milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear SirsXX/XX/XXXX Re : TransUnion ( XXXX  is worse ) My FICO rating was over 650 in XX/XX/XXXX and early XX/XX/XXXX with aggregate debt of about {$4100.00} My ex wife fraudulently put {$3500.00} on mXXXX XXXX  card reflected inXX/XX/XXXX which raised the total debt to $ 7600+-from {$4000.00} Thus my score went down to Approx 605 The {$3500.00} was removed in XX/XX/XXXX and score went back to only XXXX  although the aggregate was about same as previous ; about {$4000.00} ( i had kept the debt level up to reflect my position as my ex wife was harassing me for money and that I still had debt! ) Since, in XX/XX/XXXXand XX/XX/XXXX, I have paid XXXX down to {$1000.00} and XXXX  to {$700.00} for an aggregate total of {$1700.00}, less than one half of the position in late XX/XX/XXXX yet the rating is only XXXX!! My allowable credit with other parties, all clear ( XXXX XXXX  etc ) is {$29000.00} so I am well under 10 % Also paid off 1 of 2 accts in dispute, the other a hospital amount of {$380.00} still in dispute with XXXX XXXX Hospital I am XXXX years old and trying to buy an inexpensive " over 55 '' condo ( {$30000.00} ) in XXXX county in FL for cash, however the fico destroys my chance with the understated score!! .as they all require a credit report around 650.Most recently inXX/XX/XXXX I was turned down on a purchase as they refuse to read the facts.

My phone calls to TransUnion have met with no assistance or consideration notwithstanding my much reduced credit usage!

Please give me some assistance in this matter so I can have a home which I can afford Yours truly XXXX XXXX  E-Mail XXXX Present residence - XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX  ( with a friend ) Tel ( XXXX XXXX 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 04/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Affni Inc a debt collection company purchased a debt from different debt collection company that could n't verify the account, XXXX could n't verify it either and they are supposedly the original creditor, and thus had to remove the account from my credit report. Affni purchased the debt from them and has now reposted the dent and should be in violation of the fair and accurate credit reporting act. The original creditor admitted they ca n't verify it so why are other companies continuing to try to post it on my report and make collection attempts

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On my Equifax Credit Report, XXXX Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: THE FACTS : 1. I defaulted on my GMAC mortgage payments XX/XX/XXXX due to job loss. 
2. Now bankrupt GMAC ( superseded by OCWEN Loan Servicing LLC later on ) issued a repayment plan. 
3. I complied with repayment plan - paid all requested amounts to GMAC through XXXX XXXX for 8 month. 
4. On XXXX XXXX, XXXX, GMAC approved my Mortgage Modification Request and set the monthly payment amount based on new loan amount that contained all the default amounts from previous months. 
5. I have been making payments every single month starting XXXX XXXX without missing a single payment and without being late till Present, all according to GMAC/OCWEN requirements. 

Now, comes XXXX XXXX, and more than 5 years after my Mortgage Modification with GMAC I am suddenly informed by OCWEN that I am past due 7 month?! 

Even assuming that GMAC/OCWEN were not calculating monthly payment correctly or having any other reconciliation errors - it is still not acceptable consumer lending practice to suddenly inform the customer about 7 months default and engage in behavior that OCWEN is engaging ( when all I did is complied with their requirements at all times for 6+ years ), namely : Start charging me late and other fees, as shown on your recent statement. 
Refusing to accept my regular payments that I have been paying for years. 

OCWEN 's Customer Service is in XXXX and I can not get any meaningful answers from there. Meanwhile OCWEN is pushing to foreclosure. So I had no other choice but to apply for additional Mortgage Modification with OCWEN ... and now am waiting for them to approve it. 

It has been a month of them supposedly " researching '' but meanwhile they are charging me late and " other '' fees and pushing for foreclosure. So far I did not get a meaningful documentation and accounting on the loan according to Section 2954 of the California Civil Code ...

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Medical) with Concentric Receivables Management, Ltd. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Request validation of this debt. I do not believe I owe this creditor. Initial bill sent to wrong address due to their error. Conflicting amounts allegedly owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: A charge of $ XXXX was placed on my XXXX XXXX XXXX The charge was at XXXX XXXX XXXX using a XXXX XXXX = XXXX CARD!! This is impossible as I NEVER use the XXXX Card and never carry it AND I have a XXXX 's Club card! In my query to XXXX, they refused to send me ANY docs substantiating WHAT was charged. I refused to pay and they eventually turned the charge over to XXXX XXXX. XXXX XXXX called to collect and I informed them I would be happy to pay IF... IF they would show me the actual transaction, which they refused. XXXX XXXX then reported it to Equifax and Equifax deducted XXXX points from my credit of XXXX to XXXX. I challenged the report to Equifax AND XXXX ; Equifax reported they had " INVESTIGATED '' and found XXXX XXXX 's report substantial, NEVER addressing MY request for ANY documents attesting to the charge. I should have paid the THIEVES!

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Struggling to pay mortgage

Complaint: Please see XXXX which your office closed today. I did submit feedback and asked if that was enough or if I had to file an additional complaint. The email response to my feedback was simply that it would be added to my file so I am submitting an additional complaint. 

I am attaching a letter from XXXX XXXX that was sent to CFPB in XX/XX/XXXX 2016 when I enlisted your assistance in having my modification completed. This letter clearly shows that my payments were to be XXXX per month, no mention of escrowing taxes and insurance and no reason to do so as I was clearly paying my taxes and insurance on my own. Bayview accepted the transfer of my mortgage from XXXX and clearly accepted their terms. No correspondence was sent to me that they were changing the terms of the modification. Adding the " deferred amount of XXXX '' was not needed nor do I believe it to be legal as I clearly complied with the terms of the modification. Additionally this amount was never credited to my mortgage nor any payment to my mortgage or my homeowners or insurance. I am again requesting that this amount be taken off of my mortgage agreement and the information shared with XXXX XXXX who is currently managing my mortgage so that they can adjust their records I am also requesiting that this case not be closed simply because Bayview sends you a letter with their explanation that I was to include the taxes and insurance payment which gave them the right to access this amount to my mortgage, that is simply not true. I believe this amounts to predatory lending practices on a senior who was trying to obtain a mortgage modification. I am once again requesting your assistance with this company, a company that perhaps should be investigated as I 'm sure that I 'm not the only one that is having this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Other mortgage) with Buckley Madole, P.C. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint surrounds the illegal execution of a foreclosure sale completed on XXXX XXXX, XXXX.I have requested on multiple occasions for Buckley Madole , P.C. ( BMP ) located at:XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, 2015. It is a fact, that I did not receive notice from BMP, nor XXXX ( XXXX ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
New Jersey foreclosures are administered through the court system. RULE XXXX. Foreclosure of Mortgages, Condominium Association Liens and Tax Sale Certificates. We received no copies nor summons of the original foreclosure complaint action filed within XXXX XXXX XXXX XXXX. Therefore rendering our right to due process in effective in regards to unbeknownst Docket NO. XXXX civil action. BMP, has failed to provide the following documents required to be filed prior to conducting foreclosure and have violated fair foreclosure act n.j.s.a. XXXX XXXX : I have requested case numbers pertaining to these foreclosure filings and BFW has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of one and one-half times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. 

We implore your office to investigate this matter immediately, as BMP which is considered a foreclosure mill purchased in addition to failed to, provide Notice of sale must be mailed to homeowner ( and all parties who appeared in the action ) at least ten days before sale, as well as posted on the property and in the sheriff 's office, and published in XXXX newspapers for four weeks. We are forwarding to additional bank regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: im a XXXX yr old XXXX woman collecting an ssdi check of {$780.00} a month i have an equity loan w/ green tree morgaging company ive applied several times to get a loan modification to lower my inerest rate from 8.89 % with 5 % interest on my insurance my taxes includuded are costing {$490.00} a month i have a balance over {$21.00} i also have a first morgage from a private morgage costing {$170.00} a month totaling {$670.00} a month with a balance of {$16.00}. ive tried several times to get a loan modification from green tree w/ them telling me the paperworwork wasnt sent in in time and once i got that notice before i even got the application last time was last month and i just recieved a denial letter reason being i dont make enough money.my ex husband pays the rest of the household bills for me and his paychecks were submitted.i dont understand if i dont make enough money why wont they notify me they are owned by XXXX and XXXX gave me a lot of problems placing forced ins. on me when i was already paying my own ins i complained about this issue and they covered it up after ruining my credit making it impossible for me to get a refinance i have XXXX and XXXX issues and other bills and privatate matters i cant pay due to this rediculous amount of interest i had less than {$3.00} taken of my balance in 10 yrs.i cant afford this each month ive been borrowing money to pay this every month and the XXXX is becoming unbearable is thier anything i can do about this? i need over $ XXXXin home repairs due to falling during XXXX like burned countertop, cracked floortiles and other appliences glasstop stove crack and no working oven i had to have a XXXX and XXXX XXXX and need assisence geting in the shower because my tub is too high i cant even sell my house because it needs to be tented the eaves need to be pained and the outside needs to be painted and the screen room is all ripped, the toilet keeps overflowing and thered mildew in the kitchen sink and the bathtub.and i have to pay co-pays on all my medications.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/2017 XXXX XXXX got a payment from me to post into account ending in : # XXXX for XXXX XXXX XXXX in the amount of XXXX. 

XXXX XXXX did NOT post the funds into the correct account which in fact was included with account # from my bank on the check issued via bill pay my bank XXXX XXXX. confirmation # XXXX check # XXXX. 

I called 6 times and was hung up on 6 times! 
I want MY MONEY credited to the ACCOUNT ending in XXXX!!!, NOT mine! : ending in : XXXX!!! 
The company refuses to acknowledge their wrongdoing and insists that I must keep calling them for updates! 
Look, I do not know about the " lack of accounting skills '' that XXXX XXXX omits from it 's training in bllling and accounting practices, I do know they are a bunch of idiots! 

As a consumer, I do not anticipate me " working '' to correct their " XXXX ups ''. 
I expect the " company '', XXXX XXXX, be held to higher standards within their Orginazition, including adhering to sound business practices and proceedures, not this careless screw-up! 


Sincerley, XXXX XXXX XXXX XXXX cell XXXX fax!

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 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for this credit card on XX/XX/XXXX with the bonus offer that was promised on charges for first year. Offer stated that it expires on XX/XX/XXXX at that time and was even extended til XX/XX/XXXX. I spent about {$500.00} in first month at restaurants and was expecting 10x points to be posted when statement closed. Upon seeing the points not posted properly, contacted American Express customer service. I was then told to wait few more days as it might take couple weeks for bonus points to post. I kept my restaurant spending going as I was still expecting this to be rectified. In middle of XX/XX/XXXX, I  reached out to customer service again and was notified there is no such offer on my account. I was then told that representative will open request with Marketing department and it will take 2-3 weeks  for response. I called again in middle of XX/XX/XXXX as I spend over {$1000.00} at restaurants on this card and bonus was still not posting. I was told Marketing department did not make any updates so offer is not applied. I asked to request Marketing department to look at my case again as I was promised something on website and am not receiving it.I gave them another month and called again in end of XX/XX/XXXX. This time I was told my request was denied and that I was not offered this particular offer even though I clearly applied for the card from the page that has the offer. I asked to speak to supervisor and was told nothing can be done. I was then told that based on my history, I would be offered XXXX points instead of XXXX points I should have gotten. I stopped using the card and decided that American Express did n't deserve my business. I also lost out on 2x points for {$50000.00} as well that i would have spent on the credit card if the offer was extended to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Some one used my name and social security number yo open up a light bill at an address I never lived at

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from EOS CCA and was informed that I owe {$190.00} for a XXXX bill back in 2011. I told them I have n't had a Century Link account in many years and that I do not owe them any money nor had XXXX tried to collect any money from me. I told them I would need paper verification of the debt and the date of service. The caller asked me if I recognized a phone number linked with the account and if it had ever been mine ; I told him no on both questions. The caller then told me that I should call the police and report my identity being stolen ( escalating voice ). The call ended abruptly. I called XXXX XXXX and they have no records of me or me owing any money. I do not exist in their system. About 10-15 days later, I was checking my credit reports and the company showed up on my XXXX credit report as owing money. The reported date was dated between the time I was called ( XXXX ) and the time I checked my reports ( XXXX ). There has been no mail correspondence and no requested paperwork verification. I immediately submitted a credit dispute to XXXX. Just prior to submitting this complaint to you, I did some research and found several consumer affair sites with same and similar reports as to what I am experiencing. This is a fraudulent debt collection and EOS CCA is apparently well known for this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: In XXXX 2015 my wife was in an a single care auto accident which cause over {$40000.00} in medical bills. USAA has failed to provide insurance as prescribed and pay for over 15 years. Their failure has negatively affected my wifes credit. Preventing us to move forward to purchase a home. We 've asked USAA to refinance a car loan to lower the rate an increase her debt to income. Even though the mistake is theirs they told us we had to wait 90 days. I 've asked repeatedly through various departments and reps for an explanation letter and have been refused. Also, USAA has doubled our insurance premium without explanation and without paying off my wifes medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with ConServe (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I applied to XXXX University in XXXX XXXX, CA. However, I never attended any XXXX at the XXXX. I spoke with someone from the XXXX and informed them I would not be going there after all. They said I would be dropped from classes that they signed me up for. Now they have sent me to collections for {$5000.00} in tuition costs for an education that I never received. I never attended any classes at all.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, an unauthorized transaction occurred on my account. Money was withdrawn in person at the Chase at XXXX XXXX XXXX, XXXX XXXX, LA XXXX. I live in XXXX, TX  and did not make this transaction as I was in XXXX at the time. I requested information about his transaction occurred via chase online message XX/XX/XXXX. Chase response was that I will receive a reply within five business days. I have not received that reply and it is XX/XX/XXXX.

I also contacted the local branch with this information via phone so I can be advised how this transferred occurred The first phone call was on XX/XX/XXXX. A manager received the details but has not called back with this information. I called again on XX/XX/XXXX. Still, no reply The individual who made the transfer did not have my  account number so it is my assumption that a teller at the local branch provided my account number to the person making the withdrawal. This is a serious breach in information on Chase 's part, and there are probably other instances where information was shared/released to non-unauthorized parties on my and other customer 's account. 

Chase has issued a provisional credit, which can be reversed at any time. Therefore I am still waiting on a response as to what happened and how the matter is to be corrected.

Company response to consumer: Closed with monetary relief