milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was recently made aware of a current lawsuit against a collection company known as EOS CCA located in XXXX, MA. They currently have an open account from XXXX XXXX XXXX as of XXXX XXXX, XXXX for a balance of {$220.00} established in XXXX. I have in the past disputed this account and then eventually paid it in XXXX. Of course that was with a different bank account I had back then with no proof of payment. I have yet to receive any communication from this collection company or an option to dispute. This continuously keeps attacking my credit. Any advice or help would be appreciated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit card () with DISCOVER BANK (NY).
Issue: Billing statement

Complaint: On XXXX XXXX, 2016 Discover Credit Card received and acknowledged receipt of {$1100.00} total balance payment for my credit card account which card 's identification number I changed after I complained about XXXX fraudulent charge made to my account which have since been credited to my account. However, my account balance payment of {$1100.00} has not been credited to my current account and past due charges have been levied on my account # XXXX : {$27.00} and XXXX. Here is a copy of my current account status and balance : XXXX. Take notice that my current balance does not account for my payment of {$1100.00} received by Discover Credit on XXXX XXXX, 2016. I have called Discover customer service on XXXX XXXX and again on XXXX XXXX, 2016 and was told that they would investigate but did not assure me I would be credited the payment I made to the same account which I had requested due to the XXXX fraudulent changes to my account which they acknowledge. 
All parties I spoke with including the fraud department were indifferent to my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ZWICKER & ASSOCIATES (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collection firm, Zwicker & Associates, PC called at my place of business at odd hours, harassing me about an alleged debt. 

I spoke with XXXX XXXX XXXX XXXX who claimed to work for Zwicker & Associates and I had asked him to provide me with the proof of the alleged debt from XXXX XXXX to be sent to me by XXXX, which was never received. 

On XXXX XXXX, 2016 I responded to a message left with my answering service and called the number XXXX and asked to speak with XXXX XXXX. 

The company switchboard answered and did not recognize his named I am concerned about the harassment from this debt collector and their communication tactics as well as their misrepresentation about an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In 2001 my school closed 3 months into a 9 month program. They failed to provide proper required info to the state of Oregon. The loan was through XXXX XXXX and paid full tuition to the school ( XXXX XXXX XXXX ) up front plus 9mos of a cost of living stipend. OR repaid XXXX XXXX {$6000.00} through their tuition protection program but XXXX XXXX ( now Navient ) still holds me responsible for the remaining money including the 6mos of stipend that I never received. OR has inaccurate dates of the school closing resulting in Navient insisting that I received the education that was paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I went to TD bank at XXXX XXXX XXXX, XXXX, NY XXXX planning to open a checking account. The associate that assisted me, XXXX, put the wrong address and e-mail in the system while assisting me to open a convenient checking account. Since the information she put in was incorrect I requested her to edit the information she put in. She refused to correct the information she typed in and forced me to sign the documents. So, I refused to sign the documents since she put in the wrong address and email. The whole process was frustrated and waste of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX, and my Spouse is XXXX XXXX, who is not on the Mortgage, but is a contributor to our living expenses. We were both forced into retirement because of XXXX condition, and would have applied for a Reverse Mortgage, however, we are upside down on the Mortgage. 
We applied for a XXXX Modification with our Lender, Ditech and we were told in a letter dated XXXX XXXX, 2015, that we are making too much money and there are no hardship, simply because we have been using our savings to remain current. DITECH use a technique, to 'GROSS UP '' our Social Security Income of {$1600.00} to {$2000.00} making us unqualified. 
We we questioned this technique, they said in another letter, that XXXX XXXX is the owner and because we are in a Loan Modification, XXXX XXXX will not honor another Loan Modification. 
We obtained our Loan from XXXX Bank, a predatory lender in a XXXX package using the Second Mortgage as a down payment and a 5 year Hybrid Adjustable Mortgage, and a search of our records does not show that the Loan was transferred to Ditech according to the Respa Laws of Florida. 
We have requested that Ditech produced records of the Loan Modification that they are saying we have, also produce the Transfer Assignment of the Loan to Ditech. To date we have not received any response. 
We have also contacted XXXX XXXX to produce the record of a Loan Modification, and have not heard anything as of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 disputed an item to be removed ; being   XXXX   removed item from my report as a result of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (Other mortgage) with HABITAT FOR HUMANITY INTERNATIONAL, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: As was stated on XX/XX/2016, by XXXX. ( president of the XXXX Habitat for Humanity ) XXXX Regardless I had gotten behind on my mortgage payments! 
XX/XX/2016 I purchased XXXX money orders in the amount of {$380.00} each and XXXX more on XX/XX/2016 for {$380.00} each, giving a grand total o {$2300.00} plus as of XXXX XXXX there has been a balance of {$380.00} just sitting in my suspense account!. 
On XX/XX/2016 I purchased XXXX more money orders in the amount of {$380.00} totaling : {$3400.00} As of XX/XX/2016 according to XXXX XXXX XXXX, escrow department, there has only been 1 payment posted to my account for {$510.00} with a past due balance of {$3800.00} and a {$440.00} in my suspense account! 
Late payments to mult financial were withdrawn XX/XX/2016. {$20.00} XX/XX/2016. {$10.00} XX/XX/2016. {$80.00} Total : {$110.00} But I was only late 8 months late yet you 've withdrawn {$110.00} When it should 've only been XXXX! They should 've put that money towards my payments and waited for there late payments, multi-financial is just as much at fault as I am and the people of XXXX habitat that are pulling the strings, I spoke with Multifinancial services and they are blaming my lender ( " XXXX '' ) " XXXX Habitat for Humanity '' ( XXXX XXXX ( XXXX ) XXXX the new president and the treasurer XXXX XXXX ( XXXX ) XXXX and the previous president XXXX XXXX at ( XXXX ) XXXX. They sent certified papers to my " old '' p o box to inform me of the progression and accused me of refusing the letter, when in fact they knew I no longer had that p o box, why did n't they send it to my home address also? I can tell you why cause they were trying to hide it and kick me out of my home that I 've paid for, for 10 years! No forebearance, no explanation, no help from my lender " XXXX '' at all, I could n't even get anybody to talk to me for 2 months from habitat nor Multifinancial services, and I think this is bad business, something needs to happen to change this, please help?? Now it 's up for foreclosure, set to auction on XX/XX/2016, which is also my birthday and they know it, really there 's 365 days in a year, they are doing this to hurt me more! Spiteful

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 received notification on   XXXX    XXXX  2017 that an account from   XXXX   XXXX   XXXX   was removed from my credit reports and was then added back on  XXXX   XXXX , 2017. The FCRA requires If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. I was never provided any notification directly from the CRA 's prior to this debt being reinserted into my credit file.

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 09-11-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (GA).
Issue: Trouble during payment process

Complaint: I had a mortgage with XXXXXXXX XXXX XXXXXXXX, Loan #  XXXX. 
XXXX sold the mortgage to LoanCare, Loan # XXXX as of XX/XX/XXXX. 
I never missed any payments. XXXX was always paid on time and LoanCare was always paid on time. 

The loan closing with XXXX in XX/XX/XXXX was a mess. They overpaid some of the credit cards and other required payments and I was required to bring several hundred dollars to the closing. When my Wife and I took this additional cash to closing, they were not there. They sent me to the wrong closing attorney in Downtown XXXX. They had to reschedule another attorney to come to my home. Plus that I was getting refund checks for months from all of the miscalculations on the closing statements. 

And there is more. The appraisal was totally wrong. They valued the first floor of the house as uninhabitable. This is just plain weird. The first floor as originally built, with central air/heat, with a full bathroom, with a fireplace was not counted in the total floor space. The appraisal included only one of the two bathrooms and two of the three bedrooms. This appraisal was so messed up that it will be the subject of another complaint. The only reason that it is discussed here is because I had to re-do this mortgage. My wife and I just put XXXX kids through college and we were working out of the 8 % charged by the Dept. of Ed. 

So here is the complaint. When I refinanced this mortgage there was a tax lien. Somewhere between XXXX and LoanCare, nobody paid the property tax for XXXX County. Both mortgage companies require escrow. I would not have know about this if not for the re-fi. My assumption was that the property taxes were paid from escrow. 

LoanCare did send me a check for {$1000.00} in XX/XX/XXXX. And I did n't put it together with the property tax that was due in XX/XX/XXXX for the approx amount of {$1500.00}, ( amt paid XX/XX/XXXX ) or the adjustment needed for the City tax of {$300.00}. So ... ..maybe I should have looked a little harder. But at the time I just though it was another screw-up. I was well conditioned to accept a low standard of service. 

So, I do n't know what this cost me. I have attached the closing statement from my new mortgage company, XXXX,, which shows the cost of settling the tax lien at {$1800.00}. I do n't know how this reconciles with the {$1000.00} returned to me in XX/XX/XXXX or the actual cost of the XX/XX/XXXX XXXX County property tax of approx. {$1500.00}. I believe that the {$300.00} of City tax was paid. And I do n't know what the cost is of having a lien on my credit report and what that costs for the APR on my new mortgage. 

But I do know that there were additional cash expenses for XXXX to clear this lien in able for me to close my new loan.

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 06/14/2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Delinquent account

Complaint: I had a Home Depot Credit card it gets reported as THD/CBNA. The account was closed XX/XX/XXXX. My ex-wife at the time decided to consolidate our debt and reached out to XXXX XXXX XXXX XXXX. Our accounts were then taken over by green path and essentially " closed out '' XXXX XXXX made monthly payments to all of our accounts via funds that were automatically taken from both my checking account as well as my ex-wife 's checking account. At that point we assumed we had nothing to worry about. We received monthly statements of accounts being paid etc..I am now in the process of refinancing my home etc.. and it has come to my attention that the THD/CBNA account is reporting XXXX months of missed and or late payments of XXXX, XXXX, XXXX + days. This is impossible and it should n't even be on my report at all. The account was closed and payments were then made from XXXX XXXX from XXXX XXXX until XXXX XXXX. This has got to be cleared up as it is negatively effecting my life right now and my credibility. I need THD/CBNA to admit they are incorrect and report to the agencies that there are no delinquencies to be reported. I am going to attach XXXX documents. The Welcome letter to XXXX XXXX which has my account number, the letter showing the THD/CBNA ( Home Depot account being paid off in full in XXXX XXXX and the spreadsheet provided by XXXX XXXX that shows each payment made since XXXX XXXX to the Home Depot ( THD/CBNA ) account. The account number and tracking numbers are all on the sheet they provided. Please help me get this cleared up. it is fraudulent reporting on the bank 's part and it is damaging my credit. Thank you for your assistance with this. I tried to reach out to XXXX last year to dispute this but it has to be done with THD/CBNA apparently and I want to make sure it is handled by a professional which is why I am reaching out to you.

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 09-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: The loan company Navient has repeatedly harassed me on the phone. At one point, they took too much from my account which then had to be closed down due to overdrawn by the lender. They have taken all of my and husband 's tax deduction and my child tax deduction for years and yet, they claim I still owe but refuse to tell me how much we 've paid them and how much if any, is left to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: At this point I do not know who to hold responsible ; however, I 've worked extremely hard build my credit. My hard work only means something to me and not to the companies that I 've allowed to retain my earnings. I 'm upset and I 'll continue to escalate and complain until change is made with the unregulated credit reporting agencies. People who file bankruptcy have more of a fighting chance for additional credit than someone who 's spent the last few years making on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Reverse mortgage) with RESMAC, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX I sent in a loan application to Resmac Mortgage for a reverse mortgage. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl branch was the contact. i provided everything electronically. and called for updates several times. I never heard back and never got a Good Faith or any disclosure of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a response to Experian 's response, which did not address my complaint, to a Consumer Finance rep over the phone on XXXX XXXX but I could find my response online, it was not available. I called Consumer Finance to inform them it was not there and I was told it was and they would mail my response to me. I received it today and my response on XXXX XXXX is still not included. The only items showing XXXX XXXX is your automated Consumer Finance response at XXXX and the same automated response again at XXXX, your auto Consumer Finance response shows twice. Mine is not there. Was my response that i gave over the phone to your rep n XXXX XXXX not recorded and posted, please? 
Thank you.

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 05-02-2016 about Debt collection (I do not know) with Sortis Financial, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Back in 2011 I had a foreclosure on a condominium by XXXX XXXX XXXX. Around XXXX or XXXX 2011 during the great recession. I believe my personal information was sold or traded illegally to third party debt collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company Diversified Consultants has called me non stop everyday and night and they have a collections mark on my credit, they are claiming I owe them an amount of {$420.00} when Ive never done business with them, and have no agreements nor acceptance to any relationships with them. I had the amount of {$420.00} paid off with the original company XXXX XXXX in which they claim I owe. This collections or derogatory mark they have placed on my credit is a false accusation. I will upload receipts to show proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (MO).
Issue: Taking out the loan or lease

Complaint: I took out a loan with XXXX XXXX in XXXX of XXXX for {$2500.00}. My interest rate was set at 138.85 % with monthly payments of {$290.00}. After making 2 years worth of payments, over {$7000.00}, I finally submitted a complaint. My loan was moved from XXXX XXXX to CashCall to XXXX XXXX where they offered to reduce my interest rate to 20 % with a monthly payment of {$110.00} around XXXX of XXXX. It is now XXXX XXXX and my loan has been moved back to CashCall. After doing some research, I found out that in XXXX of XXXX, our Attorney General ( MO ) sued XXXX XXXX controlled by XXXX XXXX and this operation is prohibited from making or collecting on any loans in Missouri. The lawsuit also cancels existing loan balances for Missouri borrowers but I am still receiving notices that my monthly payment is due and will be extracted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Medical) with TekCollect Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Reported the same debt XXXX on my credit report. I satisfied debt, paid in full. They removed XXXX but failed to remove the duplicate error they caused. They are aware of their error and I have emails with them acknowledging that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX ACCT. # XXXXMIDLAND FUNDING- ACCT. # XXXXThese are the XXXX debts that are also showing up on my acct. i need to know why they are there and the amount owed is so high

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a chapter XXXX bankruptcy in XX/XX/2015 which was switched over to a chapter XXXX in XX/XX/2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the XXXX. It is hurting my ability to recieve any type of loan or anything of that sort.

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 12-07-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Medical debt) with BYL Collection Services (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: According to Tennessee state licensure verification, XXXX XXXX is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of improving my credit. Original request for verification was sent certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation