milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2016 about Mortgage (Conventional fixed mortgage) with Aldridge Pite, LLP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Clear Recon Corp, The dispute of lien amount has not received a response, requested prior. 
A notice of trustees sale was recorded XXXX/XXXX/XXXX - the amount was disputed in the NOTS is recorded in error. I have not received the corrected accounting and the lien still remain in error. The additional request is whom is the beneficiary of the lien amount? As well as who is the property owner of record on title sale guarantee policy ( TSGP ). Four payments were made in XXXX with approximately XXXX going toward principle. As well as late payment of approximately XXXX - there were no late payments in XXXX. There are also multiple charges for property review however for some dates there was no property review. The additional request included copies of assignment ( any/all ). I am concerned my payments were not applied to account as I was told payments would be but instead written off prior to transfer of servicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Previous CFPB Complaint XXXX Convergent Outsourcing has sent a response letter to my CFPB complaint regarding never receiving the notice of right to dispute. In the letter they state that a validation letter for the account was mailed to an old address, XXXX XXXX, MN XXXX. they stated they were notified by XXXX that I had moved and I left no forwarding address. They state that they believe the information they have reported to the bureau was fair and accurate information, they do n't believe they violated any laws. 

I moved in XX/XX/XXXX. I submitted a request for address change to the United States Postal Service. My Official Change of Address Confirmation Letter from the United States Postal Services states " Your mail will be forwarded to your NEW address, as you requested on : XX/XX/XXXX. ... MAIL FORWARDING EXPIRATION DATES : First Class Mail, Priority & Express XX/XX/XXXX. '' I refute what Convergent has stated, I received mail that has been sent to my old address at my current address under this current forwarding. I received mail the same week, XX/XX/XXXX that was forwarded from my previous address, stamped XX/XX/XXXX. I also include a piece of mail sent from XX/XX/XXXX, illustrating the success of forwarding to my home address. 

I also updated my address on my Drivers License, XX/XX/XXXX, a copy of the paperwork shows the date. My current home address has also been updated on my credit report. 

I should have been able to receive the initial validation notice, or at the very least, a new one could have been sent to my current address, which has been updated since XX/XX/XXXX. 

Convergent has deprived me of my chance to dispute this debt or request validation by not sending the notice as required within 5 days of contacting me regarding this debt. 

On XX/XX/XXXX I received a call from a representative XXXX, from Convergent Outsourcing. She asked me to verify my name and address, which I refused to do, and the caller ended the call. Convergent had ample access to obtain my current home address to send the initial validation letter and they failed to do so, violating 15 U.S. Code 1692g - Validation of debts I have contacted XXXX on both XX/XX/XXXX and XX/XX/XXXX regarding this matter and they are escalating a review of my account to the executive team, they have asked for 72 hours before a complaint is filed including them to the Attorney General for them to investigate these FDCPA violations by Convergent and they 're refusal to remove the reporting from the Consumer file. XXXX will receive a copy of the proof provided to the CFPB depending on the outcome of the escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (FHA mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (CT).
Issue: Struggling to pay mortgage

Complaint: I have contacted the bank regarding loan mod paperwork - the point of contact and superviseor do not return phone calls and emails are auto-generated stating they are " out of office. '' The Bank dual tracked me to Foreclosure and are still practicing Dual-tracking to foreclosure when I have income to pay my mortgage and am trying to get a loan modification.

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 12-06-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called my mother 's private line asking for me. They called at XXXX on a XXXX morning waking my elderly mother.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a judgment on my credit from XXXX XXXX XXXX XXXX in XXXX XXXX, MD. I paid off this judgment on XXXX/XXXX/2012, but it has remained on my credit even after speaking with the attorney 's office who accepted my payment on behalf of the XXXX XXXX XXXX. They have n't updated the major credit bureaus of my pay off thereby causing a severe negative impact on my credit.

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 08/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my XXXX credit report. XXXX / child support has not been updated. Please update payment amount, due amount and payment history, amount is much lower now and I have made current payments for several years thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with Recovery Solutions Group, LLC (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I was contacted last week by a Recovery Solutions group, with XXXX XXXX being the contact. I returned the call and she immediately begins speaking to me very rudely about a debt I supposedly owe, and threatened that they would be placing a lien on my house that Friday if I did not pay almost {$4000.00}. They claimed they had a signed contract and MPN that stated I agreed to pay this debt. When I asked for verification of this, XXXX XXXX hung up on me. I called back repeatedly and was sent to voicemail. I kept calling and she eventually answered, stating that she was " trying to find someone to help me '' but could not even answer my intital questions. I was later told I needed to pay this debt by that Friday or my house would have a lien placed on it. I kept asking for verification and was not given any. I was then connected wit " XXXX '' who was also very rude and told me that there was nothing he could do, a lien would be placed on my property and that would be the end of it and I was wasting his time and hung up on me. He then emailed me, sending me a contract supposedly signed by my husband that was dated XX/XX/XXXXwhen we had no work contracted by anyone from XXXX. He provided me nothing with amounts, or who I even owed or any further information than that. I demanded that they no email my husbands work email address, yet they continued to do so. They ignored my requests for verification of the debt. I sent a certified letter on XX/XX/XXXX, demanding these items and asking only to be contacted in writing through the mail. I received an email from XXXX XXXX today stating that she was not obligated to provide me with the items to verify this debt as she was not trying to collect a debt yet on her same email it stated " this is an attempt to collect a debt '' and the letter that I received also stated I had 7 days to dispute the debt and that they were attempting to collect. They also contacted my husband 's work email despite my request they do not. They also continued to contact me in writing via postal mail, and then email me. They have lied and used threatening and abusive language, and have threatened to pursue legal action against a debt they refuse to verify and claim they are not subject to the FDCPA. The contract they have been sending is from a date that I have disputed there was no work done to my house, yet they have not sent me any proof of anything that they are claiming

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: harrassing me constanty for past one year. even though after i sent signed letter to claim that i need more details. the debts showed up on my credit report without justification.

Company public response: Company believes the complaint is the result of a misunderstanding
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Transunion charged me XXXX twice on XX/XX/2017 after accessing their site to research credit monitoring. I never authorized a charge or provided a credit card number.

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 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize these inquiries at any point in time, I have attempted to get them taken off to no avail, without proper response or action from the credit reporting agency, transunion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 06/20/2016 about Debt collection (Medical) with Alorica Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX I had an XXXX at XXXX XXXX Medical Center and my Medicare Plan was with XXXX XXXX XXXX XXXX of TX. I paid {$120.00} for the procedure. 

On XXXX XXXX, XXXX I had another XXXX XXXX at the same place in the same XXXX and was advised that I had a {$120.00} copay. Due to complications I was not admitted but put on observation status and released before 24 hours on XXXX XXXX, XXXX. 

I paid the {$120.00} that was authorized by XXXX XXXX XXXX XXXX. 

I got a bill from XXXX XXXX Medical Center in XX/XX/XXXX stating I owed {$220.00}. I had already paid {$120.00} and I questioned that bill. I even sent in paperwork requesting financial assistance as I did n't understand the bill. I was told by someone that " XXXX XXXX '' was billable. I could not pay the bill as I had paid {$120.00} prior to the procedure. 

I contacted XXXX XXXX XXXX XXXX who advised me that I was only responsible for the {$120.00}, not anymore. I called XXXX XXXX Medical Center and they claimed that was not true and by XXXX XXXX, they filled a collection on my credit report for {$220.00}. 

I disputed the XXXX bureaus and it was removed. 

Now, it 's XX/XX/XXXX and someone named XXXX ( Global Receivable Collections ) has filed on the all three bureaus dropping my score to XXXX. I just bought a house and had a XXXX at the time. 

I have once again called XXXX XXXX XXXX XXXX, I was given a case number and this company claims they do n't know where my debt came from but they have it and I owe it. I do n't owe them anything, I do n't owe XXXX XXXX XXXX XXXX anything and have no clue, other than from watching XXXX XXXX on " XXXX '' that someone used an excel spreadsheet and bought this debt that has been written off by XXXX XXXX XXXX XXXX and they are trying to collect. 

This is wrong, this should be illegal. I dont ' owe {$220.00} to anyone! XXXX XXXX says I do n't and I had a reference number and this company refuses to contact XXXX XXXX XXXX XXXX because they have no clue where the debt originated. They wo n't talk to me about it. 

I have NOT received mail from them. I have received phone calls that no one answers and they have called my work phone! What XXXX is wrong with America!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have a automatic monthly transfer from my saving account to my checking account. On X/XX/2017 sufficient funds were not available on my checking account for this automatic in house transfer. Instead of canceling or delaying this transfer, the bank processed an overdraft protection transfer, from my saving to my checking account. Then it processed the automatic monthly transfer, sending the money back to my savings account, and then charged {$12.00} for the overdraft protection transfer. So monies went from my savings to my checking, then checking back to my savings, but {$12.00} was not, the bank kept that'l.
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I understand the transfers " worked as they were supposed to '' but this is an unfair practice and only hurts the consumer, to gain revenue. The bank needs to relook at this practice so that it helps the consumer, not the Bank.
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I am requesting the {$12.00} overdraft protection fee be reimbursed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: I have sent several letters asking for proof bearing my signature showing this this account has been late. I have never received a response, in fact this account was paid and closed fro over a year and know this company just added that this account is now open and hit me with another late. 
i have also disputed with the bureau and it has gone un answered.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit card () with BARCLAYS BANK DELAWARE (IN).
Issue: Late fee

Complaint: I received a letter from a credit card co. that my account was closed because it was past due, but I was unaware of a balance because they stopped sending a statement, and they did n't send an e-mail notification either. I paid the outstanding balance, which included {$99.00} in fees plus interest, because I thought it may have been my error, but after researching the matter realized it was n't. now they say because the account is closed and the balance has been paid off they ca n't refundthose fees. I have always up to that point paid my bills on time. This has had an impact on my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/24/2017 about Debt collection (Credit card debt) with NORTHLAND GROUP INC ().
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A debt collection company named  Northland Group Inc.  continuously sending me letters during the past  2-3  years asking me to make a payment of {$660.00} they claimed that I owe  XXXX . I have never applied a credit card, or never did I purchase anything that did n't pay at first place in  XXXX , so I do n't know where does this {$660.00} come from. What 's even more suspicious is that they asked me for my SSN, and because I was n't aware of how unsafe it can be, I exposed my SSN to them. I have absolutely no idea on how to handle this at the moment, so I am looking for your help. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have  XXXX  Bank of America credit cards and had some problems in the past that warranted the increase in interest rate. But since then, about three years now, my status has changed and not only do I pay on time, I have not missed a payment and in most cases have exceeded the minimum payment. After a long period of time decided to call the Bank of America to inquire if the interest rate can be reduced, I was told that on my account there a note stating that the interest rate can not be reduced.   As I stated that my situation has changed from the past problems and my payment activities for the past three years proves it, why ca n't my interest rate can not be adjusted??   I have another credit card that on their own about a year ago did reduce my interest rate without my having to ask them. If they did that, why ca n't Bank of America do the same? Why do keep punishing me for thing that happened in the past? Do they not think that circumstances change over time?   Please look into this complaint and advice me how I can resolve it.   Thank you for your assistance.

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 08/31/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (OK).
Issue: Loan servicing, payments, escrow account

Complaint: My mortage was sold from XXXX to SPS Servicing in XXXX XXXX. The original mortage was done in XXXX and at that time the escrow only included the taxes and I the homeowner always paid the insurance out of my own pocket. Well 12 years after the original mortage this new company SPS decided to pay my insurance company even though the declarations pages clearly state Insured pays this is not a demand for payment, they raised my payment. When I contacted them they and told them the issue, they stated the had the right of escrow. In the meantime my insurance company refunded me the mortage company payment and I called the mortage company and made a lump sum payment of {$2300.00} to my escrow account for their mistake and to cover the " shortage '', but my payment was never adjusted and the are still wanting me to pay the insurance amounts and also my insurance company is still debiting my account for the money too. I have tried numerous times to get this issue resolved and I never get any response other than they have the right to escrow.. I am now facing foreclosure because I am not making the full payment because in reality I do not owe what they stated and my escrow account actually has a credit amount in it, but they are still saying I owe back escrow payments but in reality I do not because my payment was never adjusted to reflect the lump sum payment I had already made. I have been dealing with this for almost 16 months now and they still continue to not evaluate my escrow, and now I recently switched insurance companies and they did it again where they paid the insurance when they received a declaration page clearly stating Insured pays. Also, the new insurance dropped approximately {$100.00} a month in cost, but the payment does not reflect this drop in rates and still say I owe {$300.00} in escrow a month when the math does n't add up and if I did pay them what they say I owe eventually they would owe me money. I am not a legal expert but this in my opinion is mortage fraud and is causing me much heartache over something that is the company 's fault and lack of understanding or ability to do simple math.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Westlake Financial is not reporting the correct payment amounts that are being made monthly. I 'm currently making over { $600.00} a month payments and only receiving {$35.00} a month and credit on all  XXXX  credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit burea us and West Lake financial would not do  anything to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Medical) with AMCOL Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to an emergency room and paid the {$150.00} required along with my insurance. I only found out that they had put something in to collections when looking at my Credit report. I received no phone call or letter with the itemized bill, which of course they should n't have been XXXX seems my insurance paid for it. 

They have no number for debt collection or disputes of billing. I refuse to pay it considering I have no written letter or email or agreement to pay any bill. My insurance would have covered it. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (VA mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home mortgage through Ditech, formerly Greentree. I mailed this month 's payment on XXXX XXXX, 2016 and Ditech cashed my check on XXXX XXXX, 2016 but did not apply the payment to my account and has since lost the payment/paperwork. This was all unknown to me until I started getting phone calls at all hours of the day and night multiple times a day from Ditech stating my payment was late. When I explained they had already taken my money from my bank account for the payment, I was hung up on or told to fax them a copy of the check from the bank showing the endorsement on the back. After doing so and getting my bank involved, they proceeded to tell my bank that they had never called me or talked to me and they do not have my payment. My bank faxed over a copy of the check they had cashed and Ditech still is unable to find these funds and has yet to apply them to my account. My bank was forced to reissue the payment and has since started mitigation against them as a fraud claim to attempt to get their money back. They are still considering my payment to be late and have assessed fees stating so even though they are responsible for losing the payment, as they have had it in their possession since at least XXXX XXXX, 2016.

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