milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: FIRST REQUEST/Sent to Account Manager : On XX/XX/XXXX when I sent {$40000.00} to bring the mortgage up-to-date, I requested a statement to outline how the funds were distributed, along with mortgage coupons. The amounts from the XXXX ( XXXX ) lawyers involved did not match the last amount from the mortgage company. According to the calculations when they all matched, I sent {$390.00} over the amount due. I advised in the letter dated XX/XX/XXXX, that I would be using the overage to apply to future loan payment. I included all the documentation I had received to-date from the lawyers and them. Please note that the {$40000.00} included XX/XX/XXXX and XX/XX/XXXX mortgage payments. 
SECOND REQUEST/Sent to Account Manager : However, when I sent the XX/XX/XXXX payment on XXXX, I still had not received the statement requested on XX/XX/XXXX. I made the check out for {$140.00} less, indicating to utilize the overage from the {$40000.00}. In addition, I included another letter requesting a statement of how funds sent to date were being distributed and also included the documentation I sent with the {$40000.00}. 
THIRD REQUEST/Sent to Payment Processing Center : However, prior to sending the XX/XX/XXXX payment on XX/XX/XXXX, the Account Manager contacted my lawyer and advised him to tell me to stop sending him the payments and that I needed to send the {$140.00}, I did not include with the XX/XX/XXXX payment and to send payments to the payment processing address. He also stated that they do not send coupons Now what mortgage company does not acknowledge receipt of mortgage payments. However, I still had not received the statement I requested on XX/XX/XXXX and XX/XX/XXXX. So on XX/XX/XXXX I sent the XX/XX/XXXX payment with the {$140.00}, along with another request for a statement and coupons, to the mortgage processing address supplied by the Account Manager. I also made a verbal request to my lawyer to request a statement. 
FOURTH REQUEST/Sent to Payment Processing Center : On XX/XX/XXXX, I sent the XX/XX/XXXX payment, with a letter requesting statement and coupons. 
Please note that my lawyer has also requested this information several times on my behalf. 
So now I am soliciting your assistance to obtain a statement of how the {$40000.00} sent in XX/XX/XXXX was applied, as well as statements for payments sent for XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (TN).
Issue: Problem with additional add-on products or services

Complaint: Hello CFPB, I am writing to you about World Finance company? I am XXXX XXXX. It seems as though since I got the loan I have had problems after problems. At first, XXXX XXXX, was my worker, and he left the company? then XXXX XXXX, was my worker next and she was nice to me and worked only with Me. And she has now left the company, there are only ( 2 ) People in the office at World finance company at XXXX XXXX XXXX Tennessee, XXXX. Now every since I got the loan, I have been plagued with extra money, like XXXX more late fees charges. I was told I could send in half and pay the other part, when the date is due way before the XXXX or before then, they are sloppy and do not care about their customers. now they say you need to pay the whole loan off now? Ok I only owe {$40.00} they have called my HOme, several times. my school and my daughters and sons. Now I am just tired of them? this is no way to do business at all.? I am intending to pay them but if this tactic keeps up I will just withhold my funds from them until they quit calling here, and go downtown and file a squash motion to have them thrown out of my credit report. they do not know who they are messing with, I am partial a XXXX and I know my rights ok. this is a Bully tactic and I shall tell the Judge when he hears my case. This just needs to stop now? I see why everybody is leaving and they really should go out of business because no one is coming there anymore anyway? they are just Ridiculous? This no way to carry on in Business worlds. So the total pay off, is {$290.00} I shall remit to them soon and I never want to see any one In this company again. even XXXX XXXX left  them too. Her daughter open a XXXX and she now works for her. so you see people can move on. I do plan to pay them but I need for them to stop calling my address I am not going to pick up the phone and just leave me alone because I do intend to pay. No need for the Bully tactics they are Using, XXXX is new but she is the worst one, she needs to go back to street fighting because that is all she knows how to do, no one in XXXX tennessee is going to fight her she is just not that Interesting to Any of Us. I hope she knows that too. Be cool and leave me the XXXX XXXX XXXX alone lady.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 've had public record information that does n't belong to me removed from my credit report along with other accounts that do n't belong to me added back to my credit file. My file continues to consist of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax has announced on XXXX XXXX, XXXX and I have confirmed that my personal information has been compromised. I am extremely frustrated for several reasons : - My information is again out there for people to steal and open up accounts against my name - I have unsuccessfully tried to get their website to freeze my credit to work, likely due to me and 143 million other people trying to do it at once - I now have to spend additional money with 3 other credit bureaus to freeze my credit there as well as spend more time doing so. This is also an inconvenience when I try to obtain credit as now I need to provide pins and turn it off and on. 
- And to top it off they ca n't communicate the correct website address to use to check if you are included. I also question the security of providing 7 of 9 SSN  digits to confirm my info. 

It is obvious that Equifax is not capable of handling such information. They should be liquidated and the proceeds be paid to the 143 million people they have impacted. I am sure the 3 other credit bureaus can be used instead.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Home equity loan or line of credit) with RABOBANK, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX IA XXXX To Whom It May Concern This letter is to request help ; we have just learned that our XXXX on our home with Rabobank has entered into foreclosure. We had a line of credit that we have been paying on without issue, it matured in XXXX XXXX which we did not realize and never received notice from bank. Around XXXX XXXX when payments were not being credited out our account correctly I went into the local bank in XXXX and learned our credit line was due and we need to refinance which I obtained the paperwork and began the process. Around XXXX of XXXX I learned that the bank had started the foreclose process and all paperwork which was turned into local bank was relocated to the foreclosure division. I worked with a XXXX XXXX whom turns things over to someone else about month ago. I have completed all items that I 'm aware of and not word or understanding on where we are in process. I want to save my home please HELP! 
Questions please let me know. 
Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/15, I bought a property located at XXXX Ca and was issued a loan thru XXXX. 
I am disappointed because my mortgage loan I got with the above mentioned companies are increasing my payment by about {$380.00} a month because I believe the loan was not properly executed as the Escrow account was not calculated correctly. Therefore I currently have a deficit in my Escrow account in the amount of {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Meade & Associates, Inc. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was contacted by a female from Meade and Associates on XXXX/XXXX/2015 in regards to a balance owed to XXXX in the amount of {$150.00}. I spoke to a lady who inquired about a payment she stated that agreed to make in XXXX. I never stated a firm payment date with this company and stated that I 'll will make a payment on the website sometime in XXXX. A definite date was never supplied nor confirmed to the company. The female proceeded to insist that I agreed to make a payment on a specific date in XXXX and began arguing with me. During the conversation, she stated that if I do n't make the payment today, I would be sued and would have to go to night court. This company has not provided the proper documentation notifying me of a possible lawsuit if the debt is not paid. I have yet to receive any such notice nor a notice from Meade and Associates of the current balance owed or the alleged payment arrangement. The female stated that I last spoke with them on XXXX/XXXX/2015. It 's now XXXX/XXXX/2015!!! Now, I being threatened with a lawsuit for {$150.00}? The level of hostility the female expressed was unnecessary for the amount of the debt. Especially, when I initiated the contact to learn how I can resolve the debt. If I did n't want to pay off the debt, I never would 've contacted them in the first place in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/16/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: after research and tracking down information discovered the credit bureaus and companies have reported false accounts that are a result of identity theft on my credit report i am including copies of my credit report passport ss card and police report with the fraudulent accounts that are reporting and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I accumulated student loans from XXXX XXXX XXXX XXXX after signing up to attend school there. I believe my loan amount was much more than I agreed to. This school has since loss there accreditation and has allegedly been accused of stealing money through financial aid. I have reason to believe that I am a victim and can not get compliance to validate my assumption from the School or lender.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a shortage in my escrow account so an analysis was done in XXXX and my payment was going to increase effective XXXX 2016. I did end up paying a portion of the shortage in XXXX 2016. On XXXX/XXXX/16, I requested that another escrow analysis be run since making that escrow deposit. The analysis was run and my payment was going to be lower than projected but around XXXX higher than my current payments. I am fine with the increased payment, however, Nationstar said that the increased payment was due immediately. They gave me no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent out letters to credit bureaus for accounts that I did not recognize and those reporting incorrect information. I have not received any correspondence from the companies or credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Late fee

Complaint: I signed up with a Amazon card using Synchrony Bank. My first electronic email from them was a statement that I had a late fee of {$25.00}. Amazon immediately assigned the card, but I did not get the first statement. Synchrony waived the fee and I thought the card was canceled. Somehow a {$3.00} charge went through. I was charged interest and a late fee again. 

This seems to be a modus operandi for Synchrony. Moving to electronic billing - missing emails and charging fees.

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 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Receivables Performance Management ( RPM ) LLC is reporting a collections account on my credit reports for the amount of {$550.00}. The original creditor for this debt is XXXX 

In early XXXX 2016, I sent a debt validation letter to RPM. ( Please see attached ). I received a response from RPM dated XXXX XXXX, 2016 which states " Upon completion of our investigation, we do not have sufficient information at this time to make a determination of the dispute. '' ( Please see attached ) I strongly believe that RPM should delete this account from my credit reports. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, RPM has the statutory obligation to provide me with : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and for all other charges, the date of and basis for each charge. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Verification that this debt was assigned or sold to a collector. 
Complete accounting of the alleged debt. 
Commission for debt collector if collection efforts are successful. 

RPM has failed to provide any of the above information. 

As such, I respectfully request the Consumer Financial Protection Bureau to intervene and request RPM to either provide the legal documentation I requested when I sought validation of this debt or remove this account from my credit reports.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My name is  XXXX   XXXX   XXXX . I was approached by a sales representative that attempted to sale me a service packet for   XXXX   while I was shopping at   XXXX   XXXX     XXXX  in  XXXX  Ga. I originally was interested and gave him my personal information that he said he needed to find out if service was in my area. I stated to him I did n't want him to make an inquire on my credit, because of the effect it could have on my credit report which I was in the prospect of re-building. He assured me it would n't be entered, he just needed it to call in to his office to get approval. He attempted to call twice and could n't get access on his internet. I then stated to him, maybe that 's a sign, we laughed and I told him I needed to leave and get my shopping done before my wife called to see what 's taking me so long, and maybe I would check back with him, which I did n't.   It was clearly understood I did n't want my credit processed. This inquire need to be removed without question. I would n't have never known, if not for my commitment to checking my report twice a ye ar (   XXXX  and  XXXX   ).    Thank you for your assistant.

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 10/22/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to XXXX years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Payday loan debt) with GMA Investments, LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I received a call in XX/XX/XXXX from a company called Summitt Receivables. They are a debt collector hired by XXXX. Despite this debt being several years old, I agreed to a payment plan because it seemed affordable and they were offering me a settlement of XXXX for a debt that was XXXX. I agreed to pay back the amount of XXXX in 3  installments of XXXX. I received a letter through email confirming this information. Yesterday, I was reviewing my bank account and noticed that the first amount taken out was XXXX. I called the company to inquire about this and was directed to a man named XXXX. He immediately became angry and said that there was no way this was an agreement and that he would be fired if he ever offered something like this. He then called me the " XXXX XXXX. '' He wanted to know who signed the letter and I said it was only signed Summitt Receivables but it was sent by XXXX XXXX. He then forwarded my call to XXXX XXXX. XXXX XXXX was very agitated and said the agreement was no longer valid because I did n't make the agreed upon payments. I said you have my account information and you took XXXX. She said it 's not valid and you have to make payments in the amount of XXXX. I said I could n't afford that, especially in the summer months as I am a XXXX and do n't get paid in those months. She accused me of bouncing a check to XXXX and threatened that I may very well be prosecuted. I did n't believe that I did this and she became very angry. I said I ca n't afford this, I have brakes to be repaired on my car. She said " oh now you are telling me the truth, why did n't you do that to begin with? ", " Now, maybe I can work with you. '' She again brought up the NSF check and ask me if I had ever been prosecuted. I said, No, of course not. I did not agree to the payments. She was very angry with me and basically hung up on me. I called XXXX and my bank and both told me that there was not a returned check. I called her back and she was really angry and very mean this time. She said " are you calling me a liar? '' I said, to not take a dime from my account and I was contacting an attorney. She accused me of talking to her like she was a child. She said she would send me proof of the NSF check right away, which I have not received. I looked this company up on the internet and apparently the NSF check and threat of prosecution is a tactic this XXXX XXXX uses often. This is a horrible company and should be shut down. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STATE FARM BANK, FSB (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received two notifications, via email -about this inquiry, I DO NOT know who or what this company is, Inquiry made on XXXX2017.  Never heard of this company!
Institution Information STATE FARM BANK XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation