milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job and got behind on my mortgage. I was able to make payments for a while but after a year I ran out of money and I could not continue to make my payments. I reached out to my servicer and asked them to help but they said they could not do anything for me. I want to keep my home and get back on track with my mortgage, however, the current mortgage servicer is unwilling to set up a payment plan with me or rehabilitate my loan in any way. They are asking for {$6500.00} upfront to reinstate my loan, but I do not have {$6500.00} cash to give them. I have contacted XXXX XXXX XXXX numerous times to set up payment arrangements, but they refused to accept any payments because they wanted the past due balance to be paid in full. I need to get some kind of help now and I do n't want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked numerous times to get a letter in writing about the account in collections. They state they will not send one until money is paid upfront. I want this closed but will not pay anoyone without proper notification. They c all 3 to4 times a  day and continue to refuse written account information. They state one was mailed however this can not be true based on their continued refusal to mail me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Trouble during payment process

Complaint: I have called numerous times about an error on my XXXX. The itemized page shows disbursements from my escrow account to pay my property taxes ( as it should ). The summary box on the first page states {$0.00} paid in property taxes, which is problematic. I've been reassured by various personal that my taxes have indeed been paid, but I need to complete my taxes and don't want to do so with out a corrected form. 
Call 1 : Nice person, said the placed a ticket to get it fixed and I would receive a new one. Two weeks went by with no corrected form.

Call 2 : Said they couldn't find any ticket being placed so they placed a new one and it would be emailed to me within an hour of that phone call occurring. 
Call 3 : The next day, no email so I call again. Their systems were down but the rep told me my mortgage had probably been transferred and I'm probably not even their customer. This was incredibly insulting. 1. Freedom Mortgage happily has accepted every single payment I've made to them so I sincerely hope that I am in fact their customer. 2. I'm not a XXXX, in fact I used to audit escrow forms so I believe that I'm slightly more educated on the mortgage servicing process than their average customer. I was incredulous that without operational systems the rep would assume I'm not even their customer. She never even let me finish explaining the full problem. 
Call 4 : Trying again with a different rep who did apologize about the last person 's attitude, placed a ticket regarding the XXXX and I did get one emailed to me within a couple of days, within the promised timeline of that phone call. Except, IT WAS THE EXACT SAME FORM AND NOT A CORRECTED. XXXX! 
Call 5 : Called back and said it's still wrong, they put in an escalation to the manager and  suggested I proceed filing my taxes using the disbursement sum from the itemized page and that I should feel assured I would get a corrected one eventually. They placed a follow up to a manager to call me back as well. 
Manager Voicemail : I was in a meeting so I received a voicemail telling me to call back XXXX.

Call 6 : I call back and ask for XXXX but am never transferred. This person puts in ANOTHER TICKET abut the XXXX and says I'll get a corrected one because they don't see any there open tickets. That was yesterday XX/XX/2018. 
I'm at y wits end, there's clearly a systemic problem with that box on Freedom 's XXXX that's not being addressed. It's likely I'm not the only impacted customer as I highly doubt they are printing these individually. I want a corrected XXXX! It shouldn't take 7 calls from one customer to correct a bank error.

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 01-09-2018 about Debt collection (Other debt) with EQUIFAX, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from XXXX, a debt collector, around XXXX claiming that I owe approximately {$650.00}. After speaking with them they claim that I co-signed a document for XXXX XXXX XXXX in Florida. I asked for a copy of the contract and they sent me an electronically signed document that I did not sign. I asked them for proof that I electronically signed this document of which they would not provide any. This is because I did not sign this lease document at all. Now they have reported this to Equifax. I went through the Equifax process denying that this is my debt and Equifax basically rubber stamped in favor of the debt collector without calling me or providing any evidence of a true investigation. I have resubmitted a claim with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: On two separate occasions, I filed a dispute with Equifax to check and validate the information regarding XXXX XXXX. It was indicated that these two items were suppose to be deleted from credit file in XX/XX/XXXX, which coordinates to last activity record. SOL on private loans ends seven years for the date of final activity. These items should have been removed from my credit report in XX/XX/XXXX and violates the FCRA. During this period, Equifax has failed to remove these items. My next step will be to file a civil suit against Equifax in violation of FCRA Regulations. 

Credit File : XX/XX/XXXX Confirmation # XXXX Account # - XXXX XXXX XXXX ( 2 Accounts ) The results are : This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. 

Credit File : XX/XX/XXXX Confirmation # XXXX Account # - XXXX XXXX XXXX ( 2 Accounts ) The results are : We verified that this item belongs to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Service Residential, Nevada, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The agency is attempting to collect {$2800.00} after the dismissal of a successfully completed Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kingston Data & Credit International Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX membership for XXXX plus XXXX for processing, which I paid. I received a debt collection letter from Kingston Data and Collection international, for a bill of {$590.00}. I tried calling XXXX, XXXX XXXX, bad phone connection, much static. I researched the company on the internet, based in XXXX, but per the letter they are in XXXX, NY. Debt incurred XXXX? 2015, not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took a {$5000.00} loan from Sallie Mae. I faithfully made payments for 5 years. My father passed and I had to quit working and move in with my mother. The loan defaulted. They are now demanding I pay it in full and will not offer reasonable loan repayment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted Equifax concerning the reporting of my bankruptcy on my credit report. I filed XXXX XXXX XXXX and the items included in my bankruptcy should no longer be reported on my credit bureau. They had it updated to state will be removed 2019. I contacted them, sent copies of my Ch XXXX paperwork. Dispute results reported back included in Ch XXXX. It is my understanding the Ch XXXX information is removed 7 years from the date the bankruptcy is filed. I attempted to call the number provided on the results and was on hold for 20 minutes with no one picking up the line. I need assistance getting this corrected and would like to speak to someone in an American office that understands my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (UT).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called into Enhanced Recovery Cor to settle my {$370.00} XXXX account. I asked to speak to a manager because things usually go better that way. The representative asked me why, I explained, she replied with " so you think that 's going to help you not pay ''. 
She ended up transferring me when I threatened to hangup. The manager was rude, constantly interrupted me, raised his voice. When I offered to settle for {$100.00} which is all I can afford & a little over 25 % he laughed & said I needed to try & settle for at least half which is {$180.00}. I told him I could n't & he said that his company would check into that & call me every few days until I figured out how to pay it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Paragon Revenue recently reported XXXX collection accounts on my credit report. I did not received a notice of right to dispute prior to the accounts hitting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX keeps charging me amount of money that was already paid for and recieved letters of accounts already paid in full. and just recently they issued another bank garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/2017 I deferred my student loans with Nelnet to avoid any late payments while my payments where being recalculated we went back and forth many times they had lost paperwork and and not contacted me back. I was during this time in deferment. But to my surprise my credit is showing late payments from XX/XX/2017 through XX/XX/2017! I need this off my credit immediately due to Nelnets error and faulty reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received numerous phone calls on my cell phone and home phone from the following phone numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX among many, many others! Upon researching these numbers I found that they belong to Portfolio Recovery Associates, XXXX XXXX, and XXXX XXXX XXXX. They never leave messages. They just continue to call from different numbers to deceive people into answering their calls. I have no idea why they would be calling. When you call the numbers back you are placed on hold forever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Fraud or scam

Complaint: Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$750.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$750.00} Times 30/60/90 Days Late XX/XX/XXXX Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$610.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Charged off account Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00} Remarks Consumer disputes this account information Collection account Sort By : XXXX XXXX XXXX XXXX XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks Consumer disputes this account information Collection account XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX ( I do not have dates for these, it will not let me review it The steps I have taken to remove fraud from my name. I have legitimate proof that it was fraud if anything is needed.

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 07/15/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: # 1 - OCWEN continually wrongly asserts that I am behind in my payments. We entered into a Loan Modification Agreement XX/XX/XXXX. I made all trial payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) well ahead of time. I even have mediation documentation signed by an attorney representing OCWEN stating that I had made all trial payments. I have documentation of payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. By all accounts, I have overpaid by XXXX XXXX dollars. Yet, I am receiving notifications of being XXXX months behind in payments. All along, getting charged additional interest, late fees, and possibly reporting bad credit. 

# 2 - OCWEN inexplicably cancelled an automatic payment plan before it even started. On XX/XX/XXXX, I set up automatic payments to begin XX/XX/XXXX ( I have documentation ). When the payment did not come out of my bank account, I called OCWEN on XX/XX/XXXX to see why not. They said that the plan expired XX/XX/XXXX ... even though it never started ... and they had no explanation as to why. It is this type of operation that gets people in trouble with them. So, since my payment did not make it to OCWEN by XX/XX/XXXX, they now have charged me an additional {$19.00} to make the payment over the phone. 

# 3 - I requested that OCWEN perform a research investigation into my account XXXX days ago. They have yet to acknowledge the request ... let alone the results. 

I now believe that this is all intentional and predatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Student loan (Private student loan) with TEXAS HIGHER EDUCATION COORDINATING BOARD (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Website does not accepting payments. Have tried numerous times but continue to have technical errors.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Medical) with Columbia Collection Service, Inc. (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: They had me served at a bogus address so they would win by default they garnished me repeatedly without me noticing. Refuse to send me a statement refuse to tell me how much money they have received or is owed, refuse to notify court & credit bureaus that they have been paid. They also garnished the corporation 's bank account that I am a member in not my personal account not my money. I had no knowledge of this debt never received a bill the hospital failed to bill me or my insurance. I found out about this when I had my identity stolen i found it on my credit report and called them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( XXXX, XXXX and TransUnion ) and the account is paid in full.

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 07/19/2016 about Debt collection (I do not know) with Bayfield Financial, LLC (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: On XXXX XXXX, XXXX I received a garnishment notice from Bayfield Financial, LLC via a plain letter mailed to my sister 's address, which is my address listed for the WI DMV, with an attached income worksheet. Upon further investigation of the stated case information through the WI Circuit Court Access website, I learned of a small claims judgement from XX/XX/XXXX that I was previously unaware of. I have no knowledge of a notice to appear ever being issued nor signed for. After nearly 10 tax years, XXXX jobs ( including 6 years of military service ), and multiple address changes I am now being notified of a nearly {$1400.00} judgement that has accrued an additional {$2000.00} of interest. I have researched Bayfield Financial, LLC 's role and determined that they may have purchased my " debt '' back in XX/XX/XXXX and have a history of unlawful practices such as this. My complaint is that they did properly notify me to appear via certified mail nor file a garnishment/tax refund interception for the past 9 years while interest has continually accrued. They also did not include any information about the original debtor so I can try to determine the full scope of the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Credit card) with Gurstel Law Firm, P.C. (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Gurstel Chargo has committed numerous FDCPA violations related to a dunning letter sent to consumer dated XXXX XXXX, 2015. In the letterhead of the 'dunning ' letter Gurstel Chargo claims to have offices located in Nebraska . Checking with the Secretary of State 's Office, no licensed collection agency by that name exists. Furthermore, the letterhead represents Attorneys at Law but has a 'disclaimer ' in the body of the letter that states : " At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. '' - If an agency incorporates the use of form collection demands on attorney letterhead the agency MUST incorporate " meaningful attorney involvement '', into its collection process. 15 U.S.C. Section 1692e. These are just a few violations regarding a dunning letter sent to consumer dated XXXX XXXX, 2015. 
Consumer will file a federal and state lawsuit against Gurstel Chargo for violations of the FDCPA, FCRA and TCPA if Gurstel Chargo continues to contact consumer by mail and/or telephone after receipt of dispute notification. Consumer wishes Gurstel Chargo to 'cease ' all contact with consumer as consumer does not owe a debt to Gurstel Chargo . Consumer has no fiduciary, contractual obligation to pay Gurstel Chargo anything. There is no payment history, nor products, or services that have been rendered to Gurstel Chargo, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of -household and possesses no property of value. Consumer 's federally protected income presents a 'genuine issue of material fact ', that will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will 'tender ' as evidence in a court proceeding if Gurstel Chargo pursues this matter. Consumer refuses to be a victim of 'unjust enrichment ' or extortion. Consumer thanks CFPB for providing this venue as documentation.

Company response to consumer: Closed
Consumer complaint received 01/22/2017 about Credit card () with U.S. BANCORP (DC).
Issue: Billing disputes

Complaint: Us Bank closed my credit card in retaliaition for reporting them to your agency. They have also denied my request for past statements, lied about the true balanced owed, lied about payments received, and lied about not receiiving documentation related to several disputes. 
I want the following charges outlined in the attachment removed from my account. I am also notifying experian of the retaliatory actions taken against me and a long trail of false statements provided to me by us bank as related to payments received, documents, and emails.

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