milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir, I am writing to you because I have been over charged by SLS. I have tried to solve the problem directly with SLS and they are intentionally refusing to solve my problem I am demanding that they fix the following incorrect charges immediately. 
1. I should have not been charged for attorney fees for late payments due to California Homeowners Bill of Rights. 
" Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the Foreclosure process is essentially paused until the complete application has been fully reviewed. '' I sent the last completed loan Modification application to XXXX my previous servicer on XXXX/XXXX/XXXX. In XXXX XXXX I was notified that loan modification was transferred to SLS. I was contacted by SLS in XXXX XXXX they required for an updated XXXX. 
SLS denied my modification citing that my loan was not owned by XXXX XXXX saying my loan is owned by a private investor which does not participate in modification. I sent a dispute letter and proved that in fact my loan is owned by XXXX XXXX. EXHIBIT -A- I applied for assistance from Keep your home California they paid SLS {$20000.00} on XXXX XXXX, XXXX to reinstate my loan back to the original agreement. I signed a XXXX deed of Trust for this amount which was filed in XXXX XXXX County Recorder 's Office Doc # XXXX. It was my understanding that {$20000.00} will cover my mortgage payment from XXXX. My direct payment to SLS should have been commencing XXXX/XXXX/XXXX, however they send me a statement for XXXX XXXX, XXXX which I paid on XXXX XXXX, XXXX. I have been over charges and I am requesting my over payment to be applied to my XXXX XXXX Payment. 


Balance Owed Date Principle Interest Escrow Total XXXX/XXXX/XXXX {$440.00} {$460.00} XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX 3 % {$1400.00} XXXX/XXXX/XXXX {$390.00} XXXX XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} Total {$19000.00} Payments XXXX/XXXX/XXXX Keep your Home California {$20000.00} XXXX/XXXX/XXXX XXXX XXXX {$1600.00} Total {$21000.00} Over Payment should be applied to XXXX XXXX Payment {$1800.00} I am asking you to review and correct my payment accordingly 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 explanation
Consumer complaint received 06/20/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This is getting ridiculous. Equifax sent a correspondence claiming to have concluded the investigation for my dispute against the said debt purported by XXXX XXXX as valid. I have submitted copies of all my letters to XXXX initiating billing disputes. XXXX XXXX has violated the Fair Credit Billing Act. At best, this matter boils down to a billing dispute initiated by me before voluntarily canceling my service. XXXX has yet to acknowledge my billing dispute and just keeps sending me unaltered copies of the final bill. It 's like I 'm " talking to a brick wall. '' This is willful ignorance. I use plain, straightforward language in my correspondence, and I 've submitted it to Equifax, XXXX and XXXX. XXXX XXXX has unlawfully reported this account intending to affect my credit rating and willfully reported me as delinquent. This is grossly inaccurate. I have submitted a request for full disclosure of the investigative process carried out by Equifax to verify said debt, and sent a copy of the letter to XXXX XXXX corporate headquarters in New Jersey. I have filed an FTC complaint against XXXX XXXX. 
XXXX XXXX has committed several violations of the FCBA and FCRA, including but not limited to, threatening my credit rating, reporting me as delinquent, willfully failing to acknowledge my billing dispute, failing to apply/post credits, charges for goods and services you did n't accept or that were n't delivered as agreed, and unauthorized charges for data when I only agreed to start service under the promise of an unlimited data flat rate plan for XXXX phone line. Equifax has equally violated laws protecting against that to which I 've been subjected because they have failed to decide this matter according to law. My documents clearly show that I have initiated my billing disputes timely and properly. The mere submission of a bill statement from XXXX is legally insufficient as peremptory evidence that the XXXX account balance is accurate. That just gross bias. My documentation is not being taken seriously. My complaints are not being taken seriously and meanwhile XXXX XXXX is still wrongfully report me as delinquent and has never even so much as acknowledged my billing dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had my accounts in deferment and then forbearance before refinancing them to XXXX XXXX then turned naviennt solutions reported to all credit bereaus that XX/XX/XXXX to XX/XX/XXXX my student loans were XXXX days late. For XXXX those do n't even equal XXXX days late and I was in forbearance and then deferment and then refinanced them to XXXX so nothing should be showing late on any of these student loans with XXXX which is now naviennt solutions. I want this fixed asap

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had an account with XXXX at XXXX address. When I moved to another address I learned that comcast was not available for that address which forced me to incur a early termination fee of {$160.00}. After to trips to a XXXX and call with customer service I was assured the {$160.00} would be credited. Now I have received a collection notice from XXXX. I do not know what to do at this time. They have threatened to add this to my credit report if not paid. I also have a {$60.00} charge from XXXX that was paid back in 2014 but not applied to my account and I 'm being ahrrased tp pay that amount too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I recently the copy of my credit report sent to me by your company and found that you are reporting the below account incorrectly. Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information on all reports they hold in their possession. When I tried disputing via mail, I received a letter from your company that my written dispute was suspicious/frivolous. The FCRA also states that I have the right to dispute information that is not accurate, a right your company is denying me by claiming my letters of dispute are frivolous or suspicious. 
I have been disputing the below accounts for over a year. And within this time your company has been unable to provide me with the necessary information to prove that the below accounts belong to me. All your company ever do is open investigation after investigation with no end result. Finally in XXXX of 2017 the below accounts were removed as they were found to not be mine. 
I have since learned that your company has improperly re-inserted the below accounts on my report. According to FCRA rules, your company can not re-insert derogatory information on a credit report without first notifying me in writing, which it failed to do. The Fair Credit Reporting Act, 15 U.S.C. 1681 ( i ) ( ( ii ), states : Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion of, if authorized by the consumer for that purpose, by any other means available to the agency. 
Your company has never notified me in writing of this re-insertion within 5 days, therefore, pursuant to the Fair Credit Reporting Act, this alleged account needs to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with A.R.M. Solutions, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: A.R.M. representative called my boss at home and yelled at her, threatened to " ruin '' her personal credit for an office debt that we do not consider to be a valid debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Constantly calling regarding an account I have n't been contacted about since I closed the account. Saying I still owe money and when I asked for a copy of the bill, refused to send it multiple times and then it finally came in the mail. This is a bill from over 4 years ago that I know I had paid and closed after looking over the information. The calls stopped for about a month until today when the supervisor was getting very hostile and basically stating in simpler terms that I 'm being lazy and not wanting to pay the bill all because I 'm not giving them my card information over the phone considering I 've had my information stolen before from a previous card of mine. I 'm sure I 'm not the only person who has had this similar issue with this company. They 're very unprofessional and rude. Coming from a person with a business degree, that 's the perfect example of bad business and is liable for that company to not receive anything due to their attitudes.

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 09-01-2017 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MA).
Issue: Struggling to pay mortgage

Complaint: I filed for a loan Modification several times with Flagstar bank. It seems as every time i 've filed they would string me along, requesting Information that does not exist, and after pleading with them time and time again about the non existing Information, they would Deny my Application.
I do n't have Money to Hire a Lawyer to help me. I recently had to File Bankruptcy to stop the Bank from selling my Home. 


Please Help!!!!!!!!!

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 04/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: GreenTree Servicing has refused to offer Loan Modification on our second mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?
Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under 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 non-monetary relief
Consumer complaint received 07/27/2017 about Debt collection (Medical debt) with Fresno Credit Bureau (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My doctor ordered XXXX XXXX which may have been performed by XXXX XXXX XXXX but for which I have not received any XXXX XXXX detailing results and XXXX performed. I have contacted other labs in the XXXX XXXX area which indicate that the amounts charged are higher than competitive labs in the XXXX XXXX area, and despite my written request for lab report I still have not received said lab report. The lateness of the report means that I was NOT able to take effective action to reduce my XXXX before it became chronic so XXXX XXXX XXXX endangered my health by their lack of action. Additionally while trying to reconcile this billing I was told to call client services but I am deaf so that option is not acceptable. XXXX XXXX XXXX then sent my bill to Creditors Bureau which is a violation of HIPPA in as much that no medical information may be shared with third party without my consent. XXXX believes that I should travel back to XXXX XXXX to obtain this report from my provider but this is not acceptable or affordable to me since I have left that area for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have been paying on XXXX loan now XXXX since XX/XX/2005. I was n't working for a while and then returned to school. During that time I was paying interest only payment. I was told last year that my interest only expired and I have to pay {$210.00} per month. I discussed with the staff and was told that there is nothing they can do to lower my payment. I told them I can not afford {$210.00} but will make an effort to pay {$100.00}. Even so they are adding late fees and calling me threaten to send my name to the credit bureau. I 'm having a hard time because I have to pay other loans. I do n't known what to do because it is stressful. My XXXX XXXX went up and I have to be taking medicine. If the com [ any send my name to the credit bureau I will not able to receive credit from anyone. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 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: Analyzed credit report on XX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the Finance Code 392. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXXXXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I received two email notifications from PNC Bank, XX/XX/XXXX and XX/XX/XXXX. Both emails were identidal and stated : " About Your Account ... 
We are contacting you to inform you that our security department identified some unusual activity in your account. 
In accordance with our User Agreement and to ensure that your account has not been accessed from fraudulent locations, access to your account has been limited. 
Please 'Click Here ' to verify your account as soon as possible. 
We take your online safety seriously, which is why we use state of the art notification systems to identify unusual activity and a challenge process to validate your details. 
Thank you for your support. '' I did not click on the link to verify this account because I have never had a PNC account of any kind. There was not a toll free number to call about this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This is a complaint to Citibank regarding my payment on XX/XX/XXXX, paying off my balance in full and receiving confirmation in that regard.
On XX/XX/XXXX, I called Citibank regarding payments I had made previous to XX/XX/XXXX that Citibank had reversed. I have still yet to see the ACH reversal codes in this regard as I have requested via fax. On that particular phone call, I spoke with a representative in the payments investigatory department or equivalent named " XXXX '' about this issue as the previous representative was unable to assist me.
XXXX agreed to submit my payment over the phone from my financial institution in the form of a check draft or direct ACH payment. This was performed at approximately XXXX XXXX You can pull the recorded call to review that conversation.
On XX/XX/XXXX, four days later, I spoke online via secure chat with a representative " XXXX '' inquiring about why my balance was at XXXX, as well as the payment due section ( {$0.00} due ), but my available credit was not yet showing up at {$1000.00} where it should. I have copied this conversation to a Word document and will attach it to the appropriate section of this submission.
In this chat, I was clearly informed my payment to Citibank in the amount of {$990.00} has been cleared and received by Citibank, paying off the account balance in full. I specifically asked if Citibank has been paid this said amount and was told ( see the chat transcript ) " Yes, XXXX '', that they have been paid this amount.
This behavior is unacceptable. If I am told my payment has been received, Citibank has been paid, and effectively my account is paid in full, that is what I expect just as any other Citibank account holder would expect. I am demanding an explanation as to why I was lied to in this regard, and when my account balance will show as paid as I was previously informed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Lien placed on my residence when debt is not mine. Person who the debt belongs to has same last name and same last XXXX of SSN, however different first name and middle initial than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All the accounts below have been cancelled and I have XXXX as proof. They are attached to this complaint. 


XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX XXXX : Paid, Closed. 

XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Paid, Closed. 

XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Paid, Closed.

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