milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (LA).
Issue: Loan servicing, payments, escrow account

Complaint: We have requested information from roundpoint concerning payment information this company has refused to follow legal documents and have added all types of additional fees and interest, we have sent in copies of documentation this company refuses to follow and know sent a default and intent to accelerate we have all receipts from making good faith monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Im on a payment plan with my lender. They called and text and harassed me saying I didnt make my monthly payment and I did. They finally realized their error on the last day of the month with no explanation just we are sorry thanks. I am concerned that they are not keeping proper accounting records.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently got denied credit from XXXX for a personal loan and also for a credit card from XXXX for.XXXX, i believe someone is using my personal information and applying for businesses and credit cards from states i have never lived in or even visited, the only states i ever been to is XXXX, XXXX, XXXX and XXXX nowhere else, i dont even have family in other states just 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 03/31/2017 about Debt collection (Auto) with COOLEY ENTERPRISES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am told by equifax that I am a potential victim in their security breach. This improper protection of highly sensitive data opens me up to possibility that may include identity fraud, unauthorized credit usage, and unauthorized access to personal documents.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: We are XXXX and XXXX, A new company, Ditech has bought our mortgage from Greentree. Since then they took extra money held in our escrow acct. that should have stayed there to pay our Property Tax and or our Mortgage Insurance and sent us a check. We did n't realize that this would put us behind later on. Now they have raised our monthly payment. To make matters worse we have sent them More than enough extra money in the last 3 to 4 months to put in escrow to take care of the shortage and hopefully LOWER our monthly payments!! NEITHER HAS HAPPENED AND THEY DO N'T SHOW THE EXTRA MONEY WE PAID ANYWHERE ON OUR STATEMENTS!!! IT 'S AS IF THEY HAVE JUST POCKETED IT!!! NUMEROUS CALLS TO THEM HAVE HELPED!! 
WHAT CAN WE DO? WHO CAN HELP? DO WE NEED AN ATTORNEY OR CALL THE LAW IN AS IT SEEMS LIKE WE ARE BEING EXTORTED!!! 
PLEASE CAN YOU HELP US???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Credit card) with Collection Information Bureau, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: in XX/XX/XXXX, a company that no longer even has a website called XXXX Credit card services, address XXXX XXXX, XXXX, NY XXXX, called me and told me they would consolidate my credit card balance to a new card with a 0 % interest rate for the life of the card. they opened a new XXXX XXXX credit card for me without even moving the balance over and it was a credit card that had a 0 % interest rate for the first year and that 's it. they charged {$720.00} for this and after i realized they never completed any service besides opening a new card for me that i could have done on my own and lied about a 0 % interest rate for the life of the balance, i got in touch with the XXXX and FTC where it was finalized that i did not owe anything to them in XX/XX/XXXX while on my honeymoon XX/XX/XXXX, i got a call from XXXX called CIB collectors saying that carenet has pushed my information to them for their unpaid amount of {$720.00}. The individual Named XXXX was extremely unprofessional while I trying to explain that this had been taken care of three years ago and he kept interrupting me and saying that it isnt taken care of. I want to file a complaint and have this taken care of once and for all. I do n't understand why it has been resurfaced after 3 years after I took the right actions to end this years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo has very high interest rate for my mortgage. We just want our interest rate to go down so we are able to pay for our mortgage and lower the monthly payments. They keep raising the loan amount. Due to this it has impacted on my health.

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 12-07-2015 about Debt collection (I do not know) with Premier Portfolio Group (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I keep getting phone calls from this company threatening all sorts of consequences, but I do NOT owe whatever they are calling about.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX/XXXX was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting XXXX XXXX to correct the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. XXXX XXXX has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. XXXX XXXX started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XX/XX/XXXX - XX/XX/XXXX. Then bank late from XX/XX/XXXX- to present. During the months where they report current in XX/XX/XXXX, there was no  communication with XXXX XXXX. Why would they report current for some 5 months and then late again. No written communication from XXXX XXXX has been received since the discharge. My attorney stated that XXXX XXXX was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr XXXX XXXX period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief XXXX has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. 
I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MD).
Issue: Problem when making payments

Complaint: I have asked that they do not call me at work but they continue to

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Medical) with Receivable Recovery Services, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Receivable Recovery {$220.00} for all debts I had on my credit report on XXXX/XXXX/2015 by Debit Card to XXXX XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 07/15/2017 about Debt collection (Other debt) with AFNI INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This item from   XXXX   XXXX   XXXX   first appeared on my credit report in 2015 by another collection agency   XXXX   XXXX    XXXX  it was found not belong to me so the item was deleted. I recently received a copy of my credit report and noticed that AFNI was on my credit report for the same account that was deleted in 2015. AFNI has yet to provide me with legal documentation showing this debt belongs to me. I do n't want a letter attached with a bill I want a contract with my signature and identity attached

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 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: Old information reappears or never goes away

Complaint: Experian credit reporting agency deleted XXXX XXXX XXXX and XXXX account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down 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 explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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: Equifax confirmation number : #  XXXX  I have disputed an item with credit reporting agency Equifax and I am filing this complaint because they have failed to provide me with documents they have on file that are being used to verify the information being reported. Being that they have gone far past the 30 day mark and can not verify this account, under secti on 611 ( 5 ) ( a )  of the Fair Credit Reporting Act, they are required to 'promptly delete all information that can not be verified '. Please solve this issue as soon as possible.     I appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Once again I am requesting your help in dealing with Navient. My original complaint was made in XX/XX/XXXX. ( XXXX ) It was not resolved and I am hoping that my concerns were noted in the CFPB Navient complaint on XX/XX/XXXX. I have paid XXXX/Navient over {$95000.00} ( almost 3x loan amt. ) since XX/XX/XXXX. Since XX/XX/XXXX, I have paid {$30000.00} out of my Retirement account. Although I was told that would pay off my account Navient said that I still owe {$37.00}. When will this end? 

XXXX was unable to locate payment records prior to XX/XX/XXXX when I requested all my records before they merged with Navient. I was charged numerous late fees ( avg. $ 12- {$19.00} ) placed in forebearance when I attended school and laid off, denied XXXX Forgiveness although I XXXX for 11 1/2 years. I was a XXXX for over 14 years working for the XXXX. I could never figure out what they were allocating my payments to : late fees, interest, or principle. I never defaulted. No matter how much I paid, I could never get this eternal loan paid. I know I fell between the cracks, but now that I 'm XXXX years old, I hope you ( CFPB ) can help an old lady out by making things right. 
Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of 18 inquiries that I did not authorize. They are as follows : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXXXX/XX/XXXX5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXX 9.XXXX XXXX ( 2 )XX/XX/XXXX10.XXXX  XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX12. XXXX XXXX XXXX XXXX ( 5 )   XX/XX/XXXX, XX/XX/XXXX13.XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX  XX/XX/XXXX15. XXXX  XX/XX/XXXX16 XXXX XXXX XXXX  XX/XX/XXXX17. XXXX XXXX  XX/XX/XXXX 18. XXXX XXXX  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 06-06-2016 about Debt collection (Medical) with Monterey Financial Services LLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was recently contacted by Monterey Collections via US mail requesting payment on a debt that I do not believe that I owe. I have responded to them with a letter of dispute and request for cease and desist in their pursuit of collection. 

Monterey Collections is seeking to collect on behalf of XXXX XXXX XXXX ( XXXX ), XXXX for XXXX that was performed on XXXX/XXXX/2014. As explained by my physician at the time, and clearly printed on the company brochure, " if it turns out your insurance company does not cover a specific test, XXXX, XXXX assumes all the risk ''. I have sent, via certified mail, copies of the EOB from XXXX XXXX XXXX denying payment for service rendered. 

I have now received an alert from XXXX, the company who monitors my personal and financial information against fraud and identity theft, that Monterey Collections is " listed as a new account on [ my ] credit report ''. 

I have made three attempts to contact Monterey Collections by phone but was sent to voice mail each time where I left detailed messages and requested they return my phone call to discuss this debt. After no response from them I have mailed a cease and desist letter along with copies of all the information from both the insurance company and a copy of the original agreement with XXXX , XXXX as noted above. 

I have very good credit and have worked hard to achieve this. I am retired and proud to say that I do not have any current debt. I do not feel that it is fair that I may be forced to hire an attorney to resolve this matter when I feel it is a clear example of unwarranted consumer harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a complaint with department previously ( Case number : XXXX ). My mortgage company, Nationstar, responded that they " needed more time to respond '' and then CFPB dropped the ball and there is nothing further in the file. The issues have not been resolved. The mortgage company has not granted the promised modification, even after asking me to sign, notarize, resend the documents, and send more payments- all of which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with Atlanticus Services Corporation (IL).
Issue: Charged fees or interest you didn't expect

Complaint: Aquired a loan from Fortiva. I made a payment by phone on XX/XX/XXXX ( confirmation number XXXX ) in the amount of {$300.00} for the XX/XX/XXXX and XX/XX/XXXX payment. It was withdrawn from my account on XX/XX/XXXX. I made another payment of {$150.00} on XX/XX/XXXX ( confirmation number XXXX ). It was withdrawn from my account on XX/XX/XXXX.
I was then contacted on XX/XX/XXXX - XX/XX/XXXX for failure to pay in XX/XX/XXXX. I am now facing interest charges. The customer service department stated that since " I did not process my payment during the correct billing cycle '', both payments were applied to XX/XX/XXXX, and none applied to XX/XX/XXXX. Therefore, my XX/XX/XXXX bill was considered late.
They could not apply the money to the correct billing cycle since " it is an automated system '' and they had no way of applying the payment to the correct billing cycle.
Furthermore, since I had paid a 2nd XX/XX/XXXX payment and my XX/XX/XXXX payment today ( XX/XX/XXXX in the amount of XXXX ) they could not cancel the payment since it was paid through the " automated system '', of which they can not change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (VA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX, XXXX XXXX sent my title company a payoff letter stating that my loan payoff would be {$240.00}, XXXX ( {$240000.00} principal + {$1300.00} interest + {$46.00} documentation fee ) through XXXX XXXX, XXXX. We actually paid the loan off on XXXX XXXX, XXXX. To date XXXX XXXX has refused to refund the interest overpayment. Per their website, the payoff was applied as follows : Principal {$240000.00} Interest XXXX Escrow XXXX Total {$240000.00} To date through numerous secure messages and phone calls, XXXX XXXX has refunded my escrow balance but has refused to refund my interest overpayment or explain why it has not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with Avantus, LLC (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Im just XXXX my info has been use a lot. A lot of false info and reports

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: I have disputed the validity of a XXXX XXXX XXXX account on my credit Reports. I sent a dispute directly to XXXX XXXX XXXX in XXXX 2017 and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to Equifax and XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Debt collection (Other debt) with Nevada Credico, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX of XXXX XXXX Nevada, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX : ( XXXX ) XXXX, received my account, # XXXX from a XXXX, XXXX XXXX XXXX XXXX for services rendered. After making several payments I fell behind and debt was referred to Quantum Collections for collection. Quantum received my account from them in XX/2015 The amount of that debt was originally approx {$1200.00}. Quantum Collections never attempted to provide any written documentation to me and has been adding fees and interest since this time. I only found out about this debt with the collection agency after checking my credit report. After continuing to monitor my credit report, I realized that Quantum has been increasing my debt owed monthly. My current balance with Quantum Collections is {$1400.00} At no time did I ever sign or verbally agree to any interest either with XXXX XXXX or Quantum Collections, nor did they provide any documentation to me detailing an agreement, or their receipt of my debt.

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 Consumer Loan (Installment loan) with EQUIFAX, INC. (FL).
Issue: Problems when you are unable to pay

Complaint: Acct # XXXX XXXX balance was paid. Inaccurate balance being reported.

Company response to consumer: Closed with explanation