milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Our mortgage was through XXXX XXXX XXXX. XXXX sold our paper to NationStar. We received notice of the new name and address to send our payments to. As we were in bankruptcy at the time, we received no billing statements to show the amount due or credits being applied for 2 or more years. We had been paying {$1400.00} each month. Not once did they ever inform us that our payment amount was actually {$1400.00}. We had transposed a number and it was never corrected. Then in XX/XX/XXXX our bankruptcy attorney gets information that we are over {$5500.00} in arrears and that we had n't paid our mortgage since XX/XX/XXXX. We sent all the proof that we were paying our bills and every person and attorney that our attorney spoke with had a different explanation and amount that was due. Needless to say, we determined that it was the difference between the {$1400.00} and the {$1400.00} that had actually caused the shortages and brought our account 100 % current in XX/XX/XXXX. Now on XX/XX/XXXX we get 3 letters dated within 1 day of each other advising us that we are in arrears {$5200.00} which is money owed since XX/XX/XXXX. They are trying to steal our money and steal my home! They also claim that they are sending documents certified mail and they are not. No one signed for anything and it was delivered in an envelope with our regular mail. They are now calling themselves XXXX XXXX. They are threatening to foreclose on our property and we are not even 30 days late to them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a neg ative mark showing on my credit report as a collections account with a company called Debt Recovery Solutions.  They show the original creditor as :  XXXX . This debt collection just started showing on my credit report last  XXXX   2016 . I contacted Debt Recovery Solutions and told them I needed verification of what this debt was for because I had no idea what this was all about. They contacted me with in 48 hour s, but all they could tell me was that they verified the debt with  XXXX . I informed them that I needed details as to what the debt was for. I was told I would need to contact  XXXX  to obtain those details. I called  XXXX . After being transferred and retelling the story 3 times, and after being on hold for roughly  30 mi nutes, I was then informed that they had no record of what the debt was for. All they knew was that I owed " for something. '' I told them this was unacceptable. I then proceeded to dispute this with the credit reporting agencies - spelling out for them everything I just wrote here. All of them said the debt was con firmed. I assume that no real investigation occurred and that they just took the word of Debt Recovery So lutions. To this day,  XXXX  can not and has not provided an itemized bill of what I owe. While it is severely damaging m y credit score,  I refuse to just pay out {$870.00} that I do not owe. I do hope this agency can give some assistance to bringing resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a letter from Debt Collector Midland Credit Management , Inc several years ago and in response within 30 days requested validation of the debt. Midland Credit Management, INC has never responded or provided requested validation in accordance with the Fair Debt Collection Practices Act and continues to report to all XXXX Credit Reporting Agencies that the Debt is a Collection Debt. In accordance with the FDCPA this reporting and all debt collection actions was to cease until Midland Credit Management provided the validation. The debt is now time barred. I contacted the Credit Reporting Agencies and they will not remove the collection action even though it violates the FDCPA and is time barred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Since XX/XX/2016 I started a short sale process on an investment home I mortgaged through Ocwen Mortgage that 's also serviced by one their subsidiaries. I started the process early because my tenant notified me she decided not to renew her lease when it expired XX/XX/2016. Two days after the property was nationally listed, I received a decent offer from a national residential investor called XXXX XXXX. Incidentally, XXXX is a well-known enterprise within mortgagee/short sale circles. I was ecstatic. Moreover, I 'm almost certain Ocwen 's legal department is aware that XXXX is an established, stable, reputable corporate enterprise that has scattered offices throughout the US. Not to create a problem for my assigned Ocwen Short Sale Negotiator ( he 's great at what he does ) but I have issue with Ocwen 's short salel department demanding original signatures by XXXX XXXX members named on their articles of association. Such a request is XXXX near impossible to get from any higher echelon members in an expansive, regionalized corporation. Would it not be more efficient for everyone if Ocwen 's legal department would request actual signatures ( as opposed to e-signatures ) on " master '' document that could be renewed on a periodic basis and distributed to their negotiators to expedite this cumbersome, stressful process? It seems reasonable. Also, each week my negotiator requests new or updated documents to further delay the sale. Because of Ocwen 's inefficiencies and through no fault of my own, my house will soon go into foreclosure despite the fact that I have a buyer! The entire experience has been insane. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland is falsely reporting to the credit bureaus I owe them money and reporting false account activity dates to keep the information active on my credit report. The original debt was with XXXX Bank and closed in late 2008. I have disputed with the XXXX credit bureaus and Midland falsely confirmed the data as accurate. 
Midland has a very well established track record with fines from state and government agencies for doing this exact thing

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Medical) with SYNCHRONY FINANCIAL (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony bank starts calling about 1 & 1/2 weeks before payment is due from XXXX until XXXX XXXX or XXXX times a day I have ask them not call they have been getting paid so stop harassing me they use automated/robo calls that messages on my answering machine they send e-mails and they use live persons even though I pay they just keep calling every month all day every day until they receive the payment this has been going 4 or 5 months I have repeatedly asked them to stop to no avail

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: PLEASE KEEP ALL MY SEPARATE COMPLAINTS SEPARATE. 
BREACH OF CONTRACT ( RESPONSE ) Sunday, XXXX XXXX, XXXX XXXX XXXX 1 I am really disgusted with the lack of customer service at Nationstar. It still seems to be the same run around. I do n't need information out of your book on dead line dates and what needs to be done after that. I need to know why after 3 different times of me sending in the application for the loan mod, hardship affidavit, dodd frank and the XXXX. How you can tell me that it was expired.? 
2 Why would the letter received as your response say, '' However, the application never got to the approval status as a complete package was never received. No documents were received after XXXX XXXX XXXX? SEE EXHIBIT XXXX 3 Was there a request for something? 
4 Solar energy profit and loss? That was never requested. SEE EXHIBIT XXXX 5 The letter states that it was closed due to an incomplete package. " Unfortunately, a denial letter was not generated due to a processing error, at the time the denial occurred for the following reason. '' 6 The truth be told, the reasoning for the closing of my home loan mod request was in fact due to the emotional and mental beat down that Nationstars SPOC stomped me in the mud I filed BK due to the fact that : XXXX XXXX informed me on XXXX XXXX XXXX that he did n't have enough time to get into underwriting. 
7 WHY? Would XXXX email me on the XXXX XXXX XXXX and tell me that he has escalated it to underwriting? XXXX XXXX XXXX tell me that he did n't have enough time to do so? XXXX XXXX XXXX was the AUCTION DATE FOR MY HOME TO BE SOLD OUT FROM UNDERNEATH ME! 
8 I am not sure what it is called. But I know there is some kind of time line of all documented movement on my file. I am requesting to see it. I want to see all documented HELP that was give to me. 
9 For the second review? Nationstar claims that it was opened in error. " Initiated on XXXX XXXX XXXX. This review was closed on XXXX XXXX XXXX, with the close reason of the review being opened in error due to the loan being paid in full on XXXX XXXX XXXX, no denial letters are sent for reviews that are closed due to being opened in error. ****DUE THE MATH ON THE HIIGHLIGHTED AREA*** *********NEED I SAY MORE?????????? /********** 10 # XXXX Is a COMPLETE LIE XXXX The letters " SPOC '' I never received XXXX of the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (GA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I 'm the creditor FULL DISCLOSURE was not said and once he got my XXXX signature WITH MY XXXX SOCIAL THE DEBT WAS DISCHARGRED SO Y IS DIS XXXX  ASKING ME FOR MONEY THATS DOUBLE DIPPING ON PPL ENUFF TO MAKE ONE MAD TO GET YO XXXX THO dats no longer my debt he is debtor and holder in due course my contract even has a promissory note I signed already u XXXX XXXX XXXX drop XXXX XXXX MY GOLDEN XXXX SIGNATURE PAID FOR XXXX XXXX XXXX XXXX AND Y'ALL NO IT a flight to XXXX  mite sum it all up for XXXX with me the wrong XXXX way anthting happen my fee schedule runimg XXXX keep playing tho.. I want my XXXX and not scared of no XXXX XXXX police 's no recorded line no false tactics the lies and XXXX  y'all do and I 'm retired vet and dis the XXXX thanks I get that 's XXXX ... it 's all fake and fraudulent BUT I 'M A NATURAL PERSON GOSE BY XXXX LAWS BUT YALL XXXX NOT BUT ON OUR EARTH LAND WITH DAT XXXX substantial law to get positive I got y'all XXXX with this lien and u got XXXX to give me my XXXX or else I will run XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue consuming my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (NM).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have been getting calls from a company called National Credit Adjusters after I already sent a letter requesting debt validation. They claimed that does n't matter and that I have to work something out today or they will take legal action. They are calling me at work after I requested debt validation. The last call was on XX/XX/XXXX at work. 

They insist that I call them and " work something out '' with them. No, they have not provided requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was called consistently for several weeks regarding a debt I am not responsible for. The collection agency say the debt originated from an XXXX XXXX XXXX account. All XXXX XXXX XXXX accounts that I have had have been paid in full.

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 09/20/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I noticed a new address was reported to my Equifax credit account. My address is the same in XXXX, NJ and the name does not match also. My name does not have an XXXX in the end of my first name.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 've repeatedly told the debt that the apartment complex was falsely trying to bill me. When I asked them for proof of the debt they sent me a paper with claims by the apartment complex with no proof of damage or their claims. They also sent a lease signed by the property manager, but the lease has no signature by myself on it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Residential Credit Solutions ( RCS ) forced me to use an escrow account, despite having no legal authority to do so. I request that all funds that were held in the escrow account be returned and refunded to me immediately. It is the only ethical thing for Residential Credit Solutions to do. There was also an overpayment in the amount of exactly {$130.00}, I request that this amount be refunded as well. 

Please see the attached letters from my lawyer, XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. These letters clearly narrate and state the abuses committed by Residential Credit Solutions. I have paid my property taxes on time for over ten years now, without ever missing a single property tax payment. I do not see why RCS assumed the responsibility of paying my property taxes, and without my permission or consent. RCS had no legitimate or logical reason to do this. Please see the attached XXXX RCS statements and XXXX of my own bank statements that show the amounts that RCS was charging me in escrow fees. Please note that my monthly mortgage loan payments are exactly {$2600.00}. 

Finally, Residential Credit Solutions informed the Consumer Financial Protection Bureau that they were in fact going to help my refinance my mortgage loan. Please see the attached letter from RCS dated XX/XX/XXXX. They did not help me, they instead transferred the servicing rights to my mortgage loan back to XXXX XXXX XXXX. Please see the attached letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I called Equifax in regards to a dispute the agency placed on the XXXX account and asked for the dispute to be removed. One agent told me it would be updated right away, his supervisor told me it would be removed within 24 hours, another agent told me 72 hours, and the last representative told me a request was never even input, and provided me the above case information. When I talked to another representative again, she said there was nothing pending removal.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX XXXX XXXX I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and  Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the XXXX Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a XXXX customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by XXXX XXXX that literally has been added onto my current mortgage loan. I am attaching both copies of Transunion and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ 271,000+. 
Clearly ... this appears to be another retaliation from XXXX due to several complaints that I have filed with the XXXX XXXX XXXX XXXX and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, XXXX 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 09/26/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (SC).
Issue: Trouble during payment process

Complaint: I have a refund that is due to me, I had an escrow analysis done on my account on XX/XX/XXXX and since that analysis I am due a refund of 2100.00. I switch jobs in XXXX and had issues with my payroll so that cause me to lack on payment. I was told if I made a payment by the 15th they could cut me my refund check. Well time passed on and never received my check. Called in XXXX and spoke with a very rude customer service rep and I paid a payment onXX/XX/XXXX thinking my refund would be rushed and I would have it in 14 days. Well come 14 days which was afterXX/XX/XXXX I was told the check was n't cut because now it was afterXX/XX/XXXX. I explain to the young lady that I was told the check was already cut. She explain to me that she does n't know why I have n't received it but she would put in another request. On last week I called to follow up on my check and the rep told me that they did n't process the refund bc I was now due for XXXX but what she could do is take my payment for XXXX and XXXX out of my escrow refund and cut me a check of the difference. I explain to the young lady that XXXX payment will be paid, they would only need to take XXXX 's payment out of the refund and cut me a check for the difference. The customer service rep then called me back from loan care headquarters and told me she spoke with a manager and she would need me to send a request to the customer service email in order for her to take XXXXXXXX XXXX payment out of the escrow refund and she will cut me a difference in a check. Well I sent an email to customer service giving them permission to take XXXXXXXX XXXX payment out of my escrow refund and I also received a confirmation number from the email. Well I called todayXX/XX/XXXX to do a follow up and another customer service rep explain to me that I was misled and was given the wrong information. He said they would n't be able to take XXXXXXXX XXXX payment out of my escrow refund. He apologize and ask about the XXXX payment, well I told him I do n't have XXXXXXXX XXXX payment bc I was advised on last week that XXXX payment would be take from my refund and a check would be cut to me in 14 days ... .well I was lied to again! I spoke with a supervisor on today and she apologized and place me on hold to see what she could do to make it right. Well she could n't do anything either but tell me sorry and that she would listen to the call and find out who gave me false information. I am so upset because I have a refund that 's do to me sitting there and now I will be a month behind in my mortgage because I spent XXXX XXXX payments towards another bill because I was given false information. I have been given the run around on this account since XXXX, I 'm so tired of fighting this battle with Loan care.

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