milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I have sent all the information requested in order to have fraudulent accounts removed. I have provided police reports, Identity Theft Report, and documentation that several accounts and address on my report are fraud. I have followed al l protocol provided by the FTC to handle Identity Theft. I still have accounts on my report that not been blocked or removed according to section 605B of the  Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home loan with Nationstar Mortgage and they are not honoring an agreement I entered into with them on XX/XX/XXXX, which I have maintained, and they are threatening me with foreclosure. Per them, my mortgage had not been paid since XX/XX/XXXX to XX/XX/XXXX, which is not true and I have sent them copies of all of my cancelled checks, which they they processed. Each time I have contacted them via phone, I have been given the run around. First they claimed they never received the payments and then they sent me statement showing the checks. I have until XX/XX/XXXX to pay them the outstanding balance of {$8200.00}, otherwise, per the letter they sent me, they will foreclose on my home. True I was behind in XX/XX/XXXX, approx, {$28000.00}, however, prior to my bankrupcty being approved, they agreed to allow me 60 months to repay my arrears over a 60 month period at no interest and penalties in the amount of {$540.00}. per month in addition to my mortgage. a few months after I entered into this agreement, I found out from the county that my property taxes were not being paid from my impound account so I called them and they informed me that they were not paying them because I was behind in my mortgage. Subsequently, I wrote them and informed them that I had an agreement with them, and was paying my arrears over time and my mortgage payments included the impound fees, but they claimed no agreement existed and never responded to my written correspondence, but did pay the property taxes. Now they are trying to say I did not pay my mortgage since XX/XX/XXXX-XX/XX/XXXX, when they know that I in fact did, and sent them evidence supporting disputing their claim, all I get from them is untruths and the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been talking to this company for two years telling them thet it is not my debt they have even admitted on the phone it is not my debt but i still had to pay it. And after doing further research on this debt i have found this company to be violating the fair debt colection practice and XXXX stateLaw ors XXXX which states that a collection agency after 6 years can not take a person to court a file any. Our file any court case. And since acording to them this is a card from XXXX. This company has also file false court document to XXXX county statting that a garshment placed on my checking account did not produce money that is a lie my bank sent them a check for XXXX. Also even thought they have know that i live in the state of XXXX for the last XXXX years they still file all documents in XXXX county in XXXX and on most paper work they try and put XXXX XXXX instead of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: 1. On XXXX/XXXX/2016 - I received a security alert from Bank of America ( XXXX ) that my banking password had been reset. I did not ask for a password reset. I immediately tried to log into my account and was unable to do. I finally got in touch with BA fraud unit. I was told they could not help me that I would need to go into a bank and identify myself. The bank was closed on XXXX/XXXX/2016 for XXXX XXXX. 
2. I went into the bank on XXXX/XXXX/2016. Showed my ID and my debit card ( which they kept ). I was told I needed to close that account and open another one. They were able to show me all of the fraudulent transactions that the predator had made. See attachment " A ''. Another account was opened for me, a temporary debit card was issued and I was given the routing number and checking account number to give to my creditors to set up automatic draft for my bills as I have used with this bank for the last 25 years. I did so. 
3. On Thursday XXXX/XXXX/2016 - nine days later, I received a call at my home from BA Fraud Unit, after a series of questions I said to the person, these questions sound as if I am being indicted for what happened to my account. I was told, " there is no way a person could have gotten into your account unless you gave them your pin number. '' I said to the person over and over " I have never given anyone my pin number. '' The person again repeated the indictment. She told me I would have to go in and open another account. I told her I had done so already and the bank had sent me a new debit card. She put me on hold for a while, when she came back she repeated her indictment and also told me, " You will never be able to open an account with Bank America again. '' I told her I did I did not want to, I just wanted my money they allowed someone to take from my account. I was told it was not likely that I would receive that money. After hanging up I went to take the funds from the new account to discover that Bank America had closed the new account as well. 
4. On XXXX/XXXX/2016 - I received a letter stating Bank of America may report my account to the following reporting agencies : XXXX. XXXX XXXX XXXX XXXX XXXX or both. They further stated : " This may affect your ability to open an account at another financial institution for up to seven years. Why does Bank America want to punish me a customer for them opening up another account in my name. Is this not a felony? 
5. Although I have contacted all of my creditors, I had automatic drafts to bounce and had to find money to pay all creditors. The check that goes to Bank of America is an annuity check from my late husband. Because of this happening after the posting date, I will not receive a check until XXXX or XXXX. My bills still have to be paid.

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 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Experian is reporting an account on my credit report as having a 30 day past due AFTER account was DISCHARGED. The 30 day reporting has to be removed from my account according to bankruptcy law. 

However, if your creditor does not correct the status of your discharged debt, or if the CRA does not maintain an accurate report of your post-bankruptcy credit information, your credit may be unnecessarily damaged. When you discharge a debt in bankruptcy, a creditor can not report that debt as : currently owed or active late or delinquent or outstanding charged off having a balance due, or converted as a new type of debt ( re-aged, or having new account numbers, for example ).

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 10/31/2017 about Debt collection (Other debt) with LENDING CLUB CORP (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted lending club on XX/XX/XXXX and spoke with XXXX in the payment solution department about a collection letter I received in the mail XX/XX/XXXX. The date on the collection letter is dated XX/XX/XXXX stating that I owe XXXX is the balance due in full now this account was placed for collection to XXXX XXXX XXXX. I told XXXX that I am only 30 days late and I 'm sent to a collection agency for the full balance. Wow I dispute that balance cause on the site it is XXXX. So the collection agency added extra money and still adding according to the letter it might be more depending on when it is paid. XXXX from the payment solution department told me that all I have to do is pay the past due of XXXX plus late fees that might not been added yet to bring my account current then call them and they will buy back the loan I was also told that I need to make that payment to XXXX XXXX XXXX. This makes absolutely no sense. I was also told that the balance was incorrect it should be what I stated above the XXXX so not trusting there so call collection someone have there communication crossed. I believe that XXXX XXXX XXXX is trying to extort more money. At this point I 'm asking for verification of this collection that was placed by Lending club. This is totally misleading and deceitful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2016 about Debt collection (Medical) with Advance Bureau of Collections (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: credit collection agency Advance Bureau of Collection has caused a collection to appear on my credit report for no reason, i did not receive any correspondence, letters or calls from this company before this happened. i was notified of this collection on my report by a ID theft monitoring company XXXX which monitors changes to my credit report. The company that submitted this collection action on my report is Advance Bureau of Collection XXXX XXXX XXXX XXXX GA XXXX. I asked the my telephone call to remove it immediately but they said it would not be done at this time and not for 3 months or more. This company stated that a computer error caused the collection to be placed on my XXXX report in error. I talked to XXXX XXXX and a lady named XXXX XXXX to get assistance and they were not willing to write me a letter statement of error or provide me any other paperwork stating it was their error. this company should not be allowed to tarnish my credit score which was XXXX to XXXX before this company took action against 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
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two year s. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.  <P/> 1.  XXXX   XXXX   XXXX   ( OPENED DATE  XXXX / XXXX / 2016  )  2.   XXXX    XXXX    (   XXXX   XXXX   ) (  OPENED DATE  XXXX / XXXX / 2016  )

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 02-03-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: They are n't doing what the government says lenders should do to provide foreclosure alternatives to help homeowners in foreclosu.re

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (GA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: XX/XX/XXXX Dear Sir or Madam. 

I am XXXX XXXX. I suffer with XXXX   XXXX XXXX. I have a daughter with XXXX. My husband XXXX on XX/XX/XXXX. I bought a car through chase auto financing in XXXX when my husband was living on XX/XX/XXXX. When my husband was living, I could afford the payments. I tried to refinance in XXXX and I was turned down. When I purchased the vehicle my credit score was XXXX or better. I recently tried to refinance in XX/XX/XXXX and they turned me down again. My credit score is higher and I have a 100 % payment history with them. I can't afford these payments of {$410.00} a month. I don't know what to do except to write to you all to please help me because Chase would rather me loose the vehicle and mess my credit up than to work with me on my notes. I had to take out a loan to pay them for the month of XX/XX/XXXX. My life is so much harder and I don't know where to turn. Me and my daughter is all alone in this world without any help since my husband died. Please help me because I am so confused and so stressed out. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had Two morgage back started in XX/XX/XXXX, in year XX/XX/XXXXwe had issue in employment lost and burgary in house as a result we filed the application with XXXX XXXX XXXX and received approval for six month payment hold however XXXX XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.

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 08/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Listed one of my employers as XXXX ; I only have one employer XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In 2007 I graduated from the University of XXXX. On XXXX XXXX, 2007 I refinanced my student loans on a 20 year fixed rate loan with a monthly payment of {$240.00}. Over the years I have made minimum payments religiously, in some instances I paid more than the minimum payment. The loan has been sold several times, the current institution is Navient. I received a letter from Navient telling me in 60 days they are changing the terms of my loan and are basing that change on time remaining in repayment, outstanding balance, interest rate, past delinquency and/or late payments, resumption of standard repayment after a period of reduced payments, other account activity that may have affected the repayment schedule. None of these factors apply, my loan is a fixed rate loan with a specific time period so how could my time or % rate have changed? I have not been late, nor asked for a reduced payment. My question is, " is it legal for Navient to just change the terms of my fixed rate loan? ''

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: here is XXXX items on m credit report from XXXX XXXX. XXXX is in the amount of {$170.00} dated XX/XX/XXXX XX/XX/XXXX. This is not my debt I have not had an account with this company in XX/XX/XXXX I was not even living in the city of XXXX Va. There is also an account listed for {$240.00} sub # XXXX XXXX, I moved out of my previous address of XXXX XXXX XXXX XX/XX/XXXX and all equiptment was returned to this company. I have contacted them on numerous occassions and and issued a copy of the receipt for returned equiptment and this issue has not been resolved. Under the Fair Credit Report act this is a violation of my rights and I wish to have these errors corrected. this is the XXXX time I have had this issue and as a result I was denied employment from my previous employer. 
XXXX # XXXX amount {$160.00} I have never had an account with XXXX I have been in contact and would like verification of this debt requesting its removal immediately. All of my student loans were in default, the information in regards to these are incorrect. I would like proof of these debts.XXXX # XXXX Attempted for over 3 years to have loan refinanced was advised that it ould happen and when it did not property went into foreclosure. Agreement was made with XXXX that the debt would be wiped clean since I was given monies provided me By XXXX and also with an agreement that all negative payments would be removed. In regards o all medical bills reported. I had insurance With XXXX as a dependent from XXXX thru XXXX. 
Thisinformation is being used againist me and I can not secure a job I would like a full investigation and a copy of any verification that is sent as are my rights under the Federal Fair Creit Reporting Act. It is my intention to seek damage for theincorrect information that has been reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have had PHH mortgage since XXXX/XXXX/XXXX I have always made my payments on time and on and around XX/XX/XXXX I reached out to PHH to request a Loan Modification due to the fact that I had lost my business and was in a bad auto accident which did n't allow me to work as much as I used to in my younger days. The agent stated they could not help me because I was current and owned another property with them, the agent recommended for me to fall behind on XXXX homes so I can be reviewed for a loan modification. My other home XXXX was foreclosed on by PHH mortgage on XXXX/XXXX/XXXX. The home was up for sale and this information was communicated with PHH and they agreed to stop the date but they still foreclosed on the home. Now they are trying to foreclose on my primary residence were me and my wife reside. We applied for a loan modification several times and agree they have all documents then in 2-3 weeks they request the same information from us. We feel they will foreclose on our last home me and my wife owned If we do not get help now. Our foreclosure is scheduled for XXXX/XXXX/XXXX @ XXXX. I feel since I was under review for loan modification PHH mortgage is in violation of the California Home owners Bill of Right law which is set to protect us from issues such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A  XXXX  's credit card account is now appearing in my name as an authorized user. It was initiated before I was born. It started reporting on  XXXX   XXXX . The account opened on  XXXX   XXXX ,  XXXX , and closed  XXXX   XXXX ,  XXXX . I mailed a request out to have this removed, but have received no response. I have the same name as my father, so I often get his history tied into mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2017 about Student loan (Federal student loan servicing) with ACS Education Services (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have contacted ACS repeatedly regarding my payments being too high and me being unemployed and was told forebearance and deferment are my only options. Then a friend told me about the income based repayment plan so I asked ACS. They sent over the paperwork to fill out and I did it. I spoke to them when submitting to make sure everything was accurate and he told me I had to use my unemployment as income so I did. I said what happens after I turn it in? He said you just do nothing, make no payments, and wait to hear back from us. So I did. After a few months ( Im a single mom trying to make it through day to day so remembering to check on my status wasnt at the top of my priority list. ) I remembered I had submitted it and hadnt heard so I called and they told me that it was denied because I made too much money on unemployment at $ XXXX before taxes. ( After speaking to someone else at ACS I found out I wasnt supposed to put my unemployment on there at all!! So if I was given correct info I would have been fine. ) I didnt resubmit because I was currently working on a 4 week project and so I was told there was nothing I could do. The problem now is all those months I wasnt paying because I was told not to went into my credit report and they refuse to remove them. So now I am trying to find an apartment/but a home for my child and I and I cant because I have too many late paymentS from ACS and so nobody will even rent to me! So now I had to move in with my parents at XXXX years old. Its ridiculous they can do this and not be held responsible for single handedly ruining my life. 

Looking at my account- my principal borrowed was around {$11000.00}. I have paid over {$7000.00}. Yet somehow my remaining balance is around {$14000.00}. How is that even possible?! My loan has over doubled??

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Debt collection (Payday loan) with Stellar Recovery, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The company STELLAR RECOVERY INC has sent several emails threatening to have me arrested also to freeze my social security number and benefits as well as inform my boss and family that i owe money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation