milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2016 about Mortgage (FHA mortgage) with NEW YORK COMMUNITY BANK (OH).
Issue: Loan modification,collection,foreclosure

Complaint: In 2001 XXXX XXXX authorized a subprime loan for a mortgage that was way to much for the economy, value of the home, and area.its been over 16yrs of paying this underwater mortgage after selling the loan to several other companies XXXX XXXX XXXX XXXX now New York community bank they have my home in foreclosure! I have raised my children here and now my grandchildren do n't want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (CO).
Issue: Problems when you are unable to pay

Complaint: back in XXXX of 2014 I purchased a car from XXXX XXXX. We financed our car thru FlagShip Credit Acceptance for XXXX. After about a year I decided I would take my tax return and pay the majority of the car off. I called FlagShip not only to find that they had transferred my car over to another company ( XXXX XXXX XXXX ), but my rates and payments went up. I was never informed of this until the day I called. They proceed to tell me I needed to make a payment because my monthly payments had gone up months ago. I was never aware. I went from financing the car for XXXX to having credit acceptance take over and them saying they changed the finance to XXXX. The car alone is only worth XXXX. After talking to legal aid they suggested I repo the car. I just had a baby. there was no way I could afford XXXX monthy rent, XXXX utilities, car insurances, renters insurances, car payment, and feed my family at the same time. I was only an XXXX when I bought the car and got promoted to XXXX after my daughter was born. Last week I spoke to XXXX from XXXX XXXX XXXX in XXXX, CO. He informed me everything that has happened between FlagShip and XXXX XXXX was not legal and they took advantage me. He then told me to contact you guys so I can make a complaint.

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 07/22/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I live in XXXX XXXX in XXXX, XXXX for almost five years. My lease was nearing expiration and I am a XXXX veteran and decided to relocate near my family in XXXX, XXXX. I wrote on my last money order to XXXX XXXX that I would not be re-newing my lease. When I did go to talk to the Leasing Office, they said I did not fill out the notice to vacate form. I did not know I had to fill out this form. It was in the fine print of my lease agreement but I did not notice that part. I begged and pleaded with management to not charge me for rent if my lease was up and I was actually moving. I have never been late on my rent or gave the management any issues. I was so upset when this showed up on my credit in collections. Not only did it showed up on my credit but my XXXX year old son, who is a college student. I am an XXXX veteran living on a fixed income. I can not afford to pay IQ Data Collection agency over {$2000.00} in charges and I dont think its fair that XXXX XXXX charge me this amount. My rent was only about {$1300.00} per month when I lived there. I am requesting that the company remove this debt from my son and I credit and allow us an opportunity to work this out with XXXX XXXX or walk away from this debt fully. Our lease was up in XXXX 2015 and that is when we officially moved out.

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 non-monetary relief
Consumer complaint received 06-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My name is  XXXX . I have  Federal Plus Student  Loans and the principal amount is {$140000.00}. This went into repayment as  a Consolidated Loan w ith my original loan servicer in  XXXX . I defaulted on these loans, some time there after, approximately  XXXX ,  XXXX . After much effort, I work with the   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  to rehabilitate my loans as part of their rehabilitation loan program more then two years ago. For reasons they worked with me reduced my payment based on my income. By  XXXX   XXXX  my monthly payment was $  XXXX  per month.  <P/> On  XXXX   XXXX ,  XXXX , I received a letter from  XXXX  informing me that my defaulted student loans has been sold to  American Education Services.  This is the first time I had an idea that my loan was in default. The following month, I received a notification that  XXXX   XXXX  now owns my loan, and I now have an estimated balance of {$340000.00} with interest. I was also informed that my monthly payment due  XXXX   XXXX ,  XXXX  will be {$2200.00} for the next 350 months.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an erroneous collection report from XXXX that continues to show on my credit report. I have written the collection agency about this item and they do not show an active or closed account with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they will call constant from XXXX everyday about XXXX or XXXX times .from different phone numbers. when you try to answer it hangs up. 
they have learned to go around the block and leave XXXX to XXXX messages on voice mail. even when you speak with someone they will call back. this has been on going. they will call even with the 7 day grace periord. conn 's has over done it so many times. 
the call from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After several exhausting attempts to resolve this matter, ARS account resolution is reporting debts that I do not owe. This matter is affecting me emotionally and financially. ARS account resolution has failed to validate this debt directly to me, and only verify it with the credit bureau whenever disputed. ARS account resolution have no signed agreements between me and the stated party that they claim to represent which would make me responsible for this alleged debt. This is my last attempt to resolve this matter, otherwise they leave me no choice but to seek litigation. Final attempt.

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 04/28/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have summit correct documents to experian showing accounts with XXXX had been taken care of and letters confirming this from XXXX. They refuse to correct this and keep reporting charge off and late. I have asked for a complete audit and details they have gathered in order to keep reporting false information. I have had no problems with XXXX or XXXX they have corrected all issued but experian refused to correct any incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (TX).
Issue: Managing the loan or lease

Complaint: I never missed a payment ... never late on a payment ... constantly being charged XXXX fees ... numerous returned check fees and I 've never sent them a XXXX thing by mail ... I 've never written them a check that I can recall ... paid almost {$50.00} extra a month but it never reflected on my account balance ... the last payment I am gping to make was XXXX 's payment I believe, yet somehow, I owe them for more than just XXXX ... XXXX company with some illegal XXXX scamming going on ... if I ca n't get help from the government regarding Consumer Portfolio Services, LLC, I am hiring an attorney and taking all the federal agencies that have anything to do with business practices to XXXX XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: It is due to great concern that I am filing this formal complaint against Specialized Loan Servicing LLC. Im writing to inform you that despite numerous opportunities to give me an explanation as to why my escrow has been increased, I paid it in full to them anyway with out delay. It was sent to them on XX/XX/XXXX and cleared my account XX/XX/XXXX. The shortage payment showed on my XX/XX/XXXX-XX/XX/XXXX statement. Despite making this payment they have still yet to apply it to my escrow and have been utilizing my on time payments to pay into the escrow now telling me that because my payments are not sufficient, they now are suspending them and not paying anything. You can see the details of this on my XX/XX/XXXX statement that is now showing a payment owed of {$3800.00} vs. {$1700.00} payment I have always paid. Whats even more disturbing is that the only thing that has changed is that my taxes have gone DOWN. My taxes have gone from {$3600.00} to {$2800.00}. Again, no one can explain to me why I now have the shortage. Also, doing the math they said my shortage was {$650.00} but if you add the difference of what they are charging me monthly at {$230.00} X 12= {$2800.00}! Who is doing the math over there? Im very very concerned as a consumer and concerned that they are carrying my loan. None of this makes any sense and they can not explain it to me. Despite calls to them in XX/XX/XXXX, XX/XX/XXXX and the latest XX/XX/XXXX for nearly two hours. Your help with this is truly appreciated. I have attached proof of the following : *escrow shortage check clearing *Taxes going down *Insurance staying the same *My payments being made on time *the escrow shortage request *their continued demands in their statements of charging me like the shortage has still not been paid

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 10-12-2017 about Mortgage (Other type of mortgage) with Shellpoint Partners, LLC (VA).
Issue: Struggling to pay mortgage

Complaint: I had a loan modification approved by XXXX around XXXX and before I could make my first payment, I was transferred to shellpoint, then I made a payment and they sent it back, that I had to reapply with them. so I reapplied and have been going through XXXX with this company and have sent a ton of papers there. they also never told my wife anything about foreclosure and told me I was safe that XXXX XXXX had stopped in time to finish all the paperwork. this was fraud and these people do not care and left a message for a supervisor to call and that did not happen either. I also inherited this property from my parents, that is XXXX reason I want to stay here, need help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I paid XXXX collection debts on my credit report I contacted XXXX to ask them to remove the debts that have been satisfied. they stated they do not remove paid collection debts and to contact the agency that placed the collection on my credit report.They did report the debts as paid but did not allow me to dispute to have them removed. I asked if I could dispute the claim and they said NO. I asked If I can speak with the manager to see if I can get any additional help and I was placed on hold for 10 mins. I decided to disconnect because I felt I was receiving improper treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Auto) with U.S. BANCORP (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: US BANK has a collection on my XXXX credit report stating that I owe them. I have communicated to them that this debt belongs to my ex husband and not me. I have never had the vehicle, when I went to divorce court the judge signed that this debt belong to husband. I have also communicated this information with this company. This debt 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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with (Former)Shapiro, Swertfeger & Hasty, LLP (VA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Delinquent credit Obligations - I am repeatdly denied credit due to a credit history of 'delinquent credit obligations '.   Yet, my credit report always reflect that my creditors are paid on time ...   Please provide the solution to resolve this issue ; I thank you.     Please be advised that I DO N'T KNOW .... WHO or WHY the delinquent creditors are, just not logical.

Company response to consumer: Untimely response
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (MO).
Issue: Problems when you are unable to pay

Complaint: United Auto Credit has called me multiple times within a  10  minute timeframe.   They are leavening multiple voicemail messages in the same day ; sometime s 15  minutes apart. This will happen even when I 'm onl y one d ay past due.   They are calling any people I am acquainted with and implying that I have a past due debt with them. This is harassing behavior and I need it to stop immediately. I also want to seek action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NV).
Issue: Making/receiving payments, sending money

Complaint: I have been with Navy Federal credit union for five years and paying my bills through bill pay and now they are taking a {$1.00} without even letting me no they where charging a fee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: This complaint refers to the checking account with Wells Fargo opened on XX/XX/2016. This account was opened with the understanding that it is eligible to receive {$100.00} bonus after all qualifying transactions were made ( please see scans for details ). 
As pr requirement of this bonus offer terms and conditions, all qualifying transactions were made shortly after the account was opened. As of XX/XX/2016, no bonus offer was received despite the fact that I have tried to discuss this problem with various customer service representatives including from online department. 
Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with U.S. BANCORP (CA).
Issue: Other transaction problem

Complaint: XXXX Original complaint The merchant bank XXXX XXXX has advised me that they have closed the complaint. I didnt get the funds and now the bank is stating that it went to XXXX area at XXXX. This was checked into by the bank which stated that they do not have the money. It is of great concern as this is for {$14000.00}. The bank stated that they provided the trace to your organization and that closes the case regardless if I get the funds. 

They advised me that this is now resolved per your guidelines and that I will owe the money which I never received due to their error in processing. 

This is a serious problem as I didnt get the money and they are going to hurt me and put my account in collections if I don't pay money that is due to back to me. 

I was called today and last Friday and the call today was much more aggressive stating that this is now my problem to resolve as it is out of their hands. This is not fair or honest as it was not my error it was theirs. I am reaching out to request that this be reopened and to please have a response that shows that the money was refunded or at least found. 

The company stated that the XXXX has no authority to help me the consumer in this matter. I find this not only a problem but a lie based on what it states that the agency does. How can you bill someone money that is not owed? I want to file this as fraudulent or stolen money or possibly money laundering of the institution as they are not helping me. 

I look forward to your help. The person who called me is at XXXX XXXX XXXX. They were not only rude but downright demeaning when I asked for this to be corrected. 

The {$65.00} dollars was located but the larger transaction is lost! How can this be a issue that is my problem? 

The line all of the sudden hung up on me and I am now left at the same spot where I asked for help. 

Please help me. 

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 non-monetary relief
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX, and Experian are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX , XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} XXXX XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Medical debt) with R.M. Galicia, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: file police report with XXXX police no knowledge of accounts violates my cra, hippa and my consumer rights also sent the ID theft gov to the proper companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My wife and first attempted to receive our free annual credit report via the Internet with not success. We then submitted the required request form provided by XXXX, by mail. Our request was denied for : Proof of current mailing address. We then provided a new request form with proof of current mailing address and again denied. We after words applied for credit to purchase a vehicle and was denied for credit reasons. The incident occurred with all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MS).
Issue: Struggling to pay mortgage

Complaint: My home mortgage loan was sold by XXXX XXXX company to Nationstar mortgage sometime in 2015 without my knowledge. During this time Nationstar force placed insurances on this account and increased my mortgage from approximately {$400.00} per month to almost {$900.00}. I had sent in documents showing that I had insurances and that I had never lapsed in my coverage. After calling several times and never getting the charges removed I called the Mississippi State Attorney Generals office to get help. XXXX ( XXXX ) and I worked for about a year to have the charges reduced and/or removed. They were never removed. During the course of this they would not accept partial payments even though I had been told to send my initial payment amount until the charges were removed. After a year and a half of this my credit has been ruined. I can not get refinancing because of this. Also during this ordeal, I was in a major car accident. I would like to become current and maybe get refinanced. Their phone number is XXXX. They have done several people this way. I would pay my ( approx. {$25000.00} in full ). I am trying to avoid foreclosure! XXXX also has a detailed list of the numerous phone calls to rectify my possibility of refinancing. I have approx 50 pages of correspondence to upload or fax. Again I included my AG 's number to confirm the hassles. The XXXX XXXX  representative, XXXX, can verify that we called and faxed this company to rectify the problem. Her contact number is XXXX.

Company response to consumer: Closed with explanation