milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: On or about XXXX XXXX, XXXX, after learning about the Equifax data breach, I followed the instructions provided by the company and visited XXXX. On that page I provided my ssn and it was confirmed that I was affected b the breach. I signed up for the free credit monitoring offered. The process could not be completed at the time ( Equifax issue ), so after XXXX-3 days I went back and completed the steps. On XXXX XXXX, XXXX I received an email from " Trusted ID Customer Service '' [ XXXXXXXXXXXX ] which read : " Dear XXXX XXXX, We recognize you may not have received your activation email for TrustedID XXXX. We apologize for the delay and assure you we are working diligently to send your activation email as quickly as possible. '' As of XXXX XXXX, XXXX I had not received the activation email. That same day, I went back to XXXX and called the customer service number listed there. 
After talking to three different people, I was told that I had to sign up again at XXXX. I think it is deceptive for Equifax to represent that they are offering this service if they dont intend to. And their negligence continues to expose my personal information to identity theft. Equifax is not taking this matter seriously. Equifax should not need anybody to sign up for this since they already know whose data was hacked and they also have people 's personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Mortgage (Conventional home mortgage) with FIRST NATIONAL BANK OF PENNSYLVANIA (OH).
Issue: Trouble during payment process

Complaint: First National Bank sent me a letter in the mail describing they mismanaged my Escrow account and needed to raise my monthly amount double per month over {$2000.00} per month to get the escrow balance to where it needs to be. That monthly payment was unacceptable and completely unaffordable. After many calls and many days they finally told me they would separate this in a monthly fee resulting in an extra {$600.00} a month to make the escrow amount. I understand the escrow was mismanaged, but I do not see why I am being penalized for the bank 's mistake on managing the escrow account. Now my monthly fee for escrow is more than the principal and interest and the amount required I can not afford. Please see attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am a XXXX veteran, covered by XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX and XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, the Code of Federal Regulations, Title XXXX, Part XXXX, paragraph XXXX ( d ) and XXXX XXXX and XXXX, and XXXX ( c ). 

Original creditor - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX - was paid by the XXXX {$170.00} XXXX US Government Check # XXXX dated XXXX XXXX, XXXX for emergency medical services rendered to me on XXXX XXXX, XXXX. The original creditor billed the XXXX {$1300.00}. The original creditor was apparently unhappy with the amount paid as mandated by federal law using the XXXX XXXX XXXX XXXX pricer, and then perpetrated on ongoing fraudulent scheme, that continues to this day, of either selling, assigning, or otherwise engaging prohibited services of several 3rd party debt collectors/debt buyers. 

Under current law established by XXXX of the United States, as published in the Code of Federal Regulations, Title XXXX, Part XXXX, paragraph XXXX ( d ) : " Payments made in accordance with this section shall constitute PAYMENT IN FULL. Accordingly, the provider or agent for the provider may not impose ANY ADDITIONAL CHARGE for any services for which payment is made by the XXXX '' You may not bill the veteran or any third party for any balance not paid by the XXXX BALANCE BILLING IS PROHIBITED. 

Additionally, XXXX XXXX XXXX states " Payment by the VA on behalf of a veteran ... extinguish all liability on the part of the veteran for that emergency treatment

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (FHA mortgage) with Mortgage Research Center, LLC (CO).
Issue: Credit decision / Underwriting

Complaint: In XXXX XXXX my mom & I called Veterans United Home loans, and placed with XXXX XXXX, Loan Officer. We were interested in a VA mortgage. We were advised that we could apply as my mother is a XXXX Vet, with me as a dependent XXXX XXXX XXXX XXXX we recd notice from Veterans advising we were prequalified. We were not eligible for VA financing, but on XXXX XXXX XXXX XXXX XXXX advised that he would issue a preapproval letter for FHA financing. On XXXX XXXX XXXX I requestedthe terms of the loan because I was missing out on properties. On XXXX XXXX, XXXX XXXX XXXX advised in writing that he could 'definitely make this work ' and on XXXX XXXX XXXX I requested the specifics of the FHA loan. On XXXX XXXX XXXX I received a phone call from XXXX XXXX, at which time I expected to be advised as to the specifics of the FHA loan that was preapproved by Veterans. It was only on that date and time that XXXX XXXX asked for anything more from me than my paystubs. We requested financing up to $ 300K, and advised that we could put at least a 20 % down payment, and {$5000.00} ernest money towards the purchase Only THEN did XXXX advise that my XXXX score did not qualify for an FHA loan. According to the FHA manual, my XXXX score did qualify. XXXX misrepresented that it was FHA, and later admitted it was Veterans Home that would not accept it. 
For almost 2 months, we were unreasonably led to believe that we were only waiting fo the preapproval letter to be issued. There were no qualifiers, no ifs, ands or buts, or any other issues that might disqualify us. We were unethically and unprofessionally misled by this loan officer, and in fact were told that Veteran COULD help us and that we WOULD receive our preapproval letter. Veterans should be required to uphold their promise of financing and finalize the mortgage loan that we were preapproved for. There was never any discussion or mention that ANYTHING would stop the financing process. Ou combined income is in line with the loan amount, and my mother 's credit is outstanding. My credit qualifies me for approval for an FHA loan, and Veterans should approve this financing and proceed to closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To whom it may concern : Your response to my dispute of public record is unacceptable. In your response you claim that you have verified this information how? According to the FCRA you have to provide me with the manner in which you verified this information. And you have not done so. I have submitted all the information to you already that proves the account does not belong to me. I further more do not have to provide your company with anything else. You have to provide me with your ways of verification in which you havent done so thus far. Which will result in numerous violations of the FCRA and each violation can result in {$1000.00} penalty. I have kept close record of our correspondence in which you have not provided me any documentation of you ways of validating the account belongs to me. And I intend to pursue legal ways to remedy this tragic situation that is damaging my life as well as reputation because of your malpractice of reporting false information. Again I want verification of account numbers jurisdiction of court address and all other particulars of the public record you are reporting on my credit report. You can not use any 3rd party information you have to verify it with the courts and provide me with your exact method of verification to provide utmost accuracy as stated in Fair Credit Reporting Act. This is my final warning before I seek judicial court suit against your company for your transgression against 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 explanation
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do n't have any knowledge of this collection company or the debt that they are attempting to collect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Billing disputes

Complaint: In XXXX 2016, I received a letter from Bank of America stating they had a new bill payment system and to log in and sign up. I logged in and saw that my bank account info was already in and ensured it was correct for auto payments. I then changed over to paperless billing. Fast forward to XXXX 2016 and I tried to use my card and it declined. I logged in on XXXX/XXXX/16 and noticed I was late for a payment from XXXX/XXXX/2016. I immediately made the payment and tried to check my online payment system, which seemed to have my correct bank account. This 30 day late was then reported to my credit bureau on XXXX/XXXX/16, which dropped my score dramatically. Problem is, after further review I never received an alert saying I was late and I wondered why my online auto bill pay did n't work. I called CS on XXXX/XXXX/2016 and was forwarded to the tech dept. After repeated attempts to reset my account to make the online bill pay work, the tech gave up and decided I would need to fill out a paper form to get set up. I then asked if the 30 day late mark on my credit could be removed and received a call back from their credit department saying no, even though my account was investigated today and it was found to have a glitch which is why I thought I was setup for payments and alerts and I 'm not! I was receiving alerts up until XXXX 2016. My alerts stopped once I tried " their new bill payer service '' which turned out to be the worst mistake of my life. My husband is a veteran of the XXXX XXXX and we are 60 days out from closing on our home we are building and our VA loan officer says this may put our home into jeopardy.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I pulled my Credit Report and notice their was some fraudulent activity on my file. I filed a police report in on XXXX XXXX, 2017 and an investigation began for Identity Theft. I called on XXXX, Transunion, XXXX and they placed a 90 day alert on my file. Each credit bureau assured me that once I send over the police report ; the 90 day alert will be change to a 7 year alert and all hard inquires and negative accounts will be removed. I applied for a rental and was denied ; I called the rental company to get further clarification. The Credit Bureaus did not place a 7 year hold on my credit report nor they did not delete the hard inquiries and derogatory 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 explanation
Consumer complaint received 10/20/2017 about Mortgage (Conventional home mortgage) with The J. G. Wentworth Company (VA).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and  Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. Department has not completed request and have not given any details as to completion. lender further has further refused to accept the additional documents requested by client because of error of fax that seems to be on their end. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Pacific Union Financial, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: since XXXX XXXX false claiming of personel use

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: After the Equifax data breach I attempted to obtain my free credit report ( via internet ) from the three credit reporting companies. On XXXX XXXX, XXXX I was able to get my credit report electronically from XXXX, but was unable to do so from XXXX and Equifax. On that date, I mailed the Annual Credit Report Request Form ( including required IDs ) to Equifax and XXXX. 

On XXXX XXXX I received my credit report from XXXX, but to date ( XXXX XXXX ), I have yet to receive any correspondence from Equifax. I have tried calling several times, but my call has been disconnected. There were errors on both my XXXX and XXXX  reports and I 'm concerned that there are errors on my Equifax report, but I have no way of finding out. 

Please advise on the best way to obtain my credit report from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing is charging me an additional {$2000.00} in " fees ''. When I have asked for documentation of these fees, they sent me an email with fees dated from XX/XX/XXXX to XX/XX/XXXX. I was not with Ocwen - I was with Litton Loan Servicing at the time. Ocwen took over all the mortgage in late XX/XX/XXXX/early XX/XX/XXXX. I have NEVER been notified about these fees ever until I had another dispute that has been settled with Ocwen. Many times since I have been with Ocwen, I have had a XXXX balance and no mention of fees from the prior company. It is only NOW, SIX YEARS LATER that they start talking about fees. This is a scam!!!!! Ocwen needs to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX inquired about XXXX programs through BAC. It was a constant go around of submitting documents and forms. Many letters with false hopes and disappointment. BAC refinanced loan XXXX changing account number disqualifying my loan for any XXXX programs. I have called XXXX XXXX, HOPE, HUD. without any help. BAC is only interested in foreclosure or short sale. I have been paying on loan since XXXX. I do not want to default on loan. I contracted cfpb XXXX with this compliant. BAC XXXX a correspondence from CFPB. BAC responded with did not rcv paperwork in the past, submit XXXX, eligible for HAMP. I have been down this road too many times XXXX XXXX. BAC has given me the run around without helping me. For years BAC would have me resubmit same documents/paperwork. They offered me a standard refinance. This only cost me more money with the closing cost, and them messing up with my escrow causing penalty fees that has compounded my payments.Also, disqualified me from any federal programs having new account number. BAC was always mentioning foreclosure. This is a scary thought and adding undo stress. I have a thick folder of the BAC request and form letters. It runs in circles going no where.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: **I attempted to add the last four of my SSN for the company to pull my file but, I kept getting an error and it would not allow me to add that information. I am not sure what all information you may need from me so, if more information is needed regarding this situation please email me at, XXXXXXXXXXXX. ** EOS/CCA keeps adding a debt to my name that is not mine and I have previously disputed and removed it from my credit but, they keep forcing it back to my credit causing me problems. A friend XXXX XXXX moved into my apartment in or around XXXX of XXXX and I disconnected my service with XXXX XXXX for my friend to transfer their service ( also with XXXX XXXX ) to my address. Prior to disconnecting the service it must be paid in full so, I paid my bill and cancelled my account. I later opened a new account after my friend moved out and I still currently am a customer with XXXX XXXX on that account so, I obviously was and still am in good standing. In XX/XX/XXXX I saw this collection on my account for {$120.00} from this collection company stating it was an unpaid balance from XXXX XXXX. I asked XXXX XXXX about this and they said they did not know what it was, that I was in good standing, and that I could not have opened a new account if I owed them money so, I disputed with the credit bureau and had it removed. I thought the issue was finally resolved. Now, onXX/XX/XXXX almost a year later, it showed back up on my credit report from EOS/CCA for the same amount and that they are representing XXXX XXXX but, I do not owe any money to XXXX XXXX. My account is in good standing, my previous account was paid in full, and I have not missed or been late on a payment but, this collection company insists I pay them money I do not owe and do not know where it came from. Basically to recap, this company keeps adding this collection account to my credit and ruining my credit. My account with XXXX XXXX was paid in full and closed. When I decided to get cable services again, I opened a new account with XXXX XXXX. When this collection showed up on my credit I asked them how if I owed them money could I open a new account with them to which they replied that, I could n't open an account with them if I owed them money because they run your credit, your social security number, and cross reference their own system every time you start an account with them. If I had owed them any money I would not have been able to open a new account. So, to conclude, I feel like this company is trying to take advantage of me and is holding my credit hostage for a false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I answered the Debt Collectors in writing and asked for proof of the debt, i.e. signed contract, etc. They replied with another letter stating I still owed the debt, but they were willing to work with me if I started making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (I do not know) with Penn Credit Corporation (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls every day starting XXXX/XXXX/15, Sunday included. Leaves no message. When I XXXX the number, comments indicated Penn Credit. They have called:XX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXI have no outstanding debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Trouble during payment process

Complaint: I am trying to resolve a issue with Mr Cooper AKA Nationstar Mortage I have a balloon payment due at the end of my loan I have tried to transfer the funds to pay this off on 3 occasions and the payment has not been accepted. They are treating to foreclose on the home but I have tried to get them the funds. 

I am hiring a lawyer to help me with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with Credit Karma, Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed for bankruptcy 4 years ago, and have XXXX XXXX XXXX credit card which I pay the amount due every month, for well-over two years. Even so, my credit rating does n't improve. YET, this week, when I signed up for a new cable service ( to allow me to save {$120.00} a month! ), my credit was downgraded a few points, erasing cherished positive points that are so hard to come by. 
Understanding the bankruptcy remains for years, I feel it is totally unfair and a complete disincentive to " punish '' credit holders like me for applying for new credit, while NOT rewarding me for paying off my debt monthly. 
I am getting this info from Credit Karma, though I do n't know if they are the guilty party. I believe it 's XXXX or all XXXX of the credit tracking companies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Payoff process

Complaint: Bank of America is not applying my payments that are over the minimum required payment to the highest rate balances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation