milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Credit reporting () with Resurgent Capital Services L.P. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have settled out of this account. The status of the account still states a balance and should have a XXXX balance and report as settled in full. Please update this so that lenders are provided the CORRECT and ACCURATE information that is NOT misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: I am working with an account manager, XXXX XXXX, with Fay servicing, and I have been unable to get the proper information about my modification request. The first time I applied, I was told the time had lapsed and I needed to reapply. The next time, I was told I was denied, but this was a verbal conversation, I asked XXXX XXXX if I was going to receive a letter, I was told yes. I never received any communication about the denial in writing until XX/XX/XXXX, which was approximately three weeks since that verbal conversation with XXXX XXXX. I also informed XXXX XXXX that my status had change in terms of income, and he told me they could add it later, nonetheless I was denied without requesting that I provide the additional income. However, I was sent another letter informing me to reapply for the third time for a loan mitigation assistance, which was dated XX/XX/XXXX, but postmarkedXX/XX/XXXX and I received it on XX/XX/XXXX. Attached are copies of the letters, thus the representative is extremely impotent towards me.
For that reason, I decided to work with a Hud counselor, XXXX XXXX, at Incharge Debt Solutions. On XX/XX/XXXX at XXXX, she contacted the lender on my behalf to get a clearer understanding about my loan. I was also on the call. The representative was again rude. XXXX XXXX had to tell XXXX XXXX that he was getting emotional about the questions. XXXX XXXX questioned why I was not told about the appeals process, and XXXX XXXX stated that he had never heard of the appeals process being successful. XXXX XXXX continued to interrupt him and correct him. I do not believe Fay Servicing is handling my loan appropriately. I am continuously told to reapply, and I am never receiving any written communication informing me of the status or my options except for the letter dated on XX/XX/XXXX that I received on the XX/XX/XXXX, which emphasized that we are eligible for a Fay Servicing Short Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Deposits and withdrawals

Complaint: I had a debit disputes that I lost. The agreement between XXXX XXXX ( navy federal debit disputes supervisor ) and I was that nfcu would debit my account on the first of every month for 4 months in the amount of {$290.00}. They took the money on the first the last two months but bothe times ALSO debited my account for the same amount on the XXXX. It took me 2 weeks of voicemails on the supervisors phone line in order to have it reversed. She did promptly reverse the charge from the XXXX last month. This time around I have been calling and leaving voicemails but have not heard back. This has created a negative financial situation for my family of XXXX since we were not 3xpecting to have to deal with this problem again. Because of the delay in response from the supervisor, I have had to borrow from friends and family to make it until the first. The bank supervisor is bullying me, and when I ask to speak with anyone else who has more authority, I am told that only XXXX has the notes for my particular situation. 

Please help as I can not imagine going through this again these next two months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Ad Astra is still on my credit reports. I have filed complaint after complaint with them, and i have submitted proof that this was paid in full, while one credit reporting removed it not the others.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account was paid and closed but remains on my report. Even though I requested for the items to be removed, the items remain and is damaging to my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX    XXXX ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.

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 04-12-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Attached is a copy of my Credit Score from XXXX/XXXX/2016. There is no reason underneath XXXX green earth that anyone should loose XXXX points due to they moved to a new address. This is the only change I have made to my credit account in the past 90 days. I am not sure why Equifax is deliberately ruining my credit. I do n't know why when I call these people they are still saying I have a mortgage I do n't have. I do n't understand for the life of me why they do this to me every 3 mos. I have filed this same complaint 60 days ago due to Equifax took XXXX points, 60 days ago and XXXX points yesterday. This is a total of XXXX points in 60 days. I am filing a lawsuit against everyone involved. I have filed numerous complaints with the consumer affairs, nothing is ever done. I have contacted Equifax on numerous occasion they just keep telling me I need to report some mortgage I do n't have. I am tired. This has caused me financial harm over the last year. I am done. I contact XXXX and the Federal Government. I have filed a formal complaint and a representative will be contacting me within 1 day. I am sending them over all of these complaints I have filed with this consumer affairs. I am sending over all of the documentations I have sent to Equifax. I am filing a XXXX XXXX dollar lawsuit against Equifax and everyone involved. Equifax has ruined my financial history due to the XXXX. I am XXXX XXXX. I am filing suit due to I am being racial profiled and racially harassed due to I moved and this was the only change I have made in the last 60-90 days. I am being financial ruined due to the XXXX and I am filing a lawsuit for racial discrimination and Equifax is failing to take responsibility for causing me financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My report contains information that should be deleted due to settlement with the original creditor, a third party agency refuses to remove their mark even after I proved to them that I paid the debt, according to settlement with XXXX they placed a balance for collection after I settled the debt with them then they reported the wrong open date to keep it on my report, this is a violation of FCRA

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 09-11-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2014 my mortgage company, Nationstar Mortgage LLC deducted XXXX mortgage payments from my checking account. I called them and told them I only authorized XXXX payment and to please refund XXXX payment back to me. On XXXX XXXX I was issued a check from Nationstar for {$1500.00}. I attempted to cash this check but Nationstar issued a stop payment on XXXX XXXX, 2014. I contacted them again and said since my next payment was coming due to just apply to the XXXX payment. This never happened nor do they acknowledge that the check was stopped from payment. I have been in contact with them for almost 2 years trying to resolve this issue. I was told my money was put towards principal instead of payment and that it would be corrected. My money was moved over XXXX times around my account. I am now in collections and owe over {$800.00} in late fees and still am getting the run around from their staff. I will attach a copy of the stop payment that they claim does not exist. I only want my account brought current, the fees taken away and my credit repaired as I have been paying high Intrest rates on car loans and such because of a poor credit score. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to place a complaint against SPS concerning my modification process, appeal, denial, practices, policies and procedures. For the last year in a half I have submitted XXXX modifications with SPS. Concerning some of the modifications, they have lost completely or miss placed paper work which have prolonged my modification and caused me undue burden stress and strain and resulted in me owing more on my mortgage and therefore getting further and further behind. I was instructed by sps not to make a payment until all the issues concerning my mortgage were resolved and that they would cease and desist all foreclosure activity during the modification process. SPS still continued with their foreclosure activity during my modification and request for information. I 've made several request to SPS for information concerning my mortgage, that have went unanswered and during these periods on two separate occasions, SPS has forwarded my mortgage file to an attorney to proceed with foreclosure. I filled a appeal of my denial for modification and sent in supporting evidence on why the values that they used were in correct when determining my homes value, i further explained that my home is and ADU XXXX affordable dwelling unit XXXX and it is governed by the counties rules and regulations listed in the deed. I have sent in QWR 's and have requested documents verbally which has been recorded and documented by SPS and myself specifically about my mortgage file, service file, and request for information. SPS has ignored nor answered many of the request that i have put forth. Some of the request if they were answered did answer the specific questions in the letter 's I sent. I have attached supporting documents that will provide a time line of what has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On my credit report it says that I lived in XXXX, AZ. I've never live in Arizona. I'm trying to figure out where this information came from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: EOS CCA asked for verification of my address and last XXXX of social. They said they take care of private personal matters but never disclosed this was to collect a debt. In addition when asked repeatedly what company they were calling on behalf of, they said they could not reveal that information. I said that is the law but they still refused to give the information. I said I would not be verifying anything until they mentioned the client they were calling on behalf of since I do n't know what EOS CCA is.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: My attorney and I have been working diligently with the len der ( Ocwen ) to  do a short payoff. Near the   XXXX    o f 2016, th ey agreed to $  XXXX  ... We countered at $  XXXX  because that is what our research shows as the market value for the home which is literally a knock down on the main  XXXX   lane road so on to be  XXXX . This caused them to do anothe r BPO on the property.. It has now been over 3+ months and the lender 's attorney is puzzled why his client ( Ocwen ) is now not responding at all to our negotiations. This has been the norm for this lender over the past 1+ years in tr ying to settle up with them.. Can you help me and my attorney get a response from the lender.. We have email communication from their attorney for the past agreement and we reach out weekly to their attorney with no updates.. I am trying to do the right thing and they are dragging their feet or do n't care at all. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not and have never had any debt. This company continues to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (MT).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have been on another account since XX/XX/XXXX and would like to know where this overdue amount came from. I have not had a XXXX account in my name since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My  XXXX  account was hacked I spoke with  XXXX  and the refunded what they could on their end and emailed.  Letter instructing the bank on how to retrieve my money that was stolen and my financial information was compramised and I filed a dispute with. Huntington bank in the ban k mysteriously and the copy of the email from  XXXX  and the dispute was lost I still retain my copy of both then I had to refile on a different day then I was told after checking on it that only  XXXX  dollars would be refunded even though  XXXX  were stolen and that there was only a  90day windo w from the time it was reported well they never  went 80days ba ck because I went through the bank statements with the banker in my branch and sent them a total as well as phone banking reps I feel like this decision was made with prejudice and I am being discriminated against because the process and procedures were not folles as well as being refused and hung up on once I requested to speak with a compliance  officer  and I have that right several of my rights were violated and this is not faut

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2015 about Credit card () with CITIBANK, N.A. (ID).
Issue: Delinquent account

Complaint: On XXXX XXXX 2015 I went to Macy 's in XXXX. Tried to use my credit card. Denied. Said because I had n't paid the bill. I said I have n't received any statements. Told me I had gone paperless. Did n't think so. Went home tried to pay bill online, response was " not set up for online bill pay. '' Called Macys again, said I had not gone paperless, just argued with me. I told them this was a problem on their end not mine, would n't listen, said if I paid my bills on time I would n't have this problem. Paid my bill and {$50.00} in fees and closed my acct. How can they do that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax compromised my personal identity without my permission. They did n't inform me of it for months, then wanted to charge me to protect my credit. Since there are three major credit agencies, I will get charged at all three of the agencies to freeze my credit information. I am not a customer of any of these agencies, and I do n't want to become a customer. I have a problem with paying for these agencies to protect information I do n't want them to have to begin with and information that they should be protecting as part of there business. 

I would like these agencies to freeze credit records by default and not try to extort money to protect a persons ' credit records. 

Now take this complaint and multiply by millions to get an idea about how furious all us regular people are!

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Credit Management Inc is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Midland with supporting documentation and received an unacceptable response from Midland. A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). Midland Funding is not my creditor. I have attached a copy of my credit report showing where Midland has inserted a tradeline in my credit reports. This reporting is frivolous and inaccurate. Please see pages XXXX - XXXX of the attached credit report to view the inaccurate information. Also I attached a copy of the direct dispute letter that was sent to Midland certified return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This collection company appeared on my credit from an account that i believe had to do with ID theft. I filed an FTC report and local police report and it was removed from my credit by another collection company. Seems it has been resold. Please include any signatures of mine you may have authorizing the account.

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 10-07-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (WA).
Issue: Application, originator, mortgage broker

Complaint: I gave Quicken Loans Good Faith Money in the amount of {$500.00}. I continued to shop my loan and received a better GFE from XXXX XXXX, I gave Quicken the chance to match the GFE and they could not. Since the Good Faith money is 100 % refundable I requested a refund. Quicken loans says they cant return my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company has violated the FDCPA rules in numerousity. AmSher violated federal law by making automated phone calls, and calls using an artificial or prerecorded voice, to cell phones without consent. The company has not validated any debt nor followed MA State collection guidelines. Litigation is eminent against the company under XXXX XXXX XXXX, XXXX XXXX for their acts of " Unfair Deceptive Acts and Practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: Hello, My mortgage was purchased by Loan Care LLC several months ago. I have first contacted Loan Care back on XXXX/XXXX/2017 to request my PMI be removed as I have nearly 50 % equity in the home. Since they have my home only valued at {$290000.00} they have my equity listed at % 87. After spending several hours and many calls and emails I was finally given information on how to start the process for getting an appraisal to have the PMI removed. I mailed in a check with " PMI Cancellation Request Appraisal '' in the memo as directed in their letter. Loan Care has cashed my check on XXXX/XXXX/2017 and has still not contacted me. When I call they keep passing me from department to department all with conflicting information. They inform me that the decision is up to the escrow department but they refuse to let me talk with anyone in the escrow department. It is all very frustrating as their associates are rude, uniformed and do not assist in resolving the issue. I have also paid my home insurance in full and have requested for Loan Care to remove my insurance from escrow as I have provided them with documentation proving that the insurance has been paid but I do not get any response and no one will answer my questions when I call. Currently they are collecting insurance monthly to pay insurance that I have already paid. Please help!

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