milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Credit report shows zero balance for XXXX Service Center in New Jersey. In reality, we owe well over {$400000.00}. The credit report also shows that we have not made any payments, in reality we have paid our mortgage in full every month. This erroneous information is preventing us from refinancing our current mortgage. We are told by XXXX that there is no one to speak to regarding this problem, all correspondence must be done through fax. We did file for Chapter XXXX in XXXX of 2010. 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 02/16/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I sent my mortgage payment in in XXXX 2017 bsi has not cash -ed the check and the mortgage is late.i would like to know why the check has not been cashed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Struggling to pay mortgage

Complaint: Chase is not allowing us to explore all loss mitigation options. 

They offered a shortsale and now are not giving enough time to do one. 

XX/XX/XXXX Chase We Received letter confirming ; receipt of request & valuation report. as part of request for mortgage assistance.
XX/XX/XXXX XX/XX/XXXX Our follow up call to Chase! It 's too late, sale date of XX/XX/XXXX XX/XX/XXXX Letter received confirming my request XX/XX/XXXX. and their commitment to research update and resolve request by XX/XX/XXXX But Foreclosure notice for the XX/XX/XXXX Yet XX/XX/XXXX Letter received XX/XX/XXXX Postponed sale until XX/XX/XXXX No response from Chase therefore Not enough time

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Last week the XXXX show me my credit report and credit score that is lowthe main reason is they cant confirm my identitybut when i log in the experian website to get my credit reportit shows they were unable to honor my requestso if i cant get my credit report how can the XXXX get my credit reportand i want to know how to get my credit report thanks for helping

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Using a debit or ATM card

Complaint: Capital One 360 closed an ATM dispute not in my favor, and insists on charging me XXXX dollars that I did not actually receive from the ATM. When Capital One responded to my dispute, they failed to provide me with documentation, instead only sending a message saying the owner of the ATM had provided what they allege to be sufficient documentation. 

What is this, use ATM at your own risk, and risk being charged for money you do not receive? 

On XX/XX/XXXX I used an ATM, attempting to pull XXXX dollars ; however, only received XXXX dollars. I immediately that day called Capital One, who issued a provisional credit on XX/XX/XXXX, but then took it back on XX/XX/XXXX. 

I spoke today XX/XX/XXXX with XXXX, supervisor Id XXXX regarding this issue. She refused to reopen the dispute, refused to let me appeal the decision, and refused to let me speak to anyone higher up.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: I tried to open a checking account at Huntington Bank in XXXX, Ohio. I was given a adverse action letter that stated I was unable to open an account. When I asked the bank representative why? He could not give me an answer. He told me to refer to my credit report. When I looked at all three of my credit reports I did not see any derogatory information ( no liens, no judgments, etc. ) I contacted XXXX to see if there was any outstanding balances owed or if any derogatory information existed and I was told there was n't. Given this information, I went back to Huntington to inquire further and I was told from the bank representative to contact XXXX XXXX as this is the third party they use when deciding if an account can be opened. When I contacted XXXX XXXX to see what was on the report that would hinder me from opening an account the representative, XXXX, stated she did n't see anything that would spark any red flags and was willing to contact the bank on my behalf. She sent the full report to me and I emailed it to the District Manager to see if an override could be set in place based on the lack of evidence as to why I was unable to open an account. She still declined the override after I provided her a copy of my credit report, the chexsystems report, contacted her with the representative from XXXX XXXX on the phone, and the emailed report from XXXX XXXX which ALL did not show a reason as to why I would 've been declined. I also provided the district manager with my existing account number at Huntington as I already have an account there and was simply attempting to open a separate account for convenience. To date, I have not been given an answer as to why the account was denied. No one can tell me why the system automatically declined my request nor was the district manager willing to research the issue. As a consumer, I have a right to know why I am being denied access to a checking account. I have done my due diligence to figure out why the account was being declined, but everything I researched showed there should be no problem. Reaching out to the CFPB was my last attempt in trying to figure out why this problem exist.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am writing to file a complaint against Portfolio Recovery Associates XXXX XXXX XXXX, XXXX, VA XXXX in regards to a collection account listed on my current credit report and thus has been for the last 2-3 years. PRA, llc obtained this debt somehow unknown at the time from XXXX XXXX who is listed as the original creditor on the account. Upon noticing the collection back in XX/XX/XXXX, I contacted the company and the credit bureau to dispute the debt. Over the last 2.5 years, I have disputed this account maybe 5 times and each time the bureaus XXXX and XXXX stated it was verified. The account will show closed, then reappear on my report months later as a new collection account dropping my score each time. I requested validation of debt from portfolio recovery last year XX/XX/XXXXand was provided a few credit statements from when the account was open which in fact was approximately 3 months according to XXXX XXXX. I tried working backwards and contacted XXXX XXXX in XX/XX/XXXX, provided documentation requested and had the account deleted for Identity theft yet PRA, llc refuses to follow suit of the original creditor and delete for identity theft. The FCRA requires the debt be validated within 30 days and if they can not validate ( not verify ) debt, by LAW it must be removed.I recently disputed the debt again XX/XX/XXXX via XXXX and XXXX and once again it came back verified so today XX/XX/XXXXI called XXXX and spoke to XXXX XXXX and requested the documentation used to verify this account over and over be sent to me as required by law. XXXX, who in fact admitted on recorded line, stated that they have '' no documentation that is used to verify the account is mine, we go by what the creditor states '' I informed XXXX that XXXX was in fact in violation of the Fair Credit Reporting Act which states " disputed items can NOT appear on my credit report if they can not be supported by any evidence. '' A creditor simply stating the debt is in fact mine is not supporting evidence that will hold up in the court of law. My attempts to validate the debt from the 2nd creditor have been insufficient, and my attempt to verify from the bureaus have been insufficient and thus this debt is being inaccurately reporting to my credit report for years now illegally and I wish to have it moved ASAP! Upon contacting the original creditor, the debt was deleted a few years ago for Identity theft and by Law. Because a collection account is treated as a continuation of the original debt, it will be deleted at the same time as the original account ~per XXXX ; Original account was deleted in XX/XX/XXXX and I am seeking this continuation account be deleted as well

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit card () with NAVY FEDERAL CREDIT UNION (PA).
Issue: Delinquent account

Complaint: NFCU credit card put my account in collections after 84 days past due. 
I was having on going conversations with XXXX XXXX in the NFCU collections department that I wanted to make payments but that I was unemployed. On Day XXXX of being past due, I called XXXX XXXX to make a payment and I was informed that my account had been given to the law firm of XXXX XXXX. I asked why would you give my account away and she replied that " You did n't seem like you were was going to pay. '' Since NFCU tapes all conversations I informed XXXX XXXX, XXXX XXXX XXXX, to not destroy those tapes. 
I called the law office with the number provided by XXXX XXXX and was informed that accounts are never given over to collections before 90 days. 
I immediately made the payment to the law firm, a XXXX XXXX. In the process of making the payment I found out that NFCU did n't even give the law office my correct address, NFCU gave an address to the law office that I have n't lived at in over 15 years. NFCU sends me billing statements, collection letters and advertisement to the correct address every other week. If I had not called NFCU to make a payment I do n't know where this would have ended up, having not received any notice. Was that a deliberate action take by NFCU or the law firm. 
Please respond as to my rights. This does not seem like this was correctly handled. And, also now my credit rating will go even lower when it was not necessary. 
I have attached a letter from NFCU from the year 2005 that shows the account number and my correct address. It proves they had my address for 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Equifax not only did not notify me in any way of this security breach, but the information was n't even released to the public for several months after the breach. I became aware of this incident through social media ; a letter or email was never sent, or a phone call. Once I became aware of the security breach, I was left to research and handle the issue myself.
Equifax is currently offering a limited credit monitoring service, which is unlikely to actually resolve any of the potential issues, as my information can still be used to open new accounts and I would be left with handling those potential issues. In addition, agreeing to their credit monitoring service comes with the stipulation that my rights in this situation would be completely waived, I would not be allowed to sue Equifax for this incident.
Furthermore, I had to spend my own money to freeze my credit in response to this recent breach of security, and Equifax has done nothing to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (I do not know) with ASTA FUNDING INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had a law suit filed against me back in XX/XX/2007. I never received any papers on it. I did not know there was a judgement. This year they sent me a letter stating that they wanted to reopen it. Went to court which did no good. They said that they agreed with the company and ordered me to pay the amount I owe plus interest. It is very involved and would like to talk to someone about this. they have refused to give me a copy of the original loan. I am very upset, now they want to garnishee my wages. I do not owe any XXXX and need this to get cleared up as soon as possible. Please help I am at my wits end and seems like no one wants to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Regarding closed complaint XXXX I contact you to your company in hopes that you could assist me with avoiding foreclosure and getting Fay servicing to actually contact me to make payment arrangements that were affordable. 
The response that I was sent stated that we did not pay our monthly payment for XXXX 2016 however we did on XXXX XXXX 2016 I have enclosed a bank statement that reflects the payment amount. The payment made to Fay servicing on XX/XX/XXXX is on page 5 of the statement I have attached. 
Fay servicing response also stated that the financial packet that was sent to them was incomplete. 
I did send the completed a packet for financial assistance to them two times the second time I sent the packet and call them no one has responded and I was not aware of a foreclosure sale date at this time. 
Can you please forward the bank statement information that shows that the actual payment was made for XXXX 2016 thank you for your time and consideration regarding this matter. 
-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have received an email from this company threatening to put a hold on my social security number, file a complaint with the IRS, and the Attorney General 's office and notify my employer, and press charges against me. After the first email I responded that there was no name on the notice being sent and I wanted proof mailed to me. They do not send anything by mail according to them. I can forward the emails from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: XXXX We were over 60 days in the loan process with you and fully complied with your every request in an expeditious manner. 
We have proven our income, are secure in our employment, and have money in the bank, our credit scores are over XXXX, we have no credit card debt, our residence appraises more than sufficiently, there has been no change in property size, zoning, type or usage since our previous successful re-fi with B of A which, in fact, qualified for and is currently owned by XXXX. You have already changed our insurance coverage naming B of A as additional insured for the new loan. For you to now tell us that our application for refinance has been declined because of " property type '' which was made known to you and which you marginalized in our initial and subsequent telephone conversations, just does not pass the smell test. I have been counseled to request a comprehensive explanation for their declination from your responsible underwriting staff. What has changed since our previous refinance with B of A? 
There is speculation that B of A is hoarding cash because of the election or that there may be age discrimination. Please provide this along with your official declination statement in writing and in a timely manner. 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 06-05-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I purchased my home in  XX/XX/XXXX . Currently I am out of work and struggling to make my mortgage payments. My last day worked was  XX/XX/XXXX . In  XX/XX/XXXX , I contacted the Illinois  Hardest Hit Fund  program and applied for mortgage assistance. Meanwhile my lender Ditech Financial LLC contacted me by mailing forms for Loss Mitigation which I did not complete or sign.  Ditech  's customer service is very poor and every time I called Ditech 's customer service to find out if there was any communication from Illinois  Hardest Hit Fund, n o one could provide an answer. Finally I received an email from my Illinois  Hardest Hit agent   XXXX   XXXX  in the  XXXX  office that Ditech rejected the payments from Illin ois Hardest Hit p rogram stating that I was in an active loss mitigation.   Therefore the Illinoi s Housing Development Authority d enied my application. I currently have been writing letters and faxing  Ditech i nstructing them to accept the payments from Illinois  Hardest Hit fun d and stating that I have not agreed or will agree to loss mitigation with Ditech .  The dates that I have sent letters and faxes are  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . I have asked for an appeal as is my right with Illinois  Hardest Hit Fund a nd gave them copies of letters sent to Ditech. Ditech is not responding and I believe that Ditech would rather foreclose than accept the state funds from the Illinois program.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has not provided verification of this debt. I previously reported this account through Consumer Financial Protection Bureau and they remove the account from my credit report. 

This month they re-reported the same account. I also have a collection bill from another company XXXX XXXX XXXX trying to collect the same debt. 

They are falsely trying to collect this debt and re-selling it. I do not owe this amount

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 04/19/2017 about Debt collection (I do not know) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am making a dispute ag ainst Optimum Outcome , Inc in a r esponse to a listingS on all my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request fo r VALIDATION ma de pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my cr edit reports (  XXXX ,  XXXX , and  XXXX  ). This action constitute fraud under both Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I graduated from college in 2013 and have been paying back my loans since then. I started out at around {$42000.00} for this loan and it has only gone down a couple thousand. I tried consolidating the loan, but it was broken up into XXXX different bills and I would get a separate bill in the mail for each. We had bills not arrive on time and when our payments were sent in it would n't read as paid and my dad and myself got docked hard on our credit. It 's now 3 years later and although the payments are easier to manage, it is still not going down due to the interest rates. Each of the XXXX loans have their own interest rate instead of having XXXX loan and XXXX rate. My federal student loan is down and I have only XXXX more till it 's paid off. I am still at around {$40000.00} for Navient, and I pay over {$600.00} a month. My husband is military and travels a lot and I have a physical illness and ca n't work long enough hours to keep up these payments. It would be one thing if I saw my balance due getting lower, but it seems as if it does n't move. I do n't know what more to do.

Company response to consumer: Closed with explanation