milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (IN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Stellar Recovery contacted me through a public e-mail address that is not only used by myself. Their company logo is at the top of the e-mail, the e-mail does not state that it is from a debt collector. There is not a confidential information disclosure in the e-mail. The 3rd party followed the instructions and opened the letter that was attached to the e-mail, ( password was in the body of the email for opening ) and they saw that I owed a debt. I never provided Stellar Recovery with my e-mail address or gave them permission to contact me through e-mail. If they were able to find my e-mail address, then they should have been able to find my telephone # or home address. However, i have not been contacted by phone or through regular mail about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I received an alert that I have a bill in collection which was a surprise to me so I pull up my credit report and I see something from XXXX a bill for XXXX I dispute this back in XX/XX/XXXX after about a month the item was removed ok great I happy about that. Well this morning XX/XX/XXXX I receive an alert of a bill in collection I know this cant be so I check and not only has XXXX been placed back on my credit report but they are now say the balance is more then double and that I just open this account in XX/XX/XXXX. This is not my account this has hit me hard and has dropped my credit score very much. This cant be right there has to be something that can be done.

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 01-01-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Credit reporting agency is reporting an account XXXX Mortgage. However, the creditor is unable to locate an account for me. Please see attached letter from XXXX Mortgage. There is also a collection account XXXX XXXX XXXX for the same exact account. XXXX accounts have a past due balance. Experian is reporting XXXX of these as XXXX separate debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Trouble during payment process

Complaint: On   XX/XX/XXXX , Bay  view Loan Servicing ha d us start making three trial modification payments. On   XX/XX/XXXX , we st arted making  three  trial modification payments and finished on   XX/XX/XXXX ,  we made our final modification payment. Starting   XX/XX/XXXX , I  checked the porch daily for a permanent modification package fr om Bayview Loan Servicing. Fr om   XX/XX/XXXX   until the beginning o f  XX/XX/XXXX , for over 200 days I have checked my front porch for a corrected conversi on permanent modification packet that has never come. At the beginnin g of  XX/XX/XXXX  after checking the porch for over 220 days almost a year for the conversion packag e the permanent modification package there was nothing there on the porch. I calle d Bayview Loan s ervicing the beginning of   XX/XX/XXXX  and a sked about the package as I had done multiple times before over the 220 day time frame and I was told by Bayview Representative that nothing had gone out. For over 220 days I did n't leave my home for any situation that required more than an over night stay even during my husband   XXXX   XXXX  ,  XXXX  and hospital stay I would leave the hospital to check my front porch for the conversion permanent modification package  Bayview Loan Servicing,  my asset manager  XXXX   XXXX  stated was coming on multiple occasions. In the beginning o f  XX/XX/XXXX , I  had a family emergency I had to leave my home to go out of state, the family emergency resulted in  XXXX  and the  XXXX  was this pass weekend ; however , Bayview Loan Servcing s tarted foreclosure on my home for missing payments they told me not to mak e. Bayview Loan Servicing is  dual tracking my home. Although  Bayview Loan Servicing  had told me to stop making payments in   XX/XX/XXXX , I made trial modifications payments from  XX/XX/XXXX  until  XX/XX/XXXX  for ten month s and never received the correct conversion permanent modification pack age Bayview Loan Servicing sta ted.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My 1st mortgage on my home was originally taken out with GMAC in XXXX of XXXX. GMAC eventually filed bankruptcy and my loan was transferred to Ocwen loan servicing LLC in XXXX of XXXX. I inquired about refinancing earlier this year with a local lender, and when I did it came it to my attention that Ocwen claimed I owed almost {$8000.00} in late charges from when my loan was held by GMAC. I have called a few times to try to have this mistake corrected by Ocwen but they have been less than helpful in getting rid of these FRAUDULENT late charges. I contacted Ocwens records department and had them send me a complete loan payment history for my loan while it was with GMAC. All payments with GMAC that were applied by the XXXX of the month fell under the grace period and should not have assessed a late fee. After going through the payment history from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX the total amount if fraudulent late charges by GMAC amounted to {$7700.00}. I have made a spreadsheet and also have copies of the payment history from Ocwen detailing these records which I will attach to this formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Other type of mortgage) with Servis One, Inc. (CA).
Issue: Trouble during payment process

Complaint: The issue is I should not be in default. All supporting documents with how my payments on multiple times have been applied incorrectly and still not fixing over a year pushing it into default incorrectly. I should owe XXXX for XX/XX/XXXX. Yet they have told me I owe XXXX plus XXXX in wrongly assesed late fees as I had paid mortgage for 5 months in advance in XX/XX/XXXXwhich they applied to false fees and I specifically had told them how to apply I had been paying in advance until they can fix issue. A year later nothing fixed and now they inflate information. They have 72 hours to apply correctly and falsely reporting delinquent when I have proof of money sent and how should be applied. All proof attached fron XX/XX/XXXXto present how they mis handle fees and then report negative. They are stealing money and I have all proof. This is also enough proof beyond a reasonable to doubt for suing them on falsely forcing foreclosure again 1 year later. Enough is Enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: CapitalOne 360 Bank put a hold on my checking account. I received threatening email that my account would be closed if I do n't call. i had to call security department to get hold lifted, but security dept did not answer my phone call, despite repeated attempts and call transfers from supervisors. Security then called me from number that did not specify the bank 's name, and the operator had heavy XXXX accent, and would not forward me to supervisor despite repeated requests. I am on phone with the bank for over 3 hours and still no resolution. MY CHECKING ACCOUNT IS ON HOLD, and I can not get access to my money. This is taking advantage of me as XXXX. I have been actively trying to get someone to help me, but all my calls get transferred back to the phone que and no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (LA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have 13 late payments on my car loan with Nissan Motor Acceptance. I was having financial hardship with repaying my loan and fell behind on payments at one point. I have reached out to the company with a goodwill letter in hopes that they would honor it and remove but was unsuccessful and they weren't willing to change the status. i am current and have been for the last 12 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Mortgage (Other mortgage) with PLANET HOME LENDING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We received your attached default notice XXXX XXXX, 2016. 

We are in the process of applying for a loan with Keep Your Home California and ask that you please wait 45 days before taking any futher foreclosure steps.

Company response to consumer: Closed
Consumer complaint received 09-07-2015 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Billing disputes

Complaint: I attempted to file a dispute for items returned back to Gap, the incorrect/wrong items were sent and were returned back. The order, XXXX, contained wrong pair of jeans and shirt. They were sent back on XXXX, arrived on XXXX according to XXXX. Tracking number is XXXX. The order total is XXXX. Again, I attempted to file a dispute, but do not know if the rep ( s ) actually filed it as their XXXX is poor and hard to understand. XXXX rep was provided with reason for dispute and return tracking information. As with most companies, Banana Republic credit customer care has been outsourced to XXXX, reps are ignorant/hard to communicate with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: call and call and call repeatedly and calling me at work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with URS Holding, LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have previously had this collection removed from my credit bureaus ... however, it is now being reported again under a different company by the name of  Alltran Education. I  do not have any contracts with this company.     As previously noted when this account was removed from my credit report, all of my communications have been with  XXXX   XXXX  University (  XXXX   ). T hey wrongfully submitted my account to collections while I was under a payment plan with them, and refused to pull it back. all supporting documents were submitted in the prior disputes. Alltran, the new collections company, contacted me to continue payments, I have been in communication with them for this student account balance, and specified to them this was the last of my balance with  XXXX  -- I previously paid out of pocket over  XXXX  to  XXXX , and this balance was the last of what was owed, which payments were being made on.. I told Alltran all payments would be made online to the creditor. however right after speaking with them, they reported it to my credit report. which appears to have been done out of spite after me telling them I would not pay them directly and it was being handled with  XXXX . I do not appreciate unethical business practices when I am already attempting to take care of this matter that should not have reached this point in the first place.  XXXX  improperly reported my balance, and breached their agreement by sending it to collections, which is why this account was previously removed from my credit report in the past. Furthermore, Alltran reporting this to my credit bureau as a " threat '' because I informed them I would not pay them directly ( probably because the representative would not receive commission for it ) is completely unethical.  XXXX  has previously taken responsibility for not properly handling my account.     Because  XXXX  has caused this much trouble for not properly handling my account, even still after the prior disputes, I have contacted a lawyer as well to handle this further.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I sent Seterus Inc a letter on XXXX XXXX, XXXX asking them to relinquish my escrow agent which they have grossly mismanaged and asking them for reversal of misapplied fees which originated through their mismanagement in XXXX. I have n't received a response as of today XXXX/XXXX/XXXX, over 5 weeks ago. I already had to make my XXXX mortgage payment to include the escrow impounds and XXXX XXXX is approaching when again another payment is due. At the time I requested this on XXXX/XXXX/XXXX my escrow account had a positive balance of {$92.00}, see attached XXXX statement. Now on the XXXX statement I show a negative balance of {$150.00}. This is because they again incorrectly made a payment to the new hazard insurance company even though I sent them a letter on XXXX/XXXX/XXXX telling them I was changing insurance company and I was going to pay for it directly myself outside escrow. I stated they were NOT to make a payment to the insurance company and they did, causing my escrow account to be deficient again. I have been told by XXXX, the new hazard insurance, that they have returned the funds to Seterus and that she got confirmation that they would be reapplied to my escrow, but I do n't see it in my account as corrected. XXXX will be withdrawing from my bank account directly the insurance monthly installment and I do n't want to pay twice for it by continuing to pay into my escrow account. I need expedient attention to this matter by Seterus. Last year it took them a whole year to fix my escrow and I still do n't know if they reversed the fees they charged. 
I really ca n't wait to get rid of this servicer. If ever I get another loan with Fannie Mae I will make the mortgage company sign an affidavit prohibiting my loan from being serviced by Seterus. Fannie Mae needs to move my loan to a different servicer please. I do n't have time to waste with this company

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (MN).
Issue: Managing the loan or lease

Complaint: My loan was with Citifinancial it opened before XXXX XXXX but that was the balance then. I called continually to work something out with them. No one could find the loan and I would get transferred and cut off. It was an old charge off from my divorce at one time. I wanted to get it taken care of. the # then was XXXX address was XXXX XXXX XXXX XXXX XXXX sc XXXX. It was under my old last name XXXX XXXX XXXX. Now I am XXXX XXXX XXXX. after attempts I would get someone and they finally had me call XXXX and accepted {$4000.00} to dept, offer settlement and said they would forgive loan and mail me forms to file with my taxes. I talked to XXXX and her " boss '' on XXXX mail XXXX by end of month put the ck to citifinanceial acct XXXX and write that on envelope and check. address was the same as I wrote above. I still have copy of the check so I know it went through. I was to call and check in 10 days. No one could tell me anything and kept getting cut off. I checked my credit report and now I have a loan citifinancial opened XXXX XXXX and a XXXX XXXX citifinancial for XXXX. I do not know what to do. No one helps me and I even sent a long letter like this. HELP. XXXX XXXX XXXX. If I do not refinance my home in the next 2 years, I will lose it. Right now I ca n't because of this. my phone is XXXX address is XXXX XXXX XXXX XXXX mn XXXX email is XXXXXXXXXXXX. Please help 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 03/27/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I try to look at my credit report online, the system will not let me see my credit report but will let another credit company that i pay to have to see my report, when i go to look at it, the require all this information to send to them like my picture id and socail security number and a copy of my phone bill, they will not let me dispute my information, I have sent them copys of all my information certified mail, still will not let me dispute or look at my credit report, I have to pay another company for them to pull it, give it to them but not me ... Thats crazy, Experian is the only one that iam having a bad time with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Debt collection (I do not know) with Diversified Acceptance Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: There is an account being reported on my XXXX credit report that is not mine..I have repeatedly tried to have it removed..but Leonard and Associates refuses to budge..I have a police report to back up the fact that I am a victim of identity fraud..Not only are they reporting a closed account that is not mine they are also placing phone calls to me even though I am on the national do not call list. I am being harassed for a debt that has no connection to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX IS REPORTING AN AUTHORIZED USER ACCOUNT NO.XXXX. I AM IN BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I use Bank America payment process to pay off deft every month and the month of XXXX they did not process my payment which result in a late fee and penalty and interest charge which I had to stop using their online site to iniate payment from another source. Refund my late fee and interest charge for they look at the past two years and see that I always make payment and it their system that fail.

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 01/23/2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting calls from XXXX XXXX XXXX which I have reported. On XXXX, the ROBO call said that if I am this person, press XXXX and if not, press XXXX. I did press XXXX, but they keep calling me sometimes twice a day anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: Us bank is reporting XXXX separate automatic teller machine abuse on XXXX and they are all incorrect. I would like to know what must be done to get these removed so I can open an checking and savings account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: IC Systems XXXX, MN XXXX Receiving calls from XXXX Letter sent states account # XXXX IC ref # XXXX They say I owe {$4200.00} collection on a XXXX phone bill I did not open or order the XXXX I phone XXXX phones, on XX/XX/2017. 

I am reporting this as fraud. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Federal student loan) with CITIBANK, N.A. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had a student loan back in 2002, was finally paid off this summer and now I get a statement from citibank/XXXX XXXX XXXX saying I now owe {$18000.00} dollars, which is entirely false, I never owe anything close to that. I do some research and found out that Citibank/XXXX XXXX XXXX may be a Scam company. Please help me because they are threatening to sue me by another outside lawyer firm called XXXX XXXX XXXX XXXX XXXX , XXXX . Their infomation is- XXXX XXXX XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX, XXXX . XXXX XXXX, MD XXXX XXXX thank you in advance for any help you can lend to me.

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