milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I had originally filed a complaint on XX/XX/XXXX. [ Case number : XXXX ]. Their response to me on XX/XX/XXXX was as follows : " Ditech records reflect that you voluntarily applied for a modification review and, after completing the trial period plan, you were approved for a permanent modification. Once the modification is completed the account will be brought current. Ditech currently is waiting for the signed modification documents to be returned by you. 

If you have any questions regarding the loan modification process, please contact Ditech representative XXXX at ( XXXX ) XXXX extension XXXX " I 've called them in XXXX once I received the recorded modification documents with the XXXX. They assured me that the account will be updated on their system the first week of XX/XX/XXXX. By the end of XXXX, I still did not see my account updated to reflect a modification in place but instead it still shows that I am past due and late on my payments. I 've since them called them many times. One time they said that it will be updated in the beginning of XXXX. I called again in mid-XXXX and they said it will be updated soon because they are under-staffed. It is now XX/XX/XXXX and I still am showing my account not up to date. I demand that at this point they get my account updated because this is affecting my ability to apply for any credit or mortgage. Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
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. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (I do not know) with Alliant Capital Management LLC (WA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Explanation of complaint : These people are calling and threatening to send police out to my house to arrest me, The have called my husband with same threat and called our son to tell him his dad was going to get arrested too. They call from XXXX, XXXX, XXXX. My family is afraid and need this to stop. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (I do not know) with Fitzgerald Goldman & Associates, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a voicemail at work from XXXX XXXX, he advised that I would be served and that he had verified the policies and proceedures at my office with my employer to serve me. I returned his call and he advised that he had 6 month of my bank account statements. He advised the he was in the legal dept and he would proceed with action. I asked for confirmation of what this was in regards to and indicated a company I had never heard of. Asked XXXX times to have this information sent in writing. He declined

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Medical debt) with Credit Counsel, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I did not realize that it was this company calling me I have been getting phone calls from this company for weeks back to back. I do not answer unknown numbers but today I did because I wanted to know who was blowing up my phone from this number and of course it was Credit Counsel inc.

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 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On Tuesday, XXXX XXXX, XXXX : I finally spoke to a Floor Supervisor from Navient, Inc, the Lender for my Student Loan. 
I was told that Navient changed the dates on my Forbearance ( without my knowledge ) and that they found errors in their own system with their billing. I was to begin payment on XXXX XXXX, XXXX ( my e-mail shows that ) and they are telling me their system made a mistake, and that my Forbearance was " supposed to end '' on XXXX XXXX, XXXX. They told me that I must either go into Forbearance if I can not afford the " missed '' payment ( Payment was never missed as the payments were supposed to start on XXXX XXXX and I have paid every single month on time. 
The Floor Supervisor told me I must pay the " outstanding '' {$230.00} or else my name would be submitted to the Credit Bureau, as well as putting my loan within delinquency. I asked what my options are, as a {$470.00} a month payment is not what I can afford, hence, why I am on the income based repayment plan. They tried forcing Forbearance on me, as my " only option if I ca n't afford 'only {$230.00} ' on top of my {$230.00} a month payment. When I asked to speak to her boss, I was told she was the boss. 
I asked the Floor Supervisor why Inever received these notifications that the terms of my Forbearance had changed and she claimed I received an e-mail from Navient on XXXX XXXX and XXXX XXXX. I searched my inbox for hours - There were no e-mails received from Navient on either one of these days indicating my terms had changed. 
I also am locked out of the messages portion of Navient.com until I pay my " Past Due Balance ''. 
So, to save my credit rating, I paid the " past due balance '' and will pay the remaining monthly payment for XXXX. To get this money, I will have to work even more hours at my second and third jobs. I still am not able to access my student loan documents, even after making the payment. 

These practices by Navient are fraudulent and illegal ( I 'm sure this is why they are being sued )

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had an unpaid XXXX bill of {$76.00} from 2014 from an address that I had not lived at since then. Since I did not live there, I did not receive any mail about the collection of the debt. Unknowing to me, it was sold to a debt collector, " Stellar Recovery '', and although they claimed to have attempted to contact me, I did not learn of the debt until applying for a credit card. In the time Stellar owned the debt, they claimed to have called me but I never received any voicemails or no consistent phone calls from any XXXX number. Once I contacted them, they never notified me of any right to dispute or any other option besides paying the debt in full. I did this but then was told by my banker that I should ask for a Pay to Delete option. When I called back I was told that they were not able to do this but after further research I learned that they could. The Paid in Full is still negatively affecting my credit report. I am a XXXX XXXX XXXX who just XXXX with little knowledge of the collections process and thought that Stellar Recovery 's handling of the situation was criminal in that I received no legal info about my options besides paying the debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (I do not know) with RevMD Partners, LLC. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My XXXX is XXXX years old and not capable of entering into a legally binding contract. I handle his finances for him. All of a sudden his credit score as shown on a credit card statement has dropped XXXX points. I suspected Identity theft and contacted all of the credit bureaus. 
The XXXX XXXX report shows XXXX adverse collection accounts from " REVMD Partners '' with no other information. I have never heard of these people, there has been no collection activity, and no communication of any type from them, written or oral. 
Dad does not owe anyone any money and this is clearly an attempt to XXXX by holding their credit report XXXX. 
We need to protect our XXXX citizens, and in this case an impaired veteran from XXXX. Totally intolerable. 
And I was so upset when I got this information that I was quite upset and awake all night with night sweats. 
These people should not be allowed to do this and instead should be making license plates or pounding big rocks into little rocks, if you know what I mean.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I have a SFR as an investment property. I refinanced it in 2012. I obtained the refinance through a broker. ( In fact when we signed our mortgage papers we signed a document requesting that WE PAY ALL FEES DIRECTLY. That was not honored ) It was sold to XXXX Bank who serviced it from XXXX and then sold to PNC Mortgage who has been servicing it to this date. I requested that they cancel my impound account which they agreed to but they want to charge me {$250.00} to close the account. I do n't remember agreeing to this. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was awarded my Social Security XXXX by the Social Security Administration XX/XX/2014. I sent all documents to Navient and they decided not to honor the XXXX. I had been making my payments as best as I good and without a job I was dependent on my children and my husband 's Social Security. XX/XX/XXXX or XX/XX/XXXX, payment arrangements were made and I was given confirmation numbers. This servicer has the penchant for misplacing the requested documents. I supplied them with my award letter and the amount I get and on XXXX loan, I submitted a death certificate for my co-signer. Of late, Navient has decided they want more money, even after giving me the confirmation numbers. Navient is now taking {$240.00} a month. My SSI check is {$220.00}. Without my consent or knowledge, they took {$590.00}. Plus another {$50.00} for a " fee ''. That was an afterthought that XXXX XXXX XXXX decided on. .I am sick of the harassment and the humiliating phone calls. I answer my phone if I am not in a crowd of people. Sometimes I answer my phone when I am in public. I was not in the position to talk XX/XX/XXXX and asked the representative to call me back in about an hour or I could call him back. He became very irate. He screamed at me, " why did you answer your phone if you could n't talk? '' The harassment was so bad and my granddaughters were present. I had no choice but to just hang up on him. When I called him later on, he was very rude and irate again. He turned me over to XXXX XXXX XXXX. I am doing all I can do for this loan. XXXX XXXX told me they were going after my co-signer. He requested my bank statements and my mother in law 's certificate of death. I have supplied them with everything I have. They have no reason to go after XXXX XXXX. I supplied them very early on with a letter of termination from school where he was teaching. I do n't know what else to do. Any help or guidance you can give me would be appreciated. 
XXXX regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have send Equifax several letters asking that since they keep saying they verified that this alleged XXXX account XXXX as being verified which is false information. I lived with my aunt who has exact same name as myself and they are mistaken and so to clear my name I have asked Equifax for physical documented proof because when I had an agency call XXXX we spoke with a XXXX Id number XXXX and she clearly said they ca n't release 3rd party information without the account holders written authorization and since my aunt is deceased she ca n't write a authorization to them. So clearly Equifax is making false statements in which if they do n't remove this unverified debt I have to seek legal action. I have clearly been keeping all my certified receipts with their signature showing each time I send a letter on this matter they have received this and still have not send me any physical documents in which they keep saying verified but how? I would like to know in writing how they supposed verified because if this unverified debt remains on my report in case I need to take this to trial due to this damaging my character it 's very embarrassing and they keep saying verified and nothing else. Clearly they are in violation of the FDCPA section 809 ( b ) and are not following FCRA 611 ( a ) rule. I also have asked several times who in their company verified this XXXX account in question if XXXX said they need a signed statement and being that I have not signed anything clearly means something is going on and this account needs be deleted. Someone with XXXX must authenticate the documents in my file that were used to verify the disputed account and I said they must have first hand knowledge of the alleged account under penalty or perjury. According to XXXX 's law dictionary XXXX edition 1990 defines " verification " as " confirmation of correctness, truth or authenticity, by affidavit oath or deposition " affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that Equifax must be willing to be able to produce a document that proves the account belong to me. Due to their continued disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 of the if the UNVERIFIED Item is not deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I asked  XXXX  to verify the account and they still have not even aft er 4 ce rtified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car f or 2 week s after purchase as I was a supposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX , Equifax and   XXXX   for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: We have been contacted over and over for the past year by Navient student loans and they say our loan number is XXXX. These are loans we believe we paid under several other companies like XXXX. We have begged over and over for them to PROVE the loans and show us paperwork. They have not provided us that information but harrassed us enough that we are now paying the loan to Navient XXXX XXXX XXXX pa XXXX. We are asking for proof we owe this money as it is XXXX dollars and we just want proof. Can you help us? XXXX XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX XXXX XXXX. If they can not prove, can we get our money back??? The schools that might be involved are XXXX XXXX, XXXX University, XXXX XXXX University, XXXX XXXX University, California. I can not say which school these loans are associated with as they will not provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX reported I had XXXX late payments to them. I have never had an account with them. I paid an auto loan off with XXXX in XX/XX/XXXX. XXXX XXXX finance bought out XXXX in XX/XX/XXXX an are saying they used information from the acquired XXXX account to report late payments. XXXX XXXX XXXX said they would send me information proving the late payments but has not sent me documentation of any kind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: ACS Education Services represents that its re-certification process for the IBR plan is 7-10 days. My application was received by ACS on XXXX XXXX, 2016. Notably, on XXXX XXXX, 2016, an ACS representative stated that my application should be processed before my increased payment ( non-IBR ) is due on XXXX XXXX, 2016. Based on her advice and representations, I agreed not to submit a forbearance request at that time. But, my application still has not been processed as of XXXX XXXX, 2016. ACS 's inability to complete a timely review of the IBR certification may result in a delinquency and negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Prepaid card (General purpose card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Fraud or scam

Complaint: XXXX purchased a prepaid credit card in XXXX of 2009 for {$300.00} with Orchard bank. The bank increased the credit line to {$750.00} without my requesting the increase. I did not send additional funds to increase the limit. Within a short time the card or bank was sold to Capital One. I no longer need a prepaid credit line as my credit is ok. 

I called Capital One and wanted to close the account and have my {$300.00} refunded to me. Capital One says that the card came from Orchard bank to them without any secured portion on it. 
Capital One gave me numbers at Orchard to call but the numbers revert back to Capital One. 

I can give you my Capital One Credit Card number if it is needed but I am reluctant to do so due to security issues. 

I do not know what agency that I should contact to get my prepaid amount refunded. 

Sincerely, ABPPS It is easiest to reach me by text at the above number. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Payday loan () with Cash Express, LLC (KY).
Issue: Payment to acct not credited

Complaint: Cash express in XXXX TN. Is there number XXXX XXXX XXXX. They will not accept my payment demand me to have my payment of XXXX besides the XXXX that i originally make my payment on the XXXX of each month Cash express knowledge me that starting in XXXX they will be offering flex loans and my loan will need to be changed over to it if I did not have it paid off by then. 
I went in to pay my payment they refused it cause my income was not income and told me they can not accept my income that was on paper cause my employer does not have a landline business phone number ... ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Midland Funding has repeatedly sent letter to me to collect on something that I have questioned the integrity of. When I sent the second letter requesting proof of anything that I signed stating I owe money to said company they issued a Warrant in Debt which I am attending and defending myself on. Again I have sent a letter requesting all of this information along with information proving to me that I entered into an agreement with them, asking for proof of said original creditor has not been paid in full etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have my property in short sale since XX/XX/XXXX PNC Bank National association is the lender of property XXXX XXXX XXXX is the realtor taking care of short sale ( XXXX ) XXXX The buyer is ready to buy even though PNC Bank raised the price two times and the buyer still willing to make the purchase. 
Since the bank has a sale date for XX/XX/XXXX On XX/XX/XXXX I filed an emergency motion to stop the sale with Circuit Court. 
Judge 's clerk scheduled me to appear in court on XX/XX/XXXX at XXXX On XX/XX/XXXX XXXX XXXX, XXXX represented PNC Bank in front of Judge XXXX XXXX XXXX from court room XXXX. XXXX XXXX explained me that PNC continue working with my case and currently it was being reviewed for Loss Mitigation. ( See copy attached ( XXXX ) Today XX/XX/XXXX I was working ( I am full time worker ) and my son send me an email ( XXXX XXXX asking me to call him " it is an emergency '' he stated. 
When I called him back he said that a man who identified himself as XXXX was drilling the locks of my basement because PNC Bank order him to do it. 
My son informed XXXX that I XXXX XXXX XXXX was still living in the property and having a short sale going on. XXXX said that he was only following PNC Bank orders and the most he can do is to come back tomorrow XX/XX/XXXX in the morning to change my house locks and perform on eviction which includes to bring a crew of men who are going to empty the house and damp all my belongings and valuables. 
I have never received a notice of vacating the property. 
I do not understand was going on please help me. 
The realtor 's attorney, who is conducting the short sale provided me with a list of actions he has been taking in a monthly basis towards the short sale. ( See attachment ( XXXX ) Please contact me or my housing counselor XXXX XXXX from XXXX XXXX XXXX XXXX ( A not for profit organization ) Home owner : XXXX XXXX XXXX XXXX XXXX Foreclosure Prevention housing counselor : XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation