milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Hi I am writing because I was contacted by a company that claimed they helped people with high student loans. The account person told me she would get my loan lowered to XXXX a month. She asked me to sign document and asked me to say my husband was a homemaker. After all that I was transferred to a " verifier '' who told me starting in XX/XX/XXXX I would be paying Mentor/equitable trust XXXX a month. I questioned the charge and said I was never told that and did not agree to this. At this point I knew something was wrong. I Stated I did n't agree hung up and called my loan service ER. They explained to me this was a scam to get XXXX a month and everything this company was supposedly going to do can be done for free. I sent email immediately saying I do n't want this ... Sure enough they have called me multiple times a day threatening me saying I signed a legal contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I owed XXXX a debt of XXXX dollars which I have been paying. A " collection agency '' called IC Systems has been sending me letters to pay the remaining balance. I thought it was a legitimate collection agency. I paid them XXXX dollars with my debit card. Little did I know ... 

Two days later, I had charges of over XXXX dollars on my checking account. Someone was using my card in XXXX. I live in XXXX. When I did digging, I found out that this collection agency was fake. Using a fake address in XXXX, they currently operating in XXXX, XXXX. I have found that many other are falling victim the way I am.

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 08/30/2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (RI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: National credit Adjuster is dept collection agency. I had a credit with XXXX XXXX that I could not make payment to, so my account was charge off and sold to them. They have been calling and attempted to collect this debt. Two mothers ago they talked me into a setttlment, which I agreed to and they convince me to make a post dated online transfer to make payments. I gave them my bank number my account information. But after careful consideration I called them back and cancelled the post dated transaction. Which they agreed to and they even sent me a confirmation letter on XXXX XXXX XXXX. But on XXXX XXXX they sent me another letter stating they have accepted my offer to settle the my dept. Which I never replied because I had cancel the agreement. On XXXX XXXX with out my authorization they went into my back acount and took money XXXX dollars. To my understanding is a RI law and federal law that collectors can not post date a transaction with out my knowledge. I called them and they stated I made a authorization on XXXX XXXX, which never happened. And also they never called me for my authorization. I want my money back. Because of that my son can not go to daycare this week and had to cut back on a lot things. Acc # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CBNA aka Citibank did an inquiry on my XXXX credit report w/out my consent or knowledge. Got letter in mail from my secured Citi acct saying because of excellent payment history it would be converted over to unsecured and my secured funds would be refunded but not once did they state my credit would be pulled I called and inquired several times regarding this now my credit report is showing an inquiry

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 Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am one of the owners of a house in foreclosure located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I am a homemaker and wife of a XXXX Veteran who abandoned the property and thus left me with no means by which to sell off the house. The house went into foreclosure and I moved into my mothers home with my children. The mortgage company Ocwen has pursued me because my husband did not have an address of contact until the past year. Despite attempts to have them seek him out, since the mortgage is a VA Loan and he would be able to make arrangements through the VA to put the house up for sale or refinance at a lower rate to make payments, they still today call my mothers home phone number day and night, weekends and otherwise. We have even been disrupted during our sacred holidays. They have harrassed myself, my family and my neighbors. Just when you think that it was finally over, today in my mothers driveway lay mortgage paperwork, uncovered and opened with all of mine and my husbands personal information for anyone on the street to see : our ss # 's, dates of birth, etc. Who does that? Why wo n't they send my husband notification to go through the VA? XXXX XXXX XXXX resides at XXXX Twisted XXXX XXXX, XXXX, North Carolina, XXXX. The attorney firm that did this is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX : XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Fax # XXXX File # XXXX, for Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX I would ask the FTC to please intercede on my behalf and ask these people to stop the harrassment, I am a homemaker, with no income, my husband is retired and receives a pension from the military, and homeland security. They should be seeking him out to look for closure to this foreclosure as this is a VA matter, and I can not intercede and do anything to rectify this situation, and yet time and again, they turn a blind eye and refuse to look any further then myself living at my mothers residence, How dare they share my personal information with on my mothers driveway at her property address with her neighbors, strangers and passerbys!

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Resurgent Capital recently reported a debt for {$2000.00} on my credit report. I never received notice from them about this debt before it appeared on my credit report, so I was shocked to find it there. I immediately contacted their office, and requested information about where this debt originated, and itemized detail of the charges, and explanation for why it was reported on my credit report prior to me having an opportunity to answer to the charges. Nearly two months have passed since I made this request, and I have received no response from Resurgent Capital. Nevertheless, they continue to report it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Checking or savings account (Savings account) with CIT BANK, NATIONAL ASSOCIATION (DE).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I tried to open an online saving account in XXXX XXXX 2017 and XXXX XXXX 2017 with CIT bank ( online ), but they rejected my application without a legit reason. I feel really offended and discriminated during the process. First time ever to have the issue with opening a saving account

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: What is the complaint about? : Nationstar Mortgage XX/XX/XXXX, Response to Complaint filed with CFPB on XX/XX/XXXX. What type of problems are you having? Fraud ; Inconsistent Statements What Company is involved? Nationstar Mortgage Who are the people involved? Nationstar Mortgage Research and Response Department Nationstar Customer Relations Specialist, XXXX XXXX What happened : On XX/XX/XXXX, we received Nationstars response to our first complaint # XXXX. Nationstar was directed to remove the flood protection insurance placed on the property located XXXX XXXX XXXX, XXXX, CA XXXX. In their response, XXXX XXXX states, our records do no ( sic ) indicate that flood protection insurance has been placed on the account nor have we ever escrowed for this item. We understand that the property is not in a flood zone and we have escrow for hazard insurance and taxes. XXXX XXXX statement is in direct conflict with Nationstars XX/XX/XXXX, Research Reference # XXXX letter, which stated, A Notice of Payment Change that reflected the monthly payment increased to {$1200.00}, effectiveXX/XX/XXXX, was sent to the attorney and bankruptcy courts. In reviewing the escrow account, we confirmed that the increase in the property taxes and purchase of lender placed flood insurance coverage, effective from XX/XX/XXXX, to XX/XX/XXXX, has contribute to the increase in the monthly payment. You may also purchase insurance and provide proof of the policy to cancel the lender placed insurance as a policy you purchase would likely be less expensive. Once we receive proof of the insurance we will cancel the lender placed insurance and refund the paid premiums to the escrow account. We have had insurance on the XXXX XXXX property since XX/XX/XXXX. Our insurance is through XXXX XXXX. Since XX/XX/XXXX, Ive mailed proof on at least two occasions to Nationstar, XXXX XXXX XXXX, XXXX Ohio. My other issue with Nationstar is they are stating as of XX/XX/XXXX,  the interest on the mortgage payment will adjust 1 % due to the modification agreement, house payment {$940.00}, which I completely understand. However, XXXX XXXX is stating the monthly escrow payment is {$460.00} which makes the mortgage total {$1400.00}. The monthly escrow payment amount is incorrect because they are still charging us for hazard insurance which I have been trying to have removed. I want this lender placed insurance removed ASAP and the paid premiums refunded to the escrow account as stated in their XX/XX/XXXX, letter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is being sold from Seneca servicing to XXXX and I was notified less than 10 days of the effective date with the preliminary notification and no information from the new servicer to this point.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I am listed as one of the potential victims of the Equifax breach. I was a victim of identity theft, several years ago, and have used this product with the assumption that I will never have to live through the nightmare of identity theft again. I am very concerned that the product is no longer effective. I am even more concerned that this is effecting children, whose parents, guardians, or foster care service providers have placed a freeze on those children 's credit. A breach of these kids ' identities could go unnoticed for years, without anyone knowing about it, and their credit could be ruined. I am also disgusted to hear that shareholders in the company had warnings that customers did not. This type of behavior by a corporation should not go unpunished, especially when people 's lives can be utterly ruined by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I recently saw on my credit report that I owe Pendrick Capital Partners LLC {$1200.00} for medical bills. However I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX saying I owe {$1200.00} to Pendick Capital Partners LLC. I did an investigation and found out that the original creditor is XXXX XXXX XXXX XXXX which is Located in XXXX XXXX, Louisiana. The letter also states that the date I use the facility was XX/XX/XXXX. I have n't been to that facility and I had a full coverage insurance because of my XXXX that 's from XXXX. Also to add I was receiving calls from one of those company and I did explain to them that I did n't owe any money to them and if I do they should send it to my insurance company but they wanted me to do a payment plan and pay out of pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I previously entered the referenced complaint below. In response, Trans Union alleges they conducted an investigation whereupon the results indicated a bankruptcy filing was identified.

Trans Union failed, as they have in the past, to conduct a thorough investigation beyond identifying that a filing had occurred. The law is clear. There was no adjudication and the case was dismissed. There is no ORDER of Relief. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Trans Union continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Trans Union 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. However, the law clearly states from " date of adjudication '' or date of " order of relief ''. Neither occurred in the bankruptcy that Trans Union continues to report. Any case, civil or otherwise, which is dismissed never existed in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed. Trans Union has already reported this on my credit report for over seven years... enough is enough. Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this complaint and please provide me an updated copy of 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 07-01-2015 about Credit card () with U.S. BANCORP (AZ).
Issue: Cash advance

Complaint: I received a " no-interest for one year '' credit card in XXXX 2014 from US Bank. After I paid off a balance at a " cash advance '' business with the credit card, US Bank started charging me interest on the balance that I paid off. I have contacted them 2 times regarding being charged interest on what is essentially a balance transfer and they insist that it was a " cash advance '' and that they are justified in charging me interest on that balance. I never received any cash from the credit card, simply gave the credit card number to the cash advance store to pay it off. My last communication with US Bank included a copy of the receipt for the payoff, but they still insist they are justified in charging me interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Express Recovery Services, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been a victim of identity theft have tried disputing this multiple times with this agency and they fail to provide any resolution. My last attempt i asked multiple times for a timeline for a dispute and they stated they dont have one since i wont let them call my cell. The tactics are very harrasing and they seem unwilling to work with a consumer where these items are a clear indication of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I HAD FRAUD ON my credit card they refused to credit my charges even though i filed a police report and i was in XXXX when this fraud happened so i filed a complaint with the cfpd and when i filed the complaint they closed my account according to XXXX at the XXXX XXXX branch, he told me XXXX some lady closed my account because i filed a complaint, im pretty sure this is illegal and its retaliation for me coming to you guys to file my complaint.

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 04/20/2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Delinquent account

Complaint: As a member of Amazon Prime I applied to a store card due to the perks provided. I was approved and account opened. The creditor Synchrony Bank involuntarily enrolled me in paperless statements. I was not aware of this enrollment and thus did not receive a paper statement to make a payment. I found out about the issue when my transactions were being declined and I contacted Synchrony Bank to understand why. I was informed my account was past due. I informed them I never received a statement to submit payment. I was informed I was enrolled in paperless statements which is why I was n't receiving a statement. Once that information was provided, I switched back to paper statements and made the necessary payments to bring my account to current. I later found Synchrony Bank provided negative information to the credit bureaus for late payments/delinquency. I had asked that be corrected since it 's their fault payment was n't make due to involuntarily enrolling me in paperless statements. As of today, those negative marks are still on my credit bureau reports ... ..I want them removed. Synchrony Bank should not be able to just enroll people in paperless statements. None of my accounts are paperless as I do not manage my accounts in that fashion. I use paper statements ... .thus the reason account was n't paid as required during initial months after opening. Once the issue was identified, the account was immediately brought current.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with loanDepot.com, LLC (CA).
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: Loandepot reported a payment 30 days late. I believe this is unfair, as outlined below : Summary of events.
1. XX/XX/XXXX : Received statement dated XX/XX/XXXX, which showed monthly payment of {$440.00} due on XX/XX/XXXX, with the grace period ending XX/XX/XXXX.
2. XX/XX/XXXX : Made monthly payment, but somehow accidentally indicated a checking account that I dont use anymore.
3. XX/XX/XXXX : Received statement dated XX/XX/XXXX, which indicated that the payment due XX/XX/XXXX was made successfully, and the next normal monthly payment due XX/XX/XXXX, with the grace period ending XX/XX/XXXX.
4. XX/XX/XXXX : Realized my mistake in # 2 above, and so immediately made the payment again.
5. XX/XX/XXXX : Received statement dated XX/XX/XXXX, the first time I was notified of any fees, and immediately made payment of {$500.00} to cover monthly payment as well as the fees.
6. Mid-XX/XX/XXXX : Noticed the 30-day-late reported on my credit report.
Apparently the original monthly payment that was due XX/XX/XXXX was deemed 30-days-late because the payment that I had intended to apply toward that amount owed was applied instead to later fees that I had no knowledge of. 

I believe it is inherently unfair to the consumer to report a 30-day-late payment to the Credit Reporting Agencies when the reason for the payment being late is that the payment was unexpectedly allocated to a more recent charge on the account ( the late and NSF fees generated by my clerical error ).
Further exacerbating this, I was given no notice of said fees until well after it was too late to avoid the 30-day-late status. I paid said fees immediately upon notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (OR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My rent was {$570.00} a month. I paid the rent on time and in full. I gave proper 30 day written notice that I would vacate. I did n't damage the unit. They took my entire security deposit. Their workers who many did n't speak English kept entering my unit without notice so I moved out. I let management know but the workers kept doing it. I do not owe this. I 've never been given written notice of the debt. I asked for it just about 2 months ago, again, and habe still received nothing.

Company response to consumer: Closed with explanation