milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage on a condo in FL. We have been making regular on time electronic payments for close to 22 months. In XXXX 2016 the mortgage servicing company did not post our payment. Our bank statement showed that the payment had been sent, the amount deducted and received. The transaction was marked completed by the bank. I called the mortgage servicing company and asked them to check on it. XX/XX/XXXX came and I made the payment and the same thing happened. The money was deducted but the mortgage servicing company again did not acknowledge receipt. I have made a call per week to the mortgage servicing company with no satisfactory resolution. Yesterday I received a certified letter telling me that we are in default. Today I have again made calls to the mortgage servicing company and my bank to send proof of payment.

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 08/23/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter stating the servicing of my mortgage is being transferred effective XX/XX/2016. My problem with this is I did not receive in writing until XX/XX/2016 ( 19days ) from current servicer and XX/XX/2016 ( 12 days ) from new servicer. I am currently set with biweekly drafts which will be ending XX/XX/XXXX, .... I called new service provider and explained my set up in which I am comfortable with. They informed me that I would have to repeat process of making 2 payments in one month in order to continue the biweekly draft because their system is not set up to collect half payments. This puts a bind on me and my family and undo XXXX. I really need help with this because too stay at the status I 've created will cost more money and that is not fair to a loyal consumers. Who make their payments.

Company response to consumer: Closed
Consumer complaint received 11-03-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The Equifax credit bureau continually reports old, outdated information on my credit file, particularly 1 account which was paid off over 1 year ago in XXXX 2014 is still being reported as an active collection account even though the collection agency indicated in writing that they have been reporting a paid in full status and XXXX balance. 
Also, I have tried disputing old, outdated information online, however, Equifax stops the online reporting process indicating they can not verify my identity and who I am. 
Which entity or agency XXXX credit bureaus which make their living by publishing old, outdated information, so credit grantors can make more money and profit because bad information is being reported on consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have attempted to retrieve my free annual credit report from all three credit bureaus, but the website is not allowing to access or even submit the information online to access my report. I need to be able to obtain my credit reports as soon as possible.

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 12-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested several times to have PMI removed off of this loan. My LTV is below the requirement and they refuse to remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Debt collection (I do not know) with Midwest Recovery Systems (IL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a notice from XXXX on a new collections account appearing on my XXXX credit report. 
1. I know nothing about this debt 2. I was never notified in writing prior to this debt collector being put on my credit report 3.I never had an account with the original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Payday loan) with SECURITY FINANCE CORP (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Name of Creditor : SECURITY FINANCE CORPORA Address : XXXX : XXXX, XXXX XXXX XXXX : SECURITY FINANCE CORPORA Amount : {$490.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

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 01/30/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Called XXXX XXXX XXXX today spoke with XXXX ... my loan payment jumped from {$5.00} to {$270.00} dollars monthly payment which is coming up due XX/XX/2018. I called today to see about lowering my monthly payments to something more affordable. I have a car payment and rent and many bills. The rep ask me my income, if I'm married and if I have dependents. He placed my on hold got back on the line ask me how I can afford as monthly payments then told me he can lower it to {$150.00} per month. I can't even afford that then he said the only other option if forbearance. Also I inquired about why there is a diffrence in interest accrued from navient website and from the nsld.ed.gov website and was told they might have inaccurate information but ours is up to date and current the rep stated Congress sets the rates. But he then mentioned if I have my loans on auto pay I can get a reduction on the interest rate which confused me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with I have a a unverified account from. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with SIERRA PACIFIC MORTGAGE (TN).
Issue: Application, originator, mortgage broker

Complaint: Unethical and discriminatory lending criteria.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 have submitted several written requests to Experian Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On today I spoke with a young lady who was n't even located in the United states XXXX XXXX with Equifax. I explain to XXXX that their are inquiries that are connected to my report that does NOT belong to me. She was very rude and stated " what do you want me to do about it ''? That I needed to contact the creditors because it is not their job to correct theses errors. I explained to him that I have been going back and forward about this between Equifax and the creditors and no one seems to be able to assist me with this issue. His response once again was " What do want me to do and are you done ''? Along with a CH. XXXX that continues to show on my credit which was removed and placed back.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DE).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been paying on my loans since XXXX and I am being told that I am unable to get cosigner release. Also I am unable to refinance my private student loans because of unsatisfactory credit ratings. My cosigner is unable to help me pay as he is in XXXX. In my promissory note it mentions that " auto default '' is possible if my cosigner passes away. I am currently on a 3 % interest rate reduction program and though the payments are high it is more manageable than the principal & interest or entire balance being due. Please help as the Navient representatives are not helpful at all in keeping my payments and loan account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I looked on my credit report and saw Enhanced Recovery on there for a debt I do n't owe. I sent for validation request to them and they just keep ignoring me and continue to report this error on my credit. They never notified me that they were about to report anything on my credit. Enhanced Recovery is in violation of the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 filed a dispute with Trans-union pertaining the XXXX XXXX # XXXX account on my credit report I informed them that this reporting on my credit report was against the FRCA laws XXXX Since I was never notified of this debt or intent of it going to collections which dissolved me of the right to dispute the amount being claimed or pay any debt. I attempted to contact XXXX to no avail and the one account I had with them I have no access to online at all and I have not received any communications regarding this alleged debt. So Transunion should remove this since XXXX has zero proof of properly contacting me regarding this collections item. All trans-union did was supposedly verify the account and put on my credit report that I dispute it. Which is unlawful to the laws of debt reporting and collecting, I want this removed off of my credit and I want to be contacted by XXXX pertaining to this debt. And when I tried to go to Trans-Union again to resubmit the dispute it wont allow me to

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Other mortgage) with Fay Servicing, LLC (FL).
Issue: Settlement process and costs

Complaint: XXXX XXXX XXXX XXXX lender Fay servicing # XXXX need bank to alleviate the extras fees and expenses that was added for my primary loan for the amount of {$270000.00}. now owing apron {$350000.00} plus {$17000.00} due at the end of XXXX years. Take in consideration this loan had a second mortgage for {$69000.00} that was settle with collection agency. 

Please know that I Purchase property XXXX on XX/XX/XXXX for {$340000.00} XXXX ( second ballon mortgage XXXX ) {$270000.00} ( first ) and {$69000.00} ( second ) I have been trying to be qualify for loan modification since XXXX since that time my primary lender XXXX sold loan to XXXX XXXX XXXX since then I been working with lender for a loan modification ; I Was placed several trials and after handwork and disputing with the bank who took five years to modify my loan I finally got it. In the middle on the XXXX loan to be modify XXXX XXXX XXXX sold the XXXX loan to XXXX mortgage and took long time to finally modify first mortgage. The XXXX mortgage was sold to a collection agency for {$88000.00} approx I thanks XXXX I negotiated and settled the account XXXX Now XXXX added lots junk fees and other fee that not sure where was coming from that make me to dealing with a predator lender bank is adding all the junk fees back to the loan making me owed more that what is the property worth at the current market.. I owed according to XXXX XXXX XXXX approx $ XXXX all modification paper was sent I contacted lender to explain to me in detail where all this extra fees were coming from ; why my loan is more than previous balance when was originated. i understand that was late on my payment but was not my fault when i was paying my trial and bank took long time to finalize the loan modification. Adding too much money for a property is still underwater and now more than previously. I feel that XXXX XXXX is a predator lender and put me in an very bad financial situation. it feels like will never pay this loan its balance will never ended.. Finally I received a letter where XXXX XXXX XXXX sold the loan to Fay financial servicing like it was a brand new loan with a extremely higher amount.. Would like to know if this is not what we call predator lender and why XXXX XXXX XXXX penalized me so hard increment my loan where it would never be paid. An asking the CFPB to please help me to investigate why XXXX XXXX XXXX charged me so much on extra fees making owing more on a property that will never recap its value.. I need to get some reduction on this overcharged /junk fees amount now I have been charge with.. Also my current monthly payment will be increased for the next 4 years to a monthly payment that probably could not afford. 

any help will apreciatethank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I submitted a dispute in XXXX to XXXX Equifax and XXXX. XXXX completed their investigation and found out XXXX of the information that I disputed should not have been on my credit report. They removed, updated and corrected the information. XXXX has not done the same. Equifax refuses to fix my credit report. They have information on their that 1. does not belong to me and is incorrect ex. pucblic records, XXXX and XXXX investigated and removed. I pay for a monitoring service from all XXXX. They should update from the other 2 credit reporting agency. My XXXX score is XXXX with XXXX. XXXX XXXX is XXXX and equifax if a XXXX. That is unacceptable. Equifax and XXXX should be reporting the same as XXXX who took the time to investigate and provided the correct information. My financial situation is severly getting affected because of Equifax and XXXX. Please have Both equifax and XXXX update my credit report as XXXX did. All information on XXXX is correct. I am also attaching all XXXX of my current credit reports so you can see how bad equifax is. I only had to call and dispute once with XXXX. I called Equifax 15 times and disputed about 10 times and they still refuse to do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EQUIFAX, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Willful non-compliance as per FDCPA 807. False or misleading representations 15 USC 1962e On ( XXXX/XXXX/XXXX ) I wrote to ( Equifax ) to request verification of a BankruptcyXXXX regarding CA FED BK-XXXX Ca. XXXX, which they have been reporting to the credit file. I formally disputed this claim. I not only disputed this claim for verification and validation this Bankruptcy within 30 days of receiving my certified letter ( receipt number XXXX XXXX XXXX XXXX XXXX XXXX ) received on XXXX/XXXX/XXXX. Equifax not only failed to provide me with verification, they did n't respond to me at all and continue as of today XXXX/XXXX/XXXX to still report to the credit bureau, which has been detrimental to my credit score for a Bankruptcy they were not able to verify. Let me explain. 

I am including all documents to show that Equifax is making false statements and representation. First off Equifax did not respond to me since XXXX XXXX, XXXX i included my receipt to my certified letter. Before I sent another dispute to them prior I had put security freezes on XXXX, XXXX, XXXX, XXXX XXXX have documents to show proof if needed. ( see dates ). 

I have also included the letter from the XXXX Court stating that they do not report to any Credit Bureaus. I have also included the letter I received from Equifax stating they verified it with XXXX XXXX after the time the security free was started " How is this possible which has been detrimental my livelihood and my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Other

Complaint: i called american express about some scam companies i paid for an at home business.they would only open up a few disputes for me .it really bothered me because services were not rendered.i know they can go back further than 60 days.the first charge happened on XX/XX/XXXX.for XXXXthe merchant was ie plexus.then i paid XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX how could they only help me with the last XXXX. american express declined to help me with the others.other people have told me amex has gone as far back as 2 years.ifeel i am being but off as a consumer.speaking about this in the same phone call they opened disputes for me all the way to XX/XX/XXXX.what am i supposed to think? on the third one the merchant was XXXX.they charged me XXXX on XX/XX/XXXX and they would not open it up.how can they open XXXX and not the other. the rules must be the same.i talked to a rep called XXXX who did not seem to responsive to my situation.amex is not treating me fairly .these companies have broken several laws, telemarketing and federal, yet there allowed to have a merchant account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (FHA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (MD).
Issue: Trouble during payment process

Complaint: I have been in communication with my mortgage company, PrimeLending since XXXX of this year about suspected fraudulent activity by PrimeLending. Attached is the last letter I have submitted to PrimeLending on XXXX XXXX, XXXX by Certified Mail # XXXX. They have refused to address my concerns with silence and have continued to seek the monthly mortgage payments, nor have they addressed my letter prior to that seeking explanation for a purported loan from Primelending and proof with a copy of a check showing Primelending loaned me anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Loan modification,collection,foreclosure

Complaint: We have applied for HAMP at least XXXX times with Wells Fargo Home Mortgage. Each instance, they have offered us a " refinancing '' option that was impossible to agree to. We were told each time that deciding on the refinancing option would NOT impact our application for HAMP. However, each time we declined the refinancing option, we were then notified by Wells Fargo that our HAMP application was rejected because " you withdrew your request ''. This is not true. We rejected the refinancing option. NOT the HAMP application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with KelKris Associates Inc (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: KelKris ( XXXX Credit Bureau Associates ) drafted a Stipulation to Set Aside Default and for Settlement and Entry of Judgment to discharge a debt filed against me. The company 's attorney negotiated an amount of {$4200.00} with my attorney, I accepted it, and sent them a check in keeping with their instructions in the Agreement. Now they are reneging on it saying the {$4200.00} was in error. Now they are saying they want {$6700.00}.

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