milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2016 about Credit reporting () with Credit Karma, Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, XXXX, I did a personal credit check through Credit Karma and found out that a mortgage had been taken out in my name XX/XX/XXXX in which I was incarcerated. And have proof of. There was also a Ford vehicle was also on my credit report. Due to the date I was XXXX at the time and unable to buy a vehicle. I need to have my credit reviewed and fixed with your help Thank You.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I paid {$100.00} extra each month towards the principal on my loan, on XXXX, XXXX, XXXX and XXXX/XXXX/16. There is no prepayment penalty and I am trying to reduce the amount of interest and pay the loan off early. Instead of applying the payments to the principal each month, on XXXX/XXXX/16 the company applied {$350.00} to the XXXX payment and only {$42.00} to the principal. I also had scheduled a payment for XXXX XXXX and again on XXXX/XXXX/16. The company now says I do n't need to make another payment until XXXX/XXXX/16. This will not reduce the amount of the principal, nor will I save on the interest or pay off the mortgage early. I e-mailed the lender twice and spoke to a customer service representative on XXXX/XXXX/16, who told me she would correct the account. She did not do so and I have n't had a response to the emails. I am a co-signer on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX our house burned down. All XXXX equipment was lost in the fire. We called XXXX on XXXX XXXX, XXXX to report the loss of equipment. We were told by the customer service rep that we would receive a bill for the final amount. In XXXX XXXX, we received a statement dated XXXX XXXX, XXXX showing the charges for the service and equipment. On XXXX XXXX, XXXX we paid the balance on the account. Now, 3 years later, we are being harassed by XXXX collection agencies for a XXXX charge of {$140.00} for which they have not produced any documentation as proof that this is a valid charge. The harassment began in XXXX XXXX and has continued even though we have produced documentation showing our account paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Debt collection (Credit card) with National Check Resolution Inc. (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX called several times from an unknown number and said he was going to come to my place of work or home to serve me court papers if I did n't call NCR,XXXX I called the number got no answer the next day a block number called me saying he was XXXX XXXX from NCR. I called the number back a lady answered but only said hello no company name or anything, she seemed nervous. XXXX XXXX got on the phone and said he was trying to collect XXXX for a debt. After talking with XXXX at NCR several times he said he had no idea who this XXXX XXXX XXXX XXXX is. The XXXX time I spoke XXXX XXXX explaining to him that I spoke with the debtor and they gave me the name of the of the collection agency and it was not XXXX or National Check Resolution. I asked XXXX XXXX who they purchased my account from and he kept insisting the original debtor. I told him no, that I already spoke with them and I was waiting on the Collection Agency who they gave my account to return my call. XXXX got angry and said I had till XXXX XXXX XXXX to get back to him or the courier service would serve me! I said you told me you have no idea who the are?? He the hung up on me!

Company response to consumer: Closed
Consumer complaint received 03/14/2017 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have tried to settle by offering an amount I understand it 's fair.. these people do n't care and they do n't want to settle for other amount other than what they said..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (Federal student loan) with Utah System of Higher Education (OR).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: repeatedly calling me at XXXX XXXX regardless of me telling them to stop calling this early. Im not ignoring their calls during other times of the day. tTey never call during the day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Credit card) with Allied Interstate LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling at least 10 times a day every single day.Probably even more often. They call every hour. They used to call from the same phone number but started calling using numbers from different states : like XXXX or XXXX etc. It is the same lady calling though and the only message she leaves is " XXXX, Hello. Hello, XXXX. XXXX, heeeeloooo ''. Every. Single. Message. Does not leave her name or her company name or why she is calling. I had to call back a couple of the numbers she called from, and all said Allied Interstate collection company. I only got XXXX written communication from them on XXXX XXXX, 2016. I called them back and told them I already had a payment plan set up with credit card company itself. They ignored me and continued calling and harassing 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 non-monetary relief
Consumer complaint received 09/30/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (DE).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I purchased a home in the state of AZ. On that day I opened XXXX mortgages ( in other words ... an XXXX split ). In XX/XX/XXXX that property was foreclosed on by XXXX XXXX XXXX via Trustee Sale. Three months before foreclosing XXXX sold the smaller loan to Green Tree. The balance of this loan is considered purchase money as it originated at the same date and time as the 80 % loan ; therefore, this loan meets the requirements for protection under Arizona 's Anti-Deficiency Statutes XXXX ( A ) and XXXX ( G ) ( it was utilized as a single XXXXfamily dwelling and is located on less than XXXX acres ). I have spoken to Green Tree on MULTIPLE occasions over the past 5 years about this issue and they are still reporting that I owe the balance on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX has been sent a notorized fraud affidavit. XXXX & XXXX are also on my credit file although the 3rd party debt collectors are unable to validate the debt. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: I was having issues with my mortgage inXX/XX/XXXX. I spoke to my representative in fayservicing about a loan modification. I sent in the application and they claim that they never recieved it. I sent it 4 times and no response. My mortagage was becaming more and more behind. I was able to pay some money but they continued to return it. InXX/XX/XXXXI received a new rep. XXXX and he mentioned a Deed in Lieu. I stated to him that it would be good for me. I sent him an application and of course it was never received. I kept getting the run around with this company and their representatives for years. InXX/XX/XXXXI sent XXXX the application for a deed in lieu which I have confirmation that it was sent. He never returned by calls, I called to notify him that I was leaving the home to live with my parents because I wanted the deed of lieu to be processed as soon as possible. I was told I could get XXXX and now I ca n't because the offer expired. I continued to call with no response from noone. I was told that they needed my husband to sign a XXXX form which was not true. I was able to speak to a several rep. and was told that it was still processing. In XXXX I was told that they ordered my title. In XXXX I spoke to a very rude rep. name XXXX and he informed me that the application has expired and I had to do the process all over again. He stated that what happen in the past is the past and told me what do I want to do. He sent me the application again to my parents I filled it out and then in the same week I was given another rep. named XXXX. I spoke to him and he sent me another form. They went to my house in XXXX and lied and stated that I was still there and had not vacated the property. They told me that the electric gas and water was still on, but I had proof that it was all shut off XX/XX/XXXX XXXX received the application and I was told the deed in lieu would take 30 days. That was in XXXX. During that time they had someone delivery to me Forclosure papers. Those papers were sent to XXXX in XXXX. It is now XXXX and they sent me a form for short sale. I called onXX/XX/XXXX and stated I do n't what to do a short sale but a deed in Lieu and receive 3 to 4 thousand for turning over my keys. Fayservicing just paper  push and does nothing to help. I believe that they want to forclose on my home and not help. I have yet to talk to XXXX and I have sent emails. When I started this process late fees and everything was suppose to stop and it has not. Yet they continue to tell me that they never received this and that and when I provide proof that they received the paper work they come up with something else. This company has a class action suit against them back in XXXX. I hope that I will be able to contact someone to sue them also.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a new phone number a few months ago for a cell phone. Nationstar Mortgage XXXX which is a debt collector ) keeps calling the number up to several times a day. I have told them I just got the number, do not know the person they are seeking, and please stop calling my number. XXXX person claimed they put in the system to stop calling me. It has been two weeks or more and they are still calling me. Today A person at Nationstar asked for a woman 's name. I said I do not know who it is and please stop calling me it is harassment. He said he would remove me from the system and started to hang up. I said hold on, I have asked them a few times to do that and they never do. He said XXXX or XXXX words then hung up in mid-sentence. That was XXXX. I called back the number on caller ID and spoke to a receptionist or someone. She put me on hold came back to the phone and said she was adding a note not to call my number. XXXX the same day a woman called with XXXX caller ID displayed. I said hello. She said hello mirroring what I said and same mannerism. I said hello again and she did the same thing again sounding amused. She hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage used my escrow account to pay property taxes which were not to be escrowed. The mortgage states I am to pay the property taxes out of pocket. Now, Nationstar Mortgage is raising my monthly payment to increase the amount of the escrow account. This increase is to happen for the next two years or I can pay {$1000.00} up front costs. I believe Nationstar Mortgage should reimburse my escrow account for their error and take the loss. If this would happen, my escrow account would be in the postive.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Debt collection (Medical) with MS SERVICES LLC (WY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called me repeatedly, did not leave message. Received XXXX calls in a row, and XXXX more in the hour.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Problem with fraud alerts or security freezes

Complaint: My Siblings and Parents Companies have ' XXXX XXXX Dollars with XXXX XXXX XXXX which, In turn Pays an XXXX Representative that ' works in 'poor ' decision making.. As, I Could not. understand the Continued Fees I pay to the Credit Bureau, Bank , Creditor and Insurance Company in a Continuing Identity Theft, Fraud, and Scamming. Potentially, the Personal Theft in a Made Cause could be. Hundreds of Thousands of Dollars amongst ' all the Credit Bureaus. ( XX/XX/XXXX - XX/XX/XXXX) ( XX/XX/XXXX - XX/XX/XXXX) XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 01-08-2018 about Mortgage (Other type of mortgage) with AMERINATIONAL COMMUNITY SERVICES, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: Contacted the company on several occassions was given a email to do courtesy removal of late payment do to family illness no response. then florida was in a state of emergency with hurricane irma said the loan wouldnt be affected ( XXXX XXXX and XXXX XXXX ) for late fee penalties and negative reporting and it was for XXXX XXXX i was told to dispute it and they would fix it and its not fixed the calls are monitored and recorded for XXXX and XXXX for hurricane irma ... .. recieved a letter and the company denied me a month in a half after initial email called and left a message no call back

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 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX, I was contacted by XXXX XXXX an account manager at Midland Credit Management. According to XXXX XXXX, the Account XXXX at Midland Credit Management, this account was opened on XX/XX/XXXX. XXXX XXXX stated that {$920.00} was outstanding on this XXXX account. I spoke with XXXX 's Fraud Department and they have no record of this account or of selling this account to Midland Credit Management. XXXX XXXX XXXX an account manager at Midland Credit Management would not provide me with additional information on this account and informed me that I would need to file a police report in order to resolve this matter. I then went to my local police department and filed an identity theft report. I called Midland Credit on XX/XX/XXXX and spoke with XXXX XXXX again and he insisted that I owed {$920.00} to his company. I informed him that XXXX has no record of an account being set up in my name. I asked him who his company bought this debt from and he stated, " I can not provide you with that information. '' I asked him if his company was trying to defraud me and he said, " Would you ask a thief if he was trying to steal from you. '' XXXX XXXX then quickly hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: A charge-off / lien has been reported to my Equifax credit file by XXXX. The charge-off is associated with an address I have never occupied or been associated with. Furthermore, I lived out of state during the time period in question. I have disputed with Equifax and XXXX and they are making it nearly impossible to remove the charge-off. XXXX refuses to allow me to file a fraud complaint without personally showing up to their local offices ( which are few and far between ) with a police report and multiple forms of identification including my social security card.Although Equifax agreed that I have never been associated with the address or account in question, they will not give me any additional information or assistance. They simply tried to upsell me on additional fraud and credit monitoring products. They also claim I am not allowed to speak to a supervisor or obtain any contact information from their customer service reps. 

This charge off is preventing me from refinancing my home and has reduced my credit score by XXXX points in comparison to the other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Cable bill was obtained fraudulent do n't live at address never have I 've sent FTC affidavit with cpd report with no success

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 02/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: 1. Multiple ACH in the same month- Selene Finance has done XXXX ACH transactions for XXXX mortgage payment in one week. I have raised the issue but no solution. 
2. Shortfall in escrow- They have increased my mortgage by saying that there is a shortfall in escrow of over {$3600.00}, but have not given a reason how the shortfall occurred! I have followed up multiple times and they say that it started with a negative but they done tell me why the negative happened when the property tax did not increase and the interest payment did not increase! 
3. Incorrect reporting to credit bureaus- I was under a repayment plan and made all payments on time. I represented to the previous mortgage company XXXX XXXX XXXX who corrected the credit bureau reporting but Selene refuses to do it. 
The repayment agreement implied that we make a monthly payment that included a portion of the current payment and portion of the past due balance. From the monthly payment of {$3700.00}, {$2000.00} is accounted towards the current portion of the mortgage and {$1700.00} is accounted towards the past due balance ( para a pg XXXX of Stipulated Payment Agreement ). Therefore, we were current on all payments!!! They are reporting late so the borrower is tied to them for a longer time on high interest rates and bogus fees! 
4. please see other reviews about this company- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an Barclays Credit Card account that I used to withdraw cash. Once the statement came in I called in the customer service and asked them for the balance to pay it, I made a full payment and changed my address. After 4 months they reached me and told me that my account was past due. Upon finding out that the account was past due I made a full payment and paid it off completely. A few months later I applied for another card with Barclays and both the newly opened account and the old one were closed. I downplayed it and after a few years I applied again not knowing it is the same company-Barclays. I got denied credit and received a letter stating that I had unsatisfactory previous relationship with the. I called Barclays and explained what had happened in the past, she went over the notes and confirmed that I was right. She therefore corrected the negative reading off of my credit bureau report and reopened the account that they had closed back in 2014. A few days later after I received the old reinstated card I received another letter that they were closing my account again. I called in to get an explanation and they ignored me by saying that I had unsatisfactory relationship with them and that no further action or explanation would follow. I have the new reinstated credit card that they sent but my report still shows that I had late payments. No matter how many times I tried to call and explain they would find all types of excuses including wrong date of birth and wrong mother maiden name to not talk 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