milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Debt collection (Credit card debt) with Northstar Location Services, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I 've been consolidating all of my credit card debts through  XXXX   XXXX   XXXX  ' for the past 5 year s (  Starting  XXXX   XXXX  ). They have taken  XXXX  active accounts, not in collections, and negotiated settlements on all  XXXX  accounts.  XXXX  accounts have fully been paid off through the program, and the  XXXX  account was cleared for its final payment to  XXXX   XXXX   XXXX   ( Supposed t o clear  XXXX   XXXX  ). At the time of the final payment, the account  (    XXXX    XXXX   XXXX   ),  switched hands to a company called 'Northstar  XXXX . Northstar decided that they did n't want to except this final payment, and instead wanted to renegotiate the entire account. During this time when  XXXX   XXXX   XXXX  was dealing with these demands, the account continued to stay unresolved resulting in continues monthly withdraws out of my person bank account. The withdrawal exceeded my settlement by {$600.00}. I have continuously been calling  XXXX   XXXX   XXXX , for almost a year now, to check the status on the final payment. When finding out there had been no resolution to this account, I then had to call in every month and place a deferral on my account in order for  XXXX  to not take the payment out of my account. After getting no communication on the final payment that was made to  XXXX   XXXX   XXXX , I called in and asked to speak to a superviso r (  XX/XX/XXXX  ).  They transferred me to a man named  XXXX .  XXXX  explained that  Northstar  was committing a federal offense. He said that when he tried to send the final payment to Northstar they never cleared the payment. He said that they were refusing to except the final payment because they wanted to renegotiate the settlement.  XXXX   XXXX   XXXX  expressed that they have never dealt with this kind of situation before.  XXXX   XXXX   XXXX  also filed a complaint through the CFPB but said that they have not heard back from you, and that I should file a complaint as well to get this ball rolling. I have been trying to get this account settled for a year now. During this year, I have not been able to finance anything. As per my agreement with  XXXX   XXXX   XXXX , I am not able to take out any loan until all accounts are closed through them. I need this settled resolved as soon as possible. I will be attaching receipts that include clearance of payment for all of the payments made for the   XXXX     XXXX   XXXX  account. The final payment that I made to clear the account was a triple payment of {$900.00} and will not have a receipt attached due  to NorthStar not  clearing the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Mortgage (VA mortgage) with AmeriHome Mortgage Company, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: As a current home owner, I reached out to Amerihome Mortgage approximately 4 months ago when i was not able to make my morgage payment. At this time I was 30 days past due, and contacted the customer service department to advise my payment was too high for me to pay. 
My mortgage payment was around {$1500.00} per month, which was not a problem. Due to the home being new construction, the taxes were not assessed properly or not at all and I received a statement advising that my new monthly payment was around XXXX per month, which i could not pay. Up until that time, my monthly mortgage payment was on time monthly. 
I contacted Amerihome and requested possible solutions to this issue, they were no help at all, they advised me that I must make the {$2800.00} payment or else. I asked if they would accept the {$1500.00} payment until I could find means to try to catch up the taxes and I was advised it would not be accepted. 
I started the paperwork for a loan modification as the agents advised me they would be willing to help me. 
This process took 5 long months! Unbelievable! Only to tell me that I do not qualify for the modification, but they would provide me with a repayment plan of {$4300.00} for 5 months, then {$2800.00} for the remaining months. 
Really??! If I am unable to pay {$2800.00} per month, which I clearly stated to the agents, how am I able to pay {$4300.00}??? 
I find their practices deceptive as they really are not interested in helping consumers, but wish to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I submitted advanced payments to navient and was never credited.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: If he credit reporting agency refused to send me an updated copy of a credit report On changes that were made in my file I sent all documents they ask for and still no response from company

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXX accounts on my transunion credit report that not being reported correctly. THE FIRST ACCOUNT IS XXXX THE ACCOUNT NUMBER XXXX. I HAVE DOCUMENTS TO SHOW WHY I BELIEVE THE INFORMATION IS BEING REPORTED INCORRECTLY. SO LETS START WITH XXXX I AM MISSING TRADELINE OF THIS ACCOUNT ON MY CREDIT REPORT. THIS CAR WAS FINANZE FROM XXXX ON XX/XX/XXXX AND ON TH RATING PART ON MY CREDIT FILE IT DOESNT SHOW THAT DAT ANY MORE BUT ON MY EARLIER CREDIT REPORT IS SHOWS THAT AND I WANT THIS PUT BACK ON AND STAY ON. I HAVE MY INSTALLMENT AGREEMENT THAT SHOWS THAT DATE AS I AM REPORTING. SO I AM DISPUTING THE MISSING TRADELINE ON MY CREDIT REPORT. I AM MISSING THE BALANCE ON MY CREDIT FILE ON MY EARLIER CREDIT FILE IT SHOWS THAT BUT ON THIS IT DOESNT SHOW THAT. I AM MISSING THE HIGH BALANCE COLUMN ON MY CREDIT REPORT IS SHOWING IN BRACKETS ON THE BOTTOM STATING AS HIGH BALANCE OF XXXX FROM XX/XX/XXXX TO XX/XX/XXXX THAT INFOMATION IS BEING REPORTED INCORRECTLY. I WANT THAT REMOVED OFF MY CREDIT FILE AND I WANT THE COLUMN AS SUCH BEFORE THAT SHOW HIGH BALANCE AS XXXX LIKE IT STATES ON MY EARLIER CREDIT REPORT. WHNE YOU LOOK AT THE INSTALLMENT AGREEMENT IT STATES HIGH CREDIT XXXX AT THE START OF THE LOAN FINANZE. ON THIS ACCOUNT I SHOULD HAVE LAST PAYMENT MADE FOR XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PLUS THE TRADELINE AS XX/XX/XXXX IT SHOULD SHOW XXXX FOR RATING PART ON THIS CREDIT FILE. WHEN I GOT FINANZE I WAS INFORMED PAYMENT ARE DUE ON THE 4 DAY OF EACH MONTH AND I WAS INFORMED THEY UPDATED MY CREDIT FILE ON THE 14 DAY OF EACH MONTH AND THEY UPDATE MONTHLY BUT I DONT SEE SOMETIMES THEY UPDATE WHEN THEY FEEL LIKE IT. I WANT THIS ACCOUNT UPDATED CORRECTLY AND I WANT MY DOCUMENTS TO SHOW AS MY DISPUTES. ON MY XXXX XXXX ACOUNT XXXX THIS ACCOUNT NEEDS TO BE UPDATED ON MY DATE OF LAST PAYMENT IS SHOWING AS XX/XX/XXXX. BUT ON MY RATING PART ON THIS ACCOUNT IS SHOWING CORRECTLY FOR XX/XX/XXXX. I WANT DATE OF LAST PAYMENT TO SHOW AS CURRENT MONTH AS MY LAST PAYMENT. I WAS INFORMED FROM XXXX XXXX IT SHOULD BE SHOWING XX/XX/XXXX SINCE THEY REPORTED RECENTLY SO MY LAST PAYMENT DATE SHOULD BE REFLEXING XX/XX/XXXX AS MY DATE OF LAST PAYMENT. I WANT PAYMENT RECEIVED UPDATED,. I WANT THIS COLUMN UPDATED EACH MONTH WHN IT GET UPDATED FROM THE CREDITOR BUT THAT THE ONLY ISSUE I HAVE ON THIS 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 10-03-2017 about Mortgage (Conventional home mortgage) with STANDARD MORTGAGE CORPORATION (LA).
Issue: Trouble during payment process

Complaint: On XX/XX/2017 I purchased a home near XXXX XXXX, XX/XX/XXXX. Standard Mortgage Corporation required that we escrow both taxes and insurance. At closing we prepaid a year 's insurance premiums ( {$1100.00} for homeowners insurance, plus {$1400.00} for flood insurance ). 

Now XXXX XXXX says they have not received any payments from Standard Mortgage and if they are not soon paid I will have to pay the premiums all over again, this time directly to XXXX XXXX. 

I have sent an email to Standard Mortgage and talked to XXXX XXXX in Customer Service when she called me today. She is not sure whether the problem is with Standard Mortgage or with the Title Company that did the Closing. I know that, per the Closing Documents, I paid the funds to Standard Mortgage, and therefore that is who should make the payments. XXXX XXXX has the correct address for Standard Mortgage 's Escrow Department in XXXX XXXX, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contact Capital One and XXXX about an unauthorized hard inquiry after i received a copy of my credit report. They agreed to remove it from my credit report but they never did. This is very frustrating, is a very serious matter and Capital One & XXXX wont help me fix it. Please remove unauthorized hard inquiry from my credit report Cap One XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX accouint # XXXX I did not sign up for XXXX in XX/XX/2008. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Bankruptcy listed with Equifax, XXXX and XXXX has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Mortgage (Other type of mortgage) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Closing on a mortgage

Complaint: Navy Federal 's preliminary closing statement shows an appraisal fee of {$620.00}. I paid the {$620.00} to Navy. However, upon review of the appraisal the cost was only {$350.00}.
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Navy violated the law by over stating the preliminary closing statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage servicer ( SP Servicing ) has been doing everything they can to thwart all of my attempts to get a loan modification on my home. Lost documents, late mailings or notices sent that I did not ask for, discrepancies in information shared with me, etc. Most recently, I had to spend {$2000.00} to stop a foreclosure sale that the servicer postponed one day before the sale, but told me the sale would go forward. Someone needs to stop these people before someone loses their home for real.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I received a letter form the mortgage company denying mortgage assistance, I have filed a chapter XXXX bankruptcy and is unable to keep making chapter XXXX payments in order to keep my home, the letter is dated XXXX XXXX denying me mortgage assistance, they have stated the reason for the denial is due to my getting several modifications and have reach my limit, that statement is not true. I only remember receiving XXXX modification. I have applied for help from XXXX and based on the Government guideline of eminent Default criteria, we qualify, my husband and myself are both XXXX, my husband  has had XXXX XXXX, in the past 10 years and now he is XXXX XXXX, I have XXXX and XXXX and XXXX problems, and is also XXXX XXXX. Please help us keep our home, we no we owe the debt so we are just trying to get a modification because now our income is stable, and we just need to get our mortgage modified, the company is discriminating against us. Life happens and we need your help to help us uphold the law that states we qualify, we could not help our currant situation the dollar amount of the back pay is $ 67,853.42.Thank you XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 explanation
Consumer complaint received 04/24/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX , I submitted a complaint to the CFPB ( complaint #  XXXX  ) regarding a debt that I paid in full with  Midland. Midland resp onded, however, they are still falsely and negatively reporting this debt and still calling my phone to collect on this paid debt. The debt was PAID IN FULL ( not settled ) for {$600.00} on  XXXX . I have reattached my original CFPB complaint and bank statement.     To date , Midland is  still falsely reporting on all  XXXX  credit bureaus, which has negatively impacted my credit scores. With  XXXX , they are STILL reporting a {$600.00} unpaid open balance owed. With  XXXX , they are STILL reporting a {$55.00} unpaid open balance owed. I also received an alert today that for  XXXX , they changed the balance owed to {$0.00}, but they are marking it as a SETTLED FOR LESS THAN debt when it was PAID IN FULL.     Furthermore, they have NOT dismissed or vacated the judgement with the local courts. The debt was paid -- I was never served papers. I was told by their debt  collectors  and  XXXX   XXXX  of  XXXX   XXXX   XXXX  that they hired that this would be taken care of and that it would be dismissed and not report on the credit bureaus.     I used to work as a debt collector with  XXXX   XXXX  an d Midland 's parent company Encore Capital Group  and know for a fact that they still call out and use robo-dialers and/or call numbers even after told not to - even after the CFPB came in and sued them back in or around   XXXX  . What they do is use their out of country offices to skirt the robo-dial laws in the US. The company 's prior response to my original claim denied this -- but I have saved evidence and statements from prior employees that can back up what I am saying.     What they are doing is violating the FDCPA and they need to be held accountable. I have paid my debt in full MONTHS ago. I have contacted an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Fraudulently gave away all of my information without any consent.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (I do not know) with Finance System of Richmond, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken XXXX federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Diversified Consultants Inc has continually called me 5-6 times a day after repeatedly being told never to contact me via phone. They refuse to aknowledge the company they are wokring for when calling and hang up when questioned.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have a FHA loan and Chase has been my servicer since XX/XX/XXXX. When I was a traveling contractor, I used to call in my mortgage payment over the phone. I was charged a phone pay fee and I believe that fee was between $ XXXX. I paid over the phone on and off until XX/XX/XXXX I believe as I was told it was free at that point since I had opened an account with them. I was on an OCC mandated foreclosure project between XX/XX/XXXX to XX/XX/XXXX. On this project, I learned that a servicer can not charge a phone pay fee on FHA loans. With that being said, I would like to have all of the phone pay fees that I was charged since the loan 's inception refunded back to me. Since I work in the mortgage industry and mostly as a contractor, I ran into some financial issues in XX/XX/XXXX as a result of the housing crash, which included taking pay cuts and paying my own expenses as a contractor. When I was laid off XX/XX/XXXX, I applied for the Home Affordable Unemployment Program ( HAUP ) and was approved to pay {$0.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made my XXXX payment but also applied for the Home Affordable Modification Program ( HAMP ) the same month due to the forbearance. I was unable to make my XXXX payment because I was in between jobs but I made my XXXX payment. I was approved for a modification under the HAMP program in XXXX and started my trial payments in XX/XX/XXXX. I made all of my trial payments on time and my modification was finalized in XX/XX/XXXX with a first payment date of XX/XX/XXXX. I have been performing with on time payments ever since. However, the mortgage lates for that time period are still reporting on my credit report and I have yet to receive any principal reductions from the servicer for on time payments. I used to underwrite HAMP modifications at Chase. The HAMP guidelines required the servicer to correct mortgage lates after the HAMP modification was finalized and also gave a {$1000.00} principal reduction to the borrower every year for 5 years if payments were made on time. The mortgage lates are still on my credit report which has caused me to receive higher interest rates on auto loans, credit cards, etc. I have yet to receive any principal reductions to my principal balance to date and I have made on time payments on my HAMP modification since XX/XX/XXXX. I have called Chase twice about this and have not received an answer to date. I would like to have Chase 's regulator look into this matter and have these items resolved and/or provide further clarification. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Consumer Loan (Title loan) with States Recovery Systems, Inc. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I am being asked to pay over {$900.00} dollars in interest to a debt collector in XXXX, CA for a credit amount of {$1000.00} attached to a closed checking account ( XX/XX/XXXX ) with XXXX XXXX Bank in XXXX XXXX, CA. The debt was charged off around XX/XX/XXXX. I do not have a credit agreement to see if the collection company can legally continue to charge interest. Further, I have not received monthly statement from the collection company indicating accrued interest and penalties. I understand there is the statute of 4 years in California. We are now in XX/XX/XXXX which if five years since the amount was charged off. I am not certain the collection agent has the legal right to charge accrued interest and further can still pursue collection. The credit reporting agency shows an amount of {$1000.00}. I want to know my legal writes as it pertains to the bank charge off and accrued interest demanded of collector and California statute of limitation on the claim. Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Unable to verify debt. No documentation sent to consumer. Please remove from credit report

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