milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Jefferson Capital Systems Llc/Jefferson Capital Llc tradeline appears on my credit file with a balance of {$1400.00}. The company reported a date opened XX/XX/XXXX and a reported delinquency date of XX/XX/XXXX & XX/XX/XXXX ; no closed date. This is a second party account with no adequate proof provided to me showing my obligations to pay the alleged debt. After repeated discussions with representatives the agency was made aware of my vehement disagreement with and the unwillingness to cooperate with a resolution. The account was disputed via the credit reporting agencies on XX/XX/XXXX & XX/XX/XXXX ( re-investigation ). I strongly believe this company violated sections 806 & 807 ( 10 ) of the Fair Debt Collection Practices Act, 15 U.S.C 1692D and 1692E ( 10 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: On  XXXX   XXXX ,  2017 I up dated my hazard insurance on my home located at  XXXX   XXXX   XXXX   XXXX ,  XXXX , MO by updating my  XXXX   XXXX   XXXX  policy to include an umbrella policy to cover sink hole and earthquake. My agent -  XXXX   XXXX  and myself provided proof of insurance to Nationstar Mortgage. In  XXXX ,  2017 I w as notified that Nationstar Mortgage needed proof of insurance. Once again I provided proof of insurance. On  XXXX   XXXX ,    2017 th e  XXXX ,  2017 p ayment in the amount of {$920.00} was mailed to Nationstar Mortgage using check #  XXXX  on the  XXXX  Bank account of  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX . On  XXXX   XXXX  , 2017 I wa s notified by Nationstar Mortgage that my payment was not being processed until I paid {$570.00} for insurance they purchased despite having at least  XXXX  submitted proof of insurance. On  XXXX   XXXX  , 2017 the  agent again submitted proof of insurance. On the evening of  XXXX   XXXX  , 2017 a t  XXXX    XXXX   the entire  XXXX  pages of   XXXX   XXXX   XXXX   Policy  XXXX   XXXX   XXXX  was faxed to the insurance department of Nationstar Mortgage. On  XXXX   XXXX ,  2017 I was  informed by phone that Nationstar Mortgage had proof of insurance dating back to the original date of coverage of  XXXX   XXXX ,    2017 and u pdated proof of insurance dated  XXXX   XXXX ,  2017. Ho wever I was also told that until the {$570.00} is reimbursed either by myself or the insurance company that Nationstar Mortgage purchased insurance thru, the payment of {$920.00} would continue to be held and on  XXXX   XXXX ,  2017 the  mortgage would be in default. On  XXXX   XXXX ,   XXXX   017 I fil ed a complaint with the Missouri Departmen t of Finance ( Investigator   XXXX   XXXX   ).  On  XXXX   XXXX ,   XXXX   I was notified by Nationstar that the account was in default and they would not process the payment that is in their possession. On  XXXX   XXXX ,  2017 I   spoke to my attorney -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , MO,  XXXX .  XXXX   XXXX  advised me to complete a complaint with your agency and then notify Nationstar Mortgage of my expectation that the  XXXX ,  2017 i n the amount of {$920.00} be applied and no indication of default be noted on the account. Also on  XXXX   XXXX ,    2017 I   received two mailings from Nationstar Mortgage. One mailing was an indication dated  XXXX   XXXX ,  2017 that N ationstar Mortgage was the provider of insurance, the second mailing also dated  XXXX   XXXX ,    2017 was a n indication that Nationstar had received from me proof of insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Their are XXXX hard inquiries on my TransUnion and XXXX on my XXXX Credit Report and that I have not authorized and am not even familiar with. I have contacted TransUnion and XXXX and I have also contacted each creditor individually. Nothing is being resolved or removed!

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 02/24/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed a demand for GE Money Bank to legally validate this debt 30 days ago. They have ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Our firm listed the property at XXXX XXXX, XXXX, Tn XXXX on XXXX/XXXX/XXXX. We have worked XXXX different offers, we have submitted entire files three times and Chase Mortgage has sat on this file and sat on it and even after sending a letter on XXXX XXXX, XXXX advising them that we had not heard anything but a runaround, they have still sat on the file. Chase has developed a pattern of setting the stage for a foreclosure. This is harming an active service member and we are seeking assistance. We have attached the Authorization form for Senator XXXX to follow up on this as well. We are also going to reach out to the Veterans Administration. It appears that they drag their feet worse when it is a VA loan and we simply do not understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Managing the loan or lease

Complaint: Yesterday, DriveTime called every 2 hours starting at XXXX I placed a complaint. Today they started a XXXX and then again XXXX. I am not even 24 hours late on my payment. This is excessive and annoying my goodness I 'm at work and I know why they are calling. When I get off work I will take care of it. They need to learn positive collection practices, ticking people off is one way they loose customers and have so many repo 's.

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 04-10-2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I previously contacted all XXXX credit reporting bureaus in early 2014 after completing a rehab of my student loans. I just learned yesterday in the process of buying a house and after a XXXX bureau credit pull that Equifax is still reporting a XXXX account as a collection account. I contacted XXXX, and they say I have to dispute with the reporting agency. 

My frustration is two-fold : 1. I already did this and it worked as the process was supposed to with all other issues and with the other 2 reporting bureaus. Now I have to wait between XXXX days for my credit report to show this ; and 2. I 'm not going to be able to close on my home loan on time because of this, and I 'm going to have to scramble to make alternative living arrangements and expenses, and may see the seller pull out of the deal leaving me to also try and find a new place to live permanently!

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Consumer Loan (Vehicle loan) with Go Capital Holdings, LLC (FL).
Issue: Managing the loan or lease

Complaint: I bought a car from XXXX, and GoFinancial is the lender. I received delivery of the car in XXXX 2015, got plates and had no problem with the car. XX/XX/2015 I moved to XXXX from XXXX. I went to the DMV and filled out the necessary paperwork to have my license plate transferred. To have the plates transferred GoFinancial must send proof of title to the State of XXXX. XXXX will not accept electronic proof of title. GoFinancial has failed to provide proof of title to the state of XXXX for a year now. I am paying for a car that I can not drive, because I can not get a license plate for it. I have been working with the title department of GoFinancial for about the last 6 months. When I call they tell me they have to order a copy of the title from the bank, and that that takes a few weeks. I say ok and wait. When I call back they never have any record of ordering the title. The last time I talked to them they told me the tile " appears to have been lost ''. I have asked them to take the car back and they told me that would negatively effect my credit and I would be responsible for any negative equity the car may have. At this point I have been paying for a year for a car that I can not drive.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with Direct Recovery Services, LLC (NV).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Although I no longer work at my old job, this number continues to call about a debt which they refuse to disclose when you call the number. My old coworkers have told them to cease calls at the work place. They now call my new phone under an Unknown Number. The voicemails left on company messaging contain information they claimed they have received from my public record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX/XXXX/XXXX, I received a debt collection notice for {$1500.00} for a closed XXXX cellular account. This debt, however, was paid via my Citibank XXXX XXXX XXXX on XXXX/XXXX/XXXX. Since I was set-up on " auto-pay '' with XXXX, they charged my XXXX on file - which I charged back with Citibank while the final amount/bill were in dispute. Upon receipt of the bill, I reversed the chargeback in full ( {$1500.00} XXXX with my Citibank XXXX and have a statement to that effect. 

I have contacted XXXX corporate no less than XXXX times via email, explaining the situation, providing statement copies and a transaction number - only to have XXXX tell me that they " never received the payment ''. I, however, paid my bill in full - including the charged back amount of {$1500.00} XXXX see attached XXXX and XXXX XXXX statements XXXX. 

I need Citibank to prove that this payment was released to XXXX in the amount of {$1500.00}, as I am being threatened with collection action. I paid my balance in full to Citibank, and the debt claimed owed is in fact not.

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 02/22/2017 about Debt collection (Medical) with Quality Asset Recovery LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I got injured on the job in 2012 and went to the XXXX and had health insurance under worker 's compensation. Everything was covered by my plan however, now I am seeing on my credit report, that they are charging me and my wife {$1000.00} for a debt that was paid for.

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 08/27/2015 about Credit reporting () with EARLY WARNING SERVICES, LLC (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am submitting a complaint against Early Waring Services because I have been a victim of Identity theft and sent in the required documents that they requested Police report, ID and consumer Identification form. There is an inaccurate reporting showing from XXXX XXXX on my file with them In which I sent in a dispute to them along with the Identity Theft Remedy documents requested and they claim that XXXX XXXX claimed the account to be verified as reporting accurate. I called today and spoke to a supervisor ( XXXX ) who told me that XXXX XXXX did not respond as to why they believe the account to be accurately reporting so that gives them permission to remove the reporting from my file. Shortly after XXXX called to tell me that XXXX XXXX responded as to why they believe the account is reporting accurately and that the reporting was going to be reinserted in to my file. They said that I can rebuttal the reason as to why XXXX XXXX believes the reporting is accurate and I have to explain why I disagree. I have already stated why I disagree the moment I sent them a Valid Police Report Specifying that this account reporting is Fraudulent and Identity theft. They are completely violating my FCRA rights and ignoring that fact that this is an identity theft account that was opened fraudulently. Why should I have to rebuttal what is obvious in my initial dispute with them? This situation seems to be completely biased as this company was formed and XXXX XXXX has partnership and interest in the stock of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (RI).
Issue: Loan servicing, payments, escrow account

Complaint: Have a mortgage which change servicing rights to Ditech. In the loan docs it states in correctly that the insurance was to be escrowed. In the mean time Ditech failed to pay my taxes on time and due to a city property tax mistake my taxes were over paid by {$2300.00}. I have since changed the escrow and requesting the insurance not be escrowed. The taxes are now being refunded directly to Ditech and I have requested the make a one time payment for the insurance. The previous servicer failed to pay the insurance for 9 months. Now I am requesting the they make a one time payment to my insurance and discontinue future payments, and calc esrow going forward correctly without the insurance. Been since XX/XX/XXXX trying to get them to get someone to correctly get it write in my account 4 call 12 representatives. On top of it I am a 30 year financial services exec with years at XXXX for the XXXX, I well understand this business but the agents and system at Ditech gets on one who understand all aspects of this error. They will now include it in the escrow and will not issue a one time payment without changing the escrow analysis. It 's around around in circles.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a complaint to XXXX, XXXX and Equifax. about some errors that I found while looking over my credit report. For some reason XXXX failed to investigate my disputes. I sent another letter out and got no response. Im not sure how XXXX  comes up with this FRAUD DISPUTE suspicion. XXXX and XXXX verified these accounts that I know are inaccurate. I read some information online and found out that under the FTC I can dispute all inaccurate information on my credit reports. Am I right? Again I am disputing the follow accounts after noticing several errors 1. XXXX # XXXX This collector has re-aged this account. Please remove. Please remove 2.  XXXX # XXXX The date of delinquent is misleading and incorrect. Also this account shouldnt have a balance. Please remove 3. XXXX XXXX # XXXX I have reached out to this company with no response. The balance, date opened and the payment history is incorrect. In addition this account should not have a balance. Please remove. 

I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a student loan with Younomics serviced by University Accounting Services ( UAS ). XX/XX/XXXX, I entered into an agreement with them to reduce my monthly payment to $ XXXX/month. Since then, 1 ) the bill I receive from UAS every month says that my " total payment due '' is {$300.00} '', XXXX ) When I log in to pay my bill in the UAS ' website, my amount due is {$300.00}, 3 ) I have made a {$300.00} payment every month since then, including my XX/XX/XXXX bill. However, I saw in my credit report that Younomics/UAS made an adverse credit report on XX/XX/XXXX stating that my account was 30 days late. Younomics/UAS has not sent a single correspondence to me telling me that I have a past due and why I have a past due after making the " total payment due '' written on the bill and listed on the UAS 's website as I pay my bill. This is not the first time that Younomics/UAS has made an adverse credit report on my account when they have failed to send me a bill that clearly reflects what I must pay for my account to be current. The billing ( and other communication or lack thereof ) is simply incomprehensible. It appears that the " total payment due '' is not really the " total payment due '' and that I must somehow find ways to ascertain the amount I must actually pay or anxiously wait for my credit report to see if the " total payment due '' was in fact the " total payment due '' or whether there was something hidden behind the " total payment due '' that I failed to guess and must now suffer the adverse credit report consequences. I do not understand why I should be penalized for making a timely payment of the " total payment due '' and all I am asking of Younomics/UAS is to first rectify this adverse reporting that I believe to be unjustified and to send me a monthly bill with a " total payment due '' that is in fact a " total payment due ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Credit card () with CITIBANK, N.A. (OK).
Issue: Customer service / Customer relations

Complaint: I was very sick in XXXX of 2015 with XXXX. It was mis-diagnosed by XXXX Physicians, so it was six weeks before I began recovery. I was late in paying off my Best Buy statement due to this illness, but the entire bill was paid, on XX/XX/XXXX for {$210.00}. I received XXXX late charges amounting to $ XXXX that I paid on XX/XX/XXXX. They have agauin charged me {$35.00} additional, and interest on the late charges, which amount to XXXX, which I paid today ( XX/XX/XXXX ) I have asked them on the phone and in a letter to remove the late fees and interest, and they refuse, stating they are justifiable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: On XX/X/2017, I attempted to order XXXX XXXX credit monitoring service, offered by XXXX XXXXXXXX XXXX ( XXXX ) / XXXX on their Web site ( https : //usa.experian.com/ # /registrationXXXX XXXX XXXX XXXX ). The order failed, due to an XXXX XXXX XXXX ( XXXX ) / XXXX internal server error ( see attached screen print ). The error continued to occur as I tried placing the order additional times, and I was unable to access the service. After calling the customer service number provided ( XXXX ) and waiting on hold for 25 minutes, I reached an agent, who acknowledged the error, but was not able to manually process my order. I was told to try placing the order the next day. To sum up, the company is offering a service they apparently do not have the technological capacity to provide. This is a concern, given the high sensitivity of the consumer data they administer. Further, they dont provide the normal means of electronic contact ( email, chat, etc. ) that would be expected of a technology-intensive information services company and that would enable consumers to document and report issues they encounter with the services in a convenient, timely, and written manner. If they provided these means, this CFPB complaint would not be necessary.

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 Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A credit card was opened using my credit information with a hard inquiry to my credit report with XXXX. I did not apply for the card. I received an alert from XXXX and discovered that the inquiry was from Barclays in Delaware. Then I received an email from Barclays congratulating me on choosing paperless billing for my new XXXX XXXX XXXX. I called Barclays security to report the fraudulent transaction. I told them that I did not apply for the card and asked them to close the account. They said that they would close the account and reverse the inquiry on my credit record. That was yesterday -XX/XX/2016. Today, XX/XX/2016, I received another email congratulating me on opening my new Barclays credit card. There have been no further alerts from 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