milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (OH).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: On XX/XX/XXXX I called Ability Recovery Services LLC and set up weekly payment arrangements with XXXX XXXX. He told me that because I responded to the debt so quickly, that it would not be reported to credit reporting agencies. I repeated this back to him to verify that the debt would not show up on my credit report. On XX/XX/XXXX this debt showed up on my credit report. I immediately called ARS and spoke to supervisor XXXX XXXX who told me that was no their policy and there was nothing he could do. He advised me that he would go back and listen to the tapes but it wo n't change anything. I pay them {$200.00} a month from a {$1300.00} a month salary to get this debt taken care of as soon as possible. My credit score dropped 4 points because of this. XXXX XXXX told me if the debt is n't paid in 30 days, they report it, which I was never told. I 'm trying to repair my credit and would have tried to make arrangements to pay in full had I known this. Not happy about the lies. Poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is account appear on my report without my understanding.    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   Account #  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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Listed on my credit report is a XXXX collection by XXXX XXXX representing XXXX XXXX Bank for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX Bank. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I was offered a Loan Modification Trial Period Plan by my mortgage company, Ditech Financial, XXXX on XXXX XXXX, 2016. Based on the offer, I had to make XXXX consecutive payments of {$1400.00}, beginning XXXX XXXX, 2016. I have consistently made each monthly payment on time beginning XXXX XXXX, 2016, and I still have not received the Modification Package. Each month with my payment, I have made a written request for information about my loan such as are other options available, is the taxes and insurance included in my payment, who is the owner of my loan, etc. I have reported an error with my account. As of the writing of this complaint, I am yet to receive answers from Ditech to my questions., nor do I have the Modification. In fact, just today, I received a call from XXXX of the persons I 've been calling only to say she is in training and still trying to find out whats going on. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received correspondence today XXXX/XXXX/2016 from Carrington Mortgage in the name of my ex-wife only. Please see attached correspondence addressed to my ex-wife labeled " Carrington Mortgage 1 ''. When I called Carrington Customer Service at XXXX XXXX XXXX XXXX to request that correspondence be mailed to me as the primary account holder, I was advised by the telephone service representative to re-finance my mortgage! I simply wanted to have correspondence addressed correctly to me. When I stated my request again, the telephone service representative spoke with the " senior specialist '' XXXX in the Indiana branch ; XXXX ID number was XXXX. The telephone service representative advised me that XXXX advised her of the same thing : for me to re-finance my mortgage! This telephone conversation occurred on XXXX/XXXX/2016. My XXXX mortgages with Carrington Mortgage were recently sold to Carrington Mortgage by XXXX XXXX XXXX, and in the approximately 10+ years that my mortgages were at XXXX XXXX XXXX , I never once received correspondence from XXXX XXXX XXXX XXXX my ex-wife 's name. I am writing this complaint to demand that Carrington Mortgage properly and legally address correspondence for my XXXX Carrington Mortgages to me as the primary account holder or be addressed in both my name as my ex-wife 's name as was done in recent correspondence by Carrington Mortgage. Please see attached document labeled " Carrington Mortgage XXXX ''. It came as a shock for my wife to see correspondence addressed to my ex-wife at my home address ; also for legal notification purposes, as the primary account holder, my name should be addressed on all correspondence from Carrington Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was leaked via the Equifax security breach, as indicated from https : //www.equifaxsecurity2017.comXXXX Likely due to the above issue, my credit card was used fraudulently on XXXX XXXX, 2017 in the amounts of {$40.00}, {$7.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: allegedIn XX/XX/XXXX I contacted Portfolio Recovery Associates ( PRA ), in regards to XXXX ( XXXX ) accounts they report to the credit reporting agencies ( CRAs ). Communications were sent certified mail and PRA accepted the three letters XX/XX/XXXX. In those communications I asked for validation ( with my signature ) that the debts belong to me, that a contract exists between myself and PRA that obligates me to them OR a contract between the creditor and PRA assigning the alleged debts to PRA. PRA responded by sending a copy of a credit card statement. I responded back on XX/XX/XXXX clarifying my request asking again for evidence that PRA has been assigned or owns this debt and that there is a contractual obligation between PRA and myself. Again a received a copy of a credit card statement. Certified letters were sent in XX/XX/XXXX and XX/XX/XXXX as well. No validation of debt bearing my signature, no evidence that I have an obligation to pay them. Upon further review of my credit files I saw that PRA was furnishing data to the CRAs that did n't even coincide with the credit card statements they had provided. Specifically, the date of first delinquencies did not match, the account was reporting as a factoring data account ( I do n't have an account with PRA ), they show terms as 1 month- again no account exists between myself and PRA XXXX the last payment amount is not provided and the last payment dates are not provided. I disputed with the CRAs asking that the inaccurate information be validated, corrected or removed. PRA again sent a copies of credit card statements and they indicated in their XXXX response that they will no longer respond to my inquiries. It seems that they are in violation of the FDCPA and the CRAs in violation of the FCRA and now no one will respond to my concerns. Then, shortly after receiving PRAs response in XXXX, I received multiple alerts from my credit monitoring service alerting me that new collections accounts had been added. PRA removed the XXXX accounts from my credit files between XX/XX/XXXX and XX/XX/XXXX and added them back within that same time frame. This was repeated again between XX/XX/XXXX and XX/XX/XXXX They have willfully and in direct violation of FDCPA and the FCRA re-aged my account. Now these accounts are falsely reported as " new '' collections and have dramatically impacted my credit score causing me significant financial & emotional burdens. I have in good faith reached out to PRA to try understand and resolve these issues and they have repeatedly chosen to ignore my specific requests, when they have responded it 's been with stall tactics that appear to be harassment, and they have retaliated to my continued communications with an unethical and illegal action of re-aging my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with GMA Investments, LLC (TN).
Issue: Other

Complaint: Company that calls itself Summit Recievables has been calling me and other family members, threatening legal action as well as fraud charges, verifying my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Billing disputes

Complaint: We have had an Exxon Mobil credit card for several years. Inasmuch as we spend winters in Arizona and our mail has to be forwarded to us, we decided to reduce the number of credit cards that we use due to some issues with mail not being forwarded. It should be noted that we have been at the billing address since XX/XX/XXXX and forwarding should not be an issue. The last use of the card was done in XXXX 2015. We paid the statement that was due on XXXX XXXX, 2015, for {$1.00}. We did not receive any further statements until XXXX 2015. We were not concerned about the lack of statements thinking that the account was paid in full. The first that we were made aware of an outstanding balance was when we were contacted by a collection agency ( letter dated XXXX XXXX ), and then we received our XX/XX/XXXX statement ( closing date XXXX XXXX ) from Exxon Mobil which by then included hundreds of dollars in late fees. 

Since receiving the notice from the collection agency, we have made multiple attempts to resolve this issue with both XXXX XXXX and XXXX XXXX XXXX as to why statements were not sent until after large fees were attached to the original purchase. It took multiple calls to even obtain the original balance. Our efforts have been hampered due to Exxon Mobil 's policies dealing with customers. Although they routinely record phone conversations, they will not allow us to do the same. Faxes that were sent with supporting documentation were not acknowledged. Certified letters with the same documentation were returned twice even though they were sent to the address they provided. 

In summary, every effort that we have made to exercise our rights to dispute the bill have been blocked by their policy to restrict the customer 's ability to have any type of permanent record of the dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Late fee

Complaint: Home Depot Credit Services, as managed by Citibank, deliberately does n't contact customers appropriately when charging them exorbitant finance charges. 

Home Depot / Citibank charged me a late fee because my payments were one day late, despite being a loyal customer who has paid off significant purchases on time. This had a cumulative effect over a few months ; even though I thought my full balance had been paid off, I was hit with almost {$1200.00} in finance fees because late fees extended the payment beyond the promotional balance period. 

As a result, Citi is claiming that I owe them {$1300.00}, which is composed entirely of their finance charge and late fees. My full balance was paid off on time, albeit a single day late. This is clear from the uploaded statements. 

What 's even more interesting about this is : ( 1 ) Home Depot / Citibank have my email address, which they use to send statements, but they never sent me an email indicating that I was being charged late fees. 

( 2 ) Home Depot / Citibank does n't offer an alerting feature, as do most other major banks, so I that I can be notified if I 'm charged a fee or interest. 

( 3 ) Home Depot / Citibank does n't indicate in the statement emails that they send every month that I 've been charged a late fee, as you can see from the copy uploaded. 

( 4 ) Home Depot / Citibank claims to have " tried multiple times to reach me, '' but when I asked why I never received a voice mail, their chat agent informed that they " do n't leave messages '' ( as you can see from the chat transcript that I uploaded ). 

( 5 ) Home Depot / Citibank clearly has my mailing address, but the first notice that I received in the mail was a letter on XXXX XXXX, 2016 ( dated XXXX XXXX ) saying that my account was in past due status. This was the first notice I had of this issue. 

I contacted them to try to reach a reasonable settlement, but they refused to offer any recognition of either the unreasonableness of the finance amount, or of their poor customer communication which is clearly meant to help them to collect finance charges and late fees. 

Given how poorly Home Depot / Citibank handles communications around this and their lack of a reasonable approach to resolving this, I believe that this is action that the CFPB should be aware of and investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Credit decision / Underwriting

Complaint: This property has been under contract since XXXX XXXX, 2016. Select Portfolio Servicing is the second lien holder. The first lien holder XXXX XXXX has approved the short sell and is granting the second lien holder {$6000.00}. 

The first lienholders short sell approval will expire on XXXX XXXX. SPS is dragging the process out and it appears that every 30 days they are asking for the same document over and over again to prolong the process. We have sent the letter of authorization at least four times and they have requested it again yesterday asking to include the listing agent 's name. Any other lender would 've asked for this to be included back in XXXX when the property went under contract. 

Can you please assist in making SPS escalate this file? As stated above the first lienholders approval will expire on XXXX XXXX, 2016. We have asked for an extension and hopefully this will be granted that the closing must take place on or before XXXX XXXX, 2016. Thank you for your assistance with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I checked my credit report on XX/XX/2016 the account status was closed bal. 
was {$0.00} XXXX dollars. payment status was collection/ charge off. remarks was charged off account fixed rate. now on XX/XX/2016 I notice that they changed the balance from {$0.00} XXXX dollars to {$130.00}. I 've sent letters to both company and credit reporting agency first letter regarding this issue XX/XX/XXXX and they have failed to explain to me how I owe this debt. when they from start of XX/XX/2016 never been able to show proof by verification of my signature to this account. it has caused my scores to drop a lot. if you can check my credit report from XX/XX/2016 and then check it on XX/XX/2016 that 's when things changed.

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 08-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XX/XX/2016., TransUnion responded to the consumer via the CFPB website. The credit reporting company promised to send copy of my credit report to the provided address within seven to ten business days. I did not receive the promised copy. Instead, I received a suspicious credit alert from another credit reporting company [ Expected ] or unexpected which is dated XX/XX/2016. I would not waste time submitting complaint against the latter because I sent copy by fax to the cfpb and the deleted information [ safety and security purpose ] is done accordingly., where ever applicable.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: XX/XX/2017. 

In view of the Equifax problem, I tried to use all the three (  XXXX, Equifax and XXXX ) sites to freeze my credit reports. I could not get any of them to work. 

They do not tell you what went wrong in the process but tell you to mail stuff in or call. 

Of course phone calls were not answered. 

It 's seems clear they are all making it nearly impossible for the normal person to freeze accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I am currently repaying a XXXX XXXX student loan of {$4000.00} ( Loan Group Number XXXX, Customer Identification Number XXXX ). I receive monthly statements from XXXX XXXX and make on-time monthly payments of {$82.00}. Recently, I have been receiving intimidating phone calls and letters from Navient regarding this student loan account. These communications threaten default actions against me for failing to make payments for the very same student loan for which I receive XXXX XXXX monthly statements and for which I continue to make monthly payments. I have spoken with Navient about this issue on more than one occasion, but they have not corrected this conflict within the billing process. As I understand it, Navient is a company that split off from XXXX XXXX in 2014 to take over XXXX XXXX 's federal loan servicing business and now handles the billing process. Apparently, some flaw in the corporate transition related to the handoff of student loan information between XXXX XXXX and Navient has created the situation I have been facing. This flawed condition in the NavientXXXX XXXX transaction must be remedied to end the Navient intimidating letters and phone calls and to prevent further unjust treatment of the victims of this flawed business transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted multiply request asking them to remove XXXX XXXX  they have 6 accounts that do n't. Belong to me Please help remove this incorrect information

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 12-06-2017 about Debt collection (Medical debt) with United Revenue Corporation (MT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is n't even mine and needs to be removed immediately. I was told via phone with original company I was not liable anymore for this as it was paid for. Please remove this for my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX sold my loan to Nationstar Mortgage XX/XX/XXXX. Everything seemed to be going well. Fast forward to XX/XX/XXXX. I paid off my loan on XX/XX/XXXX. In XX/XX/XXXX, Nationstar XXXX created and escrow account on my paid off loan for homeowners insurance that I already had for years with another agency. I sent proof of my insurance and my insurance agent faxed my insurance information to Nationstar Mortgage. XXXX XXXX in the Payoff Department then sent my payoff amount ( after cashing my check and the check clearing the bank on XX/XX/XXXX ) I contacted Nationstar Mortgage via phone. I spent two hours on hold, speaking to eight different individuals at Nationstar Mortgage. I again contacted my insurance agent, who again faxed insurance information to Nationstar Mortgage. I again spent an hour on the phone speaking to two individuals ( XXXX assuring me this issue would be resolved, XXXX in insurance department stated they received verification that I did indeed have insurance ). I sent, still again the payoff amount as quoted to me XXXX. I was assured issues would be resolved. On XX/XX/XXXX, I received payoff amount returned via express mail. I again returned the payoff amount to Nationstar Mortgage. I have never ran into this type of issue, where a loan company sets up an escrow account for insurance that I already have, on a loan that I paid off. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I had paid for the highest level product from Equifax for the protection of my identity and the most updates of my credit report. In the end I had paid hundreds and yet I have been informed I am compromised again. I find this very XXXX, I once dreamed of owning a home, now I will be lucky if a bank will issue me a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Other debt) with Allied Interstate LLC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I just received  collection notice from Allied Interstate claiming I owe an alleged debt of {$200.00}. Please produce validation. Allied is going in the direction of reporting this alleged debt to the national credit bureaus.

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