milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Debt collection (Mortgage debt) with Quality Recovery Services, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Quality Recovery service  XXXX   XXXX   XXXX   XXXX  Was remove from my credit report back in  XXXX  and  XXXX  the item reappeared back on my credit report with different balance.This company garnish my wages from a seasonal part time job. This is against the law. To remove item and place item back on my credit with different balance amount. I move from the apartment in good standing with a  XXXX  balance.   Papers have been mail and fax to the agent and credit bureau. Please remove move this apartment off my report.     Can you please remove Quality Recovery Service  XXXX   XXXX   XXXX   XXXX   XXXX  GA  XXXX  Account #  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 07/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Homeowners XXXX XXXX and XXXX XXXX obtained a HAMP in XX/XX/XXXX but believe that the loan servicer ( now Nationstar ) erroneously failed to remove the $ XXXX monthly private mortgage insurance. 

The mortgage insurance makes their loan unaffordable, and when combined with some other challenges, caused them to fall behind in XX/XX/XXXX. XXXX XXXX and XXXX XXXX hired XXXX XXXX, XXXX in XX/XX/XXXX to help them resolve the arrears. On XX/XX/XXXX, Nationstar guaranteed that it would remove the {$250.00} cost of the mortgage insurance if the homeowners reinstated by XX/XX/XXXX The homeowners timely reinstated but Nationstar now refuses to honor its promise to remove the private mortgage insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Medical) with KAHRS LAW OFFICES, PA (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed the claimed debt of {$1100.00} to Kahrs Law Offices, P.A. on XX/XX/XXXX by informing them that I do n't owe this money. On XX/XX/XXXX, they sent verification claiming that it is valid debt that is past due ; however, this is a time-barred debt because written contracts in the state of KS is five years, and with XXXX, this goes back to XX/XX/XXXX. In other words, this exceeds the statute of limitations for the state of KS ; therefore, I do n't owe this money they are claiming, and I want all collection practices to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: The payment amount changed again, and upon changed i called and confirmed the additionl payment amount due well prior to the due / late charge date. I believe XX/XX/XXXX.

I made a XXXX   payment XX/XX/XXXX on amount due XX/XX/XXXX. Then addional XXXX within the grace period.

They are posting the payments to priciple & not the actual payment due. Thier representitives our misinforming each and every thime I have called them. They are indicating my additional payments are sufficient to cover my monthly obligation as they all have been well above minimum payment amounts, yet they have ruined by credit report.

today they have informed me via telephone i cant pay prior to 30 day payment due date. Although every call prior they claim my payment schedule was ok, and i need not worry about any report, or late fee!. There have been not late fee charges as the payments have not been late.

this whole matter is far to confusing to any consumer, and thier call center reps are as confused as the cunsomers when on the phone. This whole thing is obserd

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 06/22/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a federal tax lien on my credit report that needs to be removed. The lien has been paid and released as you will see in the documentation provided. I have contacted the credit bureau to have this removed and they will not. I have asked for the reporting person or entity that put this on my record and they will not provide me with anything other that XXXX. I have contacted this office to see if they would remove it from my credit report and they informed me that they did not report it to any of the credit bureaus nor do they ever. They only file it as a public record. When I informed the credit bureau of this they insist that they communicate electronically with the reporting entity and they are waiting for a response. I then asked " well if you communicate electronically with the reporting entity, who is the person on the other end that will answer you? '' They said that it was an employee with the XXXX court system and that they would respond. I asked once again who that was and they refused to provide me with a name. I then did some more investigating and actually talked with the XXXX XXXX XXXX ( XXXX XXXX phone number XXXX ) and he did some research for me. He states that the Court case number and the docket number provided to me by the credit bureau belongs to XXXX XXXX and that the Federal tax lien does not show up in their records for me. He further stated that neither him nor any department in the XXXX XXXX Court system reports anything to any of the credit bureaus. I also spoke with the IRS who had the court place the lien on me and they told me that they were not the ones who reported to the credit bureau. Like the court system they say that they never report tax liens to the credit bureaus. I can not get any information from the credit bureaus so that I can contact someone to try and get this removed. With everything else that is on my credit report I have contact information of someone that I can contact to try and resolve the situation and resolve the matter. I do not have that same opportunity with my tax lien as the information being given to me by the credit bureau is false.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Trouble during payment process

Complaint: I refinance my house on  XXXX   XXXX ,  XXXX  and opened mortgage with Quicken Loans. My monthly payment on 30 years fix interest loan was  XXXX  On  XXXX   XXXX ,  QL a gainst my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since  XXXX   XXXX  I made over  10 re quests to close  XXXX  account.  QL  refuses multiple requests to close escrow account unless I apply for new higher percentage loan.   On  XXXX   XXXX ,  XXXX  I made regular ( on tim e ) pa yment for loan at the amount of  XXXX .   Instead of accepting payment as expected , QL pl aced my payment in Suspense, because they charged me {$1600.00} on  XXXX   XXXX ,  XXXX  ( for duplicated home insurance ) and then refunded - {$1600.00} on  XXXX   XXXX ,  XXXX  after I complained. But  QL  kept my payment in suspense ignoring phone arrangement to provide total amount own on escrow until  XXXX   XXXX ,  XXXX  when I was charged for late payment. At that time I was promised refund for late payment since record show that I made payment on ti me (   XXXX   XXXX ,  XXXX  ). Later QL loan also ignored that arrangement. And on  XXXX   XXXX , they charged me  XXXX  even though payment history ( attach ed ) sho ws on time payment, written chat conversation shows the request to provide escrow amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (TX).
Issue: Problem when making payments

Complaint: My due date is the XXXX of each month. On the XXXX, funds are auto-drafted from my checking account. I would like to make payments earlier ( 1-3 weeks earlier each month ) when I have the money available. I would rather make my payment on the loan where I am being charged interest than to have the money sitting in my account earning 0 % interest. Lending Club refuses to allow me to make payments before the due date. They would like to earn extra interest by forcing me to not make payments early. They told me that if I made a payment today ( 3 weeks early ), they would take out a full payment again on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, My name is XXXX XXXX. I recently logged online and reviewed my credit history with XXXX and TransUnion and I saw there were several hard inquiries which were not authorized. I suspect that this could be an attempt of ID theft. Here are the names and dates that my credit was hard pulled. 

XXXX XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX Why would they continue to pull my credit report is beyond me. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help. 

XXXX 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 08-09-2017 about Payday loan, title loan, or personal loan (Installment loan) with Westcreek Financial (MD).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX I went to XXXX XXXX in XXXX, MD to purchase two mattresses. I was offered a credit application so I tried and was denied. The salesperson explained that the have another payment option through West Creek financial and we are able to do 3 months 6 months or 12 payment options. This would be paid from my bank account ACH withdrawals. We explained that I wanted the 6 month option so I do n't pay as much in fees. He agreed that the less time you have to pay the better. The total came to {$2400.00} and that we had to pay {$190.00} as my 1 payment in the store additional payments for 6 months will be paid biweekly from my bank account via ACH withdrawal. Fast forward 6 months I am still paying. According to my calculations XX/XX/XXXX should have been the last payment. My wife realized that West creek financial took out a payment of {$190.00} on XX/XX/XXXX. So when I got home from work we called West Creek Financial and spoke with the customer service agent. The agent explained that we do n't have a 6 month plan, you have a 12 month plan according to our records. I said you have it here on your pamphlet 6 months and that 's what I asked for. The agent said I have to pay 80 % interest on the total of the purchase for a total of {$4400.00} over 12 months or pay them {$1100.00} today to settle the interest. I told the agent that is robbery and no I did not sign up for that. He explained that he would reach out to the financial department and see what he could do. I thanked him and he said he would call back the next day to tell me or my wife the verdict from finance. He called back spoke with my wife and said the most he could do is lower it to {$930.00} if we pay today. My wife thanked him because he tried, but told him that we are submitting a complaint with CFPB. To date we have already paid {$2900.00} that 's {$470.00} over. That should cover the fees for the 6 months. Please help me with our situation with West Creek Financial in

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, I reported an error on my TransUnion credit report ( only  ) which added an unknown name to my report. All other information from the unknown individual was merged with my transunion report which dropped my score and forced my report to lock after reporting the error. I filed error reports both orally to TransUnion on two phone calls, two weeks apart from one another, and one report digitally through XXXX. The error report filed through XXXX is still open and states that the report estimated close date is XX/XX/XXXX. Because the date had passed and the other two phone calls yielded no results, I called XXXX a third time - this time requesting a supervisor. The supervisor informed me that the case had closed on the XX/XX/XXXX and that all 3rd parties reporting the case were wrong ( XXXX  ), and that TransUnion does not inform consumers when cases have been closed and/or what the conclusions were. I was able to get the supervisor to acknowledge that the name added to my report was still on the report erroneously and that it would now be removed 3-5 days from that call ( on XX/XX/XXXX ). However, my credit score is now lower than before and I have been harmed by this issue caused by TransUnion. The supervisor refused to admit that harm had been done to my credit file and that the score I was seeing was correct, only stating that 3rd parties use different methods of calculation which could be why it is now lower. My credit has not changed in the last three months that this dispute been open, and the other two bureaus have my unchanged score from before this had begun. I am being punished for a mistake that TransUnion made on my credit file, I have been unable to use my credit to open new accounts or apply for necessities such as a new phone payment, and I am now coming out of this still unsettled dispute with lower credit. I have no option but to accept that a merge of my credit file with someone 's credit file has lowered my score, even though all other elements of their credit has been removed from my report.

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 (Non-federal student loan) with AES/PHEAA (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: American Education Services is calling me every day about XXXX missed payment, the XXXX payment. According to my bank records a check was sent to them on XX/XX/2015 and cashed on XX/XX/2015. They say they have no record of the payment. I contacted XXXX XXXX XXXX who verified that the payment was made on XX/XX/2015. XXXX XXXX XXXX has attempted to contact AES by telephone but received busy Signals. 

This started this past Friday, XXXX. I told AES that I was contacting my bank that they would be calling AES. I was told that they would call me " every day '' until payment was received, which sounds like harassment. Particularly since I have paid faithfully on this loan for years with no missed payments, and the payment that they are calling about is not even 30 days late. I told her that it wo n't do any good to call me every day as I am not going to pay something that I 've already paid and I 'm not doing anything until XXXX XXXX XXXX makes contact with them which will be Monday XXXX. She said that they would call anyway. 

I obtained their fax number to fax them copies of printouts from my account that show this bill was paid. However, there were Communication Errors between their fax and mine, so I US Mailed the documentation. 

Today is Sunday and they have called twice. Both times I ignored the call because I knew what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I submitted a payment via mail  to Navient o  n  X/XX/17 . The paym ent amount was   XXXX   XXXX    which was  in money order from.   To date which is   XX/XX/17 ,  Navient has still not processed my payment. I think there is a deliberate action to delay payments posted to accts to further build late fees. its been more th an 2 weeks and they payment still has not been processed. This is not the 1st time that this has happened with  my acccount. It has happened on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Coast to Coast Financial Solutions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Coast 2 Coast is still trying to collect and report a debt to my credit report that was a result of ID THEFT. I explained to coast 2 coast I never lived at the service address provided and that my identity had been stolen. 

The failed to properly validate the account with my name, social, or drivers license number. I sent over a dispute letter as requested and a copy of my police report but nothing has been done to rectify this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07-06-2015 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My wife & I held a primary mortgage with XXXX and a HELOC with Nationstar Mortgage. We Refinanced ( which went very well ) maintaining XXXX as our primary lien holder and drawing additional funds to payoff the HELOC with Nationstar as well as draw some additional money for home improvements. We closed XXXX XXXX, 2015 and received our check very early XXXX. Upon closing, I cancelled recurring payments to our original obligation with XXXX and with Nationstar. 

On XXXX XXXX, I received an e-statement from Nationstar that reflected my balance, plus XXXX past due payment and XXXX upcoming. Given we closed over a month ago, I called and was told that they never received a payment, let alone a full payoff. My wife & I were shocked! We double-checked all the closing papers from the Refi, and the payoff amount was included. I called XXXX, who spent a great deal of time researching what happened, and they were able to provide me with the XXXX tracking number for the check cut to Nationstar. They were even able to confirm that the package was signed for at the Nationstar facility on XXXX XXXX and the check was later cashed on XXXX XXXX. 

I filed an online inquiry with Nationstar for tracking purposes after their call center proved incompetent at assisting me. In the online inquiry I provided them : 1 ) a snapshot of the closing papers that referenced the payoff amount, 2 ) the XXXX tracking number, and 3 ) the image of the payoff check ( which I had to obtain from the title company ). 

On XXXX XXXX when I recognized the payment had not been processed and my initial phone call to Nationstar my online statement read that I owed {$140.00} as " past due, '' and the following day, after making them aware of their oversight, they raised my amount past due to {$290.00}. 

Today is XXXX XXXX, 2015. I sent Nationstar the image of the payoff check XXXX XXXX, and my account has still not been credited. Keep in mind, they signed for & cashed this check over a month ago. And now the are piling on late fees & charges for an account that should be paid off completely. 

My attempts to work with them to properly credit my account are leading me nowhere and I feel my wife & I may end up either owing more as part of our attempt to better our financial situation through our Refi, or needing to spend a huge sum of money for legal help on a simple matter of taking and applying a payment. Can you please help us!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact XXXX, Experian, and XXXX. I have also called the companies in which the inquiries were made and they were unwilling to help.

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 10-04-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have made consistent payments on time into my private student loan through Wells Fargo. I still have late fees issued to my account, even though the monthly payment was paid well ahead of time, and for more than my minimum monthly payment. This has been done multiple times in the past few months.

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 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I disputed to the credit bureau the reasons why  XXXX   XXXX   XXXX  located in  XXXX   XXXX , MN should not be on my credit bureau. I sent this  XXXX  of  2016, It has been a year yet I have not received any feedback but yet this is still on my c redit report!

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX   XXXX   XXXX   XXXX  continues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account 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