milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Debt collection (I do not know) with CITIBANK, N.A. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XX/XX/XXXX, CitiFinancial claims I had a personal loan with Citi Financial for {$5400.00}. 
- In XX/XX/XXXX, they stated there was an agreement where a term of no interest, penalties or fees on the remaining balance ( 2 years old ) and monthly automatic payment were withdrawn from my bank account. 
- At some point, the auto withdraw was stopped. I assumed the debt was settled. I never was notified about any other dept or balance. 
- They ( Citi Financial ) told me today that on XX/XX/XXXX, they did charged off for the balance of this account. 
- In addition, they ( Citi Financial ) said on XX/XX/XXXX Citi Financial filed and received a Judgment in the amount of {$5.00}, XXXX. More than the initial debt and no credit for monies paid. 
-I bought three different homes. All three were through XXXX XXXX. Both myself and my load officers contacted Citi Financial and was told no debt was on file and no outstanding debt was owed. These documents were part of my loan closing. In addition, the three credit bureaus removed the information from my credit report. 
- Now, here in XX/XX/XXXX, they are sending me a " Notice of Forgiveness '' for the amount of {$2600.00} ( 9.75  years Later? ). I will be given a XXXX for that debt. 
Should I not have gotten this XXXX when the alleged account was Charged off in XX/XX/XXXX? Or, some attempt to collect in XX/XX/XXXX? How much were the automatics payments taken from my bank account? 
- I am disputing this attempt to issue me a XXXX on the alleged account and the balance of {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Green Tree Services LLC/now Ditech in 2014. Since then my monthly mortgage payments that I make on a timely basis have not been applied correctly, they have been misappropriated into a " Funds In Suspense Balance account ''. Because the funds are not applied correctly, I receive multiple harassing phone calls from Ditech on a daily basis to bring my account current. When I speak to the representatives that call me, they scream, holler and belittle me. When I try to contact someone at Ditech ( each week they give you a new account manager and they have no idea who you talked to previously or what the problem is with your account so you have to start all over again and explain to them what the problem is ), you are put on hold for long periods of time, directed to someone 's voicemail who has no idea what is going on with your account, and disconnected. My account is current and paid up to date yet notices have been put on the door of my property from a company called XXXX XXXX XXXX XXXX that is contracted out by Ditech to check on " their property '' to make sure it is being maintained. No legitimate mortgage company takes these kind of actions to ensure that they get their monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This company contacted me via mail saying that they were collecting a debt on behalf of XXXX for an account that is 3 years old that I never had. They said if I disputed this information to write them within 30 days and I did. I received another letter from them on XX/XX/2015 stating the same thing and to respond within 30 days. I have credit monitoring and on XX/XX/2015 less than 30 days they put this item on my credit report anyway after I have disputed in writing once. They never sent me any paperwork regarding this matter and they are wrong to report it anyway. I am not able to scan the letters they sent and that I sent but I am more than happy to fax them or mail them if needed. My credit is overall good and this account is seriously causing me financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have  XXXX  private smart option loans with Navient. The interest rate on  XXXX  loans are 8.75 % and the other is 10.75 %. The 8.75 % loans are in the amount {$50000.00} total and th e 10.75 lo an is {$36000.00}. When I graduated college in the   XXXX   of  XXXX , I had trouble securing a job that could help me repay my loans. After 6 months of graduating, I started to receive back to back calls from  Navient who threatened me to pay back over {$900.00} a month on my loans. My co-signers, are my retired gr andmothers who live on a fixed so cial security income and can not help me. I 've tried to lower my payments various times, but Navient wi ll not lower the payment amount to a number I can afford to pay. In  XXXX   XXXX  I have finally started a new job with better pay and have communicated with Navient that I need time to catch up on my finances and have even paid deferment, but they are calling me every other hour from  XXXX  to  XXXX  threatening me to pay and outrages amount. There are no options for me to lower my payments every time I speak to a loan customer service representative  at Navient. Navient tactics are to threaten people and harass them to pay. This company does not factor in financial circumstances, income, or the job market.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (I do not know) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I submitted my original complaint about a month ago ... .still waiting on a resolution from XXXX ... .they have been very slow about getting back to me and giving me the information I have requested now ... ..2 times in certified mail ... ... .8 times verbally ... ..now 2 times with the CFPB. 
They are trying to collect about {$7400.00} labeled as ... .corporate advance, for fees that are not mine. They told me it was for either construction without permits ... ..which is untrue ... .. I have and submitted twice ... ... .or for foreclosure ... ..of which I was never in foreclosure on my property ... XXXX XXXX XXXX in XXXX XXXX 
They are dragging me along with no solid answers as to what the actual charges are for.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax refuses to give me my annual online report, while XXXX and XXXX had no problem giving it to me. Equifax says " can not deliver your online report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AmeriCollect (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: AMERICOLLECT INC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 06/23/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
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: On  XXXX / XXXX / 2017 , I made a payment toward my car loa n ( my  payment is typically due on the  XXXX  of the month ). I was advised on  XXXX / XXXX / 2017 , that my payment was returned and required me to make a payment to bring the account current. The payment was made and I though nothing of it. On  XXXX / XXXX / 2017 , I received a notification from   XXXX    advising that the account was 30 days past due. When I contacted customer service I was advised that the company reports to the credit bureau on the  XXXX  of the month. I asked for a removal of the 30 day late because I did not understand this internal process and was declined. My payment history with the company is otherwise great.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My LLC called XXXX XXXX, XXXX filed bankruptcy, signed a Stipulation with Chase, and successfully got out of BK, on XXXX XXXX, 2014. Chase refuses to follow the orders of the XXXX Court. They refuse to honor the split or bifurcation of the loan in XXXX parts, a secured part and an unsecured part. Because the unsecured part had a Court approved dividend of 2 %, which is very low, Chase made a fraudulent XXXX stating that they cancelled the unsecured portion of the loan. They are defrauding the IRS with this false " credit '' for their tax return, and defrauding me by stating that I have to pay Income taxes on the so-called Cancellation. XXXX XXXX XXXX. E-mail : XXXXXXXXXXXX. My mailing address is XXXX. XXXX XXXX. XXXX XXXX, CA XXXX Chase Loan number XXXX Property address ( but not mailing address ) XXXX XXXX XXXX. XXXX XXXX, CA XXXX ( Loan has supposedly been sold to XXXX, but is still serviced by Chase ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: Chase bank closed my savings account,and sent my money to the state of Texas,without my authorization,or even telling me. When I got my monthly statement it was just gone. This is my life savings.They are telling me I have to file a claim with Texas and it may take 3 To 4 months and cost over 500.00 dollars in processing fee. I feel like I am being scammed. Chase has made a huge error and expects me to correct. very unfair and I will never trust them with my money ever again. Big banks don't care who they hurt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2017 about Debt collection (Mortgage debt) with VANDERBILT MORTGAGE & FINANCE, INC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I had already sold my home  and Vanderbilt Mortgage had been contacted by the closing company for the payoff. It is a cash sale. On the   XXXX  of  XXXX    XXXX   a young woman named  XXXX  called me on the phone stating I would have to pay  XXXX  on my loan or they would start foreclosure next week and I would be responsible for legal fees I got a foreclosure letter today on the  XXXX  and discovered I had until the  XXXX  of  XXXX   XXXX  to bring it up to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Medical debt) with Capital Accounts, LLC (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company has been calling every phone number we have for 2+ years and we have told them numerous times to stop calling and that the debt is invalid because it was coded incorrectly at the medical office or the insurance would have paid it. This is a company that bought the debt so they do not care. Every phone call was abusive on the collectors part including yelling, offensive language and threatening us by telling us he will call as much as he feel like calling. We have told them this is disputed and we will not pay. I finally mailed a cease and desist letter " certified '' on XX/XX/XXXX. I have receipt that it was received and they still call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (FHA mortgage) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was denied a loan modification from my bank. I was not given a detailed explanation over the phone by bank representative XXXX. Also I did not receive anything in the mail about my loan modification being denied. If I did not call in to ask I would have not known anything. XXXX said they have to mail me a letter because she could not see a denial letter in my file that she could have emailed to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved from XXXX to XXXX in XX/XX/XXXX. My old cell phone company at the time ( XXXX ) did n't work at my new home, so we reached an agreement to quit my service so I could switch to a cell phone provider that works. Since XX/XX/XXXX I 've had XXXX, just passing my 6 year anniversary with the company in XX/XX/XXXX. In XX/XX/XXXX Convergent Outsourcing Inc which I believe to be located at Convergent Outsourcing , Inc . 
XXXX, XXXX, XXXX, AZ XXXX, placed a collection in my account representing XXXX for {$520.00}. This practice of placing a false debt on someone 's credit reports is illegal. Even more illegal is misrepresenting the time period of account in question. The collection account in question has been placed on my XXXX and XXXX credit reports and has no representation of my credit worthiness, and I 'm now stuck with a sub par credit score and one of the worst possible statuses on a credit report. Because the collection is so recent, it factors deeply into my credit score and has caused me a burden of applying for credit in the future. 

This account needs removed from both credit reports as it is false debt that has been misrepresented by this company. 

I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed several accounts, several times with Experian and they keep showing it as verified or remains. I have contacted the creditors directly several times for information regarding these alleged debts and they have been unable to provide me with anything to prove these are my debts or they completely ignore my requests entirely. 

XXXX 
XXXX 
XXXX 

I am requesting information on how Experian conducted their investigation into my previous dispute ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Items where deleted from my credit file and added back, I disputed the items and provided supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I need for this address to be removed from my credit file   XXXX   XXXX    XXXX   XXXX , SC,  XXXX  My current and only address is  XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  I have attached the drivers license to this complaint. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ConServe (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is reportinig inaccurately on my credit report. There are several accounts that are not mine.This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: On  XXXX  without my knowledge or permission my son 's lawyer 's sister who owns a   XXXX   XXXX   XXXX   got a first cash out refinance for $  XXXX .   On  XXXX  without my knowledge or permission my son 's lawyer 's sister got a second cash out refinance for $  XXXX .   On  XXXX  without my knowledge or permission my son 's lawyer 's sister got a cash out refinance for $  XXXX .   The lawyer opened up a new checking account under my name at my bank and put all the cash out money through this account. The lawyer then wrote checks to himself for a total of {$600000.00} and filed my personal bankruptcy without telling me. When I told the the Bankruptcy Trustee I signed none of the papers and did not prepare the bankruptcy papers nor had knowledge of the contents and that I did not know why I was here the Trustee allowed the lawyer too keep the $  XXXX  earned upon receipt and my home went to foreclosure sale. The bank fraud dept. confirmed fraud and that I neither applied for the loan, could never pay any of the monthly payments and did not apply for it and did not get any of the cash outs they nevertheless foreclosed on me and made me homeless since   XXXX  . I can only write and speak  XXXX  and was out of the country when these loan papers were signed by someone. My husband was   XXXX   XXXX   XXXX   when these loan papers were signed in  XXXX   XXXX , CA. I hired  2 lo an modification lawyers that took {$98000.00} cash up front and my new  XXXX  car for collateral and immediately sold my car. They were both disbarred and I never hired these lawyers to do any work for me other than a Livin g Will T  rust w here they got my personal information to prepare a loan application. I am  XXXX   XXXX   XXXX  and do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: EXPERIAN AND XXXX REFUSED TO UPDATE MY PERSONAL INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is reporting an XXXX XXXX account with a balance of {$14000.00} on my credit report that does not belong to me and is result of a mixed file. I recently received my most up to credit report which shows that the address ID linked to the XXXX XXXX account is one that is not mine. I have one address on my credit report which is accurate and the address ID associated with this account does not match the address ID associated with the XXXX XXXX account. I have disputed this account before with Experian however they continue to respond stating " We have investigated the account and verified that it belongs to you ''.

Furthermore, I am unable to contact Experian by phone to express my concern regarding the address ID discrepancy because they are currently not allowing me through to their call center to speak to a customer service representative. So far I've called Experian 10 times at ( XXXX ) XXXX, each time when asked to put my social security number, zip code and address in I am redirected to another automated system which states " ..we are unable to process your request over the phone, please mail your request ... '' then the phone disconnects. This in and of itself is a violation of my consumer rights, according to the FCRA it states all consumers should have access to speak to a live person at consumer reporting agencies regarding their report.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation