milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: bankruptcy public record and some information that is not belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (I do not know) with Commercial Acceptance Company (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have an account in collections  that was opened on my credit report this month. The account is listed as " Commercial AcceptanceCompany '' and  says the account was opened on  XXXX / XXXX / 17  with a balance of {$1900.00}. I 've left multiple messages at the phone number  XXXX  but can never actually speak to a person and do not receive a call back. I did not open any accounts in  XXXX  of this year and have absolutely no more information on the 'debt ' which I believe is a fraud ulent one. I am frustrated and do not know how to proceed. My credit score has dropped significantly due to this.  What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had a student loan debt in the amount of {$2500.00} give or take a few. XX/XX/XXXX I paid over {$8000.00} to take care of that debt and am still paying now - just recently I was sent to XXXX to pay the last {$800.00}. I received a XXXX for showing XX/XX/XXXX a total of {$3.00} was paid as interest on my student loans. I have called several times requesting a SOPA letter have been transferred back and forth between all XXXX companies above all claiming " the loan is no longer with us - is purged we can not see the information '' and " you need to contact this additional number to request that '' only to be told to go back to the other for the SOPA letter. With the exception of XXXX whom only says we know nothing other than the {$800.00} we just took over. Which is where the {$3.00} of interest came from. 
I was also told that once I made those payment to XXXX for XXXX months and it was picked up by a lender ( XXXX ) that all delinquencies would be removed from my credit which is the only reason I agreed to go thru with the program ... not that I had a choice they took {$5500.00} tax return last year which by my calculations should have more than paid it off. I paid that {$5500.00} in XX/XX/XXXX and since XX/XX/XXXX have paid {$56.00} a month and now continue to make payments and of the original XXXX loans totalling {$2500.00} now show XXXX loans on my credit report all XXXX show delinquencies and only say " paid as agreed '' I have asked what their rates are no one seems to know all these agencies ( XXXX, XXXX, XXXX - XXXX XXXX ) just keep sending me to each other getting lost in the shuffle of voice systems that never lend to my issue ( inactive/paid loans ) and reaching customer service can be time consuming and difficult - when I do they never help or have an answer. XX/XX/XXXX I tried to make whole on these small loans - was told this program was only thing I could do to " save '' my credit - that appears to have been completely false. 
I never received pre claims assistance - I was lied to about how to make whole on this account- I have paid well over XXXX times the debt amount and still paying. I have no idea what is interest or fees. I have incurred more debts trying to pay these debts that just keep burying me deeper - this whole process is predatory and theft. UPDATE XX/XX/XXXX I received the total amount of interest paid was {$36.00} that seems way out of sequence on the over {$7000.00} I paid this year alone on a total {$2500.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Accounts were opened fraudulently. The following accounts still remain on   XXXX   & Transunion.   XXXX   XXXX   XXXX  , opened  XX/XX/XXXX &   XXXX   XXXX   XXXX   {$590.00}, opened  XX/XX/XXXX . The exact same accounts was on  XXXX  however   XXXX   was able to remove the accounts. All   XXXX   bureaus were sent the exact same information to fix the dispute.

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 03-02-2017 about Student loan (Federal student loan servicing) with Collection Technology Incorporated (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loans went into default. I worked with XXXX. XXXX XXXX XXXX to get my student loans out of default. I st up payments with them for a year and then at the year they told me they could no longer help me. My account was then sold to another collections agency with out my knowledge. I have been trying Contact my original loan service to see where the debt had went. They were unable to assists. Said i did not owe. Now my check is being garnished by Collection Technology XXXX XXXX XXXX and when i try to contact them i can never get thru. I have never recieved a bill from the new collecion agency however they were still able to process a wage attatchmnet. I have filled out several applications for loan consolidation and I am not sure which direction I should be headed in and who to reach out for help

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 06-02-2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The collector requested money not owed and threatened to report the false debt to the credit bureaus. There is no debt! Medical bills were filed with XXXX and my XXXX XXXX and payment was rendered. Furthermore, I received nothing regarding the bills from the hospital that turned me over to the collection company. To resolve the issue, I had to spend time to find my XXXX and then fax the information to the debt collector. The girl I spoke with told me to find the information to prove to her there was no debt She stated that she could file an insurance claim if the claim had not been filed and she could receive the payment, yet she could not check with the insurance company herself to see that there was a claim. I do n't understand how she can get money, but ca n't get information from my insurance company! This is wrong!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Credit card) with Forster & Garbus LLP (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Forster and Garbus, located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX has been paid in full by me and refuses toforward to me, the letter of satisfaction stating that they were paid infull. Forster and Garbus bought the debt from XXXX and filed a judgment in the with XXXX County Court that states as non satisfied debt paid. I have left Forster and Garbus several voice mails giving them the change of address to send the letter of satisfaction and I have received no response. My new address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The previous address was XXXX XXXX XXXX, XXXX, NY XXXX. I want a letter of satisfaction sent to my home or please advise me on what the next steps to take to have them send what I need. In addition, much of the debt on the XXXX credit card was charged when I resided in the state of XXXX prior to returning to XXXX. They, Forster and Garbus had knowledge of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: This is the second time I 've submitted a complaint about ditech ( re complaint numberXXXXXXXX ). I could n't find a way to say that ditech 's response was n't clear. Maybe I was too late. 
On XXXX XXXX, XXXX I received XXXX pages ( cover 'em up XXXX ) attempting to justify ditech 's saying I owed a bogus debt which I did n't owe. 
I 'm sending scans of communications I 've had with XXXX, Green Tree and ditech. Here is a list of what is included : 1_Letter from XXXX dated XXXX, XXXX page 2_Letter from XXXX dated XXXX, XXXX page 3_Letter from XXXX dated XXXX 4_Letter from XXXX dated XXXX 5_Letter from XXXX dated XXXX, XXXX page 6_Letter from XXXX dated XXXX, XXXX page 7_My Escrow Waiver Included in the Original Contract 8_XXXX page of Green Tree 's Spread Sheet 9_Statement from GT dated " due XXXX '' 10_Statement with pay reversal 11_Statement " due XXXX '' 12_Statement from ditech for XXXX XXXX Compare the date of XXXX/XXXX/XXXX on my letter from XXXX ( number XXXX above ) with Green Tree 's spread sheet ( number XXXX above ). Note the letter from XXXX dated XXXX/XXXX/XXXX ( number XXXX above ). I 've included my waiver for escrow ( number XXXX above ) -- I 've never had an escrow account. 
I was never late with my standard payment on the mortgage or for taxes and homeowner 's insurance. 
I never got an XXXX statement from ditech. I had to call ditech for the address which address to which I should send the payment -- It was the same address as Green Tree 's. 
In spite of XXXX letters, XXXX from me and XXXX from my then attorney, ditech still addressed their communications to my attorney 's office and I got them past the due date, the first of the month. 
Statement from ditech ( number XXXX above ) ... has pay reversal but still has the bogus debt named " XXXX XXXX XXXX. '' I received XXXX more statements for the first of XXXX, XXXX, and the first of XXXX, XXXX, which I did n't pay because my new mortgage was in process. I do have a new mortgage with my credit union. 
It cost me nearly {$5000.00} to get a new mortgage, including attorney 's fees, which I could n't afford.

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 monetary relief
Consumer complaint received 06-10-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I received a check from my insurance company for roof replacement made payable to myself, a XXXX veteran, and my spouse. It was also made out to the previous mortgage holder, XXXX XXXX I endorsed the check and gave it to the roofer. He in turn, took it to the Bank of America Branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The bank cashed the check without the endorsement of the mortgage holder. I also called XXXX XXXX Bank, the bank the insurance check was drawn on because Bank of America told me ( after multiple calls to them ) that it was a XXXX XXXX problem not theirs. However, XXXX XXXX did not cash the improperly endorsed check, Bank of America did, I believe that the Bank of America did not follow their own guidelines when they cashed this improperly endorsed check. Please advise and I have provided a copy of the check in question. The other signature besides those of my husband and mine, is that of the roofer, XXXX XXXX. I have also filed a police report as XXXX XXXX never did the roofing work so I am out XXXX the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My XXXX XXXX XXXX was declared a total loss. The incident occurred only 2 weeks of getting it. I called my lean holder, TD Auto, to inform them of the situation. After informing them of what was going on they told me to hold of on making the payments, that i only had to worry about making the interest payments. The whole loan was payed of by the insurance and gap insurance. I was then hit with a late payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (KY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX XXXX, 2017, I attempted to access www.citicards.com to pay my credit card bill with Citibank. I 've paid my bill this way for a number of year. My account with Citibank has been closed a number of years, dating back to when I refused to agree to an interest rate increase. When I input my log in information into the website I received a message that my identity needed to be verified via phone call or by " another way ''. I selected the telephone call and waited for the call to come in for around 10 minutes. In this time I did not receive a call. I then attempted to log in again and this time selected the verify my identity another way option. That option landed me on a page that instructed me to call customer service. I called customer service and spent close to 45 minutes on the call before being informed that I could n't access my account online because I had a closed account. They offered no explanation as to why I 've had online access with a closed account for years and it suddenly was cancelled. I was told that I could register my online account if I had the physical credit card. I informed the customer service agent that I no longer had the card since the account had been closed for years and asked if she could provide my full account number to me. She refused citing security reasons. I am left with a situation in which a creditor has knowingly and against my wishes removed online access to my account. This makes it much more difficult for me to remit payment to them in a timely manner. I believe this action was taken to increase the likelihood that I will miss a payment or have a payment arrive late. Then they would have the opportunity to charge me late fees and increase my interest rate. This is a clear violation of UDAAP in my eyes. There is not logical business sense to cancelling an account holders online access outside of hoping it leads to increase in missed or late payments and ultimately more fee and interest income for Citibank.

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 12-12-2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: After we bought homeowners insurance from XXXX XXXX XXXX. On XX/XX/XXXX we had our agent Notice our mortgage co of same. XXXX refused or neglected to accept our regular mailed notices from our agent and from ourselves to three different XXXX offices in MN., IN. and Texas so we finally sent notice by registered mail which they accepted in XX/XX/XXXX but not before they bought a property loss policy with coverage to under {$400000.00} while our mortgage was over {$850000.00}. We could not understand why they would buy such low coverage. 
Now we think we know. 
By XX/XX/XXXX we increased our coverage to over XXXX XXXX including our personal property and told XXXX to obtain a refund from their insurance co. and credit our escrow tax & insurance set aside for {$2400.00}. They admit in letter attached on XX/XX/XXXX they had made a mistake and should have credited our escrow account since XX/XX/XXXX but as of XX/XX/XXXX see attached letter from XXXX they had refused to do so even though we had sent 8 letters and email since XX/XX/XXXX - XX/XX/XXXX. giving notice and requesting credit back into our escrow account. 

The XX/XX/XXXX letter gives us NOTICE OF FORECLOSURE if we do not pay an additional {$2700.00}. into our escrow account to pay our property taxes. We will pay this demand for {$2700.00} under duress even though according to our accounts have {$1900.00} plus the " lost '' {$2400.00} or only short {$100.00}. to pay out tax bill first installment. 

We believe elderly property owners such as us who have a huge equity position in our property are targets for a foreclosure proceeding and that is why XXXX bought such low coverage. On XX/XX/XXXX our home and personal property was completely lost in the XXXX XXXX XXXX in XXXX Ca. Had we not asked XXXX to cancel it 's {$400000.00} policy we would now be forced into foreclosure and possibly bankruptcy. 

We believe XXXX 's policy of buying under coverage policies for high equity properties and rushing to pay for insurance and taxes months before the bills are due is a policy with criminal intent and by delaying or neglecting to restore escrow accounts appears to be fraudulent at best. 

The actions of XXXX has caused my wife and me many sleepless nights and hours of phone calls & letters without end. We as older folks are sometimes subject to these kinds of threats which cause great pain and suffering. We hope you can bring the law to bear on this firm.. 
XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Credit card debt) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company below calls me everyday and late night and sends letters threatening I pay this debt. I told them its not mines. They said its me and I must pay it. 


COMMONWEALTH FINANCIAL XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Type : Collection Department / Agency / Attorney Collection Account Collection Account Account Status : Closed Closed Open Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$550.00} {$550.00} {$550.00} Terms : 1 Month High Balance : Limit : Past Due : {$550.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Unpaid Comments :

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with XXXX, XXXX, and XXXX. The credo bureaus remove it, however XXXX XXXX XXXX continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at XXXX to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for XXXX XXXX to also send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ). 

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers : XXXX XXXX CFPB Complaint : XXXX Credit Bureaus Complaint ID : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ASSET MANAGEMENT OUTSOURCING, INC. (ME).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Just looked at my report and see this account I there never had a right to dispute letter and never was notified of the debit in question I did have uscell but it did n't work in my area so I cancelled itunder fair credit report act I must have right to dispute letter before posted on my report this had broken the fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I obtained a single-use security freeze lift PIN from Experian and provided it to XXXX during a credit limit increase process. XXXX told me the PIN would not work for them to obtain access to my credit report. I then paid {$10.00} to temporarily lift the security freeze from my credit report. XXXX says they still can not view my credit report. The freeze is in place as a result of the Federal OPM data breach. How do I obtain credit if Experian will not honor what is published on their web site?

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 08/20/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (ID).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Macy 's and affiliate collection agency has called 120 times over a 20 day period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Principal loan amount XX/XX/XXXX : {$22000.00} Loan balance now : XXXX Total loan INTEREST paid so for : XXXX Navient is going to add the total amount of principal paid by me in the days to come, but I have paid at least {$10000.00}. So far it shows at least {$41000.00} total paid out!!!!!! 

FYI : From XX/XX/XXXX to XX/XX/XXXX I paid religiously {$280.00} a month for 10 years that is a total of {$34000.00} and I still owe {$12000.00}!!!!!!!! My payments are {$300.00} a month for the next 5 years that 's another {$18000.00}. Over 28 years that 's {$60000.00} on a {$22000.00} loan. I think I have paid my fair share!!!! On XXXX, in the blog section, regarding class action suit against Navient ; there are dozens and dozens of people just like me, in the same boat.

Company response to consumer: Closed with explanation