milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC ().
Issue: Application, originator, mortgage broker

Complaint: Issue # 1 LoanCare just acquired this loan from XXXX They never send me any mail information to my address I had with XXXX. 
However, my payment was on auto pay with XXXX and never had no issue with them. 
since Loancare acquired I been having some many issues. 
loancare purchase my loan and with in the first 2 months they report me late 60 days then went ahead and called, spoke to a rep some many time and some email I send them they will not give me wherever information they have about me in they system I went ahead instead I give them my information that I give to XXXX. 
I gave my credit card information to set up auto pay and pay the 60 days " late '' i asked the costumer representative many time to make sure this will not impact my credit score she said " no you are not late yet '' gave my credit card information to pay new account with loancare Charged for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
However, LoanCare reported my mortgage 60 days delinquent. 
I called LoanCare and was told to send this email in order to have this mistake corrected they refused to fix my credit report. 
Please help correct this error right away as i need my credit score accurate in order to finance a car. 
Issue Number # 2 Loancare REFUSES to pay For my insurances for the property. 
Property has XXXX units XXXX different property address with the same parcel number. 
I also talke to them many times and they keep saying we are sorry we only purchase XXXX unit and that what we are unsurance. the property is XXXX unit and XXXX units attached they will not pay for the insurance of the XXXX units attached. 
the Property has been with out insurance for the past 8 months. 
Thank you for your attention to this urgent matter,

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The last month of XXXX I requested to investigate an accounts that appeared reported in my credit reports of which even XXXX XXXX XXXX # XXXX that I do not belong with a balance in lost that the agency of collections of XXXX XXXX # XXXX is collecting the balance of $ {XXXX} that does not belong to me. Although I have requested that the debt be validated and the debt be written in writing that, according to them, belongs to me and I have not yet received an answer from them. 

On XXXX XXXX, I request the debt be validated again and I have not yet received a response from you. 

I have never had accounts with them and I need to verify and do not mix any information from another person in my creidito reports. 

There were also some accounts with XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX that were removed from my credit reports through satisfactory management with these creditors who could identify the error. Not having the same results with XXXX XXXX XXXX and 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 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX continues to sell to collection agencies Been 15 years since I had dealings with XXXX not my debt opened by someone else keep trying to collect removed 2 years ago now back active on my credit when checked ....

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 03-01-2017 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Looking at my credit report there is a loan I did not get.I called XXXX XXXX corporate office, talked to a XXXX and a supervisor after much investigating they could not find anything with my social or name.They asked me to call Midwest Recovery the collector, The woman XXXX was very rude, when I told her my situation she said XXXX would not have my information cause the loan was sold.I asked when and where the loan was taken out she said XXXX XXXX my well I have never been there, after several attempts of going back and forth XXXX XXXX advised me to file with 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 06/25/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: I just want to let you know that I never had an American Express card. I want it off my XXXX report because it should have never been there.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Auto) with CCS Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Collection Services has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Medical) with Collectech Diversified, Inc. (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: CDI of XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX sent a collection notice to XXXX XXXX on XXXX/XXXX/2015 for alleged unpaid medical payments. This notice was void of any mandatory FDCPA language on the notice. Furthermore, not only is the alleged debt over 7 years old ( SOL in TX is 4 years ) but more disturbing XXXX XXXX has been dead for over 2 years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 06/16/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other service issues

Complaint: On XXXX I transferred money over the internet using my credit via Western Union ( WU ). 
The recipient 's destination country was the XXXX of XXXX and XXXX XXXX XXXX XXXX. Total transfer was XXXX {$300.00} and the related transfer fee was XXXX {$8.00}. 
Today, XXXX ( less than 2 months later ), I attempted to repeat the transaction. The associated fee is now XXXX {$27.00} ( almost a 400 % increase. ) I reached out to customer service ( CS ). While on hold the hold-music reiterated the {$8.00} fee for XXXX, XXXX XXXX and the XXXX. Various agents in CS referred me to Corporate Headquarters ( XXXX XXXX ) who is checking XXXX. 
Unfortunately, WU may be providing false advertising and manipulating prices unfairly. Can you check into this and advise? 
Thanks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX m : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Medical) with Universal Recovery Corporation (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am trying to make good on my payment with Universal Recovery XXXX, and I called them to pay the debt but I requested that I would like to make good on my debt IF, they would take my debt off, and clear my account so that it does not show up on my credit report anymore. Universal XXXX told me that they would not be willing to guarantee that. I asked them " why would anyone want to may the debt if it is not going to positively or accurately be displayed on their credit. Here I am trying to pay my debt. I also tried asking them if they would be able to mail me a letter stating that upon receipt of payment, we will take off the debt collection. They would not do that. What do I do?????

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: The Service company for my mortgage has repeatedly audited my escrow determining shortages two years in a row and will not provide documentation to explain the shortages. They do not return phone calls and emails. Fay Servicing keeps changing the account representatives. Managers do not return phone calls or emails. Twice I have been put into forced-place flood insurance when they did not renew with the provider and it has resulted in my payments nearly doubling. Because the property tax and insurance is paid from impound escrow holds, I do n't even get to see when and where these payments are made. I have asked to stop impounding for these payments and they refuse. My original loan with XXXX has been sold once or twice and the servicing company has also changed. I have never had any problems with the previous service company ( XXXX ), but I continue to have issues with Fay Servicing. I have asked them for the name of the previous flood insurance provider so I can switch the insurance back to that company from the forced-place and they refuse to provide the name. I have also requested the name and contact person for the note holder and they also refuse to provide that information. I have been hospitalized multiple times in the past few years and the XXXX Fay Servicing causes me is overwhelming. During the past two years after Fay Servicing has claimed shortages and my monthly payments have increased, I requested information to determine why there are shortages and they refuse to provide me the answers. I do n't even get a call back or response until I hold back making the payment. Once the payment is deemed to be late, only then do I get any response. Instead of getting me the detail I request, they have harassed me with multiple calls and correspondences and add late fees. This company does not work in good faith or with any sort of professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LENDMARK FINANCIAL SERVICES (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Lendmark Financial is a corrupt company. They have change a bogus loan amount on my credit report more than 5 times, took me to court in both XXXX XXXX and XXXX XXXX XXXX XXXX, marked my credit report as sold then said it was n't and most recently added a bogus amount to my credit report again after it 's been disputed and marked as sold to a collection agency. 

They have attempted to collect money that I do not owe them for the final time. I will obtain a lawyer because they sued me twice for the same bogus loan in the same state just XXXX different counties. They also reported that I opened up this fraudulent loan on a Sunday, XXXX/XXXX/2013, which I did n't and I would remember that because it 's the day before my Birthday, and they are not even open on weekends. They are not only attempting to get what I do n't owe them but are even reporting incorrectly and but pursuing illegally by suing me twice for something I do n't owe them. 

My wife and I are currently in the market to purchase a home, this stunt of adding a debt onto my credit could severely hurt our chances of doing that and I 'm livid! I 've had enough of creditors being able to do what they want, when they want and we are to just take it because they say we owe them? 

I am suppose to be protected from double prosecution, I 'm suppose to be protected through the FCRA and the FDCPA. I ex cerise my right as a consumer to apply these laws to my case and I want this fraudulent account removed from my credit report immediately or I will sue for Fraudulent Credit Damages, Violation of the FCRA and the FDCPA and also for suing me twice the the same fraudulent account.

Company response to consumer: Closed
Consumer complaint received 08-11-2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Closing on a mortgage

Complaint: Since XXXX of 2017 I have trying to re finance with Nationstar Mortgage. Loan # XXXX. I have repeatedly sent and resent the information that they have requested. The answers that I get are we are working on it. The contact person at Nationstar is XXXX XXXX phone # XXXX. This is now into the 8th month. Please help XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Since consolidating student loans XX/XX/2001, I have consistently been mislead by Navient. I currently have 2 consolidation loans with them. These are my complaints.
1 ) Navient has failed to correctly apply my payments and extra payments to my account. While stating that I would be able to skip payments if I preferred, they falsely set my loan repayment counter to zero So I had to start over in repayment phase. 
2 ) poor customer service and misleading information which lead to a bad outcome. This has set me back and caused me distress.
3 ) Navient automatically put me on 30 year payment plan without consulting me to maximize interest.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with WELLS FARGO & COMPANY (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 've disputed this account with all XXXX credit bureaus multiple times to no avail. Every time it comes back verified as being accurate when its inaccurate. Wells Fargo Dealer Services has re-aged this debt and listed the close date as being XX/XX/XXXX when it really should be XX/XX/XXXX. This is a blatant violation of the FDCPA and FCRA. Because of this I 'm not able to purchase a home because it appears that I recently defaulted on a loan that is really almost three years old.

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 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: From about XX/XX/XXXX when I notified Discovery Bank that I am calming XXXX on their payment protection plan they have tried to take more money out of my bank then I authorized. I would authorize a {$100.00} payment on each of my card to them, they would try to take from {$100000.00} to {$10000.00}! then would charge my cards with that amount as if it was a transfer to my bank! I would call them they would say " computer error we fix ''! they did not fix the " computer error. They even got {$5000.00} from one of my other credit cards that I did not authorize. Seems that Discover has been sued a number of time for stealing for consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX of XXXX I opened a retail credit line with JC Penny through Synchrony Bank. for 2 years and 6 months straight i never missed a payment. On XXXX of XX/XX/XXXXsomebody used my identity and maxed out my credit card with JC Penny ( {$1300.00} ) I called Synchrony Bank to dispute the charges made and was told by the fraud representative that the investigation was successful and after investigation I had not made those charges. After 3 months of back and forth calling to remove the balance of the successful dispute Synchrony Bank sold the account to a collections agency named XXXX XXXX XXXX. This company has repeatedly called me at all hours of the day harassing me to pay a debt that is not mine. I changed my phone number 2 times and still they somehow find out my phone number and call me. I have told them multiple times that this is not my debt and they do not listen. I have disputed this charge on all XXXX credit bureaus with no end results. This account is listed on all XXXX of my credit reports as a JCP Charge off reporting negatively even after I was told that it was taken care of. I 'm tired of being harassed over this when i never made the charges to begin with.

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 10-08-2015 about Student loan (Non-federal student loan) with EOS Holdings, Inc. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Collection Agency claims that I signed a Loan Document electronically for a Private Student Loan thru XXXX College. The loan was supposedly electronically signed on XXXX/XXXX/2006. However, I didnt sign any enrollment papers for XXXX XXXX until XXXX/XXXX/2006.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (WY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I requested a credit line increase online, and never once did it say that they would be doing a soft inquiry on my credit report, yet alone a hard inquiry that would stay on my credit report for two years. I requested the increase on Sunday XX/XX/XXXX through their website. I tried to call the company on Monday XX/XX/XXXX and they were very dismissive and just said that it was in the credit card disclosures that they would have a hard inquiry pulled, which I am only assuming is buried on their website somewhere, not on the actual page that you request the credit line increase on. 
the company is as follows : Brclysbankde XXXX, DE XXXX ( XXXX ) XXXX I work for XXXX XXXX and it was very clear in our training on credit cards and loans that to adhere do the FCRA, that this needed to be information that was passed along to the customer : that there would be a hard inquiry on their credit report so that their credit information could be obtained to be reviewed. I never saw anything even suggesting that my credit report would be pulled, I thought I was just going to be approved for the credit line increase based on having a good history with the company. 

It seems like they were hiding this information on their website and not making it very clear as to how the credit report would have a hard inquiry on it. I would like for the hard inquiry to be removed from my credit report as soon as possible

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 07-03-2017 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Struggling to pay mortgage

Complaint: I have a loan with Flagstar Bank for my mortgage. I did make payment on my property taxes and for my flood insurance for XX/XX/XXXX. I paid {$5300.00} for property taxes. Flagstar paid the taxes at the same time as I did. They are now increasing my monthly payments from {$880.00} to {$1700.00} a month. It is an extraordinary jump. Furthermore, I am a single mom, and I frankly can not afford this. I need to be contacted immediately to see how I can rectify this. This is payment, effective as of XX/XX/XXXX. Please contact Flagstar at 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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Bliksum, LLC (CA).
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 began the dispute with XXXX XXXX beginning in XX/XX/XXXX and believe the reporting is inaccurate and in violation of consumer protection law. Specifically the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In the beginning of 2016 my escrow balance was up, I was out of the country and did n't receive notification then in XXXX I did pay at time, the same amount of money of every month, in XXXX I received a statement that my payment was n't applied and my fee for late payment was {$190.00} This is a predatory and unjust way to make business and going against the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Mortgage (VA mortgage) with MONEY SOURCE, THE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company has not paid my property taxes for the 2016 year. I am almost 2 months delinquent for this issue. I have made multiple attempts to find an answer on why my property taxes have not been paid by speaking to their tax and customer service departments. Both departments have no idea on why and are giving me the run around. I was told I would get a phone call back to update me on the status 2 weeks later I am still waiting for the phone call. I do not want to pay the penalties incurred for the late payments.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my 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