milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with Mandarich Law Group, LLP (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have already disputed this account several time before I have never received any documentation showing the time date or place this alleged debt was open. What is the last date of activity on this account ( XXXX ). 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805. You are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against MANDARICH LAW GROUP with the Federal Trade Commission, the Attorney General of both MANDARICH LAW GROUP /CAH LLC state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Payoff process

Complaint: For some time I have received American Express bills that I paid online. Sporadically these bills attempted to scam me by showing the Current balance to be paid to be slightly less than the actual balance ( see attached PDF copies of XXXX bills and the deceptive payment screens for each ) in order to trick me into paying less than the actual balance, thus earning penalties ( described on each bill ). I attach XXXX instances showing the actual bills and the online payment forms that I received with the alleged Current Balances and the actual Current Balances shown. In the past I corrected the amount to be paid, but now that is no longer allowed, forcing me to underpay if I pay online. Therefore I will no longer pay online. I consider this scam on the part of AMEX to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Diversified consultants inc has made contact with me again attempting to collect a deb that I have no idea about and do not owe. They have XXXX XXXX XXXX as the creditor they are collecting for and I currently have no past due debts with XXXX XXXX XXXX and all old accounts with them have been paid. I previously had this issue with diversified and they sent a letter stating that they were collecting in error and would cease all contact and remove all listings they may have entered from the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (DC).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, after ten years paying XXXX XXXX account # XXXX, XXXX XXXX sold my mortgage loan services to Green Tree. I pay my mortgages by check mailed from XXXX XXXX 's main XXXX XXXX on XXXX XXXX in XXXX XXXX on the XX/XX/XXXX. The first seven XX/XX/XXXX payments went to GreenTree account # XXXX. The last five XX/XX/XXXX payments went to Ditech account # XXXX. GreenTree 's XX/XX/XXXX updated statement represented a 'principal balance ' of {$47000.00}. I made all $ 2000 monthly payments since XX/XX/XXXX in time through XX/XX/XXXX. Accordingly, Ditech 's XX/XX/XXXX 's statement showed a 'principal balance ' of just over {$24000.00}. XX/XX/XXXX statement 's declining 'principal balance ' reflected just over {$22000.00}. I appeal to CFPB here because Ditech 's subsequent three XX/XX/XXXX monthly statements for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX reflected the same 'principal balance ' amount of just over {$22000.00}. Furthermore, Ditech 's XX/XX/XXXX counts my XX/XX/XXXX payment in a " Total Paid Year to Date '' amount of exactly {$24000.00} or 12 times {$2000.00}. My primary appeal to CFPB believes I have paid off the mortgage for XXXX XXXX XXXX XXXX, XXXX XXXX, although Ditech disagrees. 

My secondary CFPB appeal here questions first GreenTree 's and now Ditech 's increasing, instead of decreasing, monthly statements ' 'amount due ' amounts. XXXX XXXX  's monthly 'amount due ' amounts annually decreased from $ XXXX in XX/XX/XXXX to $ XXXX in XX/XX/XXXX when GreenTree became my mortgage service provider, decreasing because I always paid {$2000.00} each month on a fixed rate mortgage pegged at 4.875 %. In less than four years GreenTree and Ditech increased the monthly 'amount due ' amount to {$1900.00} due by JXX/XX/XXXX. In XX/XX/XXXX, the year GreenTree became my mortgage service provider, Vermont 's attorney general had GreenTree restore Vermont citizens ' money paid to GreenTree for GreenTree 's fraudulent mortgage services. XXXX 's first Attorney General, XXXX XXXX, first won election in XX/XX/XXXX. GreenTree 's Vermont legal outcome, GreenTree and Ditech 's annually increasing 'amount due ' amounts, my own XX/XX/XXXX $ 22,000+ 'principal balance ', and XX/XX/XXXX statement 's {$24000.00} 'total paid year to date ' amount, all let me wonder if I my mortgage payoff completion passed with XX/XX/XXXX 's pay receipt. If so then Ditech owes me at least {$2000.00} instead of me owing Ditech {$6900.00} more. 

This CFPB appeal should also inform Ditech of XX/XX/XXXX payment 's possible late arrival if at all. My faith in transparency urges CFPB 's publishing with account numbers and the aforementioned DC address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Customer service / Customer relations

Complaint: Capital One blocked my credit card because I redeemed miles on the account. To verify the account they demand ID, front and back, Social security card front and back and a utility bill. I consider these demands for verification onerous and absurd. They will " unblock the account '' after 72 hours! No other bank engages in such demands.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Nelnet keeps sending me increasingly aggressive and threatening emails. The last of them, on Thursday, XX/XX/XXXX, states : " [ ... ] continued delinquent reporting, to the national credit reporting agencies. Legal action, including property liens and wage garnishment. Default and the obligation to repay your student loans ( sic ) in full to a collection agency. '' Nelnet has altered, doctored, manipulated my loan repayment plan. They suggest that I am behind in payments after having first placed my loan in forbearance of which I did not request. Thus, instead of the income contingent repayment plan, which I would not be required to make payments, forbearance set me behind in number of years remaining before my loans can be forgiven. Additionally, Nelnet has an extraordinary amount of documentation that I have been sending to them for many years. Nelnet has my official social security yearly forms without interruption at least from XX/XX/XXXX and many others documents, such as the ones proven I 'm receiving EBT ( " food stamps '' ). Nelnet knows as well that my monthly Social Security check is for {$260.00} and they know that my yearly income they have the forms showing it, for I sent them to Nelnet with religious punctuality is less than {$4000.00}. Which means, unequivocally, that I 'm living much lower than the Federal " poverty line ''. Nelnet knows as well that I live in a XXXX XXXX XXXX XXXX for senior citizens with very low income. Nelnet knows also that I 'm XXXX years old, and, therefore they are harassing and abusing an elderly person. Is Nelnet going too garnish the {$260.00} dollar a month of my Social Security ; is Nelnet going to put a " lien '' on my food stamps or perhaps on monthly S.S check?

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has exposed my personal information, including name, address, social security numbers, and details of my credit accounts and inquiries. I will be incurring significant time and expense rectifying the damage as a result of Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Payday loan) with Receivables Performance Management, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Rpm or Receivables Performance Management called my mom to get in contact with me over a payday loan they stated I owed on. When I called to find out who they were and to get information I was informed that I owed {$300.00} dollars and the funds were deposited into XXXX XXXX. I have never had XXXX. I then told the lady that the only payday debt I had I already paid off. She basically called me a liar and said I could be taken to court. I have not gotten another payday loan besides the one I paid off in over XXXX years so I do n't understand why I am being harassed now. I also do not appreciate them calling my work and my parents and stating they are a debt collector. When I asked for my account information she would not give it to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX, 2014 its show 30-59 days late I traded my car in to XXXX XXXX XXXX in XXXX ,2014 and they made they paid my remaining balance off late I want it removed

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 01/20/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested validation of collections/ negative accounts on my credit report and received a printed copy of what looks like a bill/statement. This is not proper validation of these accounts and I requested removal. These accounts are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Medical debt) with American Accounts & Advisers Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not, nor have I ever had a XXXX debt. This debt is from Minnesota. I live in Missouri. It would appear to be in violation of HIPPA considering that the relentless collection AMERICAN ACCOUNTS ADVISORS INC continues to ignore the disputes per this identity theft/ false account that I refuse to be bullied into paying.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am holding a letter from bancruptcy court that they never reported to any of credit biro agency. i am willing to sue credit agency 's for reporting from a third party not the court it self.

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 06-02-2016 about Debt collection (Medical) with Creditor Claims of America, Inc. (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX 2016 I disputed a medical debt reporting as Creditor Claims of America in the amount of {$840.00} on my XXXX credit report for XXXX reasons. First it is a medical debt ; second the collections company is knowingly reporting an incorrect balance as an outstanding balance, which is {$200.00} more than the original outstanding balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: URGENT - SHERIFF SALE ON XXXX XXXXHi. I went for a loan modification with Wells, Fargo Home Mortgage and submitted all my documentation in a timely manner on XXXX XXXX, 2015. 
I was called at the end of XXXX XXXX I still have the call on my cell phone ) by Wells, Fargo and was told my loan was turned down because is was over {$720000.00}. 
XXXX XXXX knew my loan was {$900000.00} in XXXX! 
I called and spoke to XXXX XXXX. She said the loan was turned down because I did not submit profit and loss statements for my realty company. I do n't have a realty company and was never notified that she needed a document! I explained the phone call I received the day prior and she said I was grandfathered. There was some new regulation that just came out in XXXX. I tried to look this up and there is nothing on the internet. So, this is XXXX different answers to the denial. Both are not relevant. 
Then I got a letter from XXXX XXXX saying she would like to help me, but it is to late due to the sheriff sale. How can this happen? 
Yesterday, I talked to XXXX XXXX who said he is investigating the matter. 
He said he had until XXXX XXXX to investigate but would hurry it up due to the sale on Tuesday. There is a huge problem because I do n't know if he can investigate this prior to the sale. There is not enough time! Why do n't they pick up the phone and call their lawyers XXXX, XXXX and postpone the sale so they have the time to investigate this properly. I can not sleep and am down to XXXX pounds due to the XXXX and XXXX this bank has put me through. XXXX ( {$20.00} XXXX ) and have never seen such consumer fraud. 
Please help me. There are only XXXX business days left until the sheriff sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Making/receiving payments, sending money

Complaint: I did a on line bank check to my condo association it never got there the township of XXXX got the check instead. They cashed the check into their account. I have filed complaints and cant seem to get the money back after wells fargo has mad promise after promise. they now say I have to wait to get some paperwork in the mail get it notarized the bring it back to the bank before they can complete anything. The chech which is attached is clearly deposited into someone else account

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 05-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (CT).
Issue: Billing disputes

Complaint: Barclay card is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). The account in question ends in 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 06/16/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I am filing this complaint against Nationstar Mortgage LLC, herein referred to as Nationstar, because of their continuous efforts to attempt to collect on a debt that I dispute they own. My mortgage did not originate with Nationstar. If I recall  Nationstar became my servicer when my loan was in default or they are servicing the debt on behalf of an entity that received the alleged debt while I was in default. Because the entity Nationstar services the debt for received the alleged debt while I was in default, they are " debt collectors as defined by the Fair Debt Collection Practices Act, hereinafter FDCPA, 15 U.S.C. 1692 ( a ) ( 6 ). Nationstar has continually falsely represented the character, amount, and legal status of the debt, and are threatening to take action that is not legal for them to take. Currently, there is a foreclosure sale scheduled on my home for XXXX XXXX 2017. This nonjudicial foreclosure action is in violation of 15 U.S.C. 1692f ( 6 ). Nationstar has refused to work with me in terms of a modification agreement. Upon their refusal to work with me in modifying my loan, I sought the assistance of an attorney. I was informed that based on the documents that are recorded in the XXXX County Recorder 's Office and based on my documents, Nationstar is servicing a debt on behalf of a debt collector who has no rights or authority to the alleged debt or my property. Under the FDCPA, a debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. More specifically they may not take or threaten to possess or disable property when the debt collector has no enforceable right to the property or does not intend to do so. Attached hereto, please find Notices of Trustees Sale evidencing the foreclosure sale set for XXXX XXXX 2017.
I am filing this complaint with the CFPB because Nationstar has blatantly disregarded the law and they continuously harass me about a debt that is not owed to them and falsely represent who allegedly owns it. Filing this complaint was not only necessary but recommended due to their violations. If nothing is done, they will continue with their blatant disregard for the law. <P/>Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Prepaid card (Transit card) with Empowerment Ventures, LLC (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: I have been waiting for my direct deposit from Rush XXXX. I 've been trying to contact them since XXXX and all I get is 5 rings then a disconnection. The company has failed to inform me or a t other users as to what the issue is. There is a severe lack of communication from Rush Card. Not able to access my account online or through their mobile app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint involve s Ocwen Bank.  My mother and her partner owned a home in  XXXX  Arizona. My mothers partner died over   XXXX   XXXX   XXXX  . My mom died   XXXX   XXXX   XXXX   I am the successor trustee for my mom. I have since   XXXX    tried  to get Ocwen to change the mailing address and get me information on the mortgage so we can pay them. My mom paid on line so did n't receive mortgage statements. I have provided on numerous occasions all documentation showing both parties died and that I am the successor trustee of my moms trust as well ad death certificates. They refuse to change the address or to give me any information. The home is vacant for 4 months. Ocwen will only accept faxes, no e-mails or other communication allowed. They say after the fax is received, they will contact you within 3 days, but it usually takes about  XXXX  weeks. The folks working for  Ocwen  including managers are like robots and they repeat the same arguments that I am not entitled to any mail nor any information on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. XXXX  is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX  XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.

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 08-02-2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Once again, my servicer - SLS - has taken five days to apply my payment and subsequently " cause '' a delinquency and post a late charge to my account - over a weekend and over the grace period cutoff. My payment was confirmed by my bank as delivered and received by SLS on XX/XX/XXXX ( Thursday ) and not negotiated until XX/XX/XXXX ( the following Tuesday ).

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