milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: At the end of XX/XX/2017, I sent a letter to XXXX XXXX XXXX XXXX asking for a debt validation regarding an alleged debt that was owed. I received a letter and an unsigned contract with my typed name in the signature area. 

However, since this was my first initial contact with this company I noticed that the company violated Section 807 ( 11 ) of the Fair Debt Collection Practices Act that requires a debt collector to inform a consumer in the initial communication with the consumer with the following wording on the letter " this communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The code refers to this an a mini-miranda disclosure. 

I sent the organization information regarding this fact ( certified letter ), and XXXX XXXX XXXX XXXX did not respond to the letter but sent me a similar letter ( attached ) with another unsigned contract. This is a blantant violation and request that the credit bureaus investigate this matter and if not resolved, that the account is deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There was a fire in a home I owned. My homeowners insurance company ( XXXX ) sent a check to my mortgage company ( XXXX ) for {$42000.00} that was supposed to be given to me to rebuild my home, or used to pay down my mortgage. With it, they included a letter to XXXX Stating that if more money was needed to pay off my loan, that all that needed to be done was for them to ask for the rest of the money. I never received a copy of the check or letter. XXXX cashed the check but never credited my mortgage account. My original loan amount when I bought the house was {$62000.00}. I had paid it down to {$58000.00}. The check from state farm for {$42000.00}, was supposed to bring my balance down to {$16000.00}, but XXXX never credited my account. They also could have asked XXXX for the remainder of the money, or at least informed me of the check and letter, so I could have asked XXXX for the rest of it. Year after year, XXXX reported to all 3 credit bureaus that I had not made any new payments to my mortgage, and that the balance was still {$58000.00}, when in fact they DID CASH the check for {$42000.00} and so my balance was actually only {$16000.00}. I made over 60 calls to XXXX attempting to get them to correct the balance on my account and no one was able to. I took it all the way to the office of the President at XXXX. Eventually, XXXX fraudulently Sold the entire amount of my loan ( {$62000.00} ) to a 3rd part loan servicing company called XXXX. XXXX, ALSO reported to all 3 credit burreaus that I then owed them {$62000.00}. I also contacted them MANY times to tell them that I already paid it down to {$16000.00}. Despite my sending the credit bureaus a 2 sided copy of the check from XXXX that XXXX cashed, they still refused to remove the item from my credit report. I would like all negative items from XXXX and XXXX removed from my credit report. The copy of the check that was cashed by XXXX is attached. Also attached is my credit report. Please note the XXXX item is on page 3 and the same item as reported by XXXX is on page 10.

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 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (DC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In  XXXX   XXXX   2017  I spoke with  XXXX   XXXX  and  XXXX  at quicken loans. I had  two  very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior.  XXXX   XXXX  pulled my credit WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my  credit score would n't drop and that it 's the same as one months ago. I told him not  to pull the credit he did it anyway and my score has dropped  XXXX  points immediately as a result

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (Reverse mortgage) with Finance of America Reverse LLC (HI).
Issue: Application, originator, mortgage broker

Complaint: Credit Denial, see XXXX/XXXX/XXXX letter attached ; based on low Appraisal, low AVMs valuations. No Adverse Action Notice sent. Communication denied. 

CFPB Dodd Frank law violations, which say regulatory violations are to be tracked and a root cause analysis done when violations are noted. 

Consumer is not allowed to question {$700.00} Report he paid for. See XXXX-page attachment, including my XXXX/XXXX/XXXX email to Lender 's President. 

Mine is a XXXX single-level home, on concrete slab foundation ; Comps XXXX and XXXX are steep XXXX-story homes, on stilts. Comp XXXX has XXXX-foot tall posts holding up living room and basement balconies ; home hangs off a narrow mountain edge. 

Calculation errors : Comp XXXX sale {>= $1,000,000} ; sold {$450.00} sf GLA, not {$730.00} sf GLA ; main floor XXXX sf, basement XXXX sf, total XXXX sf ; see Comp Comparison page. Appraiser falsely lowered my value with - {$240000.00} basement adjustment. 

See XXXX aerial of XXXX Comp XXXX, versus my level lot XXXX aerial, XXXX topo-rendering marked Comps ; attached. 

Did n't value " functional utility '', XXXX XXXX most important requirement ; XXXX is " location '' XXXX is " physical '' similarities. 

Did n't value " view '', an important buyers ' feature in XXXX XXXX XXXX XXXX XXXX ii, XXXX, XXXX homes. 

Comp Sales Time Period is to Short, using homes sold past 45 days. My XX/XX/XXXX Appraisal used 9-month old Comp. 

Lender determined Appraisal had expired ; see Letter XXXX/XXXX/XXXX, in XXXX-page attachment. 

No Expiration Date in XXXX Form XXXX XXXX XXXX Appraisals ; mine say borrower can rely on Report, and use it for another lender. XXXX/XXXX/XXXX case attached. 

Land is the value in my 40+ year old subdivision, not old homes. XXXX sf level land area, XXXX feet wide, sold {>= $1,000,000}, old XXXX-story home torn down to XXXX wall, XXXX XXXX XXXX, XXXX sf level area, balance vertical, sold {>= $1,000,000}, home torn down, XXXX XXXX XXXX. 

Lender 's appraisal management company is in violation of XX/XX/XXXX CFPB Dodd-Frank Mortgage Rules. XXXX said " we are obligated to guidelines of the Dodd Frank Act, and we are mindful not to over-impose on the appraiser independence to the point of retribution '' XXXX/XXXX/XXXX email attached, thus wo n't discuss anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My Trans-Union Credit Report was showing wrong credit information in my XXXX XXXX XXXX Credit Card. I disputed it and Trans-union has removed XXXX XXXX XXXX account from credit report. 
I raised a complain in CFPB OMB # XXXX. I get response from Trans-Union that my Financing Agency ( XXXX XXXX XXXX ) need to re-report the credit. 
I had meet XXXX XXXX XXXX multiple times. I have reported my Credit. All other Credit Bureau are reporting correct Credit expect Tans-Union. 
I am raising a new complain because in-spite of my previous complain OMB # XXXX, the problem was not fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX/XXXX/17 There were fraudulent and unauthorized charges associated with my Bank of America, Debit / Checking Account. Upon initiating a dispute for these charges, a charge was omitted in the dispute process on a recorded line with a bank of america claim specialist which is complete negligence on Bank of America 's behalf. The charge being for {$14.00} XXXX in XXXX, GA. This charge being omitted was a factor and a reason in the eventual decision of the claim being denied. I have asked several times for information from the merchant regarding how my information was used and proof of my identity in the matter. Neither have which been submitted in a timely manner. My bank account is now at a negative balance due to this illegitimate and unethical situation.

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 11-10-2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Social Security is allowing XXXX ( a collection agency ) to garnish my XXXX {$260.00} every 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 02/22/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Refusing payment. I have attempted several times to pay an account they are reporting on my credit report. The address provided on credit report is undeliverable. I then looked up address through BBB sent a check out and it was returned saying there was unacceptable markings on it. On the memo line i wrote exactly what it says on the credit report! XXXX XXXX XXXX the check was written out to Portfolio Recovery. I do not understand why they are refusing payment

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 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: Account information incorrect

Complaint: In either   XX/XX/XXXX   or   XX/XX/XXXX  I  applied for a credit card with  XXXX    XXXX  Account   #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX   I was made aware by  XXXX   XXXX  that my account was past due {$130.00}. These charges were for a {$75.00} annual fee followed by late fees. I told the representative that I was in the hospital and  # 1 NEVER RECEIVED THE CARD AND # 2 NEVER A CTIVATED THE CARD. When I questioned the representative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Although   XXXX   XXXX   updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment on my credit for   XX/XX/XXXX  . I tried calling them again and even contacting the  XXXX  credit bureaus  (    XXXX   XXXX   and    TransUnion   )  but, the late payment is still there! How can this company report a 30 day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!

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 03-01-2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I contacted Hunter Warfield about this collection/debt. They stated that someone name XXXX XXXX used my social security number. They stated that I needed to file a police report so I did. They told me to fax the paperwork to them and they would investigate and clear my report. I haven't heard from them and its still on my credit report. 
The amount owed {$5100.00} on XX/XX/2016

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (NM).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I keep getting calls from a company claiming to b e Wakefield and Associates, from   the number  XXXX   XXXX   XXXX   XXXX   XXXX  about an attempt to collect debt. I am not delinquent on any debt and have checked my credit report. I am in good standing on every single loan I have. They have not sent mail about what I supposedly owe and they do n't answer when I call back. They have called last night at  XXXX   XXXX  on a Friday, again on  XXXX / XXXX / 17 , and on  XXXX / XXXX / 17 . They are well past the 5 day limitation for sending a letter to explain what I supposedly owe. I think they are a fake company because the number does n't match what is listed on their website.

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 07/14/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do not have an account with Sallie Mae. I reached out to them and they mentioned that there is no account in my name with them or even under this account number. When I dispute this with the credit bureau 's it is still showing up on my report yet it is erroneous. This needs to be deleted as soon as possible. Due to this erroneous reporting, I have been denied credit and I am in the process of purchasing a home. I wrote Sallie Mae and they mentioned that this is not their address and that this account does n't even exist in their records, yet it is showing up on my XXXX and XXXX report. Please DELETE this. This is reporting incorrectly and is against the FCRA reporting responsibilities. The account number is XXXX. Please see attached, for I have circled the account that is showing up on my XXXX and XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015 I received a letter from Reverse Mortgage Solutions , Inc. notifying me that my loan was in serious default due to lender placed flood insurance. I was originally notified of the flood insurance requirement in 2015. I am XXXX years old and live on a fixed income. The amount needed to bring my account out of default is listed on the letter as {$6400.00}, which will increase. I made several calls to Reverse Mortgage Solutions, Inc to get more information in which I was not able to get in contact with them until weeks after receiving this letter. The representative assigned to my account is XXXX XXXX XXXX Ext. XXXX. I looked through my documents and realized that this amount is extremely high and could have been reduced had the company paid attention to the ELEVATION CERTIFICATE that was made part of my initial response to them upon being charged for lender placed insurance. I had my daughter call to see if she could get information from them and am in jeopardy of losing my home in a matter of days. The representative spoke with me on XX/XX/2015 to confirm that it was okay for my daughter to speak on my behalf and since then my daughter has not been able to contact them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: While reviewing my XXXX credit report on Sunday, XX/XX/XXXX, I noted two items which do not belong to me and which I think may be related.

1 ) There is a home address listed that does not belong to me because have never lived in the XXXX. Please remove this misinformation from my credit reports. The incorrect listing is : XXXX XXXX Former Address XXXX XXXX XXXX XXXX   NEW YORK XXXX  2 ) There is a credit debt listed by a company with a {$830.00} debt listed I do not recognize but has the same address of one I do. Please remove this misinformation from my credit reports.

The unknown credit card company and balance is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ N/A Charge $ USD XXXXXX/XX/XXXX The known and acknowledged card company is called Renovate for a debt of {$810.00}. I paid that debt in full in XX/XX/XXXX. Its listing ( twice for some unknown reason ) is : XXXX XXXX XXXX XXXX XXXX, NJ N/A N/A USD XXXX XX/XX/XXXX A third error is with XXXX XXXX. After I paid my account in full, the bank closed my account and reported a derogatory comment. I have a XXXX balance and will never, ever do business with XXXX XXXX for its treatment of me both when I had my car financed by it ( which I subsequently refinanced at another financial institution prior to this transaction and since also paid in full ) as well as this credit card listed below. The error is that I owe it money which I DO NOT!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT N/A Account closed by credit grantor $ USD XXXXXX/XX/XXXX I would appreciate these errors being removed from my credit histories. If you have questions, feel free to call me at XXXX. Thank you, XXXX XXXX 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 08/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: i XXXX XXXX XXXX li8ke to make a complain against freedom mortgage because they are trying to take my home to sale while i send in a loan modification package in XXXX XXXX 2016 and they said they did not received so i talked to them and they said my home is going to sale anyways and i had send the package two times

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 11-06-2017 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: Was not notified of investigation status or results

Complaint: At the time Equifax was hacked, they allowed my personal information to be taken. I have put a 90 day watch on my accounts with all three credit reporting agencies. I now have to monitor my credit reports on a weekly basis. I have been in contact with Equifax and I have a conformation number. I now have to sit back and wait to see what happens. It 's now going to be a pain just to open a new credit card or anything else. I 'm sure its just a matter of time before my accounts start getting hit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (DC).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a appeal of a recent email of modification by Suntrust. 

I was approved with the same data XX/XX/XXXX/XX/XX/XXXX and made 2 of 3 trail payments. 

I diverted from making the 3rd and final payment due to using funds for a critically ill parent that just expired. 

I informed Suntrust of the hardship and asked for an extension for that reason and business reasons in XXXX 2015. 

Suntrust canceled my forbearance and modification. 

Suntrust informed me to apply again. I did so with the same data that was used to approve me just 90 days earlier. Suntrust manipulated and falsified my data submitted and falsely used it to decline my request for a modification. 

Suntrust asked me in the appeal letter to address information regarding a lien and I sent attorney information on that matter. Suntrust did not take the information I sent as trust and modify it with my request. 

Overall, this has been a brutal experience where my data has been manipulated or falsified or discarded so as to allow Suntrust to deny my modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Contacted  XXXX   XXXX   XXXX  to ask about the multiple inquiries on my credit report and was transferred many times to where they are giving me hypothetical situation to where they might have happened.   I had an account that was opened in    2015  with this bank and never have given permission or applied for any other services with this company.   If this was in error, please delete the inquires immediately from the credit bureaus

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 10/26/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced with XXXX XXXX XXXX last year. The loan was subsequently sold to Nationstar Mortgage and has been serviced by Nationstar since. My property has XXXX tax parcels. When I closed the loan, I made sure that both parcels were documented for the escrow account. I deposit over XXXX dollars to the escrow account with Nationstar on a monthly basis. A few months ago, I was alarmed that only XXXX of the tax bills has been paid out from the escrow account. Nationstar has missed XXXX payments of the other tax bill, which accounts for about 90 % of the entire tax liability. Now even though I have sufficient fund in my escrow account, my property tax is delinquent and significant interest has accrued on the tax due to late payment. I 'm at risk of having my credit damaged and having a tax lien on my property. I 've been calling Nationstar every week but they have n't resolved the issue.

Company response to consumer: Closed with explanation