milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Our Mortgage was sold to Green Tree Servicing in XX/XX/XXXX in the process at the time we was in chapter XXXX and I talk to someone at Green Tree and I ask them once we become discharged can they refinance my home because our APR is 10.50 and she said they will see well we was discharged in XX/XX/XXXX so we had some hardship my husband lost his job XX/XX/XXXX they gave me a deferment but the problem with that was my husband is a truck driver and the weather was bad last winter when he found another job so I had pay things by myself so I get tired of Green Tree sending people to the house trying collect a house payment so XXXX XXXX I talk to XXXX XXXX at XXXX XXXX XXXX and she talk to Green Tree trying get our house payment modified but they said they could n't do it because our home is XXXX XXXX XXXX and they do n't do government loans and we had to do in house get our home modified and the lady we need talk too is XXXX at XXXX EXT XXXX for modification and she the only person that can handle I call this lady about XXXX times a week and leave message but she do n't return no calls so I spoke to someone at green tree and the answer they gave me is keep trying because she the only person that can handle my loan please look into this for me because it do n't showed on my credit that I do own a house my account representative is XXXX XXXX at XXXX ext. XXXX account number is XXXX and I be talking to her so I ask for another deferment to catch our payments up and her manager did n't approved it they tried place me on payment plan to pay XXXX for XXXX months I ca n't afford that my payment a month now is XXXX the reason why they did n't approved it because we not facing any hardship and they hate waste a deferment when we do n't need it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen beginning in XXXX XXXX 2015 in which an individual ( s ) attempted to open multiple lines of credit in my name with out my consent. I reported this to the XXXX main credit bureaus some time around XXXX 2015. I still have XXXX credit inquiries on my credit report that are a result of the identity theft issue. I need those removed from 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 explanation
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My previous apartment complex used falsed dates in an attempt to collect money that i did not owe. The complex filled out a statement with the managers signature and date saying i did not owe them anything and then filed for collection 7 months later. I knew nothing about a debt until i received a letter in the mail in XXXX of this year. I was told by the collection agency that if i faxed over the paper from the apartment manger saying that i did not owe when we moved out then they would use that to dispute the said debt. After doing what was asked, they repeatedly said they didnt recieve it and were very rude and said that if i did not pay they would mark it as refusal to pay. When i went to talk to the apartment manager at the complex that says we owe for weeks she gave me different responses and even told me to come back for pictures of proof which needless to she eventually could not find. I still have the move out statement that was submitted to the agency with dates like XXXX XXXX which doesnt even exist. And i also have the letter saying i did not owe. This debt is false.

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 02-08-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Delinquent account

Complaint: I was a authorized user on a store charge card for XXXX XXXX that my mother had a account to. She passed away and the account went delinquent. They reported negative activity on my credit report even though I was not owner of the account. Furthermore it is shown to be charged off, when in fact the estate paid off the bill in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Senex Services Corp. (MI).
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: XXXX  collections on my report are wrong and should never have been put on in the first place!  1 ) Sent Senex  proof of state health insurance ( due to  XXXX  ) in  XXXX   XXXX  and explained that the original creditor failed to bill.  Senex refuses to verify this info with   XXXX   XXXX   XXXX   ( I  do n't know about  XXXX  ) in which both companies refuse to remove without the verification . 2 )  wrongfully billed in  XXXX   XXXX  by  XXXX   XXXX   XXXX  when service was canceled and equipment was returned within the 30 day satisfaction guarantee and proof of  XXXX  installation date. Very few disputes are taken at a consumers word and companies like  XXXX   XXXX   XXXX  can state whatever they want with with no proof and whether wrong or right the companies verification is always gold. This is very unfair! I have been trying to get my credit scores up and it 's been a roller coaster with huge dipps in my score. Please Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (RI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This complaint is in reference to my student loans and the current loan amount due. 
I worked as a waitress when I graduated from high school in XX/XX/XXXX and went back to the XXXX XXXX in my state after 10 or more years after high school. I worked full time and attended school nights and earned an XXXX XXXX XXXX and acquired computer skills to apply for a secretarial job. I was encouraged to continue to transfer to a four year college and work towards a XXXX XXXX. At the time I had company reimbursed tuition. I was laid off at the company in XX/XX/XXXX and that is when I borrowed funds to continue my education. It took many more years to finally finish as I worked full time and encountered other company down sizing. I did not find a job right after finishing the four year degree in XX/XX/XXXXand that is when the loan balance grew to what is now an unmanageable debt. I originally borrowed $ XXXX and now owe over $ 90K. A regular payment is {$880.00} which is more than my mortgage and currently on an income based payment which is {$420.00} or so per month. 
This payment structure is interest only and will never in this life time pay this off. I need assistance in being put in harms way due to higher inflationary interest charges at a vulnerable time. This loan is structured to be in forebearance and accrue high interest for a chance to develop experience to apply for a higher paying job.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2011 I left my XXXX husband. We had three months left on our lease and I stayed at home with my parents and paid the remaining three months. I also turned in my 60 day notice in XXXX of 2011 and our lease was up in XXXX. ( I paid XXXX, XXXX and XXXX rent ). I talked to the lease lady and she said I was all clear. After our lease XXXX XXXX signed a new lease and they did not take my name off and put in lease in my name without my permission! I found this out years later when Rent Recovery Solutions had a {$2500.00} collect charge. I tried calling XXXX apartments and they could not help because they were under new management. I called the old management company and they could not provide me any information on the lease dates etc. I have gotten this removed from XXXX and XXXX but it is still on my XXXX report. This lease was started without my permission and the charges are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: This card is like the other. It was set up without my consent. My wife even made payments without knowing. 

CAPITAL ONE, N.A. #  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX   XXXX  , UT  XXXX 
  XXXX   XXXX  
Date Opened  XXXX   XXXX  
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in  XX/XX/XXXX  and in
 XX/XX/XXXX <
High Balance: High balance of   XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX ;   XXXX   from   XXXX   to   XXXX  
Credit Limit: Credit limit of  XXXX  from   XXXX   to  XX/XX/XXXX ;   XXXX   from   XXXX   to  XX/XX/XXXX 
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX    XXXX    XX/XX/XXXX   XX/XX/XXXX  1

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (I do not know) with Amsher Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife and I arrived home on XXXX XXXX to discover a telephone message from a " Debt Collection '' agency had called and insisted that I should call them back immediately. My return telephone resulted in being transferred to several departments with no human intervention. Subsequently, I XXXX the telephone number XXXX XXXX XXXX XXXX and discovered that the number belongs to the " AmSher XXXX Collections XXXX. '' I also discovered from the numerous comments online that its aggressive tactics are to badger the individual into paying " old debts, '' real or imagined. LET ME BE PERFECTLY CLEAR : ( 1 ) our credit score has consistently been XXXX for the last five+ years ; and ( 2 ) there are no outstanding old debts ( real or imagined ) from any bank, mortgage lender, credit cards, etc., for the last XXXX years -- period! I have no intention of allowing this scam company to extort me for any moneys. I need to determine how/what can be done to stop these harassing calls and to ensure that this " XXXX '' does n't end up on some credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Transworld Systems Inc continues to call the above number, 1x to 2x a day after I communicated to them that there is no one at this number by XXXX XXXX ( spelling?? ). They continued to call daily for 2 weeks after I communicated this to them. I spoke with a XXXX XXXX at Transworld today XX/XX/2017 and again answered the same question that there is no one here by the name they are asking for and to stop calling this number. I work nights so the continued phone calls are most disturbing and a form of harrasment in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: The company below says I owe this and is threantening me to ruin my credit if i dont pay. 

XXXX XXXX XXXX XXXX Collection Department / Agency / Attorney Closed XX/XX/XXXX {$850.00} 1 Month {$850.00} Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX Collection Account Closed XX/XX/XXXX {$850.00} Unpaid MEDICAL Unpaid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Open XX/XX/XXXX {$850.00}

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 04-02-2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This account is mine and all XXXX reporting companies took my good standing credit off. 
Without my permission so please could you have them to put it back. 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 non-monetary relief
Consumer complaint received 02/14/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (WY).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX my loan was sold to XXXX Mortgage. I didn't receive any notice until after XX/XX/XXXX. I made my normal mortgage payment from out-of-town through my bank account to XXXX XXXX/XXXX  XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX I received a letter from Freedom Mortgage that my loan was sold to them. My XX/XX/XXXX payment was forwarded to Freedom Mortgage on XX/XX/XXXX by XXXX XXXX but has not been posted to my account.

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 12-09-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016 my home was sold unlawfully at a Sheriff 's sale. The foreclosure sale was illegally authorized by Specialized Loan Servicing LLC ( " SLS '' ) before the loss mitigation process was completed. Employees of SLS have admitted verbally that there is no proof that the foreclosure should have taken place since the loss mitigation process was not completed. I was assigned a single point of contact ( SPOC ) to manage the loss mitigation process since I was unemployed and recently started my own company to earn income to support a loan modification plan. Prior to the sale of the home, SLS assigned a new SPOC, but the home was sold prior to initiating a discussion with this person. I submitted all required information to SLS to support the loss mitigation process and was told that I would be informed of the decision. This was never done. To date, no decision was reached regarding the loss mitigation evaluation process and I told that the loss mitigation request was in review and no decision was made. Prior to the sale of the home, the lender, XXXX, was working with a local law firm to sell the home and kept issuing new documents that the foreclosure sale would occur on a particular date while the customer service division of SLS was working with me on a loss mitigation plan to avoid the foreclosure sale. I believe this process is called " dual tracking '' and is illegal.

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of Identity Theft. I contacted the FTC and they were very helpful in providing information as to how to help victims of ID Theft. I sent by certified mail to all  XXXX  bureaus all of the requisite information ID theft Affidavit, police report, etc ....  XXXX  and  XXXX  respoded professionally and promptly removed the fraudulent information. However, Equifax moved very slowly but finally sent me notification that the item had been removed. This was sent  XXXX   XXXX ,  2017 . I mailed off the information to them  XXXX   XXXX ,    2017  by certified mail. I checked my credit report on  XXXX   XXXX ,  2017  and the  itm  is STILL SHOWING. I called and was treated very rudely and put on hold for what totalled about an hour and I was told a bunch of lies. I can not believe the lies and deceptions. They stated that they would remove it within  48  hours of  XXXX   XXXX ,  2017 . The item is SILL showing and all the reps are rude and obnoxious. They in clear violation of FCRA laws are still reporting the fraudulent account on my credit profile. Please Help as they are adding salt to my wounds.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We have a bill for XXXX that was turned into Receivables Performance Management they have been calling me continuously I have spoke to someone from there 5 times and have told them I would pay XXXX a week beginning XXXX XXXX and they continue to keep calling they tell me they have it taken care of and then I get another call saying they show no arrangement or whatever. I got a call last night and again today the one today said that I had to give them my debit card information in order for an arrangement to be done I told them I will not give them that information this was also the first time anyone from there has told me that so they said the phone calls would continue. I feel I am being harassed by this company I have tried to make arrangements to settle the debt they tell me they have it done but continue to call me and it 's the same thing everytime also I dont have to give someone my debit card information to make arrangements on a bill. I 'm tired of the constant phone calls and the stress of it all and I feel something needs to be done with this company

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 06/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX. My mortgage company is Ocwen Loan Servicing. My loan number is XXXX. I have over XXXX in surplus in my escrow balance. My property taxes are less than XXXX a year. Last year they paid out XXXX. But I got a letter stating they are raising my escrow on my mortgage to XXXX a month making my mortgage to be XXXX from XXXX a month. I have sent emails and I have also called with no one to assist me. I have ask to speak the escrow department and they informed they do not accept calls. Their call center is located in XXXX so there is language problems on the phone calls of each other not understanding each other. I have also ask to speak to someone in XXXX but they have denied me that right. I just want my loan to be corrected. So can you please help. I will sending also copies of the letter and escrow activity statement they just sent me in the my email last week. I wo n't be able to keep my house paying out XXXX. My house is only worth XXXX now. 
ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Late fee

Complaint: I set up a payment with Comenity Bank/XXXX for a payment to be deducted from my account in early XX/XX/XXXX for {$400.00} to be paid on XX/XX/XXXX. I noted a few days ago that the payment had not been deducted from my XXXX account. I checked back with the Comenity Bank web site and noted that I was now past due. I will be charged {$37.00} for a late fee as a result. {$37.00} is an exorbitant fee for a late payment. I spoke to a CSR and they said they could not remove the fee since I had already had one removed in the past 18 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX/XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXXXXXX inquiry date : XX/XX/XXXX bank credit cards i have n't applied for XXXX XXXX XXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  Capital One put 5 different inquiries on 5 different dates on all of my 3 credit burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that does n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting student loans accounts multiple times as closed accounts, transferred accounts & delinquent accounts giving a false total as bad accounts. Their reporting caused my credit report to dive by XXXX points in 30 days. In truth, the following accounts have been deferred or transferred to a new company & are all in positive standing : XXXX Other account that appears as negative are the followings : XXXX : Has incomplete, incorrect and inaccuracy information. Never has been paid late and the report establish that was pays as agree. 
XXXX ; incomplete, incorrect and inaccuracy information. This was a secured account and is impossible that was paid late. The credit report established that was paid as agree.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: After 10 years, Ocwen Servicing Loan has increased my loan {$300.00} on an arm loan. The interest rate on the loan remains the same. This is an investment property in which I paid my loan on time for 10 years. This company is now making my loan not affordable. I do n't know if this is legal

Company response to consumer: Closed with explanation