milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Bass & Associates, P.C., Attorneys at Law (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Spoke XXXX # XXXX, XXXX XXXX was consolidated XXXX XXXX 2004, and they are not going to stop reporting even the account is closed and the statue of reporting which I was previously advised is 10 years, This is hurting me really bad on my credit and I do not have a contract with Bass and Assoc since they are saying that 's who they sold my loans to, so the Bass and Assoc is adding monthly fees to make it look my loans are current when in fact they are 14yrs old. Can you please get XXXX to stop reporting a closed account? This is a violation from the statue of 10yrs and it 's looking like my loans are new when it 's from 2004. Can you please help me get them to stop reporting charges onto my closed acount? They do not need to delete just stop adding new balances PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (DE).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX I paid off my mortgage. I have called and was promised multiple times that I would get the paperwork for my mortgage. 

The latest call XX/XX/XXXX, I was told that the mortgage info for XXXX was not legible and that they requested a clear copy. I was unsure of this since XXXX has been Nation Star for  some time, buying out my mortgage. Now they renamed to Mr. Cooper, I was sent documentation of the loan payments being received.

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

Complaint: This debt was sold to the creditor from a different company. I did not go into contract with portfolio recovery and they are unable to produce paperwork stating that I have a contract with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is Public Record Information on my credit report that is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, the CB 's are reporting as still active or satisfied. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern. Not only did you not respond to my QWR in XXXX days you have not fixed your errors. As you know the CFPB has been notified and you finally sent me a letter saying you are researching. Not only did you not apply the XXXX payment correct. I had not received a bill from BSI or statement since XX/XX/XXXX. I paid off what was due and had still been fighting your incorrect again applying of funds there. XXXX is trying to make late as no bill and no online access. I received nothing for months and asking. Also your online statement shows nothing. I have emailed with zero response for a month. I copied CFPB on emails with supporting documents of my screen shots as well as attorney who is compiling all of the violations. I finally received XX/XX/XXXX bill on XXXX/XXXX/16 mailed by BSI on XX/XX/2016. Strange how that worked having to go to CFPB just to get XXXX to actually follow the rules. As a servicer as well the overall incompetence and overcharging has been caught. As with adjustable my payment in XX/XX/XXXX was XXXX which is the only time it can adjust yet all of a sudden now you are charging a different amount which is illegal and the changes were never put in to writing from you. It was just added as you felt necessary and I went through my entire loan with lawyer and we have actually found a great deal of violations which will entitle me to thousands now for the bullying and false charges throughout on this. I do not know why XXXX can not fix their wrongs correctly. It just so happens that my niece is now dating a man that used to work for XXXX and now is at another commercial loan company and he was pretty high up at XXXX as well as XXXX assets and a lot of information is coming out from this. It is quite interesting how this will be public with an investigation now by some lawyers and other people in southern California coming forward. Stop stealing money and apply the payments correctly. I should now be paid up through XX/XX/XXXX with all the charges that were wrong and still XXXX later can not be applied correctly. Also per the statement directly from XXXX in XX/XX/XXXX my XX/XX/XXXX payment had a partial of XXXX just sitting in the account and no one told me you were holding extra money. She said to pay XXXX so the entire XXXX would be applied but now XXXX just changes when they want. It does not work that way.

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 01/19/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Sent in a letter to equifax to have them verify everything they had for my XXXX XXXX accounts and XXXX account and not to just send back item verified but to send all the documents they had on file used to verify it and if not received within 30 days under the fair credit reporting act it must be deleated off my report if failed to send the documents, so I want the accounts deleated asap and not wait for it

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On Monday, XX/XX/XXXX, I attempted to open a Home Equity Line of Credit through my Credit Union. I was told that they were unable to access my Experian credit report.

That evening I called Experian ( after researching on the internet how to get an actual person, because there is no way to get a live person through their numbers ) and was told by XXXX that the report was fine, and had been accessed twice by the credit union. 

On Tuesday, XX/XX/XXXX, I went again to the credit union. This time the back office was contacted and told me that the report was run but there was no credit history, and the address on file was actually the address of my ex-husband, where I never lived. 

I made several calls to Experian on Tuesday, but was unable to get a satisfactory result. I was told repeatedly that my report was fine. 

On Wednesday, XX/XX/XXXX, I called Experian again. I spoke with someone in Personal Solutions who began a report ( # XXXX ) and corrected my address. My credit history is still unresolved. I am still unable to obtain a home equity line of credit. The other two credit reporting agencies, XXXX and XXXX, have correct reports as of XX/XX/XXXX. I need this issue resolved. I have now spent countless hours on the phone and have no resolution.

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 09/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Colony Brands, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is an account that is unknown listed on my credit file. I have disputed with no response or validation. Please help, I never did business with this company

Company response to consumer: Closed
Consumer complaint received 07/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: I have had a XXXX XXXX, Bank of America Credit card since XX/XX/XXXX, this was a Platinum card with a credit limit of {$60000.00}. During the course of having said card, I have never missed a payment and my account was in good standing. My XXXX credit score went up a few points last week to XXXX. Sunday XXXX/XXXX/XXXX, I went to make a purchase and my card was declined, I immediately called BOA and was informed that my account was closed and after days of phone calls, I was informed that " it was a business decision to close my account ''. I inquired as to my XXXX rewards points and was informed that the points were forfeited upon account closure. I am seeking any form of assistance in this matter of BOA and their unjust account closure and criminal act of stealing my reward points. Thank You.

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 01-03-2017 about Mortgage (Other mortgage) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/2016 we started the process for a short sale on our primary residence. This short sale was necessary because I had received an offer for a new position in XXXX California. The current housing prices had not caught up to what we owed on our house and with the cost of the sale, we would be short funds to pay down all of the liens. I submitted for and was approved for a HAFA short sale through XXXX Bank. Under the HAFA guidelines 2nd lienholders ( Washington Federal ) would be guaranteed up to {$12000.00} for the balance of the loan and the remainder would be forgiven by the bank. California legislature passed a law, SB 458, which protected the home owner from being pursued by a lender for the unpaid lien balance. We worked with XXXX and informed him of our circumstances, provided financial documents to show we could not financially make up the difference once the house closed nor would we be legally obligated. XXXX refused to take the {$12000.00} for the payoff of our loan of {$19000.00}. We had a buyer that was qualified and ready to move in, however it was apparent we would need to foreclose because of XXXX denial of the funds approved by the HAFA program. Toward the end of our short sale process the buyers, reluctantly, paid {$5000.00} toward our balance on the Washington Federal loan. This transaction was outside of the title proceedings because under the HAFA guidelines this transaction could not be on the title documents. XXXX again refused to take the {$5000.00} plus the {$12000.00} and forgive the {$2000.00} we had left on our balance. The only way XXXX would release the lien was if we agreed to continue making payments on the remaining {$2000.00} once the sale was final. Other than the document he created and we had to sign, we were not legally obligated to continuing making our payments as per SB 458 and HAFA guidelines. We submitted a copy of the signed document to XXXX Bank and they refused to proceed with the short sale because the letter violated state law ( SB 458 ) and HAFA guidelines. Our realtor received the {$5000.00} from the buyer and took personal money and paid off the Washington Federal balance so the house would not go into foreclosure. We paid her back from our moving expenses proceeds from the HAFA program. XXXX handling of this process were both unethical and unprofessional.

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 12/30/2016 about Payday loan () with CURO Intermediate Holdings (OH).
Issue: Payment to acct not credited

Complaint: AD XXXX is a collection agency for a payday loan company known as Speedy Cash. A loan was taken out through Speedy Cash back in 2008. They attempted to collect on my then bank account and funds were not available. The loan went as unpaid for years. Now, after XXXX years later, I attempted an online application with this same payday company. they had me contact AD XXXX, whom are still trying to collect on this debt. I never received collection letters nor is this debt listed on any of my credit reports. They refuse to drop the debt from their records and insist on keeping the debt open until I pay. Legally, all unpaid debts are to be dropped after they are XXXX XXXX XXXX or older. The rep on the phone was very rude and insistent that I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MN).
Issue: Credit decision / Underwriting

Complaint: We ca n't get citi mortgage off of our credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus inc. my mortgage servicer has taken payments from me over the phone then sends letters saying my account is suspended and the money was put into a suspense account. They have tried to charge me with incorrect fees such as property inspection, that are only allowed if im in default. I would n't be in default if they properly applied payments they have taken from me and put in suspense.When I call I tell them and tell them I want to make my regular monthly payment and dispute the charges they agree and take my payment, then later they send me the letter saying I am in default because the money they took from me is in a suspense account.Meanwhile they keep adding fees including a lock change fee which never happened, they refuse to send me a complete intemized list of the fees. I have ample resources to pay they just wont apply any money taken to my account, they also report me to the credit bureau companys .All I want to do is pay my mortgage they insist I must pay these fees with no chance to even see what they are. Please help me I continue to fall farther behind every day Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Medical) with NRA Group, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never informed of the debt being collected. This agency did not make any attempt to contact me regarding this issue of owed medical bills. The agency just added it as an alert on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Other mortgage) with Seterus, Inc. (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Seretus a loan servicing agency does not have sufficient internal systems to deal with non-standard situations. I am appointed XXXX in a family case. The agency has not been able to understand my position. I want them to send a matter to their Legal department. After time was spent sending them information, they acknowledged they could speak with me, I had the social, and the loan number from their documents, but then insisted I state the original names -apparently the full middle name- of the mortgagor. I had not been informed of what information I would need in my earlier conversations with them. I contacted the parties, so with additional delay I was told they do n't remember what name was used, but I am going to try again with the middle names. I appreciate their need to protect the information they have. This problem with probably arise with executors and other parties, there needs to be a path way for people with legal rights to the information to find it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit Bureau is reporting inaccurate information on credit report with XXXX XXXX
Account went from OK XXXX-XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXXXX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

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 04-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My automatic loan payments continue to me misallocated. I receive phone calls every month indicating that i am past due on my federal loans. I call Navient to investigate and after 30-60minutes on the phone it is discovered that my loan payments ( to loans " 5 & 6 '' ) were misallocated. The loan payment is then re-allocated correctly. I am told the problem is fixed. then 2-3 weeks later I receive another voicemail on my home phone " this is XXXX from Navient there is an important matter to discuss regarding your student loans. '' I call, the same probalem ; the problem is " corrected again ''. Every month for the past several months I have to fix this problem. there does not appear to be any end in sight. Navient does not seem to know how to correct the problem. I am being harassed with daily phone calls on a monthly basis for a problem in their system which they can not fix. I want a permanent resolution to this problem. I have n't had a late loan payment in & gt ; 10 years. I do n't want Navient to ruin my credit, because they are too incompetent to fix the problem with their computer system.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (PA).
Issue: Struggling to pay mortgage

Complaint: I owned the property and was keeping it and I moved to another area. I planned on keeping the property and sell it at a later date but I was in a serious accident and XXXX XXXX XXXX and was out of work for 10 months and could n't pay it. so I have been in the process of a short sale for a year now and my mortgage company wo n't agree to the buyers amount to pay for the home, the mortgage company want 's more than it was appraised for. So they said it will go to a sheriff sale, If that happens they wo n't get half of what the buyer is willing to pay. The buyer is being being very patient, .I sent all the requested paperwork to the mortgage company to show I do n't have the resources to pay for the house.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: The loan originated XX/XX/XXXX with a principal of {$140000.00}. In XX/XX/XXXX the XXXX of XXXX loan modifications was granted by the lender. The pre-modification unpaid principal was {$140000.00}. The newly calculated unpaid principal became {$160000.00}. In XXXX XXXX the XXXX loan modification was granted by the lender. The pre-modification unpaid principal was {$XXXX}. The newly calculated unpaid principal became {$180000.00}. The bank has been contacted on multiple dates and included conversations with a variety of representatives from different departments. How can a loan origination increase by 28 % or {$39000.00} ( {$180000.00} - {$140000.00} )? Does a consumer have the legal right to understand loan calculations prior to approval? Is the practice of mortgage principal increases common with loan modifications? Is it legal? Or just unethical? What are the options for an equitable solution? The task of receiving answers to these and many other questions have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (I do not know) with Oxford Law, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receiving calls from Oxford Law LLC making a claim that I have a debt of over {$29.00} from a line of credit I opened in XXXX with XXXX Bank. That is over 21 years ago, I remember no such account. In XXXX when this debt was supposedly incurred, I was living in XXXX. In XXXX I moved to XXXX and lived there for 10 years. In XXXX or XXXX I filed for bankruptcy in XXXX Court in XXXX and had my debts resolved. According to Oxford Law, they have been trying to contact me but have been unable to do so for years. Even though I have moved a XXXX of times, I have ALWAYS left forwarding addresses and have had no trouble being contacted by any other businesses. Oxford Law even called my exwife hasselling her to find where I live and how to get ahold of me. I was initially contacted in XXXX by XXXX XXXX XXXX a law clerk at Oxford Law who said she needed to verify my personal information, etc. She did not give an address to reply to or would not state specifically what the debt was for. I did not hear anything more for 2 or 3 weeks. Starting on XXXX/XXXX/XXXX a man called and wanted to verify my information. He did not identify himself, or state who he was working for and kept wanting me to make plans to start paying on the debt or a suit would be filed against me. I told him that I needed information from him such as name and address, company he works for, what his position is and told him that I have the right to question and demand verification of the debt. He said he would email me that information. That was XXXX/XXXX/XXXX and today is XXXX/XXXX/XXXX and I have received nothing email or otherwise. Tonight, on my phone I noticed he had called again but left no message. I attempted to call him back at XXXX and was sent to the company mail box and told to leave a message. When I tried to do so. I was cut off.

Company response to consumer: Closed with non-monetary relief