milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2015 about Mortgage (FHA mortgage) with Selene Finance LP (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I can not get my mortgage company to send me a bill. They are mailing it to the wrong address and told me I need to correct it. I never asked them to send it there so I do not understand why I ca n't get a bill mailed to the home on file ( the property address for the mortgage ). I am unable to pay my bill, so my credit is being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: XX/XX/XXXX I disputed the following item on my credit report : XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax `` verified it to belong to me which I knew was impossible since this account is not mine. I tried to call and mail this company with the information provided by Equifax. The number is not connected and the mail was returned. Equifax is not investigating anything. They report negative items with little to no regard for the consumer beyond their interest ... I am filing this complaint as a matter of course. I intend to sue them for the damages to my credit ...

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company Diversified Consultants is trying to collect on a debt from XXXX XXXX that i do not owe and have numerous calls with XXXX XXXX over the past year and a half that this debt is not owed due to the fact that i replaced their tv service with XXXX XXXX and notified them when to cancel the service and XXXX  never did that. They kept on billing my account month after month for service that was no longer used. All equipment was returned to XXXX This balance is not owed by me, XXXX made the errors of charging me month after month and I am not responsible for their errors. I called Diversified on XX/XX/XXXX and told them the story and errors by XXXX XXXX twice already and since this is the 3rd collection agency that has tried to collect this money they were also made aware that I am not liable for this debt. XXXX XXXX made the errors they need to take care of this balance and delete off my name. if needed i will supply the company with the XXXX XXXX bill or bills that shows i had service with them at the dates XXXX claims i had service with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with ERC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On or about  XXXX   2017 , I noticed that a  XXXX  phone bill had appeared on my credit files. I requested that   XXXX   validate the debt and send me a copy of the application, or contract that was used to open this account. They never replied back to the validation letter. Now Enhanced Recovery Co is coming after me. I have continued to request that they validate and they continue to allow this to report on my files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX 2016, it came to my attention via my credit monitoring with all XXXX credit reporting bureaus ; XXXX, XXXX and XXXX that ( XXXX ) credit cards had been opened and utilized in my name with American Express. I notified American Express both via the phone and by filing a complaint with the CFPB regarding these accounts. On XXXX XXXX, 2016 I received a response from American Express REF # : ( XXXX ) concerning my case. In the letter American Express acknowledged that XXXX of the XXXX accounts was in fact deemed fraudulently opened where as the other XXXX were still under investigation. It also stated that it could take up to 60 days for their investigation to be completed. 

This past Thursday. XXXX XXXX, I was notified a total of ( 3 ) times by their now collection company representing one of the accounts that I originally disputed ending in :XXXX, the Amex Everyday card by their third party collection company ( XXXX ). They confirmed that the account they represented was the Amex everyday card ending in the aforementioned account number, that was all they would verify, and that they amount that was owed was {$2900.00}. I explained to multiple people during one of those phone calls that the debt was not mine and that I had already filed a complaint with the CFPB concerning this. Needless to say, they did n't care and proceeded to warn me of my consequences if I were to not rectify this debt by paying them. 

I am now filing another complaint to the attention of Amex concerning the remaining ( XXXX ) accounts that I have yet to receive a response on. Nevertheless, apparently AmEx has taken the liberty to assign and subsequently sell this debt to their collection company. First and foremost, I have never in my entire life had any accounts with this bank nor any of their co-branded affiliates. Again, I am disputing this account along with any other accounts that my be considered still open, sold or presently under investigation accordingly. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XX/XX/XXXX I went back to school to get my XXXX degree from the University XXXX. I took out {$35000.00} in astudent loan from XXXX XXXX and {$5000.00} as a Stafford loan. I started paying the loan back in XX/XX/XXXX after I graduated. Over the last 16 years I have never missed a payment - made at least the required payment each month - Often more that the required payment. For the first 8-10 years the payments went to XXXX XXXX then the loan was transferred to XXXX and three years ago it was transferred to Navient. After 16 years of paying an average of $ XXXX/month on a loan at 8.25 % I have paid over {$67000.00} and yet the statement I just received says I still owe over {$21000.00} on the personal loan and {$3300.00} on the Stafford. I do not see how this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Federal student loan debt) with Reliant Capital Solutions, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: As of XX/XX/XXXX, I do believe, I am a victim of Identify Theft, and I would like to press charges against this person, and have her or him arrested!! who used my personal information, my Social Security number, my name, my birthday and addresses, to obtain personal gain, of {$1000.00} at XXXX College, California from XX/XX/XXXX to XX/XX/XXXX, per collection agency, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, Ohio XXXX, Phone # XXXX, They said I lived at this address in XXXX XXXX, California. I nevered in XXXX XXXX ever! I live presently, in XXXX XXXX the last 5 years, previous, I lived at this other address of 25 years here in XXXX XXXX. I have not attended college, since 30 to 35 years ago, I paid off my student loan numerous years ago, of {$500.00}. I am almost XXXX  years ago, and ready to retire soon of my Present position of 28 years, for the XXXX XXXX, here in XXXX XXXX, California. I Called ( 3 ) Times to the collection agency XXXX XXXX XXXX to request letter stating to compare the signature on loan document or check, when I receive this, to contact them, so I can hurry and catch this person using my personal information. The collection agency stated he can not send this letter out until 6-8 weeks. Stated this was protocol per their company. This was wrong! He could of made a copy and sent this to me! I asked him either to email me or fax to me or even send certified! He said no! I heard from someone that worked for another collection agency, and also a police officer here that worked in XXXX XXXX, A Police officer, XXXX stated that's " XXXX '' he is wrong! He can make a copy and sent it to you right away!, he also told me to ask for a ( his ) supervisor for that Collection agency. So Now I get a letter from the Department of The Treasury, stating that instead of supposing to getting my federal of {$3600.00}, no, that we applied your payment of {$910.00} to the following agency U.S. Department of Education. I tried calling the Department of Education one week prior to this, to flag this, and Entered my Social security number at prompt, the recording stated to contact XXXX XXXX   XXXX for this, I had good credit before this person robbed me of my personal information. I cant even sell my house now, or purchase a car for my son because of this. I think this collection agency is not honest or fair to their clients. I would like to report them. Now I am having bad headaches, I am becoming ill, my XXXX XXXX is rising because of this and I am going through mental anguish, and I am getting stressed out behind their inadequacies. I would like to report this Collection agency. Please contact me A.S.A.P. and let me know where I can get the right help! 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Application, originator, mortgage broker

Complaint: Called Nationstar mrtg to refinance the loan. XXXX ran our credit report and siad since our credit score was XXXX we didnt qualify for the " better '' loan which would bring our payment to $ XXXX.Since we had a credit score below XXXX best they could do was about $ XXXX.Current mortgage is {$1800.00} going to XXXX for the remaining 20 years of the term.He suggested we call the loan mod dept.Called loan mod on XX/XX/XXXX@XXXX .Spoke with XXXX who emailed me info needed for loan mod.Sent over the info back to XXXX on the XX/XX/2017 and he responded two days later saying he would be forwarding the info to the loan prosessors.we received a letter dated XX/XX/2017 on XX/XX/2017 asking us to Call XXXX letting us know he is our dedicated Loan specialist. The sooner you call, '' the SOONER YOU MIGHT FIND A SOLUTION TO YOUR MORTGAGE NEEDS '' Called left him a msg on Monday XX/XX/2017. He called home and then on my cell on the morning of XX/XX/2017. Could not talk too much because I was at work.Asked him to call after XXXX EST. He called the next morning and spoke to my wife. He informed her that we did not qualify for the loan mod because he did not see any hardship!!! No death, XXXX or loss of job .That is why we did not qualify. Mind you I had been out of work from mid XX/XX/XXXX till mid XX/XX/XXXX. Just got on a full shift two weeks ago ( still XXXX ). We had a similar problem when applying for a loan mod from the bank this company bought the loan from. Loan mod took over 1.5 years and finally fell through after all the running around. Same loan #. More info can be provided as neede

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Detailed letter attached. Non escrow mortgage loan. Ocwen force placed coverage with no proper notice and the effective dates of their force place coverage included months my property was not in a flood zone. They have had my paid flood policy and continue to error and cause me financial harm, and inaccurate credit reporting. My payments have been deposited to suspense rather than posting because they can not correct their errors. details in the attached letter, chronology, and supporting documentation. While housing my payments in suspense account they have referred my loan to loss mitigation. My credit score has always been XXXX and my good credit is in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pioneer Credit Recovery Inc continues to send letters advising that a debt of XXXX is due to the XXXX XXXX for a Small Business Administration loan. No one at this address has ever applied for, been part of a business, or co-signed with anyone taking out a Small Business Administration loan. This company, Pioneer Credit Recovery, has been notified in the past that this debt does not belong to the occupants at this address. Yet, they continue to seek collection with letters threatening wage garnishment or legal litigation by the Treasury Department.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I purchased my home. In XXXX, I refinanced that home. Today, in XXXX, I am in a short sale. The reason is because my bank would not lower my 8.5 % rate to a more affordable rate. Yet, they are accepting a lower than market sale price. This makes no sense. I am being displaced so they could get less money for a home I was willing to pay completely for, just at a lower interest rate. I have exhausted all HUD options ( frankly there was only XXXX I qualified for ) and have done the deferrals with my bank. A lower rate is ALL I wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My ARM mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage 3 years ago. 
Initially it was very difficult to establish an online account. 
Since the account was created I have been asked to change the password several times. 
And every time the password has changed the amount of emails that I received and advertisement by mail regarding refinance has increased tremendously. They have also accessed my facebook account with such nonsense. 
Nationstar 's recent demand to sign up in the account is to provide my social security number, which I refuse. 
They have all my information on file, there is no need for this request. 
Therefore I have not access my online account for the past two months, sending my payments by mail. 
My request is for Nationstar 1. To stop the harrassment 2. Demands of social security number is illegal and should be stopped 3. The monthly statement is incomplete ; it does not contain the length of the loan term

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian is stating the courts is Reporting a Bankruptcy Docket # XXXX which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. Experian pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to 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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!

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 01/20/2018 about Debt collection (I do not know) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent XXXX XXXX XXXX balance of XXXX a letter asking to provide me with proof of verification and validation of documentation of original contracts with signatures. I received back saying it was verified. I do n't think they did a fair and thorough investigation per the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: In violation of the rules and regulations of the united states consumer financial Protection Bureau., someone left me a message. It looks to me that it is male based on the consistency of his voice. He claimed that he is from the Executive office of Bank of America. There is no caller ID number which could prove whether it is from the bank or " No Number '' do not show my number. It implies that there is eavesdropping which is organized by evaders or their unconventional wisdom., which is fundraising trick as hot as is., in this election cycle. Would anybody let anyone leave message with no communication or FCC rules and regulations respected? I do.

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 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Previously disputed and submitted court documents and had the item successfully removed since this item never made it to judgment and was paid prior to making it to judgement. But now it is showing back up on report again.

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 03-09-2016 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a car loan on a XXXX XXXX in XXXX from Capital One. I believe in late XXXX or early XXXX I had to file Chapter XXXX due to having an acute XXXX. The amount owed on the car was approximately XXXX, but due to filing Chapter XXXX, the amount was dropped to the value of the XXXX XXXX to XXXX. XXXX XXXX, XXXX, I got into XXXX which caused me to also lose my job. I could no longer afford making my bankruptcy payments, and my car was totaled. I ended up paying my car off as an agreement between my attorney and Capital One in the amount of the approximate XXXX, however Capital One is now saying that I still owe the difference, of approximately XXXX. I am now on XXXX because of XXXX the accident caused. Capitol One is not honoring the agreement they made with my attorney and it shows as a negative on my credit report each month.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: I just filed a complaint against Equifax for incorrect information on my credit report. EQUIFAX is refusing to report correctly. It is my information. I have a right to it accuracy and the info. EQUIFAX was incorrectly reporting the verification that XXXX was included in the bankruptcy incorrectly. That XXXX was not included in the bankruptcy. EQUIFAX is required by law to report the information correctly. They still have the wrong dates reporting for the bankruptcy and the type, so by law it has to be removed. My report is not right the bankruptcy info is still wrong. They have tried several times to add it and can not get it right. It is unethical and illegal to report inaccurate information. The responsibility can not be passed simply because they are getting paid to report. My bankruptcy is an official record and the information can be easily verified.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Other debt) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a XXXX XXXX bill that was n't mine and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was offered to open an account with American Express in XX/XX/XXXX. I do not remember if I agreed to their annual fee of {$95.00}. I moved in XX/XX/XXXX, and I had not received any documents from American Express. I did an address change with the USPS, and did not receive any documents at my new address until XX/XX/XXXX, where it said I owed {$95.00} that was assessed in XX/XX/XXXX for American Express credit card annual fee. I called them and explained what had occurred over the year, they did not change my address to the new address, we closed the account, and an investigation was opened as to the {$95.00} annual fee. I received a new bill from American Express for {$95.00} today. I called to discuss the fee and that I do not believe I need to pay the fee. They told me the investigation was closed and that I owe the fee. I asked if there is anything that can be done because I never activated the card, I never used the card. XXXX I never got the card. I asked for a manager, and the agent transferred me to the manager who said that he has discussed it with his team and there is nothing they will do. I do not believe I should be required to pay the fee. The bill is still going to my old address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2017 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (MS).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: They are constantly calling threatening about this vehicle

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