milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender has misposted several of my mortgage payments over the past six months, crediting the payment to escrow instead of to principal and interest. I have contacted them at least 5 times to correct the error, yet they still show me as being in arrears in my payments despite assurances by their customer services personnel that the misposting will be corrected. Now they have reported me delinquent to the credit bureaus and my credit rating has dropped by XXXX points or more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: My complaint is on Santander Consumer Bank. XX/XX/XXXX Santander Consumer bank stated a false and misleading statement. I called stating that I sent a payment in but still have n't noticed it changing in my Satander consumer account portal and that I did n't want it to effect my credit. Santander employee stated that he would defer my payment so that the payment can come in heals of stated that he would submit a credit dispute on my behalf and stop any late payment from being reported. I noticed a late payment on my credit report I waited a month and half. Because this employee stated if a late is reported it can take anywhere from 30-45 days to correct. Today is 4 months later and Santander refuses to stand by there statement of removing the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: My wife and I opened a consumer credit account with Home Depot/Citibank in XX/XX/XXXX to finance the purchase of a new roof. We were informed at the time that the financing would be at 0 % interest for XXXX months and if we paid the balance in full prior to the end of the XXXX months we would not pay any interest. When we received our XX/XX/XXXX statement we realized that the 0 % financing was scheduled to expire in XX/XX/XXXX after only XXXX months and at that point we would be charged interest retroactively. We contacted customer service and were informed that they would extend the 0 % financing for the full XXXX months. When we received our XX/XX/XXXX statement we observed that the 0 % interest had expired and that interest had been applied retroactively raising our monthly payment from approximately {$100.00} per month to approximately $ XXXX monthly. We again contacted customer service and were told to make our originally scheduled payment and that the 0 % financing would be applied retroactively. In XX/XX/XXXX I began receiving collection phone calls and when I viewed the statement online I realized the 0 % financing had still not been applied. I contacted customer service and was informed by XXXX in Escalations that the 0 % financing had not been applied because there was an error in the original account notation in XXXX. They said they would apply the 0 % financing retroactively again as soon as I made the account up to date and paid a past due {$210.00}. I informed them that this was unacceptable as the account was already up to date per the original 0 % financing offer and that I would not pay {$210.00} in interest due to their error. They said that the amount would be applied retroactively to the principal as soon as the account was up to date. I have no faith in that promise based upon the interactions over the previous XXXX months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with Harris & Harris, Ltd. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On  XXXX / XXXX /17 the debt collector called a family member with out my permission. They also contacted a friend of mine on  XXXX / XXXX /17. AGAIN WITH OUT MY PERMISSION! They should only call my cell, which is the only number first given. The amount for my debt is about 700.00.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I RECEIVED A 4 SEPERATE LETTERS FROM SYNDICATED OFFICE SYSTEMS PAYMENT ADMINISTRATOR I HAD THE LETTERS BUT HOWEVER I MISPLACED THEM IN MY HOUSE AND BY THE TIME I FOUND THEM THEY HAD JUST EXPIRED SO I CALLED THE NUMBER THAT WAS ON THE LETTER AND THERE WAS A AUTOMATED SYSYTEM EXPLAINING WHAT TO DO IF YOU NEEDED A CHECK REPLACED SO I SPOKE TO A LIVE REPRESENTATIVE AND SHE PUT A REQUESTY TO HAVE THE CHECK REISSUED AND SAID IT WOULD TAKE 4 TO 6 WEEKS TO BE PROCESSED I CALLED NUMEROUS TIMES OVER THE COURSE OF THE WEEKS AND THEN I SPOKE TO A REPRESENATIVE NAME XXXX WHO SAID THAT THE CHECK WAS GOING TO MAIL OUT ON XXXX XXXX 2016 SEVERAL DAYS WENT BY I RECEIVED NOTHING IN THE MAIL SO I CALLED BACK SPOKE TO A SUPERVISOR NAME XXXX ON XX/XX/2016 WHO THEN STATED THAT MY CHECK HAD NOT GONE OUT BUT THAT IT WOULD FOR SURE GO OUT SOMETIME IN XXXX BUT HE DONHT HAVE A DATE.SO I CALLED BACK THE VERY NEXT DAY AND SPOKE TO ANOTHER SUPERVISOR NAME XXXX AND SHE STATED THAT THE CHECKS HAD NOT GONE OUT AND THAT SHE WAS GON NA GET MORE INFORMATION AND CALL ME BACK WHICH SHE NEVER DID SO I CALLED HER BACK LATER AND THEN SHE STATED THAT SHE SPOKE TO THE PROJECT MANAGER AND THEY WERE SAYING THAT THERE WAS A POSSIBILITY THAT THEY WERE NOT GOIN G TO REISSUE ANY CHECKS AND THAT WHEN SHE FINDS OUT FOR SURE SHE WILL LET ME KNOW HOWEVER I AM ENTITLED TO THE CHECK AND THEY NEED TO BE REISSUED AND SENT TO ME.THIS COMPANY IS GIVING ME THE RUN AROUND.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an address and a XXXX XXXX on my Experian Credit Report that are not mine. XXXX XXXX XXXX, XXXX, XXXX XXXX is the address of my second wife, XXXX XXXX XXXX. We have been divorced since XXXX of XXXX, She is remarried again, new last name unknown. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, I believe to be the address of my first wife, XXXX XXXX XXXX. We have been divorced since XXXX of XXXX. 

The female I spoke with a Experian at XXXX at XXXX XXXX, XXXX XXXX XXXX, said the address was on a notice sent to them by a bill collector. The bill occurred during our divorce and was incurred by my second wife without my knowledge. My point to the Experian representative was that I have never lived at, vacationed at, leased, purchased property at nor used as an accommodation address this location. These facts being true, how can it be listed as XXXX my addresses? The situation of the XXXX. XXXX is exactly the same. Thank You, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2016 about Debt collection (Auto) with NISSAN MOTOR ACCEPTANCE CORPORATION (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/2016 a not safe cargo van was purchased from the Nissan Motor Acceptance Corporation. With it was purchased a Maintenance agreement. With resistance from the XXXX XXXX XXXX did a false cancellation request cancellation. Since we are being charged monthly for the cancelled Maintenance and receive numerous daily calls to our NO CALL number ( from XXXX to our XXXX number. We have filed complaints with XXXX XXXX XXXX XXXX ( # XXXX and # XXXX ) and the Federal Trade Commission ( # XXXX ). It appears that these agencies are protecting the Nissan Motor Acceptance Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Medical) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have NEVER experienced anything this unpleasant in my life. 
XXXX XXXX from Thunderbird Collection Services started calling me in XX/XX/XXXX. He left one message on my home phone stating he had a business matter to discuss with me. I did not know who he was so did not call him back. He had also been calling my cell but did not leave a message as to who he was or why he was calling. 
He began to call XXXX of my sons repeatedly telling them he needed to talk to me about a business matter. He then called my work and left the same message. When I called him he was immediately condescending and rude. He asked if my sons had talked to me and used their names. He told me his calls were in regards to a 2012 medical bill, that I must have had an operation and that I had n't paid. He referred to the medical business as his client and said that it was going to be taken to judgement. I said I would look into it, call my insurance company and the medical office to see what had happened. I asked him not to call my work ( I am a teacher and it is not the front office staff 's job to take my messages when I have a cell and home phone ) or my sons ' phones while I was working on this. He continued to call my work EVERYDAY. He repeatedly called my cell phone and my sons phones. It was difficult for me to contact the business as it was XXXX weekend. I finally got in contact with the office manager at the medical office, found out it was from XXXX one of my son 's had had. I paid them directly. XXXX XXXX then called my husband and started berating him because I kept saying I 'd pay and I had n't. My husband would not let him speak because he was so rude. When my husband told me XXXX XXXX had called him I called XXXX XXXX to let him know I had paid. He was angry that I had paid the office and demanded a confirmation number. He said he would keep calling and attempting to collect until I provided it. I got the number, called Thunderbird Collection Specialists and left a message for him, stating that I would NOT talk to him again. 
As I stated I have never been treated so rudely. This was abusive and completely unprofessional. I can not express in writing how this man made me feel. It was an awful experience for an old {$200.00} bill that I did n't even know I had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Payday loan () with DFC GLOBAL CORP (CA).
Issue: Payment to acct not credited

Complaint: I applied for a PayDay Loan on XXXX XXXX at the Money Mart store XXXX. My check was presented to and paid by XXXX XXXX Bank on XXXX XXXX, 2016. I went to the store to reapply for the loan and was told I could not do o because the loan was delinquent and to come back the next day. I thought this unusual as in the past producing a bank statement showing the paid check was sufficient. Today, XXXX XXXX, I went to a different store, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was given a letter from Monetary XXXX of California Inc dba Money Mart stating there was a current outstanding loan and only XXXX loan was permitted at a time. This company has had my money ( XXXX ) since XXXX XXXX, and insist I am delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputes liens on the Credit report from Equifax. My dispute was valid as said by Equifax. When I received my dispute listing that my leins should show released I pulled another Equifax credit report and the status of the liens had not changed. I called the customer service line ( in XXXX ) and they said they could n't understand why but could n't help me the supervisors name was XXXX ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've had my past rental history checked by large and small rental services and I 'm told that I have evictions on my record. I 've never been evicted. It appears that because I was late with my rent some years ago in XXXX ... I was put on an eviction list ... or something to that affect. But, I was never evicted or even close to it ... I never even got a full month behind. But for some reason I show up as having had evictions. The credit reporting agencies for rental info is reporting incorrect/incomplete information. This has caused me to remain stuck in a less than desired apartment for fear of being rejected for rental again.

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 05/15/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is against Wells Fargo Bank , NA, XXXX ( corporate capacity and/or trustee capacity - of an unidentified trust ), XXXX and XXXX. 
Documents recorded with false information, fictitious entities and incorrect information. No evidentiary support given. These documents were created specifically to foreclose and do not represent any valid underlying financial transaction. More information is attached in the exhibits, which include the body of the complaint and the recorded documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Consumer Loan (Installment loan) with Automobile Acceptance Corporation (GA).
Issue: Managing the loan or lease

Complaint: I have XXXX car loans through Automobile Acceptance.I am still paying for the Azera. But the loan for the Town and Country was almost paid in full when I needed the repairs done.I had paid the car loan down to approx {$600.00} and the car would be completely paid for.I had repairs done on my car in XX/XX/XXXX-XX/XX/XXXX. The cost was approx {$800.00}. I had the work done at XXXX. The vehicle loan is through Automobile Acceptance and XXXX works with them. You make your car payments, car repair bill, etc to them. 
I was told by AutoTune that I am to pay {$140.00} per month and there was no mention of interest on the repair bill. It should also be noted that this is the second time I have my car repaired and paid to Automobile Acceptance and there was n't any interest charged. The gentleman at XXXX never said anything about interest charged on the repair bill. Like I said this is the second time I have had my car repaired this way. 
After steadily getting all the calls regarding the repair bill I told them that my repair bill should be paid for by now. When I looked at the bill I saw that interest was being charged to the repair bill. 
When I went to them they combined the repair bill with the rest of the balance owed on the car. That 's when I discovered that I was being charged interest on the repair bill. 
I am submitting the payment history and a copy of the contract. 
Please help. I am on XXXX and my husband is the sole bread winner as I ca n't work. So our money is limited and we count every dime. It 's not fair that I am being charged interest on a repair bill. 
I am getting phone call after phone call regarding my payment for the repairs. I get calls XXXX-XXXX times per day. I informed the company that my bill is to be paid once per month. 
When I started paying I would pay every other Friday, to get the loan down, and I figured it was a good way to pay since I had to pay for the Azera and the Town and Country. 
Please look into this matter and help me please. Thank you in advanceXXXX XXXX XXXX XXXX XXXXThis will be the XXXX car loan I 've had with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Wakefield has place collection on me that are not mine.   XXXX   XXXX   XXXX    offered financial counseling and provided 100 % discount under a program that was signed off to allow student to get their training. I have no knowledge of responsibilities other than that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage with PNC Mortgage XXXX XXXX, 2016. After checking with the XXXX County Recorders office as of XXXX XXXX, 2016 there is no record of a release of mortgage. I think six weeks is more than enough time to file the paperwork ( which I already paid for ).

Company response to consumer: Closed
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: According to   XXXX   and Equifax, I have an account with a collections company named  XXXX   XXXX   XXXX . I have requested validation from  XXXX   XXXX  since  XXXX  of    2015  with no response or validation that I owe a debt, so I s ent two  certified letters to both   XXXX   and Equifax in  XXXX     2015  and not only have they never responded back to me, but they never verified the debt that they alleged that I owe. Also, the collection has been removed 5 times on both credit files and were put back within 5 days with no notice sent to me as to why -- -that is a violation and subject to fines according to the FDCPA. If the alleged collection account can not be validated as mine showing that I had a contractual signed agreement to pay  XXXX   XXXX   XXXX  then it needs to be removed off my reports permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is about the 10th time Ive tried to get my credit report reporting correct and nothing seems to be done. I understand the account can not be removed, although I have PAID THE COLLLECTION OFF IN FULL. however, the account status is still being reporting incorrectly, the account status with XXXX   had the account as being derogatory. Let me state the correction, The current account status is not derogatory, I have paid the account in full, so it should indicate CLOSED/PAID. Secondly, the payment chart for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, shill show as " C '', for collection. This account was paid off XX/XX/XXXX, and became no longer in collection when I made the final payment. This holds true for Equifax. XXXX seems to be the only reporting agency that is reporting correctly. The account in question is XXXX XXXX, for my XXXX XXXX Account ending in XXXX. PEASE CORRECT MY CURRENT ACCOUNT STATUS TO PAID/CLOSE AND UPDATE MY PAYMENT HISTORY FROM XX/XX/XXXX TO NOW, AS CLOSED,. According to section 609 of the fair credit reporting act provided protection of consumers against false and erronous reporting. II was advised my another ageny that I can hire a legal team to get this correct. I am trying my best to get this done without a legal team, so please update my current account status and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Trouble during payment process

Complaint: Since  XXXX  of   XXXX   every single mortgage payment that I have made to O cwen Loan Servicing has be en either lost or reversed. I always keep the confirmation email stating that the payment was made along with a corresponding email stating that the payment was received by Ocwen. However, on the following month when I attempt to make my mortgage payment my payment records indicate that the payment from the previous month was either not credited to my account or reversed. This is seriously affecting my  credit score  and preventing me from transferring my mortgage to a more creditable mortgage company. I am currently attempting to recover from Chapter  XXXX  proceedings and this ridiculous matter is causing me serious financial difficulties.     It 's seems rather fishy to me that the only way that a customer can pay their mortgage without a fee is through their bank, but this appears to be the  one  way that is not working as it should. I 'm not understanding why a mortgage company would receive a payment from a customer, turn around and send it back to the customer and then not send any correspondence whatsoever indicating that there was a problem with the transaction. More interesting than that, how does a mortgage company mysteriously loose a customers payment all together.?

Company response to consumer: Closed with explanation