milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Though I filed a Chapter XXXX in 2011, I 've paid my bills on time, I only have XXXX credit card with a one thousand dollar limit. though my monthly bills total, {$1400.00}, including mortgage and car payment, XXXX loan ( $ 700+ ) and XXXX credit card ( $ 900+ ) all with good standing and on time payment history These are the only open accounts on my report and my monthly income is $ XXXX .Despite these facts, my score remains in the fair to poor range and I 'm continually declined due to credit reports and scores. I saw XXXX disputed bill on my report that was n't mine and it was forgiven when I filed chapter XXXX, and as I stated, it was n't mine in the beginning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I paid my mortgage in full. My mortgage was sold right under my nose and then Caliber who have my mortgage is telling me that I now owe XXXX. I they raised my payments to XXXX after paying XXXX all of those years. My mortgage is a XXXX account. They are stealing!!! There is no recording of the sale of my home and no promissory note. Now Caliber has been reporting a 120 day late payment on me every month and I have made payments that I do not owe every month. I have all of my bank statements showing that I have made payments every month and finished paying for my home and now Caliber who has no legal right to my information is ROBBING ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I served as a guarantor on an apartment lease at XXXX XXXX XXXX in XXXX XXXX, Louisiana. The lease terminated on XX/XX/XXXX. At the conclusion of the lease I personally visited with apartment management to confirm the account was paid in full. This was confirmed by XXXX XXXX XXXX, Assistant Property Manager, prior to move out in XX/XX/XXXX. We never received any further communication from XXXX XXXX or any representatives of XXXX XXXX after that date. <P/>Today, XX/XX/XXXX I received notice from a credit bureau ( XXXX ) that National Credit Systems had flagged an account belonging to me as unpaid in the amount of {$4000.00}. I have never received any communication from National Credit Systems. I contacted them by phone today and they indicated the unpaid account related to the lease agreement at XXXX XXXX XXXX. They further indicated they had turned the account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provided contact information. <P/>I contacted the XXXX firm and spoke with a XXXX XXXX ( spelling? ) who advised me that : 1 )  XXXX XXXX XXXX turned the account over to National Credit Systems in XXXX, XXXX - 9 months after we terminated our lease and were advised no further funds were due ; 2 ) the balance of {$4000.00} was due to a check being returned for insufficient funds ; 3 ) I could " settle the matter '' for 60 % of the debt ; and, importantly 4 ) neither they, nor National Credit Systems, nor XXXX XXXX XXXX are under any obligation to provide me with any information proving my debt. During her repeated attempts to encourage me to " settle '', she indicated that would be the most effective path to remove derogatory remarks from my credit reports, and, absent such a settlement, those derogatory remarks could remain on my reports indefinitely. <P/>I have confirmed that I paid all obligations under the term of the lease as required, and that there was never a check returned for insufficient funds. I have no debt to XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I did miss a payment in XX/XX/XXXX. Due to my finances I was unable to bring my account current until XX/XX/XXXX All other payments were made. I have payed receipts for all payments. All payments were made at Bank of America bank or pay by phone, a Bank of America XXXX number printed on thier monthly bill to pay. Last month I received a packet from the Bank of America stating forecloure is being started and XXXX the month of forecloure. I then called XXXX XXXX XXXX. XXXX XXXX XXXX was the XXXX assigned to help me. 
A letter was sent to the bank and the foreclosure was dropped. Now as per my records back payments were brought up to date. XXXX XXXX sent a letter requesting a report from the bank listing all payments made. No report has been made or sent to me or any contact from the bank by letter or phone. 
When the account was brought to date by my records the bank showed a balance of {$1600.00} still due. A report of Bank 's payments received would help to resolve this matter, which i previously requested. 
Please help me to resolve this matter. The Bank seems not to be interested in resoving the matter. 


Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX XXXX ( cell )

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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (KY).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: On    XX/XX/XXXX    I visited a  XXXX  at   XXXX   XXXX   XXXX   XXXX     XXXX  KY.     A credit application was submitted without my written consent. I pursued the doctor NOT to submit the application given that it could be a hard inquiry and will impact my  credit score.  The doctor convinced that it is not hard inquiry and submitted the application. Now my  credit score  dropped by  XXXX  points yesterday. I do n't even need this credit application. Would you be able to help revert this credit check?       XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received a statement from this company in months, despite my attempts to contact them via mail and phone. The last statement I received was XX/XX/2016. I have no idea what the balance is on this debt, nor do I know how my payments are being applied. Their statements are confusing and I do not believe they are applying my Payments correctly. I pay this loan electronically through Billpay in my mobile banking website. I pay {$40.00} every month, which is more than the minimum payment. I have never been late with any payment. I have written a letter to this company with no response. I have tried contacting their customer service number but it always goes to a voice mail and no one returns my call. I feel this company is unethical in that they do n't provide any statements to me and I have no idea what the balance is. They do not respond to any communications. And yet this debt appears on my credit report. How will I ever know that it is paid off? And it will appear on my credit report as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (WI).
Issue: Managing the loan or lease

Complaint: Wells Fargo called my number asking for payment of a vehicle loan that my ex-wife has posession of through our divorce. She is there months behind and I am cosigner, unfortunately she has legal rights to the car and since I am only cosigner I have none but resposible for the debt even though she has posession of the car. Wells Fargo has threaten to call my chain of command as I am in the military and not just my immediate but they ask for the commanding General number which is way above who they need to call. This could cause serious issues and possible separation at 18 years of service for something out of my controll.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: Ocwen ServicING are charging a lot of miscellaneous fees, high forced placed homeowner, flood, mortgage guaranty insurance.. Which causes escalate mortgage escrow payments .Therefore, we find it impossible to maintain payment. Also, Ocwen closed our mortgage in 2012 according to our credit report but kept mortgage in our name continued to bill us for the mortgage ..

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 01-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Central Portfolio Control Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Central Portfolio Control recovery services has been calling me nonstop about a debt owed to XXXX. I do n't have any written documentation about this debt, and I contacted XXXX, the original creditor, to resolve the issue. Customer Service told me they did n't have any record of my owing them, and they searched my email addresses, telephone numbers, and physical addresses. Then, they transferred me to Credit, and that employee told me I had to contact the collection agency, they had no information, they sold it to CPC. I told them if I owed XXXX, I wanted to deal with the original creditor, and pay them. I was told that XXXX had nothing to do with it, I needed to call CPC. I am tired of CPC calling my home, I am being harassed by CPC. XXXX is n't helping me at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: all three credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at wells fargo bank and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been trying for over 2 months now to remove a Collections Account which Experian says is mine. I have never lived at XXXX XXXX in XXXX, NJ. 
I have tried to call them and they refuse to remove it I have never lived there nor have I ever applied to rent an Apartment there. 
Please remove this item as I am trying to buy my first home, and I have never had any issues with the other credit reporting agencies, they have removed this item which XXXX is showing that I owe, which I do NOT, since I have NEVER lived there. They are also refusing to remove a false last names which I have NEVER used. I have NEVER used any other last name, except my own-XXXX. 
Thank You for your help in this matter. 

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 05/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Since XXXX 2015, I have been attempting to re-certify my income based loan. Each month FedLoan Servicing has provided incorrect and inconsistent information. In addition to bad information, the servicer took 2 months to process a request causing my loan to revert to an unaffordable amount. Additionally, the servicer refused to grant any kind of administrative forbearance for the delays they caused in the process forcing me to use 2 months of the limited lifetime forebearance on the account to ensure that their delays and misinformation did not negatively impact my credit score. Furthermore, communications regarding the attempts is slow and inaccurate. Emails stating that the request has been processed have been deliver yet when I call in to confirm and make a telephone payment the agent says it is not the case. Traditional mail correspondence often take 6 weeks to arrive and then arrives without detailed information as to why the request has been denied or delayed. Throughout the process the servicer has made no attempt to remedy the situation instead insisting I refile and use the general forbearance that should be used in case of emergencies not administrative incompetency. There is no reason the a re-certification should take 7 months and XXXX different applications and still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (WY).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted a complaint to the CFPB on or around XXXX XXXX, 2016. Case number : XXXX, regarding an issue with trying to get approved for a deed in lieu through our mortgage lender Penny Mac. We received a reply from the CFPB with the response from Penny Mac. The information that Penny Mac provided as proof of their resolution is fraudulent, as all of the information pertains to another customers loan and loss mitigation. None of the information pertains to our loan or our complaint with regards to our dissatisfaction with our loss mitigation process. I contacted XXXX who is the complaint specialist at PennyMac, on XXXX XXXX, as I wanted to speak with her about the inaccurate information on our complaint, and have not heard back from her as of XXXX XXXX. We did receive an email from Penny Mac on XXXX XXXX that the appraisal is approved, and received a call from XXXX XXXX our loan specialist on XXXX XXXX, telling us we were approved for either short sale or deed in lieu, and that once submitted, we would have an answer within 10 days. We had a buyer who submitted an offer in XXXX of 2016, but due to the lack of progression with Penny Mac, and lack of response, the buyer decided to withdraw their offer. We contacted Penny Mac on XXXX XXXX, letting them know we would like to go ahead and proceed with the deed in lieu. On XXXX XXXX, I received word ( after submitting a signed Deed In Lieu incomplete Package letter, that we now are in attorney review for the title, however again as we were told in the first week of XXXX 2016, the 10 day period would not start until our package was completed, and we were not given a time frame as to how long this review period might take. the last review period with the underwriter, we were told we did n't have a completed package, and had no progression, until after we submitted a complaint with the CFPB. We are not financially in a position where we can continue to pay both our rent ( which our entire XXXX is coming out to pay as we are living on base ) as well as our {$2100.00} a month mortgage, which we are using up our savings to pay. We also are continuing to pay the utilities on the home in NJ, as Penny Mac requires it to be in good condition at the time of closing. We are tired of getting the same robotic answer, which is n't even an answer, and are extremely afraid that this next " review '' period will again continue to take months. Also our other major complaint is that the CFPB was lied to with regards to our previous complaint, and that the information provided to the CFPB was factually inaccurate and did n't even pertain to our loan or loss mitigation request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I did not apply for

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Medical) with TekCollect Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Debt was sold to a third party and i did not give permission to release my information to a debt collector. I am allowed under HIPAA to protect my privacy and medical records from third parties. Also the collector is not license in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, My case number if XXXX am XXXX XXXX XXXX XXXX, XXXX could not find a tab to follow up on the case number above. 
I did not dispute the outcome because Nationstar said they would move forward with the foreclosure on my house at XXXX XXXX XXXX, XXXX, NJ. They said they would do this in a letter addressed to my attorney ( they never did send the letter to him ). I forwarded the letter on to my attorney. I have not heard from them once since XXXX, nor has my attorney. Can you please help me with this? 
This has been going on since XXXX of 2009. The house was destroyed in XXXX XXXX, Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I am disputing the US Bankruptcy Court of XXXX XXXX XXXX of California with their office and as well as the credit bureaus XXXX, XXXX and Transunion. The XXXX major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.

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 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: MRS BPO , L.L.C . contacted me by mail, on XXXX XXXX, 2016, and identified the debt as {$1800.00} owed to XXXX, MRS ACCT # : XXXX ; Current Creditor Account # : XXXX ; Charge off Date : XXXX/XXXX/2016. 
I do not have any responsibility for the debt, have never owed XXXX any money, and confirmed this with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these items with all three credit bureaus. I sent the disputes off by certified mail.

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 12-02-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: on XXXX XXXX i called and report my card was lost.some one use in for around XXXX $ and the city bank told me they will get me temporary in 10 day and i called them again in 10 days and they told me the reject my case because the was not police report in my case so i went got my police report and i call them and again they told me it need to be fax and i did fax them and they told me its take 10 days to see my temporary credit .i call them after 10 days again and i told them whats happens and the said sorry we cant help you.really???

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 10/13/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I signed up for XXXX so sometimes the people email me about working for them and XXXX or being a my for their child. I had received a email XX/XX/XXXX saying that someone wanted me to contact their sister because she 's interested in me being a XXXX for her child. I emailed the email she had gave me giving them info about who I am and my experience in XXXX XXXX. I received a email back the same day and it said they 're interested in my working for them and being XXXX for their child and that they are on vacation in pureto rico right now so I would n't be XXXX until they came back. I was told I was going to receive a check they wanted me to cash and take my first weeks pay and send XXXX to the " landlord '' for Their house. When I received the check in the mail the next day I went to the back to cash it at Santander and I was told it would take a couple of days to go through. I went back the next day and met wit a lady there and she told me the check was fake so I texted the number I was given in my email and said that the check was fake and the person kept denying it and while I was texting the person I was still with the lady and she told me to prentend like the check went through and lie to the person so that they would send me the account number and so the person can send the account number so they could track who sent me the fake check. But the person did n't send the number so I told them I will be reporting it and I hope they have fun getting locked up. I 'm on here because I go to XXXX XXXX XXXX in Vermont so I 'm nowhere near XXXX XXXX in XXXX where I was when the incident occurred.

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