milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company, Ditech has been sending letters stating that we are behind on our mortgage since XXXX XXXX and has sent a notice of default when in fact we are not behind on any payments. We have spoken with customer service and they verbally acknowledge receiving our payments but will not put in writing what has been stated verbally to us numerous times ( that payment was mis-allocated and pending re-allocation and that they are having problems with their system upgrades. We are in the middle of a refinance with Ditech and are concerned that we will lose our locked rated if the payments they have received are not posted properly to our account in a timely manner. We are also concerned that Ditech will try to foreclose on our home/current loan before correcting their internal problem. We are wondering if this is a predatory lending strategy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I applied for a loan from ace cash express on XX/XX/2015 I was approved and received my money. I don't remember the exact amount, but they are saying I owe XXXX now. They call me repeatedly 19 times in 2 days. I've offered to make payments on my time with what I can afford I work part time and make XXXX an hour working 15 hours a weem paid every 2 weeks and plus raise my son. They told me they have me on video, which is wrong I applied online, and that I drive a black XXXX, which is wrong. They tell me they will use me, take me to court and make sure my son get taken away. I'm XXXX off over this I understand I need to pay it and I will buy I refuse to let my son not get his daily nutrition over a payday loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan modification,collection,foreclosure

Complaint: In 2007 I purchased a rental home in XXXX XXXX. Needless to say this was probably the worst timing in the history of the world. It took until XXXX to finally get it short sold. XXXX is reporting as a Foreclosure and that is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX collection date : open XXXX amounts : {$890.00} XXXX date opened : XXXX amount : {$840.00} XXXX XXXX XXXX date opened : XXXX/XXXX/XXXX amount : {$920.00} Certified letter sent to companies to provide viable information with my signature. Companies have declined. 
Certified letter sent to Credit bureau to investigate and they have not done so and left the negative items in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a certified letter to Experian on XX/XX/XXXX and it was signed for on XX/XX/XXXX. This can be verified in usps certified letter tracking # XXXX XXXX XXXX XXXX XXXX. In this letter, i requested Experian send me copies of the documents that they have in their files as of this date that they used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. XX/XX/XXXXi, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
As of today, XX/XX/XXXX, Experian still has a total of XXXX accounts they did not provide me copies of the documents that they have in their files as of this date that they used to verify the accuracy of the accounts listed

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 01-04-2017 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I began receiving phone calls from several different numbers and each time a message is left there is no mention of name as to whom the message is intended. The message only identifies as being from a debt collector demanding a return call to Dynamic Recovery Solutions at XXXX. Each time I receive a phone call it is from a number in Georgia with the most recent being from numbers listed as cell phones. I do not owe any debt to this company nor have I received any written communication as to what this pertains, nor am I past due on ANY of my accounts and have n't been in more than seven years. After checking the internet for information regarding this company I have learned they contact consumers on debts that either do not belong to them, false debts, or on debts that are beyond the statute of limitations and attempt to " restart the clock '' on old ( passed the statute of limitations for collections ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a fraudulent account on my credit report From XXXX energy, that I have faxed police report to their fraud department Yet acct remains and hurting 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 non-monetary relief
Consumer complaint received 09-08-2017 about Vehicle loan or lease (Lease) with BRite Financial Services, Inc. (CT).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have been leasing a car since XX/XX/XXXX. Purchased from XXXX in XXXX XXXX, CT, leasing company is XXXX XXXX out of XXXX XXXX but my payments go to Brite Financial in Michigan. Part of my lease payments include my XXXX of XXXX property taxes. I found out in XXXX that the leasing company that receives the tax bill from XXXX has not been paying my property taxes since XX/XX/XXXX. They owe the taxes that were due on XX/XX/XXXX and on XX/XX/XXXX for a total amount of {$290.00}. I have  been calling Brite Financial weekly since XX/XX/XXXX to get this resolved and nothing has happened. My auto registration expires on XX/XX/XXXX and the CT Dept of Motor Vehicles wo n't let me renew my auto registration until the leasing company pays ALL of the delinquent taxes they owe on every vehicle they lease in CT. How is this fair to me who pays their taxes every week as part of my weekly lease payment? I ca n't get any resolution on this and if I ca n't renew my registration, I can not work and will become homeless. I know it 's a long shot but can you assist in anyway? Also, they have been overcharging me the tax portion of my lease payment and I have overpaid {$1400.00} to them in taxes and they wo n't refund it to me either.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Pentagon Federal Credit Union has reported incorreect information on my credit report. I was not aware of this until XX/XX/XXXX when my credit report was reviewed. I contacted Pentagon Federal Credit Union on XXXX XX/XX/XXXX. A credit card was issued to a family member in XX/XX/XXXX. The credit card has been since charged off on XX/XX/XXXX. There was a balance of {$19.00}, XXXX. Through many conversations with different Pentagon reps, I was told that I was a joint card holder. I have never authorized or signed any forms as a joint or authorized used of the credit card. I was not aware of any Pentagon credit card. ( see attachedment of authorization form ). I have been calling and attempting to result this problem for nine weeks from XX/XX/XXXX until XX/XX/XXXX. 
Pentagon has not returned any of my phone calls. 
This problem has caused a very stressfull situation and a low credit score. Several of my credit cards were closed due to this incorrect reporting. I am not responsible for the balance.

