milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2016 about Consumer Loan (Installment loan) with Ballybunion Enterprises, Inc (TX).
Issue: Problems when you are unable to pay

Complaint: We purchase furniture through freedom acceptance corp, I was recently reviewing our credit report and found that we have a judgment in XXXX against us that was filed in 2011. I do n't understand how a judgement in XXXX can be filed against us when we dealt with and made the initial purchase in XXXX. Freedom Acceptance Corp also has debited our bank accounts for unauthorized payments, charged unreasonable fees to make automatic purchases, made collection calls 5-7 times per day. I asked for a written invoice several times and I have never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Auto) with FORD MOTOR CREDIT CO. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed Original Creditor : Ford Credit, approximately, {$890.00}, however, that was in 2001. 
I received a letter yesterday, attempting to Collect on this " Over '' 10year, debt.This debt doen not even appear on my XXXX Credit report. Would you please " look '' into the Validity of this Nature, please. Thank-you, sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are accounts listed that DO NOT BELONG TO ME I have disputed and they still remain XXXX XXXX # XXXX Never took an account out with this company, this is someone else 's XXXX XXXX # XXXX No balance is past due or owed, remove this mistake

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I consolidated my Federal Student Loans with XXXX in XX/XX/2016, but XXXX is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting XXXX both verbally and in writing about correcting this information. XXXX is no longer the agencies for my Student Loans, the accounts have been paid in full to XXXX, the accounts should be closed - show a XXXX balance. But they have yet to do so.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in the amount of {$250.00} began reporting on my credit report on XXXX XXXX, 2012. Despite constantly disputing this debt with Equifax, the debt still remains on my account. I have yet to receive correspondence validating the debt or a copy of the original debt with my signature. The account has been removed from my other credit reports due to lack of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Refinanced my home loan with XXXX ( owned by first guaranty mortgage ) and closed on XXXX XXXX 2016. XXXX XXXX I received a letter from Round Point Mortgage servicing Corporation saying they are my new loan servicing company and to start paying them my first payment by XXXX XXXX 2016. On XXXX XXXX I received a letter from XXXX saying they are the new mortgage servicer for my loan and I owe them my first payment on XXXX XXXX. 

As of XXXX both my online accounts for Round Point and XXXX show I owe a payment on XXXX XXXX. Since XXXX XXXX I have been communicating with XXXX and Round Point but no one can give me any kind of information or update as to when one of these accounts will actually close. XXXX says I should send my first payment to XXXX and do n't know why RoundPoint still shows I have a balance and payment due. I tried to get each company to escalate this issue internally and resolve this but they wont do anything. Please help get this resolved quickly. 

I am submitting two complaints, one for XXXX and one for Round Point Services.

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 11/21/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Sears. They refuse to provide the necessary information based on above mentioned letter ( 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 08/16/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My brother, who happens to be a XXXX in XXXX, received a call from Midland Financial LLC telling him I owed {$1500.00}, then asked for any and all addresses I may be found and finally for my ENTIRE social security number. This was followed by a court date which I could not attend because they sent the relevant documents to an address associated with my house which has been inactive for 75 years. I find this to be highly illegal and I will pay, but I want them to be restricted from these tactics in the future. 
To be completely straight-forward, my brother told me to consider them a scam and ask a more qualified attorney, who also told me to ignore them. If I had known back then who they were I probably would proceeded with legal recourse immediately, though they presented themselves in such a way as to trick me into believing they were illegitimate when in fact they restricted my ability to fix the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage started on 2008 with XXXX XXXX, after 3 months they switched me to GMAC Mortgage. Since that time my monthly payment was {$770.00} which includes tax and insurance and I have no problem with them. Approximately 2 years ago GMAC Mortgage became bankrupt and they switched me to OCWEN Mortgage now is when my problem started, they increased my monthly payment to {$840.00}. When I called them they told that I have a shortage in my escrow and I have to pay {$330.00} right now. I paid it on the same day with a {$16.00} fee but my monthly payment has n't went back to {$770.00}. Since 2008 the taxes in my area decreased and my home insurance also decrease. Why did they increase my escrow. Why did n't this problem happen with the my old mortgage. Please they have very bad customer service. I am a student and I cant afford a lawyer to speak to them and that 's my problem. I hope that you can help me and thank you so much for helping all of us.

Company response to consumer: Closed
Consumer complaint received 07-11-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Did not authorize an inquiry. Suspect attempted identity theft. XXXX, XXXX XXXX, XXXX XXXX, SD is the company that made the inquiry. Mi could not find a phone number for them.

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 04/13/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Department of U.S. of Education is reporting innacuraye negative derogatory information on my credit file with all XXXX bureaus. They have accounts listed as 120 days late thro ugh XXXX XXXX. I have contacted XXXX XXXX via telephone provided them my identifying information such as my social number and there is no RECORD OF LOANS WITH THEM. I am asking that they remove ALL LATE PAYMENTS FROM ALL XXXX CREDIT BUREAUS FILE. Also XXXX accounts have been removed from experian please remove from transunion and equifax. They are also reporting accounts opened XX/XX/XXXX and XX/XX/XXXX. Which also do not belong to me and past the 7 year reporting mark. I am requesting the DEPARTMENT remove all XXXX negative INNACCURATE deragoratory.. 120 days late..past due balances..accounts off all my credit file..MY FCRA RIGHTS HAVE BEEN VIOLATED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (RI).
Issue: Billing disputes

Complaint: Attempting, for the second time, to resolve USAA credit card disputes. ( See attached for complete list of disputed charges )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Billing disputes

Complaint: I received a credit card from Capital One XXXX ago. after the XXXX payment thebalance was supposed to increase. Lol and behold all of a sudden therere was a problem with my bank. Capital one says the bank send payment back. The bank says Capital One set it back to them. And the same thing keeps happening and the interest went up too. I was interested because I wanted to restablish my credit. I was an unsolicited offer also. I have talked to them several time about this and the fact that they ca n't add. I looked at my statement tonight and it shows a payment posted but the total available balance is not correct. And still shows I owed the payment for theXX/XX/XXXX payment which had posted. When chatting with the rep. he apparently went in and XXXX it out but then it showed XXXX due on the due date, which was already posted and payed. I hope all this is getting through, because it is moving off the page and ca n't see the part on the right side. I think this is a scam on the part of Capital One and wonder if other XXXX and over people like me are having the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017 a balance of {$920.00} from XXXX XXXX XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account Per section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy or the original creditors documentation, Whatever I filled out and signed upon opening the account with the reporting creditors.

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 01-09-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Great lakes borrowing service keeps emailing me telling me I need to pay but I dont have a job, haven't had 1 since leaving college 2 years ago, and have submitted the deference paperwork to them on their app, it's like they're purposefuly losing it so they can XXXX me more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. ().
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have been trying to get a copy of my free annual consumer report from equifax and am unable to do so because  XXXX  only has automated options there is no option to talk to a  XXXX  rep at all very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (VA mortgage) with CountryPlace Acceptance Corporation (FL).
Issue: Settlement process and costs

Complaint: I got a loan from Countryplace Mortgage. It was a construction loan to permanent loan. After the loan was converted to the permanent loan, i was due several credits. One for the adjustment of the price of my mobile home, and a credit for the improvements.
I ca n't get Country place to credit my account. I have emails from Countryplace employees confirming this, but no credits.

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 12/28/2017 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (WI).
Issue: Trouble during payment process

Complaint: Pacific Union Financial handles my account. While I have, supposedly, authorized them to make my escrow payments, they failed to notify me that said escrow was paid on XXXX/XXXX/XXXX. 

Today, XXXX/XXXX/XXXX, my wife went an made our escrow payment to the city of XXXX, WI, using our own funds. We were never notified by phone, mail, or email, that payment had been previously made. 

It will now take XXXX weeks for me to get refunded for my trouble

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Trouble during payment process

Complaint: Dear CFPB - As of XXXX/XXXX/2017 my fixed rate home loan which is being Serviced by Mr. Cooper of XXXX XXXX XXXX XXXX, XXXX TX XXXX is transferring my loan to XXXX XXXX XXXX XXXX. 

This was done without notice before the transfer and upon calling the customer service center the agent refused to offer any help and tried to push a refinance. After being told multiple times that I had no interest in refinance, the agent continued to push that option, which was unacceptable. ( Agent ID - XXXX XXXX ) Consumers should be given a choice in who is servicing their home loans, specifically, we should be able to NOT chose to do business with a company such as XXXX XXXX, especially given the fact that company has been called to testify in front of congress for illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: HAVE A MEDICAL BILL THAT WAS PAID FROM XXXX XXXX XXXX, AND THE FACILITY THAT I WAS SEEN AT IS CHARGING A HIGH AMOUNT ON MY CREDIT BECAUSE THEY WAITED TOO LONG TO BILL INSURANCE. I HAD XXXX XXXX XXXX AND THE BILL WTLL NEED TO WRITTEN OFF. IT IS WITH A COLLECTION AGENCY CALLED XXXX XXXX AND THEY ARE VERY RUDE AND IMPOSSIBLE TO DEAL WITH. THEY REFUSE TO TAKE IT OFF MY CREDIT AND IVE TRIED CALLING THE ORICIAL FACILITATOR. NO HELP THERE EITHER. I HAVE TH XXXX FROM THE ISURANCE PROVING THE PROVIDER WAS PAID.

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 11/14/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for bankruptcy XX/XX/XXXX, which my home was in foreclosure from XX/XX/XXXX to SeptXX/XX/XXXX. From the time that I filed bankruptcy until it was discharged the XXXX for the home continued to try and collect funds from me. Bank of America refused to provide documentations showing that they submitted a claim through their FHL process to recover and pay all XXXX fees from the time that the home entered into foreclosure until it sold. It miraculously sold right after I sent them a 2nd notice that my bankruptcy was finalized. They continued to keep the home in my name through the bankruptcy process and after. Instead of selling it at auction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Mortgage debt) with SUN WEST MORTGAGE COMPANY, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Date XX/XX/XXXX RE : Providing debtor with false information and theft of debtors money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Account Number Dear Sir or Ma'am : On XX/XX/XXXX, I sent you a letter disputing the debt and requested that you validate the amount owed in accord with the Fair Debt Collections Practices Act and the Rosenthal Fair Debt Collections Act. 

Your response letter dated XX/XX/XXXX ( attached ) failed to validate the debt. You claim I owe {$2700.00}, yet your own records fail to prove that. Reporting a false amount is a violation of 15 USC 1692e ( 807 ) ( 2 ) ( A ), The false representation of, the character, amount or legal status of any debt. 

For a detailed report go to XXXX On XX/XX/XXXX, you received another money order from me in the amount of {$300.00}, yet you listed it in my account as {$3.00} dollars. Another clear and unmistakable violation of 15 USC 1692e et seq. You are stealing my money. 

For a detailed report go to XXXX I herein continue my dispute of the reported amount I allegedly owe and request you properly validate the debt by furnishing me with all relevant and required documentation. 

Based on your owe records I owe {$1800.00} less any minor fees, which will be mailed out to you by priority mail. All monies received from me by XXXX XXXX has been in the form of certified funds ; Specifically ; United States Postal Money Orders Based on your own records ( attached ), you are attempting to collect additional monies that are not authorized by the agreement that created the debt. 

Specifically ; {$940.00} Per your own records ; 1. XX/XX/XXXX, was paid in full on XX/XX/XXXX. 

2. On XX/XX/XXXX, you show a disbursement of {$840.00} and {$150.00} respectively, That was the {$1000.00} you received from the creditor, Sun West wherein I had mistakenly sent it to them. The {$100.00} listed on the account was also forwarded by Sun West to you. I have emails from Sun West confirming this. 

On XX/XX/XXXX you received a payment from me in the amount of {$400.00} and another payment from me in the amount of {$300.00} on XX/XX/XXXX, despite your attempt to show it as only {$3.00} dollars. 

$ 1000+ $ 100+ $ 400+ {$300.00} = {$1800.00} As my XX/XX/XXXX payment was for {$1200.00} the XX/XX/XXXX payment was paid leaving a balance of {$580.00} to be applied toward XX/XX/XXXX payment. 

That leaves {$640.00} owed for XX/XX/XXXX. 

Which means, to clear out XX/XX/XXXX and XX/XX/XXXX payments, I need to send you {$1800.00} less any minor fees. 

The above referenced amount due ( {$1800.00} ) less any minor fees was mail to you via priority mail on Friday XX/XX/XXXX. You should get it by Monday the XX/XX/XXXX, so  no penalty can be attached to XX/XX/XXXX 's payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Equifax has been negligent in handling this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

A company that can not properly handle sensitive information should not be trusted and consumers should not be responsible for rectifying the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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 submitted information to XXXX XXXX several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to XXXX regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' they need to VALIDATE it! and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with 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 12-08-2016 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from UNITED REVENUE CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against UNITED REVENUE CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation