milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX has me living at an address XXXX XXXX XXXX XXXX, Ga. XXXX XXXX XXXX XXXX i have never lived there and they are messing up my credit because who ever lived there they seem to have my name down. I can prove i have never lived there yet they wont fix this issue. Please inform me as to what i need to do to fix this matter. All i have are my tax return stating my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the same year they state i lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (ME).
Issue: Shopping for a loan or lease

Complaint: im writing in regards to XXXX ameracredit sent to irs i have n't heard anything from this company for fifteen years now irs is making pay taxes on this im XXXX and need my tax return

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Struggling to pay mortgage

Complaint: The following are a list of errors being asserted and requests for additional information covered by Regulation X, 12 C.F.R. : 1. Failure to provide an accurate payoff statement in violation of 1026.36 ( c ) ( 3 ). I received a Notice of Reposting and Sale notice from XXXX XXXX XXXX XXXX XXXX, XXXX. ( Exhibit A ) to foreclose on my house on XX/XX/XXXX. I have requested an accurate payoff amount which they have not provided. A Debt Collector in the state of Texas must validate the debt and 5 days prior to a foreclosure they are not able to provide anything. 

2. To date Select Portfolio Servicing ( SPS ) has not provided the historical records from the two previous loan servicers, XXXX and XXXX XXXX XXXX, to support alleged interest owed by me. Again, a current payoff statement has not been provided and a foreclosure is scheduled for XX/XX/XXXX. 

3. The principal amount owed on my note increased by {$7600.00} according to records provided by SPS to the CFPB in previous complaints ( Exhibit B ). SPS has not provided an explanation nor any documentation as to why the principal balance of the note increased by {$7600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In XXXX both myself and my wife settled a collection account with XXXX XXXX # XXXX, accounts # s XXXX & XXXX. When we initially contact this company, we advised them that we are in the process of purchasing a new home and we need these two accounts removed from our credit reports. The representative reiterated that we were on a recording line before we proceeded. We were advised that we could settle both accounts out for less than owed and that they would remove the accounts from our credit reports. We gave them 45 days to update our reports. As of today, XXXX/XXXX/XXXX the accounts had not been removed. We called the company back today and were advised that they were not going to be removed and that it was due to us paying a settlement amount and not paying them in full. That if we wanted to have them deleted, we would need to pay the difference of the balances ( this is way after the fact of the accounts being paid ). We asked to hear the recorded conversation from our initial call and they stated that they would send a message to their supervisor to review it and would contact us back. We would have paid the full amount in the first place had they stated it was not required to have the account removed from our reports. This is unacceptable and from what i can tell, illegal from a collections stand point.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
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: My complaint is against the credit agencies, Equifax and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, XXXX XXXX XXXX failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to XXXX XXXX XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I'm obligated to pay them anything. 1. Identity of the original creditor. 2. A complete payment history. 3. Documentation that any collection fees were added pursuant to the original lending agreement. 4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 6. A verification or copy of any judgment, if applicable. 7. Proof that the Statute of Limitations has not expired on this account. 8. Proof that you are licensed to collect in my state. They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b. I have checked with that Arkansas State Board of Collection Agencies and XXXX XXXX XXXX is not licensed to collect debt in Arkansas.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Falls Collection Service Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed and asked for validation of XXXX accounts from XXXX. they have not sent the required documentation to me per the fdcpa. i do not owe this company money, nor did i sign a contract with them. as a result of me asking for the validation, THEY CHANGED THE NAME TO ANOTHER COLLECTON AGENCY AND RESUBMITTED TO THE CREDIT BUREAUS. I checked the addresses of the XXXX companies on multiple credit reports and they were the same ... FINCNTRL SVC XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX and XXXX XXXX XXXX XXXX XXXXWI XXXX XXXX. THIS IS DECPETIVE AND UNACCEPTABLE. I WILL BE REPORTING THIS TO ALL GOVERNMENT AGENCIES AS IT IS ILLEGAL

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Capital one debt was included in my bankruptcy. I owned no property at that time 4 years later I own a house and they have attached a judgement lien on my property

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called all  XXXX  credit bureaus about hard inquires made on my account without my authorization. I have also tried to go directly through the dealerships who did this no help. There are numerous inquires on my credit that I did n't authorize. I specifically told dealerships no more than  XXXX  and then I look and see multiple. Some of them are multiples inquires from the same place and should be removed.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX XXXX XXXX on XXXX XXXX, XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from Bank of America that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my Georgia address, the only address I 've ever lived.

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 09/13/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a threatening call from them indicating I owe them money and if I do n't pay they will have me go to jail. I have asked this company for UPSP stamped letter in the mail to support their claim that I owe them money three times. Twice on the phone and once on email yet I have not been able to get any documentation. I have provided them my correct home address. I would like to report wrong unlawful practices of this company and their collection issues.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Consumer Loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ).
Issue: Account terms and changes

Complaint: Springleaf Financial Services placed several inquiries on my credit report as a result of someone submitting an application, using my personal information, without my consent. The dates of these inquiries are : XXXX XXXX, 2015 XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Struggling to pay mortgage

Complaint: I have been working with my mortgage company on a request to modify the mortgage. I 've submitted financials and the request several times I 've spoken with 3 servicers trying to save my home. My mother XXXX a year and a half ago from XXXX and I 'm her son that is living in the property. I recently received a property foreclosure notice from XXXX XXXX XXXX stating my property is going to be sold in a property foreclosure sale XXXX XXXX,2017. Please, Please, Help. The letter I received to validate the debt did not show my servicers were three deferent servicers I have not received the foreclosure notice from the servicers as stated on the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Just read about deceptive experian/XXXX {$1.00} marketing and then charging $ $ for unwanted services. I 'm a senior citizen who they took advantage of by charging me hundred+ $ $ per month on my credit card for over a year before I realized what they were doing. I complained by phone but they were obnoxious and would not return my $ . It was XXXX of these XXXX companies but I can sure use your help getting my $ $ back. I 'm retired And told them at the time over the phone they were thieves to force a service I never enrolled for and had no use for. 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 01/20/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear XXXX, I am seeking help to resolve home loan matter since XXXX. I filed for bankruptcy back in XXXX and was not aware that you all would not reaffirm my home loan at XXXX XXXX XXXX XXXX GA XXXX. LOAN # XXXX after chapter XXXX bankruptcy. XXXX of XXXX the house was destroyed by fired due to lightening, I have reached out to the Recovery department trying to resolve this matter as well. I have even gone as far as hiring attorney XXXX XXXX The XXXX Law Firm, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX here in XXXX Ga. to help and we XXXX continue to receive system generate letters repeated even after several request to settle this outstanding balance. I need help to this resolution. We received notification that we would have an answer by XXXX XXXX. Just today I received another letter stating XXXX XXXX. The next week we will receive another letter until we make another written request and phone call to resolve this matter. 
Can you please assist with me closing this account out in full please and restore my account with FHA lending as well. I have the check and ready to move forward with this immediately. We do n't know what to do the insurance company XXXX XXXX Insurance wants to resolve as well as we do. We have the check to resolve this matter. But being refused helped. 
Anything you could do is greatly appreciated. 
Sincerely XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XXXX2017 I sent {$140.00} from my Chase account to my son 's account, also Chase using XXXX XXXX. After learning from my son that the transfer never took place, I went to one of their branches located at XXXX XXXX and XXXX XXXX   and spoke to a representative, XXXX XXXX. He listened to the problem but said he could not do anything since the money was accepted not by my son but somebody else. We called customer service and filed a claim # XXXX. XXXX XXXX   reviewed the record and found that my son 's phone number on file was not up to date and the person who had the number now had accepted the money. The person 's Bank was identified as XXXX XXXX XXXX ( XXXX ). He advised to call the person and try to have the money returned and I did. The girl who answered expressed that she had accepted it but after speaking to her mother and reviewing her account the money was no longer there. Not sure if the claim filed placed this money on a special account hold. It's been almost three months and nothing has been done by the bank to remedy this situation. I believe XXXX XXXX  needs to contemplate potential errors with customers and have solutions in place understanding these are electronic transactions from bank to bank and can be fixed internally once a complaint has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm writing this letter in regards to a formal complaint I wish to file against Nationstar Mortgage LLC. 

First, I would like to shed some background on the many problems I 've encountered due to this company 's incompetence. Our mortgage was sold by XXXX to Nationstar Mortgage on XX/XX/2016. This said mortgage is on our income property located at XXXX and XXXX. XXXX, NY. XXXX. Our first issue was the address listed on the new mortgage was wrong. A phone call corrected that, however this was the start of one headache after another.. 
Next I send my first mortgage payment by mail, along with the information ( a blank check ) to set up automatic withdrawl on the tenth of each month. Late notices aprox. 45 days later started coming. I called they said they did n't have the right information for direct withdrawl. We sent that information 2 more times, for a total of 3 times now. I am receiving late a fewb notices in the mail, which promted me to call numerous times to hear that they just crossed in the mail. That sounds legit, I guess. Next my tenants call me to tell me I have mail. It was a final notice that they were about to start forclosure proceedings. So I make another phone call to find that they never took the last two payments out of my account ... .So I made a double payment over the phone and finally the payment withdrawls are set up ... I should say I hope these payments are now set up ... 
Recently, I received a phone call from my Homeowner 's insurance agents office, stating that my homeowner 's insurance policy is about to be cancelled due to none payment.. I immediately made a monthly payment to insure my policy did n't expire.. I have an escrow account with the mortgage company and they were suppose to pay it ... My agent made a 3 way call including my self, the mortgage company and the insurance agent to figure out what went wrong ... The mortgage company then sent out a check to the insurance company for the wrong amount. More time on the phone the mortgage company sent a second check this time with the right amount. The insurance agent refunded me the wrong amount which I had to return to the mortgage company to be put back in escrow. 
Now I get a monthly statement from Nationstar Mortgage, with a {$75.00} Maintenance fee. Once again call the mortgage company to find out what this charge is. I spoke to a customer service rep she did not know what that fee was, I spoke to her supervisor, he could not tell me what that fee was but I should pay it. 
HERE ARE THE QUESTIONS I WOULD LIKE TO FIND ANSWERS TOO. 
1. ) I want to know if Nationstar has reported me to the credit bureua as a result of their neglegence? 
2. ) What is the maintenance fee of {$75.00} on my monthly bill?

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Company does not have authority and contract is void.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, we are filing a dispute regarding the modification offer that was extended on XX/XX/2017. We completed an RMA package and outlined all of our expenses and income. Our gross income is {$6900.00} and our expenses are {$5900.00}. Thus places our debt to income ratio ( DTI ), is currently at XXXX % on the back end and XXXX % on the front end. 
These payments being offered are extreme and place or debt to income ratio at a severe deficit. It appears that there was no type of underwriter guidelines being followed to determine our affordability. We feel that this modification offer is predatory by nature, due to the fact that these payments are placing our debt to income ratio on the back end at XXXX %. 
None of the Shellpoint underwriting math makes any sense and it is not an acceptable payment. 
It appears also that based on the mortgage calculations and mock amortization schedule, the modification is based on {$28000.00} being paid back within a XXXX year term, which is completely unaffordable. The definition of A loan modification is a permanent restructuring of the mortgage where one or more of the terms of a borrower 's loan are changed to provide a more affordable payment. With a loan modification, the lender may agree to do one of more of the following to reduce your monthly payment : reduce the interest rate. This has clearly NOT been achieved in this case. 

Our family feels that this type of treatment is an outrage and a great way to force our family into a XXXX bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are numerous inquires that were not done by me. I submitted the documentation as asked by the credit bureau and they refuse to delete them

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 10/15/2015 about Debt collection (I do not know) with LMS Services, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Debt collection firm at phone number XXXX calls to say they have legal documents to be served and that I can avoid legal action if I was to resolve the debt.

Company response to consumer: Untimely response
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There is an account from  XXXX   XXXX   XXXX  appearing on my credit report and it should not be there. This was previously disputed and removed and it has now reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Auto debt) with Byrider Franchising, LLC (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX/XXXX/16 they were instructed not to call me at work. They call when it 's not even late

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