milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I was given a misleading " loan modification '' by Nationstar Mortgage. What they gave me was a loan forebearance, disquised as a loan modification ( see the attached documentation ).   My payment for the initial two years has been {$1600.00}.   I received a notification " of the successful complettion '' of my loan modification, and informed that my new payment effective  XXXX   XXXX , will be {$6400.00 } ( an  increase of over 400 % ).    NationStar tol d me that I qualified for a new affordable payment, and that it would be extended if I made my payments on time. All payments have been made on time.   This is a consumer loan. A loan on my personal residence. I can understa nd a 25-50  % increase. A 400 % increase is criminal and must also be a violation o f Dodd Frank  laws.   The irony of this situation is that my original countrywide loan was an adjustable loan at 2.00 % over 12 month treasuries ( currently under 3 % ). Had the loan never been " modified '', My payment would be several  thousand  dollars less than they expect me to pay them in  XXXX . My loan balance also significanty less than it currently is. They also want me to pay back the entire loan, over the remaining 19 years.   I have written to th e Chairman and CEO, and have not been offered a solution. If their intention was to push me into a short sale, why did they trick me into making payments to them in good faith, over the past two y ears?   There is no equity in my proper ty ( it 's w orth {$100000.00} less than the current loan balance ).   Unfortunately refinancing with another lender is not an option.   I 'm sure that I 'm not the only  Nationstar  customer that in this situation.   I 've attached all supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This company has accessed my credit file with XXXX on XX/XX/XXXX and XX/XX/XXXX. I have written to the company to request documentation supporting their permissible purpose for this access, and have not had a response from them. I have also tried to resolve this issue with XXXX, but they refuse to investigate disputes as required by the Fair Credit Reporting Act. If they did, they would note that I have never filled out a credit application with the automobile dealer who sent information to this company on XX/XX/XXXX. Accordingly, without documentation to support permissible purpose, these inquiries should be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with RevMD Partners, LLC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: medical bill paid by insurance company is showing up as delinquent. 
Our XXXX Administrator said the following : Claim # XXXX was originally processed on XX/XX/2013Billed amount $ XXXXAllowed amount - $ XXXXCoinsurance - $ XXXXXXXX paid PROVIDER on XXXX/XXXX/13 {$510.00} ( Check # XXXX ) E payment - draft # XXXXTotal member responsibility on this processing $ XXXXClaim was Adjusted and reprocessed on XX/XX/2013XXXX overpaid provider by $ XXXXRequested reimbursement from provider of $ XXXXMaking NEW member responsibility of {$100.00} ( plus original {$57.00} ) to total {$160.00}. 

I would have the member 's provide the payment information to the provider that XXXX paid a total of {$410.00} and member is responsible for remaining {$160.00}. This will total the {$570.00} that was billed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Ditech has not acknowledged our loan modification agreement even though it was underwritten by them and sent to us for signatures in XX/XX/XXXX and has been notarized and filed with the County clerk since XX/XX/XXXX 

Even though we have not received a bill for over two years, we have been making religious monthly payments on our mortgage. 

We have been sent to collections once and which we had to fight with Ditech to overturn ; then with the credit reporting agencies to restore our scores. Now we are receiving delinquent notices again. 

Repeated attempts to contact Ditech in the last two years have resulted in nothing more than, " ... we will have someone contact you. " ; " ... your loan has been payed off in full. " ; " ... your paperwork has been misplaced/misfiled. " ; or " I do n't know. '' ETC ... Now it seems that Ditech wants us to apply for another modification.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: This is my  3rd c omplaint against Equifax, my initial complaint was on  XXXX   XXXX ,    2017 ple ase see attached documentation sent with verification, I called on  XXXX   XXXX ,    2017 a t  XXXX   XXXX  and spoke with a representative regarding a tax lien on my credit report and was told that  the Lien w as removed only to get my report in the mail and it is still appearing on my credit report, I am requesting again that the tax lien be permanently removed from my report, i deputed this same item with  XXXX  and  XXXX  and the item has been removed,

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Medical debt) with Sarma (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Upon checking my credit report in XX/XX/2018, I noticed a collection account names SARMA Collections Inc, stating I owed {$460.00}. Not only did I not receive official notice in the mail, On XX/XX/2018, I sent a certified letter disputing the account until they could verify it. I have delivery /confirmation for the letter dated more than 30 days ago. They have not responded with verification, nor did they let the 3 credit reporting agencies know I was disputing/ this account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: i borrwed  XXXX  dollars and paying  XXXX  each payday ever y two weeks  and the amount i pay didnt credit my account. They are charging me over  XXXX  dollars in interst for a  XXXX  dollar payday loan. I cant afford.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Ally has restricted my ability to make payments, receive statements, or view applied payments. When I sign in, it says " no vehicles ''. When I have spoken to Ally, they said I can no longer make payments online, but have not been able to tell me why I can not view my billing statements or payments applied. They have provided zero resolution. I received an email that says my billing statement is now available, by yet ca n't see it since Ally restricted my internet access. I also made a payment, and have no idea if they applied it. I 'm entitled to statements and should be able to see what payments have been applied. Attached is a picture of what I see when I sign in, everyone though I have been assured I can view my vehicle.

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Your files contain 's inaccurate information as a result of fraud. 

Tenant-Screening checks when XXXX XXXX XXXX uses the services of a third-party background screening company. 

Filing complaint against both XXXX XXXX and background screening companies for alleged violations of the FCRA. XXXX XXXX didnt handle Tenant-Screening reports carefully that is derived from a credit report. 

XXXX and XXXX do not have access to reliable information. 

Personal Information : Intentionally mismatch the Applicants common court history. 

XXXX and XXXX dismissed the Applicant under the guise of allegedly Owing rent and Possession Order. 

The entries XXXX saw on the Applicants credit reports, simply confirmed their own reporting as contained in the Rental Application. 

XXXX also XXXX shares of the organization clearly abuse those theories around XX/XX/XXXX, also XX/XX/XXXX, disconnect occasions. 

Record XXXX and XXXX Status : Closed Type Description : Both Cases Appealed From Lower Courts Action Type : Nonsuit and Rule 11. Written consent of the adverse party has been given. 

Other Complaints : 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 non-monetary relief
Consumer complaint received 04/20/2017 about Debt collection (I do not know) with Concentric Receivables Management, Ltd. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Federal student loan servicing) with Texas Guaranteed (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Twice now my federal tax refund has been withheld in its entirety to go toward these student loans. However, my credit report reflects that while my entire refund was withheld, only a portion of that actually went toward the balance on the loan. 

My refund amount from 2016 was {$830.00}. My credit report shows the loan balance decreased by only {$400.00}. I have been unsuccessful in getting the collection agency to furnish proof / payment history on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX has invaded my credit report by claiming that I owe an original debtor " XXXX XXXX XXXX " for something and the debt was incurred on XX/XX/XXXX,2017. First off, these two companies are one in the same. Secondly, it was never made clear who the original debtor really is, and third ; they may be attempting to refresh a collection and or charged-off debt from several years ago. I was never officially notified of by mail of any such debt.

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 08-01-2015 about Debt collection (Medical) with SCA Collections, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account was from my identity being stolen and is fraudulent, it is being reported even though it is a fraudulent account I have filed a police report and identity theft affidavit regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I applied for a Hawaiian Airlines Credit Card and was approved, after receiving my card I tried to place an order for XXXX XXXX and was declined, I was declined upwards of 9 times. I called Barclay Bank who manages the credit card claims that it is XXXX XXXX that is declining the purchase. 
I then tried to place another purchase from a company in XXXX. I was declined 4 times, again the claim is that it is the merchant. I then used my XXXX XXXX card to place the purchase and it went through. 
Customer service has placed that I make purchases from XXXX, XXXX, XXXX and that I was still declined. 
This abuse of power has to stop. PERIOD. There is nothing wrong with these transactions, I'm making them and I'm being prevented from making orders.

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 03/22/2017 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I want to have charge off status deleted. There is no contract signed by me with Portfolio Recovery connecting me with them. They purchased the account from XXXX and I have not contract with them. I had no contract with XXXX either. 

XXXX XXXX XXXX, CA XXXX Portfolio Recoivery, LLC .XXXX XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$1100.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION What do you think would be a fair resolution to your issue? 
Remove the debt from XXXX credit reports, show as paid. 

Delete Charge Off Status.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax LLC. continues to report unverified information on the credit report, in violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) as required byFederal law.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (ID).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Portfolio Recovery is again calling my cell and violated..I requested more then once all contact should be in writing and no phone calls.Both in writing and in my complaint here as well. Please refer to my complaint XXXX.Today I received a call to my cell phone at XXXX from Portfolio Recovery.Each phone call I have received is a violation.They have also sent me another letter again admitting they can not complete an investigation.Yet they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed this collection and it was removed from credit history on XX/XX/XXXX. I have received a letter dated XX/XX/XXXX attempting to collect the same debt for the same amount again.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: LVNV debt collection agency has responded with a statement saying they notified me via mail on XXXX/XXXX/XXXX ... I am providing documentation of a lease agreement with XXXX XXXX in XXXX XXXX where I moved to on XXXX..and I am employed with XXXX XXXX. Therefore, I was NOT notified of debt and LVNV is making a false accusation. The amount of {$1000.00} has been reported to all 3 credit bureaus and done so without notifying me of debt in their possession prior to the report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MT).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Dear Financial Services Manager,  XXXX XXXX : I am writing this letter in extreme frustration. This comes from the continuous and ongoing requests I have made to receive my credit balance on my PayPal Mastercard. I made two transactions in XX/XX/XXXX towards my overall balance, resulting in a credit balance of {$250.00}. On XX/XX/XXXX, I made my first request to receive my money via a telephone call. I was told it would take 5-7 days to issue. My second contact was on. XX/XX/XXXX via your chat option on the website. I did a screenshot of the entire conversation for documentation. I was told that the check had been issued on  XX/XX/XXXX and that it would have to go through a cancellation and then a new one would be issued. Again, nothing happened. My third and last request to receive my money was on XX/XX/XXXX via telephone call to a supervisor named XXXX. She assured me that nothing had been done from my last request and that she would take care of it. She said that the cancellation would take the remainder of that week and the new check would be sent out the following week ( that would be the week of XX/XX/XXXX ). Two weeks, fourteen days, have passed since that last request. 

If this {$250.00} was an amount I owed and I didnt make my payment for two monthly cycles I would owe compounded interest and penalty fees amounting to at least an additional {$120.00}. My next step is to take legal action which will then result in additional compensation for all of my time, my legal fees, and compounded interest and penalty fees. I also will be filing with the XXXX XXXX XXXX and posting to media wildly to warn other customers of your extremely bad consumer practices. 

As you can tell I am extremely frustrated. I dont care if this was {$1.00}, it is MY MONEY and you are REFUSING to REFUND MY MONEY. I am, for the last time, making an official request for you to REFUND MY MONEY!!!!

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 12-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: After the death of my mother, I was forced to stay with some friends of my mothers. They learned that I was going to come into some money after turning XXXX from the death of my father when I was XXXX. I was in the accident that killed him and received a XXXX XXXX XXXX from the crash. The people I was staying with talked me into receiving a lump sum payment from XXXX. The money was deposited into an account with Bank of America. XXXX man that I was staying with, went with me to the bank while receiving the card, and must have overseen me creating the pin. He then took the card from me and then kept it to himself. He was known to carry a weapon and I was intimidated into not saying anything. Over the next several months, he was withdrawing money from my account. I was finally able to get in touch with my sister that lived in NC after she had filed and missing persons report and had the police come out to look for me. After the police had questioned me, ( I was too scared to tell them I was unable to leave and needed help ) the people decided that I should just leave and go to my sisters ( I found out later that they had already withdrawn all of the funds from my account ). After arriving in NC, my sister helped to file a report with Bank of America and the police about what had happened. The police said they would look into it, which has n't resulted in anything yet. Bank of America refunded XXXX and said they were unable to do anything about the rest of the money. Around XXXX was removed fraudulently from the account in total.

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