milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Promissory Note with Bank of America XXXX BOA XXXX that was cancelled in XXXX. After repeated requests for them to remove the lien on my property, BOA has not yet removed the lien ; nor have they responded to my requests. Furthermore, BOA is attempting to foreclose upon the property on behalf of XXXX using a non approved substitute trustee and foreclosure attorney XXXX XXXX with The XXXX Law Firm, who dismissed the foreclosure on XXXX XXXX, XXXX, withdrew from the case on XXXX XXXX, XXXX and now bringing back a XXXX Motion To Withdraw their voluntary dismissal. 
I seek your assistance in ending further extortion attempts by Bank of America and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I rented a house with 3 other individuals from XXXX XXXX XXXX in XXXX, CA in the year XXXX, 2 of the roomates left before the lease was up so I was forced to leave because I could not pay the rent alone with the 1 roomate who was left. I made several attempts to contact property management to explain what happened and return the keys. We ended up going to court with the company after they " evicted '' us, although neither of us were no longer living at the property, we explained what happened to the judge he told the property manager to go to the house and make sure the house was not damaged. We returned to court a second time, the property manager reported the house was in good condition and he dropped the law suit without prejudice. Months later I am being charged for over {$10000.00} in damages to the home. I tried resolving the problem with the original company and they claim to not have my file and neither do their corporate office. I then went straight to XXXX and sent my supporting court documents of the results of the case and they were able to remove the collection. I attempted to also dispute with XXXX but they are claiming they can not do anything, that I need to have the company remove it from my credit report, even though i explained to XXXX that I have already made numerous attempts to do so with no success. I am at a loss of what options i have left to remove this from my credit. Thank you for your time.

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 04/22/2016 about Debt collection (Credit card) with V and H Portfolio (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A family member, one of my sisters, told me of a company called Vance & Huffman had been calling her daily and leaving voice mails stating they needed to get a hold of me for me to fill out paperwork. My family member finally was able to answer one of their calls to try and end their constant contact, she was at work when they called and unable to answer her phone. They again told her I had paperwork with them that needed to be finished but refused to state anything further when she questioned them. 

I researched this company online and found they have numerous complaints against them via the XXXX. Some other reports I found state they use phishing techniques to gather confidential personal information. 

I received a letter from Vance & Huffman stating they purchased my XXXX XXXX XXXX account and I owe them {$670.00} and if I do not reply in 30 days they will assume the debt is valid. 

I had run my credit report on XXXX/XXXX/2016 and the account they are claiming does not exist. I did have a XXXX charge card years ago and it has been off of my credit report for 2 - 3 years now, it was paid and closed. After researching this company I am leery contacting them via a phone call since they would now have my phone number, demanding money for an account that does not exist is why I am contacting you, I doubt my phone call would do any good in resolving this issue, I obviously want to avoid this company having any more information on me as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: My situation is unique because its been caused by my employer state government closed my work the sudden loss of income had a bad impact on my health to the point that I was forced to apply for my social security benefit unfortunately government dont care about people they are slow behind I send my situation to the office of senator XXXX XXXX and California governor XXXX XXXX and they are aware of my situation I the other hand SLS never worked or try to assist me And from the beginning everything they done is only in a path to take my home SLS is under a lawsuites for not comply and doing the same thing they done to me to other homeowner and this is how they operate by playing game toying with home owners so they could take their home I have hundreds of complaints of other homeowners that how SLS took their home On the same date that SLS is selling g my home I have XXXX My son is in. XXXX XXXX SLS is a fruad company and they need to be fined and put away for what they done and doing to home owners Cfpb not doing their job by not investigate SLS

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax improperly handled my credit report data, resulting in a breach of all of my credit history and personal identifying information. These agencies should n't even exist, how are they allowed to collect all of our information with no government oversight. Credit and financial history should just be an arm of the Federal government so this can be given proper oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (AR).
Issue: Loan modification,collection,foreclosure

Complaint: I am sorry to trouble you with my problems. I am a very strong woman, but I have run across a scenario that I can not manage on my own. CitiMortgage/CitiBank is trying to sell my house through foreclosure, but is n't taking the time to try to help me save my home. The set of circumstances that led me to where I am today were beyond my control and no one at CitiMortgage has been willing to take the time to sort out this problem. 

In XXXX I fell into hard times ... I was diagnosed with XXXX. During this time, Citi Mortgage offered me a loan modification. I was unable to work regularly, but I managed to keep up on the mortgage during my treatments. Inevitably, I could n't continue to keep pace and missed my first mortgage payment in XXXX and started to fall further and further behind. 

This is where it really got ugly. Once I was in XXXX, I sought help but the lender told me I had exhausted all my loan mod options and that the only choice I had was to be set up on a repayment plan. I had no other choice but to accept their terms, so I agreed to the 11 month repayment plan. They set me up with an automatic payment through my bank card. They withdrew XXXX payments and then stopped -- -- Why???? This opened a can of worms. When I found out ( after XXXX missed payments ), I called CitiMortgage and was told I now had to pay " all or nothing ''!!!!! When I was given no options to solve the issue I had no choice but to focus on my situation and stop devoting energy to this. 

Once I was healthy enough to back to work on a regular basis in XXXX of XXXX, I called CitiMortgage again and was given a new representative to deal with. She asked how much I could pay. I told her I could pay {$1000.00} right then and then another {$1000.00} in XXXX. I also indicated I would pay in XXXX the rest to catch up since I 'd be getting tax return money. The XXXX payments were taken, but when I called in XXXX XXXX as planned, this rep said my file was now with the foreclosure attorney -- -she checked with that office and came back and told me there was a sale date and that I needed much more than the {$4000.00} I was going to pay to catch up!!! That 's not right!!! 

My house is now in foreclosure with a sale date at the end of this month!! I have XXXX kids, XXXX with XXXX. This is our home and I feel CitiMortgage has been dishonest and unfair with me. They are trying to steal my home and kick my family out on the streets. I 'm not asking for a handout. I have recovered from the hardships that started this mess, but I need to get some cooperation ( and decency!! ) from this lender. I would appreciate any assistance that leads to saving our home and keeping my family where it belongs. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (I do not know) with Seattle Service Bureau, Inc (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I got in a wreck on XXXX XXXX. It was a head on collision. I had a XXXX behind the wheel, crossed over the median and hit a car head on. I was driving my roommates car and there was n't insurance on it. I have paid all my court costs and everything that I had to do. And now these people are sending bills to my brothers house asking for {$27000.00}. It has both mine and my old roommates names on it. But what I 'm not understanding is how my roommate was able to get another vehicle from the same place that the car that was wrecked was from. And how she was able to get the wreck taken off of her credit. But yet these people are still asking for money.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My Navient student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.      XXXX  refuses to correct the incorrect data supplied to all   XXXX   credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!

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 12/27/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A debt in the amount of XXXX from National Credit Systems is being reported on my credit report. I have requested validation of the debt. The company replied by sending a contract beginning XX/XX/XXXX and expiringXX/XX/XXXX and an account statement stating that my lease expired XX/XX/XXXX. The statement also says that the move out date was XX/XX/XXXX which is incorrect. National Credit System failed to send a lease renewal, a current contract saying that i occupied the complex during the time the charges were put on the account, and transaction history. I have let them know that they are reporting inaccurate information and that there was no contract with the company. I received an automatic message stating that the information is accurate and that it will stay on my report. As you can see the dates do not match up and there was never a renewal of the lease. The complex also received a 30 day written notice. Without the lease RENEWAL, the debt can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Student loan (Private student loan) with CONGRESS COLLECTION CORP (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: After several requests XXXX XXXX has never mailed me a receipt of a payment. And said he did not know if he could get my loan info. How can you collect a loan without loan acct information? This company true to collect dirty but has little paper trail or verification to back up their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (SC).
Issue: Charged bank acct wrong day or amt

Complaint: The company is Cash Central online. When I took out the loan the payments were scheduled for XX/XX/XXXX/XX/XX/XXXX but they started taking my monies out before the scheduled date. Yes, it caused me to bounce several times, and I am sick of the harassing calls at work. I emailed and told them numerous of times to please stop calling me at work and they refuse. I would like for this company to leave me alone b/c I am paying them but I told them I will stop paying them due to the fact they are so nasty, and they hate to answer your questions always talking about send an email. I would like to know what can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, XXXX and Transunion and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I filed a complaint with TRANSUNION XXXX AND XXXX about hard inquiries on my CREDIT REPORT that are not mines PERIOD. The ( ONLY ) hard inquiry that is mines is the ( XXXX 'S ) that's showing on my XXXX only. I also called the fraud departments on ALL the other hard inquiries on my 3 CRA 's and THEY sent over requests to have them DELETED yet they are still there. And TRANSUNION AND XXXX both have yet to provide me with ANY/ALL documents they have with my signature on it that gives them the right to have a Child support LOAN showing on my CREDIT report.

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 12/23/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (FL).
Issue: Taking out the loan or lease

Complaint: I 've filed a dispute with Consumer Portfolio Services regarding an account on my credit reports. I sent XXXX separate letters certified, however they claim that they never received my certified copies. I requested to proof bearing my signature that I owe this debt. I did not hear from Consumer Portfolio Services regarding my concerns. Based on the FCRA they are required to respond to each dispute requesting documents within XXXX days. I did not receive a response from the creditor, until approximately XXXX days later. 

I contacted Consumer Portfolio services in XX/XX/XXXX requesting signed documents and wanted to know why have I not received a copy of the contract. They then followed up with an email providing documentation. Upon reviewing the documents I noticed that the signature that they have on file is not my signature. 

I have been previously subjected to identity theft. I had a car dealer forge my signature, I took them to court and won that case.I have attached the court documents but due to non-disclosure, I removed the amount awarded and name of the dealership, but will say that the Dealer 's name on the contract submitted by Consumer Portfolio is an affiliate. The documents that Consumer submitted to me, looks identical to the signature that was previously forged by a car dealership. I have attached attached a copy of what my signature looks like as well as what Consumer submitted to be my signature. 

This is my last and final attempt to resolve this issue with Consumer Portfolio services. 
This account is only showing on my Equifax and TransUnion file. I sent this dispute to XXXX and based on their findings they removed the account. 

I will be be suing Consumer Portfolio Services along with the Dealership listed on their contract for XXXX of Identity Fraud. 
I have also attached copies of my police report concerning identity theft and Identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Reporting information from XXXX is incorrect. The original account was from XXXX. It was sold to XXXX and they are reporting an open date of XX/XX/XXXX when the actual date for the first collection was XX/XX/XXXX. This account is for early termination of service contract and not for the services provided. I did the dispute but the collections company and the credit reporting agencies will not change the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Other debt) with The CBE Group, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was contacted today by XXXX XXXX of CBE Group ( a debt collection agency ) in XXXX IA XXXX in order to collect a debt they say I owed from a XXXX subscription of {$370.00} that was 26 days in collection as of XXXX XXXX, 2017. I knew this was bogus because we have had XXXX XXXX for the last six years. XXXX is not even a choice in XXXX AZ XXXX went on to tell me the XXXX service was for someone that lives at XXXX XXXX XXXX XXXX, XXXX GA XXXX with a Disconnect date was on X/XX/2017 and gave me the account # XXXX had all my personal information, address, phone and social security number

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 12/30/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I am a permanent resident of the United States of America since XXXX XXXX. I am a XXXX XXXX XXXX XXXX in my final year and a XXXX XXXX. My husband is a XXXX XXXX. Our annual income is over XXXX $ a year. Although we have many credit cards including an unlimited XXXX XXXX XXXX XXXX ( my Fico is XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX ),  XXXX with limits over XXXX $ and many more store cards, we have been constantly declined by XXXX : - XXXX XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX The agent XXXX ( ID XXXX XXXX XXXX ) in Arizona, XXXX XXXX XXXX partnered with Citibank stated that the reason would be a " rejection by the system '' because of the " limited credit history ''. Although I have a very high credit score, the fact that I am a permanent resident makes me vulnerable by the XXXX automated credit card processing. Such an automated decision is a violation of the federal law, because it would decline any new permanent resident, although a specific situational case by case decision must be met in order to be complaint with the consumer protection law.

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 08/18/2015 about Mortgage (Other mortgage) with BB&T CORPORATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: The bank charged higher interest rate than the loan contract for two and half years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation