milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2015 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Purchased home in XXXX 2013. Bought specifically for potential equity position in rapidly growing and valuable area. Put 5 % down knowing that in a few years my home would be worth enough to justify PMI removal. After requesting PMI removal in XXXX this year, it was denied because I had XXXX late payment while I was out of the country and my servicer did not have online capabilities and I could not phone. they would not waive this late. Due to this late, I was instructed to start the process again in XXXX this year. The only method of contact for my servicer 's PMI department is email. They have no phone number and no one to contact, just have to email and hope. After several emails, I received a letter saying the removal was denied bc my home was not at 80 % LTV. It is in fact at 75 % LTV and even that tax recirds indicate so. I sent in a dispute and have followed up weekly for six weeks with no action form my servicer. I have spent countless hours on the phone and have sent numerous emails, the most recent being a " fifth and final request '' in the subject line and within the body stating that I was going to seek external assistance, which I am doing now. 
My PMI is $ XXXX/month and so far I have spent an extra {$3000.00} annually on this insurance that no longer applied to my credit terms and by my servicer 's determination I have paid an extra {$560.00} because of their lack of action ( the discrepancy there is due to the date I think the PMI should have been removed VS the date they claim )

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage through XXXX that was paid off due to a class action lawsuit against said bank XX/XX/XXXX. I recently received a paper from ditech stating that I owe them {$180000.00} for this same mortgage. I sent them them a copy of the letter stating that the loan had been paid in full, and they just continue to send me a copy of the original note that I signed. Saying that they 've owned the loan since XX/XX/XXXX and that I owe them now, even though the original loan was paid off XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This company ( XXXX XXXX ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1300.00} with Equifax credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
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Please see the letter provided by XXXX XXXX in XXXX 2017 for the removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a follow up complaint to case # XXXX. On XXXX XXXX, 2016 I received by US Mail an offer of settlement from Medical Revenue Service dated XXXX XXXX, 2016, ( See Attachment ). As previously communicated I contacted MRS on XXXX/XXXX/16 at approximately XXXX requesting a settlement. It was communicated to me that no settlement was available on this account. I can not help but ask how in a matter of 24 hours or less a settlement became available on XXXX XXXX but none was available on XXXX XXXX. That being said, I must question the integrity and validity of any communication I have with Medical Revenue Service.

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 12/19/2015 about Debt collection (Credit card) with Northstar Location Services, LLC (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Northstar XXXX from New York is the collections agency handling my account. I have been trying to settle my account with them. On Thursday XXXX/XXXX/15, a representative told me that if I did not pay the account in full by XXXX XXXX, 2015, they were going to report me to the local police department and I would be arrested and could face jail time.

Company response to consumer: Closed
Consumer complaint received 07-11-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On   XX/XX/XXXX  I  sent a debt verification letter to Portfolio Recovery. They sent me some old computer generated statements which did n't cover everything I requested. Afterwards I disputed this debt with the  XXXX  credit bureaus and I noticed that Portfolio Recovery deliberately tried to  re age  the debt by reporting that I made a {$44.00} payment in the same month of  XXXX . In  XXXX     2017  my credit report shows a balance of {$2100.00} then  XXXX  shows {$2000.00}. I have never paid this company anything and refused to because they failed to validate this debt. The partial account number for this account is  XXXX  and it shows for    XXXX   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has continued to report these XXXX debts on my XXXX & XXXX credit report. I have continually sent request for validation to them and disputed the information with the various credit agencies. They continue to ignore and not comply with the request. The lack of compliance on their part is causing harm to my finances. I request that since they have not complied with these request that they stop anymore reporting of this line. And remove or delete it from my credit reports. So that I may not be burdened with this issue now or in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home a little under  three years ago. The purchase price was {$250000.00}, I made a {$2 0000.00} down payment and now owe {$190000.00}. I have over 20 % equity. I have never made a late payment and I have an  XXXX   credit score. De spite all facts abo ve Freedom  Mortgage refuses to cancel my PMI. I have submitted several written requests, made several phone calls and exhausted all options I am aware of. They keep denying my requests with no attempt of providing an explanation. They only answer I have been able to obtain is that the decision is made by a team of people I ca n't talk to. Please help.

