLLECT and they informed me they did not have any details with the account. I then called XXXX and they said it was due to early termination. ( I had this account for more than XXXX years ) Then, they said they never received equipment that needed to be returned. I talked to a supervisor that said he would adjust the balance to {$220.00}. I called today and the balance is {$900.00}. I spoke to several reps with XXXX and nobody can give me any answers. I need help in this matter because I paid the account as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Payday loan) with NAM National Arbitration and Mediation (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: The number that called is XXXX XXXX XXXX. They told me that I owed XXXX XXXX XXXX and wanted me to settle my debts I said yes because I wanted to get it over with. They processed payment two weeks after our agreed date and did it twice. Now I am trying to call the number they called me and it goes directly goes to voicemail. I have tried looking for this ADR arbitration and mediation company but no luck so far.

Company response to consumer: Untimely response
Consumer complaint received 09/15/2016 about Debt collection (I do not know) with The Best Service Co.,Inc (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The Best Service Company reported a collection trade line to my credit somewhere around XXXX/XXXX/2016. I was never contacted via US mail, email, facsimile or by phone about this. The way I found out about this was from an alert from XXXX monitoring services. On my credit report it has an ID Alert statement with my cell phone. Also in the contact information my mailing address, work number and cell phone are listed and are accurate. Therefore there is no excuse why I was not afforded the opportunity to dispute the matter under the previsions set forth in the governing laws. 

If I was given proper communications a formal dispute and police report would have been provided to them disputing this matter. After pulling my credit last night I 've identified the original creditor. The account they are attempting to collect on was involved in fraud. Documentation was provided to the original creditor almost 4 years ago. 

The CFPB needs to step in and stop this type of behavior with debt collection companies. They should not have the ability to report an account period. Especially in situations like this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Other mortgage) with PHH Mortgage Services Corporation (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I previously had a mortgage through PHH Mortgage. I recently refinanced my mortgage through XXXX. XXXX requested a current pay off statement from PHH on XXXX occasions in XXXX and PHH refused to provide a current pay off statement. They initially provided a payoff statement through XXXX XXXX and then provided a payoff statement through XXXX XXXX. We closed our refi and sent payment on XXXX/XXXX/15 to PHH overpaying our interest through XXXX XXXX. PHH refunded the balance of our escrow account. However, they DOUBLE PAID our PMI first before refunding. Our PMI was current and there was no reason for the double payment. We no longer use the same PMI company and I believe I am owed a refund of the duplicate payment. PHH has also not refunded the overpayment of 20 days of interest ( XXXX through XXXX ). I have called PHH to request info on where my overpayment went and they have refused to provide info. I asked for a statement of how much my overpayment was and they advised they did not have that information. They did not answer my question when I asked about the duplicate PMI Payment. They offered to send me a list of my payments XXXX which I am able to see online ) but then never faxed it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax has denied me and others from being able to view my credit report. I called in to inform Equifax of certain inaccuracies on my report and from that point on I 've been mistreated by Equifax Office of Consumer Affairs. I have been hung up on and yelled at from several employees in the office of consumer affairs and its manger or supervisor by the name of XXXX. She has instructed her employees to not even verify me and call me out by my name without verifying my identity. Now when I call I ca n't even reach an agent. They just blind transfer me to an empty voice mail based on my caller ID when I call in to get service on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: This complaint is XXXX legitimate. The debt collection agency has been fined millions of dollars in the past by the Federal Trade Commission. In this case, XXXX XXXX picked up my information from an XXXX credit card that went into default in 2008. For that matter, XXXX is now off my Experian report due to the 7-year rule application from the Fair Credit Reporting Act. This account can not be enforced under New Hampshire, and Experian did a poor reinvestigation and should easily see that XXXX XXXX has re-aged the credit item to give the appearance that the account can still be legally collected and/or reported. Experian has no other recourse but to delete this credit trade line as the original trade line with XXXX has already been taken off credit due to its legal attachment limit on time, that being seven ( 7 ) years. This item need to be deleted immediately and permanently.

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 10/31/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Trying to refinance a mortgage ; Was told property had not been out of foreclosure long enough. WHAT???? Have not filed bankruptcy, property has NOT been foreclosed on. Spoke with individual at loan servicing company, said they would take care of it. NOW!!! Most info pertaining to this mortgage is gone from their records ( payment history, etc. ). Credit report says account was paid and closed. So who or??? is collecting my payments?

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: I HAVE A ACCOUNT WITH BANK OF AMERICA, AND THIS PAST YEAR, I HAVE HAD A XXXX STAYING WHILE GOING TO SCHOOL, HE HAD EITHER WROTE MY CARD NUMBERS DOWN OR TAKEN MY CARD AND REPLACED IT IN MY WALLET. AS SOON AS I GOT A NSF FEE STATEMENT, I WENT AND LOOKED AND WHAT A SURPRISE, XXXX WORTH OF TRANSACTIONS, HE DID THE SAME WITH MY XXXX CREDIT CARD, HOWEVER I HAD DRIVEN HIM TO THE AIRPORT THAT DAY, I FOUND OUT. I CONTACTED BANK OF AMERICA DIRECTLY AND AS THE SMALL PRINT SAYS, I AM COVERED FOR THAT LOSS, THEY GAVE ME A EXCUSE THAT HE DID NOT GO SPEND HAPPY WITH MY ACCOUNT AND I SHOULD LOOK AT MY ACCOUNT DAILY .I AM TOTALLY THROUGH WITH BANK OF AMERICA, NOT ONLY DID I GET TAKEN BY HIM, MY OWN BANK HAS TAKEN ME AS WELL AS THEY DO NOT WANT TO EVEN REFUND THE OVERDRAFT THAT WAS CAUSED BY THE INCIDENT

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 01/30/2016 about Debt collection (Auto) with Lien Enforcement Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Business is attempting to collect a towing fee for a vehicle I did not own when it was towed. Recently I faxed the following communication to the entities attempting to collect a debt from me : To : Lien Enforcement, Incorporated XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX XXXXXXXXXXXX AND- XXXX Primary Business Address XXXX , CA XXXX Phone : XXXX Fax : XXXX E-mail : XXXXXXXXXXXX XXXX : XXXX XXXX XXXX I contacted the State of California Department of Motor Vehicles Investigations unit at ( XXXX ) XXXX regarding the XXXX XXXX XXXX VIN. # XXXX and spoke with XXXX - ID # XXXX. XXXX said that there is no record in the system that I was ever a registered owner of the vehicle, and because I was never a registered owner I can not obtain a record of registered owners for the vehicle. The DMV states the sale date on the release of liability is XXXX/XXXX/XXXX and it must be honored. I never completed the registration process nor paid to register the vehicle, and the DMV states ( The record is not permanently transferred out of your name until the DMV receives a completed application for transfer of ownership and payment of appropriate fees from the new owner. ) So you need to find whomever 's name was / is on the title for the vehicle. Finally, you are refusing to honor the sale date, speaking on behalf of the DMV, which you can not do.

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