milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold by Nationstar Mortgage in XXXX 2015. There was an escrow amount of {$3700.00} in my account. Instead of paying the taxes for that quarter, the company claims they sent the funds to the new servicer XXXX XXXX XXXX ( XXXX ) /XXXX. However XXXX claims that they have not received the funds and in turn raised my mortgage payment to account for the escrow deficiency. This has negatively impacted my credit because I was unaware. In addition, every time payments were made to my tax collector, it went to the arrears amount which resulted in late fees and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax announced in earlyXX/XX/XXXX of a data breach/hack, involving my SSN, credit card # s, addresses, etc. This will affect me and my wife ( who was also hacked ) our entire lives. Equifax offered 1 year of credit alert protection - this is not equitable. My information is out there and will be out there for the rest of time due to this.

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. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was affected by the Equifax security breach and most likely have had most, if not all, of my personal financial information stolen as a result. This includes date of birth, social security number, full address, and possibly more. This information was leaked due to their security failure, and as such they should be held fully accountable for any fraud resulting from it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Green & Sons Agency, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account was closed by me in 2009 and XXXX charged me fees after closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Southwest credit has harrased me on numerous occasions about a debt with  XXXX . I do not remember the ammount of debt claim to be owed because ive never owned a  XXXX  account. Furthermore the company is unwilling to show proper documentation ( signatures- original paperwork- invoices etc ) to prove anything otherwise. They wont even tell me the location of the accounts origination.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have repeatedly told this company this does not belong to me..Midland is the company and XXXX XXXX is the issue..I have asked for documentation where I supposedly opened this account and have received nothing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Caine & Weber has been contacting me concerning a debt transferred from XXXX.XXXX failed to communicate and validate I owed this. I canceled XXXX before this balance was due and acquired more affordable insurance through XXXX. Caine & Weber are now threatening to report this on my credit. If this is reported on my credit, it will affect my ability to get a job and many other products. I have XXXX credit & this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Credit card debt) with U.S. BANCORP (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I CONTINUED TO RECEIVED REPEATEDLY PHONE CALLS ALL THROUGH THE ENTIRE DAY AND THE CALLS WERE FROM DIFFRENT PHONE NUMBERS LISTED BELOW. 

US BANK XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX there is more dates and times repeatedly us BANK called me

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 06/27/2016 about Mortgage (VA mortgage) with AMERISAVE MORTGAGE CORPORATION (MI).
Issue: Application, originator, mortgage broker

Complaint: I started out my cash-out refinance using a VA Loan with Amerisave because they had approved me for a 3.375 % interest without paying points ( in fact they were supposed to give me {$680.00} for taking that rate ) I talked to a man at the company and he said that 's right because I have a XXXX credit score. I also received a loan estimate that showed no origination fees which he also stated they do n't charge those. Now, after a long back and forth of documents I already uploaded it was told I did n't need to send at first but then told I do need to send we are in the closing portion. I 've set a date for a closing agent to come in my house and fill out the rest of the documentation tomorrow on Tuesday at XXXX. They sent the final loan disclosure the previous Friday afternoon when they knew I was at work and could n't contact them back right away. I reviewed this final disclosure and there was and it says " Origination fees ( points ) {$2800.00} ''. So I called them out on this and they 're " looking into it '' right now, but stated those are the points to buy the rate down because they do n't charge origination fees. This is normal but as previously stated I was approved for the rate with them paying me {$680.00} because my credit score and income are within that range. So this seems to be the same " bait and switch '' AmeriSave had to pay XXXX in 2014 for, and they 've just gone back to their old ways. I will keep an update on what happens with this. My guess, they do n't get back to me until after lunch at which point I have to go into work and wo n't be able to work it out until tomorrow morning.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: Contracted with Lowes of XXXX NY to install a fence. A Lowes Credit Card account was opened in XXXX 2016 for the purpose of financing the project. As of XXXX XXXX, 2016 the fence and materials are still not installed and delivered. Lowes Credit is still charging me interest and requiring monthly payments on materials and service that they have not provided. I have made several attempts to resolve this issue with them to no avail.

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 12/31/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender HSBC Beneficial is charging me 11.29 % interest rate and refuses to work with me to lower the rate. Even though I qualify for a 3.75 % mortgage from a HUD approved lender.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Consumer Loan (Installment loan) with Ballybunion Enterprises, Inc (WA).
Issue: Problems when you are unable to pay

Complaint: They call us and harass us and I let them know our problem me they threaten us to take my husband pay and get other involved we stop payment do to low funds told them we could only afford XXXX we bought stuff worth over 2000 but have to pay them XXXX they scam military members plus the items we bought was like 2 years old and always out of date

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I used a credit repair c ompany (   XXXX   XXXX   XXXX   ) w ho promised to get me into a home. I am filing a separate complaint against them, but this one is about the credit bureaus and them not removing the disputes that  XXXX   XXXX   XXXX  filed on my behalf. I have called and sent letters on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017 , and  XXXX / XXXX /   2017  to all  XXXX  bureaus. They have not removed the disputes as I have requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2017 about Consumer Loan (Installment loan) with Sessoms & Rogers, P.A. (NC).
Issue: Managing the loan or lease

Complaint: my credit with XXXX actt # XXXX was turned over to sessoms and rogers XXXX XXXX XXXX, NC XXXX i agreed in writing to pay XXXX $ a month for 9 years or XXXX months and was happy about that. all payments are due on the XXXX day of each month, XXXX payment already made, cleared the bank XXXX WEEKS before it was due. next payment is not due till XXXX, per acct # XXXX ok XXXX payment per agreed to in writing has been made. on wednesday XXXX 2017 i giot a phone call about, i couldnt tell you, today XXXX 2017 i get a letter that said-we heard you have an XXXX representing you. I DONT. i agreed to make the XXXX $ payments buy the XXXX of every month but they just dont get it. lets re-cap- i have no XXXX and just want to make my XXXX $ a month payments and NOT GET MORE CALLS AND LETTERS FROM SESSOMS AND ROGERS, OK? end of story. tell these very unethical law firm nuts that XXXX check # XXXX has cleared the bank for my 1st payment and will do so every month or ill file a harrasment claim. they stop bugging me ill make the payments in peace and harmony. can you the fcpb help me in this matter, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with SYNCHRONY FINANCIAL (LA).
Issue: Credit card protection / Debt protection

Complaint: I have been paying on " XXXX '' for several years, since I had the card. Now that I actually need the service I have been paying for for 4 years, XXXX says Synchrony Bank cancelled the product on my account and also charged me the same day. I DID NOT CANCEL THIS. I feel this is fraudulent business practices on XXXX of XXXX of these businesses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Per the FTC the credit bureau 's have to provide me with physical proof of the information they verified for any account, the information has to be provable beyond doubt with valid signatures. Attached is a recent letter I sent them asking for a re-investigation. Each time I have asked the credit bureau to investigate this time, they send back a letter saying to contact the collection agency. The law states the the credit bureau has to prove this information not the collection agency. Thanks.

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 07/30/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a collection account listed on my credit reports by a debt collection agency, Convergent Outsourcing Inc, collecting on behalf of XXXX. Convergent Outsourcing Inc is not licensed to collect in the state of Pennsylvania and therefore I am disputing this collection account. I tried to dispute this with the BBB XXXX XXXX,2017 and was unsuccessful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Medical) with Alorica Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have several hospital bills that went to West Asset Management so that they can collect from XXXX XXXX center. I have made payments straight to XXXX center every month, never missed a month of a sort of payment. West management contacted me in XXXX trying to get me to give them my bank information so that they can deduct monthly payments automatically. I denied only for the simple fact why provide that information when I 'm already voluntarily paying XXXX faithfully. The rep stated that the only other way it wo n't go on my credit is if I agree to pay the monthly minimum of {$25.00} a month for each bill which will consist of {$75.00}. I agreed to pay that which I did. Well come to find out they lied and still reported it to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've sent Portfolio Recovery a debt validation letter XXXX 2017, requesting validation that the debt was mine by showing proof of an agreement with their client that authorizes them to collect on this alleged debt, an agreement that bears signature of the alleged debtor wherein the promises to pay the creditor and a complete payment history on this account so as to prove that the debt amount they wish to collect is correct. What I received from Portfolio Recovery Association was a letter from XXXX XXXXXXXX stating that the account reference has been acquired to Portfolio Recovery Association and three XXXX XXXX statements. This is NOT proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Account opening, closing, or management

Complaint: I 've had a checking, savings, pre-paid cards and business checking for 1 year with Fifth Third. I have had issues with the bank the entire time I had an account. The bill pay did n't work correctly and I called several times because the bills did n't get paid on the correct date that the bank GUARANTEED. I received debit cards for the business checking that never worked. One night we were in the bank in the winter, going in and out the branch because they did not have an inside ATM XXXX another disadvantage ) and the representative could not get the cards to work. They sent the cards several times and they never worked, meanwhile, we opened up other accounts elsewhere to service our business needs. We could never utilize the Fifth Third business account as we wanted to. I went in to close the account on XXXX/XXXX/2015 and the representative told me she could NOT close pre-paid cards at all. Also, she suggested I should wait a week so that the business account is 1 year old and I could avoid the {$50.00} fee. I call the XXXX number provided by her to close the pre-paid cards and they say I have to close the cards in the branch. I was very frustrated at this point. I go inside the branch on XXXX/XXXX/15 to close the pre-paids and speak with XXXX and she tells me that she can close the cards. I ask her to close the business and she tells me she can not waive the {$50.00} fee. I explain to her that the other representative told me I had to wait a week and the fee could be waived. She puts the disclosure dated XXXX2015 in my face and say 'you have to pay the fee '. I tell her about the unsatisfactory service with this branch, how we never got to use the account, and how many monthly service fees we have paid that should cover the closing fee. She does n't care, she 's quite arrogant, and refuses to help eventhough her staff mislead me into thinking the fee could be waived. It was not disclosed to me at the time of opening the account there was a closing fee indefinitely.She should have taken into consideration the inconvenience of going back and forth to the branch due to her staff lack of knowledge. I filed a complaint over the phone that night and I called XXXX/XXXX/2015 and there 's no proof of a complaint being filed and the representative states I have to go into the branch to file a complaint ... AGAIN! This branch is totally unprofessional and the manager is not training her staff properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Disputed info with credit agency to please remove the incorrect/outdated in information & it was never done.

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 04/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Pacific Union Financial, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Pacific Union Financial  sent a Collection of Debt Email to myself and  XXXX  others to my family email.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: twenty two t housands dollars charged by a fake account holder who uses my name since   XXXX   XXXX   XXXX     and have all the documents that the fake account with a diffrent adresss and citi found that it is all fraudulent activities, they have not come clean or explained what happened. my name has been given to collecting agency with negligence and they are not willing to restore my identity.

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 monetary relief
Consumer complaint received 03/14/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I filed Bankruptcy ( Chapter XXXX ) and debt from XXXX the following creditors was discharged/closed on XXXX XXXX, XXXX in XXXX NC Case # XXXX. XXXX Bank XXXX XXXX XXXX XXXX Ga XXXX ( {$3500.00} and continues to acrue on credit report to a total over {$5000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( {$1400.00} ). I have disputed the same debt with Equifax , XXXX four times since XXXX. They remove it for a couple of months then they re-report it. I have submitted copies of the original Bankruptcy documentation by certified mail in XXXX. Yet recently, I had to go back into their systems and file another dispute. Once it has been disputed once, it should be illegal to add it back to any of my credit reports as all credit reporting agencies have copies of the original documentation. I also sent documents to XXXX and XXXX Bank via certified mail in XXXX also.

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. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am reviewing my credit report and it shows a collection agency that I do not owe. The creditor is XXXX XXXX, Open date X/XX/17 for {$1700.00}. I received phone calls probably a year ago which would correspond with this date that I owed a balance with an old credit card. I verified the account they were speaking of and told them that I had in fact paid this debt off and they wanted me to send them proof because they did n't have proof. I did not feel comfortable doing so and the phone calls stopped. Now I am noticing this on my credit score.

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 12/17/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I was billed for my monthly payment of {$13.00} on XX/XX/XXXX ( a payment plan pmt. ) however, a payment {$100.00} payment was made on XX/XX/XXXX. The payment hit my checking account and was returned unpaid. I now have a {$30.00} NSF charge and you will probably charge me a NSF returned check fee of about $ 30ish ), with a possible negative reporting. 

Secondly, I have a negative credit reporting from XXXX for XX/XX/XXXX/XX/XX/XXXX payments which were e-checked from my checking account ( paid!!! ). I have been disputing that for the last six months ( even with the CFPB two months ago ), and that 's not fixed! This is a nightmare on my account. 

Today ( XX/XX/XXXX ) I have called XXXX XXXX XXXX at XXXX to close the account. I also called their lost/stolen line at their phone number, XXXX, which is a 24 hour 7 days/week line, due to suspected abuse, and all I get is, " THE CORPORATE OFFICES ( OR ) GUEST SERVICES ARE CLOSED. '' I called starting @ XXXX up to XXXX ( PDT ) ). What do I need to do to get all this corrected? SUE XXXX IN A CLASS-ACTION SUIT!!!

Company response to consumer: Closed with explanation