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 07/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have an account and store card with QVC and placed XXXX orders with QVC on XX/XX/2017. The order numbers are XXXX and XXXX. I logged in to the website on XX/XX/17 to track my shipment and was unable to log in, so I contacted customer service who said they would research the issue. I found out today XX/XX/17, that my account was cancelled by their corporate office because someone who used to live at my address has a past due balance with their company. The person they are referring to is not me or my spouse and does not live at my current residence, but they are refusing to allow me to use my store credit card or make any purchases with their company until this other person pays their bill. I tried to work with them and advise them that I am not legally responsible for this person but they told me that it did not matter and they would not help me. The service supervisor that I spoke to was extremely rude and did not seem to mind that it was illegal to hold me responsible for someone elses debt and refused to reopen my account so that I can use my existing credit line. I still have the open credit line with them and I am not sure what to do as they will not allow me to use it or any other method of payment.

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 05-02-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: -------this is the description of complaint and interaction with  bbb    XXXX , I will attach info I have


--- Forwarded message ----------
From: "  XXXX   XXXX  " 
Date:   XX/XX/XXXX     XXXX   XXXX  
Subject: Re: Fwd: Pnc and   XXXX   XXXX   complaints

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (KS).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage Account Reported As Installment Loan to credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with PennyMac Loan Services LLC. My payment was originally {$750.00} for a {$100000.00} 30 year fixed rate loan at a interest rate of 4.5 %. After my first year at the house I received an annual escrow account letter stating that they had calculated wrong and were putting more in my escrow account than was necessary. They gave me a refund of {$1000.00} and told me my new monthly payment would be {$650.00}. I continued to pay my loan, on-time, for the next year. Since buying my home I have never been late for a payment and always rounded up and paid more than the minimum monthly amount. I always fax the company my tax bill when I receive it to ensure they have the information they need as well as my homeowner 's insurance. I received the tax bill this year and did just that. A few months after faxing the tax bill I get a delinquent notice saying my taxes have not been paid and I owed a late fee. So I called Penny Mac and they informed me it was their error and they did n't pay it. They said they would pay the bill and the late fee and the late fee would not go towards my bill as it was their fault. Later on this year I received another annual escrow account letter from PennyMac. They informed me that there was not enough in my escrow account, that I owed them {$4000.00} and a new payment of {$800.00} a month OR they could disperse the {$4000.00} payment and I could pay {$1100.00} a month. I was shocked and called the company assuming another error had occurred. They told me that somehow they forgot to put enough in my escrow account for taxes so they paid the bill and that 's why I owed them {$4000.00} plus my payment was going up. I told them this was unacceptable, that I could not pay a {$4000.00} out of pocket and that upping my payment from {$650.00} to {$1100.00} because of their error was unacceptable. The best they could do after being completely insistent was to spread the {$4000.00} out over 24 months and my monthly payment would be {$880.00}. They then told me I should call them when I receive a tax bill, not fax it, and wait on the line for a person and confirm with them that they have the tax bill. I can not believe this company and its errors. This dramatic difference in payment could be the difference for someone being able to afford to stay in their home or not, it could affect their decision to have a child or not, to take on a roommate or not, or take a trip, go back to school, etc. This company is so error-ridden and expects you to just handle whatever bill they recalculate after their errors. I am incredibly disturbed that they handle my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This bill was paid by a XXXX insurance that I had that with that company at the time. Once they finished paying the Conn 's I received a letter that it was paid in full. However now XXXX XXXX XXXX is now calling me after I sent them this information and then called them about this are calling me non-stop at least 3 to four times a day. each day from XXXX to XXXX I get at least XXXX phone calls. This is a harassing calls I have asked them to stop but they continue to do the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I request debt validation fro m ARS   whe n I noticed it appeared on my credit reports. I never received any notification from this company, and it was showing up as a medical debt which should never be the case, because I have health insurance. I sent my initial request on   XXXX   XXXX   XXXX   They responded without providing debt validation. They provided not documentation with my signature or any paperwork showing that I agreed to this debt. I sent a follow-up notice on   XXXX   XXXX   XXXX     stating that this debt had not been properly validated and that I wanted it removed from all of my credit reports. They have not responded, nor has the collection been removed from my credit reports.

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 03-07-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Customer service / Customer relations

Complaint: My identity was stolen and I request to all my credit card to send me paper invoices after many fraudulent charges on different acts I receive charges from Synchrony Bank, for Walmart, BP gas, Sam 's Club, Chevron the Bank in mention just partial statements and if do n't pay the amount request they will report me to the credit bureau and finally they did I told the bank that Walmart was an overcharge almost {$500.00} but paid {$890.00} BP I pay amount request now they gave me credit for over {$250.00} Sam 's Club they send a paper invoice {$420.00} and late charges & interest I request invoices that proof that I owe that money, I call and email then several times without any result after receive Walmart invoices showing that they overcharge my account paid {$890.00} and closed Walmart account because there is not response from them. 
Walmart account # XXXX BP XXXX ChevronXXXX this bank act like pawn broker without regards for a consumer that is trying to improve his credit score please after my bankruptcy of 5 years and before that my payments has been XXXX on time

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX I settled 5 charge off accounts with XXXX XXXX XXXX XXXX. We are in agreement that the accounts are paid in full and paid as agreed. I have included a settlement letter from XXXX that confirms this. A 6th account was settled in XXXX XXXX, letter attached. All 6 accounts appear on the included Experian Credit Report, with red boxes marking the items described herein on pages 6-9 of the credit report. <P/>XXXX stopped reporting the payment history on each of the accounts marked in red boxes in XX/XX/XXXX, but started reporting derogatory payment history anew, when I settled the accounts. This inaccurately reflects my payment history and RE-AGES my account in violation of the FCRA because it shows a recent delinquency. <P/>The attached letter confirms these accounts are PAID AS AGREED. Thus, the derogatory payment history must be deleted in accordance in the FCRA. The new reporting of derogatory information results in a reduction in my credit score. When I paid the accounts off, instead of an increase in my score, I received a DECREASE in my score due to recent delinquencies when XXXX suddenly began reporting them. If XXXX fails to delete the payment history, its only other option is to update the entire history as derogatory beginning when the first payment was missed for each account. <P/>Additionally, XXXX continues to report 'Creditor can not locate individual ' which is false, as shows on page 9 of the Experian credit report, marked in red. XXXX has been in regular contact with me since XX/XX/XXXX, as proven by the attached letter confirming my settlements. I have twice tried to get them to remove this derogatory description using the dispute process, and each time they have 'verified ' it as accurate. This is clearly erroneous. <P/>I have contested these accounts with Experian and they received 'verification ' from XXXX that the accounts were reported accurately. As proven herein and by the attached, XXXX 's Experian reporting remains inaccurate. <P/>Having exhausted the dispute process with the Experian credit bureau, I am seeking resolution via the CFPB as a next step.

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 06/27/2015 about Mortgage (Conventional fixed mortgage) with Statebridge Company (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have written to Statebridge Compnay at least four times pointing out that they are inaccurately reporting late payment and past due information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter were dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing that they are reporting XXXX pays due on the payment status line and in the 24 month pay history ( XXXX days past due on XXXX. ) Additionally, you can see that they are also reporting different past amounts. This can not be 100 % accurate as required by FCRA.. I do n't understand how they can avoid compliance with the law. I need your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: on XX/XX/XXXX, I meant to send a billpay payment to Citibank for a credit card account, in the amount of XXXX i accidentally send them a payment for XXXX, resulting in an overpayment of {$21000.00}. I have been promised a refund as of XX/XX/XXXX and as of today, XX/XX/XXXX, i STILL have received NO refund. It has been almost 60 days since i first called in for a refund. I have called 5 additional times over that timeframe, each time escalating the lack of refund and Citibank has done NOTHING except promise me a refund within the week and giving me no refund. Twice we have spent over an hour on the phone while they insist on verifying the payment with my bank, which just wasted my time and made me even more upset. At this point i do n't believe that Citibank will give me any refund. I believe that they intend to keep the overpayment. The lack of refund is unethical and can not be legal. How can they get away with treating customers this way?

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