milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I requested a debt validation to prortfolio recovery and they only send me a debt verification on XXXX XXXX certified mail with the confirmation number XXXX and a return to sender that was received on XXXX XXXX by XXXX XXXX. 

I received the verification letter on XXXX XXXX on the mail. 

On XXXX XXXX I resend them a letter that stated to send me a validation of the debt, the letter was send via certified mail with the confirmation number XXXX and they received on XXXX XXXX by XXXX XXXX and prortfolio recovery never respond to my certified letter

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: The lender has been sent a notice of error and QWR that needs a response on and the sale date is set for  XXXX / XXXX /  XXXX   - the lender needs time to respond to our request and postpone the sale date to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Filed a complaint a couple of days ago about my mortgage with Bank of America. Today I had XXXX call me and offer a lower rate, principle reduction and reduction of years for my loan that they have. 

My original loan if with Bank of America for {$XXXX} back in XXXX/XXXX/XXXX. I had XXXX loan modifications. One in XXXX in which they raised the principle to {$XXXX} ( which I was told you can not do ) and made it a XXXX year loan. There is no record of this by the way. Then in XXXX XXXX, I did another modification to get away from the previous modification which was ridiculous. 

Today, the XXXX person informs me that I owe nothing to Bank of America. XXXX balance. The debt I owe at the courthouse is to Bank of America for {$XXXX}. BOA had to right off a certain amount of first and second mortgages due to fraud. BOA made it look like I had a XXXX mortgage when in fact, I DID NOT. There is paperwork at the courthouse ( I sent it in my previous complaint filed ) stating that my mortgage has a full release of real-estate mortgage dated XXXX. This XXXX person then informs me that I had XXXX mortgages through BOA. One is dated XXXX/XXXX/XXXX and then he stated the other XXXX XXXXs dated XXXX/XXXX/XXXX for {$XXXX}!!! I only had XXXX mortgage in XXXX with them. No second mortgage in XXXX of XXXX either!!!! 

I do n't know what I have to do to get this straightened out. Someone please help me. XXXX is a debt collector. They guy argued and said it was a mortgage company. It states that on the answering machine, when they leave messages for me, that they are a debt collector. I informed the guy of that, then he agreed. They are trying to collect debt from Bank of America that I do not owe. It states XXXX XXXXn my account balance!!! The guy from XXXX then said he fully understood about my situation and was not going to offer me any deals on my loan. " You probably do n't need a loan now. '' I asked him to send me the paperwork that he was reading off to me about my loan ( having XXXX of them now ) and he said he could not. Seems to me now, XXXX has created a different loan? and still collecting money?!!!! 

I am desperate and Bank of America has put me through XXXX and back. I have enough struggles being the guardian for my husband who has a XXXX XXXX. He is the one who put me in this situation in the first place! 

Please look into this matter further.

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 10-12-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: I am being reported as 30 days past due by Ally Financial for XXXX incorrect months to all three of the major credit bureaus. I was told by Ally Financial that I fell behind 30 days past due for the month of XXXX but it is currently being reported for the month of XXXX and XXXX. I have been contacting them since XXXX in regards to the mistake and they have failed to fix this as it still shows the incorrect months. I disputed the information with them again on XXXX XXXX and it is now XXXX XXXX, 2015 and they just keep telling me they are working on it. According to the ( Fair Credit Reporting Act ) a company has 30 days to respond to a dispute and they have still failed to do so. I was never 30 days past due as my account was refinanced with them and all months were rolled over to the new contract. They are taking their time to correct the error and has not did anything to fix the issue and only makes excuses to buy more time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Nearly two months, I mailed Experian a letter asking them to correct errors on my credit report. Nearly 2 months have past, and I have yet to receive a response from 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 08/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan began in XXXX of 2016 with the first payment being sent to the original mortgage company of XXXX XXXX XXXX on XXXX/XXXX/16 ( Due XXXX/XXXX/16 ). 

On XXXX/XXXX/16 PHH Mortgage sent notice to me that they had purchased the loan on XXXX/XXXX/16. Beginning XXXX/XXXX/16 I began receiving 2-4 phone calls per day from PHH Mortgage representatives demanding that I make two mortgage payments immediately. They insisted they were owed the first payment that was due XXXX/XXXX/16 ( which had already been paid to XXXX XXXX XXXX ) as well as the second payment which was not due until XXXX/XXXX/16, 15 days in the future! 

I explained to your PHH numerous times that the first payment was already paid to the original mortgage company and that the second was not due for another 15 days. I still received 2-4 collection calls every day. On XXXX/XXXX/16 my bank, XXXX, sent payment for the payment due XXXX/XXXX/16 to PHH and it has been confirmed as received. I still receive 2-4 collection calls each day demanding I immediately make two additional payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax caused my personal information, including sensitive information like my social security number to be improperly stored and accessed by unauthorized personnel. The fact that the executives sold their stock before disclosing this data breach speaks to the lack of ethical leadership within the company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with HOME AMERICAN MORTGAGE CORP. (CO).
Issue: Closing on a mortgage

Complaint: We are buying a new home through XXXX XXXX XXXX in XXXX, Colorado. When looking at the home, we were told that they had an incentive plan in place that if we used their affiliate Home American Mortgage Corporation for our mortgage, they would finish our basement free of charge. On the contract, they valued this incentive at {$37000.00}. At the time, I told the sales associate that I was uncomfortable with using them without knowing them because I feared for what they could do with our interest rate or points if they wanted to make up for the incentive. We were told that their prices and rates were very " competitive '' by the loan officer we were appointed at that time. We signed the papers, and are now coming up on our closing date. On XX/XX/XXXX, we were emailed by our new loan officer ( our old one who told us their rates were very competitive had retired ) stating that the government shutdown could effect our rates in a positive way. On the XX/XX/XXXX, we were emailed again by our loan officer that the shutdown did not effect our rates in the way that they'd hoped, and to let him know when we have a closing date so we could lock in the loan. On the XX/XX/XXXX, our builder XXXX XXXX XXXX sent an email with us and our loan officers copied stating that we had a closing date of XX/XX/XXXX. We believed that since our loan officer was on the email and told us as soon as he knew the closing date he would lock in the loan that it would be locked in at that point. However, I had to send a follow-up email asking what the rate would be on XX/XX/XXXX. Home American Mortgage Corporation is now stating that the rate on XX/XX/XXXX when the loan was locked was XXXX, which is XXXX higher than what the average rate is today and the rates have done nothing but climb since XX/XX/XXXX. When I asked them for the history sheet of their rates, and compared their rates to the 10 year treasury, they said their history is for internal use only, and that we were not allowed to see that information. Are they really allowed to pick and choose whatever rate they want, even when we have email documentation that the rate should have been locked in on the XX/XX/XXXX and that the rate according to the 10 year treasury on that day was XXXX? We are just looking for information that can help us out in any way since I believe they are trying to make up for the incentive by giving us an astronomically high interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Billing statement

Complaint: Bank Americard VISAs charging me for XXXX flight XXXX from XXXX to XXXX which took place XX/XX/2016 and returned XX/XX/XXXX. The flight was actually paid for through my XXXX card and the flight taken. Originally I attempted to book this flight on-line through a travel site called XXXX. My Visa card was denied twice by XXXX. I called both Bank Americard which said the card was fine and the travel site which said it was not their problem. Because my trip to XXXX was urgent to visit my XXXX sister, I switched to another on line travel site XXXX and booked the flight using my XXXX card. The booking was confirmed on XX/XX/XXXX, I was sent an XXXX and subsequently took the flight. I also called Bank Americard to make sure my VISA was not charged ... I believe right after I received the confirmed booking. Visa indicated my credit card had been charged and they would begin an investigation. 
I received letters from VISA Bank Americard on XX/XX/XXXX assigning me a case number and identifying a Ticket number ... the first time I was aware that a ticket might exist. On XX/XX/XXXX I received another letter from Bank Americard saying they could not resolve the dispute. The letter contained the following statement : " The merchant was willing and able to provide the service, but was prohibited from doing so as a result of circumstances beyond their control. I asked for clarification about what this meant but the customer rep refused to reply. I received still another letter on XX/XX/XXXX repeating this explanation and demanding that I pay for the ticket. At not time did I ever receive a ticket or booking confirmation from either XXXX or XXXX. In my discussions with XXXX the customer service rep indicated they had been paid by XXXX and not Visa and I should take my dispute to the travel site. I have talked to the travel site twice but have not heard anything. They seem to be a shell company owned by a XXXX, apparently standard among on line travel sites. Please note I previously paid for the XXXX flight using my XXXX card and took flight XXXX to XXXX and return. I never ever received a confirmed booking from XXXX for the same flight i originally attempted to charge to my Visa BankAmericard. It therefore seems outrageous that I am expected to pay {$960.00} for a flight for which I never received a confirmed booking or XXXX. Someone in this convoluted affair is disassembling. Bank Americard maintains they paid XXXX, although XXXX stated to me they had only been paid for XXXX ticket with my XXXX. The Travel site XXXX refuses to say if they were the recipient of a Bank Americard payment. I have spent countless hours trying to resolve this problem. I can not. Please help me get the disputed charge of {$960.00} off my Bank Americard Visa. Thank you. XXXX thr after i received a message through a travel site XXXX through which I and

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I contained  XXXX , specifically  XXXX   XXXX ,  XXXX  XXXX  XXXX ,  XXXX . I reported a discrepancy on my credit report. Not only did they NOT respond in  thirty ( 30 ) da ys, they have refused to delete the item even though   XXXX   and  XXXX   XXXX  BOTH deleted the item ... a bankruptcy.     They are to delete the item immediately or I will sue them. THEY HAD  THIRTY  DAYS AND DID NOT RESPOND. EVERYTHING WAS SENT CERTIFIED AND I HAVE COPIES OF ALL INCLUDING BUT NOT LIMITED TO THE CONFIRMATION THEY RECEIVED THE DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (FHA mortgage) with SYNCHRONY FINANCIAL (MI).
Issue: Application, originator, mortgage broker

Complaint: G.E. Retail Bank place in collections # XXXX an amount that was already settled. See attached documents. Sloppy and erroneous credit reporting prevented me from obtainingthe credit score needed to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX-credit limit not two accounts with a balance XXXX still showing on report-XXXX card-XXXX XXXX card. Age of credit history not current.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with Professional Debt Mediation, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection agency is listed as " XXXX '' on my XXXX credit report. I have no idea what agency this is or what the debt is in regards to. I have disputed this collection with the credit bureau, but to no avail. How can I research this if I do n't even know the name of the creditor? Mysteriously, this debt showed up as I was applying for mortgage loans. I have done my due diligence in trying to get this resolved with XXXX, but they are perplexed as to who this agency is also. It is not fair that a " ghost '' collection agency can add derogatory items to my report without a proper name or a way for me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The investigation came back that the tax lien belonged to me even though the social security numbers are clearly different. I had experian do the same investigation and they fixed it in two days. Equifax took three weeks to tell me it really does belong to me. I want this item removed.

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

Complaint: XX/XX/XXXX .16 - VW reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with VW Group of America.
<P/>
 XX/XX/XXXX .16   XXXX    reports FICO score dropped  XXXX  points same day as VW 30 day late report hit the bureau.
<P/>
 XX/XX/XXXX .16  XXXX  Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount )  XX/XX/XXXX .16   XXXX   XXXX   XXXX   XXXX   Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount )  XX/XX/XXXX 16  XXXX  Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have.
<P/>
Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof.
<P/>
Please help me. I do n't have money to go and hire a credit lawyer or anything like that.
<P/>
I have statements from VW showing that my account is in good standing and that it is paid off but they will not update my report.
<P/>
How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Struggling to pay mortgage

Complaint: I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT I WAS DENIED BY MY SERVICER OCWEN ON X/XX/17, I CALLED THEM AND COMPLAINED. THEY STATED THAT GUIDELINES JUST CHANGED THE PRIOR WEEK SO THEY WILL REVIEW THE FILE AGAIN. THEY SENT THE FILE BACK TO THE UNDERWRITING DEPARTMENT AND ON X/X/17 I RECEIVED THE EXACT SAME DECLINE LETTER, MY INVESTOR DOES N'T HELP HOMEOWNERS THAT ARE OVER 90 DAYS DELINQUENT. THIS MAKES NO SENSE AS IT TAKES 30 DAYS TO MAKE A LATE 30 DAYS TO GATHER THE NUMEROUS DOCUMENTS OCWEN REQUEST OVER AND OVER AND THEN THEY SEND THE FILE TO THE UNDERWRITING DEPARTMENT FOR A DECISION WHICH TAKES 30 DAYS. OCWEN PUTS BORROWERS LIKE ME OVER 90 DAYS AND THEN SAY THAT MY INVESTOR XXXX XXXX DOES GIVE MODIFICATIONS BECAUSE I AM OVER 90 DAYS LATE. THIS IS OUTRAGEOUS!!! I ASKED OCWEN THE SERVICING COMPANY IF THEY EVER SENT MY REQUEST FOR MODIFICATION TO XXXX XXXX MY SERVICER AND THE REPRESENTATIVE STATED I DO N'T KNOW, I ONLY KNOW YOU WERE DENIED NOW WHAT IS YOUR INTENTIONS WITH THE PROPERTY. IT SOUNDS LIKE THEY ARE TRYING TO FORCE BORROWERS OUT OF THEIR HOME SO THEY CAN RESELL IT TO THEIR FRIENDS " INVESTORS '' THAT ARE BUYING OUR HOMES BY THE BULK CENTS ON THE DOLLAR. HOW DARE THEY PREY ON THE WORKING CLASS TO BENEFIT THEMSELVES. I AM NOT GOING TO LEAVE MY HOUSE AND I AM NOT GOING TO BE VICTIMIZE BY CORPORATIONS LIKE OCWEN OR XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this is not mine # XXXX please remove from all XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Billing disputes

Complaint: I have an unresolved credit card dispute with USAA regarding a fraudulent transaction from XXXX XXXX XXXX XXXX in the amount of {$360.00}. In spite of documentation supporting my position that XXXX a refund in full, USAA is still billing me in spite of my best efforts to resolve the matter on the phone and on line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XX/XX/2011, XXXX changed to Navient. They also changed my terms from an affordable payment which I was making, $ XXXX/mo. They increased my payment to over $ XXXX/mo. I told them I could afford that payment. At that time my principle balance was {$7000.00}. Last fall I contacted student aid ombudsman. They told me Navient would not make options available to me. The ombudsman did tell me I could refinance with a different servicer. Navient never told me that. I refinanced last month with XXXX. After all the interest and fees Navient charged me, the new principle is over {$16000.00}. I could have the loan PAID OFF by now. Navient lied to me to keep me in the loan. They also TRASHED my credit. Thanks for your reply

Company response to consumer: Closed with explanation