milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax : Under both Federal and New Jersey law, consumers are entitled to XXXX free report and discounted reports ( in many states ) thereafter. Equifax discriminates against those requesting scores under provision of law and will only deliver full price reports online. The process to order and/or receive free and discounted reports is unduly cumbersome and has the effect of negating the intent of the law. Consumers are virtually forced into paying full price. Consumers wishing to correct errors or detect fraud must choose between a delay ( if they exercise legal rights ) or paying extra. I was able to get a full price report delivered online immediately but could not access a free ( or state discounted ) report without writing a letter of request and searching for the proper address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: In a letter to XXXX XXXX dated XX/XX/XXXX, I explained the circumstances of two late payments from XX/XX/XXXXand inquired if it would be possible for a good will adjustment as my account has since been paid off and in consistent good standing for the past five years. In the letter, I took full responsibility for the late payments and never disputed the fact that they were late. After receiving a response saying that after an investigation, the report is accurate, they placed a comment on my credit report that I dispute the information. I do not wish to have this notation, as I never disputed anything. I just wanted to see if it would be possible to remove the late payments after paying off the debt and keeping the account in good standing for several years. I once again reached out to XXXX 's to remove the dispute comment but it has never been resolved. I fear that as I prepare to apply for mortgages, creditors will be weary of any sort of dispute seen on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Debt collection (Other debt) with U.S. BANCORP (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Home located at XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX was up for sale working with realtor and batter on thermostat went dead and caused frozen pipes and major water damage. Could not live in home, and Husband and I did all the water mitigation and had XXXX XXXX XXXX XXXX Adjustor ( XXXX ) come out and survey water mitigation that was done. XXXX approved everything look. XXXX and I submitted a bill to XXXX XXXX and US Bank. US bank is the mortgage lender. XXXX XXXX submitted two checks to XXXX XXXX, XXXX XXXX and US Bank for XXXX ( XX/XX/XXXX ) ( payment for water mitigation per estimate from Service Master ). We did not use service master we did the work ourselves as we were there. Then another check for XXXX ( XX/XX/XXXX) was sent to me XXXX XXXX ( XXXX XXXX ), we tried to cash check for water mitigation to get paid for our work and US bank told us no, they would pay us after all work is done and if there is anything extra left. US refused to cash and it stopped us from moving forward on repairs to get back on market. Whole inside of home was remodeled and painted. Our realtor at the time was XXXX XXXX ( XXXX ) XXXX XXXX XXXX. We are trying to get paid for our water mitigation as US has sold the mortgage to a company. XXXX XXXX stated will reissue me new checks but need to be made out the same and US Bank will not cash and pay us. XXXX XXXX ( XXXX ). US Bank Lost Claims fax  number XXXX Tracking number XXXX Property loss Department XXXX and spoke with XXXX. My name is XXXX XXXX current address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX and current cell phone is XXXX. 
We are currently requesting XXXX XXXX to issue the amount due to us for water mitigation and to release check in our name XXXX and XXXX 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 05/13/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been back and fourth with Navient/XXXX for over a year trying to work with them to get a lower interest rate for my loans. After filing the first complaint, I was told that I could participate in a program that would lower my interest rate to 1 %. The payment was still out of my reach but I agreed to the program. I submitted all of my information with a payment of {$300.00} and I was told that it would take a week for the program to be approved. I then received a letter stating that they could no longer offer me participation in the 1 % program but maybe I would be approved for the 3 % program which would increase my payment to {$400.00} a month. Mind you, I 'm a single mother with XXXX jobs on food stamps and Medicaid and I 've been diagnosed with XXXX. After they told me I was n't approved for the program, they have been harassing me day and night. Their customer service agents have yelled at me, told me to " get a better job '', told me " I was poor '' and that I just needed to pay my loan! Even being contacted by Navient/XXXX raises my XXXX. This company does n't want to work with you but rather make you feel insignificant and bad about yourself. I think they just call me to torment me. This is the worst company and all I want is some relief from Navient! HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/2016 I sent of a promissory note to payoff my loan with Santander Consumer USA. It was sent by Registered mail and was delivered XXXX/XXXX/2016. I received a letter from Santander Consumer USA stating that they do not accept my note however they did not return it to me either. The note was for {$14000.00}. The tracking on the delivery of the note is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Unknown account and no way I owe this, requesting validation and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (MA).
Issue: Transaction issue

Complaint: Had a series of fraudulent transactions on my USAA Credit card. Unable to determine which ones were resolved in my favor and which ones were not. Charge reposted for ( {$360.00} ) on XXXX XXXX, 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2016 about Mortgage (Conventional fixed mortgage) with UMPQUA HOLDINGS CORPORATION (CA).
Issue: Settlement process and costs

Complaint: Case number XXXX They still won ' give me my money. I can not do what they ask it is impossible. Please help me to the next step so I can get My money Back. By the way I called them to get specific information on my loan they said they understood what I wanted but kept sending the wrong stuff. They were rude and being difficult on purpose. I needed the part in the contract that says that if XXXX XXXX or should die the house automatically goes to living person.. I gave plenty of information to them about his death and that my name was on it. They are harrasing me. The person, XXXX XXXX XXXX call any one about his death and she will not cooperate with me. Do I have a legle case to persue or is Umpqua Bank going to be able to still my money. AS i said once before I will sue for harrasement and theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a wellsfargo mortgage modification program and I was denied. I have a surplus of income at this time and was denied. I do not understand why I can not find an reasonable option for me and my mortgage company wellsfargo. I will go to the media and provide them the my documents to show them my ability to pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: A foreclosure case has been commenced against the borrower in XXXX XXXX. Currently, mandatory settlement conferences are being held pursuant to NY XXXX XXXX XXXX. At a settlement conference held on XXXX XXXX, 2015, the Court directed the borrower to submit his most recent financial documentation to HSBC 's attorneys by XXXX XXXX, 2015, and directed HSBC to render a decision on the modification application by XXXX XXXX, 2015. 

On XXXX XXXX, 2015, the borrower, through counsel, emailed HSBC 's attorneys copies of the borrower 's six most recent pay stubs and two most recent bank statements for each of his accounts. HSBC 's attorneys confirmed receipt of these documents on XXXX XXXX, 2015. On XXXX XXXX, 2015, the borrower 's attorney received XXXX letters from HSBC, dated XXXX XXXX, 2015 and XXXX XXXX, 2015. In the letter dated XXXX XXXX, 2015, HSBC claimed that the borrower 's application was incomplete and asked that he submit certain documents by XXXX XXXX, 2015. In the letter dated XXXX XXXX, 2015, HSBC said that it would discontinue processing the application because it did not receive the allegedly missing documents by the deadline. Neither the borrower nor the borrower 's attorney received either letter before XXXX XXXX, 2015. The borrower appealed this decision to discontinue the review on XXXX XXXX, 2015. 

At a settlement conference held on XXXX XXXX, 2015, HSBC 's attorney stated that HSBC would continue with its review of the application. To date, however, the borrower has not received a notice that the application is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Disputed collection on account # XXXX. Account opened in XX/XX/XXXX by XXXX XXXX ( family member ) before I owned the house. I purchased the house in XX/XX/XXXX. They can see that the debt was not mine, have said so to me on phone, but will not remove from credit report. They are trying to get me to pay the debt.

Company response to consumer: Closed
Consumer complaint received 08-12-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX Mortgage bought our mortgage from it 's own subsidiary, BSI Financial Services, which was the original lender, in late XXXX or early XXXX. Since the " change '' of the mortgage ownership, we keep getting letters from XXXX XXXX Mortgage trying to a ) create an escrow account for our property insurance -- in early XXXX, and b ) telling us that they need information about our insurance to be updated. 
In the first instance, we contacted them and were told that it was clarified that we did not put the insurance in escrow since we pay it separately. They never sent us a confirmation-this was in XXXX. The number that I called was a collection number even though we have never been in default. 
In the next instance, I contacted their website at www.imcovered.com/commercehomemortgage, where they were trying to sell me an insurance policy. 
I am very concerned that XXXX is trying to force me to pay my insurance fees through them, or force me to buy insurance from them, with thinly veiled threats that I will be defaulting on my mortgage if I do n't comply. 
I have already spent over 10 hours trying to reach these people to ensure that my account is not jeopardized and my credit is not harmed. Everytime I call them I get a different person who then gives me a different phone number to call. 
I also find this link at XXXX where the list of allegations against BSI sound similar to my experiences with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Wrote letter to XXXX XXXX XXXX/XXXX XXXX requesting validation of debt and to provide legal validation as required by my state that I have an account with them or any liability to pay them. I do not have any obligations, contracts, agreements to pay and disputed this debt in its entirety via tracked mail directly to the company and they have provided no response validating my request. However they continue to place miscellaneous balance increases to my XXXX XXXX XXXX reports, XXXX has removed this from my reports as it is clearly a violation to report inaccurate information. This is an attempt to resolve this matter without further harm to my credit file and having to take additional action against XXXX and their illegal reporting practices. the last that I saw in my credit files was an amount of XXXX XXXX  which continuously increases little by little. Upon contacting the listed OC - original creditor I did receive a letter saying it has a 0 balance and has been with another company aside of this XXXX XXXX. it reflects a false balance, it reflects false responsibility, it reflects inaccurate dates which affect the Statute of Limitation of the credit agencies. This should be deleted from my file of XXXX  and XXXX as it is in violation of many reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (I do not know) with Mid-Atlantic Consumer Services (NV).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I keep getting calls from this debt collector, stating that they are taking me to court and have been " trying to serve a summons '' for a debt we do n't even owe to XXXX XXXX. I called XXXX XXXX and they have no record of us owing any $ $ - since we closed our account with them in 2009. Caller said she was XXXX XXXX and that a court summons would be served between XXXX today - no court summons was served. Said we had to call XXXX and reference XXXX or they would freeze our bank account. She called my place of employment. How she got that #, I have no idea. Internet search shows this is a scam. I do not want these people calling me. If they have proper paperwork, they should send in the XXXX. 

Also received calls from XXXX " XXXX XXXX '' and XXXX X XXXX " XXXX XXXX '' - all saying they are " trying to serve a summons ''.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Credit card debt) with Crown Asset Management, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: THIS COMPANY IS SENDING ME A BILL IN MY PERSONAL NAME FOR DEBT COLLECTIN I NEVER PERSONAL GUARANTEE THIS ACCOUNT IT WAS COMPANY ONLY COMPANY LIABILITY ACCOUNT AND NOW THERE TRYING TO COLLECT ON A BANKRUPT COMANY IN MY PERSONAL NAME I WAS JUST A BILLING CONTACT

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have contact  National Credit  Systems on several occasions in regards to comments on all  XXXX  of my credit files that I want removed. After being told several times that someone would call me back I finally spoke with  XXXX   XXXX  at ext  XXXX  today,   XX/XX/XXXX     who put her  XXXX   XXXX   XXXX , who identified herself as a supervisor. When I explained to her that I have asked all  XXXX  credit bureaus to remove the comments " consumer disputes this information '' from my file since I am no longer disputing this debt and they informed me that every time they remove the comments  National Credit Systems  add the comments back on.  XXXX   XXXX   XXXX  informed me that the only way the would remove the comments is if I paid the debt. I told her I was no longer disputing it and want the comments removed, she again repeated that the only way they would remove the comments is if I paid the debt right now and did I have a credit card handy. I told her I was not paying this debt, but am no longer disputing it. That I 'm trying to obtain a mortgage and need the comments removed and since I was the one the initiated the dispute and am no longer disputing it, I am requesting that they stop put the comments back on when I have them removed, she told me that this is n't going to happen, and again the only way they would remove the comments is if I paid this debt in full right no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: XX/XX/1998 I attended XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL. A few years later the school closed and I have n't been able to find out if that school was actually closed due to fraudulent activities or not. I have student loans in which I am required to pay ; however, if the school is closed am I still responsible for these loans. Sallie Mae was my original lender. Any help would be useful. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Filled out the form and mailed it to XXXX, GA. I had asked for all XXXX reports. Experian balks and refuses to supply a report. They ask for additional data. They need a copy of a bank statement, a copy of a State issued ID, a copy of a utility bill and addresses for the last two years. XXXX did send me my report. I have been receiving credit reports for the last fifteen years w/o a problem. I ask them for data and they respond by asking for data??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My interest rate increases from 3 percent to 13.12 percent every XXXX ; even though I am on an adjusted interest payment plan. My payments are suppose to be {$220.00} every month as long as I submit to an automatic debit even though the payment fluctuates. I asked for information on the type of payment plan and the restrictions, requirements, and events but I am always told " you will receive that information via email '' but I never receive anything. My renewal month is XXXX each year for which I receive an email ( enclosed ) in early XXXX to which I promptly respond. 
My interest rate should not increase like that if I am on a payment plan, renew ontime, and pay ontime? 
Best regards, XXXX supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Settlement process and costs

Complaint: We are ready to sell our home and we need a Corrected Satisfaction from Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Other debt) with ERC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX reported to my credit report XX/XX/XXXX. After purchasing the debt ( {$1200.00} ) from a collection agency ( XXXX XXXX XXXX ) who was not authorized to report on my credit due to having invalid information. I was never notified to the debt being sold or my right to dispute. I understand I am supposed to have 5 days but I was given none. The original debt was from XXXX in XX/XX/XXXX with the amount of {$540.00} being owed. None of the information XXXX XXXX XXXX is reporting is accurate, along with the fact that I was never notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was taken over by Nationstar Mortgage from XXXX XXXX XXXX in XXXX 2015. For 10 years at XXXX I paid my mortgage bi-monthly as a term of my mortgage and there was never a problem, I was never late. I continued this practice when Nationstar took over. I have NEVER missed a payment. Now, they call me constantly telling me I 'm late, when I am not. Apparently they misapplied a payment initially which makes them think I am late. I have assured them that I have not missed a single payment. They are telling me that I now have to pay a private company {$290.00} plus a monthly fee to make my payments like this. Are you kidding me?? When I spoke with them in XXXX, the operator assured me that the misapplied payment had been corrected and that my account was current, but that never happened according to the call I got yesterday. It is very difficult to deal with these people as everyone I have spoken to has difficulty with the XXXX language. Now for the ultimate insult, they are now reporting to the credit bureaus that we ar 30-59 days late on our mortgage. This is slander of the highest degree since my account only shows that I am 15 days late even tough that is not accurate either. I have never been late on this loan and I do n't intend to be treated like this. They are ruining my credit for no reason at all. I will await the result of this inquiry and pursue legal action if necessary.

Company response to consumer: Closed with explanation