milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2015 about Mortgage (VA mortgage) with NEW DAY FINANCIAL, LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Starting with phone conversation the representative was n't truthful. I was told payment could be Scheduled on line free of charge. This is not true they charge you for paying on line. I thought I was doing business with New Day Financial as I was told. Then a few weeks after closing I received a check for $ 1500.00+ & change from my home owners insurance company I called them to ask why they informed me insurance had been paid two times. I called mortgage company they said they did n't know anything about it. I put check in bank & saved it in a couple of months I got statement from a loan servicing company That New Day turned me over to but say still is New Day. They informed me I owed {$1700.00} or payment would go from {$800.00} to {$960.00} per month. I asked when I only got {$1500.00} check why did I now owe {$1700.00} they said that 's way they operate. Now my payment went from {$800.00} to {$820.00} per month! In my opnion I 'm being taken advantage of. 
My loan is VA & I 'm in my XXXX do n't have lot of money to fight these people with so I 'm hoping since it is a VA loan I can get government help. I feel these are the most dishonest people in the business. 
Thank you in advance for any & all help you can do.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: There have been several major problems with Caliber Mortgage, as I have complained about their failures 2 times -- -failure to post payments ( signif. amts ... {>= $1,000,000} since XX/XX/XXXX ), failure to update my account accurately -- -in turn, failures to report accurate info to XXXX Credit Bureau XXXX My credit score is suffering, due to inaccurate reporting info. Also, they say I owe for XX/XX/XXXX -- -not true. And they 're threatening foreclosure action, even tho I 'm paid up on mortgate..thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Southwest Credit Systems never contacted me about item they posted to my credit report and has not validated the debt, I called them and they said that the item they put on my credit is from XXXX years ago, I never knew anything about this debt until I checked my credit report. 
I did a quick check online and found many bad reviews about Southwest Credit Systems, this company is accused of harassment, scamming, fraud, verbal abuse, producing false documentations etc. 
I do n't believe that they are licensed to collect in my state and I have reason to believe that this might be a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESSS XXXX XXXX XXXX XXXX, XXXX, FL 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 non-monetary relief
Consumer complaint received 05-06-2016 about Debt collection (Credit card) with SACOR FINANCIAL, INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A judgement was placed against me in 2008 by XXXX XXXX Bank and the debt got sold to Sacor Financial Inc in XXXX, CA. I was never properly served any court documents. Sacor XXXX Inc has levied my bank accounts and collected over {$8000.00} from me. The judgement was for about {$15000.00}. It has been over 8 years since this judgement and they are still harassing and calling me even though I have requested numerous times for them to provide me with the accounting breakdown of what is owed and all documentation retaining to this judgement. I hope that you will be able to guide me and help me resolve this issue.

Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Can you please take off anything negative on my credit report from 2010 and older. I want to try and clean up my credit.

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 05-12-2017 about Debt collection (Federal student loan debt) with GC Services Limited Partnership (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In   XXXX   XXXX   I 've received a letter from a collection agency named : GC Services requesting me a payment or to contact the borrower service department to resolve my defaulted Student loan which I did. In   XXXX   XXXX   I signed the Rehabilitation Assistance Forms and sent my first payment to them in    XXXX   XXXX   . They collected at least  3  payments of {$5.00}. They stopped in   XXXX   and the Department the  Education  contacted me and told me that they do n't have that information in records and my student loans are still defaulted.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Medical debt) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Professional Adjustments is representing XXXX XXXX in collection of a doctor 's bill. They will not cooperate in correcting this error. They reported that a bill for {$320.00} is owed. It appears on my credit report and is very damaging. I do not owe the bill and when I called them they said they did not place it in collection, although it is their name, address and phone number referenced on the report. Their rude, ignorant attitude is unbelievable because they will do nothing to correct the situation XXXX call credit bureau ). It is causing havoc in my life as I am buying a new house and will cause a higher rate if not corrected. The physicians who use them should realize the horrendous customer service they provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with PLANET HOME LENDING, LLC (MA).
Issue: Closing on a mortgage

Complaint: I am a Massachusetts   XXXX   XXXX   XXXX  .
On Friday   XXXX   XXXX  , 2017 I represented a home buyer who purchased real estate through a short sale.
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The seller 's mortgage company was Planet Home Lending , LLC. Their principal office is   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX , CT  XXXX .
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The mortgage company was represented by   XXXX   XXXX   XXXX   XXXX  . Their principal office is   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , MA  XXXX .
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I wired Planet Home Lending 's funds around   XXXX   that Friday. My bank assured me that they would receive the funds that day.
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I spent the rest of that afternoon dealing with essential aspects of the closing ( recording the deed, mortgage, etc. ).
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I did not have an opportunity to email the wire confirmation to the lender or its representative.
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Monday morning   XXXX   XXXX  , 2017 I received two threatening emails from   XXXX   XXXX   of   XXXX   XXXX   XXXX    XXXX   XXXX  .
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In the emails  XXXX  threatened " to foreclose on this today!!!! '' or " move forward with the f/c!!!! '' unless a copy of the wire confirmation was sent to him immediately.
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Of course I sent the paperwork to him and I believe the matter is resolved.
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Nevertheless, the CFPB should be aware of   XXXX   XXXX   XXXX   ' and Planet Home Lending 's overly aggressive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Medical debt) with American Accounts & Advisers Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is my second complaint. As of XXXX/XXXX/XXXX American Accounts and Advisers responded by saying they would have the original creditors send me itemized statements as I requested and alleging that I had already received these at the time of service. To date, now 30 days later I have received nothing from any of the original creditors nor anything from American Accounts and Advisers verifying any of these accounts they claim I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX, an account with XXXX XXXX XXXX XXXX was placed for collection with XXXX XXXX XXXX/XXXX XXXX. The balance owed is {$210.00}. I disputed with XXXX XXXX XXXX XXXX regarding this matter ; I believe I do n't owe them anything. 

XXXX XXXX XXXX/XXXX XXXX has reported the account as uncollected to Transunion Credit Reporting Agency . As a result of this reporting I have been unable to secure credit from any business and homeless for two years ( unable to rent an apartment ). TransUnion has estimated that they may remove the negative data from my report XX/XX/XXXX. 

I am requesting assistance from your agency with asking Transunion to remove the negative data from its report before XX/XX/XXXX. It would be greatly appreciated if it could be removed in XX/XX/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 04/24/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. ().
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A debt collection company named  XXXX   XXXX   XXXX  continuously sending me letters during the past  2-3 years  asking me to make a payment of {$660.00} they claimed that I owe Bloomingdales. I have never applied a credit card, or never did I purchase anything that did n't pay at first place in Bloomingdales, so I do n't know where does this {$660.00} come from. What 's even more suspicious is that they asked me for my SSN, and because I was n't aware of how unsafe it can be, I exposed my SSN to them. I have absolutely no idea on how to handle this at the moment, so I am looking for your help. 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 08-04-2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Citizens One home loans the mortgage company. I 'm am trying to assume my mother loan I have Power of Attorney the lender said I could assume the loan. I been going to court for a year and they keep requesting the same things over and over again. So that is making the legal fee 's go higher and I been giving them every document that they are requesting Here are the dates of the RMA being sent to the lender attorney on first packet was sent on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX, 1 ) Missing documents letters for documents that I have sent before.XX/XX/XXXX the lender was requesting Retirement benefits letter from provider, declaration page of homeowner insurance and Tax bill.2 ) XX/XX/XXXXMissing documents letters for Property taxes and homeowner insurance. other request from the lenders attorney Missing documents emails  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,2/2/17,XX/XX/XXXX the mortgage lender attorney been requesting for pension letter, property taxes & homeowner insurance, contribution letter sign and dated, hardship letter sign and dated and also asking for power of attorney

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off Midland Credit Management on XXXX XXXX, 2010 for the amount of {$5700.00} based off an established agreement. ( Please see attached documents ). 
Midland Credit Management still has a debt on my credit report despite me paying off this debt and continues to call me to collect on a debt I paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with Harris & Harris, Ltd. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I never picked up the phone when they called but it went straight to my answering machine. I do n't know why they are calling. I am on two no call list. I have no outstanding debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my dept to CSI to XXXX over 3 years ago, even after 3 years of asking them to removing the debt off my record it still on my record. I currently use the service and have been for the last 3 years. I have filed a dispute with the credit report XXXX and it wont get off my credit. While I do n't have the original receipt that the debt was paid in full I have statements for months i use their service. I call and they keep saying that they will take care of it and it should be off my credit in 45 days and nothing gets resolved. I even call XXXX XXXX to see if they can do anything and they give me false numbers to call. This has been a big mess that I cant seem to resolve on my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. ().
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A company operating as Commonwealth Financial, and a website of XXXX, of Pennsylvania, did report to the XXXX credit bureau that they have a deliquent account in my name. 
They did not however make any effort to contact me first, such as with a standard form notifiying me of an alleged debt and their intention to report it to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I entered the XXXX XXXX XXXX XXXX on XXXX XX/XX/2017. At that date, I had a balance of {$24000.00} on my Wells Fargo ( WF ) Visa credit card. At the time of entering XXXX XXXX under Title 10 of the U.S.C., I provided WF with a copy of my Orders. WF acknowledged receipt of these Orders for my checking and mortgage account, but after nine months have still not applied the SCRA benefits to my credit card, which oddly enough is the only account that stands to benefit from the SCRA 's protections. I contacted WF about the incorrect interest rate in XXXX and again provided them with a copy of my Orders because they " never received them, '' even though they could see that my checking and mortgage accounts had the SCRA protections on them. WF now acknowledges via telephone that they have all of the needed documents, but are " still processing my request. '' As of this writing, they have been " processing the request '' for a month and a half. Since entering XXXX XXXX, I have not used this Visa card for any purchases, so all interest accrued on this card should have been capped at the statutory cap of 6 % rather than the previous 12.75 %.

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 01/31/2017 about Mortgage (Other mortgage) with CITY NATIONAL BANK (WA).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, Regarding : My mortgage payments for XXXX & XXXX have been sent & paid on time to both Servicers. Servicers have yet posted the amounts to my mortgage. 
I would like to file a complaint against the following servicers ; XXXX XXXX XXXX XXXX XXXX loan # XXXX and City National Bank. Please conduct full investigation. Servicers have not investigated or conducted a solution to my lost payments. They have yet resolved the issue or have contacted me to explain the next steps that they plan to take to locate the lost mortgage payments. I review each mortgage statement that they mailed and continue to see late fees added to my mortgage. There should be no late fees and my mortgage payments should be noted on my account as paid on time. 
I have mailed my mortgage payments on time. I have yet heard or seen any results regarding my lost payments. I have proof that both my mortgage payments been cashed and cleared by the servicers. 
Please see the attachments that I have provided for further review. 
If you have further questions or need additional documentation, I can be reached at XXXX. 
Sincerely, XXXX XXXX XXXX *Copies of all emails, phone call records, bank statements and loan statements relevant to the incident are attached.

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 09-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt is 5 years old from date of the last activity with the credit grantor. It is showing current when it is old.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is ignoring my requests to investigate and remove accounts from my credit report that do not belong to me.

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 08-04-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: A payoff check was sent to Ally Financial the end of XXXX 2017 for my XXXX. It cleared my bank account XXXX XXXX 2017. It was not applied to my account. I sent a copy of the check showing clearance multiple times to multiple fax numbers given by customer service. 3 emails were also sent by email at customer service representative request to XXXXXXXXXXXX with no response. The money is still not applied to my loan as of XX/XX/XXXX and collection efforts continue and threats have started. My money is misapplied somewhere. I am a XXXX veteran and your help would be greatly appreciated.

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