milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2017 about Debt collection (Mortgage debt) with C&F MORTGAGE CORPORATION (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: C & F Mortgage Corporation and/or XXXX XXXX XXXX XXXX  XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) XXXX and XXXX as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximatelyXX/XX/XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XX/XX/XXXXthe officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXXXX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX XXXX 's hereby certify by Champion Member, XXXX XXXX XXXX XXXX XXXX ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 )  The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX XXXX 's. Therefore, the XXXX XXXX XXXX XXXX XXXX 's hereby declare that C & F Mortgage Corporation and XXXX XXXX XXXX XXXX XXXX XXXX Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( XXXX ) The XXXX XXXX XXXX XXXX XXXX 's were not provided access to copies of the consent order entered by the Court in the United States v. C  & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, XXXX and XXXX  and/or XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Medical debt) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I received a letter from this collector - LINEBARGER GOGGAN BLAIR & SAMPSON LLP. Another similar collector I saw here in CFPB - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attorneys they say. So, I received a letter, telling me that I owed XXXX dollars. I may be sued. It does n't say why, where, when, or how. It says, pay or lawsuit, ridiculous. I try calling but automatically I am placed on hold for more than 30 minutes. Actually, I first waited 37 minutes. Then I waited 33 minutes. Also, the title on page says that I am receiving the letter from XXXX, CO. But it says to pay at LINEBARGER GOGGAN BLAIR & SAMPSON LLP in XXXX XXXX, TX. 
This is a collection I am sure. It is ridiculous and absurd. I HAVE MEDICAL INSURANCE, XXXX XXXX. I never received any bills for this. It was converted to collection apparently. Since I have insurance, XXXX XXXX, they 'll usually cover any fees. Apparently, a collection company is attempting to collect false billing charges, otherwise, I would have received a statement, and I would have reported that to my insurance, XXXX XXXX. More, in the letter I received, I noticed that it only has a title on top of page, Attorneys, address from where it came, and a phone to call where no one bothers to answers but it says, leave a message. Of course, the call did n't work remember. Besides that, nothing else other than, lawyers may sue unless you pay. It is a lousy tactic of course. I have insurance with XXXX XXXX, so this should never have occurred. Happy to meet you in court if you refuse to remove this bill or you refuse to contact whoever tried to make the false claim. My insurance will always pay for any medical bills, why else do I have XXXX 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 03-06-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have contacted nationstar mortgage regarding mortgage documentation and they have advised me that XXXX can provide me with documentation related to my property and its mortgage. copies of the Corporation Assignment of Deed of Trust and the origination of the Deed of Trust and Promissory Note as well as the Assignment of Deed of Trust. I would like to see all documentation related to this property and its mortgage from XXXX through XXXX. Upon Contacting XXXX for this documentation, they are now referring me back to Nationstar mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Debt collection (Mortgage) with 21ST MORTGAGE CORP. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: 21st mortgage I was behind one payment, they call upwards of 5+ times a day, ( I have caller ID records to prove it ) emails sometimes more than once everyday. They send certified letters to any address they find on the internet. They send letters not certified constantly. They call phone numbers that are n't even mine, talking to other people about my loan. I have asked them repeatedly not to call, or send letters to any other address other than the one they have on file. I have asked repeatedly for a pay off figure not to include an escrow balance. I have asked for a complete payment history, they refuse to send one. What they have sent are XXXX completely different histories, and they say that " XXXX '' has his own set of books. They are charging a negative escrow from the previous owners of the house, even though the contract says that any negative escrow will become XXXX at the point of transfer. They paid someone elses taxes with my money, and charged me for it. I have spoken with their accounting department, and they ca n't even make heads or tails to the payment ledger. We are missing at least {$600.00} in escrow payments that were collected, and not deducted from the balance. Also, they sent " men '' to our house to collect the ONE late payment, even though the property is private, and posted. I have sent in writing that they are not allowed on the property, ( The land is n't included in the loan ) and they caused major property damage, I asked for their insurance information and they refuse to give it to us.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan with ditech that has been pulling my taxes for XXXX municipalities. They have me in XXXX and XXXX county. This has been an ongoing thing for 3 years now. They keep paying XXXX even though I 'm not in XXXX. An easy look at the assessor records would show that I 'm XXXX county. I 've been calling and opening records and they still have n't fixed the problem. I 'm beyond mad about this. I 'm over paying XXXX a month if not more and they do n't seem concerned. I have to step away from work to call and I was told a bunch of times it would be taken care of. I have to admit I just sent them a snotty email about it but I 'm at the end of my rope. Please tell me how to handle this. 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
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 EQUIFAX, 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: I tried to have a have a collection company removed from my credit report which I am not responsible for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I noticed a significant drop in my credit score in XX/XX/XXXX. About 90 points in 30 days. I do not have any credit card debt, mortgage or car payments so I found this very odd. I have a small amount of student loans that are almost paid off but I only recently graduated. I looked into my credit report and noticed a {$1900.00} notice of debt collection from Amsher Collection agency collecting on a delinquent XXXX bill. ( attached below ) I have never had an account with XXXX in my life. So I called both Amsher and XXXX. XXXX told me there was no account in my name they had a record of. Amsher forwarded me to odd people asking for my personal information and SSN. I felt uncomfortable and decided to call the CFPD. They guided me to help file for fraudulent identity theft, put a freeze on my credit and told me to send a letter of validation in order to gain more on the debt. I did all of those things and also disputed the claim from my records. I sent a letter of debt validation to Amsher ( attached below ) on XX/XX/XXXX and never received a response. I also was denied by dispute on my XXXX credit report ( attached below ). I want this fraudulent activity removed from my credit. Please let me know if I can provide any additional resources. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Application processing delay

Complaint: I use to have an American Express Card and then I was a victim of ID Theft and the card was removed. I have called to ask for a card to help my credit score. It has been very hard for me with my credit and my files have been on fraud alert since XXXX with IRS . I received a copy of my XXXX report to find out I have over XXXX inquiries from American Express.I called them and they said they do not have my email.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax claimed ( for at least the third year in a row ) it could not authenticate me online when I tried retrieving my free annual report from XXXX. Attached are the verification questions they asked. The answers to ALL of them are " None of the above '' and this is how I answered. I believe Equifax is either systemically denying all requests from certain debtors for what may be discriminatory or other unlawful reasons, or to discourage requests for FACT Act disclosures in favor of their paid products. This has reached the point where I feel I must request more be done than just goad them into sending the report as they have in previous years. They must take concrete steps to resolve this issue once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Credit card () with CITIBANK, N.A. (NV).
Issue: Other fee

Complaint: Even with a XXXX balance, Macy 's Credit ( CitiGroup ) charges a {$2.00} interest free each month. They also participate in a Residual Interest scheme, so even if you pay off your balance by your due date, they will charge interest on that balance. This is not explained or adequately disclosed.

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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
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 have disputed an account called XXXX XXXX on my equifax credit report. I do n't believe this account belongs to me. I have been provided with no proof that I have contracted with them. No documents showing that I agreed to owe them money. Equifax also removed this account then added it back the next day which dramatically affected my report negatively and they did not notify me of this activity which they are required to do. I have notified equifax of this error and they still refuse to abide by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Multiple phone calls seeking a lower payment or affordable repayment options without having to defer loans due to tight finances was told every time had to pay the amount no options or way to reduce payment also not sure payments fully applied correctly

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score. THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE. This is an ABUSE of the credit reporting system and is done in retaliation by XXXX to attack customers holding balances on their account. My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY 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 03/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: ORIGINALLY I FILED WITH THE CFPB CASE # XXXX. MY RESPONSE WAS PARTIALLY ANSWERED! I appreciate that XXXX RESPONDED BUT THEY ALSO CONFIRMED TO THE CFPB THAT THE LATE PAY WAS ERONEOUS AND NOT SHOWING ON THEIR BUREAU, AND NEITHER IS XXXX!!! I am asking for TRANSUNION to Please remove the negative late pay mark against me. I HAVE ATTACHED THE DOCUMENTS TO THE ACCOUNT REFERENCING THIS LATE PAY. This is merely a stall tactic to not address my concern. Pursuant to the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other fee

Complaint: I had a Macy 's credit card. The XXXX XXXX statement showed a balance of {$72.00} and payment due date was XXXX XXXX, XXXX. On XXXX XXXX, I paid the full amount of {$72.00} and I afterward, I closed the account. Assuming everything was clear and I closed the account with zero balance and was in good order. However, in XXXX XXXX, I started getting phone call from an unrecognized number and the caller did not leave any message. I started looking into ( XXXX ) it and found out it was from a debt collector, working for Macy 's ( Citibank ). I logged in to Macy 's account and was surprise with a XXXX statement showed a {$62.00} balance. Apparently, without my knowledge, they charged me a {$2.00} interest in the XXXX statement, even though I paid the account in full ( and closed the account ) before the due date. Then they continued charging me with a few dollars every month that added up to a {$62.00} balance. I called them and asked for the explanation of the charge and the lady took my called said it ( the first {$2.00} ) was the residual interest because I carried a balance in the previous month. The rest was fees because I did not pay for it on time. Against my better judgment, I went ahead and paid the balance ( {$62.00} ) on XXXX XXXX, XXXX because I did not want to hassle and wanted the problem to go away. The problem did not go away, they charged me with another {$2.00} on XXXX XXXX. In addition, they reported to the credit report bureau that I was late in my payment ( on a closed account? ). I am going to pay the {$2.00}. However, I would like to submit a complain about Macy 's credit card ( Citibank ) 's unfair business practice.

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 12-07-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I received my Macy 's XXXX credit card statement which only showed the XXXX items I purchased for {$46.00}. I did not pay the credit card for {$46.00} which was due on XX/XX/2016 because I know I will be returning the XXXX items. I returned the XXXX items on XX/XX/2016 which was several days before the due date. 

I received my XXXX credit card statement which reflected a late fee of {$27.00} assessed for the XXXX items I returned before the due date of the credit card statement. I called Macy 's to have them reversed the {$27.00} because the XXXX items were returned several days before the due date. They keep on telling me that it 's a valid charge since returns are not considered as payment. Why would I pay for something that I know I will be returning? It was promptly returned. In my opinion, this is unfair for the consumers. Macy 's is enriching its company from late payments on return items. How many consumers have to pay {$27.00} from this unfair practice?

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a complaint to CFPB ( XXXX ) and Santander denied the allegation and were snide in their response as well, I might add. Per Santander 's letter dated XX/XX/XXXX, 'We respectfully decline to request any changes to the information provided to the credit reporting agencies '. To this I reply, " Santander, you are not at liberty to decline. It is the law that you delete the information per The Fair Credit Reporting Act and the State Attorney Generals Office of Consumer Affairs, because it is not accurate information as you purport. '' You are not truth telling when you state in your letter that you are reporting in a consistent and accurate manner to the agencies. I have attached, and have hard copies, from the three different credit bureaus to prove that you in fact have been reporting different balances and payment histories to all three agencies, to include wrong/different reporting for the month of XX/XX/XXXX. Ill regardless of my payment arrangement, that I made a payment on today, you must delete the account as I am requesting by law, as you have violated credit reporting laws, and refuse to obey and delete. '' In your letter you mention a {$100.00} difference you credited me in the total remaining balance on my settlement agreement as the reason for the credit agencies having different totals, etc. The difference you are reporting to XXXX and XXXX is a {$2700.00} difference. And the XXXX  difference in comparison to what is being reported to XXXX is $ XXXX.You Santander , suggest request that I contact the Credit reporting agencies regarding discrepancies. You contradict your earlier statement of, 'Santander is merely a furnisher of credit information, and not the agency, and has no control of the contents of credit history maintained by the agency. ' You are the original reporter and must request that they delete this inaccurate/inconsistent account from all three agencies. I did not say delete my payment arrangement, I said delete this account off my record as is your responsibility to me the consumer, per fair credit reporting laws.

Company response to consumer: Closed with explanation