milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2015 about Mortgage (Other mortgage) with Stearns Ventures, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is with XXXX i just got it XXXX months ago and they used an assumption to set my escrow based on what they thought my property taxes would be. Well they thought they would be {$1900.00} a year roughly and they are actually {$8.00} big difference. I have emailed and called XXXX times over the last XXXX months to get a refund for overpayment and get my escrow payment adjusted as i should not have to be overpaying it and them keeping my money. I keep getting told it will be handled and no one ever handles it. i call back and they submit a new request and still nothing. I am yet to get an email or a call back or a letter about adjusting my escrow payment and getting me a refund for the over payment I have made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Between XXXX XXXX, XXXX and XXXX XXXX, XXXX a collection agency reported a debt to the credit bureaus. This collection agency Commonwealth Financial Systems is not licensed to collect in the the state of Florida. Also, their licensed in PA has been revoked/voided.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit reporting () with Credit Plus Inc (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. The company has not replied nor provided supporting documentation to validate the inquiry or removed the inquiry. 
Therefore, I am seeking your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Great Lakes provided false and/or misleading information in regards to my school closure. I was a student at XXXX/XXXX in the past. I earned an XXXX in XXXX XXXX and XXXX via distance courses from XXXX, FL. Since graduation I have not been able to use my degree since graduation. I received an email from the Dept. of Education about the closure and possible loan discharge qualifications. When I contacted Great Lakes to inquire about the details and possible fraud I was given the wrong information and paperwork to submit for loan forgiveness or loan discharge for my situation. I needed a Borrower 's Defense Application or Attestation Form and I got a school closure form instead. I was also informed that I needed to get the discharge approved by the loan servicer BEFORE I would be allowed to submit it to the Dept. of Education. I was denied for the wrong application by Great Lakes over a year ago and have been paying what I can afford on my loans since. I feel I was intentionally misinformed in order to retain the loan and the profit from the interest. Which they then capitalized the interest that accrued while my loan was in forbearance waiting for the decision to be made which was never theirs to begin with and added another few thousand dollars! I can not even afford this loan since I have never been able to obtain employment in my field of study and can not transfer the credits into any reputable college in my area. Job placement and the growth rate as well as the student services that were to be provided after graduation was a lie! I never gained anything except this debt and now have been manipulated once again to hold me to the promissory note when I qualify for forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In roughly XXXX I was having problems making the increased payment amount of my private student loan serviced by American Education Services. I contacted them on multiple occassions to request assistance to modify my loan so that I could manage the payment. I was repeatedly told I had exhausted all options. So even though I was making payments, I was not making the " increased payment '' and would get charged late fees. At this point I accrued about {$800.00} is late charges even though I was consistent on my payments. 
I contacted a debt counseling services in late XXXX. They have been making payments to American Education Services since XXXX/XXXX/XXXX. The payment is paid automatically at the same time each month. I have personally managed to pay off the late charges and bring my account current. I made that payment in XXXX of this year. So I was feeling confident, and getting things handled. 
American Education Services has STILL emailed/called me in XXXX of this year saying that my payment has not been received. I emailed them the check number and date it cleared thier account. Now again for my XXXX payment, they email me AGAIN to tell me this check has not been received. So AGAIN I contact the debt consolidation company and they provide me the the check number and the date it cleared the American Education Services bank. So American Education Services is infact recieveing my payments and not applying them correctly. Two months in a row. 
Today XXXX/XXXX/XXXX, after I have already emailed them with the check information AND a list showing ALL payments made since XXXX - they now want front and back copies of the check they say they do not have- but that cleared thier bank account. 
They have been getting these payments from the same source since XXXX and now all of the sudden, since I managed to pay off the late fees they say I accrued, I am yet late AGAIN?? 
How many months during the last almost 2 years have they been " misplacing '' my payments and charging me these late fees, and then telling me they can not help me or offer me any alternatives even when I have been consistent on my payments? I sense very unethical business practices. Nothing new with the payments has occured, but now I am late - yet again - at least until they " find '' my payment, that they already have. 
I would like an investigation into this matter and any assitance you can provide. Perhaps being able to change lenders? Are there any new reform acts for students loans that I qualify for? I am TRYING to pay my debts. I am not asking that they be wiped out, but I think I am the victim of very unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Consumer Loan (Title loan) with Ditech Financial LLC (CT).
Issue: Payment to acct not credited

Complaint: Long story, short ; I originally took out loan from XXXX XXXX XXXX. Secured by auto title. Original loan for around $ XXXX. Made ALL payments on-time. With around $ XXXX left on loan balance received a letter from Green Tree Servicing that they now owned loan. Agreed to continue payments as long as they sent proof they actually had loan. Could not contact anyone from XXXX XXXX XXXX to verify. Made a few more payments but never received any proof of loan by Green Tree. Stop payments. They started harassment campaign. I sent Cease & Desist notification. The reported my loan as " charged off '' and farmed off loan to XXXX XXXX XXXX and they immediately sent proof of loan and paid {$950.00} to resolve matter and they reported as paid in full to all credit reporting service. And sent me back car title. Green Tree still reports loan as a " charge off '' and has reeled havoc on my credit report. Can not close kids college loans because of it. Hired a lawyer to try and resolve with no luck. All of this over a very small amount of money. Craziest thing I have ever dealt with. Even sent them letter I 'd pay whatever they want to just make it go away. They said NO! I 'm 100 % in right from start to finish on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving repeated phone calls from a company called FBCS Inc. who is calling me from XXXX different phone numbers who have been calling me repeatedly. I have received and have record of XXXX calls since XXXX XXXX, 2016. I have answered the calls and no-one is there and the phone hangs up. I have called back and the recording identifies the caller as FBCS Inc. which is some kind of debt collector. I do not have any debt and feel these calls are harassing as they are calling my business phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Payday loan () with Delbert Services (VA).
Issue: Payment to acct not credited

Complaint: I just received a call from XXXX XXXX starting I owe an outstanding balance of {$1400.00} from a payday taken from western sky back XX/XX/XXXX, I advised them I have been making payments to Delbert Services for a settlement that was agreed upon in regards to this loan. They told me the loan id is not the same and it XXXX be a different loan. XX/XX/XXXX I was advised this loan was sold to XXXX XXXX ID XXXX from Western Sky and I made two payments on XX/XX/XXXX cash call sent this to Delbert Services ID XXXX and they have been debiting my account for almost a year to satisfy a settlement reach with employer XXXX XXXX. Now XXXX XXXX also known as XXXX XXXX XXXX is trying to collect. Both Western Sky and Delbert services is gone out of business and I can not contact them due to legal issues and the supervisor at XXXX tells me they sold the loan to XXXX and I advised them apparently the wrong acct number was sold and they trying to collect on an incorrect balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1. XXXX Consumer Dept - XXXX XXXX and several other agents that worked in the consumer department gave me a difficult time, hung up in face several times, provided me with false inaccurate information, delayed my investigation, received false verbal consent from creditors which led XXXX to report false inaccurate fraudulent account on to my credit report for at 6 months and refused to cooperate with me making my life a living hell. I mailed ceritified letters, and faxed several documents in just to be going in circles.
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Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. Discover 4. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is misinformation on most of my credit reports and I would like it changed.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have unauthorized credit inquires on my XXXX credit report. I have tried to contact the companies but have had no luck. I'm trying to purchase a house and need these inquires removed from my report ASAP. 

XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/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 11-01-2016 about Debt collection (Medical) with WELLMONT HEALTH SYSTEM (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: MCOT, XXXX, This is a scavenger debt collection agency that is illegally throwing garnishments against my wife and i, we had a bill XX/XX/2005 for an emergency room visit, this lawyer did not notify us in order to be able to take the case in front of a judge t or magistrate then garnished {$2900.00}, XXXX take all owed then sues us the XXXX time and didnt give any notice to appear in front of judge and illegally garnished my wife the XXXX time XX/XX/XXXX for the same bill from 2005 way out of XXXX of limitations and now garnishing {$3700.00} THIS IS A SCAVENGER DEBT COLLECTIONS TEAM WHO ARE TAKING ADVANTAGE OF THE PEOPLE, We have legal XXXX of limitations to protect the consumers, allready ruined credit XXXX years and is now trying to renew an old debt from XX/XX/2005,XXXX and XXXX after this debt was started, THIS WILL BE REPORTED TO THE BAR ASSOCIATION AND XXXX. we are a family of XXXX with XXXX working and XXXX diabled and is not drawing XXXX yet.It takes every dime my wife makes to pay our bills and have food for our family, THIS MUST BE STOPPED! SO IF YOU HAVE MCOT TRYING TO SCAVENGER OLD DEBT PLEASE REPORT IT, THIS IS NOT LEGAL AND NEEDS TO BE FOUGHT AT THE HIGHEST LEVELS, They garnished my wife XXXX time allready and we did not get a chance to go in front of a magistrate or judge, this is illegal, We should have been notified, Now here we are again with no notifications only garnishment for the XXXX time for a debt thats over XXXX IS NOT LEGAL AND IT MUST STOP! THEY ARE BUYING UP OLD DEBT FOR PENNIES ON THE DOLLAR AND OUT OF XXXX DEBT, GOING ABOVE AND BEYOND WHAT IS THE LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had recently paid off all of my credit cards, including my XXXX XXXX XXXX through synchrony onXX/XX/XXXX, and a month ( XX/XX/XXXX ) after my payment in full was processed synchrony " randomly '' closed my XXXX XXXX XXXX causing my score to drop significantly, I called synchrony they told me the decision was random and made onXX/XX/XXXX because of inactivity, but thats not true, i used the card on XX/XX/XXXX and just now finalized it on XX/XX/XXXX I explained to them that I am in the process of purchasing a home, that's why I paid them in full so it doesn't affect my process for purchasing a home, they pretty much said tough luck nothing we can do for you. It is not right that they can try to mess with someone like that and seeing that them closing this account dropped my score by 38 points, I'm worried that it might alarm my lender for my mortgage all thanks to synchrony doing this stuff behind the scenes and not contacting 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 02/22/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Midland collections is collecting a debt of mine from XXXX XXXX. The date of activity is long after I stopped using this account. I may be the victim of identity theft for a portion of this balance. I asked Midland to provide a list of charges on the account. The individual replied : " We do n't have to do that. We only have to give you the application which I will request. '' The Fair Credit Reporting Act provides that a consumer may request a detail of charges on an account that may be a result of identity theft. And that the creditor MUST provide that detail in no more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My, name needs to be added by Equifax to the : XXXX Equifax Information Services LLC, Settlement Administrator. 

According to Equifax I am a part of the lawsuit but my name has not been given to the settlement administrator.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Prepaid card (General purpose card) with CITIBANK, N.A. (CA).
Issue: Fraud or scam

Complaint: Re : Citi Prepaid I had switched cell phone carriers from XXXX XXXX XXXX to XXXX with one of their promotions of being awarded a {$350.00} pre-paid card upon switching and maintaining an account with XXXX. As of today 's date my account has remained with XXXX, and I have not received the said prepaid reward card. 
After speaking with a representative from a local XXXX store, they provided a number to call to inquire about the missing card, which led to another phone number to a representative from Citi-Prepaid. After completing the identity verification questions the representative confirmed that I had met the conditions to receive the prepaid Visa card, and that a Visa prepaid card in the amount of {$350.00} was issued XXXX XXXX, expired XXXX XXXX and that the card was never activated or used. I advised the representative that I did not activate the card due to I had not received the card that was sent. I asked if a new card could be issued and I was advised that due to the card being expired, he is unable to reissue a new card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/24/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I pay my XXXX XXXX acct on XX/XX/XXXX. My payment is due on XX/XX/XXXX but I was told that as long as I pay it before 30 days I am not considered late. I called XXXX XXXX when I saw they marked my acct late for XX/XX/XXXX. I pay on the website which I will attach for you to see. Last month when I went on XX/XX/XXXX it showed current. I went on to pay on XX/XX/XXXX and I paid {$750.00} thinking I was paying for XX/XX/XXXX and for half of XX/XX/XXXX. They marked me late for XX/XX/XXXX. I disputed this with Experian immediately. I was notified the other day that not only did they not remove the late mark for XXXX they added XXXX and XXXX as well To play it safe I made another payment of half of what I owe. As you can see from the attached from there website they are showing me with a credit in the amount of XXXX for XX/XX/XXXX. This is an unfair business practice especially since now a days all correspondence is done from the internet. I am requesting that these late marks be removed based on the proof that I am sending to you and I feel that it is illegal what XXXX XXXX has done to my credit that I am working so hard to correct. I am hoping you can help me and I have also spoken with a lawyer about this. To punish me for the dispute they marked me twice on my credit reports. Totally illegal. I have since sent yet another letter to Experian disputing it again but am very upset that XXXX XXXX marked my credit report fraudualently. 

Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation