milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I applied for a credit card with XXXX XXXX. I was denied because my address did not match what was on my credit report. Then I tried to get my credit report and could n't get it online because the security questions were n't mine. I feel I am a victim of credit fraud. What ca I do to prove I am the rightful person to use my Social security number?.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: LETTER WRITTEN TO AARGON AGENCY INC., I was previously placed in your office by XXXX XXXX. I had set up a payment plan XX/XX/XXXX, for bi-weekly payments. I called on XXXX/XXXX/XXXX at XXXX XXXX PST to have the payment for this date not withdrawn. The representative assured me that this would not be withdrawn. On XXXX/XXXX/XXXX, the payment was withdrawn. I then called again and spoke with XXXX, to have this refunded as well as all my payments. I never received a call so I assumed my refund was in place. I advised XXXX that this was an FDCPA violation if fraud on my account. Firstly, the representative lied to me ; secondly your company fraudulently withdrew the money still. Lastly, on XXXX/XXXX/XXXX I decided to see if the refund had been initiated. When I check my account an additional payment was withdrawn of {$50.00}. I spoke to XXXX again, and have been awaiting her phone call. These practices are unprofessional and I will be taking further action legally. One three different occasions FDCPA violations have taken place. I look forward to having your council contact me directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (I do not know) with Collection Management Services, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted this company via XXXX certified mail to request debt validation. The company has not responded or provided any validation. They have reported this account with all XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Nationstar Mortgage calls anywhere from 3 to 5 times a day and when I pick up the call to say hello they hang up. I have called them back with almost each and every call and told them to stop calling me and hanging up but they threaten to cut off all communications via email and mail. As they are my mortgage company I can not allow them to stop mailing me my statements or electronic correspondence. When I again tell them to stop calling me and hanging up they tell me its the automated dialer and not them personally who is doing this. When I tell them to take me off the dialer they again threaten to cease all communications. I have two months left on a repayment plan which was put in effect two months ago. Since then the calls have increased. I do not want to be harassed and I have told them this repeatedly. When I ask for a supervisor they either hang up when " transferring '' me or I get a supervisor who apologies but then continues with the threat of ceasing all communications. I am literally at my wits end hearing my phone ring and knowing they are intentionally trying to harass me over nothing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An collection was placed on my credit report for XXXX in the amount of {$940.00} by XXXX XXXX XXXX XXXX. The collection was disputed and removed by all credit agencies. Less than 2 months later, Diversified Consultants resubmitted the XXXX collection, now for a different amount of {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MS).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I was provided a modification from Ditech with arrears deferred and first payment of {$460.00} was due on XX/XX/XXXX. Ditech did not uphold their agreement of the modification and placed my account in foreclosures before payment was even due. My house was about to sell so I had to filed bankruptcy with Attorney XXXX XXXX on XX/XX/XXXX only to save my home. Ditech said I owed insurance fees back dated from XX/XX/XXXXand the Bankruptcy trustee said that they had to dismiss my case due to I will not be able to afford it. My attorney advised me to come into the office so that we could get the bankruptcy straightened out. In between me getting to his office I had an medical emergency that caused me to be hospitalized for about 10 days and My car also was repossessed due to the mishandling and misleading information. A escrow account ending in XXXX is on my account that I never received any information about or payments that was due to me. The last analysis was did on XX/XX/XXXX. A total amount of XXXX was paid out of the account to insurance on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. After looking through my payment history I see several large amounts being distributed to insurance over the years of my account starting XX/XX/XXXX. 
I filed a claim to have house fixed but claim was denied by XXXX XXXX insurance company provided by Ditech replacement insurance. They also have had my divorce decree on file since XX/XX/XXXXto update my name on file but have not did so as of yet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Application, originator, mortgage broker

Complaint: Home Equity Line of Credit was set to expire in  XXXX   XXXX  & increase payment from {$670.00} to {$1800.00} +. Requested information on a loan modification & paid {$730.00} to get started. Submitted information including tax reports. My credit scores averaged  XXXX  and I have  0 m issed payments for any accounts in the last 7 years. My concern for being approved was debt to income. When I question the BOA modification ab out DTI h e said that " we can help most everyone. '' I then asked what the ratio was for DTI he responded that he did n't know or lied about not knowing. I asked another  Modification Specialist  the same question & he said " only the underwriters know. " My income from Social Security is {$1400.00} & rental income {$1700.00}.  XXXX   XXXX   XXXX  {$2400.00} & BOA {$760.00}. The loan modification was denied on  XX/XX/XXXX  for insufficient income. After the denial I spoke with a different loan modification specialist and he was the first one who did n't lie. He said " there is nothing that can be done if the income is n't there. " The payment due on  XXXX  of {$730.00} was not made.   I spoke with a modification specialist who said I either pay the {$730.00} or it will be settled later. I was never told that if the modification was denied it would be reported to the credit bureau & my FICO score could drop over  XXXX  points even after 7 years of  XXXX  late payments.   A  XXXX  denial letter from the  XXXX   XXXX ,  XXXX   XXXX  dated  XXXX  was received.   Since the case mgr. knows that a modification is not possible he is still still is requesting information to see if I qualify by  XXXX   XXXX ,  XXXX .   I received an appraisal report on  XXXX   XXXX  & knew after researching BOA 's history, that this is the first step toward foreclosure. I am  XXXX   years old &  have lived in this house for 29 years.   Out of fear, I made payments of :  XXXX  - {$690.00},  XXXX  - {$870.00},  XXXX  {$710.00}.   Payments are up to date.   Why is BOA continuing to drag it 's modification out if no other reason other than forcing a forecosure. I have read too many reports of applicants applying for a modification with good credit, current on loan being forced into foreclosure.

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 08/16/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CO).
Issue: Managing the loan or lease

Complaint: My husband and I a loan with Synchrony bank for furniture in either XXXX or XXXX. Since then we have been paying over XXXX a month and the balance never goes down. I feel that we were misled with deceptive sales tactics and contracts. We have XXXX children and XXXX income now. How is it that we borrowed approximately XXXX three years ago, paid over XXXX a month since then and still owe 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 monetary relief
Consumer complaint received 09/13/2017 about Debt collection (Medical debt) with The Thomas Agency, Inc. (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX {$370.00} XXXX {$93.00} XXXX {$420.00} XXXX {$190.00} XXXX {$98.00} XXXX {$260.00} XXXX {$500.00} XXXX {$320.00} I have written them multiple times to get proof of debt and they have failed to send me anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Other debt) with ERC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This is a charge that XXXX XXXX charged me after I had cancelled my service and returned their cable equipment. This charge had already been disputed in 2015 and was removed from my credit report. This company XXXX XXXX XXXX ( ERC ) has posted this same charge again on my credit report twice this year. This has damaged my credit rating and I have been denied credit due to this collection status on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Wells Fargo XXXX neglects student loan Borrowers who wish to elect to make additional payments automatically to their student loans. With automatic payments, Borrowers have the ability to manage the total cost of their loan by paying more than the minimum required payment each month thus reducing total interest paid over the life of the loan. Wells Fargo does not allow Borrowers to increase the amount of their automatic payments, instead requiring Borrowers manually make additional payments each month either through manual add-on payments or through their Bill Pay service. Both options force borrowers to schedule each additional monthly payment manually. Without the ability to automatically schedule payments above the minimum required payments, Borrowers are much more likely to pay the maximum interest charges over the life of the loan unless they remember to separately make additional payments each month. This serves to minimize pre-payment risk for Wells Fargo and investors in their Student Loan asset backed securities. However, it is also a contemptuous disservice to its Borrowers, many of whom are recent college graduates working to establish prudent debt servicing plans. Borrowers should be given the option to increase automatic payments towards their Student Loans. By neglecting to provide this option, Wells Fargo is, at best, discouraging their Borrowers from managing their total interest costs or, at worst, scheming to charge their customers as much interest as possible.

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 02-04-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attended a public university and used a private student loan to pay part of my tuition. University Accounting Service, LLC ( " UAS '' ) serviced this loan. A few months ago, I consolidated this loan through XXXX to take advantage of a lower rate. When I consolidated, I overpaid UAS by {$340.00}. I emailed UAS requesting a refund and they replied that they would refund the excess amount in 60 days. After 60 days passed I followed up by email and they responded by asking me to call. When I called, they said that they do not issue refunds and that they will keep my money. I believe they are holding money that is rightfully mine. My statement reflects a negative balance. They acknowledged previously that I am entitled to a refund and I can not understand why they are refusing to give me back money that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Credit Reporting a gency has been reporting a debt collector named  XXXX    XXXX     XXXX   XXXX ,  2015 . I have made several attempts to have them verify this accout including documents to support this debt. They have failed to provide proof of debt. Please provide proof of debt. This is a violation of my consumer rights.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: bureaus all 3 will not correct inquiries online and want remove the false info

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 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Been monitoring my credit report as I came across to see all my credit inquiry 's were removed and put back on

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 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from EOS CCA # XXXX. I had previously disputed this account. I have never done business with EOS CCA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt EOS CCA purport I owe. I no longer wish to receive phone calls from this company for any reasons. 
I request that EOS CCA Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX I contacted the Consumer Financial Protection bureau concerning the problems I had experienced trying to qualify for the HARP program thur GreenTree my mortgage servicer. ( exhibit XXXX & XXXX ) For over 6 months I provided all the paperwork requested in order to modify my XXXX loan. I was denied because I could not prove a hardship ( exhibit XXXX ) and was instructed to try again where I supplied a hardship letter on XXXX XXXX, XXXX ( exhibit XXXX ). On XXXX XXXX GreeTree pulled my credit ( exhibit XXXX ), and was then denied because I had a perfect payment history on my mortgage with them and to qualify for HAMP you need to be delinquent on your mortgage ( exhibit XXXX ). I knew I was not dealing with brain surgeons but since GreenTree was/is the servicer of my loan and had the mortgage history they would see that there were no late payments. Why would you waste over 6 months of paperwork, phone calls not to mention playing with people 's finances and emotions when they KNEW I did not qualify? They then suggested the HAPR program but the rate and fees they quoted were higher than I felt they should be. I entered into a HAPR application with Prospect Mortgage, XXXX XXXX, ( XXXX ) and was hopeful that I would be able to finally reduce my rate and be done with GreeTree. To my surprise and disappointment GreenTree who denied me a HAMP modification because I had a perfect payment history was now reporting that I was 30 days late in XXXX, XXXX ( exhibit XXXX ). When I became aware of this I immediately contacted GreenTree and they said that I had no late payments and proved me a credit reference Inquiry on XXXX XXXX, XXXX ( exhibitXXXX ). I also requested a balance be reported and was sent response dated XXXX XXXX, XXXX ( exhibit XXXX ). My attorney prepared a response ( exhibit XXXX ) but per letter XXXX XXXX, XXXX ( exhibit XXXX ) GreenTree refuses to report said balance. However, GreenTree had no problem to continue to report false information ( lates ) on credit report dated XXXX XXXX, XXXX ( exhibit XXXX ) which is 6 weeks after they provided me information matching my records that there has never been a late mortgage payment. Over the next 5 months GreenTree provided XXXX documents confirming NO late payments ( exhibit XXXX ) yet on XXXX XXXX, XXXX GreenTree reported that I was delinquent in XXXX XXXX ( exhibit XXXX ) and the same false information was reported on XXXX XXXX, XXXX ( exhibit XXXX ). 
GreenTree 's deliberate negligent actions are preventing me from refinancing a XXXX loan at 6.125 % rate to a much lower prevailing rate which would enable me to continue to live in my home without worry.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MN).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX, 2017 I applied for a credit card through Wells Fargo. My application decision was initially delayed. I eventually received a credit decision by calling the automated application status line and was approved. This decision was made within 48 hours of my application.
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On XXXX XXXX, I noticed through Wells Fargo 's online portal that my new credit account had been closed without prior notification. On XXXX XXXX, I sent a message through the online portal inquiring why my account was marked as closed and was told to call and speak in person with a representative.
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On XXXX XXXX, I called and spoke with one customer service representative to learn more about the situation. Through this interaction, I learned that Wells Fargo 's " executive fraud department '' had flagged my account and closed it. I was then told to wait for a letter in the mail detailing the reason for this closure.
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On XXXX XXXX, I called Wells Fargo again to inquire more about the situation and see how it would be reported to the credit bureaus. I was told that if I still wanted the credit account, I would need to fully apply again. I was also told that this account would still be reported to the credit bureaus as opened for one month, despite the fact that I never used the account and had never even received the card for the 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 explanation
Consumer complaint received 07/24/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received nothing in writing for this debt whatsoever or even knew they were going to damage my credit. On top of that ive had this debt removed from my credit report 3 or more times and they keep popping back up under a different collection agency which is illegal. Once i win a dispute its supposed to never pop up on my credit again

Company response to consumer: Closed with explanation