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 12-10-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AR).
Issue: Trouble during payment process

Complaint: My wife and I are currently in a bankruptcy proceeding. During such, we voluntarily went through a successful loan modification process. As it neared completion, I specifically requested multiple times, verbally, and in writing, that the new loan be given a different loan number to distinguish it from the old loan. Wells Fargo refused to fulfill this simple request. So, the old loan and the new loan both have the same loan number XXXX # XXXX XXXX. 

The new loan was effective as of XXXX XXXX, XXXX. The loan clearly states that as of the effective date that the old loan will no longer exist because the balance due on the old loan will be capitalized with the new loan. 

So, on Friday, XXXX XXXX, XXXX, I called to make my monthly payment. I was casually informed by the representative that Wells Fargo had ruled a Motion for Removal on XXXX XXXX with the bankruptcy court because we had allegedly not made any mortgage payments since XXXX XXXX. When I asked the woman to explain how this could be when we have, in fact, made timely payments on the new loan directly to Wells Fargo by calling in each time, she placed me on hold briefly and returned to say that I have indeed made these payments. However, they have been applied to the old loan and not the new loan. She then said that I am required to make payments on the new loan immediately to prevent foreclosure. 

I demanded multiple times that I be transferred to the XXXX XXXX representative that assisted us on our new loan. She refused each and every time to transfer me without delay. She instead just kept putting me on hold against my will. So, I had to get another phone and call the XXXX XXXX representative myself. When I got him on the phone and explained to him what was going on, he verified that he personally remembered that I had been making regular payments through him. So, he placed me on hold to research the issue. 

He came back to confirm that the SIX payments that we had made on the new loan since XXXX XXXX had all been applied to the old, non-existent loan. He also told me that the bankruptcy trustee had also been making payments that were also being applied to the old, non-existent loan. He further informed me that he was not able to correct these mistakes and that he was not aware of the exact process to do so. He asked me to fax over proof the I have made the SIX payments that I had made that two different Wells Fargo representatives have already confirmed were made. 

According to my XXXX XXXX Bank statements, here are the dates and the amounts that have been paid on the new loan, totaling {$2600.00} : XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$750.00} XXXX -- {$370.00} XXXX Confirmation # 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 11-06-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have an 18 month old manufactured housing mortgage with US Bank. At the end of XXXX they notified me of an escrow adjustment of {$2700.00} for taxes ( the first year and the next year ) to take effect XXXX/XXXX/15. This took my monthly payment from {$430.00} to {$750.00}! 
I promptly called the bank to alert them to a problem. I received the phone tree run around for 70 minutes. I explained to a Senior Banker XXXX that the amount was horribly inflated. My tax estimate last XXXX was {$880.00}. I also explained that the tax bill had n't yet been issued. She informed me that they got their information from my taxing authority and that I would n't see a bill and that the numbers were correct ( at best all incorrect or at worst lies ). 
A week later I received my tax bill and it was a few dollars less than the XXXX estimate. I sent a copy of the bill and relevant correspondence to the address the bank provided asking for a prompt adjustment. 
On XXXX XXXX I again called the bank. This time a chirpy Customer Service Rep informed me that there was a note on my account about a {$500.00} difference between " their estimate '' and the actual charges. She told me an investigation was underway and could take up to 90 days. She also informed me that I needed to pay the inflated amount until I was notified differently. She also added that I would receive any overpayment back in a " big fat check '' in XXXX. 
I 've continued to emphasize to the bank that they should not have made such a gross over estimate a week before the actual bill was to be received. I 've further stated that while I 'm sure the matter will ultimately be resolved it is difficult to pay the large, incorrect increase out of a retirement income!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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. Internal Equfax executives on the other hand decided to cash out Equifax stock days before it went public, as further insult to injury.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have lived in my home for 45 years but due to inaction and incompetency on the part of my mortgage lender Chase I am in danger of my house being sold at foreclosure auction. I have spent the past 5 years attempting to resolve my issues with Chase. I am able to make a reasonable mortgage payment, but due to the failure of my business and the crashing of the economy I was not able to continue making the monthly payment after it adjusted up while my income was going down. 

Please understand that I have paid my mortgage on time for nearly 40 years. I refinanced through Washington Mutual around XXXX and they put me into an adjustable FHA government insured loan. I thought that my payment would be stable and reasonable, but I found out later that Washington Mutual misled me and my rate and payment increased over time. I had opened a clothing business in XXXX which was initially successful. Of course, the following year the economy crashed and my sales suffered. I hung on for another year but then a XXXX XXXX opened across the street and that was the beginning of the end. 

In XXXX I was struggling and could not afford to make the full monthly payment on the mortgage. I attempted to make partial payments to Chase but they would not accept them. I was told instead that I could apply for a loan modification. I began the process back in XXXX. Since that time I have spoken with Chase at LEAST 100 times on the phone, have sent them thousands of pages of paperwork but yet have never actually been reviewed for any programs. No formal completed review, no denial, just total runaround for XXXX plus years. I feel like a hamster on a wheel!!! The problem is that now they have set a sale date for XXXX XXXX and I fear I am out of options. It does not have to be like this. I receive retirement benefits as well as unemployment payments. Also my son is living with me, he is employed and contributes towards the bills. If Chase would actually take the time to review my information they would see that I can afford a reasonable payment. The problem is they have never taken the time to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion reports incorrectly that I must bring this account current even though I received a XXXX Cancellation of Debt from XXXX XXXX XXXX. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 02/13/2018 about Debt collection (I do not know) with Riverwalk Financial Corporation (ID).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I did not receive any communication from XXXX XXXX company saying that I owed a debt, was in default on my debt, and that my debt was being sent to collections. I do not know who the original company the debt is through. On my credit report, it says that this debt was opened on XX/XX/2017. I never applied for a debt/loan on XX/XX/2017 and was never told about it. The first time I received knowledge about it was when it showed up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Consumer Loan (Installment loan) with Credit Central Holdings, LLC (SC).
Issue: Managing the loan or lease

Complaint: Contact people came to my home XXXX visit they used vulgar profanity and I felt that he therend me, essive phone calls to my sister, XXXX man comes to my home very rude therting me I go inside home he stands on my porch yelling very loud that her lives a woman will not pay her bills could hear him all around the street I called law but he was gone before they arrived, I was served to appear in court with no court date then man calls me with news that he filing judgment got throes papers few days ago.This company has broken every collection law against me so much harassment, I need help with this matter, please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed Chapter XXXX bankruptcy with Equifax they signed for my initial certified dispute letter on XX/XX/2016. They responded that they have verified the reporting to be accurate from the federal bankruptcy court. I requested validation in the form of my signature, they failed to provide that to me validation. I also submitted them a copy of a letter from the bankruptcy court stating they do not provide any information to the credit bureaus along with a 2nd dispute letter which they signed for on XX/XX/2016. This is deformation and Violation of the Fair Credit Reporting Act. I demand that it be removed immediately from my credit report. As of today XX/XX/2016 they still have failed to validate this or mark my report as disputed. Equifax has failed to properly investigate this. They sent me the same verification letter both times within 4 days of signing for the letters. Which tells me they generated a pre-written letter from the computer and sent it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX checking account in XXXX 2016 that promised a bonus of XXXX XXXX XXXX AAdvantage miles in exchange for opening a new account and meeting several requirements. Citi 's own wording promised the miles would be deposited into my account within 90 days of completing all requirements. After verifying in writing with Citi that my account was eligible and exactly what steps were required, I then met all these and waited the 90 days Citi stated would be required for deposit. After 90 days without any communication from Citi and no miles deposited, I contacted Citi about the issue. Their response was essentially to deny that my account was ever approved for the award miles bonus despite my written assurances. XXXX, Citi has decided to not honor their part of the deal despite my completing all steps required for the bonus. Moreover, Citi are still charging me a usurious $ 30 monthly fee to maintain this account. I have no choice but to pay this fee because if I downgrade or close the account before the award bonus is awarded then the bonus offer is forfeited per Citi 's terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit determination

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CAR CAREONE/ SYNCHRONY BANK XXXX XXXX XXXX XXXX XXXX FL XXXX Dear SYNCHRONY BANK, SSN # XXXX Account Number Ending XXXX Why does your hard inquiry ( XXXX XXXX, XXXX and XXXX hard inquiry on XXXX XXXX XXXX ) appear on my XXXX XXXX credit report. ( XXXX credit monitoring inquiry report attached ) Are n't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 
Sincerely, XXXX 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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted XXXX about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXX is reducing my credit because of these additional inquiries. I 've talked with XXXX  twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either. 

TransUnion and XXXX were contacted because of the same issue and all 3 still report similar information in error.

I make a six figure income, have well over 750 credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit .... 


What can I do about this legally? Can CFPB help me?

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