milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XX/XX/XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the CB and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XX/XX/XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. XX/XX/XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the CB investigation and a statement from Santander of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency )

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The attached letter was sent to XXXX in XXXX, 2015. I am still being harassed by this business and when I speak to them, I ask them to send me debt verification and I am yet to receive it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Payday loan debt) with Cottonwood Financial Ltd. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Everyday they call from random numbers, even though we told them to use their corp number and disclose their name. 
I tried to call them on their XXXX and XXXX number today repeatedly and it rings and hangs up. 
We can not set up a repayment plan if they will not be reasonable and work with us. 
It's very unprofessional on their part and the calls come starting at XXXX XXXX. and end around XXXX XXXX. SOmetimes three or 4 calls in a row from random local numbers spoofing their calls. We don't answer unknown callers. Period. NEver have so they need to disclose their business name and they need to answer so we can make reasonable efforts to repay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Risecredit, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted this company in writing 6 times. Twice its been corrected and as is today it has been changed again. This is a direct violation of protections under bankruptcy which has been discharged. Im furious. They keep changing the status to charged off and making sure that the information marks as derogatory. The ONLY acceptable reporting is closed and paid per the law.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My ex-wife and I purchased a house XXXX in XXXX, OH. We divorced in XXXX. At that time I deployed. My ex-wife made several attempt to sell the house which did not happen. We also attempted to short sale the home through Bank of American. Bank of America gave us the run around XXXX consecutive times. The last time they assured us that the process was in review and never contacted us. We still have the house under our name even though the bank currently has the key. I forwarded the bank our divorce decree showing that the court orders us to surrender the property back to the bank. I have not been back to the residence since XXXX. This has affected my credit since this process started. I am currently deployed until the end of XXXX XXXX. I will provide any documentation upon request via email.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Chase XXXX XXXX XXXX card allowed a thief to change my password, address, and request/receive a replacement card to another state overnight. Closed that acct, opened another XXXX and in XXXX days the thief had made a change of address on the new card. Closed account completely. This all took place from XXXX XXXX.Thursday XXXX thru Tuesday XXXX/XXXX/15.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/24/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over XXXX thousands dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In 2011 this company sent multiple letters requesting this be removed from my credit report. It has been 4 years since this company ( XXXX XXXX XXXX XXXX ) sent this request in writting. XXXX, XXXX, and Experian are still reporting this negative account on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: OCWEN LOAN SERVIC  E,   XXXX   XXXX   XXXX  FL.   Paid {$2000.00} from  XXXX  to  XXXX   XXXX  for  Ocwen 3  month payment pla n Agreement   XXXX / XXXX / XXXX  paper signed for payment plan. late  XXXX  another paper was signed to accept  Modify was ap prove by  Ocwen Loan  service. paid by ACH wire on  XXXX .      Ocwen Loan Service .  XXXX   XXXX  letter saying your in default and modify not approve.   increase payment from {$500.00} to higher amount. This has been going on Since  XXXX  to  XXXX  payment plan is not working they are wrongfully taken my funds. I have file many complaints On wh ole two y ears of payments not posted, mail copy sent copy in  XXXX , this still not fix by  Ocwen..Statements  WAS mail  8 time in las t 5 years to fix.     My New home in  XXXX  was bought  1st  home b y  XXXX   XXXX   th is for Year , then transfer t o Homecoming,    GMA  C, Ocwen t ook over  XXXX . No w Ocwen r eported to agency that  Ocwen m y loan since  XXXX   XXXX  Which  is false Agenc y said it was reported by GMAC person ..I wanted  my funds b ack if OCWEN is not modify m y loan.     THIS OCWEN PROBLEM HAS BEEN GOING ON NOW FOR 6 YEARS. OF FALSE INFO B Y OCWEN LOAN SERVICES. NOT APPLYING PAYMENT, CHARGING FOR SENDING SOMEONE TAKE PICTURE OF HO USE FOR  XXXX  TO  XXXX , MISAPPLY PAYMENT FOR YEAR AND HALF. MY ACCOUNT STILL NOT FIX. WITH THE CORRECT AMOUNTS : AFTER SENDING STATEMENT  XXXX  TO  XXXX .      Ocwen  Email :  XXXX   XXXX ,  XXXX  Loan Number :  XXXX  Property Address :  XXXX   XXXX   XXXX    XXXX    XXXX , GA  XXXX  Dear  XXXX   XXXX  :  OCWEN receiv ed a payment on  XXXX / XXXX / XXXX  for the amount of {$500.00}.   Sincerely, OCWEN  XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ( Do not send correspondence or payments to the above address. ) Dear  XXXX , We have noted the account with the information you have provided. The Home Affordable Modification Prog ram ( HAMP ) Strea mline third trial payment was received on  XXXX   XXXX ,  XXXX  and the trial modification plan is now complete. Please allow time for us to finalize the modification.     With regards to your concern about the Tax disbursements and the transaction history, we apologize for any inconvenience this matter  may h ave caused. We will send you a copy of the payment history and you should receive it by email within  three d ays.     To formally dispute your transaction his tory with Ocwen, plea se send a written request along with any supporting documents t o our Research Departm ent.The fax number for o ur Research D epartment is  XXXX   XXXX   XXXX   XXXX . You can also send your correspondence by mail to the following a ddress : Ocwen Loan Servicing, LLC  Attention :  Research Departmen t  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Customer Service Collection : AFNI INC for XXXX I order this phone then decide i did not want phone so I sent it back ... .. First there said did not receive phone back ... .. that the charge ... .But then later on because kept bother me ... .They said the phone was turn on ... .so the charge was for early termination of contract???? But I return phone not open so how could the phone been activated????

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of the debt, my account with XXXX bureaus such as XXXX and XXXX has a fraud alert on it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This has been a constant long overdrawn situation! I have had this company add medical bills on my credit report then take them off and add them again. I also received an alert from my fico indicating that a new collection has been added to XXXX without any knowledge or verification or validation. I have sent the credit bureaus multiple letters to please SHOW ME ACTUAL PROOF that I signed or used an insurance card or was seen in such known facility. The letter from ARS does not indicate such thing.. these same collections has been removed in XX/XX/XXXX and added back. I want proof or delete them.. I have asked numerous of times. I have also uploaded the correspondence received from ars the service dates are not matching what was placed on my credit! Please send me validation of records.. from XX/XX/XXXX, XX/XX/XXXX, and 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 07-09-2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (OK).
Issue: Loan modification,collection,foreclosure

Complaint: Essentially what happened beginning in 2009 we had just completed a loan refinance on our house through XXXX XXXX XXXX XXXX. About two weeks after we closed on the refinance we began getting phone calls from XXXX XXXX XXXX and did n't know why only for them to inform us that XXXX bean had been shut down by the government, and that XXXX XXXX XXXX was going to be taking over our loan. They in mediately told us that we were behind at least XXXX payment which we could not figure out why because we had just refinanced. During this time XXXX being was telling us to continue to send them payments as well as XXXX XXXX XXXX saying to send payment to them. 
so for at least XXXX maybe four months we did not send the payment in to anybody and then we finally conceded to the fact that we should just send it to XXXX XXXX XXXX everything went downhill after that we tried to get caught up on those XXXX payments and they continued to not honor the refinance that we had done in 2009 with TBW. into XXXX XXXX XXXX XXXX XXXX decided to foreclose on us. we ended up getting an attorney who was absolutely no help because he decided to start running for state representative where we live. We tried twice to get a modification from XXXX, and they refused. We did n't know why! We kept trying! They finally agreed to a trial payment period! We paid XXXX trial payment and they immediately sold to Selene Finance! That led to another load of issues. XXXX said they could n't speak to us anymore, it was all selene 's! We kept making said trial payments-we were to make XXXX, we made XXXX! When I called to make a XXXX payment they REFUSED payment! They also insisted they had NO MODIFICATION info from XXXX!!!!! 
And now we are still facing losing our home!! Selene has sent us 'statements ' for the last year and a half. NO ONE ABIDED BY OUR REFI OR MODIFICATION!! They are trying to steal our home from us!! The trial payments we made? We 're {$200.00} MORE per month than our reg house payment EVER was!!!! 
THEY ARE WRONG AND NEED TO BE STOPPED!! I have been physically ill off and on since this all started back in 2009!!!!!! 
I fear my health will get worse or I will have a mental breakdown because of all of this!!! 
No one should have to deal with XXXX like this!! And it all goes back to our refinance never being honored in 2009 when XXXX took over for XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Dear Sir. I received a letter on XXXX XXXX, 2015 from the XXXX Bank finding inaccurate information in my credit report, as furnished by Equifax. Advised by the Bank in writing, I have tried to contact Equifax online, by phone as well as by mail. It is now about 10 days, I have not been able to talk to them on the phone as well as by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Today, XXXX XXXX, 2017 is the 3rd time I have requested CHASE The MIP to be cancelled/terminated. 
Again, note : I have made LTV ratio and paid the Five years premium. 
Please cancel/terminate the MIP. 
Thank you. 
XXXX XXXX

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 Real Time Resolutions, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX, XXXX XXXX XXXX sold $ XXXX of debt to Real Time Resolutions as I was not making payments on this line of credit, nor was I making payments on my first or second mortgage either, because we were upside down on the home ( owed {$450000.00}, sold for {$180000.00} ). The home was foreclosed on in XXXX of XXXX. 
This XXXX, XXXX, I pulled my credit reports, and noticed that Real Time Resolutions ( RTR ) was reporting a debt collection as a 'Mortgage ' and that it was 'Open '. This means the debt could be reported indefinitely. I sent RTR a letter, XXXX/XXXX/XXXX, demanding that they correct this as 'closed ', report is as a debt collection, list the original creditor and the original date of delinquency, as I believe it is past the statute of limitations on 7-Year reporting. I also demanded a copy of my 'Loan ' documents as well. RTR had previously had to remove a fraudulent report of a one-time payment, shortly after the foreclosure, I feel in a deceptive attempt to " RE-AGE '' this account. Why would I make a payment on anything on a home that I had already moved out of, and left for foreclosure? RTR corrected it. 
I just received a letter from RTR, XXXX/XXXX/XXXX, stating the information would not be changed, that it is 'correct ', with a cheap spreadsheet attached called " Loan History Summary '' ( also showing no payments ). I did not receive copies of the original " Loan '' documents as requested. 

Real Time Resolutions is a debt collector and a debt purchaser. They are not a mortgage company. I want the debt listed as a collection, with the Original Creditor listed and the Original Date of Delinquency listed as well, so this debt will drop off soon, if not now, as I believe I had not been paying on this equity line long before I stopped paying my mortgage. Otherwise, I want REAL proof that I signed a mortgage with this company, as demanded. What RTR is doing is DECEPTIVE, ABUSIVE and UNFAIR, and violates the Dodd-Frank Act. 

My credit is not improving after the foreclosure which happened over XXXX years ago. It is stagnant because of RTR, forcing me to pay higher interest and fees, and even forced me to pay an additional deposit on a home I just rented in XXXX, XXXX, due to my credit score. My current credit reports do n't even mention the old mortgages anymore, only RTR remains. I have read that RTR does all this to force settlements/payments, as they are the only ones left after foreclosures, and people ca n't move on and rebuild their lives until RTR gets paid, only because people are n't educated on Real Time Resolutions deceptive practices. 

Please help us resolve these issues, help us get proper documents as proof that we owe or do not owe, and make RTR report this debt as a collection correctly to the reporting agencies. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I have XXXX accounts with Chase, XXXX checking and XXXX savings. My mother is on XXXX of the savings, jointly. When she logged into Chase using her credentials, she was able to access the information in my personal checking and savings, where she is not listed on the account. She could see all statements, every debit, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (VA).
Issue: Taking out the loan or lease

Complaint: I purchased an ( Infiniti FX35 XXXX ) from a car dealer called XXXX located in XXXX, XXXX. During the contract signing, everything was signed digitally on their computer system. After signing the contract, they only gave me the printed copies of the extended warranty 's documents and told me that their printer suddenly developed fault and promised to print and mailed it through XXXX by the following day. 
During this transaction, I made a down payment of {$4500.00} to the dealer, and the signed contract was supposed to be : Vehicle Price = $ XXXX+ Extended warranty = $ XXXX+ Taxes and others = $ XXXX+ Based on the above break down, the total amount was $ XXXX+,. 
My monthly payment was {$430.00}, the term of the agreed contract was supposed to be 30 to 36 months. 
After one month I decided to cancel the extended warranty due to the fact that they refused to fix the car because the car had multiple issues which they did not disclose to me during purchase, all issues came up when I drove the car from XXXX to XXXX in XXXX, the following day I called them up a made a complaint about faults I discovered, they advised me to take the car to a workshop and inform the warranty company, I did just that but the warranty company refused to pay because the cost was up {$2000.00}. 
After I made up to nine months payment consistently, I decided to call up the company that financed the car by name " Credit Acceptance '' and required to know my balance, at that point they inform me that my outstanding is $ XXXX+, and term of the contract was increased to 60 months as against the 30 months which I signed for. 
At this point I asked them about how much they did finance the car, they told my $ XXXX+ I asked them why and how did they pay up to $ XXXX+ because I made a down payment of {$4500.00} which supposed bring down the balance to $ XXXX+ before the financing, at that point they told me '' we know nothing about your down payment, call up your car dealer and ask them ''. 
Both sides have been pushing me around. 
( 1 ) I signed for 30 months contract not 60 months. 
( 2 ) The dealer tricked me they were going to send the contract documents the following day because printer was faulty, till this time the contract has not been sent to me. 
( 3 ) The down payment I made could not be accounted for. 
Please I really need help, I am still new in this country struggling to meet up. 
If I should be paying {$430.00} on a monthly basis, meaning I will end up paying {$25000.00} to the lender adding to the {$4500.00} down payment making it {$30000.00}, I did not bargain for this. 
This car is a XXXX infiniti FX35, with XXXX miles during purchase. 
Please contact me if you need more information.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a complaint against Experian XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

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 non-monetary relief
Consumer complaint received 11/18/2015 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I obtained vehicle insurance and I received an Insurance Score Notice stating there was PRESENCE OF A BANKRUPTCY ( SEE ATTACHED ). I do not have a Bankruptcy. In XXXX of 2014, I contacted CFPB to file a complaint against XXXX, Case Number : XXXX. TRANSUNION, DELETED the Bankruptcy from my Credit Report ( SEE ATTACHED ).

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