milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Simon’s Agency, Inc (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was working with XXXX XXXX XXXX without verified Debt. I missed a payment and two weeks later XXXX collection reports Where on my credit report. It is my understanding I was paying towards one bill from one company and not XXXX. This is a violation of my rights and an attemp to destroy my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I called them after disputing the info that was incorrect on my report and they said it was correct. 
And that they would not allow me to dispute the information again even though it is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I do n't know what this debt is. I am a XXXX veteran with VA insurance. This debt has caused my credit rating to be lowered to XXXX. I can only assume this is some kind of XXXX visit to a private hospital and they did n't submit this claim to the VA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, I was informed by Merrill Lynch that a balance transfer from my XXXX XXXX credit card to a Bank of America credit card would take place and it did n't, resulting in a interest charge to me of {$4500.00}. Correspondence is attached.

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 01-08-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A collection agency named " Midland Credit Management " is reporting inaccurate information on a monthly basis about an old credit card debt that was written off XX/XX/XXXX. This was " sold '' twice with " Midland '' acquiring XX/XX/XXXX. I sent them a certified letter of which they responded. They still report that this was " Opened '' XX/XX/XXXX. This is an attempt to injure my credit for years to come. This practice could go on for a lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX Experian XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : SSN # XXXX Requesting Remove Item 30 Days Late Payment XXXX XXXX Account # XXXX I had a XXXX XXXX Account ending last XXXX # XXXX They have been reported late payment 30 days on XXXX XXXX all XXXX credit reporting agencies Experian, XXXX and XXXX. 
But I am already contacted with them and they removed 30 days late payment above account on my all credit reporting agencies on XXXX XXXX. 
XXXX completely deleted there credit file ( Refer attachment Protect ID Experian report and CPFB XXXX XXXX responded XXXX already deleted ) XXXX also They removed on XXXX/XXXX/XXXX .But again XXXX XXXX reported on XXXX XXXX as a Late payment XX/XX/XXXX above account on XXXX report . After that I complaint Consumer Financial Protection Bureau ( CFPB ) ON XXXX/XXXX/XXXX They believed XXXX XXXX send wrong information and Transunion deleted above late payment on their credit file ( refer CFPB Case number XXXX and copy attached ) Now up to date no longer shows my XXXX and XXXX credit report above Late payment on XX/XX/XXXX there credit reports. But your reporting agency still shows above account as a Late payment. 
Due to consideration XXXX major agencies reported same account as a accordingly and due to FCRA I can request to removed that late payment above account your agency as well. 
Please remove that Late Payment as soon as possible your credit file. 
Thanks XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NV).
Issue: Struggling to pay mortgage

Complaint: I fell behind on my mortgage. I hired an attorney to help me apply for a loan modification. My attorney faxed in my application and a third party authorization to Carrington Mortgage on XX/XX/XXXX. My attorney has been calling Carrington since then and they claim they still do not have the third party authorization uploaded into their system. They confirmed they had the application but they are purposely evading allowing my attorney to speak with them and thereby evading review of my application. As of today XX/XX/XXXX they still have not recognized my attorney 's third party authorization. They then tried to call me today on my cell phone asking for me to speak with them. I told them my attorney faxed you an authorization over a month ago and Carrington has purposely avoided recognizing that authorization. They tried to tell me they are missing paperwork and I told them I have an attorney and my attorney is the one who is handling all of this for me. Carrington is obviously trying to block my attorney from being able to help me. They evade review. Avoid conversations with my attorney by falsely stating they ca n't see the attorney 's authorization, however they can see my financials and application which was sent the same day with my application. My attorney says this is against RESPA Regulation X. Carrington is not allowed to evade review and they are now over the 30 day limit allowed to completely review my file.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have our mortgage with Nationstar. Went to their website on XXXX/XXXX/16 to set up an online payment for XXXX/XXXX/16. Printed out a confirmation. On XXXX/XXXX/16, they took the payment out twice. Said they have requests for XXXX and XXXX for online payment. I never made an online payment on XXXX. This is the fourth time in 18 months they have taken double pmts out of our checking account. It has wiped out our account and we are incurring overdraft charges. When I asked to speak to a supervisor, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was n't given the opportunity to do the income based. I was told that being that my loan was XXXX that it was n't worth it

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage payments fell behind due to a temporary loss of paid hours at my job. The loss of the hours was because of an unpaid internship requirement for completion of my XXXX 's in XXXX.I lost 25-30 hours per week I could have been working at a paying job. I have since graduated with XXXX and have received many job offers. I 'll accept one of the offers on or before late XXXX early XXXX after my license application is finished in State review ( I must be licensed to XXXX. ) I 've also gotten extra income from my XXXX XXXX daughters and an online business. 

Wells Fargo has repeatedly ignored my requests for assistance of any kind. I 've been working with my State and local consumer specialists/ legal aid was was directed to attend the foreclosure meeting and request a 60 - 90 day extension. I was advised it was my legal right to have one extension. I went to the hearing on XXXX XXXX with even more documentation than my counselor advised. At the meeting I was told that I was not allowed to provide any evidence, no explanations would be accepted, no questions answered, and no extensions given. I explained that the State/county representative had told me I had the right to one extension. I was told, " Well, he 's wrong, you do n't. '' The only information we 'll take from you is documentation that Wells Fargo had an accounting error and you have been paying all along, and the payments and are not behind. A representative of the law firm representing the bank was there but I was not allowed to ask her any questions. No representative of the bank was present. 

I was asked if I had been in the military in the last 90 days ( I had not. ) I asked if I could offer the documentation about my permanent XXXX status with SSI. I was told " no. '' Today, Saturday XXXX XXXX I received a notice that Wells Fargo was going to auction my home off on XXXX XXXX. 

I 've worked with the bank multiple times and in multiple ways to correct the situation and/or ask for help. I 'm always denied. 

I believe that Wells Fargo is discriminating against me for my XXXX, and possibly for my XXXX daughters ( XXXX XXXX ). I have been denied my right to appeal, to have a time extension, and assistance. 

I also need information on any program that would allow me to stay in my home as a renter for two to three months, until I am able to accept one of the offered XXXX jobs and resume paying mortgage payments. I have and my family have no place to go, no extended family here, and no extra funds for moving and storage help. I am not physically able to move the contents of the home, especially with such short notice.

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 03/20/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar denied loan modification for property that was purchased XXXX XXXX with XXXX who was in process of beingsued for " preditory lending '' and filing for bankrupcy in that very month and year. 
Nation Star Mortgage eventually gained control of our mortgage from XXXX. There is a break in the chain of title of & gt ; the mortgage. MERS transferred the mortgage to Nationstar on & gt ; XXXX XXXX, XXXX, but before that on XXXX XXXX, XXXX Freddie & XXXX XXXX Mac owned the mortgage & gt ; ( please see attachment from attorney XXXX XXXX that I havesubmitted for complete information on this. ) Further, The process for " loan modification review '' lasted from XXXX XXXX XXXX, XXXX while the foreclosure process was moving along and is now is the final stages of the Judiciary process. 
I feel that Nationstar did not act in a timely manner and is not following guidelines for a fair loan modification on this property. Reason for mod denial is that the " delinquent amount due '' is too high to produce a lower mortgage when that amount has been increasing steadily as the loan mod review has taken so long. Nationstar regularly asked for documents, and then when those were in, found more documents they needed ; documents that had " timed out '' while Nationstar continued to request new documents had to be resubmitted. The process would begin again for review ; the request for additional documents would come XXXX by XXXX as the time ticked away and the " review '' could notbe completed yet! I worked diligently with Nationstar to complete the " Borrower 's Packet '' and qualify for a Loan Modification. I do n't feel that they have worked to meet my needs in a timely fashion and may not have followed the correct guidelines for a Loan Modification on my behalf. There also seems to be some illegal activity around my account, per the documentation that I have provided in an attachment from Attorney XXXX XXXX. A Sale Date is certainly immanent now on this property. Though XXXX XXXX has given me some council on this matter, he is not currently my attorney. I am working with Legal Aid of Hawaii now to hope to stop the foreclosure. Their resources only allow for Loan Modification assistance. Without immediate attention to this matter, Nationstar will likely foreclose on my property, as there was a sale date of XXXX XXXX, XXXX which was " post-phoned '' by the XXXX Commissioner while the Loan Modification Denial Appeal Review was in progress. 
My appeal for Loan Mod. Denial was denied today, XXXX XXXX, XXXX. 
I am XXXX years old. I purchased this property for my children and grandchildren. 
I would like to keep this property if at all possible. thankyou. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is reporting XXXX property tax liens on my credit report from XXXX. 
These are not mine as I have never owned any real estate property in XXXX. In fact, I have never even visited this state or done any business there in my life. I have disputed this with Transunion but they stated liens were verified as valid and refused to remove. Please help. 
XXXX XXXX RECORDER XXXX - Docket # : XXXX XXXX XXXX - RECOR - Docket # : XXXX XXXX XXXX XXXX XXXX - Docket # : 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 12/19/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: There were 3 unauthorized withdrawals made to my Bank of America saving account during 3 consecutive days between XXXX to XXXX, same bank location, They took {$450.00} the first day, then another {$450.00} and the last day they tried {$850.00} but they failed to withdrew the money so then they tried once again another {$450.00}. The bank called me informing me about this suspicious transactions until the third day. They said they would investigate, after several days without any update I called the bank and someone very rude told to stop worrying about it because at the end the money is insured and they will contact me when they finish the investigation. The day after I received I call from the bank informing me they determined the transactions were authorized and they will not give me back the {$1300.00} someone stole from my acct. I ask them about photos of the person who withdrew the money they say they call me to schedule a appoint to go to the bank and they will show me the photos/video. Several days passed and still no word from them I called once again and that 's when said they will not provide photos or any other proof, they solely based their claim of the transactions being authorized because the person who withdrew the money knew the pin number. They offered me to go the police if I wanted to put a complaint. I ca n't believe the bank does n't understand when I tell them I have my Card with me 24/7, I live alone, I barely withdrawn money from this account in the last several years, only deposit, still they seem fixed in the fact the person who took the money knew the pin number.

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 monetary relief
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: Last year i had listed my property to try to sell it to avoid foreclosure. I had to file for a chapter XXXX  bankruptcy to stop everything from going foward. I am now dismissed from the bankruptcy. The servicer has agreed to accept a short sale on the property. So my property was listed and they gave no amount but i got a couple of offers and submitted them to the servicer. They then denied offers and made the price XXXX. I had more showings and another offer for XXXX. They denied again and raised the price to XXXX. I then had an appraiser come in and appraise it at XXXX. My attorney subbmited to them and denied it. Still wanting XXXX. My property has been actively listed for almost a year now and i can not get it sold. The banks unwillingness to accept any offers. They are holding me XXXX it seems like. I have tired everything. I am a mother of XXXX kids and recently separated. This was my parents property and when they passed away i was unable to pay the mortgage due to major financial hardship. The servicer does not keep a price and keep changing their minds. I dont feel it is right how they are handling this short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (GA).
Issue: Managing, opening, or closing account

Complaint: My money was deposited into my rush card and i have n't been able to access my money. I 've called rush card and no one ever answers the phone and when your on hold, phone hangs up. I also faxed over to them a letter explaining that my card was deactivated and that the deposit id was incorrect. No one ever got back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect current address on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My situation is that i have a Derogatory mark that is affecting my credit score, i have not been able to progress as much because this mark is really affecting me. I have now a mark by Diversified Consultants which they say i owe {$1500.00} from the Company XXXX. 

I need your help because this is not a fair debt, when i was XXXX years old i purchase internet from XXXX, months later i received a bill for some pending payments wich i already paid, i went to the XXXX store and told the person who worked there at the time, and he verified us and told me that does charged were not supposed to be there, i was really young at the time so i assumed everything was taken care. 
I am XXXX years old now, and i have this negative mark from XXXX in the amount of {$1500.00} which has affected my credit, i called the Company, and the collector Company also to dispute this issue and explain to them what really happened, and their response was that this debt is mine and i have to pay it. It is really frustating to have this mark in my credit for a debt of more tan 7 years, and i think is not fair to pay something that was not mine and supposed to be there. 
I can not afford to pay this, the Company has not given me any options and dont want to help, i really need this to be settled and removed, i can not afford the payments and is not fair that for this i have negative marks in my credit score and history, i work really hard to help my family and pay my bills, i have been trying to ask for credit but everytime this issue comes up. 
I appreaciate your assistance, this is my last resort to solve this inconvinience. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Credit decision / Underwriting

Complaint: This is my 2nd complaint to the CFPB on Bank Of America ... My Home Modification that was offered is a Predatory Loan. BOA conducted a appraisal on the home with the value being {$200000.00} they are offering me a modification of {$360000.00} which is over the market value of the area. I have sent and appealed numerous times. I signed the loan offer under distress because I am tired they are charging me the back fees on the loan which the original amount was {$250000.00} and I filed a chapter XXXX bankruptcy which has been discharged for the pass balance or the total balance for that matter and I keep explaining that to them. So now they have sold the loan and they keep resending the paper work and wo n't accept it because I put under distress under my signature. This is very wrong ... I am trying to keep my home, I have made all the trial payments and feel like my hands are tied, but I do n't think this is a proper practice when they are selling the exact same homes for {$190000.00}. It is highway robbery!!! They should not be able to take advantage of the middle working class. I fell behind on the mortgage because my husband picked up and left without notice and the payments where already behind and I was unaware, then I found out that I was pregnant and I could n't afford the mortgage payment on my own. So if the house was never worth {$360000.00} and the current value is only {$200000.00} and they are selling between $ XXXX {$190000.00} how will I ever come from under that? I have sent comparable listings, their listings, and their appraisal that they ordered and they are still requesting that I sign into this loan. I have XXXX young children and do n't want to start over. They are putting the balance on the end of the loan as a balloon and restarting the loan on a 40 year term to make the payments affordable. But I feel that this is unjust and that a bank as big as Bank of America should not treat people this way. If I moved they would only get {$190000.00} for this property on top of have to spend between $ XXXX {$20000.00} to make it move In ready. I need help ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: I have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX Acct # : 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 non-monetary relief