milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2017 about Vehicle loan or lease (Loan) with LENDMARK FINANCIAL SERVICES (SC).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I have a loan that held a title as collateral. The car stopped running shortly after and the loan company allowed me to drop insurance on the vehicle. The loan went into default and they refuse to repossess the   XXXX   off my ex husbands land or give me the title so I can dispose of the car. I have called them and left messages but no one will call me back. It 's  XXXX  in  XXXX  sc

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call regarding a debt which is not valid. The debt collector stated, and repeated, then confirmed that if I did not pay this debt I do not owe, or provide information from my insurance company, they would file a complaint with Washington State Department of Licensing to have my license suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Credit card) with Stillman Law Office (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not recall receiving any notice of right to dispute or validation of debt. The Stillman Law Office filed court motions for a alleged credit debt sending only a statement. They then dismissed that case in XXXX of 2015, only to reopen to attempt to collect and gain more time for discovery. This office has been cited for multiple violations of Fair Credit Collections Acts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Settlement process and costs

Complaint: As stated in the past my father has been a victim of many kinds of theft, theft of property mostly while being harassed for the last 42 years plus as well his mother and father before that. New developments have come to light that OCWEN Mortgage services has been involved with XXXX XXXX XXXX in the matters before the Supreme Court Washington State involving XXXX Original Orient District Free Hold, whereas the Counties and the Lawyer 's as well as the Courts, Banks and Document Holding Companies are allowing this to happen based on lies and deceit of fraudulent XXXX as Documentation to induce Forefieture by way of XXXX and XXXX XXXX et. seq. illegally, XXXX XXXX ; XXXX is the Victim and has paid for all these properties several times being tricked by title company XXXX XXXX XXXX and also others listed above in thinking he was in debt so far never to recover and only way was to sell then refinance as to asset was already paid in full and use equity in favor of other parties committing fraud against the consumer and creating fraudulent documents in pairs or triple document sets only altering and only giving partial disclosure to all involved, Now the XXXX XXXX XXXX has said XXXX is the Insured yet no one allowing coverage to the insured customer and without access to the property because of thugs and harassment, i.e XXXX XXXX assaulted by many at store in XXXX someone unplugs phone during call to XXXX and Officers tell XXXX XXXX and XXXX to stay off property they own because of fraudulant paperwork a lawyer did, still to this day after filing a law suit no help, courts have administratively stayed this matter but never mandated to lower courts because of dishonest Lawyers and Title Companies. 
Also Title company XXXX states XXXX sold these properties but they were refinanced XXXX/XXXX then sold without XXXX XXXX and XXXX had complained as much as anyone could legally about fraud to bank and others involved. XXXX has been Maker since XXXX according to developments forwarded to CFPB and being The Insured even to the Original Purchase of XXXX funny Dad and us did n't buy the property till XXXX and payed out the ear after gifted to my dad from my step mother XXXX XXXX? This is the tricks these companies pull with judges, lawyers, clerks, and congressmen and weman, i.e XXXX XXXX is allowing this to happen he has been contacted numerous times and ignored also said it 's OK to HIT AND RUN with a Suspended License and Assault with a Vehicle a XXXX man if you or your parents work for the XXXX XXXX will help otherwise DIE & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: During years XX/XX/XXXX through XX/XX/XXXX my husband and I tried to obtain a loan modification through XXXX XXXX XXXX. Our loan was transferred to Green Tree, we were approved for the modification, and faithfully made our payments, but Green Tree dropped the ball by not communicating this info to XXXX XXXX XXXX. Thus XXXX XXXX XXXX filed a foreclosure XX/XX/XXXX, due to non- payment. But the real problem is there was never any communication between Green Tree and XXXX XXXX XXXX. 

After our case went to court the judge stated it was not XXXX XXXX XXXX 's responsibility to know that we were making payments, and that it was our responsibility to relay this info to the bank. However, my husband and I was of the understanding that we were now doing business with Green Tree Servicer, who during their collection of our funds kept transferring our case to a different customer service rep who could never find any records of our payments or phone communications. 

As a veteran this writer should not have to be subjected to this type of treatment after serving her country. I have been devastated by this action, and is hopeful my husband and I can be compensated for the mortgage payments we poured into our home. Since XX/XX/XXXX we have been renting, and our credit is destroyed. Is there anything we can do at this point to recoup some of our losses '? Green Tree Servicer continues to harass us by sending monthly collection letters, even after the property has gone into foreclosure. 

Thank you, 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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: American Education Services ( AES ) XXXX XXXX XXXX XXXX, PA XXXX XXXX AES is reporting to XXXX and XXXX a 60 day late in XX/XX/XXXX. <P/>The account was NEVER late. The account was in forbearance mode, and then refinanced and closed. <P/>I contacted AES XX/XX/XXXX. XXXX updated their information, but XXXX and XXXX continue to read a 60 day late in XX/XX/XXXX. <P/>XX/XX/XXXX I contacted XXXX and XXXX. They told me to contact AES. XX/XX/XXXX I contacted AES whom told me the information was updated and sent to the credit reporting agencies. AES told me to contact the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 mailed a Multiple  Inquiry Removal Letter  on  XXXX   XXXX ,   XXXX   by certified mail to Equifax in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They responded with a letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response so quickly after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home soon and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: All of the above categories apply. This company, XXXX XXXX, contacted my husband XXXX XXXX on XXXX XXXX, XX/XX/2014. The representatives name was XXXX XXXX. She did not state that this was an attempt to collect and a debt nor did she verify she was actually speaking with the proper person. He told her to speak to me and handed me the phone. Again she did not inform me that this was an attempt to collect a debt, or that the call may be monitored or recorded for quality assurance, etc. She stated my husband owed almost {$4000.00} for damages to XXXX housing that we had moved out of over 9 months prior. When I asked for documentations of charges, she had another person, XXXX XXXX, email me our move out check list ( which I already had and does not state this amount ) as well as something handwritten on hotel stationary. When I called her back and told her that this was not acceptable, she stated that she did n't have to provide us with anything else and she would pursue legal action. She was incredibly rude and hung up on me. I faxed over documentation from the XXXX housing 's maintenance department that showed consistent contact between myself and maintenance to have my carpet fixed due to error on the maintenance workers part. We stopped hearing from this company after that until yesterday, XXXX XXXX. Within 2 hours, the same representative, XXXX XXXX, called both my husband and my cell phones XXXX times. The XXXX time I answered she did not verify my identity or tell me it was an attempt to collect a debt and started out by stating she never received our carpet documentation and my husband needs to settle this account. She stated that we signed the lease ( I was nowhere on this lease due to the fact that it was XXXX housing ) but told her I had a copy of that and the move-out inspection which shows different than whatever documentation she has. Again she refused to provide us with any documentation of this alleged debt and I told her I knew my rights as a consumer. She hung up on me. An hour later she called back and said " XXXX and once again hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 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: On XX/XX/2015, I submitted payment for my XXXX mortgage via the only option that XXXX XXXX made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, XXXX did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problems caused by my funds being low

Complaint: I had a checking account XX/XX/XXXX with Huntington Bank. I had a item that returned and was NSF fee at the time. This fee was unpaid due to the lack of me being able to afford it and over time the fees were just tacked on to make my balance {$170.00}. I have since then filed bankruptcy in XX/XX/XXXX. Today, I have a checking account with this same bank and have for a year now. Today I wake up to my account being short {$170.00} because they decided after three years and since then a new account, they would take their money without me being aware of it. This debt has not only been sent to collections but was also included in my bankruptcy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sr. or Madam, My name is XXXX XXXX .My loan was with XXXX XXXX XXXX . I try to modify my loan while with XXXX XXXX XXXX and they denied me because I do n't live in the property. I lived in this property ever sense I bought it. Loan was transferred to Seterus account # XXXX. Property location is at XXXX XXXX XXXX XXXX XXXX Ca XXXX. When my loan was transferd to Seterus they paid my taxes on XXXX/XXXX/15 in the amount of {$4200.00} when my payment was already in and on time. I paid according to Seterus {$870.00} of late fees for taxes being send late.. I do n't understand why I 'm paying late fees for. I was sending so much money to this account for taxes and they would put it in suspense. I tack to supervisor and I get their promise that they well put my money where they suppose to. 
There were XXXX occasions that they told me that they taken money of {$240.00} from escrow account to satisfied to late fees. All late fees have bean removed and now I do n't know what happen to that money .All the money I was sending was deposited as a suspense deposit. I was calling them so many times an order to be told that they ca n't reverse the transactions done before. I need all suspense money that was applied to principal to be moved to pay taxes and balance to be send back to me. I want to know what happened to money that they were taking out from escrow to pay late fees. After that late fees were removed from my account where the XXXX x2 went to.They told me that they paid my house insurance. I called insurance company in order to be told that they did n't get money from escrow account. I called Seterus to ask what happened to my money they said : '' We paid for the the balance of your taxes. I have no idea what they are doing. Please help me clear this mess with them so I can have my life back. This is taking so much of my time. Your help would be greatly appreciatedSincerelyXXXX XXXX XXXX XXXX XXXX Ca XXXXPlease fine enclosed transaction history : exibit # XXXX transaction history

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SS # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DL Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2018 about Mortgage (FHA mortgage) with MidAmerica Mortgage Inc (GA).
Issue: Trouble during payment process

Complaint: Hello, I closed on my home in XX/XX/XXXX. I had an FHA loan. The Value of My property as listed in my mortgage company 's system is {$45000.00}. My initial Total Loan was for {$47000.00}. 

I was reported that PMI on my loan would be removed once my principal balance was less than 80 % of my total loan AND once my loan was 5 Years old. 

The 5 Year Mark was XX/XX/XXXX. 
80 % of my total loan is {$38000.00} 78 % of my total loan is {$37000.00} Here is the history for my principal balance : XX/XX/XXXX Principal Remaining {$37000.00} XX/XX/XXXX Principal Remaining - {$37000.00} XX/XX/XXXX Principal Remaining - {$37000.00} XX/XX/XXXX Principal Remaining {$36000.00} I have reached out multiple times included today to my mortgage company without giving a reason to why it hasn't been removed. Today I was told it was be a system error in one of their departments and to submit another email request to see if it gets taking care of. Instead of submitting another email request, I would prefer to try this route now to ensure the right people are looking into the situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: All webpages referenced in this complaint will be cited in this fashion : ( XXXX ), ( XXXX ), ( XXXX ). The corresponding XXXX links for each webpage will be provided at the bottom of this complaint. 

On XXXX XXXX, XXXX the credit reporting agency TransUnion altered their website in order to implement predatory sales tactics. In the wake of the Equifax information breach, TransUnion has significantly altered their page regarding information on credit freezes. The initial page ( XXXX ) provides detailed information on the nature and scope of a credit freeze ; not once mentioning any product or service provided by TransUnion. As of XXXX XXXX, XXXX the information on this webpage has changed drastically. The current webpage ( XXXX ), in step XXXX, explicitly offers a TransUnion service as a part of " locking '' your credit file. The information on TransUnion 's service is listed higher and is more prominently displayed than the information on credit freezes. The intial page ( XXXX ) was a detailed, effective explanation on credit freezes. The new page ( XXXX ) leaves credit freezing as a footnote at the bottom of the page. This is in spite of the fact that the new page remains titled " place-credit-freeze '' in the URL. 

Under the current minuscule information section on credit freezes, there is an XXXX link. That link takes you to this page ( XXXX ). This page SHOULD provide detailed information on the advantages and disadvantages of credit freezing, much like the initial page ( XXXX ) once provided. Instead, this webpage ( XXXX XXXX attempts to weigh the pros and cons of " locking '' and freezing, providing another opportunity for TransUnion to offer their credit " locking '' service. Finally, the most egregious section of this complaint comes from the table of comparison seen in the middle of the webpage ( XXXX ). This table could not be more obvious in its bias. It is an explicit attempt to sway unwitting consumers away from credit freezing and towards the service offered by TransUnion. In XXXX bullet points, the table proclaims that freezing your credit will cause you to pay fees, wait for your information, and lose control of access to your credit information. In that very same table, TransUnion proclaims that " locking '' your credit will be instant, independent, free, and online. The juxtaposition of these explanations is stark. Freezing is bad, " locking '' is good. Considering the massive identity theft potential of the Equifax data breach, and subsequently the current seriousness of a credit freeze, I find this behavior to be despicable. 


Cited Webpages ( XXXX XXXX https : XXXX : //XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 09/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife 's cell phone ( not even my phone ) keeps getting calls from people asking for me, who will only give their first name, and refuse to say what the nature of their business is with me. When we call the number back ( they use several different numbers ) it is all from a Debt Collector called " Portfolio Recovery Associates. '' They have been told that I do not owe them or anyone else any unpaid debt and to stop calling my wife 's cell phone. I had to disconnect my house phone due to the harassing nature of the calls.

Company response to consumer: Closed with non-monetary relief