milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file 7-10 years. did I ask how long it stays on? No I did n't. I have already complained to the AG for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

transunion reinsertion : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (IN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: STELLAR IS CALLING MY CELL PHONE NO AFTER CEASE COMMUNICATION LETTER DATED XXXX/XXXX/2016 IN VIOLATION OF TCPA AND FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Billing disputes

Complaint: capital one has went back to court and got another judgement ... this is the second time ... this is not right ... XXXX was about to come off my credit report, and then they done it again ...

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This is for  XXXX , i disputed with all credit beurau and was removed form   XXXX   on   XXXX    XXXX      but keeps coming back,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Medical) with Helm Associates (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: on XXXX/XXXX/2015, I filed an dispute with Helm Associates. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Helm Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Helm Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Helm Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Helm Associates sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2016 about Credit card () with CITIBANK, N.A. (OK).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am refiling a claim due to lack of response to my dispute to the credit card company 's response and lack of response on XXXX XXXX, XXXX. I received acknowledgement from Consumer Financial Protection that my response was received. However, I never received any acknowledgement from the credit card company, and it has been nearly one month since I submitted my dispute. I was paying {$8.00} a month for credit protection, i.e. XXXX, through the credit card company. XXXX NEVER notified me of suspicious or unusual activity on my credit card. 

Regarding me disputing the charge that posted on XXXX XXXX, XXXX, and denying the XXXX fraudulent charges, I had called in and found the charge for XXXX charge pending. This is evident by me receiving conditional credit for the disputed item on XXXX XXXX, XXXX, and the actual charge not posting until XXXX XXXX, XXXX. When I learned that it was an XXXX web site, I had reported the charge as fraud. Being XXXX I have no use for a site such as this and was extremely embarrassed to even have to speak to a representative regarding this charge. I had no knowledge that the XXXX charges took place a few days later. 

The remaining charges that month are truly fraudulent and I respectively ask that you do one or both of the following : 1. Request the credit card slip that shows the signature of the purchaser because my credit card said " Check ID '' on the signature line. I am physically unable to sign my name XXXX. 
2. For the cash advance charges request the video and see who was using the ATM because I did n't know the pin number since I do not use cash advance. 

Furthermore, I was preparing for my divorce trial in district court at which I had to appear and testify from XXXX XXXX until XXXX XXXX on XXXX XXXX, XXXX. 

Lastly, as for the balance being paid in full, I was attempting to keep my account in good standing and was going through many personal and medical issues at the time and did not keep close watch on my personal business. It 's only because of finding an off-the-wall fraudulent charge 1 1/2 years ago that even prompted me to examine ALL my credit card accounts, past and present. 

Thank you for your attention to the matter.

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 12-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: My mortgage was recently acquired by a new mortgage provider. I paid my mortgage payment due on XXXX/XXXX/XXXX on XXXX/XXXX/XXXX for {$980.00} to Mr. Cooper. On XXXX/XXXX/XXXX a draft for {$1000.00} was taken from my bank account, leaving my account negative. I transferred cash to cover the balance, but it was cash I need for other bills. I sent a message to Mr. Cooper that I did not intend to make XXXX payments on my account within that timeframe. Their response was that I need to supply documentation from my bank and they would respond within 7-10 business days. Their website shows the two payments so I do not understand why I need to provide documentation. I want the 2nd payment stopped. I have not asked for any fees to be reimbursed, because if they would rescind the 2nd draft there would not be any fees associated.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (FL).
Issue: Managing the loan or lease

Complaint: I have obtained a Car Loan with American Credit Acceptance in XXXX have have paid on time over and above the minimum payment which is {$300.00}. The record will show I am paid up several months in advance in order to minimize the High Interest Rate. 
However, to no avail, most of the payment ALWAYS goes towards interest paying very little on the Principal. I tried to refinance for a better terms with Credit Unions, and Commercial Banks, and each time I request a payoff, I am quoted over the phone, exactly the outstanding balance on my statements, In other words, no discount for paying off ahead of time. 
Since XXXX XXXX, XXXX, I have requested a payoff and was promised that I will received the information by email. The New Lender called over and over, and was promised the same thing. Now the balance have increased from {$3600.00} since XXXX XXXX, to XXXX XXXX, XXXX to {$3600.00}. 
It appears over the last two years, American XXXX Acceptance does not want to have loan being paid off by another Lender, so they delay, delay, delay until I give up. 
I am XXXX XXXX XXXX and can not ward off imminent medical issues that comes with getting old, and all I want to do is pay off this loan

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 12/31/2016 about Debt collection (Medical) with Professional Medical Management, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX never billed NC Medicaid for XXXX services, sent it to collections. I sent my insurance information to collection company twice. Collection company still has n't billed NC Medicaid.

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 04/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they put on my credit report that I owe {$600.00} for an account I never had

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortage statement is wrong since XXXX and no correction has been made by ditech. The principal balance is higher ( XXXX ) compare to the remaining balance from XXXX XXXX XXXX and Green Tree which is about XXXX. Beside high principal at a 6.75000 % interest rate, escrow is added on top of the payments which always was included with the monthly payments and the year of the loan was also increase from 20 years to 40 years. I been sending XXXX but only XXXX is applied to it. The payment as increase now from XXXX ( XXXX to XXXX XXXX XXXX ) These are the same payments i have been making since I first brought the house in the XXXX 's. In XXXX, ditech submit loan modify papers to the amount principal now- but the papers was dated in XXXX XXXX I been paying XXXX since XXXX XXXX and although I been pay ahead of time, I was also charge late fees ( XXXX ) through Green Tree and in XXXX ditech which both company are now as XXXX since XXXX. If I continued to keeping paying them, I will not only have given them extra money but in ten years I will pay them over XXXX. It unfair.. please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: For over a year I have been attempting to get my mortgage lender to work with me on a modification of my loan. I am seriously under water on the loan and have repeatedly asked for help in determining how that might be corrected with a modification. Rather than continuing to throw more good money after bad I stopped making payments. This caused the lender to change course of the conversation and processing to a foreclosure, which is pending. I have received an offer to " modify '' the loan but it requires that I continue to make payments through a trial period of 3 months before they will finalize the process of defining the terms of the loan. There is no indication the loan will be reduced to reflect what the actual value of the property to be which is {$130000.00} less than the loan I am expected/projected to have modified. Aside from this, there are erroneous declarations on the documentation that do not reflect the actual circumstances. There 's is never anyone to actually discuss this with since it 's always a phone bank of minions who all have the same script. I can not get through to a real decision-maker even with the help of my attorney. The problem is not that I ca n't afford to make the payments. The problem is why I should continue to do so when I know I have negative equity. 
I applied for this modifictation by declaring in clear and concise terms that my wife is handicapped and I would have a difficult time finding a comparable home where I could take care of her. She is cognitively impaired due to a brain aneurysm. Not only do they ignore that appeal, I continue to receive documentation for her to sign. They have a copy of her power of attorney as well as medical documentation showing her handicap. It 's like the balance of this situation - the lender simply is moving toward a foreclosure without any consideration of the actual matters that brought us to this point. My question is : How do I get this problem addressed with the lender? We 're at 20 months since the process started and I am no closer to having an answer. For the record, the lender is Select Portfolio Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with BARCLAYS BANK DELAWARE (SC).
Issue: Customer service / Customer relations

Complaint: they barckleys constantley mess up my website costing me time and money and i am sick of it i want fixed and i want my time and money this is a joke

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 02/25/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have had my loan for almost 3 years now and never got a 30 day late credit reporting. In fact, prior to my loan being transferred from XXXX XXXX XXXX, I never made a late payment. Since Pennymac acquired my loan, I have not had my payments applied properly and on time. On XXXX XXXX, 2015, I made a payment for my loan account. I mailed a second payment days later. I received information today that my loan was 48 days past due which has never happened prior to Pennymac acquiring my account. Please note I did not receive any statements regarding my loan account until today. Today, I called to make a payment over the telephone. The representative indicated that my loan was late and past due 48 days and 30 day late was applied to my credit report. My credit is very good and I have never made a late mortgage, car, and or credit card payment. Most important, when my loan was service transferred I was informed by a PennyMac representative that negative reporting does not occur until a loan is 60 days past due. Which was not true and deceiving and violated RESPA, Reg X, ECOA, and UDAAP. I requested of the representatives to have the calls pulled regarding my account, and I disputed the negative credit reporting. The CFPB needs to investigate this company as their practices are violating RESPA, Reg X, ECOA, and UDAAP. Pennymac did not apply the payment I mailed in and their representatives gave me false information regarding my loan account. I am appauled that this company can get away with this. PLEASE HELP, MY CREDIT IS BEING RUINED. I am requesting that the 30 day late be removed from my credit report as I mailed that payment and was initially given inaccurate information from a PENNY MAC representative

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Closing/Cancelling account

Complaint: I have a JC Penner card with Sycrony Bank. Approximately a year ago l, fell behind on payments due to unemployment. XX/XX/2016, I paid a large sum to bring the card current. I continued to make monthly payments of the minimum until XX/XX/2016. I attempted to make a payment online and was unable.to do so as a meesage prompted stating I needed to contact XXXX. I called and the representative told me my account was closed due to non payment and the payment was noted on my account as settled. She told me she did n't have a lost of my transactions and asked about my last payment. I told her it was XX/XX/2016. She asked of I could verify it. I told her I received confirmation emails. She said there was no record and my account stated paid and settled. I told her I was not behind, and I 'd paid a significant amount of money, approximately {$500.00}, to bring the account current. More importantly, I would never agree to settle an account for a negative reporting on my credit report. She told me she notate a need for an investigation of my account. She told me to call back in 48 hours. l asked for a.return phome call or documentation be sent in the mail of the inquiry. She told me she could not make oitgoing calls or send notice in the mail. I called back 72 hours later, to allot ample time for the investigation, and the new representatvie shated the same information. My account was closed for non payment and noted as settled. This concerns me because I was not behind on payments. I did not agree to settle, and I spent approximately {$500.00} in XX/XX/XXXX to bring the account current.

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 05/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Delinquent account

Complaint: I have a Capital One credit card that I rarely use. XXXX made an unauthorized charge to this account on XX/XX/2015 in the amount of {$38.00}. I do not receive paper statements and I was n't aware this charge was made due to the fact that I do n't use this credit card much. I was called XX/XX/2015 and was left a voicemail on my home phone from Capital One. I went online to see if I could understand what they were calling about. I immediately saw that my card was showing past due and I called Capital One to see what I should do. They said that I should work it out with XXXX XXXX XXXX first before filing a dispute with Capital One. I called XXXX XXXX XXXX about the unauthorized charge. They apologized for the charge and agreed to refund the full amount back to my card. They refunded the full {$38.00} on XX/XX/2015. I called Capital One back and they said they would take care of the late charges and interest. They also said I would n't be reported late to the credit bureau. I happened to notice my credit score dropped around XXXX points. Capital One did report me for being XXXX days late for an unauthorized charge made to my account. I called Capital One again and they said I would have to file a dispute to correct this and that they could n't do anything to help me. I asked to be transferred to the Credit Reporting Department, and I was put on hold for XXXX minutes just to be told that I could n't be transferred to that department. I was originally informed from Capital One from XXXX different employees that I would n't be reported late. This incident really leaves me with little respect for Capital One. Bottom line, I am being penalized as the consumer that was originally considered to have excellent credit to poor credit after a circumstance happened that was outside my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Have been applying for a modification at carrington mortgage since XX/XX/2015. They have closed XXXX files stating non compliance even though I call them 2-3 times a week to. Check status and request call if there is a problem with doc. They have promised not to close account as they know I am working on it and then close the next day

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BMO HARRIS BANK NATIONAL ASSOCIATION (KS).
Issue: Loan modification,collection,foreclosure

Complaint: Last month after XXXX and before XXXX a voicemail was left for me on a co-workers line by a representative of BMO Harris Bank. My supervisor listened to the voicemail because my co-worker was out of the office and she gave me the message. I called BMO that day and told a representative what had happened and that I could not get these types of phone calls at work. I wanted to talk to whoever it was that had called, but after putting me on hold for over 10 minutes I had to hang up, since I was at work. This morning my co-worker hands me message slip. BMO has again called me at work and left a voicemail on my co-workers line. When that line is automatically answered it 's very clear about who you leaving a message for. It should be clear to the BMO representative that you will not get to my voicemail to leave me personally a message if you call after our work hours.

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