milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Application, originator, mortgage broker

Complaint: My father provided me with with a down payment for a house on XXXX acres of land in NH. My mortgage loan was approved for {$150000.00}. After the mortgage loan was approved, the seller stated that he would only complete the transaction if an additional XXXX acres was included in the sale for an additional {$60000.00}. We made a sales agreement for the additional land and paid for it directly to the seller. At the closing the mortgage and deed included the dwelling and the entire XXXX acres. The closing process should have deeded the dwelling and XXXX acres to me as approved on the mortgage application. The additional XXXX acres should have been deeded to my father and mother because they purchased that parcel of land on a cash basis. The original mortgage was held by " Country Wide ' but is now held by Bank of America. Bank of America will accept an application for release of the XXXX acres. The request application carries a charge of {$500.00} and only provides a review of the situation. I think it is unfair to have to pay {$500.00} to Bank of America to consider my request. In fact, further review of the attached documents will clearly show the said XXXX acre tract was clearly purchased and paid for in-full at the closing. The XXXX acres of land in question, therefore, should not be included as security on the current mortgage loan.

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 11-06-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent numerous letters to LVNV Funding regarding an alleged debt of {$16000.00} on X/XX/2017,  X/XX/2017, X/25/2017, X/XX/2017, X/XX/2017 and XX/24/2017 via certified mail. I have proof that they received these letters due to returned signatures from their company. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: I have XXXX mortgages. XXXX, XXXX XXXX and Chase. I was refinancing with XXXX and incorporating XXXX into the loan. It was approved and we were waiting for Chase to sign a subordination which they do not want to do. If they do't i will surely not be able to afford paying them. Chase was a equity line with a 10 yr draw interest only and 10 year repayment period which we just entered. If they dont approve the subordination, I will not be able to make their payment. The money I am saving from the refi with XXXX and XXXX was going to Chase. The payment with chase went from {$300.00} to over {$900.00}. I had claimed bankruptcy in 2010 but have been up to date with them. If they do n't approve subordination i will not be able to refinance and I certainly wont be able to continue making new payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted the company many times in regards to this. I do not owe this and have never had an account or contract with this company. I have contacted the Better Business Bureau as well as all of the Credit Bureaus in regards to this. I have not received validation of this debt and want it removed from my Credit Bureau accounts immediately ( XXXX, XXXX as well as XXXX ) and I want all contacts with this company to stop. They have contact family members in regards to this as well as given out information that should not have been given in regards to this to individuals that are not myself. They are also not licensed to collect in this state. They was supposed to remove this information from my credit bureaus already and they did then put it back on there. And never notified me. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a letter to Experian, stating that the listed items were not being filed accurately on my credit report. I stated that I needed them properly verified and they were not. I was also told in the response letter that they would not re-investigate. 

As a part of FCRA ( Fair Credit Reporting Act ) they did not provide me with information that was transmitted to the data furnisher. They did not inform me of who they spoke with, the date, how long was the conversation, what was their position, what number did they call, what was the name of the employee that spoke to the creditor, what was the position of the employee that spoke to the creditor. This inaccurate reporting has caused me emotional distress and hindered my job search.

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 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: TODAY AT XXXX I LOGGED INTO THE ONLINE SYSTEM OF CAPITAL ONE TO MAKE PAYMENT FOR MY TWO CREDIT CARDS. AS I WAS ATTEMPTING TO PROCESS MY PAYMENT FOR ONE ACCOUNT IT GAVE ME THE PAYMENT DATE OF TOMORROW XXXXXXXXXX EVEN THOUGH I HAD UP UNTIL XXXX TO MAKE THE PAYMENT. 

I IMMEDIATELY CALLED UP CAPITAL ONE TO FIGURE OUT WHY THIS WAS HAPPENING AND SPOKE WITH XXXX WHO INFORMED ME THAT I WONT GET A LATE FEE BEING I MADE THE PAYMENT BEFORE XXXX. I ASKED TO TALK WITH SUPERVISOR AFTER THE REPRESENTATIVE INFORMED ME THAT I SHOULD CANCEL PAYMENT OF WHICH DID NOT SOUND CORRECT. 

I SPOKE WITH XXXX ACCOUNT SUPERVISOR WHO SAID SHE WANTED TO CANCEL PAYMENTS AND PROCESS THEM OVER THE PHONE AND I SAID NO BEING I WANTED THE BANK TO PROPERLY MODIFY THE PROBLEM. I ASKED TO TALK WITH AN ONLINE TECHS UPPORT PERSON WHO COULD DEAL WITH THIS MATTER BUT SHE DID NOT TRANSFER THE CALL TO ANYONE. SHE TOLD ME SHE CAN MODIFY THE DATE BUT SHE NEEDED MY PERMISSION AND STARTED READING A DISCLOSURE STATEMENT FOR WHICH I DECLINED BEING THE BANK WAS OBLIGATED TO MODIFY THE DATE TO THE XXXX BEING I LOGGED INTO MY ONLINE ACCOUNT BEFORE XXXX ON XXXX. SHE REFUSED TO GET HER MANAGER WHEN I ASKED FOR ONE. SHE FINALLY TRANSFERED CALL TO A TECH SUPPORT PERSON WHO WAS OUT OF THE USA AND I WOULD NOT TALK TO HER. SHE THEN TRANSFERED ME BACK TO XXXX ONLINE TECH SUPPORT DEPT IN THE USA. THIS REP. FOUND THE TIME THAT I LOGGED INTO MY ACCOUNT AT XXXX OF WHICH NOT CORRECT BEING I LOGGED INTO MY ACCOUNT WAY BEFORE THAT AND THEN CALLED CAPITAL ONE AT XXXX. THE TECH SUPPORT REP. WANTED ME TO SEND A PRINT OUT OF THE SNAP SHOT FROM MY CELL PHONE OF WHICH SHOWED THAT I ATTEMPTED TO MAKE MY PAYMENTS BEFORE XXXX TODAY AND THE PAYMENT POST DATE OF XXXX. I INFORMED HER I WAS GOING TO FILE A COMPLAINT WITH THIS AGENCY AND THEN I WAS GOING TO TAKE LEGAL ACTION AGAINST CAPITAL ONE FOR MODIFYING THE PAYMENT DATE. SHE THEN INFORMED ME THAT SHE HAD TO NOTIFY ANOTHER DEPT THAT I WAS GOING TO TAKE LEGAL ACTION AND THAT I MUST TALK TO THEM OF WHICH I DID NOT HAVE TO BEING I AM NOT OBLIGATED TO DO SO. SHE THEN TRANSFERED TO XXXX SENIOR ACCOUNT SUPERVISOR WHO INFORMED THAT I ASKED TO SPEAK WITH HIM BUT THAT WAS NOT TRUE. HE INFORMED ME THAT HE TOOK A SNAP SHOT OF THE SYSTEM SHOWING THE TIME I MADE PAYMENT AND WOULD GIVE IT TO THE PROPER DEPT TO FURTHER LOOK INTO THIS MATTER. HE ALSO INFORMED ME THAT HIS UNTI MANAGER XXXX WAS WELL AWARE OF THIS PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Medical debt) with Oliver Adjustment Co. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Correspondence was sent  to OAC o n  XXXX / XXXX /   2016 inquiring about a {$350.00} medical debt reported to  XXXX ,  XXXX  &  XXXX  . I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact tha t OAC has  never provided any verification of debt, further proves this for me.   FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illega l for OAC to continu e reporting this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Debt collection (Credit card debt) with Allied Interstate LLC (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: This number repeatedly harassses me throughout the day, even after I have explained to them that I do not owe any debt, and that they have the wrong person. I have blocked them and they continue to harass me. I do have credit card debt but I make my monthly payments on time and above the required amount. I have nothing that would require a debt collection service and they continue to harass me.

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 01-11-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has been contacted several times in the past and recently regarding the re-aging of a few accounts on my credit file. I contacted Equifax over the phone on XXXX/XXXX/2017 to indicate that items in my files were not validated and verified legally. The representative, " XXXX '', was informed that re-aging ( an illegal practice ) is still occurring on my credit file. I explained to XXXX that there were XXXX accounts where the date of first delinquency ( DOFD ) were not identical. 

XXXX stated that once a company sells a debt to a collection agency, the collection agency has their own dates. I explained to XXXX that this information was invalid, and that the DOFD are legally supposed to be identical, not different dates. Furthermore, I explained to her that Equifax is a resource that bridges the relationship between companies and consumers. They are required by law to ensure that the information the report on me is accurate. 

XXXX only submitted a dispute on this issue and refused to review the information and delete it due to inaccuracy. After SEVERAL investigations for these accounts, it is apparent that Equifax neglected to validate and verify these accounts as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: Due to the hack that occurred between XXXX XXXX to XXXX XXXX, Equifax has failed to properly secure and protect my credit data and personal information, including SSN, credit records, my name, and address. 

According to Equifax 's security website, my data has been compromised, and I may be at risk to be a victim of identity theft. I have thus taken actions to set up fraud monitoring on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This complaint is in follow up with Dispute # XXXX which Equifax has already responded to. I have disputed this claim in regards to State tax lien XXXX. I attached a letter from Lexis Nexis dated XX/XX/XXXX Confirmation number XXXX Customer number XXXX ( which I have attached ) that have stated that XXXX XXXX has removed this item from their database and I have also spoken with XXXX Consumer advocacy dept located in XXXX. She couldn't supply her last name. On Risk view report on FCRA, She stated that there were liens or judgment. On public records report she stated that State tax lien XXXX. Equifax sent me a dispute letter dated XX/XX/XXXX that they confirmed the Tax lien through XXXX XXXX and that it was reporting accurately. I believe Equifax did not investigate this with XXXX XXXX because I have a letter stating that this tax lien has been removed and have verified three different times with XXXX XXXX that there are no tax liens on my account. Equifax is not doing their job and did not investigate my complaint. Please provide relief because I have verified in writing and with a phone call that this disputed item has been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm am a XXXX veteran, My home was foreclosed XXXX XXXX, XXXX. I have the copy of the Deed Under Power of Sale. Recorded in XXXX XXXX, page XXXX of the XXXX County, XXXX, deed records. 
The address to this property is : XXXX XXXX XXXX, XXXX, XXXX. XXXX. This trade line should have been deleted XXXX XXXX from my credit reports. I been inform that this trade line will remain on all XXXX credit reports until XXXX XXXX. The company 's name is : Select Portfolio Servicing Inc. XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX. 
Select Portfolio Servicing has falsified documents, stating that I had paid them after the home was sold XXXX XXXX, XXXX. The original creditor : XXXX XXXX. Subsequent creditor : XXXX XXXX. This Loan was a predatory loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have requested that well fargo mortgage stop calling me work, company refused to stop the calls. If, my mortgage payment is not received by XX/XX/XXXX, well fargo mortgage starts calling me at work, reminding me of the payment or when can they except the payment. Sometimes calls are recorded message, mostly a live person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX we entered into a repayment agreement with XXXX XXXX XXXX XXXX to catch up XXXX late payment of {$1300.00}. We agreed to catch this late payment up by adding an additional amount of {$190.00} on to each payment of {$1300.00}. The new monthly payment amount was {$1500.00}, after the initial forebearance payment of {$1300.00}. These amounts were paid to XXXX ( # XXXX XXXX via money order on XXXX/XXXX/XXXX and by phone transfer confirmation # XXXX of XXXX XXXX, XXXX. In late XXXX XXXX we were notified by XXXX that our loan had been transferred to Nationstar Mortgage XXXX # XXXX XXXX. We made our XXXX payment on XXXX XXXX ( check # XXXX ) to Nationstar Mortgage in the amount of {$1500.00} by mail. Our XXXX XXXX payment was made on XXXX XXXX XXXX in the amount of {$1500.00} by cashier check to Nationstar Mortgage by mail. Febuary XXXX payment was made XXXX XXXX XXXX for {$1500.00} by cashier check to Nationstar Mortgage by mail. XXXX XXXX payment was made XXXX XXXX XXXX for {$1500.00} to Nationstar by cashier check. XXXX XXXX paid XXXX/XXXX/XXXX XXXX XXXX XXXX paid XXXX/XXXX/XXXX ) and XXXX XXXX paid XXXX/XXXX/XXXX XXXX of XXXX payments were made to Nationstar also by cashier check in the amount of {$1300.00}. 
Because of the sudden transfer of our mortgage loan from XXXX to Nationstar, there was an accounting error in whether we were to pay an additional {$190.00} with our XXXX payment to Nationstar. However, we continued to make regular on-time up to date payments as agreed per the repayment plan. Our continued problem has been that Nationstar Mortgage is continuing to show us being behind in our payments by {$1300.00}, even though our records substantiate that we are not behind by a payment. We will concede that if we are behind at all it would only be for approximately {$370.00}. We have notified Nationstar of this discrepancy and/or error on several occasions to no avail. In addition to continuing to show our mortgage by being behind by a month, Nationstar has incorrectly reported this information on our credit bureau files. Any assistance in rectifying this situation is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a Diversified Consultants at total of {$270.00} on XX/XX/XXXXfor a XXXX XXXX XXXX bill. I requested a letter be mailed and emailed to me. The company said sure. On XXXX XXXX or XXXX I called back because i never received the letter or email. I was told it will be emailed. On XXXX XXXX I called again XXXX and XXXX told a letter had been mailed out to last week. When I inquired about the letter being emailed to me I was told I had to send them something in writing to have the letter emailed to me. When I asked for an email address I was told their email was down and they did not have a fax number. 

I called back later to leaned the names of the individuals I spoke with, and I spoke with XXXX XXXX, who said he would drop a letter in the mail, but did not ask for me to send him a letter of request. 

Three issues : 1. I was told the letter was mailed.
2. I was told they could not mail the letter without me sending them a request. 
3. XXXX claims he is going to send me a letter without a letter of request from me. 

So what is this agency 's policy, did they ever mail me letter like they said, will XXXX really put a letter in the mail, do they really need a request from me, is their email really down for more thank a week? This agency appears to be lying to the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 08-12-2015 about Mortgage (Conventional fixed mortgage) with M H Loans Corporation (CA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX 2015 at XXXX I spoke to a XXXX XXXX who works with MH Loans Corp XXXX # XXXX. I explained that I was thinking of attempting financing to purchase a Mobile Home in my area, but I was n't sure how my score would appear as I had just experience a sudden reduction in my score for unknown reasons. I was in the process of exploring so I wanted to her to help me out with a report so I knew which way I wanted to proceed with an offer I was preparing to make. She told me that it was late that afternoon but would run my credit though her under writer the next morning, and call me once she had an answer. 
The next morn came and went without hearing from her or anyone from her company. At around XXXX I attempted to call XXXX XXXX at XXXX but only received a FAX tone. at which time I called my real estate agent XXXX XXXX XXXX, I reached XXXX XXXX and was going to tell her that I had asked this Mortgage loan company to advise me of my chances of getting a loan. XXXX XXXX at this time informed me that she had been informed by the selling agent that the lender XXXX XXXX had called her ( the sellers agent XXXX and XXXX XXXX had gone into detail about my wife and my credit file. I at that time told XXXX XXXX XXXX my agent ) that I had n't heard from the lender and wanted to know how was the other agent notified of my financial status before I even knew what the outcome was. More over how and why was someone whom I had n't authorized to be involved in my credit file nor had I or my wife even made an offer to this other agent concerning any kind of bank financing. at this point XXXX XXXX and MH Corp have violated several sections of FCRA and this has now resulted in a total breakdown of any possible negotiations between my wife and I concerning a potential sale. I do have more testimony of XXXX XXXX XXXX My Agent ) of even more detailed information that was pass along to her and the other agent from MH Loans Corp and XXXX XXXX of which I will forward to my Attorney XXXX XXXX XXXX XXXX No Relation to my Agent XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: 1. Midland Credit Management has not  validated this debt. They sent me statements of an  XXXX  Credit Card. The address on the statement does not belong to me. Please show me the signed agreement bearing my signature that proves this debt is mine.     2. Sending of a letter and it not be returned undelivered does not protect you under FDCPA. Please provide PROOF that this letter was delivered to me.
3. You voided an existing payment arrangement without my re  quest for your own convenience so you can renegotiate the terms of the agreement. Since you have breached the agreement we had made, without my authorization to do so this is evidence of your failure to keep your part in the agreement.

Company response to consumer: Closed with explanation