milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/2015 I hired a law firm to do a modification on my loan because I was having problems with my mortgage payments from XX/XX/XXXX to XX/XX/XXXX I did 3 trial payments XX/XX/2015 was my 1st normal mortgage payment, in XX/XX/2015 my mortgage company made a mistake applying my XX/XX/XXXX payment to the mortgage principal And they admitted to the mistake and they told me on a recorded phone conversation that they were going to fix and reverse there mistake, then around 8 months pass by and I get a call from the mortgage company telling me that I am pass due 1 month due to the monthly payment they did n't recived back in XX/XX/2015 the same payment they admitted they made a mistake on in that same call they told me that they were going to open an investigation regarding this matter they told me to wait for a call from there supervisor, I get many more calls from many persons from this mortgage company all of them telling me that I am pasado on up to 2 monthly payments when I sent them proff that I have sent all of my payments on time. I have never heard the results of there many investigations that they have performed on my situation. Since then mi credit score has dropped a lot and the late fees keep on staking up. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Collection agency has falsely reported on my credit report.I had this same issue happen in 2015. The same creditor has referred account to another collection agency. All the circumstances are the same. I wrote my state dept. of consumer services and the suggested I contact you. I have also filed a dispute with the credit reporting agency and the collection agency. I would really appreciate some help. My credit score is severly lower due to this problem. This is such an assault to an individual both financially and emotionally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Network Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I use to live in XXXX, CA XXXX XXXX XXXX XXXX. I stayed there with a person who is now my ex. When we went our separate ways I asked the utility companies to disconnect/discontinue service at that location and establish service for a new location. 

The XXXX. XXXX. XXXX XXXX claimed that an adult over the age of XXXX requested to keep the service on in my name even after I had asked for the services to be discontinued there. They told me that it did n't have to be me, and that any adult could make the request without my knowledge and consent. 

The balance from that location as well as my new location was combined after the other party moved. My gas bill was {$330.00}. and I could n't pay the entire bill at the time because I was a XXXX. 

XXXX 2013 the account goes into collection and is given to Financial Credit Network on behalf of the XXXX XXXX to report to the XXXX major credit bureaus. Financial Credit Network does n't purchase debt. they just report for their clients. 

After many years of disputing the information, with no favorable results. I decided to pay the debt and so I sent a certified letter via The USPS ( That I 've Attached ) along with the full payment to settle the account. The letter basically said that upon cashing this check that you agree to the terms of this letter. The terms are : 1 ). Remove derogatory information from my credit reports. 2 ). Show in your system as paid in full. 

The XXXX XXXX along with Financial Credit Network did XXXX of the XXXX things they showed it as paid in full, but failed to remove the item from my credit reports. 

I have both the canceled check and copy of the letter sent. They agreed to the terms and now are back peddling and trying to avoid honoring the agreement in the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX was once deleted on all three credit reports ( experian, XXXX & XXXX ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!

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 12-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am submitting this new case regarding incorrect information on my credit file. I had submitted a case regarding this issue almost 2 years ago ( XXXX/XXXX/XXXX ) under case XXXX. There were additional cases opened ( XXXX, XXXX, and XXXX ) all regarding this matter that transpired from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. This debt was never validated by the company. They also failed to send me proof that this was valid. I requested numerous times that this issue be resolved and the collection agency continued with harassing phone calls in an attempt to collect this {$140.00} debt. I was under the impression that this issue was resolved in XXXX, however it appears that in XXXX of XXXX, XXXX added this collection account back to my credit report. This needs to be removed and not allowed to be added back to my account. 
Please assist in resolving this issue. I am attaching the original letter sent to XXXX and a copy of the collection account on my credit 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 non-monetary relief
Consumer complaint received 03-05-2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from Stellar Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Stellar Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SD).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Ditech and have been overcharged {$1900.00} for a monthly mortgage payment. I notified Ditech of the overcharge right away and it has been two weeks now and I still have not been refunded the money. {$2000.00} is a lot to me and I need to live on. If I am overcharged I expect the money to be retuned within a couple of days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a address on my credit report I never lived T

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This concerns XXXX credit card and their administrator Citigroup. My due date for this card is the XXXX. I began receiving calls from an XXXX number as early as the XXXX, perhaps the XXXX. There were 2 calls to me on the XXXX one left a message. I called them on he XXXX I was unaware that I had missed a payment as I generally pay online and thought I had done so. They were pretty rude on my call to them. The call was more a tone of delinquency than a 3 day oversight. This is not the first time that I encountered this with Citigroup. I immediately contacted their customer service and got a runaround. I asked to speak to a supervisor to get to the VP in charge of collections. Was told that it was XXXX XXXX. She would not or did not know ( really lame ) the contact info for him. I went online after that and after about a half hour was able to ascertain that informations.I emailed XXXX XXXX and he had someone contact me. The young lady was very nice but incompetent. She could not add anything positive to the narrative.The level of knowledge within Citigroup 's customer service and their collection department is POOR to say the least. More education and initial collection contact that more closely aligns itself to the timeline is NECESSARY! A friendly reminder is what's needed here.

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 03-05-2017 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from PROCOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PRO COLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 01/16/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: We were formerly with Greentree, then they changed their name to Ditech. We have been trying to modify our loan since XX/XX/XXXX. We have submitted information multiple times, and have scanned documents to support this. I would be more than happy to transfer all of the documentation to you, but there is a LOT. We received a letter from them that finally after multiple faxing and sending paperwork in via certified mail on XX/XX/XXXX that they had finally received all of the necessary information. Then on XX/XX/XXXX we received another letter stating that our request was denied as " we had n't sent in all of the pertinent information. On XX/XX/XXXX we uploaded a completely new packet ( 3rd try ) and were told today that the file was closed on XX/XX/XXXX and that our account has now been transferred to XXXX ( a new company ) We want to keep our home. We are very delinquent, not because we have not tried to fulfill their requests, but rather because we are getting the run around. We have received letters every other month with a different account representative, and multiple requests for information that we already sent in and have fax confirmations of receipt. Any assistance you can provide would greatly be appreciated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: 1. Tried to log on to website mysynchrony.com but was not able to get through due to account number not matched with username. Username was recovered through matching account number. Tried to reset password but was denied and was asked to recover password by asking security questions. 2. Password recovery was unsuccessful so called customer service. 3. Customer service could not match last four social security number with account number on file. I asked the representative what information was on file but she denied. I gave her my wife 's last four social security number as well and was still unsuccessful to get through. She also states that she was not able to reset my password without the correct social security number provided so she recommend that I send her a photo copy of my driver 's license and social security card to their office. 4. I told her to let me find out more information and will call back to arrange payment. 5. Two days later, a representative calls my boss looking for me to arrange a payment. So it was curious to me how they have my boss as a contact and not me on file. I spoke to a representative and they denied ever calling my boss. They said their was n't a phone number on file. I asked what information was on the profile because they have spoken to me and my wife within the past 3 days and was never asked to update our profile on their end yet they have access to contact my boss to arrange a payment. Never once did me or my wife, the account holder, was contacted by phone. 6. The representatives are confused over simple questions and can not answer any question. Only reply from them is " I am not able to release that information to you '' or when asked to speak to a manager they tell you " they can not help you ''. 7. I have had this account for almost 2 years and was never late all of sudden I can not access my profile online on their website. Can not speak to anyone on their end to reset my password or to get information on what is social security number is under my name. Yet they have the information to get a hold of my boss to ask him to arrange a payment. 8. I fear this company does not have the correct information under my name and my wife 's name. Also the person who has the social security number on my profile may report identity theft and we will be accountable because syncrony bank has the wrong social security number on file under my name and my wife 's name. I have paid off all the balance and closed it on XX/XX/2017. When asked by the manager over the phone as to why I wanted to close the account, I stated " you have poor customer service and you have the wrong information on file ''. I was given a reply that those were not an option I can give.

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 01-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Midwest Recovery Systems (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is an official dispute of debt. 
1. ) The creditor is a computer that has generated a fraudulent debt of {$210.00}, filed with the XXXX major credit bureaus, XXXX. 
2. ) The creditor can not provide a singed agreement between the original creditor and the alleged consumer in compliance with Fed. R. Of Civ Pro. 4, ( Probable Cause ). 
3. ) The creditor can not provide a copy of the alleged " Notice of Service '' that the alleged original creditor mail to the alleged consumer in compliance with Fed. R. Of Civ. Pro. 4. 
4. ) The alleged creditor can not provide a singed '' Affidavit '' validating that is not a computer. 
5. ) The alleged creditor has my email address, my date of birth, my SS #, my phone number, previous home addresses, present home address, back acc information, but seeks to validate the alleged debt, by confirming my personal information the the consumer did not provide to them. 
6. ) The debt notice filed with theXXXX major credit bureaus is slander, libel, tax evasion, money laundering, mail fraud, identity theft, cyber terrorism committed across the state lines of XXXX and XXXX, for which make these claims violations of federal rules of procedure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Bank account or service (Checking account) with NETSPEND CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: REFUSE TO PROCESS CHARGEBACK ON BILLING ERROR. {$510.00} CHARGED ON XXXX/XXXX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently signed up to credit karma so that I can repair my credit. I noticed that I have XXXX hits on my credit from a collection agency regarding unpaid medical bills. I always have had medicare any time that I had seen a doctor. I contacted medicare and they said they do n't see any money owed. I asked the collection agency to give me the name of the doctors that they claim I owe, and they told me they do n't have that info that its medical data and that I owe that money to them. Please help, I did not visit these hospitals at all and if I had my insurance covers XXXXpercent. 

name of collection agency CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2015 WAS LAST REPORTED {$1500.00} {$3800.00} {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: I regularly deposit paychecks in XXXX XXXX ( XXXX ) into my Citibank bank account. Citibank first deposits the checks as if they had been made out in USD. Then they correct the amount by subtracting the difference. However, they do this before making the deposited amount available. They typically hold an excessive XXXX weeks before making the amount available. Where do the get the money for the difference? They deduct it from the balance already in the checking account, rather than adjusting the deposit amount. This has created an overdraft and left me without my own money on two occasions. Citibank has first refused, then relented, on two occasions, to waive the overdraft fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Fairway Collections, LLC (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Fairway Collections is suing me for a debt incurred XX/XX/XXXX. The debt was for {$160.00}. They garnished my husband 's wages and collected {$230.00}. They did n't garnish anymore and thought the debt was paid. Then, in XX/XX/XXXX they attempted to garnish again and we made a payment agreement paying another {$150.00}. ( at that time I was suffering from the effects of XXXX XXXX XXXX ) Again, we thought our obligation was finished. Now they are attempting to garnish my husband 's wages again for the same debt and this time have tacked on interest, court fees, etc. for a grand total of {$1500.00}! That is 12 times the amount of the original debt! We offered them our entire income tax return of {$400.00} and they refused! Please help us. My husband just got a new job because his company is closing. The new medical insurance is unaffordable for me and being a XXXX XXXX survivor it is very important for me to have insurance. We were in the process of purchasing insurance for me but the collection agency will take XXXX % of my husband 's paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Credit decision / Underwriting

Complaint: Loan officer at quicken loans did not explain fees up front and lied when I directly asked the question about fees. She eventually apologized saying she misunderstood. Once I submitted my application and submitted my {$500.00} appraisal deposit she refused to order the appraisal saying I need to submit all my documentation to order the appraisal. I know this is not the case and want them to start processing my loan or the sellers agent said they will terminate the agreement. I also need to get a credit decision for their special loan program and told the loan officer if I do n't qualify for that program I would not use them. I think she is stalling to get closer to settlement date so I do n't have the option to start elsewhere. The loan officer said I was approved for the special program even though she is not an underwriter and did not have an underwriter look at the file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made additional payments towards XXXX specific loan each month : I would choose the 'do not advance my payments ' option but each month when the automated debit would be drawn from my account, the monetary value towards my loans would be re-allocated across all loans and not put towards the loan that I had made an extra payment on. Hence the money was not put towards the principle of the XXXX specific loan, but spread out over interest of all the other loans. This happened every month from XX/XX/XXXX, to XX/XX/XXXX I would call every month and have it fixed, and complain that I call monthly, then it was finally fixed in XX/XX/XXXX. I worry that the additional payments, or the large payment I made before payments were required, ( prior to XX/XX/XXXX ), were allocated incorrectly. 
It was a {$10000.00} payment, so if it was done incorrectly it would help a great deal to have that looked at and fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech, In response to Ditech back in XXXX they say they have n't received my modification information. I have proof we sent it with a return receipt. They also stated in XXXX they need 60 days to review my file. Its well passed the 60 days and I still have no answer. My attorney and I cant seem to get any cooperation from them. Can you please respond to me with some answers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation