milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On  XXXX / XXXX /  XXXX   I recieved a past due bill of {$150.00} from  XXXX   XXXX   XXXX  that is due by  XXXX / XXXX /  XXXX  . I was advised the account was closed and My name was no longer associated with the account. Today on  XXXX / XXXX /  XXXX   I also recieved a letter dated  XXXX / XXXX /  XXXX   from the credence resource management , LLC that they were attempting to collect {$150.00} on behalf of  XXXX   XXXX   XXXX . I was never made aware that I was still on the account associated with the bill and made several attempts to contact  XXXX   XXXX   XXXX  to dispute the charges, where I was transferred to several agents that stated the account number I was associated with was closed and had a {$0.00} balance.  XXXX   XXXX   XXXX  also stated I would need to contact the collection agency to resolve the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have received letters from  Citi Bank that my credit cards accounts were closed without reasons and an advanced notice. I respect Citi Banks decision to close the accounts. However the reward Thank You points and Dividend Dollars from the accounts were forfeited. I earned and accumulated these points and Dividend Dollars by using Citi Cards over the years, and Citi Bank collected the transaction fee from merchants.

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 12-10-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NY).
Issue: Trouble during payment process

Complaint: To whom it may concern, Please let this letter serve as a complaint against Shellpoint Mortgage Servicing. Shellpoint is the mortgage servicer for our property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Our account number at Shellpoint is XXXX. Our complaint is based on several factors including, but not limited to : 1. Failure to provide answers to written and/or oral requests for information. Shellpoint sends letters every few weeks assigning a different single point of contact for our mortgage, despite leaving voicemails and emails, our calls are not returned. 
2. Failure to provide proof of an escrow payment. In XXXX 2017, Shellpoint claims to have made a tax payment to the county/town for approximately {$50000.00}. In XXXX they claim the payment was returned and issued a new payment. To date, the town has not received payment, nor has Shellpoint provided a canceled receipt for said payment. 
3. Egregious errors in mortgage statements. We requested a payoff letter and reinstatement letter back in XXXX, 2017. The reinstatement letter which was only provided on XXXX XXXX, 2017 is {$200000.00} and XXXX higher than the payoff letters provided in XXXX 2017, then again in XXXX 2017 respectively. The reinstatement letter mirrors years of mortgage statements which have all seemed inaccurate. Once again, despite numerous attempts of contact, Shellpoint never addressed our concerns. 

Thank you for your attention to this matter,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am being harassed by Navient, I 'm being called 10 to 12 times per day and evenings, by several different phone numbers..My loans were consolidated in 1997, at nearly 8 % thats 20 years ago. I asked XXXX XXXX 10 years ago if they could reduce my interest rate being charged, when loans were at 3 1/2 percent, however was told if I borrowed more it would reduce interest rate on what I borrowed only. I have applied for a forbearance or deferment, however was told that i 'm NOT eligible. 
Income/sensitive reduction of payment OR ALLOW LOANS TO BE DISCHARGED TOTALLY IN BANKRUPTCY LIKE OUR NEW PRESIDENT ELECT DID ON SEVERAL LOANS. 
THE STUDENT LOAN INDUSTRY IS ONE OF THE GREATEST CONS TO REACHING THE AMERICAN DREAM ILLUSION.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Debt collection (Other debt) with I.C. System, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account was removed and proven to not be mine in XX/XX/XXXX and it all of a sudden re-appeared XX/XX/XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. When I asked for validation AGAIN in XX/XX/XXXX, all I received was bills with an address I never lived at, no signatures or  anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.

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 01-10-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I spent months working with my builder, loan officer, escrow company, title company, and mortgage company to ensure that my total cash to close and my monthly payments would be what they promised. One day after closing on my house, I received a notice that my mortgage payment would be increased from {$1500.00} to {$1600.00}. 

They state that my escrow account is underfunded and those the need for an extra {$110.00} per month. Why was n't this brought to my attention when I was signing documents? Why send this notice one day after I 'm locked in? I ca n't help but think that something underhanded has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i have hard inquiries that appeared on my credit report across all three credit bureaus XXXX, Equifax, XXXX on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( XXXX ) XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( Equifax ) XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been trying to get a copy of my credit report from equifax for months. I tried annual credit report.com no such luck it told me I did n't answer the questions correctly. Which tells me something is on it that should n't be because the questions were about mortgages and I do n't have a mortgage. I have called them. Did n't get anyone that I could understand and I sent in a form and got it back telling me I did n't send ID and attached to the form is a copy of my ID. I tried to sign up for the plan at equifax.com and get it online. no such luck. I 've also tried for several weeks to get the pin number to remove the freeze from several years ago. No such luck there either. I keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: Equifax security breach, potentially compromised information verified by Equifax website. Went through XXXX to add a fraud alert to my account to all credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX a collection account showed up on my credit report from the below company. I have no knowledge of this account. 

Account name PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$290.00} as of XX/XX/XXXX Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed a complaint on XXXX/XXXX/XXXX # XXXX. You show that a charged off account with a balance. You responded : The balance for disputed XXXX  account XXXX has been updated to XXXX on the Equifax credit file. I received a copy of the credit report on XXXX. It still shows a balance. You must delete the account immediately under the FCRA rules. Your investigation is completely false. If this account is not removed forthwith, I will file a lawsuit against your company for reporting false information. Attached is the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: I am submitting this complaint about transunion credit reporting agency. I have been disputing an account that was previously removed off my credit report. ( XXXX XXXX XXXX ). Today I checked my credit score on XXXX XXXX  and noticed a 100 point drop I looked into this and noticed that they re-inserted this account that was previously removed. I attempted several times to reach them and dispute this information again and ask to remove it like it was before and it should have never been re-inserted onto my credit report. It was confirmed that this loan was a combined loan that was PAID off in full. I can't reach transunion as they keep telling me my credit file is in another department. ( Fraud Victim Dept ). As I had in the past fraud done with my name. I was transferred and was on hold for a long time. I am very fustrated that they put this account back on my credit report which caused my score to drop.

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 01-07-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN Loan Servicing has erred significantly on our mortgage payments and escrow funds without explanation or reversal. After several years of making timely payments, including paying down principal each month, the trouble began in XXXX XXXX. We were sent a notice stating that our monthly payment would increase due to changes to our escrow account, so we sent a check in the amount of {$1200.00} to cover the additional escrow and eliminate the increase in our monthly payments. The check was negotiated by OCWEN and applied to our account ; however, we later received a partial refund of the escrow. A few months later, we received notice that the refund was sent in error. We received several statements in XXXX and XXXX, none of which appear to be correct, and all had differing amounts due. We have called OCWEN several times and were told in XXXX that the matter would be corrected in their system by XXXX. The issue is still outstanding and we are left with a {$800.00} deficiency in escrow funds with no explanation. OCWEN has the money, yet it 's not in our escrow account, and they 've sent another statement advising that our payment will increase again in XXXX XXXX. The increase in tax over this time period is negligible, and {$800.00} is missing from our escrow account. There was no disbursement of escrow funds to either tax or insurance to account for this missing money. It is incredibly frustrating trying to get resolution from OCWEN, so we contacted XXXX, the investor in our loan. We will work with XXXX and CFPB to come to a satisfactory resolution with our escrow funds fully reinstated in our favor. We also would like to see an accurate mortgage statement from OCWEN, along with a full amortization schedule for the remaining life of our loan. Finally, we would like a comprehensive and logical explanation about how OCWEN could possibly allow this to happen to seasoned and responsible mortgagees, including what defects are causing this from their automated systems. 
Our XXXX XXXX, XXXX statement shows the {$1200.00} payment overpays the escrow shortage. 
Our XXXX XXXX, XXXX statement reflects an escrow balance of {$800.00} with no disbursements for tax or insurance having been paid, as these were not due until XXXX XXXX. 
Despite having paid the escrow shortage, our statements reflect changes in our payment amounts due from {$3400.00} effective XXXX XXXX, increasing on XXXX XXXX to {$3400.00}, increasing again on XXXX XXXX to {$3400.00}, and an increase effective XXXX XXXX to {$3400.00}. This reflects a total of a {$60.00} per month payment increase, when, in fact, the escrow deficiency was fully satisfied in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Noticed many inquiries that i did not give permission for on all 3 major credit bureau. I believe that I just like many of the 100 million people who 's information was leaked fell victim too.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 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: Their investigation did not fix an error on your report

Complaint: Please Help me. This item has been repeatedly submitted to the credit reporting agencies. I have given them proof of the item being paid in full. In speaking with the original collection. agency, they said the paid in full update was submitted to the credit reporting agencies at least 4 times and this collection has remained incorrect for over 2 months. I do n't want to take legal action yet. I do n't know how these credit reporting agencies could have verified the accuracy of the account when the collection agency has repeatedly updated it.

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 01/18/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I WAS TRYING TO GET MY REPORTS AND BY MISTAKE I LOST THE PAGE. NOW I DONT HAVE MY REPORT AND IT SHOWS AS I ALREDI PULL IT.

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 02/19/2018 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: We had XXXX XXXX as our internet service provider at our prior address. About three years ago we moved to our current address. When we moved we called XXXX to change our service to our new address which they did. We immediately began receiving invoices at our new address which have been paid on time. What I did not know or understand is that the XXXX representative created a new account for our new address. To make matters worse they never changed the address on our old account to our new address so I did not receive the remaining invoice from our old account. From my perspective it was a seamless billing process since I didn't notice the account number change. As a result I now have a collections account for {$93.00} from XXXX XXXX and their 3rd party collections agent Enhanced Recovery Company for {$93.00} on my credit. I can only assume this happens quite often since it is their practice to open a new account when the service address changes. It would seem to me if XXXX was trying to be responsible partner with their customers the first thing their internal collections team would do is cross reference a collections account with current customer accounts and see if their is an open account. This would be a clue to change the address on the old account and invoice the customer at the new address. I guess it is too easy to just send it out to a 3rd party and damage their customers credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They are the third debt collector to be handling the same debt as mine. I will not pay a debt collector when the original creditor could not provide proof the debt is mine. I do not have a contract with XXXX XXXX and it needs to be removed from all of my credit reports for good.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: My wallet was stolen and someone used my information to open an account fraudulently

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 09/18/2016 about Mortgage (Other mortgage) with Seterus, Inc. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: We have a loan with Seterus, the lender. They changed terms XX/XX/XXXX but mailed the notifications to the wrong address. On XX/XX/XXXX we where main aware of this change. We continued to pay the the prior amount until they got us the documents. By the time they did get us the documents it was also on our credit report. We have been working with XXXX since this time and continue to pay the prior agreement until they fix the issue they caused. They have acknowledge they made the mistake with sending documents to wrong address and still XX/XX/XXXX continued to send documents to wrong address and call us to verify address but had the wrong one. XX/XX/XXXX I spoke with XXXX XXXX, in the dept of Consumer and Government Affairs at Seterus several times via phone and letters. During one of these calls confirmed they made the 1st mistake and would removed the late fees and reporting to credit reports. During follow up he changed his tone and they only removed up to XX/XX/XXXX when they finally got the documents to me. My point to him is at that time I told Seterus weekly that I would pay the new amount but they first needed to send me confirmation they where removed the issue from credit report and late fees. Because they would n't acknowledge their mistake until a year later, this issues has continued on. During the last 18 months I have received more calls then I can count were the Seterus rep. agreed with me that the issue was theirs. I have send some of the details of these calls to them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. My personal information was used to open an account at XXXX in XXXX 2012. I have already disputed this debt twice. I did not open or authorize this account, and I therefore request that it be closed immediately.

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 12-11-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Accounts : Capital One amt. claimed to be owed {$340.00}. XXXX XXXX XXXX amt. claimed to be owed {$400.00} I have sent 4 rounds of dispute letters to the 3 credit bureau 's. Starting in XXXX XXXX and the latest one was sent in XXXX of XXXX. After the 3rd round of letters, XXXX has been the only bureau to remove these 2 accounts mentioned above. The following was stated in my letters to XXXX and XXXX : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately.

XXXX has responded to the 4th round of letters and have not provided verifiable proof as I requested. They also stated that they will no longer dispute these accounts again. Unverified accounts remain on my credit report. XXXX has not yet responded.

Company response to consumer: Closed with explanation