milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, I contacted a reality company about doing a short sale on our property. We signed with them to do the short sale process and submittal of all of the paperwork. The reality company said to not make any improvements or any future payments because we were trying to do a short sale. The bank took until XXXX to respond to our short sale offer of XXXX which is the appraised value of the house. We were offered a loan modification but opted out because we did not want to keep the house due to being 48 % upside down, low income housing filled the empty lots in our neighborhood, and we had a home invasion in XX/XX/XXXX and theft the day we moved out. Plus financially we could not afford to keep the house which is the hardship we claimed on the shot sale. We vacated the house in XX/XX/XXXX to aid in the house being shown and move in ready. The reason for the denial was my credit score was above XXXX and that is the only reason given. We listed the house immediately in XX/XX/XXXX We had XXXX showings, but no offers. Our realtor decided to try again for a short sale since all of the non payments on the house have reduced my credit score below the XXXX and my Wife lost her job on XX/XX/XXXX so that added to the hardship. We started the process on XX/XX/XXXX and we received a certified letter on XX/XX/XXXX from XXXX XXXX XXXX, XXXX for the acceleration of maturity and stating that the house will be auctioned off on XX/XX/XXXX for XXXX. According to the paperwork, the house went into foreclosure status on XX/XX/XXXX. This is the only notice that we received about the foreclosure status and the process even starting. All of the new financial information and a new short sale offer of XXXX was submitted on XX/XX/XXXX. On XX/XX/XXXX I was informed by my realtor that Carrington Mortgage informed her that nothing would stop the auction from taking place on XX/XX/XXXX except for catching up the payments. I believe that since I still have PMI, auctioning the house and claiming on the PMI is the only way for the bank to get all of their money and that is the reason for not accepting 2 fair short sale offers and accelerating the maturity of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   XXXX  :  XXXX  account  XXXX  Equifax To Whom It May Concern :  I c ontinue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence?   Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Payday loan, title loan, or personal loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Onemain financial charged my account on at a different time in  XXXX  around 2 years ago. They ran the account multiple times without enough money in my account causing multiple bank fees. I 'm not concerned about the bank fees. I 'm concerned that they wo n't stop calling and they have reported it as late even though I 've made several on time payments since. The loan is set to be paid off at the end of   XXXX  . Onemain financial is also reporting the total balance owed if I pay if I do n't pay it off early rather than reporting the payoff as of this month. Causing a higher debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Credit card) with Blueshore Recovery (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was told I had to pay over the phone and sign an email statement. They would not send me paper mail and they do n't take paper payments. This is a copy of " visual voicemail '' threaten to contact my employer ; '' Good afternoon XXXX XXXX this is XXXX XXXX over here would XXXX how you did speak with XXXX of my representatives back on XXXX XXXX regarding your case in your account here in the office you supposed to contact them back to stop my client from proceeding forward for further action but we have yet to hear back from you at the present time they sent your account down to my department if I do fail to hear from you I will assume that you are forfeiting your legal right to resolve this matter on a voluntary basis and at that point in time or notify my client they can proceed to move forward. First I fax it over employment verification to your employers office once employment is verified the client will proceed forward to the next level. The number you would need to contact if this if this is something you would like to still resolve. ''

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: Basis for the dispute : On XXXX Account # XXXX status is closed, but reports numerous lates and paid as agreed after reporting charged off with an open date of XXXX/XXXX/XXXX. XXXX showing last payment but reporting paid as agreed one month than late and or charged off next month ; On Transunion is reporting a different account open date of XXXX/XXXX/XXXX and payment history as not reported and closed as charged off with a date of last payment/activity 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 10-05-2017 about Debt collection (Medical debt) with Healthcare Collections-I, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: While checking my credit report in XXXX XXXX I saw a collection from Healthcare Collections. I disputed this with the credit agency as well as requested validation on this debt. The collection agency sent me a itemized list from XXXX XXXX XXXX for {$250.00}. I disputed that this bill was not mine and that I 've never been to XXXX XXXX XXXX. They sent me a letter that said that their client was XXXX XXXX XXXX XXXX yet the itemized bill was from XXXX XXXX XXXX. They never sent me validation and said their client XXXX XXXX XXXX has verified the debt. This is unfair and deceitful. I am attaching the itemized bill that clearly says XXXX XXXX and the letter from Healthcare collections stating XXXX XXXX XXXX XXXX. I am in the process of dealing with an attorney on this issue but want to file a compliant.

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 01/27/2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NJ).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: In XX/XX/ my vehicle was repossessed and I was verbally told I can redeem it as long as I paid a certain amount by the XX/XX/XXXX. I in fact paid it and was then told I needed a release to obtain my vehicle back. After several calls I finally received the release but when I called the auction where my vehicle was being stored for whatever reason they kept telling me they were closed, never received the release and I have to call several days later to make an appointment to retrieve my vehicle back. It now is days later and after several calls to the lien holder I still have no vehicle and since have lost my job since I have no way to work. Also I never received the statuory proper notices by mail per the NJ repo law stating they repossessed the 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 02/13/2017 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: I paid my credit bill on time, actually early. Citibank up 'd the minumum charge for {$25.00} to {$35.00} without notification. I called XX/XX/XXXX and the fee was reversed just to be re added XX/XX/XXXX. I paid {$35.00} XX/XX/XXXX prior to the due date in which then called me daily for weeks they had just increased the min pay to {$40.00} and decreased my credit limit so now the account is over the limit. They also added without my concent some protection service that I did not want and yep, added that to the over limit

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 01/25/2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I pulled my credit back in 2008 and saw a new credit card account on my credit file and immendity call the bank ( Chase ) and told them it was n't mine nor i did n't apply for this card. The bank said they would stop the account and send a message to the three credit bureaus to have the account removed. Never happened!!! I have filed several police reports and filed report with the FTC and CFPB and now i have filed a law suit against the bank locate in XXXX County NC. This account was fraud and they know it. Please remove it now and if not ill proceed with the lawsuit in District County in NC.

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. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: in 2010 s omeone filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FC RA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has to be  remove

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 04-11-2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (NY).
Issue: Shopping for a loan or lease

Complaint: Lending club sends me XXXX offers a week to my home. I do not want a loan from them. They refuse to stop mailing me offers

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: ERC collection services, sent a collection notice to my parent 's address. I believe this was an attempt to avoid the mandatory validation period. My current address has been the same for 6 years and it can be verified on my credit reports. My mother just sent forward this notice to me on XXXX XXXX, 2016. This letter was sent to my parent 's house on XXXX XXXX, 2016. This was an obvious attempt to circumnavigate the validation process, by sending it to my parent 's address. Derogatory marks concerning this notice has appeared on my credit report. This is in violation of the Fair Debt Practices Act, because I never had an opportunity to seek debt validation.

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 10-07-2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am currently in the XXXX XXXX. I supposedly have a collection pending for a transaction of XXXX XXXX I never have received notification to pay this amount before going to collection. I believe it is unfair because if at any time i would have receive a notification, this would n't be in collections right now.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (WI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I kept getting calls from XXXX, I would answer and no one on other end would answer, I finally called them back and it turned out to be American Medical Collection Agency. Trying to collect {$12.00} from a lab company. They had name of my Doctor. I went to My Doctor 's office & raised XXXX about turning over {$12.00} to a collection agency, as I keep a {$0.00} balance on my account with them after my insurance pays them. They looked into it & told me to beware of a scam. Had n't heard from this collection agency for awhile, now they started calling again. I got some guy with an XXXX ( country ) accent start threatening me, said he was recording call. So being 100 % XXXX, I told him " record this '' & I introduced him to some stress reliving swear words in my XXXX accent & told him I was going to report them to the FBI. I could not find where to file a complaint with them. Your site came up, so here I am. I am a little worried about some sort of scam, not the {$12.00} they think I owe. They had my Doctor 's name, my phone number, and my e-mail address. This worries me the most. I looked up the number on line, and it seems this company is very " shady '', as there seems to be many lawsuits being filed against them. I would like you to contact them and remove me from their call list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Several Months ago I filed for a home loan modification. The company SLS has our mortgage, they are somewhat new to us. I have taken the liberty multiple times of sending in every document they requested of us. I spoke to our representative XXXX, just before the XXXX XXXX holiday. XXXX assured me since I have submitted the same docs over and over they had everything they need to put our case under review. I have not worked since XX/XX/XXXX2016. I look in our mailbox today receiving a packet stating they could not review any of the modification options because we did not send in all of the documents they requested. What I found out is, if the documents are not sent in full each time they request a certain document ( s ), our documents are not saved in their system in a file assigned to us, and they are losing sensitive data with all of our personal information disclosed. I am out of options and tired of repeating my efforts for the fifth or sixth time I need someone to intervene!!! My name is XXXX XXXX our home address is XXXX XXXX XXXX XXXX, CA. XXXX. My mobile number is : XXXX I am caring for my dad who is a victim of elder abuse and going to work right now is not an option. Our household income is limited and I need help desperately. My husband is working XXXX jobs at time 7 days a week to sustain our home and we have a graduate XXXX. I am overwhelmed, heartbroken, and spent. The Company is Specialize Loan Servicing XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX XXXX # is XXXX XXXX XXXX Please help

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 01/30/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried for seven yrs to get a lower interest rate from Wells Fargo the last time I was helped or screwed was last year I ask for a loan Modification and boy I got one the lady at Wells Fargo told me to take it or move out.She went up on my interest rate and went up on my yrs she added ten yrs to my loan instead a lower interest rate to help me. I was in the area were the states were hit hardest. I was underwater but she had no HEART for anything but Wells Fargo the Government gave them money to help people but they did not I have never seen such XXXX crooks in my life I begged for a lower rate but no we can not help you. I did not qualify for any government programs. But I live in the US and pay taxes in US. It is a shame that they get bailed out and I can not get a lower rate. And XXXX is just as bad they say we can help you we will talk to Wells Fargo but they just let them treat people anyway they want to. The government owns the loan but has no say so about the way Well Fargo treat it customers.They make millions and can not help the people that is hurting.I have really tried for a lower interest for the several yrs and I know they can help me but they want they had rather me move and sell my home and loose money because it is the US government losing the money not Well Fargo. Thank 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 06/16/2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Other

Complaint: I opened a secured credit card through Wells Fargo in XXXX of 2013 in the amount of {$500.00} At the time when I opened the account I was told after 12 months I would be graduated and the account would no longer be secured. As long as I used the card and paid on time. I have done both and it has almost been 2 years now and they refuse to unsecure the card and refuse to tell me why they wont. I XXXX paid too early and it resulted in a late fee but after speaking with them they saw the payment I made and reversed the charge. I really think this issue is holding my account from being upgraded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Federal student loan) with Action Financial Services, LLC (AR).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Dept of Treasury have not contact me about my student loans, It was in collections I did not received and documents, I have called so many different numbers and no one can not tell me anything, I have gotten approved for financial aid and they took my whole tax refund but can not explain why

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 07-01-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was already resolved through CFPB and there is a case number associated with completion. The original holder was XXXX and I believe it was sold to another agency, however if I continue to be harassed by bogus accusations, will attempt to file a tort claim.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: i just ran a credit report and one of the address on it its wrong never been there so iam very concern about identity theft .The report from equifax and the wrong address is XXXX XXXX XXXX XXXX fl XXXX and also they are a few different names on it

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: XXXX returned three times since they were n't sufficient funds yet continue to kept charging me over draft fees when they were n't even being covered. I went to a branch near me and made a huge payment to try to settle and close my acct but they had charge me over {$400.00} in overdraft fees. And now I 'm asking Wells Fargo to remove some of the overdrafts because they did n't cover the bills that were being posted.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Several people have access to my credit report and are using the information to ruin my credit

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My Chase mortgage and my Chase Equity line of credit payments are not being reported on my credit report. this is after I finished my chapter XXXX bankruptcy. My Chase Mortgage and line of credit was not in my chapter XXXX. They are not showing any payment history well over six years. I came out of bankruptcy XX/XX/XXXX When I contacted them about this they would not talk to me. All I wanted to know, was when would my payments and balance be reported right on my credit report after my chapter XXXX bankruptcy. These accounts was not in my bankruptcy, Do they have the right not to report XX/XX/XXXX payments if I'am paying on time and I'am out of bankruptcy, or do I have to wait seven years or more.

Company response to consumer: Closed with explanation