milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Debt collection (Payday loan) with Nationwide Debt Management Solutions, LLC (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Nationwide DMS, representative XXXX XXXX called my co-worker today on XXXX XXXX at a number I did not provide, asked my co-worker if they worked with me. He provided a call back number of XXXX and asked my co-worker to provide his number to me and have me call him. He then asked my co-worker is she was my boss to which she replied NO and he asked for the name and number of my boss, which was not provided. My co-worker now knows that I have a debt collector looking for me and I absolutely did not provide my co-worker 's contact information. 5 calls placed to my direct line at work on XXXX XXXX, 3 calls placed to my cell phone on the same day. Very aggressive collection practices and disclosure of my personal information in regards to my debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: my loan was sold to bsi financial co last XXXX 2015 .they up my mortage payment by XXXX $ monthly.i contacted them as I have a payment history as well as an escrow history showing from XXXX. all the updates and also showing no outstanding balance on the escrow account they even paid the home owners insurance for the following year .I contact bsi and also wrote to them .they worte back there was a shortage in the escrow acct. they did not give me accurate info .the only thing they said in the letter is that they spread the shortage over 1 year which totals XXXX $ .I am on XXXX and receive help for the state to pay my taxes they received over XXXX from state of nj to appy to my escrow to lower my taxes .now I am not recieveing my mortage evey month I had to send a letter to get a statement. I have never been late.the statement I got was for 2 months showing I did not pay XXXX payment which it is due by the XXXX I was charged a late fee and they cash my mortgage check yesterday.i am not able to go on the website or speak with anyone about my account. also my mortage is an adjustiable which adjusts next month .the new payment shows the XXXX $ extra to continue for the new year of payments.i need help to resolve this issue as my hands are tied.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A Federal Trade Commission Report has been provided and all credit bureaus have been made aware of identity theft. Experian has been provided with a Federal Trade Commission on identity theft and instructed to correct incorrect information and remove fraudulent information from credit report. XXXX has address and respond to identity theft with propriety while Experian has refused to address my concerns. XXXX has provided no resolution and establish no contact to this date. Experian has been provided with XXXX report reflecting corrected information in response to identity 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 non-monetary relief
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I obtained my XXXX credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: According the Equifax 's website, they believe my personal information has been compromised by a recent cyber-attack. This puts me at high risk for identity theft and fraud. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: I was in the process of a loan modification with  XXXX  in  XXXX  of  2016.  My monthly payment was  XXXX   w  no escrow account. I was approved and told I would receive  XXXX  per year toward the principal for next 5 years if  I  continue payments.  XXXX     2016 M  y m ortgage was sold to  Nationstar  and the modification continued w them. My payment is  XXXX  with an escrow account but the principal and interest payment is  XXXX .  Nationstar says I  'm not eligible for the  XXXX  principle decrease because the total payment did not decrease by 6 %. This is is unfair because they are comparing  XXXX  paymen nt w  no escrow with the new pa yment w a n escrow payment of  XXXX .  XXXX . (  XXXX  vs  XXXX  ). The 6 % decrease in payment is  XXXX  of  XXXX  which totals  XXXX  which is more than 15 % decrease  but Nationstar is  in disagreement with this fact. During the time of this situation I had a housing representative from from   XXXX    who worked fervently to get a definitive answer from   XXXX   XXXX  , they in turned dropped the ball and the rep. had to start the inquiry w them a second time and still no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been having problems from the beginning first starting XXXX. I was denied a loan modification time and time again. finally after the Obama enforcement went into affect they started working with me on a loan modification and qualified for reduced principle reduction. Instead they offered me a loan modification that increased my principle and added XXXX dollars to my loan. all the time I was fighting for a loan modification they added all kinds of undocumented latefees, escrows principle and interest payments ect. I was in dispute with them and working on getting a principle reduction, then I was transferred to Nationstar not aware. Nationstar communicated to me both verbally and on their website, that I was still in process for a loan modificatioin review for my principel reduction. several months later they notified me that they updated there system and I was not in review for loan modification correction and now am behind. I spoke to several managers that were going to credit me all late fees and the months my account was in limbo waiting for them to figure it out. but instead they threatened me to bring funds in or get foreclosure. I contacted them recently about my payments, asking about late fees that should n't be there and why is payment history does n't reflect accurately. I asked to make arrangements to send payments as I could but they pushed my loan to foreclosure and added several XXXX dollars in fees over XXXX. and said I know have to pay the entire thing current. I have never been able to have a single point of contact. I have to explain the story over and over each time I call and the person I speak to does not have any resolution. a letter is sent out that says my single point of contact is, but this person never answers or returns calls. they make it impossible to resolve, they are not working with me on keeping my home or making payments. I have informed them I can make lump payments but they will not accept. they keep adding fees and increasing my total due. I can never get to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX XXXX has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as well! This purported debt was rescinded and closed out by XXXX XXXX XXXX a/k/a 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 05/18/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (IL).
Issue: Can't contact lender or servicer

Complaint: In  XXXX   XXXX  I look a title loan out on my  XXXX   XXXX   XXXX  from Title  Max  in  XXXX   XXXX , IL.   On  XXXX   XXXX ,  XXXX  I filed for Chapter  XXXX  Bankruptcy. My bankruptcy was discharged on  XXXX   XXXX ,  XXXX . The loan was  discharged through my bankruptcy, however, Title Max has refused to send my ti tle back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MA).
Issue: Trouble during payment process

Complaint: There have been numerous problems with Ditech ( sending estimates for escrow, calling it actual then changing their story two years later, sending me another consumer 's information, deducting money without authorization but not including it on statements [ that was revealed in one of their replies ] ) but the most recent is they have taken it upon themselves to change the terms of my mortgage agreement. The papers I signed state the payment is due every 30 days. When submitting extra payments this past XXXX, Ditech applied the payment incorrectly, as if it were 2 months ' payment. They claim the account was set up this way. I asked for a copy of the document stating this, they refuse to provide one saying there is no document. The documents I signed clearly state every 30 days, there is no mention of bi-monthly payments. For years, I sent extra payments electronically and never had an issue until this past XXXX. Ditech suddenly claims it is because I sent the payments electronically but that was never an issue before. Before paying electronically, I called them to see how added funds would be applied and was advised they would automatically go toward principal. However, Ditech changed something this past XXXX and began billing bi-monthly. In the end, I could not stand to deal with them any longer, there were just too many issues, and I refinanced. I remain unable to get a straight answer to why payments were suddenly changed recently. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Payday loan, title loan, or personal loan (Installment loan) with Strategic Financial Solutions, LLC (TX).
Issue: Getting the loan

Complaint: XXXX sold my information to a debt solutions company. I was contacted by strategic financial solutions and they had my credit report score and details about my finances. This is a violation of my privacy and I never gave them permission to sell my information. Please cease from using my personal information as I feel like this is identity theft. Ask strategic solutions phone number XXXX to Never contact me again. If my information is stolen or used I will file suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have contacted Transunion to dispute the information they are reporting regarding a Bankruptcy in which they have obtained this information. I contacted the court and were informed they do not furnish records and information to the credit reporting agencies, which they do not. The credit reporting agency responded by telling me they are not required to give me that information. They have violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). We request that the bankruptcy in question be removed from file forthwith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Medical) with FirstCollect, Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX, I noticed a collection account on my credit report from FirstCollect Inc. I submitted a letter for the company to validate the debt requesting very specific information. They responded by sending an invoice that did not match what was listed on my credit report and clearly did not belong to me. The address was not mine, the insurance was not mine and the invoice was for a child that was born XX/XX/XXXX ( which i did not give birth to any children XX/XX/XXXX ). On XX/XX/XXXX, I then submitted my second letter to FirstCollect informing them to remove the collection from my credit report because ALL the information was inaccurate and they still did not submit everything I requested ( proof that they were allowed to collect said debt, proof that I signed for said service ). They refused. In conversation via the telephone with several agents from their company from XX/XX/XXXX to XX/XX/XXXX they refused to acknowledge that they sent me inaccurate information. They stated that the bill was for services that my XXXX child received XX/XX/XXXX during an emergency room visit. I explained to them several times that their father is the LEGAL party that is responsible for the minor childs insurance and any insurance payment and that there was no lapse in coverage so the invoice submitted should have been covered in full. Proper insurance was provided to the XXXX at the time of the visit and the er billed timely and received full payment. This information was acknowleged by the collection company and XX/XX/XXXX they verbally agreed to have the collection account removed by XX/XX/XXXX came and went and the collection was still on my account. I then submitted another letter to them dated XX/XX/XXXX, reiterating that they must take the matter up with the XXXX childs father as he is the party legally responsible for maintaining insurance coverage ( which he did ) and payment for insurance. I even had the XXXX childs father call and inform/confirm with the collection company that he is the responsible party and not me. They then agreed to have it immediately removed. Then minutes later they called me stating that they could not remove it. Shortly after this, I spoke with XXXX XXXX XXXX, who finally acknowledged that they did send me inaccurate information and she is also the one that spoke with me via three way with the XXXX childs father who confirmed that he is the responsibly party although the insurance should have paid it in full. Lastly on XX/XX/XXXX, I submitted a letter to the collection company from the Delaware Health and social services that further reiterates that the XXXX childs father is the responsible party for maintaining insurance and payment of any outstanding invoices. And yet they still continue to report this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I applied for a credit card at XXXX I was denied by Experian because it said that I am deceased?? How do I correct that information? And what recourse do I need to do for this error??? 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 non-monetary relief
Consumer complaint received 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Never could receive my credit report from Experian who has the wrong birth date. I can not even see it because it says I am a 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 non-monetary relief
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am XXXX years and I have never had a XXXX Cell Phone. I also have never lived in the address associated ( XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX ). I lived in XXXX XXXX XXXX XXXX XXXX PA XXXX since 1991. I have filed a police report when I learned this was on my credit report. I never received any mail of the delinquency because sprint NEVER had my real address. I have sent the report with letters to all the bureaus but they send me the actual BILL back saying the debt is valid. AND IT 'S NOT! I asked them in several letters to send me the contract to verify my signature and they have NOT done so. If they see my Identification card and my social Security card I 'm 100 % sure the signatures wont match. I should not be liable for this debt Please help me I live on social security and my credit has never had a collection in all life until now. I have always paid all my obligations I never neglected to my priorities but someone has taken advantage of me and stole my personal information to obtain this debt. In my hometown there are people who work in these stores and to obtain a commission they allow people they know to open accounts with someone else info. I was victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Vehicle loan or lease (Loan) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an auto loan with XXXX XXXX XXXX. It was opened in 2014. I have made timely payments for the past 9 months, and they are not accurately reporting the on time payments to the credit bureaus, however, if I make a payment late, they are prompt in reporting the late payment. I have contacted the creditor directly, however, all they are able to tell me is " I have emailed the credit reporting department. '' And this is still to no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Other

Complaint: American Express is not abiding by the disclosure requirement in the Credit Card Accountability Responsibility Disclosure Act of 2009 involving Applying Payments. 

Per XXXX giving a narrative on this stipulation : Highest interest balances paid first : When consumers have accounts that carry different interest rates for different types of purchases ( i.e., cash advances, regular purchases, balance transfers or ATM withdrawals ), payments in excess of the minimum amount due must go to balances with higher interest rates first. A common practice in the industry had been to apply all amounts over the minimum monthly payments to the lowest-interest balances first -- thus extending the time it takes to pay off higher-interest rate balances. 

I have called American Express asking them about this, and a representative informed me that they do not always follow the above stipulation. The call was recorded on their end as they have previously stated, so the individual making this comment is on tape. American Express did not apply the excess amount of the {$750.00} payment I recently made to the Cash Advance Balance but instead appeared to apply it completely towards the Purchases balance even though Purchases have an introductory Interest Rate of 0 % for 12 months. The minimum payment due was {$170.00}. {$580.00} should have gone towards the Cash Advance Balance, which either less or none of that amount went to the Cash Advance Balance. 
No agent I spoke with at their organization was able to answer as to why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My FICO score provided by XXXX XXXX XXXX does not reflect my good payment history. My score during XX/XX/XXXX - XX/XX/XXXX was XXXX and was lowered to XXXX during XX/XX/XXXX - XX/XX/XXXX. The most recent score for XX/XX/XXXX was downgraded to XXXX despite the fact that I 've never had one single late payment on my credit card since XX/XX/XXXX. I 've called XXXX XXXX XXXX and they confirmed my impeccable payment history but could not explain why my FICO score got lower.

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 02-03-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: CFPB made a deal with Toyota to give back money to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX is still showing the last payment made wrong. The last payment was made on XXXX XXXX but they are reporting that the last payment was made on XXXX XXXX. I have already contacted XXXX XXXX XXXX and Transunion but nothing has changed. I had a XXXX in XXXX and was XXXX and lost my job. There is no way that I was able to pay the mortgage during the time I was admitted in the hospital. I asked XXXX XXXX XXXX to send me any kind of proof like a cancelled check showing that a payment was made in XXXX XXXX but no one has answered my request. I think someone else sent in a payment and possibly my account was applied this payment by mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation