milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX XXXX, XXXX I was sued by XXXX XXXX XXXX for the amount of XXXX from a company called XXXX. The bank holder for that company is " The XXXX XXXX XXXX XXXX XXXX ''. For a debt that I did not owe and never owned. I proved in court that I was a victim of identity theft. The account was opened in XXXX XXXX, XXXX and I filed a police report on XXXX XXXX, XXXX. The case was dismissed on XXXX XXXX, XXXX. Well XXXX XXXX XXXX never took this debt off my credit report. Instead they sold it months later to a company called Resurgent Capital Services. And Resurgent Capital Services has repeatedly called my home and threatened me with lawsuits, judgements and said that they will continue to contact me, and keep this bill in collections until paid. Resurgent Capital Services also stated that the information that I sent them was not sufficient enough. I have sent them court dismissal documents from the last time XXXX XXXX XXXX took me to court, police reports stating that I was a victim of forgery and counterfeiting ring in XXXX, Texas. I even listed some of the items that was stolen out of my home but Resurgent Capital Services says the documents that I sent is still not enough. I have been dealing with these two debt collectors coming up on 2 years they have kept this debt that they claim that I owe in collections for almost 2 years. And have ruined my credit, I have tried in so many ways to resolve this and I 'm frustrated please help me if you can with this situation. I have listed the companies involved in this complaint please get back in touch with me. 

XXXX XXXX, XXXX. Resurgent Capital Services L.P . 
XXXX XXXX, XXXX. Attention : Correspondence Dept. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO. XXXX XXXX, SC. XXXX Thanks in Advance,

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with Cascade Collections, Inc. (DE).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX Dear Sirs I had sequence of five failed XXXX XXXX with last one in XX/XX/XXXX. I stopped working in XX/XX/XXXX and left to XXXX and came back only in XX/XX/XXXX. While I was in XXXX I gave power of attorney to my manager to handle my divorce case. My lawyer received all the documents through online and said he wanted $ XXXX to handle this case. I paid him the money immediately.
The he started demanding more money overtime to move the case forward while in reality he never worked on the case. However I borrowed from friends to pay him to close the case. I have paid him around {$15000.00} at which time the case was still open.
Finally my ex-wife made an offer to bring the divorce case to a closure and my lawyer forced me to take it ; which put an end to the case as such his service has been minimal and his effect in the court has not been favorable for my request.
When I came back to the USA in XX/XX/XXXX we called him to inform I was in social security XX/XX/XXXXand received only {$700.00} and willing to pay {$50.00} a month to pay the remainder balance of his lawyer fee.
He transferred the file to credit collection and they updated all credit beauru about the balance.
I refused to deal with the collection agency and pay {$50.00} until debt is over and XXXX XXXX was in agreement however he failed to keep his promise from beginning to now.
I suddenly got very ill in XX/XX/XXXX and underwent a XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX expenses has completely wiped me out of my borrowing capacity and I asked XXXX XXXX to write-off the debt or Wait till my situation improve..
However he has asked Cascade collection agency to deal with this situation.
XXXX XXXX  never kept his promise to close the case with {$5000.00} which I initially paid instead he kept procrastinating the file and sending bills after bills. Eventually my case came to a closure with the offer my ex-wife made.
Now there is an outstanding debt from his office pending for collection from Cascade collection agency. Please help us find a solution in this deplorable situation.

Company response to consumer: Untimely response
Consumer complaint received 07/28/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My loan payment has gone from {$2100.00} per month to $ {$2200.00} per month to {$2400.00} per month in a year. While mortgage rates range 3.4 % to 3.75 % my rate as gone from 3.75 % to 4.75 % in less than a year and is scheduled to go to 5.00 %. In the meantime I have applied for Home Financial Assistance and Modification based on increasing unaffordable payments as well as becoming unemployed XXXX 2016 and beginning to suffer unforeseen illness and mounting medical expense as of XXXX 2016. The bank per attached letter has denied modification options and escalated a notice of forced short sale in no more than 45 days. However as of XXXX 2016 my loan is current based on the following. per the bank they hold {$820.00} in unapplied funds and in XXXX I made payments of {$2200.00} and {$1200.00}. the combination of the unapplied funds and my payments total {$4200.00} and cover any amount considered past due as of XXXX 2016. I request bank credit and apply unapplied funds as well as my payments listed here, and acknowledge doing so, and acknowledge that as of XXXX 2016 my loan is current. I request bank cease and desist from force 45 day timeline for forced short sale because the loan is current as of XXXX 2016.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: I contacted this company on 3 different occasions requesting that they delete the a bankruptcy that they are inaccurately furnishing on my credit report. Despite my very specific request the company continually handles this matter grossly negligent. Besides the fact that this public record is not correct I contacted the Attorney General in reference to this matter and was advised that effective XXXX/XXXX/XXXX that because the large amount of errors that the consumer reporting agencies furnish in regards to public records that any record that does not have qualifying identifying information such as name, date of birth, social security number, and address must be deleted. I was also informed that a company called XXXX XXXX provides the inaccurate information and since then I have froze and suppress those records as its my right. The record that is being reported does not have any of the qualifying information. I was asked to provide a copy of my identification I did that over 2 months ago and to no avail has this matter been resolved. I am prepared to use all the correspondence I have attempting to resolve this matter and file a lawsuit. I will seek monetary damages in the maximum amount allowed by my state. This inaccurate record is causing an unnecessary hardship.

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 07-02-2017 about Student loan (Federal student loan servicing) with ACS Education Services (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: The loan was refinanced and the account online reflex paid in full. But I just got a derogatory comment on my report saying I was delinquent. The loan was refinanced in XX/XX/XXXX and I started attended college in XX/XX/XXXX. But I have a remark stating I 'm delinquent for XX/XX/XXXX-XX/XX/XXXX. I do n't understand why this company is still making credit report statements if the account states paid in full. I want to know what I have to do to never be involved with this company ever again. It 's like they revel in making credit worse, even though I 've made several attempts to try to make payments. But every time it 's the worst experience. I hope the company evolves to be work with individuals willing to make payments instead of giving the run around so they can make negative comments.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: As a homeowner for 21 years with not one day late, I applied for a loan modification due to economic recession, reduced income and a divorce. With countless faxes, documents ( mail or fax only ) and run around, XXXX XXXX managed to lose my documents and my payments and threaten foreclosure. I was XXXX a single mother where a family dream home became a nightmare. I finally had to file for bankruptcies to stop the foreclosure after settlement under Independent Review with a mere {$500.00}! I was once again devastated and my life is still in limbo, unstable and no success with modification from XXXX XXXX. Instead they transferred ( or sold ) my loan to Caliber Home Loans which I was relief thinking there 's light under the tunnel with new services and some relief for they allowing me to email documents and hope for a modification finally I thought. What a deception! Same lost documents, same run around same tactics as XXXX XXXX but worst! Caliber Home Loans never intent to help me with loan modification as my loan information was never set up nor attempt to modify or give me a reason but stonewalling me and not getting all the documents while collecting late fees, attorneys fees and push me further in arrear from the original loan balance from XXXX XXXX of {$170000.00} to now over {$300000.00} which is stealing my equity and my retirement!!! If this is not a slap in the face robbery, I do n't know what is. How is this practice being allow to happen in America? So unethical, so wrong especially when they promised to help, instead they are robbing you from everywhere and from behind the scenes!! Thank God my attorney let me know about CFPA and this website to finally file a complaint! Please help me to stop these Goliaths from harming me any further!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a copy of my credit report and TransUnion is reporting 2 accounts with XXXX XXXX XXXX & XXXX XXXX XXXX as being in Bankruptcy and that not correct. Please any help you could give me would be appreciated. Those two were not in BK.

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 05/28/2015 about Debt collection (Payday loan) with Premier Recovery Group (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: have been called for XXXX different numbers regarding a pay day loan from XXXX XXXX XXXX stating that i will be served court paper work for an amount owed of {$150.00} and it must be paid or legal action will occur.

Company response to consumer: Closed
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hunterwarfield debt collection company and I reached an agreement where I would pay {$2100.00} to settle a debt owed to springfield apartment and they would report the debt to Credit Bureaus as paid and closed. I finished making the payment on XXXX/XXXX/15 after XXXX payment and as of XXXX/XXXX/15 which is XXXX days later they have failed to report the debt as paid. I have spoken with XXXX and they inform me that Hunterwarfield has not reported the debt as paid even though customer representatives at Hunterwarfield keep telling me they have. At other times when I call Hunterwarfield they hung up on me. I would apprecaite assistance with this issue as Hunterwarfield promised me they would take 30-45 days to update the credit bureaus and have refused to do so and keep lying to me that they have.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with Credit Bureau Services Association (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no contract with this company They have managed to keep this on my credit and this debt is not owned.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  I have no knowledge of this collector and debt that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A collections agency, I believe it is FAMS, has relentlessly called my mother-in-law leaving messages for her relaying that they are attempting to locate me and collect on my student loans.Yes, they have said that I owed student loans and they were a collections agency seeking to speak to me about those said loans. Sometimes they call two to three times a day and have on occasion called, left a message, and then immediately called back. My mother-in-law was never used as a reference for my private student loans, though my now late-father-in-law was. FAMS has not supplied any written documentation to provide that I owe anything to them or if I do that they own the debt.

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 12/24/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX XXXX loan was acquired by Nationstar Mortgage in XX/XX/XXXX. All servicing transferred to Nationstar. It is a simple interest-only loan. Upon transfer, Nationstar started calling me saying that I owe them a bunch more money on my mortgage for insurance/taxes escrow that transferred over from XXXX. No such escrow ever existed at XXXX, and I 've always only paid my interest-only mortgage. I 've been on the phone with Everhome for 7+ hours on 4-5 different occasions, and on 3 occasions they told me the issue was resolved. On 2 occasions they promised me a call back, but I never received a call back in either situation. I keep getting calls and mailings telling me that the issue is not resolved, and I owe them more money. No one has been able to explain why they keep trying to charge me more money, or what the heart of the issue might be ( see attached letter from Nationstar showing how all they can figure out how to do is restate the problem, not solve the problem ). Either they are inadequately staffed to process my mortgage correctly, or it 's some kind of scam to get unaware customers to pay them more than they own on their mortgages. I 'm increasingly in the latter camp given that unprecedented effort and continual promises of resolution have resulted in no progress. It 's quite surreal that such an incompetent institution can be allowed to operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Payday loan) with Ashfield Management Services Inc, (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Called me at work repeatedly an on my cell phone. Threaten to take serve me at home and my place of work. I do n't think that a small claims has been filled. Lots of scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: All of my payments have been applied to interest only. Nothing I have paid on my loans has been applied to my principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have written to Citimortgage at least XXXX times pointing out that they are inaccurately reporting information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letters were dated XXXX XXXX, 2015 and XXXX XXXX, 2015 which are attached together with a copy of the credit report excerpt showing that they are reporting XXXX pays due and on XXXX reporting that the account is open with a XXXX balance but on XXXX and XXXX they are reporting the account as closed. According to my understanding of FCRA, all reportings must be 100 % accurate or they must be removed or repaired. I do n't understand how they can avoid compliance with the law. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Acceptance Corp. (MO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I have a past due charge off with Midwest Acceptance that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XXXX XXXX, XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, Midwest Acceptance is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XXXX/XXXX/XXXX even though the account has been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I refinanced into my current loan in XX/XX/XXXX. We were very conservative when taking out this new loan because our home is our families biggest investment. At that time we were a 2 income household and the increased payment was very affordable. Several years later, my loan was assigned over and over again to many banks due to them going out of business after the mortgage industry imploded. We stayed current and always communicated with our new banks. A couple years ago my husband was laid off from his job of several years and our now adult children were able to help out with our household expenses. We maintained until my son was in a car accident and was unable to work. We incurred expensive medical bills associated from this accident. This along with lessened work hours for me at work and the lack of income from my husband caused us to fall behind. We were now with SPS and this is when our troubles began. We reached out for help with our missed mortgage payments and in XX/XX/XXXX we applied for a modification. I was unable to complete the application due to not having the documents they were requesting. Our hardship was still very present-my husband still looking for work and my son 's therapy expenses taking a big chunk of my now full time income. As of today we are all doing much better. My Husband has found a great job and I am full time, my son is almost back to his old self. We reapplied for a modification on XX/XX/XXXX and shortly after I received a letter from SPS denying me for all retention options because we have a foreclosure sale within 27 days of the date of our application. This letter was dated XX/XX/XXXX, one day after they received our application- it was not reviewed at all just denied. When I called into SPS to go over the details of the denial I encountered a very rude representative that was just compassion-less. She was very difficult to speak with and combative when I asked her basic questions about my application. Again I am just seeking clarity on this denial as I do not do this for a living. I was reminded about how we applied last year and the file was incomplete. The representative basically advised that they are unwilling to help me today because there is a sale date on my property, that they already offered me a review and I didnt complete it. That was last year and my circumstances today are better than they were last year. I felt as though this person was very unnecessarily rude towards a homeowner that is only seeking to keep their home. I submitted a complete package and it wasnt even reviewed by them after all of our troubles this was very un-expected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: To login to Dovenmuehle bank in order to pay my mortgage I put in my registration information.They required new registration in XXXX XXXX XXXX 2015 I re-registered.XXXX when I went to login their system said I need to register.When I try to register the system says I already have an account and am registered.I was locked out and could not pay.I called and spoke to XXXX and she said to speak to their Web support { XXXX 2015 } .The Web support representative could not help me.I sent them e-mails and finally had to pay by using XXXX for an additional {$9.00} on XXXX XXXX 2015.Here it is XXXX XXXX and i am still locked out!! I will call again tomorrow to try to pay but I do n't feel I should have to pay extra to XXXX XXXX just because they ca n't help fix the problem.Any Help what be much appreciated. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was told that the information that I disputed was correct and when I asked for evidence of factual documents, none have been received from Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (I do not know) with NRA Group, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: National recovery agency appeared on my credit reports for a debt that I do n't owe. It was on my credit reports as a bill I supposedly owed to a utility company. I have been fighting this for years as not being mine but still they persist on keeping the information as it is. I have disputed this debt several times as it shows on my reports as disputed. I would like your agency to investigate this matter because this supposed collection is hurting my credit health

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation