milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2015 about Consumer Loan (Installment loan) with Monterey Financial Services LLC (FL).
Issue: Managing the loan or lease

Complaint: To Whom It May Concern : I am formally filing a complaint against Monterey Financial Services for XXXX actions that violate my rights as a consumer and fair debt collections practices acts ( FDCPA ). Monterey Financial Services has provided false statements to XXXX and XXXX trying to collect debt by misrepresentation the amount I owe. XXXX has both regular account and a collections account while XXXX only has the regular account. The amounts stated were to be principal and interest but later were told that collections fees were involved. 

Second, Monterey gave false credit information to the credit reporting companies about their collections and amounts paid. How did XXXX come up with a balance owed {$5200.00} on XXXX XXXX, XXXX? That is what XXXX states in my credit report. 

Third, Monterey is charging fees of {$20.00} per month, late fees, interest and other collection fees that I have asked for in writing but Monterey refused to provide. My contract does n't allow for them to collect collections fees, a {$20.00} per month other fee, and interest on top of everything else. This is a breach of contract and therefore Monterey should have to pay for failures. 

I have attached letters written by myself on different occasions to get the necessary explanation for the charges. I have attached a copy of the agreement along with how Monterey applied my payments. I have asked repeatedly for an account analysis and summary. However, Monterey has refused to provide such analysis and understanding of the charges and fees. 

I have paid {$200.00} per month from XXXX XXXX through XXXX XXXX which is not shown to any of the credit bureaus and should be reflected. As of XXXX XXXX I will not be paying anymore payments to Monterey since Monterey has breached their fiduciary duties as mentioned above. I have consulted with an attorney, credit specialist and I performed my own research about Monterey 's practices and behaviors to conduct this thought out letter and analysis. 

Thank you for your time and I look forward to your review and analysis in the next 30 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 06-07-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (WA).
Issue: Incorrect information on your report

Complaint: My compla int is about Ditech Mortgage company,. It has been a nightmare trying to communicate with this company. My husband and I are tired of Ditech rep orting us late to the credit bureau agencies.  <P/> This has been occurring for years and the most recent was  XXXX   2017 . We schedule payments online so we will not be late. Years ago, I will mail a check on the  XXXX  of the month and they would say that they did not receive it until the  XXXX . Which would make us late.  <P/> We decided to make payments online because of this reason, and we are still being reported late.  <P/> I called the customer service and the agent told me that the system does not recognize when you make a payment early. We started making payments between  XXXX .  <P/> 
Ditech has so  me shady practices and they need to be investigated seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: When my loan was transferred to Ocwen the balance on my loan was increased by nearly {$25000.00} with no reason. 
Ocwen told me that is the balance they were given when they took over my loan. 
I asked for proof but they said they had no way of getting the history on my loan since the other mortgage company was closed. 
How can they do that? Should n't I be able to get the history on my mortgage? 
I know that the loan on my House is transferable but I should be given something other than here is the new mortgage company & where to send my payments. 
Ocwen Mortgage has never been helpful on this matter and I do n't know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (I do not know) with National Enterprise Systems, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Frequent calls/answering machine messages. ( Too many to document. ) Callers were a mixture of live humans and robocalls. 

Callers never left threats or used bullying tactics, but did heavily emphasize the debt collection nature of the call. 

Callers never used personal identifying information ( i.e., " This is a message for XXXX concerning debt collection. ) Callers were all from National Enterprise Systems.

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 11-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion improperly updated the information provided by the XXXX XXXX company on my credit report. They updated all but XXXX of my Student Loans to state " deferred due to forbearance ''. The XXXX organization provided me a credit reference letter to validate all my loans were in a in-school deferment status. Additionally, they identified XXXX student loans that would go into forbearance XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX for a loan realignment. I provided the letter to Transunion and they refused to accept. I called XXXX and they offered to due a conference call with Transunion but Transunion refused. The XXXX organization sent Transunion an updated status on my student loans and my credit report still has not been updated. Attached is my credit reference latter from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have a ongoing dispute that was file inXX/XX/2017 with XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. This account was under dispute for several inaccuracies that were never addressed or responded to. I request an another investigation.

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FRCA- they are required to " ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as soon as possible. 
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 09/21/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Was recently denied a credit card due to having delinquency/bankruptcy in my credit report. This has never happened to me. I went online to try and get my credit report and all questions to verify my identity at Equifax were entirely wrong- referencing mortgages I never had, paymants I 've never done, retail cards I 've never owned and more. It never accepted " None of the above '' for any of these. I reached out to Equifax, faxing them my drivers license and change of address form, to tell them that 1 ) I 've never been bankrupt, and 2 ) Every question they have on me is entirely wrong. I 've not heard back from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Shopping for a loan or lease

Complaint: USAA advertised a 1.49 % 24-month new auto rate. I applied and was given a rate of 3.15 %. 

After calling, I was told that I was extremely qualified and they did n't know why I did n't receive the best rate. They then gave me a different rate, which was lower, but still not the top rate. 

I was sold I had a near XXXX FICO score, great income, etc. and no one was able to tell me why I did n't qualify for the top rate. 

I believe this is a UDAP violation and needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I reviewed my credit report and saw that I had a public record for a tax lien, unaware of this I contacted the state of Georgia, they advised me that this was done in error and sent me the paper to send to the credit agencies because they was n't able to remove it, the credit bureau had to ... I sent it to all 3 bureaus and was deleted from my report .... that was years ago! All of a sudden equifax has reported this again making it reappear on my report after they deleted. How can that be legal? How can they delete it knowing this is a error and years later report it again?! I disputed online and they claim it 's verified to be mines. Not once did I say it was n't, what I 'm disputing is the fact that it should n't be reported and I provided them that proof from the state of GA and they deleted only to come back years later to report it again. If they do the research and see that the information was sent to them cause if it was n't it would n't be deleted in this first place. The business practices that equifax is doing is unjust and also is against the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: on XX/XX/2016 we was told by a guy that came to our front door that our loan on our home was sold, to nationstar mortgage, and was told by this guy that he was from XXXX and he would collect XX/XX/XXXX payment, we gave it to him, he gave us paperwork from nationstar that our other payments go to them, he left and we called nationstar the guy on the phone said yes, and that we didnt half to make a payment for 90 days because they dont have our loan yet, but later found out we was told wrong by him, now were in forecloser because of this., and was told by supervisor later that she was sorry he told us wrong, and that they would fix this, to file another loan modification to fix this problem, but was denied because was given one by XXXX in XX/XX/2016,

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 've been dealing with XXXX XXXX for school loans which were then spun off to Navient. During all my dealings with both of them I 've always had conflicting statements for balances due/remaining. I 've entered into a 'steps ' program as they call it where they 've dropped my interest rate and therefore my payment to a lower amount ; the spin off to this is that they set up ALL payments for the following 12-15 months in advance. When I visit the webpage online the amount paid shows up but does n't reflect the amount owed on the accounts. I 'm told its something they do differently internally so the site wo n't perfectly reflect it. XXXX pressured me into taking out all of these loans in the first place without my understanding of what I was signing. I 'm unable to tell if their program for reducing my payments is only further increasing the debt I owe. In order to reach someone at Navient for help anyone calling is forced to first deal with a voice system that only understands the words 'make a payment ' and forced to hold for a long time. When you do reach someone, they 're so compartmentalized in what they can do that any inquires have to be transferred around to other departments forcing whoever is calling to wait even longer, and different staff have different answers to questions that it does n't seem they 're qualified to answer. I hate that I 'm forced into dealing with crippling debt and the incapable lenders because of XXXX 's brutal money hungry loan mongering and false promises which they 've failed to deliver on, further forcing me into debt and choosing between paying a personal loan bill and ensuring things like medical and dental needs are properly addressed. I 've had to defer payments already at one point when they were completely unwilling to work with me when payments were WAY too high. Without the reduction I 'm on now I would n't be able to afford a home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TN).
Issue: Settlement process and costs

Complaint: Our home was hit by a tornado on  XXXX   XXXX ,    2017. Our i nsurance company attempted to give us a check, but had to reissue  it because PNC mortgage company never notified them they bought our loan. Once we finally received our check, we had to submit it to PNC mortgage company ( even though we own more than 2/3 of our home, we owe less than a 1/3 on our home ). We have made multiple attempts to reach the Loss Claims Dept. of PNC. I have  been on hold for ov er 4 ho urs and was never able to speak to a representative. I have called the customer service department and they always inform me someone will contact me back within 24 hours. We are trying to make the repairs to our home, but can not reach the bank to have them issue the checks to the contractors. We have multiple contractors and they want each contractor to submit paperwork that is notarized. We have paid a few of the contractors with our own money and want to get reimbursed. My  XXXX   year old  daughter is having to receive counselling after the tornado hit our home ( we were home when it happened ) and because our home still is in such disarray. We just want to have access to OUR own money that the bank is holding. They are making the rebuilding process impossible which is causing us a great amount of stress. To this day, we have not received one penny from the bank because we can never reach a ny one in the Loss Claims De partment. We believe they are holding the money and collecting interest on it.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In response to closed complaint number XXXX - the name of the debt collector was incorrect in my complaint, not sure how that happened. Again, this {$75.00} is not even the issue, I can pay it just to rid myself of this paid debt, but now it 's gotten personal. I paid this in 2012, we proved it back then, and it reappears every other year, then goes away, but this time it 's not. The name of the debt collector this year is COMMONWEALTH FINANCIAL SYSTEMS, it changes frequently. Like I said, I can pay this easily, but now after wasting so many hours trying to get rid of these pennies, I feel they owe me XXXX  dollars or more for my time. I would like to reopen the above case number and file the complaint on the correct debt collection company.
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  along with XXXX  and Equifax are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Good Morning, I am a borrower fro m Navient,   previously known as  XXXX   XXXX .   They are the worst.   I requested a loan 10 years ago, made payments over the years, and the loan has actually gone up! But that 's a different issue all together.   I requested a copy of my master promissory note to understand why the rate is rising rather than going down. At this rate, I will never pay of my student loan. I will continue to make {$45000.00} a year with {$14000.00} a year in student loan payments, ineligible for any assistance in anyway.   With the promissory note came t he Cover Letter  for the initial request for the promissory note. On the cover letter is my social security number and the social security number for another individual I DO NO know! At this point I can not trust them that my loan payments have even gone towards the loan itself! They could be sharing my social security number with other individuals like they did with me!   Ive asked for answer  from Navient w ithout any response.   My original loan amount was {$20000.00}, and the current balance is {$39000.00}. Ive paid over {$26000.00} into the loan and its still at {$39000.00}!!!   The loans interest rate was also not supposed to exceed 9 % and its been at 10.5 % for years.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Got letter stating my account was purchased by Dynamic Recovery solutions from another hospital in violation of my hippa

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 09/17/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (IL).
Issue: Problems caused by my funds being low

Complaint: My husband placed an order for XXXX items over the phone XXXX, they place the order on my debit card on file instead of his. I did n't have funds to cover this order in my account but it showed pending transaction. They cancelled the order and reordered on his debit card. I called my bank to let them know. XXXX said the charges will drop off, not post because they cancelled transaction after 24 hrs. The items were the last XXXX items on my account for that day and they are still pending today, but my bank charge me for XXXX pending transaction. I took a screen shot of my online transaction last night and again this morning. The items are still pending but I was charged {$100.00} for these items in pending status. I was told by the telephone banker I will still be charge even when the fall off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have filed for   XXXX   and am suppose to send information in each year. I mailed information and have faxed information several time On  XX/XX/XXXX  I received an email stating I need to make a payment.
I was told on  XX/XX/XXXX  that Nelnet had received all my income verification When I calledn today XX/XX/XXXX  they stated that they had received the information. I mailed them a copy on the XX/XX/XXXX and faxed the information as well.
What did they do with my information.Please help I made {$5300.00} working for   XXXX   XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX    XXXX     XXXX   That was my income for  XX/XX/XXXX  to XX/XX/XXXX . I am mailing them the copies again and addressing them to  XXXX  of whom i spoke with today at  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: After my mortgage was sold to Nationstar, I have had nothing but trouble dealing with them. Payments are sent automatically from my bank every two weeks which exceed the minimum due. Nationstar is not applying the payments to my account and is now charging late fees despite having received full payments. 

Nationstar responded to a previous complaint through this department, admitting they are receiving regular, timely payments. Nationstar refuses to comply with the law concerning changing the repayment terms when they purchased my account. 

On top of this, Nationstar calls my cell phone with a robodialer multiple times per day. They have previously settled a class action lawsuit over this practice, but continue it with new customers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) XXXX is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.

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