milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: This is ONGOING-especially during summer months with Green Tree LLC. They can NOT post a payment in a timely fashion. For some reason it takes LONGER usually starting in XXXX to receive and post a payment correctly. Then the arrears process begins against my account which is an ERROR on their part, but they show my account for my mortgage delinquent and then I start the complaint process against them. This has been ONGOING since XXXX XXXX XXXX XXXX XXXX dumped me in their care. The payments are made, they just do NOT process them, they clear my bank. I write checks and mail them for a paper trail, because you NEED a paper trail to prove everything with this unfortunate excuse for a servicer. They are inept, they do NOT practice general accounting principles. They charge BOGUS late fees, and my personal favorite ... the dinging of your credit so you ca n't get AWAY from the vultures. My Congressman is SICK and TIRED of me complaining to him about their inability to service a mortgage loan correctly. But NOTHING gets done, the complaints from the masses continue, the BBB told me they get NO where with them. NO one seems to be able to make them DO what they are supposed to DO.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received the copy of my credit report sent to me by your company and found that you are reporting the below accounts after I have asked for them to be removed. The below accounts are Authorize user accounts, in which I have no legal obligation to repay, however because of their balances and payment history, they are hindering and hurting my credit file and making it impossible to obtain a mortgage due to debt to income ratio and negative reporting. Once my request wasnt granted via the telephone, I then sent the request in writing in which your company told me my request was suspicious and frivolous. I dont understand why removing an account I am not responsible for is such a challenge. Please remove all authorize user accounts, they are no longer needed for credit rebuilding.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX amount is {$2500.00}. This account does not belong to me

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 03/24/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2017, last date to pay vehicle note before penalty, I received call from Wells Fargo Dealer Services. XXXX ID XXXX informed me of late fee due today. I reminded her that the XXXX day was today and no late fee should be applied. She continued with the amount of the late fee : {$100.00} ; and said that the late fee is added the XXXX day. Why should it even exist when the consumer ( me ) is paying on the XXXX day? I refused to pay her total {$450.00} that includes the said late fee, but paid the monthly {$350.00} ( {$350.00} ) over the phone. 
Each time I have had difficulty with Wells Fargo Dealership and presented my concerns to CFPB, it was resolved with justice.

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 08/25/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage through Wells Fargo i took out in XXXX and was rate modified in XXXX that has a PMI of XXXX attached to it. On there website it clearly states that when the LTV ratio hits XXXX % the PMI is dropped from my monthly payment.Also on their website, they have a tool that monitors your loan to value everytime you make a payment. I monitored my payments and in XXXX my loan to value ( LTV ) ratio hit XXXX % i contacted Wells Fargo about dropping the XXXX from my monthly payment. They said they would review the loan and notify me.Instead of lowering my payment they said my loan to value was now XXXX % and i would have to continue to pay the additional XXXX a month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (I do not know) with Jon Barry and Associates, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We are receiving calls daily from a company called, Pioneer Credit Recovery.
Their number is XXXX. I finally called them because they would not stop calling. The recorded message sounded shady so we never called the number until we finally had enough. I spoke with someone named XXXX. He asked me if the number I was calling from was this number. Then mention me by my first name, but then asked me for my name. I asked him why he did n't know my name since he knew my first name. He then said they we were listed as a possible landline number linked to a person that we have never heard of. They 're look to collect for her apparently. I told him to take us off of their call list, and if they continue I would report it to the FCC, ( not being sure which federal agency would be able to help me ).
He, ( XXXX ), then accused me of threatening him by saying that I would report his company to the authorities, FCC or now FTA. Through additional searches on the internet I found many other who have been wrongfully contacted by this company. This to me is unscrupulous and probably illegal. I do n't want to receive these calls anymore. I have no debt other than my Truck payment, which I am way ahead of. Can you please help me and the other like me?

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 10/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Under " POTENTIALLY NEGATIVE INFORMATION - PUBLIC RECORDS '' I discovered Equifax is showing a tax lien of {$2100.00} on my account since 2014. I wrote them XXXX indicating I have no liens on my home, and when I contacted the County they confirmed no liens. Further to that I have never paid a cent on any liens, and the house was sold XXXX this year with a title search. No other credit reporting agency has this info but Equifax. Please intervene and have them remove otherwise I will sue them, which I indicated to them earlier if they did n't fix it. 

Also under " POTENTIALLY NEGATIVE INFORMATION - NEGATIVE ACCOUNTS ''. They keep showing XXXX. I owe XXXX XXXX XXXX dollars as their account was paid in full. I paid XXXX dollars to XXXX to clear the account, and they themselves cleared the error. Of the XXXX reporting agencies -- - Equifax again shows this as negative on my report. They need to have it removed. 

I am very careful with my credit report, and understand how essential a role it plays in financial transactions. I take the time to pay my obligations on time. Equifax needs to take the time to ensure they investigate properly and not maintain error 's on individual reports, especially when asked repeatedly to remove. It appears the only way to send messages loud and clear is to use attorneys to sue so these " invincible '' monsters can be reduced back to credible institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX. 2015 a representative from CCS called me and just started talking and asking for information without identifying herself. She started asking for my address, phone number and other personal information. I only found out who she was by hanging up and calling the XXXX. I have no written agreements with this company, they are not licensed to do business in the State of Texas I could be giving my information to anyone. A notice came by mail for {$29.00} for ATT but I do not owe XXXX anything, and if I did, XXXX should have contacted me before they sent anything to collections. I am not going to give someone I do n't know my information, checking account or anything else. They need to stop calling me and there should be nothing placed on my credit from this odd company. When I went online to try to contact them, their weird system had no way to send an email. Just too many people coming up with collection companies buying debt. 

Now they have called XXXX times and when I pick up, they say nothing. Ridiculous.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Fed Loan Servicing My forbearance ended without my knowledge. I was not made aware PRIOR to the forbearance ending. They communicate through their internal website email, not through my personal email address. They will send a notification email ( sometimes ) to my personal email to state I have an email in their internal website email system. 
Fed Loan Servicing did not contact me through calls, emails to my personal email, nor physical mail. I asked for all communication to be electronic, but once the forbearance ended abruptly, I would think that Fed Loan Servicer would communicate with ALL other forms of communication to avoid late payments. 
Then, they reported to all three credit bureaus, that I am 90 days late as their First reporting. I have called to make payment arrangements, but they have NO tolerance or lower repayment structures for me because they state my income is " too high ''. They do not take anything else in account except the income ... .not family size, debt to income ratio, or any other circumstances. So, I still ca n't pay the loans. 
I asked for a print out of the communication that they state they made during this time-frame. They will not supply it. The communication they claim they made was all AFTER the forbearance ended abruptly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (NH).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/16 I paid my mortgage payment to BSI Financial Services through their web portal. on XXXX/XXXX/16 I called BSI ( spoke to XXXX ) because I noticed the payment was never debited from my checking account. They told me the payment was returned for insufficient funds because my checking account was closed. I informed them that my account was not closed, but agreed to call my bank. My bank confirmed that my account was still open, in good standing and BSI Financial had not attempted to debit my account. I then called BSI again and after being disconnected twice was finally able to speak to an agent named XXXX. I explained to him that BSI had never attempted to debit my account and he said it could have been an error on BSI 's part. He agree to process my mortgage payment over the phone and waive the usual {$20.00} fee. I asked if he would also waive the late fee since the error was not mine and I did attempt to make the mortgage payment on XXXX/XXXX/16. He instructed me to call back and request that the late fee be waived after my payment was processed and debited from my checking account. On XXXX XXXX, 2016 I received a letter in the mail from BSI Financial informing me that I owed a {$25.00} Non Sufficient Fund fee. Today, XXXX XXXX, 2016 I called BSI ( spoke to XXXX ) to ask them to waive the late payment fee and the {$25.00} NSF fee and was told by agent XXXX that she was not authorized to speak to me because of an active bankruptcy. I AM NOT IN AN ACTIVE BANKRUPTCY. She informed me that I would have to fax a letter of authorization giving BSI Financial permission to speak to me, which I did today. Also, please note that I have spoken to BSI Financial agents on seven other occasions since XXXX XXXX, 2016 and have never been asked to provide an authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (IL).
Issue: Deposits and withdrawals

Complaint: Regions Bank has provided inaccurate information to CRAs and XXXX in regards to my account. They are claiming I owe a balance of {$150.00} and have listed the same debt several times on the reports and to XXXX. They have not mailed a bill to my address or contacted me by phone in regards to this bill. In addition, in 2014 they swept my account for $ XXXX to satisfy a loan I had with them without my consent and now they are still saying I owe them and providing the CRAs and XXXX with this 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 non-monetary relief
Consumer complaint received 08/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX agreed to remove acct from my credit report since I paid full on XXXX/XXXX/16. Sent removal letter and equifax will not remove the acct I have put in several investigation and nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was denied credit in   XXXX   XXXX     because of a collection account being reported on my credit report. I sent letters to all  XXXX  credit reporting agencies and explained that this account from SYNCB/Amazon did not belong to me.  XXXX  and   XXXX    immediately removed the account from my credit report. I found out when I was denied credit in   XXXX   XXXX    , that   XXXX   did not remove this error from my report. I filled out  XXXX  's online form notifying them this error was still in my credit report and then I called and was told that the creditor reporting this inaccurate information did not provide any type of documentation or verification that this account belonged to me and the creditor only had to state that I was mine without any proof whatsoever. I then called SYNCB/Amazon and after being on hold fo r 30 minu tes was told they could n't find me in their system. I explained that was because I did not nor have I ever had an account with SYNCB/Amazon. She then hung up on me. I called again, explained that this is not my account and was being reported on my credit report in error and again, they hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (I do not know) with United Consumers Inc (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never answered the call, but I 've recieved an automated message saying " We have an important message from a United Consumers. This is a call from a debt collector. Please call us back at XXXX XXXX XXXX or at XXXX XXXX XXXX. I do not pay any bills as I do not have my own house or any bills addressed to me, therefore I do not have any debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (DC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have been trying to track down my student loan debt with navient once it moved from under XXXX XXXX. Due to awful communication and customer service from Navient, the debt then was moved to collections under General Revenue Corporation. They had an old address that I have not lived at for over 3 1/2 years and were sending letters to that old address which were of course not forwarded anymore. So, they started calling everyone and anyone they felt was associated with me. They had my phone number and email correct just the wrong mailing address. I find it harassing and professionally embarrassing that they were calling people who I do n't even know that they had marked as " possible associate '' on their call list. They finally called collegue over at the XXXX, at the XXXX, how mortifying! He emailed me today about it and I resolved the issue with General Revenue Corporation. I am going through my security clearance renewal and have an upstanding reputation in my XXXX community and this is just, very very unnerving. I feel that General Revenue Corporation overstepped all boundries in acceptable methods of contact, calling people I do n't even know and collegues I rarely see. My current address is easy to find online and via XXXX and public records. I went through this very long list of people that GRC had on my file as " possible contacts '' and did n't even know some of them! Creditors should not me randomly calling people who may not even know you or who may only be professional colleagues to try and contact you regarding debt. It is inappropriate and harassing behavior that can also lead to negative professional ramifications. 
I 'm happy to provide a dozen contacts as long as creditors like General Revenue Corporation do n't make up a random list on their own using whatever random methods and call professional colleagues at the XXXX. Especially when they can find my current address easily as a matter of public record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a bill that have been paid an want to no how to get off my credit Court documents XXXX, deed XXXX, XXXX XXXX court, XXXX tn,XXXX XXXX XXXX XXXX tn XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: XXXX   XXXX  applied for capital one credit line so much fraud going on and my husband hasnt heard from them worried they got his info and scammed him can you help plz

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Every year Carrington mortgage service increase my monthly payment claiming a projected tax increase which the original monthly payment escrow is more than enough to cover the taxes. The taxes has not increase either. They also increase my monthly payment because they clam that there was not enough in the escrow to cover the taxes. 
They also my it difficult to have your monthly payment applied to the account after making a payment. They applied the payment after the grace period so that they can charge a late fee even thou you have prove that the payment was made in plenty of time. I have asked them to stop calling me but they continue to call for nonsense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have an credit card account with Lowe's/Synchrony Bank. My payments were setup for standard allocation under Manage How Payments are applied. Per that description on their website : " Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration. '' My deferred payment balance was set to expire in  XXXX / XXXX /2018. I had charged many other items to the card for a remodel as a Regular Purchase. I paid off the Regular purchases by moving funds from a HELOC, yet Lowe's/Syncrhony Bank paid off the deferred interest balance leaving the Regular purchases unpaid. This would directly cause me to start accruing interest. I contacted them and the changed a partial payment and did n't seem to understand. They were not helpful. They have left me in a bind as I now will owe interest each month vs. my deferred promotional balance would have had no interest until  XXXX / XXXX /2018 and I would have paid it off by then.
<P/>
I work in a bank and this is as wrong as it comes.
<P/>   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 11-02-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i have XXXX and for some reason they are trying to charge me with an ER visit which should be cover by my insurance.

Company response to consumer: Closed with explanation