milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Please accept this as a formal complaint against TransUnion Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : pays as agreed - activity description : transfer/sold - remarks : transferred to another lender ' is erroneous because the house that I owned was short sold back in XX/XX/XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XX/XX/XXXX, approximately one month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I reviewed my credit with a Agency and Credit Karma is not providing the accurate scores and correct information from XXXX, XXXX as I review my credit score with a agency. My credit scores with a Financial Institution lender it reads as follow XXXX XXXX, XXXX XXXX and XXXX XXXX. CreditKarma.com displays XXXX XXXX and XXXX XXXX it does n't display XXXX. Credit Karma is misleading Consumers and our Military Veterans on credit scores and credit accuracies I have a free membership with Credit Karma. I am providing my Credit Karma information to Federal Government for evidence. My Log id XXXXXXXXXXXX Password XXXX Credit Karma credit scores and information are misleading.My credit score of XXXX is way of XXXX is misleading.Also I was mislead on credit card referral as credit karma states that my credit scores was good to get a XXXX XXXX credit card and when I applied I was denied and declined by XXXX XXXX Credit Card.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (NC).
Issue: Managing the loan or lease

Complaint: American Credit Acceptance is erroneously reporting payments after this account charged off XX/XX/XXXX. They continuously add payment history that shows payment, then they go back to reporting new 30, 60, 90 day lates to cause detriment to my fico score. They reported a paid status for XX/XX/XXXX thru XX/XX/XXXX and then 30, 60, 90 day late and Charged Off again for XX/XX/XXXX. They also continue to increase the balance owed but I have not recieved any statements. I was made aware of these errors using online versions of my credit reports but I have ordered paper copies so that I can provide them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: This can also serve as another notice of intent to file suit. Ocwen financial ignored a federal bankruptcy judges order and charged/collected interest on payments that were behind. Interest was collected first out of payments before any being applied to principal. We were presented payment records that are incomplete and can not be used for forensic review. Company is trying to collect money discharged in chapter XXXX bankruptcy by foreclosing on our home. Ocwen presented a robo signed document from Florida as a transfer to them. The loan has gone from Option One to American home servicing to homeward bound back to Option One and now Ocwen without being legally transfered. They refuse to provide our original loan documents or give name and address of actual lender. Ocwen has violated the truth in lending act, fair debt collection act, respa and h.o.e.p.a. at the least. Interest went from 11 % to 14.43 % on the morning of closing.As first time home buyers we were unaware this was illegal. Ocwen charged interest and bogus fees that were not allowed under the chapter XXXX federal bankruptcy order. This company has been sued to many times to count for the same actions. I plan to file suit in federal court to force Ocwen to abide by the judges orders and for damages from their illegal acts and hope to find as many others in Pa. as I can to join.Hope to get a class action suit besides federal court for our own mortgage. Ocwen as a history of violating consumer protection and real estate laws at will. This can be evidenced by the many class action and private law suits brought against them. Ocwen makes it 's profit by scamming people with charges and fees that are against all real estate laws and protections for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since XX/XX/XXXX, Midland Funding has been reporting an account to the major credit bureaus it says it purchased from XXXX as delinquent and in collection. I do n't believe this is something I owe. It does n't state what kind of XXXX account they claim was delinquent, and I 'm aware XXXX has hundreds of different of credit card accounts it underwrites. I wrote to dispute the debt about 9 months ago, to the address Midland reported as theirs on the report they made to XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, but it came back to me as " return to sender '' and that it was not actually their address. It 's nuts that a company ca n't even report its own address correctly to a credit bureau. On top of that, the balance on this closed and sold account keeps increasing. It was {$1400.00} when it was reported in XXXX, and yet {$1500.00} as of XX/XX/XXXX. My understanding is that once an account is charged-off ( as this one apparently is ) then interest no longer accrues. How does a closed account continue to get charged? How is Midland Funding allowed to continue reporting on an account that may not be even mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2015 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Stonegate Mortgage increase by {$300.00} a month without warning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Conituous calls to collect debt that is over card limit? I am current on payments and have NEVER been late for tha past ten years. But they call from " Collections '' asking how I can resovle my debt. I ask am I late? Did I miss a payment? The answer is no " But '' its over the limit and want to know if i want to make a plan or arrangements to get the amount below the allowed credit limit?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I an writing in regards to my credit balance with XXXX XXXX XXXX. I currently have a maximum credit limit available to me of {$800.00}, which I have owed over {$790.00}. However, I have paid this credit card down to {$280.00} and this amount has not been reported on my credit report. Therefore, my credit card utilization is incorrect and reflects inaccurate information ... which has reduced my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Sunrise has constantly contacted me directly about an old XXXX Cell Phone debt. Today, XX/XX/2017, a family member informed me that someone called him about a debt I owe. I was n't sure who could be calling him about my debt. I asked for the number, and when I called the number from my phone, the voice recognition unit ( vru ), asked that I enter the number that was called from their business. I entered his number, and a Representative asked me to confirm who I was. 

I have n't authorized this company, or any other company to contact any of my family members regarding any debts I owe. 

Please help. Thank you

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 08-10-2015 about Mortgage (Conventional fixed mortgage) with TOTAL MORTGAGE SERVICES LLC (CT).
Issue: Application, originator, mortgage broker

Complaint: Acquired a mortgage in XXXX through XXXX XXXX at Total Mortgage in XXXX, CT. XXXX rarely responded to emails after he and his staff demanded we get documentation in by a certain day. We needed our lawyer to request XXXX extensions from the seller 's attorney as a result of XXXX dropping the ball several times. He told us he would try to float down our rate, then never told us when our rate even expired, then tried to bully us into paying for a rate lock extension. XXXX many times threatened us by stating we did n't deserve good customer service and he could charge us what he chose to extend the rate. We had to ask for the GFE paperwork XXXX times until it was finally emailed. 

4 days before our closing the company all of a sudden demanded we close all our credit card accounts since they were paid off. XXXX associate XXXX, then told our lawyer we would n't be closing until at least 3-4 days after the set date. The icing on the cake was right before closing where XXXX admitted to bullying us because we asked to many questions and again said we did n't deserve good service. He then began shouting about all the loans he 's closed this year and how great the company is. Many people we worked with to close our loan were surprised and apologized for the poor service we received by this company. 

I was fine with dropping this but felt a complaint should be filed after I posted a review on XXXX and now XXXX has begun harassing me by texting my cell phone about my review. The next step if I get another text from him will be a visit to the police station in the town he does business in order to discuss harassment charges.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Student loan (Private student loan) with SLM CORPORATION (OR).
Issue: Getting a loan
Sub-issue: Denied loan

Complaint: I attempted to apply for a student loan from Sallie Mae last month on their website and got a denial. I assumed it was due to requiring a cosigner the information. The information was unclear as to actually why I was declined. I asked for a letter. I then attempted to apply with my wife online and also got denied. I was confused by this because I personally have cosigned for my wife as we are both in school at XXXX XXXX University. The second application should not have been an additional hit to my credit as I just applied and I was under the impression that any hit on my credit lasts for 30 days so I was shocked when the credit bureau alerted me about this. 

I tried to contact them several times about this and reached no conclusion as to why I was unable to acquire the loan. I then called in about the loan and I was told that the loan was denied but they did not know why but I was encouraged to do a new application over the phone. I finally took them up on that when I tried to do a cosigned loan with my father. I was then told that my loan was declined and that I or one of my cosigners had a loan in default. As both my wife and I are in school I was shocked about this. I went to all of my student loan providers Sallie Mae ( I cosign for my wife ) and Federal loans they stated that I had no loans in default and if I had any loans in default I would not have been able to receive the aid I currently have. They reiterated that I was eligible and perhaps I need to use another loan provider for my private loans. I am very leery about applying for another student loan until this matter is cleared up. 

I reviewed my credit report which also had no issues about student loan default, I always pay all of my bills on time including my house and car. Both my wife and I contacted both the national and student loan providers all having no issues with all my loans are in school deferred. Talking to the people over the phone they had a problem even finding my information or how to help me try to rectify this issue. 

This is the first time I have ever needed private student loans due to the loss of my gi bill veterans educational benefits expiring after 15 years. After trying everything I could as I a non-traditional student I have no one left to cosign for me even though I can cosign for my wife. I just do not understand this. The loan company Sallie Mae has now hit my credit XXXX times when I expected once. They have no way to evaluate what or why this is happening to me. I feel that there is something seriously wrong but I have nowhere left to turn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (AR).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I, XXXX XXXX requested a payoff of my mortgage with Mr. Cooper/NationStar Mortgage Company. On XX/XX/XXXX, I received my payoff statement, showing a payoff balance of {$2700.00} ; however, we have {$1900.00} in escrow that they have refused to apply to our payoff amount. Our taxes & insurance were paid in XX/XX/XXXX by Mr. Cooper, so there is no payments left for escrow to pay for this year. I asked for a Manager & was connected to " XXXX '' ( she would n't give her last name ) & she said that I would have to write a letter to get permission to use MY escrow balance to be applied to the balance & thus lower my payoff balance. This is MY money - not theirs & I feel that this is another way for Mr. Cooper to use my {$1900.00} for another 30 days or so. There is no reason to withhold my escrow from me, when paying off this loan. I am a senior & on Social Security and therefore do n't have the funds to payoff this mortgage if they do n't deduct my escrow amount. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XXXX of 2017 I paid off one of my student loans being serviced by Navient. They finally logged the payoff on XXXX XXXX, 2017. Then today, XXXX XXXX, 2017 they tried to claim that I had overdue interest on the account. I called the customer service and had to argue with them multiple times that this money was not owed to them.
They say they will fix it after a lot of arguing, but I do not trust that they will. This company is very shady and is taking money from people that they are not owed. A full audit should be done.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Medical) with Creditech, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: will not remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with Credence Resource Management, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A company called  Credence Resource Management  is incorrectly reporting a debt of {$740.00} on my credit report.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit. The account number they are reporting on my credit is : "  XXXX  ''.     This is not the only company who is doing this. Another collection company under the name "  XXXX   XXXX  '' is also reporting the same exact {$740.00} debt on my credit with a different account number.     It seems these  XXXX  companies are trying to service an account with  XXXX   XXXX  but I do n't even use  XXXX   XXXX . Is n't it illegal for  XXXX  different collection companies to try and collect on the same debt? As proof, I am including a screenshot from a recent report which shows how  XXXX    XXXX   is ALSO reporting this to my credit.     This appears to be a scam effort by these  XXXX  companies and the information I have found online only leads me to negative reviews and harassment stories by other consumers.     I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

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 11-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: For 2 months the Ocwen said they did not receive our payments. I told them we had sent them by mail, as usual. They made me beg for 1.5 hours and XXXX different people in order to get the late fee waived. Then they found our checks and cashed them without telling us. Now we have paid payments ahead for 2 months, because they found the checks. Now we need that money to pay taxes, but they have already credited it to our account. 
Also, the rate changed in XX/XX/XXXX but the payment coupon did not. They charged us the additional amount, but they show it on the statement as a fee, not principle and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: After XXXX I had financial troubles because i lost some of my income. I contacted all my lenders at the time, and none would help me because I was current. After some of my payments faltered the lenders started calling me to collect. I had troubles making payments until XXXX or so with HSBC Mortgage Services. The agreed upon a payment plan to bring the loan current around XXXX XXXX. The begun debiting my account directly around the same time for an agreed amount of XXXX or so per month. They never explained to me that the XXXX per month would never bring the account out of the rears and they did not explain to me either that they did not make a loan modification. After i noticed that my debt was not coming down, I contacted HSBC again to see why this was happening. The informed me that the amount was not enough to cover and pay the amounts in the rears. So I accepted to increment the monthly amount to XXXX per month. 
The Loan should have come to current in XXXX XXXX but HSBC did not apply the payments correctly. So in XXXX XXXX I had to call to get the payments applied correctly. After they corrected the payments, they stopped reporting credit to the bureaus and all through out the period of time where they were drafting money from my bank account per the arrangement, they were reporting that I was paying Late.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (PA).
Issue: Trouble during payment process

Complaint: This is t he 3rd c omplaint I 'm submitting ag ainst Ditech Financial. I   keep sending the proof and I 'm getting no where. In  XXXX   XXXX  sold the mortgag e to Green Tree, who then became Ditech. T hey keep saying that I had a NSF from  XXXX   XXXX ,  XXXX . My  XXXX  payment was sent to  XXXX  and cashed, paid to the ord er of Green Tree. I ' m attaching a copy of the cashed check. I was using my boyfriend 's bank account but my loan # was on the check and as you see, it was not returned as NSF. I 'm also getting statements fro m Ditech  showing " funds in suspense ''. They are not applying my funds to my principal balance, I do n't know what they are doing with my money. I pay twice a month, this was done to pay off the loan sooner. First they said I was in default from  XXXX   XXXX , now they say that was wrong, it 's  XXXX   XXXX , well the cancelled check is attached. I also received the attached threatening letter about foreclosure. It 's dated  XXXX / XXXX / XXXX , and it says my next payment is due  XXXX / XXXX / XXXX . Also attached are my bank statements, I ha ve two diffe rent banks. As you can see, both payments for  XXXX  were taken from my accounts and the first payment for  XXXX  was also taken. Where is this money going? Why is there not a class action law suit. Read all the complaints that you 've received. They are all similar to mine. The closer you get to paying off the loan, the more they threaten and say you owe money. This has been going on for 4 years, I keep sending them the check. My payments are not being applied properly. They are literally stealing my money. Attached is the cashed check from  XXXX / XXXX / XXXX , a copy of the threatening letter received on  XXXX / XXXX / XXXX , a copy of the fax sent to  Ditech  today,  XXXX / XXXX / XXXX  with the cancelled check and my bank statements showing both payments for  XXXX   XXXX  and one for  XXXX   XXXX , the other gets paid  XXXX / XXXX / XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation