milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2016 about Debt collection (Credit card) with Data and Contact Management Solutions, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing on behalf of my mom 's estate in regard to the very poor service with events after her passing. I called XXXX after her passing and spoke to a XXXX rep in the deceased section around XXXX/XXXX/16. I asked that the card be cancelled and the final statement be sent to us to pay. I noted our intent to pay in full at that time, even though the XXXX rep noted we were not personally obligated to pay, only the estate was. The rep noted that a statement would be sent shortly and cancelled the card. 

XXXX did not send a final statement to us until XXXX/XXXX/16, only after a follow up call to XXXX on XXXX/XXXX/16. I was upset after having received a number of debt collection calls from DMC, which XXXX uses with on closed deceased account holders. 

We subsequently learned ( XXXX XXXX - XXXX/XXXX/16 ) from XXXX that the account was written off and turned over to a collection firm ( DCM Services XXXX XXXX XXXX XXXX MN XXXX ) that XXXX uses. 

The DCM firm stared to call around XXXX/XXXX/16 leaving no messages on why they were calling. Finally DCM got thru to me on XXXX ( DCM ref # XXXX ) to explain why they were calling. I told them we had not received the proof or support of a final statement, until I had proof it we would not pay. DCM noted they would put in a request to XXXX, which did not happen. The only thing DCM sent ( XX/XX/XXXX ) was a letter asking for info on whom to contact for payment. 

I then started to get daily calls on the matter, each from different persons at DCM, each one wanted to know when we would pay up. My response was send me proof of a final statement. Finally on XX/XX/XXXX the DCM rep started to ask about my mom 's estate and her assets that could be used to settle the amount. Which was very unprofessional. I told them I was ending the call. 

I then called XXXX direct on XX/XX/XXXX the XXXX rep was very helpful and noted that XXXX did not follow thru with our initial request of XX/XX/XXXX for the final statement and they would get one out shortly. I finally received it on XX/XX/XXXX and have enclosed the final check ( # XXXX ) in the amount of {$550.00}. As I refuse to deal with DCM. Please inform DCM that the amount has been received and paid in full and they are not to call us further on the matter. 

I would like a letter from XXXX that notes receipt of the {$550.00}, no further payment is due and DCM has been advised that no further calls are to be made to us. 

I will be filing a formal complain on DCM with the CFPB and states consumer affairs departments for XXXX and XXXX where I reside on the behavior of DCM and XXXX on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: APR or interest rate

Complaint: I signed up for the promotional rate of 0 % on XXXX/XXXX/15 for 21 months and there was a 2 % charge at that time for the balance transfer. Chase is stating that I signed up for a 0.99 % rate for 7 months which I have never signed up for such a short term promotion in my life. I was not paying attention to the .99 % interest they were charging but when It jumped up to 10 % I noticed. I consider this a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Application, originator, mortgage broker

Complaint: almost XXXX years ago i paid a group called XXXX of XXXX CA, almost {$2000.00} to obtain a HARP loan they didnt get me my loan but gave the paperwork to XXXX WHO SOLD IT TO GREEN TREE LOANS WHO I HAVE THE HARP LOAN WITH NOW but during this time i aome how had a {$15000.00} adjustment add to my loan of {$90000.00} so now i owe over {$100000.00} on my house an the balance showes {$85000.00} i want to sell my house but it only appraise for {$92000.00}. i had a off er of {$90000.00} then found out about the extra {$15000.00} attached to the loan an can not get any answers from anyone about the extra {$15000.00} what do i do?? thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 02-01-2018 about Mortgage (VA mortgage) with loanDepot.com, LLC (PA).
Issue: Trouble during payment process

Complaint: My husband is XXXX XXXX XXXX Veteran. We live in the state of Pennsylvania. We are Tax Exempt from paying Property Taxes since XX/XX/XXXX. We did a refinance several years ago with a Mortgage Company and then was bought out from another Mortgage Company. We have never had any problem with the Property Taxes being exempt for us since XX/XX/XXXX. We have been trying to get this solved with them since XX/XX/XXXX. We have forwarded them letters from the County Office of XXXX Assessment and Taxes. We have forwarded them letters from the VA XXXX Veteran Real Property Tax Exemption Certification. They have increased our mortgage payment from {$1600.00} to {$2000.00} which includes the property taxes to used from their Annual Escrow Account Statement from XX/XX/XXXX. We have been in contact with this Mortgage Company every month since XX/XX/XXXX. It is now XX/XX/XXXX and has not yet been solved. We pay our mortgage payment always on time and never late. I need help immediately regarding this matter.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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 send several letters and several complaints my next letter will be to my state attorney generals office and then court. Equifax is reporting outdated information on my credit report in which i have even called and asked for them to remove and they still have refused in which these things are damaging my credit score. This is very stressful for me as it has made me denied for many things which is unacceptable. I know there are several people with the name XXXX XXXX in my area over 1,000 and i demand that Equifax comply. i have not send a dispute i am demanding for a compliance check and asked if they cant perform that i have then asked for permanent removal of the following : 1.XXXX  XXXX 2XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6.XXXX XXXX 7. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (IL).
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 opened an account with Credit Acceptance Corporation in  XXXX . A car loan. I made monthly payments on time every month until the loan was paid in full. For some reason,  Credit Acceptance  is reporting I made  1  late payment  XXXX . This is incorrect. I made payments on time every month. I then traded the car in, in  XXXX  of  XXXX . I do n't understand how they are reporting that the last payment that was made was a late payment.     It is not fair that I pay all my bills on time and  Credit Acceptance  gets to report a delusional late payment. I have disputed this problem and nothing has changed. This late payment is being reported incorrectly. I WAS NEVER LATE.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My name is XXXX XXXX, and Transunion is reporting a dismissed bankruptcy on my credit report. I received notification that the bankruptcy was removed from my credit file. After removing it, Transunion put it back on my credit report. According to the Fair Credit Reporting Act, Transunion is supposed to notify me within five business days of adding and removing anything from my credit file. Transunion has failed to do this, so I am requesting that the Bankruptcy is permanently removed from my credit file. After reviewing my Transunion credit report, I noticed that the public record does not include my name, address and either my social security number. None of this information is showing on my Transunion credit report regarding my public record, so I would like the bankruptcy to be removed. I would also like an updated credit report once this is done.

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 10/16/2017 about Debt collection (Medical debt) with Harvard Collections, LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract nor any contract with Harvard Co. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX PHYSICIAN. I am not responsible for this debt with Harvard Co. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of South Carolina to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Today it was brought to my attention that a mortgage company has been reporting to all XXXX credit companies. I 've never had a relationship with the company called Caliber Home Loans, but they have been reporting as if I do for the last year. I did previously own a property with XXXX XXXX XXXX, but as of XXXX XXXX I was discharged and cleared in the United States bankruptcy court in XXXX NC. I was discharged from XXXX XXXX XXXX and all other debts. At the time of XXXX XXXX, I gave up all rights to the property and debt and had not lived in the property since XX/XX/XXXX. So it crazy to me how a Rep at Caliber Home Loans by the name of XXXX XXXX number XXXX, told me that they acquired the loan from XXXX XXXX XXXX as of XXXX XXXX, A whole year and a half later after my BK was discharged. XXXX XXXX stated that my BK did n't discharge me from the property, all it means that they ca n't collect the monies on the property that was owed before my BK, but that they can continue to report this loan to the credit companies, and that they can collect funds on the property since the discharge of BK, but If I want to go on a payment plan, modification she could help me cause If I called another department no one can speak to me because her department is the only one that can handle my calls. I told her, I did n't need her help because I gave up the property and that the property was discharged in BK. After I stated that XXXX XXXX, became disrespectful, rude, and used foul language to me and placed me on hold without asking and never came back to the phone. I just ca n't believe that this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (WA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Collection agent called, attempted to gather information multiple times and refused to identify herself or the purpose of the call when asked multiple times. Finally gave her name and company after the third time I asked, but never informed me of the purpose of the call. When I informed her that I am aware of the requirements to identify herself, the purpose and inform me of the call being recorded she hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I am an XXXX of 11 years. I had a mortgage account through Nationstar. I applied more than 12 times to their Uniformed Borrower Assistance Program in an effort to keep my home. My home was listed for rent and rented out, however those individuals who moved in did not make any attempt to pay their debts and resulted in an eviction through the county of XXXX XXXX. During this time I applied through Nationstars program several times with multiple failed attempts. Their process was not thorough, direct or even remotely close to customer service as it should have been. I had to make dozens of attempts for communication, I did n't know where to look for the status of the application, many times I was told I was missing information when I had already submitted it to the representative either via email or through their website. 

The end result was a Died in Lieu of which closed in XX/XX/XXXX. Recently an inquiry on my credit report indicated Nationstar had reported a 120 late payment notification as of XX/XX/XXXX. This negative inquiry in my credit report resulted in a referral ineligible when applying for a new home loan. This is an inaccurate report and very inconvenient to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have previously filed complaints on this issue but the lender refuses to respond. My student loans are serviced through American education services ( AES ) but my actual lender is National Collegiate Trust ( NCT ) and they have no phone number available to the public and only a mailing address and they refuse to respond to correspondence. I am in need of a lower payment and i have begged this people at AES to assist me with my account both totaling to over XXXX $ per month and i still have other loans i pay with other companies like XXXX. My issue is with NCT who wont communicate or work with me. i am now delinquent because my payments keep increasing and i cant keep up. i would like to pay but can not due to the outrageous amount. I asked NCT to provide proof i owe them and they supplied me with a loan promissory note from a girl with a totally different name than mine, they sent me all her personal information so i can only assume they are giving my information out as well. The biggest issue is this companies buys debt and then you are unable to get in touch with the company and just told to pay whatever they say. can you help me get proof that they ( NCT ) even own my loan and if so get them to make my payment more reasonable because i cant afford this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Roach & Murtha, P.C. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: After receiving the call by a gentleman named XXXX of Roach & Murtha, PC in NY he stated he was an attorney and that he had frozen my accounts with XXXX bank as I was sued and they had won a default judgment. I mentioned to him impossible as I don`t have an account there and never received any documents to go to court. 

A few days goes by he kept calling me and I asked politely to please do not call me and send all information via mail as per law that I would need to check and go to the court and see what happened and why I did not receive anything and was unaware of any debt by the people he represented. 

Meanwhile XXXX kept on calling my work speaking to co workers and telling them about my debt and harassing them as well for more information about me. The company I work for offered their attorney to resolve and even after providing him with the information he kept harassing me and my co-workers and now even family members. 

As I try to vacate the judgement we find out that this case was already brought in another jurisdiction and the plaintiff had won the case with another attorney and this collector managed to get a second lawsuit in another jurisdiction for the same. Even after speaking with attorney and specifically told him that he was representing me in this matter he still calls and harasses me. 

I really need the help as it will cost me my job and he went nuts when I told him he had no case under res judicata and it would be vacated by the attorney. He wont stand losing his commission.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I missed a mortgage payment for XXXX 2015. Once I realized this on XXXX XXXX 2015 I sent both XX/XX/XXXX and XX/XX/XXXX mortgage payments using my XXXX account. 

US Bank has reported that I was 60 days late on my mortgage and not 30 days late as was the case. I have called several times, disputed the item with the credit bureaus, had my attorney send them letters requesting correction, had a credit repair firm dispute the item several times, and finally I have written a letter to their dispute department requesting this item to be removed. As of yet US Bank has not corrected this erroneously reported information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Nationwide Recovery Services refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX XXXX ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with CITIBANK, N.A. (ID).
Issue: Payoff process

Complaint: I paid my credit card with a money order. They did not apply the payment to my account. I sent conformation/copies from the money order company that the money order had been cashed by the credit card company. The credit card company is still not paying the {$380.00} to my 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 monetary relief