milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AR).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage payment went up {$44.00} a month, called carrington mortgage. They explained that by law they have to have a cushion in my escrow account.. My mortgage was sold to them from XXXX XXXX XXXX, which on some months I was able to pay extra on my mortgage principal

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX  XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am  requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was called and offered a settlement on a debt for less then owed. I agreed to do it if they removed the collection from my credit report vs just saying it was paid. They agreed but once payment cleared they only updated it and refuse to remove it from my credit as promised. I feel it 's fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Private student loan debt) with Pathfinder Credit Services (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: False Alligation claiming that I attended a school in that they have evidence showing that I attended this school which indeed is false I live in a whole different County!!!! I have proof that I never live in that county they stating I attended school at. I have been a victim of identity theft And willing to seek legal reputation if this matter isnt drop. I never attended The XXXX school before they have been harassing me for years they call me a few years back stating I had also attended a program in XXXX XXXX Florida before im sick of being harassed by this company and want them stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2016 about Debt collection (I do not know) with Receivables Management Partners, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX continues to report XXXX collection accounts from a XXXX XXXX that are not my accounts. I contacted a number that is listed for a XXXX XXXX on the internet and was unable to confirm that there are no accounts of this nature existing due to the faulty contact.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My student loans through XXXX are showing that I am delinquent. These loans have been consolidated into a Federal loan service program. Please update this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Medical debt) with Computer Credit, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX 2017, I took my XXXX boys to their routine XXXX appointment at XXXX XXXX in XXXX, Fl. I 'm covered by two XXXX insurance companies : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have been bring my kids to XXXX XXXX for years now and have never had a problem. I 'm always told my balance before I leave which is always a XXXX dollar balance for XXXX and a XXXX dollar credit for me. However, about three months ago, I get a statement in mail stating I had a balance of XXXX dollars that is owe to them. I felt this was a mistake and due to my family and I moving to another state at the same time, I failed to follow up. I noticed about a month ago that the notices was coming to my new address which at that time I called XXXX XXXX to question them about the bill. I was informed that the rep. that would be able to help me is at lunch. I questioned, is she the only person in the billing department that can help me, I was informed that, everybody else is also at lunch. I then proceed to call my XXXX  insurance company. I talked to a rep. that informed me she would handle it because XXXX XXXX did not you the proper guidelines when submitting a claim. They are suppose to file the claim with my primary which is XXXX XXXX and XXXX XXXX first, then XXXX. She informed me that once they did that, they will pay the claim. She stated she would call them personally and talk to them about this. I actually got a call back from her stating she did talk to them and everything should be fine. However, yesterday XXXX XXXX, 2017, I get a letter in the mail from a collection agency stating that I have XXXX dollars debt that needs to be address within 30 days. I call XXXX XXXX personally and talked again to a rep. This time, the rep from XXXX informed me that he did n't see where I owed a balance, then he said wait, let me put you on hold. He got back on the phone stated he would have to call me back. I than in turn called XXXX XXXX and told the rep my issue at hand. She stated she would call them now and give me a call back. She called me back and informed me that XXXX was told again that they have to bill my primary first and told them to expedite this claim due to the fact that have not followed proper process of filing a claim. In addition, she sent them the guidelines to following a claim the proper way. I thank her and informed her I will never deal with XXXX XXXX again and I need them to send me my XXXX dollar credit because I will never use their services again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had disputed XXXX with this agency in XXXX 2014 and they proceed to delete due to inaccurate information and improper reporting. Yet recently i have found this account reporting on my file again. this accounts is outdated, inaccurate, contain incorrect dates and status ' and is not reporting correct payment history. XXXX has no place being on my file. I asked the reporting agency for proof of investigation and their results and paperwork regarding how they verified these and let them remain on my report yet i have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify these derogatory marks. They must remove it if they can not honor my request to correct them and show me how they verified it and allowed it to be reported to my file. This account is inaccurate and they are affecting my life very negatively!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: We have been receiving multiple calls daily in regards to a collection. The collection amount is incorrect and we have formally in writing disputed the charges. We have also in writing asked the debt collector to no longer call us. They have continued to call both myself and my wife in addition to non involved family members. Additionally they have verbally threatened and harassed my wife in regards to the debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX continues to report erroneous inquiries and public record information related to a closed fraud investigation in which no loss was incurred. I had written to them, under an FRCA complaint, and they stated that the information would be removed within 60 days. It has now been over 8 months and the Lost/Stolen information is still showing in my credit file under Public Records. They are in violation of the FCRA ...

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 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the following tax liens with Experian multiple times. Despite my best efforts they refuse to remove the negative accounts. The results of the investigation are that the accounts have been verified and to contact the furnisher of the information. I contacted XXXX XXXX XXXX court and they stated that they do not report to the bureaus. How can XXXX verify these accounts if the original furnisher does n't even report to them? The false reporting of these accounts is extremely damaging to my credit score and affecting my ability to obtain a mortgage. I would like them removed immediately. I have attached a copy of my credit reports reflecting the accounts in question. Below I have also listed them : XXXX XXXX XXXX XXXX : Tax Lien : XXXX Lien : XXXX Lien : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Debt collection (Medical) with United Consumers Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was the result of a visit to the XXXX and was paid by the insurance copy. However, the collection agency continue to make claims towards this debt.

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 10-11-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/16 I returned signed and notarized loan modification documents in pre-paid XXXX envelope. I reached out to my home preservation specialist via email ( which is the best method of communication that I have ), on XXXX/XXXX/16 to confirm receipt. She advised me in her emailed response the the documents were not acceptable as the signature didnt match a previous signature. I reached out to her again via email requesting a detailed explanation as to what the problem was with my signature and requested a response in writing. To date, I have not received an explanation from Wells to ensure my understanding. Instead, I received a new loan modification package requesting that I call for an explanation. I did call, per my availability and left a message as it was outside of their business hours. I received a returned call from my specialists advising that I should call her as she was unable to reply to my email. These secured emails were initiated from Wells so one would reasonably assume that if there was a problem then a simple resolution would be to start a new email chain. I have made it clear to Wells that it puts my job in jeapordy to have phone calls with them during my work day and while it seems like a viable alternative that I call on my lunch or break - that is not an option for me. I returned the new package and used a signature that included the complete spelling of my name as opposed to my first initial and last name which is the sinature I use for everything.

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 06-06-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (AZ).
Issue: Taking out the loan or lease

Complaint: American Credit Acceptance opened a fraudulent auto loan with my information. After filing a complaint with my local law enforcement, the FTC and reaching out to them to request additional information and remove the fraudulent information, they have not responded. I will be mailing a follow up letter today.

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 05/18/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I am a victim of a vicious scam. I was contacted through a freelancer website, XXXX, by a woman who offered me a job ( XXXX ). She assured me that it was a legitimate job and I only had to complete simple tasks for {$400.00} a week. A poor college student struggling to make ends meet with rent and utilities, I foolishly accepted the job. She then sent me XXXX checks, {$2800.00} each, and instructed me to deposit them and then send the money in separate transactions of {$1400.00} each via XXXX XXXX. I was totally unaware that the checks were counterfeit until my bank started closure procedures on my account without notice. When I called them, the customer representatives and Risk Department refused to revoke the decision because I am fully responsible for all transactions and since the money was already taken out, I may be held to repay the overdrawn amount of XXXX-something dollars. They told me that I made transactions on money that was n't there to begin with, but that means that I never had the money in the first place, thus I should not be held liable for it. The bank also holds responsibility for not contacting me when the checks were verified as counterfeit, but when I called and went into my local branch and told them my situation, they were unrelenting. They hide themselves behind monotonous masks of " there 's nothing we can do '' and furtively put the blame on the consumer. I am just a poor college student who fell victim to a vicious scam but now, I am the one in danger of being swamped in more debt on top of student loans and being blacklisted. At this point, I do n't even care for reimbursement. I just do n't want, and I do not need, to pay back money that was never mine to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Auto) with Retrieval-Masters Creditors Bureau, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This third party debt collector has been calling me in excess of XXXX times a day. I am currently involved in a payment plan with the original XXXX company regarding this bill. I have an XXXX and have tried multiple times to work with the bill collector previously to have this sorted out. When I answer the phone calls, the other line says " hello? Hello? '' over and over. It 's ridiculous! The number they are calling from is XXXX 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 11/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: We are awaiting response to claim # XXXX this information is readily available in your files why the delay? 

Please provide the person, persons, and/or department for a direct contact and agent/representative for XXXX XXXX XXXX XXXX XXXX the alleged creditor of the subject " note '' being " the Equity Line Agreement and Disclosure Statement ".

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 03-12-2016 about Debt collection (I do not know) with Windham Professionals, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted this company on numerous occasions asking them to validate the debt to which they have reported on my credit profile. However, I never received a response from the company. I went online and disputed the same account through the credit bureau to which they replied the account was mine. I will ask XXXX last time for a legal debt validation on this fraud account.Furthermore, in accordance with the XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX, I am asking for a copy of the contract which contractually binds me to this debt. The account # is XXXX. I have never made a debt with this company and never made a promise to pay anything regarding this company. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.

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 10/23/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NC).
Issue: Trouble during payment process

Complaint: In XXXX of XXXX, Ditech made an error and suddenly added escrow to my mortgage. I have had this mortgage for close to 12 years and have never escrowed my taxes or insurance and have always paid them independent of my mortgage. Ditech continued to charge me late fees and penalties for said escrow error they imposed on my account-additionally, they reported me to the credit bureau as having late mortgage payments which caused my credit score to drop and began sending me letters regarding financial hardship. 

I made a call to Ditech after finally realizing the error they made and that they were not taking initiative to remedy it on XXXX XXXX, XXXX and spoke to " XXXX ''. She stated she saw where they made the error and would send a code to have it taken care of. 

I followed up with a detailed letter on XXXX XXXX, XXXX, which I faxed to Ditech 's customer service department. I had also been filling out customer service requests and reporting the error through their website. I did not receive a response to any of my complaints or requests to be contacted. 

I have had to call Ditech multiple times to simply get them to remove the escrow and late fees as well as negative credit reporting. 

On one occasion, I called and spoke to a manager, XXXX, who assured me they had taken care of the problem and great news that I had overpaid and would be soon getting back a refund. Upon receiving the refund, I was then told that there was now a back due escrow balance for the same amount they refunded me! 

As of today, XXXX XXXX, XXXX, they have still not resolved the problem after telling me it was resolved. They are now holding my mortgage payments in " Funds in Suspense '' and not applying them to my mortgage and reporting that I have not paid for the months of XXXX and XXXX I feel that I should not have to fight for months to get an error caused by the mortgage company resolved. They continue making error after error and are causing me a lot of stress and time in having to constantly check behind everything they do. I wonder if anyone else has had the same issue and what benefit would it have for the mortgage company to do this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I did NOT authorize all these charges to my credit card. Please REMOVE this XXXX from my credit card. I DO NOT want this service. There are XXXX charges which should be credited to my Credit Card. Thank you, JC Penney Card Holder.

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