milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Homeowner XXXX XXXX disputes charges that have been made to her mortgage account by the servicer of her mortgage, Nationstar. She has tried to resolve these disputes by working directly with Nationstar but Nationstar has failed to correct the problems and has failed to respond to a Notice of Error sent on her behalf. On XXXX XXXX, XXXX, our office sent a Notice of Error pursuant to XXXX to Nationstar detailing how Nationstar had erroneously overstated her escrow shortage and asking Nationstar to correct the error. Under the CFPB regulations, Nationstar had 30 days to correct this error or to respond to the Notice. Nationstar has neither corrected the error nor responded to the notice. Instead, Nationstar has taken more aggressive collection action against XXXX XXXX and is now threaten to foreclose on her home. 

Since receiving our XXXX XXXX Notice of Error, Nationstar sent a billing statement dated XXXX XXXX, XXXX, to XXXX XXXX stating that she owed {$4300.00} the loan. On XXXX XXXX, Nationstar sent XXXX XXXX another letter inexplicably stating that now owes {$9000.00}, more than double the amount it stated she owed XXXX weeks before. In this letter, Nationstar threatens not only to foreclose on the home if XXXX XXXX does not pay the entire amount by XXXX XXXX, but also to seek a deficiency judgment against her personally. Nationstar appears to have illegally padded its fees for the loan by demanding payment in the amount of {$3600.00} for " Document Transfer Stamps '' ( although XXXX XXXX has owned the home since XXXX ) and {$3000.00} for attorneys fees ( although XXXX XXXX is not in foreclosure. ) In effect, Nationstar is retaliating against XXXX XXXX for exercising her right to send it a Notice of Error under the CFPB regulations. Rather than correct its error or even respond to the Notice is it is required to do, Nationstar is instead seeking to punish XXXX XXXX by adding unwarranted charges to her account and threatening to foreclose on her home if the charges are not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I sent a U.S Postal Service Certified Mail Receipt XXXX to ERC which was received on XX/XX/XXXX. I asked ERC to verify that the debt that was placed on my XXXX   credit report under account XXXX for the amount of XXXX. In the letter it asked for them to provide me several items which they failed to do. The only thing that ERC sent was a bill that did not validate that I owe. I also did a search on the Texas Secretary of State website for ERC XXXX XXXX XXXX XXXX, FL XXXX and no results came back for this company address to collect a debt in the State of Texas. I would like for the company to provide me proof that they can collect on this debt and to provide me an agreement with ERC that authorize then to collect on this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient is XXXX of my loan servicers and I have been experiencing issues outlined in the current lawsuit against them. They took over my loan in XXXX./XX/XX/2016. They received my loan in deferment status ( going to school ) and immediately started reporting I was 6 months behind on payments. Recently I was able to get them to place the loan in deferment only to be notified the next week that my deferment would end in two to three weeks. I have had nothing but problems with them distorting facts and " playing '' with my loan essentially making it impossible for me to be on the proper repayment plan. Due to them reporting my loan being in default by 6 months has destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : DEPT OF XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed all these accounts with all three credit bureaus. 

Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these credit items several times with each bureau.

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 03-09-2016 about Debt collection (Medical) with Augusta Collection Agency, Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Augusta collection agency has been threatening to arrest me because of a past due medical bill. They stated that they would send the sheriff to my job. Under distress, I signed a payment agreement that I would pay them XXXX dollars a month and I would pay the remaining balance in XXXX if I received a tax return. I only received XXXX dollars on my Federal return and I owe the state XXXX and they are threatening to sue me if I do not let them have my tax return information.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (MI).
Issue: Managing the loan or lease

Complaint: My name is XXXX XXXX. 

I took auto loan with TOYOTA FINANCIAL SERVICES for a new TOYOTA RAV 4 from XXXX Toyota, XXXX XXXX. and never missed a single payment and always paid little more. 
I was in an accident XX/XX/XXXX and the car was a total loss. I already made payment for XX/XX/XXXX payment. My auto insurance paid XXXX XX/XX/XXXX i.e. XXXX % of the total loan value and I did file for GAP insurance claim on time for the remaining amount of XXXX My GAP insurance paid off the remaining and amount and thus my complete loan was paid off date XXXX/XXXX/XXXX. 
Today dated XX/XX/XXXX, I checked my credit report and TOYOTA FINANCIAL SERVICES reported a late payment and it dropped my credit score by XXXX points. I am under immense stress. I in need URGENT and DESPERATE help resolving the issue. 

Please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have never been to this place never was seen here and never did any type of business with this company and never will this account has been removed previously by both XXXX and the other XXXX bureaus due to multiple listings and lack of validation i would like this removed permanently furthermore they continue to call my phone and hang up and its harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Mortgage) with BAYVIEW LOAN SERVICING, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never had a mortgage with Bayview Financial. 
I have disputed this item numerous times. They said they my mortgage, however, I have n't ever had a mortgage with this company. I 've asked for documents bearing my signature. 
However, nothing has been provided to me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

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

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (KS).
Issue: Loan servicing, payments, escrow account

Complaint: I XXXX XXXX CALED WELL FARO MORE GAVE I SERVICE TO REMOVE THE PM I IN SERVICE FROM MY LOAN XXXX AND WELLS FARGO STATED TO CALL XXXX XXXX AT XXXX AND WAS GIVING A NUMBER XXXX AND XXXX XXXX STATED THAT THEY DO NOT CAREY THAT LOAN AND TO CALL WELL FARO BACK AND THE JUST TOLD ME THAT THERE RECORDS STATES THAT XXXX XXXX CARRD THE LOAN SO WHO REAL CARRY THE LOAN BECAUSE RIGHT NOW IM PAYING WELL FARGO EACH MONTH, WELL FARGO STATED TO CONTACT XXXX XXXX AND HAVE THEM PUT IN WRITING THAT THE COMPANY DO NOT CARRY THE LOAN, THEN I WAS TOLD A YEARS AND A HALF AGO THAT WHEN I MEET XXXX TO XXXX on payments RULE THAT THE PMI INSURANE WOULD DROP OFF IN LESS SOMEONE TOOK OUT ANOTHER LOAN WITH OUT ME KNOW ING IT AND ADDED MORE YEARS TO THE 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 12/30/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (KS).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Does not adhere to 15 cease and desist notifications. All I want is all communication to be in writting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (LA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: A request for validation of a debt that this company claims that I owe to them was mailed to them on XX/XX/XXXX via certified mail and was delivered and signed for by them on XX/XX/XXXX. That letter also requested that the company have NO further telephone contact with me, but that all communication be done in writing. Since that date, no information has been received from this company proving that this debt is in fact owed to them. Also, they have made 2 additional attempts to contact me by phone at which times, voicemails were left. First time was on XX/XX/XXXX and then again today, XX/XX/XXXX. I want this company to stop contacting me by phone. This account also needs to be removed from my credit report with all 3 of the credit bureaus since they have failed to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX, XXXX Acct # : XXXX Date Reported : XXXX/XXXX/2014 Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE this account was apparently transferred to another lender sometime ago, so how can current acct status be showing as late?? this is inaccurate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Medical) with Jason A. Craig & Associates (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was charged for a medical service in 2011 by XXXX XXXX XXXX XXXX without my consent. This occurred immediately after I had clearly expressed the specific services I was there to receive to his office staff and that the services must be covered by my medical insurer. I subsequently learned XXXX XXXX XXXX had used this same tactic to up-sell another patient. It is my belief a study of his practice would prove a pattern of over treating patients to increase his invoices. I have protested numerous times in certified letters to the XXXX XXXX XXXX. Now an attorney representing XXXX XXXX XXXX as a debt collector is requesting payment and the amount has increased 234 % without explanation. The original debt is fraudulent. The practice of the attorney, XXXX XXXX XXXX, is perpetuating the fraud and harassment. This is abusive, deceptive, and unfair. I have good documentation of my dispute from 2011 to present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home, paid points and fees and it dropped approximately XXXX monthly, only XXXX months later it went back up to its original amount. it was before and is now a fixed mortgage with nationstar mortgage. They gave me the most complicated reasoning for this increase.I just have to pay it the way it is for now though to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Managing the loan or lease

Complaint: I purchased a sewing machine for my wife and credit was extended by Synchrony Bank. Payments are due on the XXXX of the month beginning XX/XX/XXXX. Payments have been made between the XXXX and XXXX each month. XX/XX/XXXX, the payment was made on the XXXX because of holiday expenses. A late fee was immediately assessed for {$27.00}. The XX/XX/XXXX payment was made on the XXXX without the late fee. On XX/XX/XXXX, I received a notification from Synchrony bank " Payment Not Receved '' and that additional fees had been assessed. The normal payment is {$180.00}. They demanded immediate payment of {$240.00}. I contacted Synchrony Bank Customer Service on XX/XX/XXXX and explained the situation. I do not believe the late fees are appropriate. The customer service rep state that their policy calls for late fee assessments under the circumstances and they will not amend their policy. I advised him that I would submit the full payment requested prior to the next due date. On XX/XX/XXXX, I received a call from Synchrony Bank Debt Collection demanding immediate payment over the phone or else there would be additional fees and credit collection costs. I explained that I had already contacted their customer service and arranged to pay the total amount by the next Due Date. The caller demanded immediate payment over the phone to avoid subsequent fees. I told her they would received their payment by the next Due Date and not to bother me again. I terminated the call.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled and failed to protect my personal information, which puts me ( and millions of other people ) at risk of identity theft. This is unconscionable as Equifax is supposed to increase my ability to protect myself against these kinds of threats, and instead they exposed my critical personal information to criminals and thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: I was preapproved on XXXX XXXX, 2016 for a mortgage by Chase. It was based on the credit bureau in hand and the information I gave on the credit application data being verified as well as an appraisal being performed. I was declined on XXXX XXXX, 2016 NOT because Chase could not verify data or because of a bad appraisal but based on credit bureau information in hand 80 days before denial. I put in a complaint and I was called by " Chase XXXX '' in XXXX, OH. They could not find me in the system ...

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I went online to view my credit report for Experian and XXXX and it keeps saying every year I have to mail in stuff when I never got to see the information on report

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
Consumer complaint received 10/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have previously written to the credit agencies and to the collection agencies regarding XXXX collections that is showing up on all XXXX of my credit reports to no avail have I been able to obtain proof/verification that these belong to me. They were previously deleted and then reinserted, which I think is of fair for me. I would like to solve this issue without any further obligation. 

1. XXXX {$680.00} 2. XXXX {$330.00} 3. XXXX XXXX XXXX {$330.00}

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
Consumer complaint received 03-01-2016 about Consumer Loan (Vehicle loan) with American Finance LLC (DE).
Issue: Problems when you are unable to pay

Complaint: We were behind on payments by American Finance LLC of XXXX Delaware. We initially spoke with Rep XXXX XXXX, who told us how far we were behind. Then, we agreed to a payment arrangement to get payments caught up. We also spoke with another Rep named XXXX who also confirmed how far we were behind. Over the course of about 6 weeks, the amount they said we were behind was paid in full and we were told the account was all caught up and we were good to go. So, we resume with regularly scheduled payments on time. Then, all of a sudden, weeks later, we get a call from XXXX saying there was some type of glitch in there system and we still owed them {$530.00} and the account was still behind. We had already paid them well over {$1200.00} and now they are saying we owe them more money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Auto debt) with Westlake Services, LLC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am late paying my car note ( 5 days ). The creditor has called me 20+ times in the past 4 days. Tonight ( Sunday, XX/XX/XXXX ) they called me 3 times in a row. As soon as I hang up, they call right back.

Company response to consumer: Closed with explanation