milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (GA).
Issue: Credit decision / Underwriting

Complaint: I called Amerisave Mortgage on XXXX/XXXX/2016 and spoke with XXXX XXXX, a Loan Originator. He assured me at that time he could and would get the loan closed. Initially the loan received an automated underwriting approval. Since then, the loan application has been declined 3 times with no explanation as to why it has been declined. When the initial credit application was taken, my credit score qualified for premium financing. They ran my credit a 2nd time within 30days which reduced my credit score and caused me to be disqualified for premium price financing. I have reached out the XXXX XXXX manager, XXXX XXXX several times and he HAS NOT responded to me at all. I have contacted the loan processor, XXXX XXXX, and he has not responded to my email or returned my phone calls. I have also contact customer service and was told a manager would call me back within 24 hours and I have not received a call or email response from anyone. At this point, I have spent {$75.00} getting documents signed and Notarized only to receive an email stating the loan has been declined again with no explanation. I have been requesting a call back since Friday, XXXX/XXXX/2016. XXXX XXXX replied on Monday stating he was out sick and would have his manager call with the reason for the decline & I have yet to receive a call or response from him. I believe I am being discriminated against or RED LINED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Advertising and marketing

Complaint: I applied for AAdvantage MasterCard issued by Citi in 2015. At that time, the promotion was : if you apply through XXXX XXXX 's website, you only need to spend {$2000.00} in first three months to receive the XXXX bonus miles. I did applied through XXXX 's website and I did spend over {$2000.00} in the first three months. However, I have n't receive the bonus miles until now. 

I have contacted the customer service and was told to provide proofs of such promotion. I have faxed the promotion details including advertisement and articles from third party consumer review websites. However, I still have n't receive any bonus miles.

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 09/25/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Struggling to pay mortgage

Complaint: The lender approved this clients file for a streamline modification and only provided this information to the clients XXXX XXXX - the client nor our office was made award of any approvals - the lender took it upon themselves to only provide this info to the XXXX XXXX - The lender refuses to speak to our office even with the XXXX XXXX letter that has been provided giving us consent to speak on the clients behalf - The lender also has out TPA and still refuses to speak with us - the client was approved a few weeks ago and got a denial letter from the lender due to the XXXX XXXX not accepting the terms of the approval - No only with this NOT his decision to make, but the client XXXX and XXXX XXXX were NEVER made aware of the approval or terms to accept or deny the modification. We feel the lender is not handling this file as it should be to assist the client in the best way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Incorrect information on your report

Complaint: On XX/XX/XXXX I filed for a chapter XXXX bankruptcy. This debt was not reaffirmed, yet we intend to keep paying on the mortgage. Freedom Mortgage would not mail out a reaffirmation agreement, despite numerous requests for them to do so. So, this debt was discharged.

The issue is this debt continues to report on my credit report as well as my wife 's credit report. Since this debt was discharged, the trade line should reflect a {$0.00} balance for both XXXX and XXXX XXXX. It should also be noted that XXXX is a non-filing spouse, yet Washington state is a community property state, so the discharge on this debt extends to her as well. Furthermore, payment history should not be reported after XXXX, XXXX. 

Freedom Mortgage continues to report this debt on both my credit report as well as my wife 's. Numerous phone calls to them do not fix the problem. 

Another issue lies with XXXX 's payment. Freedom Mortgage reported XXXX 's payment as 30 days late, even though it was received on XX/XX/XXXX. They received this payment on XX/XX/XXXX but did not apply the payment until XXXX. This caused a 30 day late payment to report. 

The continued mismanaging on this account has caused my wife to suffer a closure on her XXXX  XXXX XXXX credit card as well as a credit line reduction on her XXXX XXXX and XXXX XXXXXXXX XXXX credit cards. All three credit cards cite a mortgage late payment as a reason for the adverse action. And this was due to incorrect information reported by Freedom Mortgage. 

Previous CFPB complaint numbers are XXXX and 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 12/21/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midwest Recovery Services LLC is trying to collect on a debt that is NOT mine and has NEVER been mine. I have never used their services for a payday loan nor have i used the services of the FRAUDULENT company they are collecting on behalf for a payday loan. How they got my information and managed to report this on my credit reports is bewildering!!! I could not begin to imagine that something like this would happen to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On or about XX/XX/2013 my wife and I entered into a contract with XXXX home security services, this was a 3 year contract, approximately one year into my contract with XXXX, a XXXX home security services representative showed up at our door selling their version of home security, I immediately informed the rep we were in a binding contract with XXXX for 3 years, the XXXX rep stated that was not a problem and the XXXX rep stated his company XXXX will do what is called a take over, well we know that was a lie, 8 to 9 months later I get a call and a letter requesting why we backed out on our contract with XXXX, no problem XXXX took us back and waived all late fees and all missed payments, I sent XXXX several cease and desist letters, each time XXXX ignored my request to be left alone and to stop harassing my wife and I. now XXXX has turned this issue over to a company called Focus Receivables Management , LLC. XXXX Ga. XXXX, Phone XXXX my wife and I were duped into thinking this company XXXX was a company good upstanding company, we would very much like to stop XXXX from harassing my wife and I and to stop XXXX and Focus Receivables from passing this illegal account on to other collection agencies.

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 Student loan (Federal student loan servicing) with NELNET, INC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Prior to XX/XX/2013, I was submitting student loan payments manually via NelNet.com to my loan servicer, NelNet. In XX/XX/2013 I set up auto-debit. Because the auto debit would take time to take effect, I was told to submit a final payment manually via nelnet.com, I did. My loan was never delinquent during this time, this has been confirmed by NelNet. 
However, NelNet put my loan into forbearance without my request, and despite my loan payments being up to date. They redisclosed my loan and my monthly payments rose by a small amount. I have been paying them since 2013. 

I noticed this recently, and called NelNet. After they assigned a specialist to look at my case, they agreed to retroactively to remove the forbearance that occurred back in 2013, acknowledging that this forbearance was unnecessary ( it was never requested, and never applicable, because my loan never went into delinquency - it as a technicality that occurred as a result of me setting up auto debit ) but they WILL NOT retroactively adjust for the redisclosure that was triggered by the forbearance. Therefore, I have had a higher principle balance that I have been paying diligently for 3 years. 

My loan servicer put my loan into forbearance despite my on-time payments, and redisclosed my loan without giving me an explanation as to why this was happening. My monthly payments rose due to a technicality from me setting up auto-debit, and they failed to notice this or resolve it. I had the best of intentions by setting up auto-debit, and was penalized by NelNet.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Please view case # XXXX from the CFPB database and you will see I have attempted to get this debt " validated '' and not " verified ''. However, NO supporting documents have been provided. Also, I have attached supporting letters to mailed to the XXXX on XX/XX/2016. Please provide supporting documents for this debt or delete off my credit profile. 
Accounts : XXXX XXXX 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 11/28/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (DE).
Issue: Deposits and withdrawals

Complaint: Hello I have a M & T checking account that is set up for direct deposit for child support, when the first deposit came into my account it took 1 day to be deposited into my account, now my bank is taken 3 business days instead of instant deposit, at first it was the next day, then it was the second day, now for the the second time it 's 3 business days, for instance my children 's child support said XX/XX/XXXX and now it 's XX/XX/XXXX, and no child support deposit and the ignorant thing is my bank wants to blame child support, and child support is saying it 's my bank who 's not depositing it. 
Who is holding my children 's money and why? It 's not any one 's money to make money off my children 's money, in less they 're going to give us a percentage of what they 're making on my babies money over the years. 
I 'm 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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I see an entry listing a chapter XXXX bankruptcy on my credit report. According to FCRA XXXX ( a ) ( XXXX ) if the credit bureau CAN NOT VALIDATE the information they must remove said information from the consumer credit file. The XXXX Bankruptcy XXXX DO NOT REPORT ANY ACTIVITY TO CREDIT BUREAUS. Federal laws protect the privacy of most personally identifiable information reported. I have filed XXXX written complaints against the credit bureau and the results of the investigation has been that the item and description is XXXX and no change. FCRA explains that the item must be VALIDATED not VERIFIED that is XXXX different results. The credit bureaus refuse to remove from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Making/receiving payments, sending money

Complaint: I went to Bank of America to make a bank transfer to XXXX it 1st goes to a XXXX bank, can not be done on lineThe bank associate did not listen to me and sent the banktransfer direct to XXXX, client called, said money is beingreturned, went back to the bank the associate said she wouldhave the transfer returned and sent another bank transfer, the associate forgot to have the 1st transfer returned so thethe client got XXXX bank transfers of $ XXXXI sent a email to the XXXX of Bank of America it has been7 weeks, and Bank of America says its my fault and want to our company to settle for half the money $ XXXXI never thought that Bank of America would act this wayto a client..they have refuse to take any blame and refuse to refund our money this started XX/XX/2015How I found out the associate forgot the have the transferas I call the bank transfer department and they told me the1st transfer was never stopped so on XXXX/XXXX/15 I called thebank, that is when the associate did the return of the 1sttransfer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX which was opened on : XX/XX/2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to Resident Collect and Equifax to reflect that I had a stolen identity. 
The CRA XXXX Equifax XXXX continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 

XXXX again contacted the XXXX ( XXXX ), and submitted again the information and they state via letter that : XXXX is no longer pursuing the debt and the account is closed. The also say that they have ceased activity and have notified the CRAs of this intention. I am wondering why Equifax refuses to remove this from my report. Please see the attached letter. I want this entry deleted NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Medical) with Credence Resource Management, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ref ID # XXXX XXXX XXXX XXXX sold my original debt of {$4900.00} to Credence Resource Management LLC, after their fees the balance was {$5100.00}. I have contacted CRM, by phone and in writing, asking for them to provide me with updated invoices after making a payments. I also asked to make a payment plan and was advised they do not offer payment plans. I called today to get my balance. They confirmed I made a total of {$510.00} towards my debit but {$4900.00} is still due. I was never advised of an on going interest rate. I once again asked for an invoice and interest amount and the rep ignore my question and kept asking for me to resolve the balance.

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 07-02-2015 about Debt collection (Credit card) with Frontline Asset Strategies, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I moved from XXXX to XXXX in XXXX of XXXX. This debt has n't been paid since XXXX. Charge off date was XXXX/XXXX/XXXX. A collection agency purchased this debt. A judgement was issued on XXXX/XXXX/XXXX. I was n't notified of a hearing for this. I filed for bankruptcy in XXXX. The debt collector never responded to the court about requesting payment. On XXXX/XXXX/XXXX another collection agency purchased this judgement, this is the 3rd purchase of this old debt. They are now trying to collect this debt. This debt was given a chance to be part of my bankruptcy. I 'm now receiving only Social Security XXXX as my only source of income. I have no assets except for my XXXX, no cars, home ect. This credit card debt XXXX.How long can this be perused?

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (I do not know) with Esser, James & Associates (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Called me, and co-workers 3 times at work after being specifically told to NOT call, my work place, all 3 times threatening to take legal action, and stated a " case '' number. Meanwhile, they have never even identified a " debt '' I supposedly owe OR the actual reason they are contacting me at all. XXXX violations at least, + left voicemail message on work phone threatening legal action. Spoke to XXXX XXXX @ XXXX XXXX/XXXX/16, and XXXX XXXX XXXX senior rep '' @ XXXX XXXX/XXXX/16, who started yelling at me on my work phone threatening to sue me. I will be suing them in small claims court for {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion has fail to send me my report with results that I have been disputing containing wrong information since XX/XX/2017.

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 Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my Experian credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX on behalf of XXXX XXXX that I did not authorize. I have contacted XXXX XXXX XX/XX/2018 and was informed that I would have to send a copy of my drivers liscense and full social security mumber for validation purposes before they could help me with my claim. I do not feel comfortable with submitting such personal information to a possible fraudulent company. 
They also advised me to register with there so called credit bureau service to pull my credit report. 

They are advertised as a credit bureau affiliated with experian. I have never heard of this company. I XXXX this company and they have history of identity theft resulting in unathorized payday loans. I am afraid that submitting a copy of my photo id and full social will result in such fraud. I have never been asked to submit such personal info .. Also signing up for there credit reporting services and getting my report pulled would validate there inquiry claim. I feel this company is not legitimate and should be removed from my credit report before anymore damage is done. 

I have attached proof and request that you investigate this matter and remove it immediately from my credit file.

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 01/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The creditor filed on my report that I cosigned for a loan. I never cosigned for anyone. They provided Transunion a copy of the contract which show I was denied for a loan and never cosigned for anyone. All other credit agencies have removed the creditor ( XXXX ) and they have refuse to remove even when proof has been provided. I have submitted more that five disputes and they return an answer within 5 days stating its correct. I 've also filed a claim in court and added this item to my bankruptcy to have it cleared before the federal courts and informed Trans Union that it is my by chapter XXXX bankruptcy and they still continue to report the balance on my report while in bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents

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 04/14/2017 about Debt collection (Non-federal student loan) with Lockhart, Morris & Montgomery Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Lockhart, Morris, and Montgomery have failed to provide verification of debt. They have uploaded an affidavit not signed by me stating that the debt is mine. An affidavit is not proper verification of a debt. Proper Verification of Debt would be the Promissory Note with my signature and XXXX as the original lender. They have failed three times to provide the contract between me and XXXX as they state exist. Please upload the a contract between me and united first federal. DO NOT MAIL SUCH DOCUMENT TO ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation