milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was transferred from one company to another, both belong to the same parent company. We received notice from Stearns ( our original servicer ) that it would be transferring to Loancare ( the new one ) on XXXX XXXX. I never received anything from Loancare, even though subsequent research has told me it 's mandatory. We paid our final payment with Stearns via autodraft on XXXX XXXX, the mortgage due date. On XXXX XXXX we saw a second withdrawal from Loancare in the FULL amount of our mortgage. When we called Loancare they said they did n't see that taking place on their end but had heard similar complaints by other customers. When we called back hours later, they assured us they 'd be wiring the funds back to our bank and they 'd be there by XXXX. They still are n't showing up, leaving us basically in financial ruin for the weekend with a small child at home. I do n't know ANYONE that can afford to pay their mortgage twice in a week. This is completely unacceptable and given my findings into this company today, I am not alone in my treatment from them. They need to be seriously investigated and shut down. They had no authorization to access my bank account in the first place and lied when they told us they 'd be taking corrective measures. 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Medical Bill with XXXX XXXX XXXX ( XXXX XXXX  Medical Center ) at XXXX XXXX XXXX, XXXX, GA XXXX, Phone XXXX and XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX., XXXX FL XXXX phone XXXX Medical Services were around XXXX XXXX, 2016. Payments have been and are currently still being made as agreed {$10.00} / 2 weeks. All payments have been tendered by creditor and is now being reported as negative on my credit report. XXXX XXXX XXXX Acct. # XXXX XXXX  Acct. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following credit inquiry is fraudulent, unauthorized and dont belong to me : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. I never applied for a XXXX XXXX  credit card.

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 03/29/2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: First contacted XXXX/XXXX/16. Goes by numbers ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Asked for information from them and said they were First Recovery. Wanted to verify my social security number. Asked more questions and little or no response. Called again and was addressed by a different name. Representatives spoken to named XXXX ( twice ) and XXXX. Threatened to call the police last spoken to and ended conversation. Reporting immediately.

Company response to consumer: Untimely response
Consumer complaint received 07-01-2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I paid on my student loans consistently from XXXX. I had to stop due to a family crisis and business failure that eventually led me to file bankruptcy in XXXX, XXXX. The case closed in XXXX of XXXX and the majority of my debt discharged. I immediately had my attorney contact the third party student loan collector on XXXX XXXX, XXXX. Rather than communicate with my legal counsel, they sent a form for my attorney to fill out authorizing them to talk to him. This is despite the fact, he had an authorization attached to the original letter. He sent the " Authorization to Disclose '' provided by ECMC. The authorization was lost. ECMC would not even communicate with my attorney for over a year. They denied getting the " Authorization '' and another was sent on XXXX XXXX, XXXX. Once the authorization was finally acknowledged, my attorney requested a hearing, but the hearing request was ignored. My attorney asked for an accounting and for all the documentation held by ECMC. On XXXX XXXX, XXXX, we received a letter explaining that they did not have any information on my prior payment history and the only information they were able to provide was a copy of the original promissory note from XXXX. I still have not received any accounting for all of the payments I made and the net result is I have student loans that exceed the original amount, even though I paid on them for seven years. In addition, I am being penalized for hiring legal counsel, since much of the recent delay has been by ECMC 's lack of communication with my legal counsel and the denial of his request for a hearing. My tax refund for XXXX was seized by ECMC. Their sole objective seemed to be to add the collection costs of 24.34 % on to my student loans. I have no problem paying my obligations, but I 've unnecessarily been placed in default and collections, when simply working with my attorney after my bankruptcy an appropriate repayment plan could have been reached. Now the defaulted loan is impacting my security clearance.

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 02/21/2017 about Debt collection (I do not know) with Bonneville Billing and Collections (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Bonneville Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016 was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

I confirmed with Citi on Multiple occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) that I fulfilled all terms of the offer and to expect my bonus. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the 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 non-monetary relief
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have  XXXX  public record accounts in the amounts of {$15.00}, xxxx and {$13.00}, xxxx that have been reporting on my yearly credit report by   XXXX    since    XXXX   XXXX   XXXX     . According to FCRA law : " This information is generally removed  seven years from  the initial missed payment that led to the delinquency. Missed payments and most public record items  may  remain on the credit report for up to seven years, except Chapters  XXXX ,  XXXX  and  XXXX  bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past due remain up to 10 years after the date the account was transferred. '' I have tried several times in the past gew years to have this information deleted from my reports, as since it has been reporting since   XXXX   XXXX     which is now 16 years and 6 years past the legally permissable reporting criteria. However   XXXX    continues to report this information which is a violation of my FCRA rights and  State  law. The account is also being illegally re-aged to reflect the current month as the reporting date every time I file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had submitted a disputed and they did not send out verification they had had obtain the debt correctly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I checked my credit reports. I noticed an account I did not recognize. In XX/XX/XXXX I sent XXXX a validation/verification request. I sent account verification/validation letters to all reporting agencies. The accounts payment history has been updated past the year XX/XX/XXXX. According to XXXX XX/XX/XXXXwas the last year of activity on this account. XXXX and Experian have updated the account past XX/XX/XXXX showing late payments although the account was charged off and placed in collections in XX/XX/XXXX. All bureaus are showing a balance of {$860.00}. XXXX shows the account updated XX/XX/XXXX. No bureaus reports the date the XXXX XXXX account will cease reporting. The verification/validation sent to me from XXXX does not have my signature on the application. I can not verify this is indeed my account.

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 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I learned via XXXX that Credit Control Service has filed a debt collection of {$200.00} on my XXXX credit report ; however, I do not owe this date and know nothing of it. Credit Control Service appears to be a 3rd party vendor and they have not attempted any communication with me. I believe they are doing this illegally and want the debt removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing statement

Complaint: I am getting statements sent to my home with another persons name XXXX XXXX XXXX and XXXX XXXX have never lived in my home. This person has never lived here and I have asked Capital One on several occasions ( 6 times ) to address it. I am considering getting an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the debt off and the collection company is still reporting as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am submitting this complaint about experian credit reporting agency. I have been disputing wrong information on my credit report for months now. I am unable to dispute information online. Experian claims they have 24 hour access to your online report. After answering all the security questions and disputing the information that is reporting incorrectly I receive a response that experian is unable to honor my request and please try another time. Experian is reporting a syncb/qvc account on my report that was paid in full over 2 years ago. I do not know how they are doing a full investigation as this account was removed off my report from another credit reporting agency. I feel they are not doing a thourough investigation and not even disputing the information for me. I was told last month after I was on hold with experian for quiet a long time that they can not dispute this item again for me because it has been disputed numerous times. That 's just not right. This account is no longer in business. I contacted consumer affairs and the better business bearou in regards to this issue as well as having this information reporting incorrectly on my credit report is affecting my credit score. Experian refuses to help and I have XXXX items on my report that are completely wrong and should be deleted. The other one is XXXX in the amount of {$4800.00} this also was an auto lease that was paid in full when I turned in the automobile and re-leased a new one. That bill was paid in full and I do not owe anything. I 've disputed this also with experian once before as the first time it was reporting that my monthly payments are {$4800.00} ( that 's completely wrong ) now it is reporting as a {$4800.00} balance which again is wrong. I am very aggravated that I am unable to access my credit report online and dispute this information and when I call they wo n't dispute it for me. This is affecting my credit score in a negative way.

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 05/16/2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Selene finance has now stopped excepting our mortgage payment. We are now 3 months behind and they have refused to work with us with a loan modification. We attempted to make XXXX FULL payments and have been refused. Selene is now telling us that we can be foreclosed on.

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 Alliance Data Card Services (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX a hard inquiry into my XXXX credit report was gathered from XXXX. I called XXXX and was told there was nothing they could do to dispute it and I called XXXX and let them know it was not me and they directed me to this website and make a report. 

The following day on XX/XX/XXXX a hard inquiry into my XXXX credit report was gathered from XXXX  Im not familiar with this company and I did not apply for any type of credit over the last few days so all of this was a surprise to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Other financial service (Debt settlement) with NELNET, INC. (TX).
Issue: Fraud or scam

Complaint: Nelnet called me and said they could consolidate my student loan, but all they did was still my money and mess up my XXXX information. I very perturbed, hurt, and sad that they have done this to me. Can you please help me? Thank you for your time and may XXXX bless all your endeavors!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax was compromised and I have been implicated as impacted. Equifax reported the issue took effect in XXXX, but announced in XXXX to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (AZ).
Issue: Deposits and withdrawals

Complaint: I am ally bank customer - checking and savings bank account. I scheduled a Bill Pay facility to pay $ XXXX to my spouse who is also having Ally bank account. Check was supposed to be delivered on XXXX XXXX, 2016 but it never happened. Moreover to my surprise the $ XXXX was debitted from my account on XXXX XXXX, XXXX how come that is possible? Firstly check should be delivered on time. Secondly money should come out from my account only when the receiver en cashed it? Moreover even when receiver deposits the check into his account it will take 3-5 days for the entire money to be available in his account even when it is ally to ally transfer. So why ally is in a hurry to take money out of my account so early - much before the check is reached the received? I am writing this on XXXX XXXX, 2016 morning. As of now receiver has n't received the check which he is suppose to receive by XXXX XXXX, 2016.

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are XXXX companies reporting a delinquent account that originated with a 60 month loan with XXXX that was secured by a vehicle. The Loan was originated on XXXX/XXXX/XXXX for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on XXXX/XXXX/XXXX. I paid this loan as agreed until Approximately XXXX XXXX when the loan was transferred to Green Tree for servicing. I was notified by Green Tree that my balance was still {$13000.00} after I had been paying my payments since XXXX ( 5  years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on XXXX XXXX, XXXX which I refused via fax on XXXX XXXX, XXXX and asked them to come and pick up the car that the loan was secured on. Green Tree then transferred the Loan to Ditech Financial who also tried to collect before selling the account to XXXX XXXX. I currently have a delinquent closed account being reported on all XXXX of my credit bureau reports by Ditech Financial LLC for the loan which was originated with XXXX as well as a delinquent Open Collection Account on all XXXX of my credit bureau reports by XXXX XXXX in the amount of {$13000.00} which again was originated with XXXX. My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the Green Tree Welcome Letter ) ; completely different than the Original Note ( Shown on the XXXX Loan Origination Note ) The Green Tree Welcome letter does however reflect the correct XXXX Loan/Account number and corresponding Green Tree account number, which is then referenced by Ditech Financial and XXXX XXXX. I will also include a letter from XXXX stating that they no longer have any of the documents of my real estate loan that was originated with them ( it was actually a 60 month vehicle loan that originated on XXXX XXXX, XXXX ) so they will delete the account from my XXXX agency credit reports. I would like to have any delinquent accounts associated with the Loan that was Originated with XXXX be deleted from all XXXX of my credit bureau reports PERMANENTLY Deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OK).
Issue: Loan modification,collection,foreclosure

Complaint: My husband was injured on the job in XXXX 2014. I called Wells Fargo in XXXX 2014 to see if there was anything I could do because I did n't want to get a bad pay history with them, and they told me all I could do was try to refinance. Because we lost XXXX of our income, my pay history ( and credit as a result ) has gone down the drain over the last year. Every time I talk to a rep, I have to explain my situation again and am again told I 'll have to refinance, but when I explain my pay history, I 'm told I wo n't be able to qualify for it. So I am basically stuck in this cycle.

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