milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage Corporation is denying receiving monthly payments that were withdrawn electronically from checking account by their bank, XXXX XXXX XXXX. Freedom Mortgage has taken no action to track done these payments through XXXX XXXX even though they were given the Trace ID numbers. The only response to date on my requests to resolve these payments issues are letters saying they need 30 days to research, but it 's now nearing 60 days old and no response. I need assistance to resolve this issue as Freedom Mortgage only cares to charge me interest on payments their Bank withdrew and has no incentive to cooperate with me as they would prefer to foreclose and take my home. All request to talk to a senior supervisor while on the phone have been denied. Freedom telephone response is either their Cash Department or Research department will look into it. 

The problem began when I changed my checking account and bank routing information using Freedom Mortgage online system. Freedom says I closed my reoccurring payments, but their bank, XXXX XXXX XXXX, continues the unauthorized withdraws from my checking account without anything being posted to my loan. It appears Freedom Mortgage system did not properly transmit the correct data to XXXX XXXX XXXX. XXXX XXXX continued the withdrawals in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and this money is either going to someone else 's loan or being deliberately stolen my employee theft. Freedom Mortgage has charged me interest on my account for the mistakes made by them and XXXX XXXX, which is illegal and fraudulent. My bank has been on the calls, agrees with this assessment, and has never seen such bizarre behavior.

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 05/18/2017 about Student loan (Private student loan) with Genesis Lending (CA).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I attended   XXXX   XXXX   XXXX   XXXX   campus from    XXXX   XXXX  -  XXXX   XXXX  . The school had me take out a Genesis Loan. When the campus clos ed i was still paying on my  Genesis lo an, when genesis closed down they changed to another company that i cant remember the name of and then changed again to   XXXX   XXXX   XXXX   (  XXXX  ). My g enesis Loan  was approximately {$4900.00}. Currently through  XXXX  i owe {$4300.00}. I tried explaining to  XXXX  that a school made me take out this loan and i was unable to make the minimum payment and also me being in school and the loan company told me since it was a private loan they dont do defferments so i was going to have to find a way to pay for the loan. I currently get  3-4  calls per day from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: i went to get an auto loan and when they ran my social security number it came back as deceased. i have all called all XXXX credit agencies and no one can seem to give me an answer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (KY).
Issue: Application, originator, mortgage broker

Complaint: XXXX of 2015 Quicken Loans agreed to a short sale of my home located at XXXX XXXX XXXX, XXXX Mi. XXXX. As part of this agreement, Quicken Loans included in the contract that I would receive {$1000.00} if my home were to sell by XXXX XXXX, 2015. The sell of the home took place on XXXX XXXX, 2015. As of today I have not received one penny of the {$1000.00}, which is 5 months after the sell of the home. I spoke to XXXX XXXX at XXXX XXXX weeks ago and receive no resolution. 
Dealing with Quicken Loans has been one of the most frustrating and stressful experiences I 've ever had with a company. They talk about service and doing everything they can for their customers, but in the end they care nothing about customer service. If a company signs a contract, they should honor it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with Cawley & Bergmann, LLP (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX at XXXX AM XXXX XXXX at XXXX, from Cawley & Bergmann told me that an acct I had with XXXX ending in # XXXX in the amount of {$4800.00} was being collected by XXXX. I asked XXXX XXXX for validation of the debt because it was from XXXX or XXXX and I had been a victim of identity theft. He then stated that if the debt is validated then other legal action could be taken against me, by a lawsuit, and then asked me if I would like to settle the debt for {$3100.00} or something close to that. XXXX XXXX tried to scare me into a settlement by telling me XXXX would obtain an attorney and take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After obtaining my credit report I mailed a certified letter on XX/XX/XXXX to all 3 credit bureau 's. Also, after obtaining my report, I updated information that I found to be inaccurate and disputed a collection account. The collection account was from Diversified Consultants for the amount of {$220.00}, claiming the dates to be from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I sent a certified letter to Diversified Consultants asking them to verify and validate the debt that they have listed on my credit report. Validated debt shows an original contract with my signature on it. I also included in my dispute a hand written letter asking Diversified Consultants if they were legally able to attempt to collect the debt they claimed I owed. The reason I asked is because the address that was listed on my credit report was not listed on Florida 's Secretary of State website. As a consumer, I have rights and if Diversified Consultants can not validate this debt and if their business is inactive ; I want this debt deleted from my credit report ( all 3 bureaus ) or else I will pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Trouble during payment process

Complaint: My loan had been transferred to 3 different service since origination from country wide XX/XX/XXXX ; my loan had adding additional charging drastically ; each time is a new servicing my amount incremented. I need to solved this matter is seams like whenever I tried to get any explanation my loan is sold or transferred. Please helm me ; I do not owed what lenders staying I owed. 
Below a copy of the letter sent to new service SPS. 

XX/XX/XXXX Ref : loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSelect Portfolio XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX I am disputing the above referenced debt, please verify this debt as required by the Fair Debt collection Practice Act ( FDCPA ) I was notified by your company on XX/XX/XXXX regarding an alleged debt I have reason to believe I do not owe the amount you claimed because since this loan had been transferring since XX/XX/XXXX from several lenders ; I had been overcharging ; this loan had been transfer to three different service ( including XX/XX/XXXX ) since the time I purchase this property for the amount of {$270000.00} ; Back on XX/XX/XXXX I owed the amount {$230000.00} and balance had been increased drastically ; there is an error on the balance charged. See enclosed documentation with correct amount owed for this loan. Need correction be made ; also I had made payment for the amount of {$1500.00} for the month of XX/XX/XXXX on XX/XX/XXXX. All my payment had been on time. Enclosed proof of payment and copy of escrow forXX/XX/XXXX ; If I need to hired a lawyer and had the court review my case I will had not problem. I am very frustrated the lenders had overcharging me for an amount I do not owed. I need your help to resolved erroneous information that had been dealing for too long. 
I request all of the following information be provided to me by mail : 1- Proof of my agreement to pay the original creditor.
2- A copy of the final Account Statement issue by the original creditor.
3- A Break down of the total amount due, showing principal, interest, and other charged, and 4- For all other charges ; the date of and basis for each charge. 
5- The full name and mailing address of the original creditor for this alleged debt ; 6- Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 7.-Documentation showing you are licensed to collect debts in Florida Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged erroneous amount and made the correction as necessary. 
Under the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Making/receiving payments, sending money

Complaint: I believe WellsFargo has opened an account on my behalf without my autherization. I have copies of all transaction since 2013 and do n't like what I seen. WellsFargo has too many transactions that says " save as you go transfer debit to and as low as {$2.00} & high as {$12.00}. I never authorized it and never signed anything, this is fragulant action and want to be protected and want my hard earned money back.

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
Consumer complaint received 01/19/2018 about Mortgage (VA mortgage) with Ditech Financial LLC (GA).
Issue: Trouble during payment process

Complaint: Problem : Ditech is my mortgage company looking at the statement since XXXX and what I owed versus what I paid, unable to understand how the money paid was allocated and to whom because new statements reflect new/different charges. Also my Principle on XX/XX/2017 was XXXX and in XX/XX/2018 its XXXX but I paid XXXX in XXXX. I have called and was told it was being review and someone would get back to me but they dont and today was told to submit the request in writing but the agent was not sure about any details and when someone would get back to me. We were behind on our payment and since XXXX have been aggressive about catching up and last time we spoke, like the time, prior, and prior to that, was told to pay this amount and then you will be caught up. I think part of the issue is that inXX/XX/XXXX {$4500.00} was reapplied to my account. This is money what was paid and applied prior inXX/XX/XXXX. In XXXX of XXXX the money was backed out to my account, backing out monies from Principle, Escrow, advances or anything related to the loan and the remainder was applied to monies owed but I still think I am over charge and with details, I could understand if I am not, that is a possibility

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I attended the XXXX XXXX of XXXX and XXXX in XXXX Illinois. When I applied for student loans I was told my parents income was too high to qualify for federal loans, even though they were unable to help pay my college tuition, and was forced to take out Private Student Loans through XXXX XXXX. Upon graduating I was unable to repay the loans so I was forced to defer them. Eventually I began to make payments, around XXXX dollars a month. I have been paying the loans on time for over a year now and without warning they have now began taking an additional XXXX dollars out bringing my monthly payment to over XXXX dollars a month. When I called they told me it was because of added interest. When I tried to look into reducing my monthly amount they told me there was nothing they could do for me because I have cosigners. My cosigners are my grandparents, who are not able to help financially, nor would I expect them to, and my aunt who also is not able to help. They are unwilling to work with honest people who want to pay off their depts and continue to up the monthly payment without any type of warning.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am contacting you today, XXXX XXXX 2015 for the second time after not hearing back from you on XXXX XXXX as you stated in your response phone message to my first complaint. Please remove the XXXX XXXX account from my Transunion credit report as it has been closed and is reported closed on the XXXX credit report. 
Please respond immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Trouble during payment process

Complaint: I   was in a Chapter  XXXX . Discharged i n   XXXX   XXXX  . In    XXXX   XXXX    XXXX  , I found out Ocwen was not assigning my mortgage payments to proper account, they put my payments into suspense balance. From  XXXX  through  XXXX  they listed my payments as delinquent and subsequently started the Foreclosure process against me. They charged attorney fees against the account. I found this out in  XXXX . They corrected the payments in  XXXX   but not go back and crediting those payments for dates actually received, thus excess interest is charged. Now I am out of the Chapter   XXXX   and their records show I am still part of a bankruptcy. They are holding a large balance in the suspense balance account to this date. They are also not reporting payments to the Credit  Agencies.
They have consistently miss managed my escrows and payments throughout my Chapter   XXXX    process. Saying I was short in Escrows  then last year sending me a check for excesses in the account. Their entire accounting practices seem wrong and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with Williams & Fudge, Inc (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Williams & Fudge just attempted to contact a family member residence to request information pertaining to XXXX XXXX XXXX, consumer, however, consumer XXXX XXXX XXXX answered the residential phone and asked what the business matter was in regards to and the representative XXXX indicated that she could not disclose. Therefore, it was suggested that XXXX not contact family members again as I have no business matters that I use family members address or phone number ( s ) for. It is believed that after reviewing the webpage for Williams & Fudge that this matter is related to XXXX University and the complaint should be associated with XXXX. XXXX University additionally contacted XXXX XXXX XXXX  on XXXX XXXX, 2017 via personal email to fill out additional paper for financial aid, however, the consumer has not done so. Additionally, I was charged a graduation fee and I do n't see or have received a letter telling me where to pick up the diploma ( Tennessee ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Checking or savings account (Other banking product or service) with M&T BANK CORPORATION (NJ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I had previously filed a complaint, CFPB case number XXXX, because M & T Bank had refused for over six months to update my account with my new address and was knowingly sending personal and confidential information to my old address. I filed my complaint as I was concerned that M & T Bank would send my XX/XX/XXXX XXXX tax information to my old address. M & T Bank response to my complaint did not make any sense but as part of its response M & T Bank stated that it had updated my address in its records and that my XX/XX/XXXX XXXX tax form would be send to my correct, current address. Specifically, the XX/XX/XXXX letter they sent to me states : " the address has been updated for any applicable year-end tax forms. '' However, my address was not updated and M & T Bank willfully and knowingly sent my year end XX/XX/XXXX XXXX tax information to my former address.

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 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was involved in a car accident in XXXX of 2013. I was not at fault and the other driver 's insurance was to pay all medical expenses. The insurance company was XXXX and all expenses were paid in full. The collection angency has been in contact with me multiple times and each time I inform that that I am not responsible for this debt and they should contact XXXX. I am then told that it is my job to contact XXXX to collect the debt. I did not handle any of the paying of the other medical bills as all bills were paid directly paid by the insurance company. I then offered to pay the balance in order to remove this from my credit and they told me that I was irresponsible and they would not remove it even though I am paying a debt I am not liable for. This amount is affecting my credit score for an incident that I should have no part of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am attempting to perform a refinance for dept consolidation. I was advised to address negative credit reporting from my credit report ASAP. Gold Key Credit appears on my credit report 4 times as a creditor  experiencing delinquency. I have never had an account with the company or received an invoice or anything substantiating that I have a debt to them. I am a XXXX XXXX retiree and XXXX  victim. My wife was diagnosed with XXXX a year ago and I have resided with her in XXXX XXXX XXXX ICU for the past XXXX days. It is imperative that I get negative reporting removed from my Credit Report for an improved score and my refinance approved. Reviews of the company indicate that they data mine for any outstanding medical dates and consolidate them for negative credit reporting with varying degrees of accuracy. 
I have always had superior Medical Coverage and never avoided paying a copay at time of service. It would be a great accomplishment to get bottom feeders like Gold Key banned from negative credit reporting. If someone was not paid for one of my accounts it was an error or the care provider did not document what service they performed with date and location of service to be paid by my insurance. This is the first attempt to address these 4 negative entries on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Debt collection (Medical debt) with Capio Partners, LLC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: During Last summer XXXX XXXX My daughter was taken to the emergency room at XXXX TN XXXX XXXX XXXX. My daughter resided in XXXX with her mom and her insurance provider is from Indiana. We provide insurance information and we have never received any claim in which the file were refused or unpaid by the insurance. They insist in making us paid for a claim that was never failed with the insurance. <P/>Now they hired Capio Partners LLC out of XXXX TX to attempt to collect the debt and threating with the possibility to be turn over for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2016 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Have continued to have full coverage of insurance on our house, we are waterfront and carry, hazard, flood, and wind insurance. Received letter from Provident Funding about 4 weeks ago saying our wind insurance had expired. That was untrue and had our statefarm agent call them and then fax a copy of deck sheet showing them as mortgagee. 
We received another letter today claiming wind coverage had expired and with the letter they had FORSE PLACED COVERAGE. 
I called my agent and she has documentation saying they were given the information requested, She again called them and they finally found the documentation sent several weeks ago. They told the agent they would resend the new policy they had written.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Possible breach of privacy regarding sensitive personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (PA).
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 believe the past due balance and last payment are not correct. 
1-TFS Account history document and deficiency document show different numbers, The balance, vehicle sale and all numbers dont much. which numbers are correct? 
Account history document : the Loan balance in XXXX, Vehicle sale {$12000.00}, Past due balance {$3400.00} Deficiency document shows : the Loan balance in XXXX, Vehicle sale {$13000.00}, Past due balance {$3700.00}. 
I am requesting that you send me an explanation of the methods used, and a description of the records reviewed. 
2-XXXX My last payment was for the month XX/XX/XXXXas shows on the account history document also on right side showsXX/XX/XXXX ( 30 DPD ). Refund from Gap insurance isnt a payment.

Company response to consumer: Closed with explanation