milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (UT).
Issue: Loan servicing, payments, escrow account

Complaint: our mortgage company XXXX sold our loan to Nationstar in XXXX ..nationstar is saying that we are behind XXXX payment since XXXX of 2015..when we were with XXXX. I have all my checks and paperwork from XXXX showing all of our payments were made and escrow was sent to Nationstar as of XXXX 2015..I have called Nationstar 13 times they gave me false email accounts. false fax numbers. talk to a manager emailed her proof everything was paid. they will not try to fix the problem or help me out..they just keep saying I am behind a payment. not with them ... .but when I was with Ocwen..

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed this with XXXX, Equifax and XXXX XXXX several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that one is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: my wallet was stolen. someone tried to open several credit cards in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: BBVA Compass Bank initiated an unnecessary legal action, by a XXXX manager that resulted in outrageous legal bills that I had NO control over. I should mention that prior to this incedent, I was a BBVA Compass customer for over 10 years without XXXX blemish through XXXX of loans and mortgages. During the litigation process, the bank and its outside counsel conferred frequently and needlessly known full well that under the original loan documents, I, as the borrower, would be responsible for the legal bill. I firmly believe that this legal bill was extremely inflated and I was forced to pay the full amount of {$50000.00} when I paid off the loan. What is disturbing is that the bank refused to provide any documentation or copies of legal bill at closing, stating if the full amount was not paid, immediate foreclosure would be executed. I repeat, I was forced to pay {$50000.00} WITHOUT any copies of legal bill. 
The bank claimed legal bill of {$50000.00}, My legal bill from an attorney I was forced to hire to defend this unnecessary action was less than {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have debts reporting from Medical Data systems reporting on my credit reports that are inaccurate, and I need them removed. A debt for {$4200.00} acct # XXXX {$160.00} acct # XXXX {$220.00} acct # XXXX and {$600.00} acct # XXXX. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, 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 01/23/2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I contacted credit acceptance in XX/XX/XXXX about my payments. They informed me they would not repo my car. I. XX/XX/XXXX i requested for the car to be picked up due to me not being able to make the payments and i was told that i was stuck with the car because if they picked it up they wouldnt get alot if they auctioned it so it wasnt worth them getting it but they refuse to send me a title so i can do soemthing with the vehicle.

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 02/23/2018 about Debt collection (Federal student loan debt) with ECMC Group, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have filed BK it got discharged XX/XX/2017 I contacted XXXX to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (I do not know) with Midwest Recovery Systems (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was not aware and do not know why I owe Midwest Recovery Systems money. I have not received any notice of debt and was not given any opportunity to dispute it. I just found out about it because I have a credit notification service that provides me with information that helps me monitor my credit report and score. And I do believe that XXXX XXXX XXXX has already been notified by the consumer financial protection bureau once on my behalf and they corrected this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have insisted that this account belonged to my mom. And I never signed any agreement to add me as a co-signer I keep requesting copy of the note or loan agreement and XXXX XXXX will not answer me. So when I dispute it the credit agency does not even investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (I do not know) with EOS Holdings, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: Today XX/XX/2015, I received a phone call from XXXX claiming they are debt collector. I think it is a some sort of solicitation, because far as I know, I do n't have anything go into debt collection. I informed the guy immediately, I have an attorney, but he continue to pressure me to ask, if I am filing bankruptcy, even after I repeated about XXXX times that I have an attorney, please contact the attorney directly. He was very forceful, and he claimed ignorance when I informed him that it is illegal to ask me questions when I already inform him that I am represented by an attorney. I asked for his information, I am not sure if he gave accurate information because he was very evasive. He claimed his number is XXXX, name is XXXX ( though he quickly said another name ) with operator number XXXX, company XXXX or something. I gave him my attorney information and hanged up, but I think it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a letters to TRANSUNION disputing the credit reporting on the following items on XX/XX/XXXX which they received on XXXX ( XXXX XXXX : XXXX, XXXX, XXXX ) : XXXX - XXXX XXXX XXXX PAYMENT STATUSES IN XX/XX/XXXX AND XX/XX/XXXX on all XXXX accounts with XXXX. 
CREDIT XXXX - XXXX 30 DAY LATE PAYMENT STATUSES IN XX/XX/XXXX AND XX/XX/XXXX XXXX - THAT I OWE {$840.00} AND THE ACCOUNT WAS CHARGED OFF. 
XXXX - I HAD A 30 DAY LATE PAYMENT ON XX/XX/XXXX XXXX - THAT I AM 150 DAYS PAST DUE AND OWE {$7000.00}. 
In the letters I asked them to " Please validate this information with the creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that the 30 day late payment be immediately deleted from the credit file you maintain under my Social Security number. '' They did not respond back with in the 30 days with any viable proof bearing my signature. I sent them letters again on XX/XX/XXXX ( This time all in XXXX envelope, tracking number XXXX XXXX XXXX XXXX XXXX ) and still have not received anything back from them. It has been more than XXXX days since my original letters sent. 

When I call them they tell me they ca n't do anything. I have dealt with the creditors and they tell me to talk to the credit bureaus, and when I call the credit bureaus and they tell me to call the creditors. It is a never ending circle.

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 03-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I've been a loyal customer with citi for over a decade, never had late payments or so, i've earned over XXXX Reward points, and they all of sudden for no valid reason - shut my account and stole the points

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 04-01-2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed these XXXX XXXX it has XXXX accounts listed when there was only XXXX account to start with that was actually from fraud. the account report wrong dates, payments, terms, amounts, and balances. I did not know how to approach the situation about the fraud and was sued i found out when i was in the process of buying the house so i ended up paying the judgment and i am still trying to refinance because the credit bureaus refuse to correct this information it is causing me great financial harm the judged learned what happened he removed the judgement. Upon speaking to XXXX they stated that they are not verifying this information with the credit bureau. The credit bureau will not remove this information. I am including the offical stamped letter from the judge stating that the debt that i have with XXXX is satisfied.

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 02/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Was XXXX XXXX loan, transfered to Navient, Now XXXX on my credit report, as Write off. When we call Navient to get it corrected, they have no record of the load. 
Killing my credit

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: i order a XXXX on line which the site said ebay and that i can pay with my pay pal account and that my order is protect. on XXXX/XXXX/2015 i get an email from XXXX saying my package was delivered as XXXX so i get home around XXXX and i see no package so i called XXXX and they said the package was passed off to United State Post Office and that they received an email from the post office that the package was delivered. So i called the post office and they tell me the package was left on the front pouch and i told them there was no package left i told them i went back to my camera that i have outside of my house and it do not show anyone coming in my from gate at the time they said the package was delivered so they open an investagation and gave me a claim number and said some will call me within XXXX hours. witch they did n't it was more like 5 days when i received a call back and the rep. just told me the same thing i had on my compliant form that the package was delivered on XXXX/XXXX/2015 at XXXX i told him this is the same information i put on my compliant tell me something else. I asked the rep. if he spoke with the person that said they delivered the package and he said no i said why not he said they might not remember i told him that 's not an answer he said he would checked with the person and get back with me. a few days went by and i call the post office back and they told me my case was closed i said the rep. i talk to was going to check and get back to me. so i open another case with the same complaint and they told me the same thing. no one did anything about this and i want to know why. right now im out XXXX and my son son do n't have his XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX has incorrectly stated I owed money to this doctor, which was never true. Please contact both parties to review and have them remove all from my damaged credit file : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( 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 05/24/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: On  XXXX   XXXX   2017, I  applied for pre-approval for an auto loan from my bank, USAA. I was preapproved for a range from {$40000.00} - {$6000.00}. Right on the web site it said that this was only a preapproval and I was not guaranteed any specific amount until I selected a vehicle and finalized the loan with a USAA loan officer while I was at the dealership. The next day  XXXX   XXXX     2017, I did  every step that USAA said to do, went to the dealership, and finished by talking on the phone with a lady who represented herself as  a USAA loan officer whi le sitting at the dealership. I gave the loan officer the VIN number of the vehicle, permission to pull my credit report, and all the other information she requested. At the end of the conversation she guaranteed me a final loan amo unt ( {$43000.00} ),   term ( 84 mon ths ), and rate ( 3.8 4 % ). I asked her to confirm the rate and term several times in front  of the dealership financial manager. Based on the guaranteed rate and term provided by the USAA Loan Officer, I closed the deal and purchased the vehicle. After four days ( when it is too late to return the vehicle without penalty ), USAA sent me a document entitled " Addendum to Note, Disclosure, and Security Agreement, '' with a completely different rate and term than the ones I had finalized with the " Loan Officer. '' I immediately called USAA, and they refused to adjust the rate and term to the one agreed to by their representative, because they said I had already agreed to a rate and term the night before I went to the dealership, and the " Loan Officer '' had no authority to supersede that on the phone. I understood the work I had done the night before to be a preliminary preapproval and that the loan terms would be finalized on the phone with the USAA Loan Officer just as we did. Otherwise, what would be the point of the phone call? I believe this to be a fraudulent, " Bait-and-Switch '' tactic to switch people into whatever rate and term are most advantageous to USAA after the loan has been negotiated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (I do not know) with ERC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was originally contacted by a XXXX debt collection agency in the fall of XX/XX/XXXX for payment of phones, services, etc for approximately {$1400.00}. I opened Case number : XXXX and thought the issue was resolved until a received another notice from a different collection agency used by XXXX today, XX/XX/XXXX ( a year and a half later ). I have never done business with XXXX and need your help to make them stop hiring companies to harass and threaten me with bad credit, etc. It is unfortunate that they sold devices to persons unknown but my suggestion is that they vastly improve their vetting/authentication process before giving phones to strangers. 

Thank you, XXXXP.S. I do n't really view this as " identity theft ''. I view this as XXXX making a foolish sales decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Vehicle loan or lease (Lease) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Universal has my account listed as closed instead of paid. It is impacting credit score

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 02-12-2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XX/XX/XXXX I received a letter in the mail from Credit Control , LLC and the letter stated I have an balance due of {$1000.00} from XXXX XXXX XXXX. I contacted the company and asked what type of debt is this and the representative stated this was an XXXX XXXX account and I explained that I do n't have an account with XXXX XXXX but the representative insisted on telling me yes I do have an account and they ca n't sue me because the age of the debt but they can arrest me if its not paid within 30 days from the date of the letter. He could n't tell me when and where it was open but all he kept saying was the amount that was due and when was the last payment on the account which the letter stated XX/XX/XXXX and charged off on XX/XX/XXXX. The representative explained that he will do any and everything to get this debt resolved by any means. I asked what was his full name and may I speak with a supervisor he told me he was the supervisor and there is no one above him that I can talk to. So I explained I will report their company to the XXXX and CFPB. The representative stated that wont help my situation and hung up the phone immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Student loan (Private student loan) with EdFinancial Services (AR).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I tried to have all student loans consildated and receive loan forgiveness that I paid for, but this one loan continue to Bill me. For XXXX dollars intrest XXXX dollars I do n't know what to do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed a validation letter in XXXX 2015 and have not received information regarding the debt. They continue to report to the credit bureaus. In addition, XXXX the accounts they claim I owe are the same amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation