milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage has reported me late to the credit bureau from XXXX despite making monthly on-time payments each month. I also discovered that in XXXX XXXX they placed my permanent home loan in modification without my knowledge. I received a letter in XXXX XXXX that effective XXXX XXXX, my loan would increase by some {$300.00} due to my escrow having a negative balance. Finally, on Wednesday XXXX XXXX, XXXX I received a letter Carrington stating that I am in default on XXXX loan payments and owe {$2600.00} and run the risk of foreclosure! I have not missed XXXX single payment to Carrington Mortgage. This company has been a nightmare to deal with since my loan with XXXX XXXX XXXX was sold to them. 

When my loan was sold to Carrington, by XXXX XXXX XXXX XXXX XXXX, I was told by a Carrington rep that despite the fact that they had n't received all the documents from XXXX XXXX XXXX I can began making payments to them on my loan. I did this and have done so faithfully monthly. Then once the paperwork came thru, a few months later Carrington assigned me an acct number, sent paperwork to have payments debited directly from my bank account to them monthly. Carrington also conducted an audit on my account and found that there was a surplus in my escrow and sent me a refund check of {$3300.00} in XXXX XXXX. I continued to make my monthly payments to them for a period of 6 to 8 months I had no problem when making my payment. Then in XXXX XXXX, I was notified by XXXX ( Carrington Rep ) I no longer had a permanent loan but my home was in modification with Carrington because the Underwriters " de-archived the loan, '' because they discovered missing documents from XXXX XXXX XXXX. I inquired how I could be in a modification without my knowledge. XXXX could n't understand it herself but assured me to continue making my payments and it would be straightened out. Then in XXXX I received notification my mortgage payments would increase in XXXX XXXX and now the notice of XXXX missing mortgage payments citing my loan in default. Repeated requests with various Carrington representatives over the last few months have been unsuccessful and not resulted in this problem being resolved as promised. I am requesting all my payments be applied to my permanent loan, so my escrow reflects the correct balance. This will also cause my mortgage to remain at its current payment {$1300.00}. I also want the late payments removed from my credit report as it has negatively impacting my credit and lowered my score. I do NOT need a modification as I have not missed ANY payments. I have enclosed all paperwork including bank/mortgage statements reflecting Carrington receiving all payments from me, a portion of my credit report where Carrington has reported me late and all notifications I have received from Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: In   XXXX   of 2016     I  XXXX   XXXX  notified EXPERIAN,  XXXX , and  XXXX  they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims. EXPERIAN,  XXXX , &  XXXX  refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are deb t collectors.

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 04/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report is showing I am in collections both for XXXX XXXX and XXXX to an address in XXXX MA. The problem is I have never been a subscriber to XXXX and I have never lived outside of XXXX, MA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is currently reporting that I owe a balance for this card. I have requested proof/validation for the account. XXXX continues to send me their company 's credit card agreement statement. I have not received any documentation with my signiture starting that I agreed to open and acccount with XXXX.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that XXXX provide me with competent evidence that I have any legal obligation to pay you. XXXX is currently reporting invalidated information to the three major credit bureaus ( XXXX, XXXX, Trans Union ), this  action might constitute fraud under both federal and state laws.

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 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have 2 police reports on file with the XXXX and XXXX XXXX Police Department in regards to fraudulent collection accounts and hard inquiries listed on my Trans Union, XXXX and XXXX credit report. I have sent both police reports to Trans Union, XXXX and XXXX in regards to the fraudulent collection accounts and hard inquiries. The following collection accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, {$7800.00}, XX/XX/XXXX, XXXX, {$6000.00}, XX/XX/XXXX, XXXX XXXX, {$290.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, Further I have been receiving harassing phone calls and death threats from XXXX XXXX representatives.

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 08-12-2017 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 been rate shopping and as a result my credit score has dropped in all three major credit reporting agencies. This quote in fron Equifax itself. " Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of timeusually 30 days. In these cases, multiple inquiries will be treated as a single inquiry, and this will have little or no impact on your credit score. '' FICO scores have a similar treatment that is well documented. This happened to me in XXXX  AND XXXX of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Debt collection (Credit card) with Smith Debnam Narron Drake Saintsing & Myers LLP (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being accused of having a XXXX Card debt that I did n't pay off, so XXXX has turned over the account to another company ; Smith Debnam Narron Drake Saintsing & Myers LLP to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Payday loan () with Sokaogon Finance, Inc. (NJ).
Issue: Charged fees or interest I didn't expect

Complaint: I did a payday loan through WhitePine Lending. I didnt know it wasnt legal in my state ( NJ ) nor did I expect it to cost as much as it did. I felt as if I was constantly paying and the debt was never cleared. Now I am getting phone calls at my job and they are telling me they will garnish my pay. 

I also did a payday loan through XXXX. They are also calling my job now trying to do a settlement. I 've done a settlement before with XXXX ( XXXX difference companies yes, ) and I was scammed. I paid XXXX $ and I still had a balance, and it was n't cleared from my name. I do n't know how I feel about doing a settlement. The man was rude

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: We were refinancing  our 1st mortgage with a REPUTABLE company, NOT WELLS FARGO ( getting away from  XXXX  ) - Wells Fargo just happens to have a minority stake in our property through HELOCS - In our CLOSING agreement on our new 1st mortgage, we discovered that Wells Fargo EMBEZZLED {$250.00} from us - when we complained to them that they conducted MORE fraud against us, all of a sudden this {$250.00} was some sort of a " fee '' - WELLS FARGO CA N'T CHARGE A FEE IF WE ARE N'T DOING BUSINESS WITH THEM - ESPECIALLY WITHOUT ANY ADVANCE NOTIFICATION ... that is stealing. They have a fiduciary duty to us, as ALL of our bank accounts are at WELLS FARGO ... Had they actually informed someone of their intent to charge this " fee '', we would have  absorbed their loans into our NEW MORTGAGE ...     I have already had fraud committed against me by  WELLS FARGO in the " New Account '' SCAM that they were conducting and previously fined for - Their  most recent fraudulent actions involve skimming off of transactions that they have nothing to do with - They were NOT entitled to our  XXXX , LET ALONE to steal {$250.00} from us in the process. AGAIN, we were NOT doing business with them. They had NO RIGHT to request any information or issue any " fees '' - primarily because no one was doing business with them. YOU NEED TO CHECK THIS OUT, BECAUSE I GUARANTEE THAT WE ARE NOT THE ONLY ONES THAT THEY ARE DOING THIS TO ...     Their response to the fines that you have previously issued to them is reprehensible - They merely treat the money as if it 's payola or some type of licensing fees to enable them to continue the fraudulent abuse and theft that they routinely conduct against their consumer account holders. Because they know there is NO CONSEQUENCE.     Fines are not enough - CRIMINALS NEED TO BE CHARGED with their crimes!!!     And by the way : Did you EVEN BOTHER to notice that there are MORE COMPLAINTS on your site AGA INST WELLS FARGO, THA N ANYONE ELSE ...??????? By far - all you need to do is look.     CLOSE THES E STAGECOACH ROBBERS DOWN!!! TRUMP 'S PETTY  CASH BOX.

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 12-11-2016 about Debt collection (I do not know) with Finkelstein, Kern, Steinberg & Cunningham, PC (TN).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I have been sued and currently have a judgement filed against me for a debt that I know nothing about for a whopping {$2000.00}. I would be fully aware of owing such a large debt. Clearly as far as I am concerned there is a huge error somewhere and I would be a complete fool to agree to a debt that I know absolutely nothing about. I have disputed this judgement that showed up on my credit report reflecting a filing date for 2012. The judgement fell off my report without a problem because no original documentation could be provided proving that I owed the debt. A few weeks later I received a return letter in the mail seeking to garnish my wages from the same company. I went to file a motion of installment to protect myself and to stop the garnishment from moving forward. I work very hard to provide for my family and I am going to protect myself as well as my family with everything that I got. It is clear that unfair practices and fenaglining of legal documentation by this agency has taken place as evidenced by a spa being listed as the plaintiff on legal documentation that I have retrieved. Clearly this is abuse, deceptive, and unfair in reference to The Fair Reporting Act. Agencies like this, in my opinion should be put out of business immediately. I do not take playing with my livihood lightly and I earn every penny that I make for my family and will not be victim to unfair practices. This needs to be resolved immediately. My next step is the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Re : Request for Investigation/ Debt Validation Request Capital One Bank USA- Account # XXXX Sold to XXXX XXXX XXXX No Address on FileATTN : XXXX XXXX XXXX / Federal Trade Commission / Capital One Bank USAThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from XXXX XXXX debt collection agency on my credit file. Experian Report Number : XXXX Dated : XXXX XXXX XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( Capital One Bank USA ) for Disputed Billing Charges and Billing Errors in XX/XX/XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for XXXX XXXX XXXX, where were your documents submitted? To whom were your documents submitted. Therefore, I request the FTC investigate this issue. This could possibly be a fake company. 

This is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via U.S. mail at the address listed above. 
Since XXXX XXXX have now acquired this inaccurate disputed account. I am advising you that, XXXX XXXX XXXX, was never notified by XXXX XXXX XXXX, of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 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: Information belongs to someone else

Complaint: XXXX Date Credit Inquiry Equifax XXXX/XXXX/XXXX XXXX XXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX Equifax XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX  Equifax Equifax XXXX/XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was under the impression, based on comments by reps I spoke to and chatted with online that I would be credited the XXXX interest charge of {$85.00} from XX/XX/XXXX, then again the interest charged on {$78.00} onXX/XX/XXXX. Now, multiple times, when I brought this to multiple reps attention, I got a corporate cookie cutter response and they acted like they never even looked deep enough to find this promise. I got the standard " Fees are charged '' .. Blah, response. I want this promise fulfilled as I expected this

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 monetary relief
Consumer complaint received 11/20/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Creditor did provide information on how to dispute debt. Creditor has placed lien against my bank account until all monies owed are paid preventing me form using my bank account since 100 % funds deposited will be forwarded to creditor until requested amount 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 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Back ih 2014 A bottled water company did not deliver water and I called and canceled their service. They kept billing me I set up all my accounts on auto pay. I called the company and they refunded to my credit card. One year later they started to bill me for the service I never received and for the money they returned.I called the credit collection company and noticed them of my dispute. Another year passed and yesterday the filled everything again with the credit bureaus. Calling the credit collection company again accomplished nothing

Company response to consumer: Closed
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have made several attempts recently on  XXXX   XXXX   2017 , the student loan was transferred and its being paid with   XXXX   and it appears in my credit  XXXX  with a default loan which hurts 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 explanation
Consumer complaint received 02/24/2016 about Debt collection (I do not know) with Weltman, Weinberg & Reis Co., L.P.A. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wetman, Weinberg, and Reis Co., LPA have called me repeatedly. They use automated calls that leave long messages on my answering machine. They are looking for somebody. I am not that person, but to get the phone calls to end, they want me to call them back. I should not have to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Credit card) with CREDIT BUREAU OF NAPA COUNTY, INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled this debt directly with Chase Receivables. I disputed the collection with XXXX explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This collection agency got my medical information and should n't have. I signed statements on all XXXX accounts they have on file that I was indigent when the medical visit to the hospital occurred. I also did n't give the doctors, labs, hospitals permission to disclose my information to this collection agency. They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They once called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information illegally. I was on food stamps for a few months, applied and was denied unemployment, and was very poor when I visited the hospital XXXX times in 2 years. Everyone who sent me a bill from the hospital stays was informed that I was indigent at the time. No collection agency should have been given my medical financial information. 

This company has filed XXXX accounts on my credit report, even though the original dept was taken off my credit records. I disputed these accounts, yet they stayed on my record and continue to harass me every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer, Nationstar Mortgage, neglected to pay the homeowner insurance on my home resulting in the canceling of my policy, and leaving me uninsured and vulnerable to loss. All while collecting escrow and refusing to allow me the responsibility of paying the insurance and real estate tax myself.

Company response to consumer: Closed with explanation