milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Incorrect information on your report

Complaint: I called XXXX XXXX XXXX to make a mortgage payment around XXXX/XXXX/XXXX. They informed me that my mortgage was sold to Carrington Mortgage on XXXX/XXXX/XXXX. Carrington never called me. I called Carrington on XXXX between these dates to get information to make a payment. They told me that they were going to mail me paperwork. I received their paperwork on XXXX/XXXX/XXXX. Thank goodness I made a payment on XXXX/XXXX/XXXX through their automated phone system because I was concerned I would n't get their mail before the 30 day period. I called Carrington again today XXXX/XXXX/XXXX because I noticed they did n't report to any credit agencies of their mortgage acquisition. They told me they ca n't report until 60 days because of the RESPA laws. I asked them to provide me information about this and they said they could n't and that I should just research the RESPA law. My credit score has been negatively impacted because of insufficient  information being reported to the credit agency. Please help me get Carrington to  report to all credit agencies regarding my on time XXXX payment by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 

XXXX XX/XX/2015 Banking XXXX XX/XX/2015 Banking XXXX XX/XX/2015 Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.

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 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Quick Click Loans, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are multiple layers of issues with this account that start with it being opened without my knowledge. 

Once the account was opened and I was aware when the collection process started. Multiple requests for copies of lending documents, application documents and supporting authorization were requested however QuickClick responded that I needed to register online, which I did and no documents were available. I went back to the lender and requested again and was told these were in archive an were not available. They indicated they would take me to court for various charges including wire fraud, and I provided all current contact information. Nothing materialized except further collection threats. At one point a settlement was requested due to the 96 % interest rate increasing the " payoff '' well over 20K however they said to send in XXXX and the rest would be cleared. QuickClick refused to put any settlement in writing. 

It has now been nearly 7 years and the account should be coming off my credit report as I am preparing to buy a home. However QuickClick is now falsely reporting the payment history. This account has had no activity since XX/XX/XXXX. Therefore the account would have gone 180 days delinquent XX/XX/XXXX. Unfortunately this company is now falsely reporting the payment history on this account by updating the payment month that is exactly 4 years ago to XXXX from XXXX  forcing my credit score to drop due to what appears to be recent account history. Each month I watch my score increase to over 600 and then when they report this updated payment my score then drops to about 570. 

I do not own this account and the lending company has been unable to provide any documentation.

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 04/22/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Settlement process and costs

Complaint: My home was in the process of Foreclosure with Green Tree Servicing we were able to get it modified and save our home in XXXX we received the final modification our unpaid principal balance was $ XXXX and on top of that they said we owed New Money of $ XXXX that brought the New Modified Amount to $ XXXX how is that possible, I thought the XXXX Loan Modification was to help us? Our Payments were to be {$1300.00} for the first 5 years then it will go up on the 6 year and then go up again XXXX20 years and on the 21 year need to make last payment in the amount of $ XXXX which its impossible. Also now every month my payments have been going up XXXX was {$1300.00}, XXXX & XXXX {$1300.00} and now XXXX is {$1400.00} I called Green Tree and they were Nasty and told me the increase were fees that were for Repairs ( which no one has come to repair anything ) also attorney fees, they never sent us a letter or did we authorize them for these fees and they are withdrawing it from my bank automatically without our authorization since we only authorize the original amount of {$1300.00} monthly. They refuse to help or even give me proof or remove these charges they are just scamming me. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Payoff process

Complaint: This has been a headache since I obtained the card. Making a payment is a big inconvenience and has resulted in unnecessary fees. Now I am trying to reach someone at the company to discuss pay off options and I keep getting the run around. I have spoken with several representatives and NOONE has aided me on my nightmare. After 4 hours of begging for information on how to reach someone I was told they were closed and to call back. I just want to settle my debt and move on but the company 's customer service reps are making this impossible. Tgere is no corporate number or email either for contact.

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 05/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX title company overpaid my mortgage loan payoff at closing on XXXX/XXXX/2015. I contacted the servicer/lender ( OCWEN XXXX XXXX ) in writing via their on-line support on XXXX/XXXX/2015 and requested a refund of the over-payment. I received a secure confirmation of my request on XXXX/XXXX/2015 from their system. The servicer/lender did not process the refund until XXXX/XXXX/2015 in violation of the regulation. I have not received reimbursement as of XXXX/XXXX/2015. 
XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ;

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Started in XXXX when I purchased my XXXX home. In late XXXX XXXX I lost my job. I made every attempt to get help with my mortgage from Bank of America with no luck. XXXX I filed for bankruptcy in attempt to get out from under the house. It was discharged early in XXXX. Late in XXXX Bank of America took possession of the house with no notice or warning and did not foreclose on the property. I thought this was a normal course of action as this was my XXXX home and bankruptcy. Fast forward to late XXXX I am served with a summons to appear in court for HOA Fees on the home that I had n't been in for over 4 years. I tell the HOA there must be some mistake since the bank owns the home. They said contact the bank. I contact Bank of America and they apologize for locking me out and provide the key code so that I can move back in. They say that they will work with me to modify the mortgage after I move back into the property. Once I moved into the property they served me with foreclosure paperwork. At the mediation I asked for modification, cash for keys, or deed in lieu. They denied all of those things. They continually give me the run around. 
I forgot to mention that not long before the lock out there was a tornado in my area that caused damage to the roof and siding. My insurance cut a check but I never got the repairs since I was locked out. Now I ca n't get insurance on the property until the repairs are made and the insurance will not cut another check. Also, under Bank of Americas watch several pipes burst and caused damage to the home and possible mold. 
So now I have this house in my name that I ca n't do anything with and is causing me more and more money at every turn. I ca n't sell it due to the HOA liens that BOA refuses to help with.

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 04/22/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: What do you think would be a fair resolution to your issue? 
should have forbearance from XXXX to XXXX ( when I became employed ). 

Then from XXXX, I would be due the outstanding balance and be back on my original loan. 

However, Freedom Mortgage failed to process my forbearance. Instead, they are restructuring my loan at a higher rate and with a higher principal to capture the amount that should have been on forbearance because they failed to process my forbearance in a timely manner in XXXX. 

I requested the forbearance in XXXX and the forebearance should have been processed in XXXX before I became employed in XXXX. However, due to Freedom Mortgage 's negligence, the forbearance was never processed and instead, Freedom Mortgage is restructuring my loan since we are now in XXXX. 

Please process the forbearance with a date of XXXX and update my accounts. 
Please send me the full amounts due as of XXXX XXXX, 2016 and I will issue payment. 

Then I will be back on my original loan with the original principal and interest rate rather than the inflated principal and interest rate as a result of Freedom Mortgage 's negligence. 

Once the forbearance is on my account, then the credit bureaus will need to be contacted to revise my credit scores since I am not past due but in forbearance. Then my credit will be better so I can move to another lender in a year. 

Right now, because Freedom Mortgage has failed to process the forbearance and is moving to a loan restructure, I have a more negative credit as a late payment rather than loan on forbearance. This makes it impossible for me to move to another lender in the future and forces me to remain with Freedom Mortgage at a higher principal, higher interest rate and in a loan restructure I did not consent to. 

Had they processed the forbearance request in a timely manner, then I would just pay my amounts due as of date of first employment and be back on my original FHA loan. 

Freedom Mortgage is using their own negligence to force me into a new loan with them and exclude me from being able to borrow from someone else and get away from their unprofessionalism.

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 11/26/2016 about Prepaid card (Payroll card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: Over the XXXX holiday, American Express made duplicate charges to my card. When I tried to call the customer service number, the number was not active. I tried to file a complaint with American Express and they kept transferring me to the nonworking customer service number. I explained the number was not working, but customer service reps continued to transfer me to the working. The duplicate charges were not addressed in a timely fashion. I had no money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2017 about Vehicle loan or lease (Loan) with Go Capital Holdings, LLC (NC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was told to be able to skip a month with Go Financial, I needed to make six payments. I did that and then called and tried to skip a month, JUST ONE because I had XXXX and was out of work, and am the only one working in my home right now. They gave me the run around and gave me XXXX, refusing to allow me to skip a month

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Trans Union have 3 listed unauthorized inquiries that is hindering my credit file. These fraudulent inaccuracies need to be deleted immediately.

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 07/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WY).
Issue: Balance transfer

Complaint: I conducted a balance transfer from a Capital One credit card to a XXXX Bank credit card. XXXX Bank transferred the full balance of {$600.00}, but Capital One only credited me with {$500.00}. XXXX Bank sent me an image of the check which is clearly in the amount of {$600.00}. The check was endorsed and deposited by Capital One on XXXX XXXX, 2015. Capital One continues withdraw my minimum payment, and refuses to fix the issue. I spoke to representative tonight ( XXXX XXXX, 2015 ) who stated that Capital One would begin a " Payment Investigation. '' He further explained that this would take XXXX business days, and then their " findings '' would be sent to me in the mail XXXX hours later. I could live with this, but then he stated that the disputed amount would appear within XXXX billings cycles ( i.e. XXXX days ). The representative refused to indicate how they would correct the issue of collecting XXXX months of payments after they deposited a check that paid off the entire balance. During a previous call I was told that the {$100.00} would be " applied to my account '' ( if I could provide proof that XXXX Bank paid them the amount I was claiming ). I tried several times to explain that the card was paid off and I did not understand how the {$100.00} being " applied to my account '' would resolve the issue. I did not receive anything remotely resembling a response, except that " this is Capital One 's policy. '' As I stated, I have an image of the check itself, as well as an image of the back of the check where Capital One has endorsed and deposited the Check. This is clearly consumer fraud as the check is clearly made out for {$600.00}. Unfortunately, the image quality of the duplicate is not the greatest, but there is no disputing the amount written on the check ( numerically and in expanded notation ). I refuse to continue to make payments on this account because it has been paid in full. There is no excuse for Capital One 's behavior in this matter, and I would like CFPB to provide some advocacy, and I wish to press any relevant legal charges against Capital One because this is clearly an intentional fraud, and this is further demonstrated by Capital One 's refusal to explain how they will refund payments made once their XXXX month process is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got an alert today from XXXX guard about a collections account. 
I logged on to XXXX XXXX to get the information. The company name is XXXX for XXXX Illinois. Address PO Box XXXX XXXX XXXX I do not live in XXXX nor did I authorize this account. I have a fraud alert on my report and I have no clue how someone is still able to gain credit in my name with a fraud alert. I want this removed ASAP along with the address attached to it. I included a copy of my ID and my recent pay stub to verify my address

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX has sent me to collections and have conveniently deleted/lost all the notes regarding my account. When I contacted the collection agency they say that XXXX will not allow them to have a copy of the notes to my account and thus ca n't give them to me either. 

I had thought I closed my account back in XXXX XXXX because I was getting another phone through my work. I was told my phone had been paid through the EIP program. I moved in XXXX XXXX to a different address and had all mail forwarded for 6 months but did not receive notification of collections. 

Even worse, the charges are {$790.00}, even though my phone was paid for and I had not used my phone since XXXX XXXX. No one at XXXX can tell me what the charges are as well as the collections agency it was sold to.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit monitoring. Well recently some hard inquiries have shown on my report that were not there previously. I did n't get a notice that they were going to be added back on. I have called the companies and they say I have to call the credit agencies to resolve it. I call the credit agencies and get a foreign person that says they can not help me I need to call the business. At this point I am frustrated because I am trying to upgrade in home for my kids and this is keeping my scores down. I need them removed. I also know that there has been some reported glitches in more than one of the major credit reporting companies and I do n't understand why end of last year the inquiries were gone the re appeared this year just does not make sense, then to bring my score down in points is devastating in the least XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX X/X/16

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 08/31/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax has an account on my credit report that is old and is no longer supposed to be reflected on my credit report. The last time the accont was reported was XXXX/XXXX/2007. This is 8 years. The account is negatively impacting my credit score and Equifax does not care.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: we have been trying for the past 10 years to get a loan modification we have contacted so many people including you now our loan is with seterus where it has been for the past two years we have been working with a hud certified counseling center first home alliance and our worker is XXXX XXXX XXXX she has been working with us for the past 10 years we have been continuing being thrown into foreclosure after months on end of filing out paper work and then being told that person is no longer there and having to start all over we have hired and paid for attorneys and filed for chap XXXX but judge XXXX and XXXX XXXX did n't believe us and threw us out of bankruptcy court not allowing us the protection we need and more important the payment history corrected and made public to us we have never received a payment history to date and we purchased the house in XXXX. our house is being put on the the foreclosure block this Friday we just found out again with little or not notice like usual there is no legal reason why we should n't be allowed to have a loan mod my partner makes {$100000.00} a year the mortgage company and XXXX XXXX refuse to work with us and the worst thing is our loan mod was based on an amount owed of {$380000.00} and they are selling the house Friday for XXXX how does this happen and why is it oaky. I will continue to fight even if the house is sold, seterus blocked XXXX XXXX from accepting our cash payments and we paid cash payments for two years that we have never received credit for and XXXX XXXX has copies of those payments but not on our mortgage history. they do n't care.

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 01/20/2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has not been any help to me I called to let them know that my student loan which is in good standing is appearing on my credit report numerous times and its all XXXX loan.It has been consolidated. I provide them with all the information that I could and they still did not remove anything.I have called my student loan company and they stated they submitted all my paper work to the credit bureaus and it should not be reflecting on my credit.I let Equifax know what my loan company said and still got no help!

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Bankruptcy

Complaint: Acct closed under Chp XXXX bankruptcy in XXXX/XXXX/09 Bank of America.

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