milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: on XXXX a woman holding a drivers license, with my name and addresss, who 's Number that did Not match my number along with a Social Security Card, That had my name on it, But the number was not correct, went into One Main financial business office and took out a loan for XXXX. This was reported against my credit and had nothing to do with me. 
I met with the NJ district manager, XXXX XXXX, who showed me these documents and i told him that these artifacts did Not Match mine.. but yet this loan went against my credit. I am working hard to improve my credit and this is quite a blow. 
OneMain did not do their job in my eyes. They checked the name, address, place of business only. 
this is a gross injustice. to make matters worse, when i contacted the number to One Main that was provided on my credit report, they said they had no account under my name. i only found out about the theft last week when the account became delinquent. 
Please let me know if there is anything you can do to help

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech has increased my mortgage payment consecutively each year citing escrow shortage. Although my liabilities did not increase this year they have now added an additional {$75.00} to my monthly payment. My current escrow balance has {$770.00} in it. Over the course of this next 12 months my liabilities will total {$4300.00}. They collect {$360.00} each month in escrow. I will pay {$4300.00} over the next 12 months to escrow. Adding that {$4300.00} to my current balance of {$770.00} the total in escrow will equal {$5100.00}. That is way over the cushion they claim to have. This company is constantly trying to overcharge customers in fees and escrow. I would like them held accountable for their bad business practices. I would like my payment to accurately reflect the cushion they claim exists. Their cushion is listed as {$480.00}. If they were calculating correctly using this cushion and my current escrow balance, my monthly escrow charge should be only {$290.00}. Not the {$360.00} they 're currently charging. I 'm currently overpaying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Sent a certified letter on XXXX2017 to XXXX regarding validity of debt on my report. I have not heard from them. I did not receive knowledge of letter or any results. I expect all information to be removed. 

Disputed previously the spelling of my name, incorrect address and it was not removed. 

I sent 2 other letter requesting the same information from Transunion and 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 10/20/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (OH).
Issue: Settlement process and costs

Complaint: I emailed XXXX a hardship letter on XXXX/XXXX/XXXX. Received an email from XXXX XXXX, XXXX on XXXX/XXXX/XXXX stating that she would be my contact person. I told her that I was interested in the XXXX program ( Deed in Lieu ). I sent my signed Hardship affidavit on XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX I started working with XXXX XXXX - Deed in Lieu Negotiator. On XXXX/XXXX/XXXX XXXX XXXX told me that my loan was sold and I had to contact Caliber Home Loan from now on. I thought that was strange because we were about finish with my Deed in Lieu. On XXXX/XXXX/XXXX I received an agreement to sign and return. In this agreement I was told to vacate the property by XXXX/XXXX/XXXX. 
I do n't understand how XXXX can sell my loan in the middle of me doing a Deed In Lieu with them. Now I have to start the whole process over. 
CitiMortgage title attorney have been looking for liens and judgments since the end of XXXX. On yesterday Caliber Home Loan called to tell me that there was XXXX liens or judgments against my property. A XXXX XXXX tax judgment for {$130.00} and XXXX from when I refinanced in XXXX XXXX Mortgage did n't do a release of mortgage. I was told that I had to contact them to clear everything up. When contacted XXXX. They said that they did n't have any judgments on me. I did n't think so because I receive a refund every year. The XXXX Mortgage is XXXX of my previous mortgage company 's but I do n't understand how I 'm suppose to do a release of mortgage. 
I really think that they are trying to stall my deed in lieu process to avoid granting me the relocation fee of {$10000.00} as stated in my signed XXXX agreement. I moved out in XXXX like I was told to do. I did everything I was told to do. I need the relocation incentive payment to pay for overdue utility bills on the property and moving expenses. Now they are asking me to pay rent at my new location and mortgage at the old location. I cant afford all of these expenses. 
Any help in this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (Medical) with Advanced Recovery Systems, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was sued by ADVANCED RECOVERY SYSTEMS Inc representing XXXX XXXX XXXX. The lawsuit alleged a procedure was performed and in fact, the Nurse was not even licesed to perform the medical procedure that was eventually done. I was not AT their place of business and had proof that I was not there, and that they had in fact not performed a procedure for me. In fact if they HAD it would have been a XXXX felony. I won the court case and am sending in the final judgement. 
My complaint is that ADVANCED RECOVERY would not validate the debt, would not identify themselves, except through their attorneys and a post office box. They reported the debt as valid, frequently ( every ten to fourteen days ) after it was disputed and after the case had gone to trial AND after they KNEW it was a false claim. They are still reporting it. 
I asked for a validation of the debt and their attorney replied by mail. " We called our client and they say its real. '' That was the validation letter. 
Their failure to follow the law has cost my husband and myself lost work and lost credit opportunities because they failed to follow the FDCPA, in fact I 'd say they 're not even aware of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (IN).
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 SENT CREDIT BUREAU NOTARIZED AS WELL AS CERTIFIED LETTERS IN REGARD TO XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT AND I SENT IT TO THE CREDIT BUREAU AND YET THEY STILL REFUSE TO DELETE IT FROM MY FILE

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Federal student loan) with GC Services Limited Partnership (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My pay has been garnished due to defaulted student loan. Garnishment payments are still ongoing! I 'm still receiving collection/threatening calls at work and to the human resources department ; in addition to my in-laws whom I have never authorized to have this company contact them. This needs to stop immediately and I need help doing so please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Customer service / Customer relations

Complaint: We bought a mattress and springs using promotional financing from XXXX with Synchrony Financial. The mattress is a defect. The side is not sturdy on XXXX side and people roll off. and XXXX sent out an inspector but he did not spend more than XXXX minutes and did not return this product. This defect has resulted in XXXX XXXX to my family. This is unacceptable and XXXX/Synchrony needs to issue a full refund. I will not tolerate further injuries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested to receive verification of debt and have not received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Mortgage (VA mortgage) with Servis One, Inc. (CO).
Issue: Trouble during payment process

Complaint: My loan was transferred from XXXX to XXXX XXXX ( with out my being notified ) sometime around XXXX XXXX. I went to pay my payment in XXXX with XXXX and it showed my loan had been paid off. When I contacted XXXX they said it was sold to XXXX and that they had sent me a notice ( which they did not ). I then called XXXX and they said they could not find my loan. I was on the phone for over 2 hours with them trying to find my loan. They finally were able to give me a loan number and told me to pay the payment online. When I went online and made the payment I noticed they did not have my insurance information which I had given to them previously. I called back and gave them the homeowners information again. I was then sent a notice by my Home Owners Insurance Company stating my insurance was going to be cancelled due to non payment. I called XXXX XXXX again and was on hold again ... I finally spoke with a Manager XXXX XXXX and was told the check would be mailed out immediately. Today I had to pay the Home Owners Insurance myself out of my pocket as the check has still not been sent. I also went online again today and the Home Owners Insurance is still not listed. The loan was transferred without my notification and the transfer has now cost me over {$1500.00} due to my having to pay the Home Owners Insurance Policy myself. 
I received the Welcome Package on the XX/XX/XXXX ( I have included the package although it is dated the XX/XX/XXXX) ... I also received an escrow analysis from XXXX on the XX/XX/XXXX ... it is also dated the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have recently gone through a XXXX XXXX that was and still is a XXXX problem. I have limited health insurance. I have recently discovered that a local law firm that operates as a debt collector has posted multiple collections against me with every pertinent credit reporting agency. 
In 2015 a new directive was administered by the Consumer Financial Protection Bureau relating to the placement of medical collections. I have submitted a copy of this mandate where all XXXX credit bureaus have agreed to abide by the directive. At no time was I ever given notice by either the medical providers or by the collection agency/law firm that I would be posted with negative collections on credit. The directive calls for the following : A XXXX notice statement to pay the invoice directly or have medical insurance make the necessary arrangements for payment. 

A notice if such an invoice is not resolved that a negative posting on credit can happen after 180 days from notice. 

This is a federal mandate whereas I believe the firm of Overton Russell will want to avoid sanctions by this very powerful federal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Medical) with Alorica Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: They open a debt collection against me and my my credit and i have medical insurance

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called Convergent Outsourcing INC ( XXXX XXXX XXXX XXXX XXXX Wa XXXX ) about XXXX different potential negatives showing up on my XXXX report. The dates were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. When I called I was transferred to XXXX different people asking for help because nobody could pull up the information for me. The last one was ridiculously rude. All she would tell me was to call XXXX. I asked for a XXXX phone number and some sort of reference number. She said " I ca n't do anything for you CALL XXXX! '' then hung up. I had called XXXX last year when we refinanced our house and this was suppose to be taken care of and was not. XXXX apologized at the time for somebody else in their system that was clearly not me using my SS #. Now I have credit agencies that are allowed to ding my credit with NO PROOF I did anything wrong and NO PROOF they even tried to contact me to resolve it. How is this our credit rating system?? Companies can just go around reporting negatives against me with no proof, and it costs me hours of time to fix and they have no accountability to give me info to resolve it? Seriously??? Somebody needs to follow up on this Convergent Outsourcing Inc . They are terrible. The other company I found reporting potential negatives on my report was Diversified Consultants IN ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). They put information on my credit report XXXX/XXXX/XXXX. I called them and they would give me absolutely no information. Asked me for my SS # and name and phone number and said they would remove the info. So again somebody is free to just post information on my SS #? Nobody contacted me what so ever about this unpaid bill that is now lingering on my report. This is beyond ridiculous. I have a credit score in the XXXX 's and pay all my bills on time. There is no recourse for me to get back all the time I have wasted defending my credit, but these companies are free to post whatever with no proof of me doing anything wrong. We need this fixed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I need to refi, extend term, etc on my student loan to make my repayment more affordable. I am a min wage person. I did not graduate from my school XXXX XXXX but have been struggling to keep making payments which I have been doing for over six years. RBS Citizens is my lender. I have tried to contact them but have had NO RESPONSE. I can pay some just not under the current payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent Trans Union a final dispute and verification request after they verified a item on my report. I quoted some a few FCRA laws that support my dispute to no avail. I need assistance on getting the proper results which will in turn not harm my personal image any longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Open Account with XXXX XXXX XXXX for {$83.00} Original XXXX XXXX XXXX XXXX XXXX open Date XXXX 2013 last reported date XXXX XXXX XXXX Account is closed and paid in full spoke with this creditor XXXX they statedboth times Account is been closed and paid in full and was removed from all XXXX credit reporting Agencys. when I review my report I see it open and still owening

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account was removed off my credit report on XXXX XXXX, 2016 and it was put back on my credit report, I have requested to removed this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hi there, I actually completed a loan modification with IndyMac Mortgage XXXX, but shortly after my modification was approved and I started making payments, the loan was transferred over to Ocwen Loan Servicing. They did not accept the loan modification that IndyMac Mortgage XXXX has agreed on and instead raised my payment ( almost XXXX it ). I wanted to see if that was legal and if there are any options that could help me? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Application, originator, mortgage broker

Complaint: I submitted a dated written statement that described the emergency, specifically modified the waiting period from three days to two hours with my signature as the sole primary liable on the legal obligation in accordance with 12 CFR 1026.19 ( f ) ( 1 ) ( iv ) " Consumer 's waiver of waiting period before consummation '' to Navy Federal Credit Union regarding mortgage loan XXXX. Navy Federal Credit Union refused to recognize my legal right to modify the waiting period resulting in the fruition of the emergency I was trying to avoid. Their refusal to acknowledge my consumer right directly resulted in a bona fide personal financial emergency coming to fruition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I mailed several certified letters over to each credit bureau since XX/XX/2017 and every month there after. To only receive verified credit reports. Your company has pushed me to take legal actions against you due to breaking and violating my rights within The FCRA FACTA. You must take the proper protocol and take the correct steps in verifying a consumers debt. You must also get consent from the consumer in order to touch a credit file. It seems that you never attempted to contact me nor did you follow any directions. The law states if you cant verify a debt it must be removed immediately. I am distress and living miserably due to error accounts that you are reporting inaccurately. I have contact the attorney generals office, filed a lawsuit at the XXXX XXXX County Courthouse, i also filed a complaint with the FTC. You are reporting several addresses on my account inaccurately, this is the correct address XXXX XXXX XXXX XXXX FL XXXX. The accounts that are inaccurate and I am unaware of the accounts listed in the attachment below.

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 06-10-2016 about Student loan (Non-federal student loan) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I filed a complaint against this company on XXXX/XXXX/2016 regarding a forbearance request. I received a letter stating I would hear from them again in 60 days. I continued to make partial payments, all that I could afford, on my account and was told by customer service this would be enough to keep them from reporting me as delinquent on my credit. I called them today and they denied the existence of my request, and had already reported my credit as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: We have made several attempts in requesting a modification ( HAMP ) with BOA, but to no avail. I feel that I am being discriminated against as B.O.A. have made provisions for modifications for other loans and have not approved this loan. In XXXX of 2012 my wife suffered a XXXX and it has left her XXXX and we loss her income. Prior to my wife 's XXXX we were never late in XXXX years on this loan. In addition, this hardship has caused us to be at imminent risk and we are facing foreclosure on this loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 I went to the ATM machine to withdraw {$500.00} and the machine never dispensed the money but after checking my balance it showed it has been taking out. I called the bank and they said that give it one day and my account will adjust it self but that never happened so I called them and was advised I needed to file a ATM dispute and it can take up to 10 days for them to investigate it and after 2 business days I called to follow up and was told my claim was denied. I told them that nothing came out and it ca n't be denied and the rep asked if I wanted to resubmit my claim, I told her yes I do. After 10 days they told me the claim was again denied and the ATM balanced. Iam not out of {$500.00} due to there ATM machine malfunction. I need help please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation