milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (PA).
Issue: Trouble during payment process

Complaint: I submitted a request in writing to Freedom mortgage on XX/XX/2017 to have the PMI taken off of the account. That day I spoke with a representative who said everything on my account met the requirements to have PMI removed. We have paid the mortgage balance to 78 % of the homes value, we have never had a late payment, and we have had the mortgage for almost 3 years. I called back a week later and was told to submit the request again, which I did through a written email. The company acknowledged on XX/XX/XXXX that they received my request and were working on it. I called in a few times and was told by 3 different representatives that my account met all of the requirements and they were not sure what the hold up was. I was also advised by all three representatives I would receive a call when the decision was made. I called again on XX/XX/XXXX and was advised that the PMI was declined because I had not had the mortgage long enough, we needed to have it for at least 5 years. I was also told that we needed to pay the mortgage to 75 % of the homes value. I cited the 78 % as stated in the Home Owners Protection Act and was advised that the 75 % requirement was Freedom Mortgage 's requirement. I called back later that day and asked for a supervisor who was really not able to explain why it was declined. I then asked for his supervisor and was told no one above him was in and that I would get a call back in 24 hours at most. That call never came. I called in again on XX/XX/XXXX and spoke with another supervisor. This supervisor told me he did not see a request was ever put in for PMI removal and I needed to start the process again. I asked for his supervisor and again was told there was no one above him there at the time. I was again promised a call back within 24 hours. It had been 5 working days since my first request for a supervisor call back and I still have not heard back.

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. XXXX, XXXX, nor Transunion has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: My data was breached on Equifax. 

Why is Equifax charging me {$10.00} to place a credit freeze on my account? They should make it free and also compensate me for the charges for credit freeze fees I have to pay to XXXX and XXXX. 

If not, Equifax stands to make > 1 billion dollars on their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: They have failed to work with me period. I cant afford the payments and all i get is threats and no help. They are naveint

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Vehicle loan or lease (Loan) with COOLEY ENTERPRISES INC (TX).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: On X/X/2017 I called Clay Cooley aka XXXX XXXX to pay my {$23.00} late fee for XX/XX/XXXX and make arrangement to pay on X/XX/17 I was advised they will reset gps that was beeping as reminder and can not accept payment due to the loan being sold. I asked if this is legal and express my concern that I have not sign any contract with anyone else and was not notified by Clay Cooley that this was going to take place and has via phone call or mail. She apologized and provided me with contact number and name of company that has my contract of XXXX XXXX XXXX. I called and advised I did not feel comfortable speaking with them and feel I should not have reached out for I have no signed contract with you and uncertain that this is legal, the rep then advised that a welcome letter was mailed and I should receive by the weekend and I can make arrangement to pay as I was with Clay Cooley for XX/XX/XXXX. I again expressed my concern and advised I will look over my contract with Clay Cooley and what every you mailed, try to seek attorney advise and revert back if that 's what I should. Is this legal, I did not see anywhere in my contract that Clay Cooley can sell my obligation. I 've attached a copy for review. Regards, 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 explanation
Consumer complaint received 11-05-2017 about Debt collection (Mortgage debt) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Bayview Loan provided a response to a complaint filed with Cfpb which contained inaccurate information : Stated Debt Validation was provided, but only provided THE EXACT SAME, original debt letter with a different date. Bayview then proceeded to immediately collect on the debt and provide Cfpb with a letter stating they addressed the issue. I have provided both letters, originally dated XX/XX/2017, and response to my request for validation, XX/XX/2017. You will notice both letters are the same. 

Bayview Loan failed to credit two payments as the date received, instead of misrepresenting the received date. I am providing proof of receipt of both XX/XX/XXXX and XX/XX/XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Coast to Coast Financial Solutions, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt should have never gone to a collection agency because there was no debt. XXXX did not know anything about this until I was getting a loan at the bank I have excellent credit. When I saw this collection from coast to coast for XXXX I investigated and found out alarm services turned in a collection saying I owed them XXXX for a digital monitor the equipment. I gave proof to them that both the monators were sent back and signed for by them on XXXX/XXXX/2014 with XXXX. serial numbers XXXX and XXXX Then the collection sent me an invoice trying to collect for it going to the collection agency which it should not have gone in the first place of XXXX saying this is a settlement offer. I told them that I was not going to pay for something that should have not gone to them in the XXXX place. Then they send me another invoice from coast to coast for alarm monitoring services for the amount XXXX that they are saying I owned them again. In the XXXX place I never got notice of oweing them anything in 2014 then they said it was for equiment they did n't get which I proofed to them they got which XXXX of there equiment was in XXXX package, how did they get XXXX without out the other, then they said it was canceling without notice which I gave them notice. This company has messed up my credit with there lies. I have all the paper work with this if you need it I can mail it to you I do n't know how to put it on here. I sent this to the XXXX and made a complaint to them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit determination

Complaint: I want to open a complaint against the following XXXX department Store there reference account # is XXXX. I have been since the beginning of the year 2015 asking for a SIGNED CONTRACT DATED by me. They have not sent me any information since. I have asked also all three credit reporting firms for proof of this account. I understand that All 3 credit firms can not supply. But I have asked XXXX for valid dated signed proof more than 5 times since the beginning of the year. NOTHING!. All they say is " yes this account is yours '' I go back to them telling them these letters are not enough, I WANT A COPY OF THE CONTRACT WHERE I SIGNED AND DATED PERMISSION TO OPEN THIS ACCOUNT. Please I need help. This is hurting my credit report. I am starting a new clean plate on this issue doing this online with cfpb, I have spent a large amount of money, I have asked everyone for proof. The amount of letters - paper ink wasted on asking these people for valid proof. Please someone in this firm help me ask this company for valid signed proof. If they do n't have my valid signature, then remove this from my credit file immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All items on report are not mine.

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 10-06-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: To whom it may concern, I would like to initiate a claim against Bank of America Home Loans XXXX contact XXXX XXXX XXXX XXXX XXXX XXXX Manager ) for the following reason : - I refinanced a mortgage loan with Bank of America Home Loans XXXX 
- As requested several times, Bank of America Home Loans failed to effectively work with the title company and I didnt receive the XXXX until it was presented to me by the Tittle Officer at closing. 
- I will submit proof to this agency supporting my claim. 
- ( I have saved ALL emails / communications with Bank of America Home Loans, should these be required as part of your investigation ). 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (NC).
Issue: Trouble during payment process

Complaint: BSI has failed to apply payments to the outstanding loan obligation pursuant to the provisions of Uniform Covenant 2 of the Deed of Trust, and the Periodic Payment Rules of Regulation X, which provide that payments must be applied in the following mandatory priority order of application : 1. Principal ; 2. Interest ; 3. Escrow ; 4. Late Fees ; 5. Other Charges or Advances approved by Applicable Law ; and 6. To Reduce the Outstanding Principal Balance.
Additionally, BSI has seriously mishandled the escrow account in this matter. Courts have recognized mortgage servicers breach of fiduciary duty in escrow mismanagement. The overarching errors are : A. Failure to board the current, newly modified loan and escrow balance properly in XX/XX/XXXX, leading to an inaccurate XX/XX/XXXX escrow analysis & resulting dramatic increase in monthly PITI payments and late fees and improperly reflecting account was in default and filing foreclosure.
B. Collection of insurance escrow from XX/XX/XXXX through XX/XX/XXXX yet failing to disburse those funds for borrower 's annual XX/XX/XXXX insurance premium, forcing her to pay it herself.
C. Failure to properly investigate and respond to borrower 's notices of errors and attempts to resolve this matter with BSI.
Please see attached Notice of Servicing Error for specific details regarding the errors and failure to timely investigate and correct. To date BSI has not provided a response to the XX/XX/XXXX Notice of Servicing Error.

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. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I spoke with XXXX XXXX around XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. They called to resolve a debt that I have with a XXXX Credit card. I agreed to pay XXXX installments of {$180.00} on starting on XXXX/XXXX/2015 followed by XXXX more payments taken out on XXXX/XXXX/2015 and the last payment on XXXX/XXXX/2015. I agreed to terms and hung up the phone. Later the same night I received an alert from my bank that a transaction was declined of {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Credit card) with Johnson Mark LLC (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I was sued by XXXX XXXX XXXX for credit card debt. All funds in my checking/savings accounts garnished. I was solicited and brought into a binding contract with the original creditor as a minor. Credit report shows false information regarding my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I spoke to XXXX in the re-entry team on XXXX XXXX and he advised Wells Fargo will not open a modification review because it is 3 years past due with a previous modification review decision. The home owner has had a change in circumstances. The previous review was denied with a monthly gross income of {$2600.00}. The income has increased to a gross amount of {$3300.00}. This makes the homeowners debt to income ratio 34 % and a monthly surplus of {$350.00}. This homeowner has never been modified and can now afford her monthly payment. There is a foreclosure sale date of XXXX/XXXX/16 and needs a proper modification review.

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 02/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my credit reports they have me down as having a bankruptcy charge and it 's incorrect and because I was late on a couple of bills my name was put on the bad credit list! After paying them off I 'm still on the bad credit list and I paid them off on time in fact early. So what can I do to get my name off or fix this problem please help me. Thank you for your time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: i disputed XXXX accounts with experian and they ended up sending them back verified, so under my right under the fcra i had sent in a letter certifed mailed wanting a summary of how the got the information to actually verify the account, under the fcra law they are required to provide the consumer with a description of how the investigation was conducted and what resources they used to verify the accounts, the fcra code is ( FCRA Section 611 ( a ) ( 7 ). ) it states that they have to provide this information no later than 15 days after they receive my request, and they clearly did not all they sent me back was there letter saying they will not investigate these accounts again so as of now i am 100 % positive that they are in violation of FCRA Section 611 ( a ) ( 7 ).

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 04/21/2015 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Other

Complaint: I have been disputing a credit card account with Chase Bank and I sent them a Letter asking for the credit card agreement bearing my signature, the date it was opened, and the date of the first delinquency and they sent me a letter back stating that they could not provide me with any of that information because they sold the account. But when I dispute with XXXX, and XXXX it comes back as verified. Chase Bank is not able to verify this account so they are NOT GIVING ME MY DUE PROCESS of the FRCA and are reporting false unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Mortgage debt) with FIRST CONTINENTAL MORTGAGE LTD (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a letter from First Continental and XXXX XXXX on XXXX2018 in regards of Denial of VA Loan Modification in which I have sent to Department of Justice XXXX XXXX and Federal CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My complaint is with the Credit Bureau XXXX, XXXX and Transunion. There is a collection company called XXXX XXXX XXXX XXXX that was moved off my credit report last year with the same account and same balances that the company did not provide or have validation for. They were trying to collect on an account that was suppose to be sent to Medicaid because I am XXXX and receive medicaid. This company was removed last year and it is illegal for the credit bureaus to put this back on my report. I don't know if it's a miss up due to the XXXX breech, but this needs to be investigated and removed. Or I will seek legal counsel.

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 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Hi Equifax got my wrong date of birth from some sources.     To correct it I have sent  XXXX  documents (  DL & SSN )  to Equifax on   XXXX   XXXX  .     They confirmed over the phone they will update within  48 hours  but after even  one week they have not updated my DOB their customer service has no tractabilit y about all the document and they are completely clueless why they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Equifax is not providing me approriate verifying information in an investigation provided by a company by the name of XXXX XXXX. They are reporting on my credit report a bill from XXXX XXXX without supporting documentation that it was me, ex. signature, procedure, etc.. I have sent three seperate letters asking Equifax to remove from my report if they can not provide me supporting documentation into the investigation verifying that this said bill is me. Under FCRA I have a right for supporting documentation of an investigation. It is also stated on their reply letter of that request, stated ( Notice to Consumers ) Dates are XXXX and amount is {$420.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Managing the loan or lease

Complaint: This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company response to consumer: Closed