milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2017 about Mortgage (VA mortgage) with CENDERA FUNDING, INC. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Applied with a VA mortgage with XXXX XXXX XXXX, XXXX XXXX was our agent. We supplied ALL information that was needed, received a preapproval for {$220000.00}. After being into the process XXXX and half days, with closing being on the XXXX of XXXX, he stated that my husband needed to return back to XXXX MO in order for our loan to be secured due to underwriting stating that he must have full time employment. This was untrue after we contacted our local VA our of XXXX Texas. Because my husband receives XXXX and retirement, we where more than secure for the loan. This lender did n't know their VA rules and updates! My husband had job offers available to him, here in the state of Texas, but due to XXXX, XXXX XXXX, he was unable to meet those obligations and returned to the prior police department, which put a hardship on our family, only for XXXX to not supply us the loan being XXXX and half days into the process. We feel we have been lied to and discriminated against!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo sent me a very misleading statement, intended to make one think if they did not take immediate action their home would be foreclosed on. I pay my mortgage each and every month, have never missed a month, and have never payed more than 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Well in XXXX I purchased a loan from Homcomings Bank all was well never had one issue. Then in XXXX my loan was sold with out my knowledge to Gmac and thats where all the problems began. Payments were n't either applied to my account or were applied only to my escrow etc. I would call and complain and they would see they would handle it. Then these extra charges began to show up on my account and I would call and exspect the problem to be resolved but it never would. Then in XXXX my account once again was sold to a nonbank mortage company OCWEN. And the problems have just gotten worse number one every single time you call there is a person who doesnt speak XXXX and has no idea to what the heck is going on. So then we began talking by email. Then they requested we sent them are orginal documents. Number one should they already have all that? " Correct '' After that about month letter they sent us documents with there logo and some print out of the account payments from begining to end. How still owe XXXX on a {$15000.00} loan. XXXX Here the funny thing in XXXX my account was paid down to XXXX and all I have paid in XXXX is XXXX when I have made {$260.00} to {$300.00} a month payments. The documents they have sent saying I had a ballon account from the get go. The documents they sent do not match my documents. Its almost like they have cut my signuture out Pasted it to there papers. And trust me that can very easy be done. I saw other complaints against this company and they are all basically the same as i am Experiencing now. Someone needs to do something this is just crazy ... ... .PLEASE DO SOMETHING as well they have returned all my payments from XXXX on of this year and they took payment in XXXX, XXXX and then in XXXX they returned all the payments in XXXX weeks of cashing them. And been sending forclosing letters etc. What in the heck is wrong with these people?

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed XXXX XXXX Bk in XX/XX/XXXX that was successful completed and discharged in XX/XX/XXXX. All of the debts that were included in the bk were deleted from my credit report with the expectation of an entry made by XXXX ( was included in the bk and at the time was just XXXX ). I initially disputed this entry with Experian online and received a response that it was verified. I called Experian to get additional information was was told that my account was verified with the date of last payment made XX/XX/XXXX. Of course this was incorrect. I most definitely did not make a payment to this company during my bankruptcy. I was told that I needed to send in documentation to support my claim. I immediately mailed a copy of the debt schedule page, final account from the trustee, and discharged order. In my letter, I requested copy of the original contract, a complete payment history from XXXX, and vertification method. 
Today, I received from Experian the following which does not address the original incorrect reporting of this debt : An account included in a bankruptcy remains on the personal credit report for a maximum of seven years from the date bankruptcy was either filed or discharged. The bankruptcy itself, listed in the public record information section of the credit report remains for seven years from the filing date if it was a Ch XXXX, or 10 years from the filing date if it was a Chapter XXXX or XXXX. 
As a national consumer credit reporting agency we collect and store information from credit grantors and information available in public records following the guideline in the Fair Credit Reporting Act. 
When you use credit a record of your payment history is stored along with the respective account. The monthly payments leading up to a bankruptcy discharge tells the account 's history. Unless the history is inaccurate, it can not be deleted. Accounts included in a bankruptcy ( other than those under Chapter XXXX ) will no line indicate that a balance is owed. 

The account in question is currently showing : XXXXDate Opened : XX/XX/XXXXFirst Reported : Not reportedDate of Status XX/XX/XXXXRecent balance : XXXX paid as of .... 
Status : Discharged through Bankruptcy Chapter XXXX. This account is scheduled to continue on the record until XX/XX/XXXXComment : Account closed at credit grantor 's request. This item was updated from our processing of your dispute in XX/XX/XXXXAccount History : Debt included in Chapter XXXX Bankruptcy XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Experian requests to investigate and remove accounts from my credit report that do not belong to me and they are ignoring my requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Cash advance

Complaint: I am writing today to let you know I am having issues with Captal One due to the fact they are saying they do not know that I am the person using the Sparks Business Capital One Visa Card. I told them numerous times and I told them I sent them a fax with my driiver 's license picture, license number and address in the driver 's license as well. Also, I sent them by fax my social security card which I told them what nobody else knows that I am from XXXX XXXX. Also, i sent them a copy of my utility bill from XXXX from my home address XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX XXXX. And Capital One is still telling me they still have to verify if the person that is using the card is really XXXX XXXX XXXX. I kept telling them my name is under my picture. How can you not know it is me? Anyway, I had to hang up the telephone because I got upset with them since I was trying to purchase something from XXXX and could not purchase anything due to the fact they deactivated my card because they said their was fraudulent activity going on with the card when really I was the only one using the card ever since I got the card in the mail two weeks ago and they are just now trying to find out if thier is fraudulent activity going on they do not know how to handle any business. Capital One told me it would take the fraudulent department 3 days to validate and verify the person that is using the card is really XXXX XXXX XXXX. Please help me, because I have to take my card back to the car rental place at XXXX tomorrow and I need the money on the card to put gas in the car otherwise I will be severely penalized on my credit card and XXXX will charge my credit card XXXX because I did not fill up my gas tank or leave it on full before I return my vehicle to XXXX the car rental company tomorrow at XXXX. That is why Capital One does not understand the harsh implications of their actions could mess them up as a company and mess me up, due to the fact I will have less money to use due to their actions of deactivating my business visa credit card due to fraudulent activity. Also, I am trying to take care of getting my car out the shop, so I will have transportation to and from work as well. So I was trying to get a cash advance for that as well to pay for my car to get fixed, so I can put my car on the road as early as next week. I have a {$1000.00} more dollars on my card and I was only trying to use {$550.00} today and after the hold was taken off my card for the car rental at XXXX on tomorrow I was going to pay another {$200.00} for my car to get fixed promptly, so I could have use of my own vehicle that someone tore up and did not repair the damages. I ended up repairing the damages myself. A person that messed my car was XXXX and she tried to avoid me by moving all the way to XXXX. So I have to do an investigation to try and find her so I can make her pay for the damages she caused as well to my vehicle. I have an XXXX, which I paid {$5000.00} for with cash.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX fails to remove the XXXX XXXX account information. EQUIFAX reports incorrectly the account CREDIT LIMIT is XXXX EQUIFAX reports incorrectly the SCHEDULED PAYMENT AMOUNT is {$210.00}. EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: All address ' listed except XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Are not mine

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 09-04-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX, I have been unemployed due to being XXXX for over XXXX months and I am not receiving any XXXX income or any income at all for that matter. 
My home at XXXX XXXX XXXX XXXX XXXX, TX XXXX has XXXX mortgages attached to it. The XXXX lien is with BOA and the XXXX is with XXXX XXXX XXXX. My payoff with Bank Of America is {$140000.00}. I have been working with Bank Of America on applying for a Short Sale of my home Bank of America has completed an appraisal on the home which came to {$150000.00}. We have a qualified buyer who has been waiting for over 3 months on the review at a purchase price of {$150000.00}. XXXX XXXX XXXX has approved the short sale payoff of {$2500.00}. I also owe the Home Owners Association around {$1300.00}. With the payoff to BOA of $ XXXX, XXXX payoff of {$2500.00}, HOA, Commissions and closing costs, I am still {$11000.00} short when it comes to the closing table. Bank Of America is saying because the appraised value is more than the payoff, the file does not meet investor guidelines. I feel very upset about this considering the fact that we have been trying so hard to work something out with everyone. BOA even accepted the {$150000.00} offer including paying the closing costs to pay the XXXX lien, HOA, Realtor Commissions on XX/XX/XXXX. Now they are saying that it does not meet investor guidelines. When they accepted the offer, the buyers completed their inspections which was an out of pocket expense they now want reimbursed. In the offer worksheet that BOA accepted, they even agreed to paying {$12000.00} towards the XXXX lien which is more than we were asking for ( {$2500.00} ). This does n't make since why they would accept the offer then say " it does not meet investor guidelines ''. They think because we have an offer at $ XXXX that I can pay the payoff of $ XXXX and bring an additional $ XXXX to closing to pay off all the other expenses, with no regard to my financial hardship or the fact that the home sat active for over XXXX months before we got the offer of $ XXXX. If BOA forecloses on the home, they will spend more money going through the foreclosure, paying attorney fees, losing lending power, paying realtor commissions, paying property preservation services, closing costs etc. I am extremely upset and suffering an enormous amount of stress that it is physically killing me. My family is helping with an attorney that wants to take the case, but I really want to work this out as politely and peaceful as possible. I have attached the documents for your review. Please help me!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was previously with Washington Mutual who used XXXX XXXX XXXX as their Trustee. However, when I was transferred to Chase who filed a Notice of Default on my property recorded XXXX/XXXX/2010, Chase used XXXX as the Trustee without filing a a substitution of Trustee nor providing any notice to me. For XXXX years I have been trying to obtain a loan modification without any real consideration to my circumstances. I work two jobs just to pay my mortgage, and I am still using 39 % of my income to pay my Principal and Interest, taxes and Insurance. Chase comes up with all kind of excuses even attempting to illegally transfer my loan, furthermore, I do not believe that they have the original note, nor does XXXX, my investor. My tax statement still reflect Washington Mutual as the payee? They have been out of business for over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This Debt went into collection without me having any knowledge of this debt, a bill was sent to address where I did not live, with my name attached to the address, I never received a bill so it went into collection and were put on my credit report. the bill were initiated by my daughter Mother, she put my name on the bill with her address, we have never lived together.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continued calls and voice-mails everyday for a debt that does not belong to anyone in my house. I have called them back and told them they have the wrong number many times but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX account balance was paid of {$220.00} and only showing through XXXX affecting my transunion score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their comoany has on file that was used to verify the accounts I disputed. Being that they have gone [ ast the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verifed '' that I have disputed. Please resolve this matter as soon as possible. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (I do not know) with Lincoln Educational Services Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am disputing this collection account for several reasons. The original creditor was a school named Lincoln Technical Institute, which closed years ago for fraudulent accounts, predatorily financial aid tactics and student dissatisfaction. I was one of them and the school was located in XXXX XXXX, FL. I stated my concerns with the office managers XXXX XXXX and XXXX XXXX, who then dismissed me immediately from the program on XX/XX/2013. I was in between classes and financial aid was paying the tuition, so I gladly left. One month later, I received a {$1700.00} bill saying I owned them for dropping the program. They automatically put me on a {$200.00} a month repayment plan ( without my permission, no signed documents or even my knowledge ). I started getting calls and letters that this " loan '' is in default and it started reporting on all 3 credit bureaus. I have been disputing this for years now and even contacted the Florida Department of Education who stepped in and wrote Lincoln Technical letters on my behalf to drop this fraudulent charge of {$1700.00}. The school did drop the charge and THEN sold it to this debt collection agency named XXXX XXXX XXXX, who is now harassing me and reporting this " debt '' to all 3 credit bureaus. I need help with this as I am trying to buy a home and clear up my credit. These predatorily companies need to be held accountable for their fraudulent and shady money scheming tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with KEYCORP (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt has been paid and closed through KeyBank. For some reason it has yet to be removed from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Student loan (Non-federal student loan) with AES/PHEAA (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I applied for XXXX degree and was excepted XX/XX/XXXX. I decided to get a loan to help support through my 2yrs of schooling with American Education Services. I graduated XX/XX/XXXX with my degree and starting working XX/XX/XXXX for a XXXX. I went to my bank and consolidated all of my debt XX/XX/XXXX. My loan officer wanted the payoff for all loans or credit cards before he would give me a check. I called AES for a payoff amount and then sent them a check for the pay off amount. XX/XX/XXXX AES sent a statement showing I still owed {$2500.00}, I called and asked why I paid you off 8 years ago. The representative said your account shows you called for a pay off but that was n't a pay off. I said I did n't understand why and after 8 years they are chasing me down for more money and that I would n't be in a big hurry to pay them anymore money. With it being 8 years later I do not have any documents other than a copy of the check I received from my bank for the consolidation. I have now been turned over to debt collections and my credit report is showing a ding. I did call AES for a master promissory letter but does n't show anything about owing more money. I do n't know where to go from here, I called for pay off XX/XX/XXXX and sent a check knowing that I paid them off. Please help me in my dilemma. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: I got ripped off by CitiBank Credit Card Services. I scheduled a payment through their online services and the system did not process the payment. Since then XXXX broke loose and now they have ruined my decent credit and took me to a collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Credit card) with Alliance Data Card Services (NC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: A caller claiming to be Comenity bank has called me twice in a week to collect an old written - off debt ( approx 20 years old ). Threatening that i better have a lawyer, etc. I called the real Comenity bank myself, and they said I do not have an open account in collections or otherwise with them. They also confirmed that they do not have a phone number XXXX in their organization. the caller 's name is " XXXX '', and she states I " better call today '' with my lawyer. Obvious scam

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do n't have any recollection of this debt. I sent a debt Validation letter to the collection agency and received no response. The letters were sent in XXXX XXXX. All I wanted was this debt to be remove from my credit report as I do not owe it! The amounts were {$210.00} from progressive, {$130.00} from The general insurance and {$220.00} from the general

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Settlement process and costs

Complaint: Notary of home modification papers, Bank of America. More than willing to notary sign papers again for the 6th time when I receive written letter from Bank of America that this would be my last time in doing so. Told Bank of America contact, XXXX XXXX, that to contact XXXX XXXX ( contract with Bank of America to do notary ) not to call my house or come to my house to do notary ). XXXX called on Tues, XX/XX/2015 to notarize papers. I consider this as an intentional act of harassment because I told Bank of America to contact XXXX XXXX to cease all contact with me, until further notice. 
Action requested : Bank of America to inform their contract notary company to cease calling my house and do not come to my house to do so. 

XXXX XXXX

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