milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Since  XXXX   2016  I have been going back and forth to have these accounts contained in my credit file removed. This company has had over  XXXX  accounts listed as me being the debtor. I contacted this company was told that checks written and was returned. I requested documentation and documentation was provided to me however. The identificaiton number listed on the checks is not mines. I have provided this company with a copy of my drivers license to verify the license number listed was not mines. They have removed a great deal of the accounts however there are still  XXXX  accounts reporting.I do not have the time, and money to continue to send letters. I have provided all the documenatation I possibly can provide. If you look at the  XXXX  different checks I attached those numbers are not the same. I am not sure how they linked me to this account but I want this matter resolved once and for all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: RE : Un-Verified Accounts Pursuant to the FCRA & the FDCPA I am writing this complaint to exercise my lawful right to question the validity of debts that has been entered on my credit file and claims to have become due, derogatory and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section 609 disclosures to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified!

I understand that credit bereaus has violated my rights to report these items on my credit report! Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that you have not fully verified these accounts. You are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. You have failed to show that your agency verified the information and the accounts belongs to me and to show that your agency verified the information before you placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying 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 explanation
Consumer complaint received 08/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage Company has hijacked my property taxes! 
My husband and I purchased a home almost 10 years ago and used XXXX XXXX XXXX for the mortgage. A few years ago, my loan was sold to a company named SLS ( Specialized Loan Servicing ). We obtained a 7 year arm with no escrow of insurance or home owner 's insurance. XXXX years ago, I went online to pay my yearly property taxes one month late, and noticed the balance was XXXX. Come to find out, my mortgage company requested my bill from my city/county government and paid the tax bill and started escrowing my mortgage account. I mailed them the money for the tax bill amount to settle my escrow account with them, but they did n't post the payment and were holding the funds in some sort of " suspense '' account. This also made my mortgage payment look delinquent, so they have also reported my to the credit bureau for being 30 days late on my mortgage payment. All because they were holding monies in " suspense ''. I called and tried to straighten it out, but they were very rude and unhelpful and I never got anywhere with them. This company is NOT a good company to deal with and I would never CHOOSE to do business with them. I 've read complaints all over the Internet about them. I do n't seem to have any rights when it comes to this situation. I continued to make my payments to keep things current so that they do n't try and take my house. I went online last year to make my tax payment which is due on XXXX XXXX, but they had already paid it again, but 2.5 months early, so they hijacked it again!! This year my tax bill came early in XXXX, so I 've already paid the bill myself, which I have attached here. They are demanding escrow when my mortgage contract signed with XXXX had " NO '' escrow terms. I want to pay my own tax bill as I have done for almost 10 years with no escrow. They are escrowing several extra months as well! Again, this company has hijacked my property tax bill for the past 2 years and forcibly added an escrow account to my mortgage and I need help rescuing my monies being held in escrow and to restore my mortgage to it 's original terms. Can you help?

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 02-12-2017 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is and address in XXXX Arizona in my credit report and I never lived in arizona

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX  and TransUnion are reporting I have a tax lien reported by the XXXX XXXX County Recorder. The County Recorder DOES NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and a serious breach of my privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (SC).
Issue: Bankruptcy

Complaint: I have repeatedly Tried to get the First National Bank of Omaha to correct it reporting of my account information to the XXXX major credit reporting agencies. In every instance, they failed to correct their miss- information. XXXX says they have checked the information but that is an outright lie because if they had it would have been changed. Their actions have a major impact on my credit score and should be changed to reflect the current status.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I owed Navient XXXX and these amount has not decrease since I started to pay them. I pay XXXX to XXXX per month and I ca n't lower my payment not the amount for over XXXX years now. I tried negotiating with them but they said that is all they can offer. I have found myself dealing with financial stress each month. I need help and legal advocacy because these loan is impossible to pay off. Please help.me find other solutions. This is the second time I XXXX help from your department.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a XXXX account on my credit report and have been disputing it since XXXX. I have tried to contact them several times without getting any kind of response from them. I called them and was only told they would get back to me and yet I have not heard anything from them. I have contacted equifax concerning this matter they disputed it and sent back a response that the account has been verified and yet I still have nothing from XXXX but yet I am being told it has been verified. I do everything in writing to assure my verification and yet can not get any kind of response and I have a problem with how equifax claim they have and can get verification and I have not been able to get anything from them since I started this in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America approved a short sale, which did not sell. The next course of action is a Deed-In-Lieu, but Bank of America will not return nor answer any of my calls, leaving me facing a pending foreclosure.

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 08/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: This company repeatedly calls and fills up my voicemail with people speaking in terrible English about my student loans. I do not receive statements from them telling me when my payment is due. I have just been diagnosed with XXXX and am currently struggling and they are unwilling to work with me. All they do is call and call while I 'm trying to recover from my current episode. They are also making it difficult for me to receive important phone calls from my doctors because they fill up my voice mail. They use an autodialer to call me on my cell phone which I have specifically asked them to stop calling. How can I make payments when I do n't receive any statements? They give me no options on alternative payments just harass me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (Government benefit card) with Comerica (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XXXX/XXXX/XXXX I contacted Direct Express at XXXX XXXX and spoke with customer service to dispute a transaction on XXXX/XXXX/XXXX of {$92.00} with XXXX XXXX They said they were transferring me to Dispute Department but I was redirected by the voice system to a recorded message telling me to call back and hund up. On my second attempt the same thing happened. i want to open a dispute for this transaction. I never checked in to this hotel or check out. There is no camera footage of me doing so. A family member was delayed getting into town. The hotel would not allow me to make adjustments well in advance. I want this transaction reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: No contract or signature has been verified on these accounts. 
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 05/18/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AZ).
Issue: Problems when you are unable to pay

Complaint: I have a DO NOT CALL on my file with Ally Financial. I received a Call from a representative who is assigned to my account. He must have realized afterwards of his mistake their was no message left. I called back spoke to a very pleasant representative named XXXX XXXX I immediately told her I received a call. She advised me it clearly is marked on my account DO NOT CALL. She did n't try to sugar coat it or make any excuses. She apologized for that being done. As she knows this was a clear violation of FAIR DEBT COLLECTION PRACTICE ACT. She asked me if I would like to speak to the representative handling my account. I said yes, he was unfortunately was n't available. So I opted to speak to his supervisor so he would speak to his rep as a coaching opportunity. The call was transferred to his supervisor XXXX. XXXX came on the phone his tone came across as if I was interrupting him from something more important. I began to explain that I was called when I should n't have been. Supervisor XXXX stated very un-professional and not never apologized for this mishap. He stated he would speak to his rep. Wow! Then he went on to discuss my account which there was n't any need to do so since I was just given a 2 month deferral. I told XXXX my XXXX payment is set to come out on XXXX/XXXX/16. XX/XX/XXXX and XX/XX/XXXX payment was deferred. He starred he sees that. There was n't ANY REASON to go over it because I was calling in about your EMPLOYEE! XXXX tried to tell me with the deferral was approved but this will still effect my credit. I told him I know I got a XXXX day for XXXX, And I will have a XXXX for XX/XX/XXXX since my payments are due XX/XX/XXXX. I told him once the payment post my account will be current. XXXX tried to tell me my deferral wo n't be processed until XXXX/XXXX/16 even though my payment is set up to come out on XXXX/XXXX/16. I will get hit with ANOTHER XXXX credit marker on XXXX/XXXX/16 when my deferral will be processed???!?! How is that possible when I just got THIS MONTH XXXX day credit marker TODAY. He told me if I do n't care about my credit then that 's on me. First if all I had a PERFECT account for 20 months..I 'm sorry but my mother almost XXXX XXXX I had to fly back to XXXX. So things/life do happen. Everyone at Ally had been wonderful EXECPT XXXX. It scares me that he is giving out INCORRECT INFORMATION. Especially since Ally just paid out on their class action lawsuit. I believe XXXX was in violation on XXXX XXXX XXXX XXXX! I 'm by LYING about getting hit with another credit marker. How can you get hit with XXXX credit markers in the SAME MONTH.

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 08/22/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (GA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Today I called Santander Bank to close my checking and savings account. Upon closing the accounts I was informed that if the bank receives any future debit requests for bill payments ( utilities, checks, etc. ) against my closed accounts they would automatically re-open my accounts. I was further advised that I would be responsible for any fees levied as a result of processing the debits because the accounts would be over-drafted. I clearly stated that I did not consent to having my accounts automatically re-opened, but was told that I had no choice. Legally banks should not be allowed to re-open closed accounts without the consent of the account owner.

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 10-03-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/XXXX, I called Nationstar Mortgage to make my XX/XX/XXXX mortgage payment. The representative told me that there is {$2500.00} unused ( un-applied ) funds in my account. The only payment I needed to make was {$3000.00}. I made that payment plus a {$19.00} service fee for making the payment over the phone. The payment was never applied to my account because when I made the XX/XX/XXXX payment on XXXX/XXXX/XXXX, Nationstar Mortgage applied it as XX/XX/XXXX payment. I received a letter XX/XX/XXXX to contact them if I have trouble paying my mortgage. I got alarmed and called them on XXXX/XXXX/XXXX. I was told that my XX/XX/XXXX payment was not made and what I paid in XX/XX/XXXX was in fact for XX/XX/XXXX. When I explained about the {$3000.00} payment in XXXX and the {$2500.00} of unused funds, the representative was able to confirm it and said that they would correct the issue. On XXXX/XXXX/XXXX, when I received my credit score, I noticed a drop in my score. When I pulled my credit report, I noticed that they reported a 30 day late for XX/XX/XXXX and they never fixed the XX/XX/XXXX paymentFurthermore, I noticed that they reported 120 days late for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Nationstar Mortgage received the servicing of my mortgage starting XXXX XXXX. They have received every single payment on time and should not have reported 120 days late to the credit agencies. The payments starting XXXX XXXX until XXXX XXXX are as follows. As shown, there is no late payment since the loan was Nationstar:XX/XX/XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXXXX/XX/XXXX Payment of XXXXWhen I called Nationstar, I spoke to an agent for one hour and he found the problem, but dropped the call before fixing it. I called again and after another whole hour, the agent said that he is transferring me to account resolution and instead of transferring, he dropped the call again. When I called back the customer service was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Credit card) with Account Discovery Systems, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had previously been making payments to clear a former debt to this collection agency and recently I asked them not to submit a payment for the month of XXXX and to cancel any future payments. The representative agreed and still ran the payment through causing my bank account to go into a negative status and incur SF fees. My payroll check was just enough for my bills not including the {$65.00} so when this payment hit, it caused my other payments to bounce. Although the bank paid them, I was still charged {$68.00} in returned check fees. Someone at this company by the name of XXXX XXXX stated they would issue a refund of both the {$65.00} and the {$68.00} in fees if I faxed over my back statement which I did. The {$65.00} was refunded but not the {$68.00} for the fees. When I called on XXXX/XXXX/2015 around XXXX XXXX I was told by a gentleman that he was the only one in the office but when I asked for XXXX XXXX, this person swore he did not know who XXXX XXXX was and it was actually him I was speaking with. I just want my money put back into my account and not to be given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: My husband passed away unexpectedly on XXXX XXXX, 2016, at this time I lost his social security XXXX income, so I 'm struggling to make my monthly mortgage payments. I wanted to modify my mortgage so my son and I can stay in our home. I have sent the required documentation several times to the mortgage company, and they keep sending me paperwork saying they still need a XXXX tax form, which I have now sent in 4 times. Today in the mail I received a letter stating they did n't evaluate my modification because they did n't receive the required documents. When I called to speak to someone, they said I first started this process XX/XX/2016 since it 's now XXXX 2016 I would have to start the process all over because it 's been longer than 30 days. I 'm grieving the loss of my husband trying to keep something stable for my son with everything he 's lost this year, and Specialized Loan servicing is trying to make things harder. I want to keep my house, it just would really help out a lot if my house payments were n't so high.

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 11/23/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Customer service / Customer relations

Complaint: HI Sir/Madam, Sub : To whom it may concern. 

I applied for XXXX XXXX XXXX access more card form XXXX and approved. they are offering if I spend {$2000.00} in first three month and buy the phone from there provide link from their website then I will get {$650.00} statement credit. I did what they told me and also the lady I placed the order from XXXX bank also stated on my account that I will get my statement credit. But still two month and I did n't receive my credit. when I called them they are asking me to send me the receipt of purchasing that phone which I bought it from their link and also from their credit card. It a false advertisement and waste of time for consumer who have to call and wait for his money. They should stop this kind of advertisement and when consumer call them and placed the order with them as they describe they should issue that credit right away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation