milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2018 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MI).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX and I have been seeking help for loss mitigation from Flagstar bank since XX/XX/XXXX( when my husband moved out ) I spoke with an agent there and they told me since my husbands name was on the loan that he would have to fill out papers with me or have my divorce decree that states me awarded the marital home XXXX XXXX XXXX XXXX, MI XXXX. My divorce was final XX/XX/XXXX. I was awarded the home and filled out another application and faxed it XX/XX/XXXX for loss mitigation at Flagstar Bank. I called mid XXXX to check on the status and they told me they never received it. I then re-submitted the application via uploading it to their website on XX/XX/XXXX Since my loan was a FHA loan I then contacted HUD agent XXXX XXXX who then became in contact with someone at Flagstars loss mitigation center. Tuesday,XX/XX/XXXXXXXX contacted me via email stating Flagstar had once again not received my new application. She then sent me another email stating she spoke with someone at Flagstar and to send them the missing documents ( XXXX XXXX award letter and Divorce decree page 10 ) by Thursday XX/XX/XXXXit would give them time to review my case. On WedXX/XX/XXXX I uploaded the XXXX XXXX award letter as well as page 10 of my divorce decree via flagstars website ( I have attached the proof of me uploading these documents ). Late XXXX I called Flagstar and they 1told me it was too close to the for sale date to review my application. Yesterday XX/XX/XXXX I called to request a log sheet of when I have called and they told me I have to have a court order to do that. So I am coming to you for help. I purchased the home for {$82000.00} and they are selling it sheriff sale for {$45000.00}. I dont understand why they cant help me reinstate my mortgage that is currently at {$78000.00} but can sell it under me for {$45000.00}. Any help is greatly appreciated. 
Thank you for any help resolving my issue, 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 12-12-2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (CA).
Issue: Trouble during payment process

Complaint: EverBank ( recently acquired by TIAA in XXXX XXXX ) has held the servicing of my mortgage since XXXX. We bought the property in XXXX and the mortgage originated in XXXX. The property is at XXXX XXXX XXXX, XXXX XXXX, TX. 
The property was bought for my son, daughter -in-law and grandson to live in while they established in the area. A grad-daughter was born when they lived there. After Hurricane Ike in XXXX they moved back to XXXX. Although it had no damage. It then was rented for XXXX years and in XXXX I had my elderly mother move in from her 2 story townhome and has occupied the home since. 
On XXXX XXXX I got a " good-bye '' call from my mother at XXXX XXXX time stating that the home was being flooded and she was not sure if she would make it. After calling the city of XXXX XXXX to get her on the list to be rescued my son and I loaded some tools and supplies into my truck and took off for the hurricane zone. On the way on the 2 day trip, I checked the mortgage website and saw my flood ins had been paid just a couple days earlier, so I called to file a claim. Upon arrival and picking my mother up from the XXXX XXXX XXXX, I was given the news that I did not have flood insurance for several years. After setting up a trailer in the driveway and getting a contractor and services in order, I returned to XXXX and called EverBank once again and was told by XXXX in customer service that they never collected for flood so it was never paid. So what was the entry in the escrow for flood ins.? Not her problem. So I am out almost 28k for repairs and upgrades on the home to get it functioning again for my mother to move back in. And due to it not being my primary residence, FEMA sent me a denial of any assistance via email almost immediately as I completed the online application process. My XXXX year old mother who lost almost everything to huge piles in the front yard, also got FEMA denials due to my contractor was so good and poured huge resources into the home, the home was livable and almost complete by the time FEMA came out to assess. Weeks earlier sewage and water to knees, torn out cabinets, kitchen and baths, ruined carpet, non working appliances, beds, dressers, chests, pictures, memorabilia, coffee and end tables - all gone. I had to use a lot of credit cards and savings.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from Portfolio Recovery XXXX XXXX ( XXXX XXXX around the 1st week in XXXX about an debt I allegedly owed from XXXX Bank. I filled Bankruptcy in XXXX of XXXX and I am unaware if the trustee made any payments on this account so I sent XXXX a letter dated XXXX XXXX XXXX asking them to validate that they owned the debt and any documentation that would support their claim. They sent me statements from XXXX bank showing that it was my account but the final statement in XXXX of XXXX was not the amount they were trying to collect. In XXXX XXXX bank shows they credited my account {$580.00} so the amount owed should of been after credits is {$2100.00} XXXX is trying to collect the XXXX balance from XXXX of {$2700.00}. The account was charged off in XXXX of XXXX not XXXX. And this was the paperwork XXXX sent me. They have been incorrectly reporting this account for the past year. I live in XXXX and the states usury laws caps at 9 % for XXXX off Credit Card debt even at 9 % the amount owed is not {$2700.00}. 
XXXX has been reporting this amount to all 3 credit bureaus. I have disputed this account to all 3 credit bureaus and contacted my state Attorney General XXXX XXXX complaint number XXXX dated XXXX XXXX XXXX. I am asking that XXXX suspend all collection activity and delete this file from all 3 credit bureaus and we resolve this issue. I am willing to pay XXXX 9 % over the cost of the debt from the date they acquired the debt. Since they are continuing reporting the wrong amount owed on the debt. I have no other option to but to seek legal action action after this compliant if this can not be resolved. XXXX never sent me documentation that they even know the own the debt and how much they paid for the debt. I need this information as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A collection account is showing on my credit report from XXXX XXXX. I have no knowledge of this company. I have never entered into a contract with this company. In a previously filed complaint against XXXX, I have requested written proof that I owe this debt. I request he name, address and phone number of the person that verified/validated this debt. I am requesting a signed contract showing that I have entered into some kind of agreement with XXXX XXXX. I am in the process of trying to purchase a home and this collection is prohibiting me from that.

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 05-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been receiving harassing phone calls at my workplace from a XXXX XXXX at Navient. He has also threatened wage garnishment, even though Navient has no ability to garnish my wages without first sending my account to an attorney collection firm and then taking me to court and then winning a judgment, and then executing the judgment. 

I would like him to stop calling my workplace and stop making threats. I am trying to save up enough to make payments again on my loan but I do n't think I should be threatened or receive calls to my workplace. If he continues calling my workplace then I may be fired and will never be able to pay back this loan. 

My account number is XXXX. My home address is XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX. 

This account is under my previous name, XXXX XXXX. I have recently changed my name to XXXX. The balance on the account is {$38000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Since  XX/XX/XXXX  I 've been contacting  American Express S erve card regarding a dispute for {$400.00} against  XXXX   XXXX . First  XXXX  made credit arrangements with me and gave me the opportunity to a faster internet speed, that would not cause any interruption to my services and would be updated easily, only to come home one day to have no services and was advised by  XXXX  that this was totally their fault, but I would need an ONT box in order to get my services back on, this was a ploy by  XXXX  to get me to take on more services, at a higher price even though I request several times for them to cancel the order and was persistantly told that there was no way for them to do that, that the only recourse I had was to accept the ONT box, long story short it took 12 days to get this resolved. I made the {$400.00} payment on Friday and on Monday, my service had once again been interrupted and  XXXX  wanting more money. I even spoke to a supervisor from  XXXX  who said and I quote " what you want your services back on, your not getting them unless we get paid '', she was heartless she did n't care about the previous issues that  XXXX  took responsibility for, she told me if I cancel the service I had to pay the termination fee, which is now over {$1300.00}. I contacte d Amex Serve to disp ute immediately, who advised they would e-mail me a form and I could upload to their portal, which I did, when checking up on the dispute was advised nothing was recieved, they asked me to fax, which I did, once again advised nothing was recieved. Disputed again in  XX/XX/XXXX , they closed my case without a response, in  XX/XX/XXXX  I wrote them a letter and today I recieved a response that the claim is too old and they are unable to resolve.  American Express Serve pr omises their clients that this cards works with the same values as their regular card, which I believe means these charges should have been reversed, but never were. I want my {$400.00} credited to my account, I want sanctions brought against both American  Express and  XXXX  for " acting in bad faith '' and I want the termination fee that   XXXX   XXXX   is charging me to be reversed as well as any additional fees they charged me in relation to their own negligence in a bid to get more money out of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is a collection company trying to collect a debt showing it was opened on XXXX/XXXX/2015. 
The information in the Equifax report contains wrong and false information. 
Attempts to correct/delete the subject account have been made but the Equifax web site does not allow me to dispute the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion shows that I owe XXXX XXXX {$2600.00} but this account has been paid in full since XXXX/XXXX/2015

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 01/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I cancelled my service after having them a year due to the lack of service of cable always going in and out. I called there customer service department and they really did not care requested a box and sent the cable box and control back and they are still saying i owe them like XXXX. That is not true and they are ruining my credit. I have called them and they do not even get a response from them. i have as well submitted a letter and they have not even sent me a letter to acknowledge that i wrote them,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (Medical) with Account Resolution Corporation (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Incurred when still with now estranged wife. We each agree to pay half. The Account Resolution Corp agreed to let me pay my half all at once and to let my estranged wife make payments. My portion has been paid for 6 months now and it is still show I owe the full amount. This is still listed on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Medical) with Unlimited Progress Corp (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I submitted a dispute through the Credit Bureau 's and on the first contact from this agency they did not inform me of my right to dispute this debt, nor my right to request verification. They instead said " If you are one of those fortunate people to receive a tax refund, we suggest you take this opportunity to resolve your account ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Consumer Loan (Vehicle loan) with Radius Global Solutions LLC (NC).
Issue: Problems when you are unable to pay

Complaint: I am being harrassed at work where I am prohibited to receive collection calls on my job. It is from Central Credit Services by an XXXX XXXX @ XXXX He called my job Monday morning XXXX/XXXX/15 @ XXXX then again today XXXX/XXXX/15 @ XXXX -- I know he is violating the FDCPA law -- I want this company to stop calling my job where I can possibly lose my job and My son 's job also.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are numerous inquires on my report that I did n't authorize I first reached out to all of the companies listed on all XXXX credit bureaus reports after 60 days and no hearing anything I sent letters to the credit bureaus they sent letters back telling me to reach out to the companies which I already did. So I called and all XXXX bureaus did the same thing. They told me there is nothing they can do! This has been going on since XXXX XXXX. I have never applied for something and not been approved. So all the inquires on my reports are not accurate!

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
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: There are things on my credit that I have already taken care of, and they have taken some things off of one reporting agency, but not the other ones.

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 05/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Good Afternoon I have several mortgage payments with wells Fargo bank and I have requested several times that the unapplied money be applied to the principal but they do not comply with my request. I was hoping that you would be able to provide assistance to enforce my request. 

Thank you

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 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have disputed credit reporting agencies about unknown address of XXXX XXXX XXXX, XXXX, XXXX Plus also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address. Also I retired on XXXX XXXX XXXX on XXXX XXXX,2014 from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, California.XXXX.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (SC).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XXXX XXXX -- -collection agency Collecting for XXXX XXXX a charged off account Called last night XXXX XXXX XXXX, XXXX ) and would not identify where they were calling from but asked for my information. Caller said, " I will call you tomorrow. '' XXXX called today XXXX XXXX XXXX, XXXX approximately XXXX ) and asked for me by name. I verified who I am and my address when XXXX said it. 

I asked where she was calling from and what the call was in reference to. She stated the total and I asked how I would contact the company to verify this was an actual debt. She said, " You would have that information, but I have an original account number. '' I repeated the account number and let her know that I would need to contact XXXX. She again asked how I would be paying for the debt and stated the total again. Then said, " They are only going to tell you that it 's a charged off account and you need to pay the total. '' I repeated that I needed to contact them first, and XXXX said, " So, you are refusing to pay your debt? '' I said I was not refusing but wanted to verify and as she cut me off saying, " It sounds like you are refusing to pay your debt. They have sent you information on your debt and you need to pay it. '' I asked for her name and which she said for me and that I still needed to pay my bill. I tried to verify the name of the company she worked for and she hung up on me. The caller last night and XXXX, today, were aggressive, combative, insensitive, and unprofessional. In light of recent credit card scams, they should have been more professional about handling my case.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (CA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I received a call from an american debt collection agency for a credit card debt I owe in XXXX, which I am paying back quite regularly, according to my financial possibilities. This company wanted to get personal information from me over the phone, like the amounts owed. 
Somehow they were able to pull off some of the credit from XXXX, but I never received any official communication from XXXX that they would transfer the debt in XXXX to this company in USA. I then received so far three letters asking me to repay in one solution a sum that is more than XXXX USD higher than my entire original debt, and it has been more than a year that I have been paying the debt back. As I said, I am currently paying the debt in XXXX and I can prove the transactions made to the creditor company in XXXX. This self-proclaimed debt collecting company, RMS, seems to be a scam because of the grossly wrong amount they are asking me, because I never received any official written communication from XXXX about them taking charge of my debt, because they appear to be unaware of my personal information, except my phone number and home address and some old credit card statements, because their physical address is a P.O. box, and the website they report in the letters they send me did never work at all, showing a blank page with a 404 error and it seems nonexistent. Additionally, googling for their name it comes out that they appear to be a scam organization, and some other consumers reported a companys physical address being in XXXX, while the address in my letters is XXXX, OH. They seem, act and feel like scammers. What can I do to let them stop?

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 10-08-2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Customer service / Customer relations

Complaint: In XXXX of 2015 I wrote to my card company about an ongoing problem which I had originally called about on four previous occassions. I had requested the no interest financing program, yet the company continued to assess finance charges. At the end of the fiancing period I wrote a check for the full amount, less interest and sent the check along with a letter to the president of the company. 

Since then I have not received a written response to my dispute letter and the company cashed my restictively endorsed check. Since then I have called three more times requesting a written response which I still am waiting for. 

I have stopped making payments on an existing program pending their response and resolution of my dispute. However, I have begun to receive collection calls and letters.

Company response to consumer: Closed with monetary relief