milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This agency is attempting to collect a debt from me for a debt I do not owe, but more troubling is the fact that this agency in not licensed by the Arkansas State Board of Collections to conduct the business of a collection agency within the state of Arkansas. 

This agency is communicating with me, while not being licensed, via my credit reports. 

XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) ( " Reporting to credit bureaus is a communication within the FDCPA ) ) ; XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) ( " rejecting the argument that reporting to the credit bureau was not a communication to the consumer and was not debt collection activity '' ) ) ; and, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) ( " The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is one of the most commonly-used arrows in the debt collector 's quiver '' ) ). 

This agency is violating the FDCPA which are per se violations of the Arkansas Fair Debt Collection Practices Act, The Arkansas Collection Agency Act, and the Arkansas Deceptive Trade Practices Act. 

This agency also did not send me my right to dispute this debt, prior to entering this debt on my credit reports, which I do not owe. 

I can only assume that because they are not licensed to collect in my state, they incorrectly thought they could violate my rights by only reporting to my credit. 

This agency has violated numerous provisions of the FDCPA and Arkansas State Law, and should be brought to justice by your agency. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BROKER SOLUTIONS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: NEW AMERICAN FUNDING via XXXX XXXX The above is listed multiple times ( 3 times to be exact ) on my credit report. I only granted permission ONCE for them to run my credit. The date I did give permission was XX/XX/2017. All other dates are fraudulent on their part. 
The company stopped responding to my requests I would like the inquiries removed from all three bureaus as I didn't request this. I would also like my score updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My original mortgage owner filed for bankruptcy. Later, Chase said I was to pay them because they were the new owner of the debt. I went to the courthouse and ownership was not assigned to Chase. My name and the original mortgage company was on the deed. I contacted Chase about it and the sent me a letter acknowledging that they did not have Power of Attorney of my house yet they are trying to foreclose on it. I filed the paper work from the stating that at XXXX XXXX courthouse. In the meantime, I was denied at least 4 times for a modification. Now, chase has continually filed for foreclosure on my house. They want me to modify my loan with them, but I filed for bankruptcy and Chase purposefully did not reaffirm my debt then tried to foreclose because they did not reaffirm the debt. I went back to the courthouse and now Chase place an assignment on the deed, after they filed for foreclosure. In GA, assignments must be made before filing for foreclosure. I retained an attorney. He found know robo signed names on all of the assignment paperwork. My attorney no longer practices law but I do have all of my files. I do not have the money to hire another attorney, but Chase does not have nor have they ever had any legal rights to the house and are trying to force me out illegally. Also, most of this started with I applied for a mortification a few years ago. I was under trial payments, after I paid the trial payments on time, I did not receive any additional info from Chase. I called and was told to wait until I receive correspondence concerning the next steps. The next correspondence I received was when they filed for foreclosure. This has been going on for a few years. I need some type of resolution on this matter because Chase does not believe they have done anything wrong and I have already exhausted thousands of dollars trying to fight them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX, President, CEO and Chairman BANK OF AMERICA AND XXXX XXXX XXXX XXXXFORECLOSED AND SOLD MY HOME WITH FABRICATED DEEDS. I AM REQUESTING INFORMATION ON THIS ILLEGAL SALE. 
Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
XXXX - REQUEST DOCUMENTS FOR VERIFICATION OF SALE WITH PURCHASE AMOUNT INCLUDES REGRISTRY OF DEED ON PROPERTY LISTED ABOVE

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
Consumer complaint received 07/24/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: After experiencing a hardship period, we sought legal and financial counseling from bankruptcy attorney and HUD counselor. We filed bankruptcy, aggressively sought to devise and maintain family budget with every household member contributing to household expenses. This over a few months started to take some positive shape. We have been working with a HUD counselor to apply for a mortgage loan modification. XX/XX/XXXX we submitted out initial application packet with required documents via our HUD Counselor via HOPE Portal. This certainly gave us XXXX that our family would not lose the roof over our heads thru foreclosure. We understood that the application process would be much more streamlined end-to-end via our HUD Counselor who would directly upload all documents and communicated via HOPE portal with Bank of America ( BOA - my mortgage company ), What we have found is that we ( myself and HUD counselor ) have met all deadlines yet BOA keeps creating delays. I was strongly advised to file this complaint because BOA continues to sit on the documents uploaded in the HOPE Portal and allows them to expire month after month! Moreover, they have changed contact person handling my application XXXX times since the process was started in XXXX 2015. Each time a new Customer relationship manager ( CRM ) is introduced, they take weeks to familiarize themselves with my file and missing weekly update calls that they schedule with me thus allowing documents to expire again! Recently my newest assigned BOA contact surprisingly asked me to review, notarize and return within XXXX days some documents for our County Deed Recorder which was missed during my XX/XX/XXXX modification. This has nothing to do with the open XX/XX/XXXX modification application actively under review from what I understand OR does it? Bank of America offered me a {$500.00} incentive to compensate me for my time and effort in getting these XX/XX/XXXX modification documents completed, notarized and back to them asap!?! I do n't understand exactly know what to do with this unexpected element now in the mix - at the tail end of a new modification application! Firstly, I 'm not a legal person and want to make sure I am not doing something that will put me further in the hole financially!!! 
We were told a decision on the modification application would have been made weeks ago, yet they have managed to continue to delay a decision on our current modification application. We continue to sit on pins and needles wondering why?!?! XXXX will be here before we know it and still no answer .... Please help! Just HOPE we get a fair option or decision to make our life work for our family. Sincerely

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI).
Issue: Fraud or scam

Complaint: I was contacted by someone on  XXXX   XXXX  saying they were an account manager at  XXXX     XXXX    and that i can receive an cash refund which is entitled to me and is legal and legit, so that being said i shall receive the amount of {$6000.00} if i pay {$300.00} in the form of cash and send this amount to an agent and that i will receive the full amount by this person with an reference number in money gram form, i then sent {$300.00} in cash for pickup by said agent to send it to, i knew i was scammed when the transaction was not returned on my end and did not receive said money as promised and tried to call the number given back, a man called me saying that my money is on hold at my financial institute and that i will have to pay another added {$150.00} for a deposit to receive my cash refund and i received several other calls from this person the next 2 days asking for more money and he told me this is legit and legal and that i was assure i will get my money on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I became unemployed in XXXX, no fault of my own, and fell behind on my mortgage payments by 4 months. I was trying to work with Greentree ( Ditech ) to help me in anyway so I could get caught up. They offered me a trial payment period via telephone ... I never received an official letter of this conversation yet I sent my payment of {$500.00} in XXXX, XXXX, and XXXX XXXX. I could not reach my account representative so I made another payment for XXXX to be on the safe side. Finally a customer service rep said I think your next step in modification so I 'm sending you the application to complete. I sent all information back in but was denied modification. I 'm unsure why I was denied. I was only making {$9.00} an hour and my mortgage was more than XXXX % of my income. I have attempted modification 3 and 4 more times since and now I 'm told my mortgage is " not '' more than XXXX % of my income. In attempts to do whatever I can to save my home, I contacted XXXX to help me work with my lender. We completed a 3-way conversation XXXX XXXX. They basically stated there are no other programs I qualify for. I asked the question, " why did I go through a trail period of payments to just end up being denied time after time? '' The customer rep tells me that an offer was made to me by mail in XXXX XXXX. This was the first time ever hearing that an offer was made. I never received an offer. 
I then proceeded to contact XXXX XXXX, the investor for my loan. I filed a complaint against Greentree with a lady named XXXX. She has since contacted Greentree ( Ditech ) and advised them that an investigation be completed in this matter. I contacted Ditech first week in XXXX XXXX to follow up, customer service stated that all is noted but that 's all the notes she has. Meanwhile the foreclosure proceedings have accelerated and a sheriff sale is scheduled for XXXX XXXX XXXX. 
To add to the misery I have been put through during modification ( s ) include but not limited too.. ( 1 ) .fax numbers reading " no answer '' or " busy '' for days on end. Eventually calling to get a second and sometimes a XXXX working fax number. ( 2 ) My account representation changed sometimes every 30 days ... resulting in voice messages and documents never making it to anyone. ( 3 ) account reps being rude and laughing and snickering over the phone. I had many problems with one rep named XXXX. ( 4 ) modifications being canceled for unknown reasons and having to start over. 
I would also like to add ... the day before my court hearing, the mediation, with Greentree. I received by XXXX, a letter from XXXX XXXX XXXX stating that my XXXX % XXXX mortgage loan has been forgiven. ( {$12000.00} ). Now I know for a fact I can afford my XXXX mortgage payment, yet I keep getting denied. This also causing my mortgage to now be below the XXXX % of my gross monthly income.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying ahead on my student loan, but Navient has not put the over-payments directly toward my balance immediately. Instead, it advanced the due date costing me a great deal of money in accruing interest. I pay by electronic bank. NAvient offers to not advance the due date but only on checks and direct payments through their website. I go through my bank 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent sign receipt requested to a collection agency, AND to Transunion with valid proof that the collection agency has XXXX proof of the negative case on my credit report, Transunion will not take it off. I sent them Certified mail the information with proof and they will not take it off, and will not let me contact them. XXXX and XXXX complied. I want justice against them! All XXXX has is a FAKE Bill ... XXXX? They are XXXX fully out of compliance with all the legal entities, I was NEVER contacted for a response to my demand letter from XXXX, they just sent the fake XXXX bill to transunion, not me ... That 's how I found out whom they sent it to ... ILLEGAL IN ITSELF! They were FORCED to meet my demand letter and never complied, now they have broken the laws. I have PROOF XXXX XXXX of XXXX XXXX singed and receievd my demand letter. I have not had a response as of today 5 weeks too late, please get on this ... respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (ND).
Issue: Unauthorized transactions/trans. issues

Complaint: I have been a loyal customer to Rushcard, since 2013. I received an email that they would be upgrading there system. When this happened many customers were affected not receiving their direct deposit, accessing the online page or money missing out of their account. I have had a total of {$150.00} missing from my account. There were bills that I paid that have not came out yet in the amount of {$15.00} and {$60.00}, that got returned and now im stuck with {$60.00} in late fees. 

We have been lied to by several messages posted on XXXX saying our money is safe and if we have questions to call them or send a private message. Everytime you call, you get hung up on and no private messages are returned. 

I need my money back and they have messed up everything and are not taking anything seriously with their customers in any compensation at all. 

Thank you, XXXX XXXX XXXX email XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2016 about Student loan (Non-federal student loan) with KEYCORP (NM).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My hours were reduced at work last year, so I requested a graduated loan repayment option. My job was recently terminated, so I could not afford the graduated payment amounts. The loan holder insists they can not provide me with any other options to reduce my monthly payments, as private loans do n't qualify for the IBR program ( as do federal loans ) ; and they ca n't purchase student loans, so they ca n't refinance or consolidate the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (Conventional home mortgage) with AMERICAN EAGLE MORTGAGE COMPANY (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We just bought a new house this summer. During that time, the home builder, XXXX XXXX recommended that we go with their preferred lender, XXXX XXXX Mortgage. Within 30 days of closing XXXX XXXX finally gave us a locked in mortgage rate, which was a XXXX percent higher than my regular mortgage lender, but at that time, we were within the 30 days of closing. XXXX XXXX then said we could n't change lenders because it was too late. My issue is the by the time we finally got the higher rate and higher closing costs with XXXX XXXX, XXXX XXXX would not us allow to go with another lender. In the end, my mortgage rate is higher by .25 % and closing costs ( $ XXXX XXXX as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Over the past 10 years of home ownership my wife and I have had a mortgage with at least XXXX different lenders due to our mortgage being sold or refinanced. We have stayed in the same home in that time frame but have continually paid more than the minimum payment required with the goal in mind to pay more principle off our mortgage putting ourselves in a better financial position for future financial goals. Starting in XX/XX/2016, our current mortgage company, applied the overage of the payment we made as a credit to the following month 's payment of interest and escrow instead of applying the overage of the payment to principal for the XX/XX/2016 payment. As a result, our statement showed our payment itemization as 2 principle payments, 2 escrow payments, and 2 interest payments on the single statement in XX/XX/2016. This was very confusing at first because the second interest and escrow payments were not identified separately to show they were payments for the following month. I only discovered that upon calling to inquire about the statement. I realized at that point how important my record of payments was because there was nothing else to prove that I paid extra other than my record. ( the mortgage statement and my banking statement ) I informed the mortgage representative that I always want my overpayment to apply to the principle. The representative informed me that this was not an error on their part but simply a systematic software issue whenever there is a complete double payment on the mortgage. The representative then assured me that the issue was resolved and would not happen again. I was satisfied with the end of the conversation at that point. However, the same issue occurred again in XX/XX/XXXX of last year and 2 additional times after XX/XX/XXXX for a total of 4 times in 13 months. After speaking with at least 9 different representatives of the mortgage company including 2 different supervisors over 13 months, I have concluded that the mortgage company is incapable or unwilling to satisfy my needs as a customer. It seems to me that it should be basic good business practices for a mortgage company to apply all of any current months ' payment to the current month as it is paid in the current month to avoid any conflict. In other words, in my case payment should always apply to that months interest and escrow with all additional payment applying to principle. Applying any payment to any other month should only be done as agreed upon by both parties. My wife and I have never made such an agreement.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In the summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted my TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to my report. This computer glitch was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. All dates are listed below. These inquiries add a hardship and my rights were violated by TransUnion. Please make TransUnion stop victimizing me for their mistake. As a resolution, I request that all TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/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 10-06-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Our 2nd mortgage ( lien ) with Wells Fargo was released ( without request ) and has now driven down our credit scores so now we ca n't get credit. At the end of the term, we were unable to pay the full amount of the loan, but kept making monthly interest payments, which WF would not accept and returned to us.

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