milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: I received my billing statement on Saturday,   XXXX    XXXX , 2017. The billing statement shows  XXXX / XXXX /2017 as the Statement Date. The  XXXX / XXXX /2017 Statement Date implies that this bill took 14-15 days for delivery to me. For this reason I do not believe that the  XXXX / XXXX /2017 date approximates the date when the bill was presented to the    US Postal Service for delivery to me. My expectation is for the Statement Date to b e the date when the Statement was prepared. I have brought this problem to the attention of th e Green Tree ( DiTec h ) organization on previous occasions ; their assertions as to bill processing are unsubstantiated and therefore are viewed as unresponsive.
 XXXX 
Recent  XXXX  notices indicate that   XXXX   XXXX   XXXX   is approaching a time when the shares will no longer meet the   XXXX    listing requirements.   XXXX   XXXX   XXXX   also has proven itself unable to submit Financial Reports free of material error.   XXXX   XXXX   XXXX   appears to be in breach of its loan covenants. To date there has been no advice from   XXXX   XXXX   XXXX   as to what the debtor responsibilities may be if/when   XXXX   XXXX   XXXX   goes into liquidation or becomes unable to perform the servicing business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (I do not know) with ATG Credit, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ATG is reporting a debt under my SSN that does n't belong to me, they atempting to collect for XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A place called Convergent is constantly calling me on my work phone. They have been told before not to call my work. I will file a complaint with the FDCPA if the calls do n't stop. I also want verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Payday loan) with United Debt Holdings, LLC (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was called by a blocked number today. The guy told me he was going to come to my work tomorrow to " serve '' me. He said he just wanted to give me the heads up. Obviously, this shocked me. I asked him what charges and from whom. He said he could not tell me that, but he could give me the party 's number ( XXXX ) and my case number. I immediately called the number he gave me. It was XXXX XXXX XXXX. My " case manager '' ( XXXX XXXX ) says I owe them {$2900.00} from a XXXX XXXX XXXX loan I got on XXXX/XXXX/12. XXXX said that if I did not resolve this today, I would be served by the guy that originally called me, who would be accompanied by a uniformed officer and that my boss would also have to sign the papers. I asked why they were coming to my work. He told me that they would try my house first, but if they failed to find me there, they would go to my work. I asked when they were planning on doing this. He said between XXXX and XXXX tomorrow. He told me I could face up to 1 year in jail and have to pay an additional {$1000.00} penalty because they are charging me with check fraud under section XXXX of some law. I asked him if I could get a copy of the application from the original debtor and he said no, stating that the application was to be used against me in court. I told him I was going to need to call him back, because I was at work and a bit in shock from what he was saying. He said he would be able to give me until XXXX to call him back, or he would move forward with these charges and he gave me his extension ( XXXX ). After getting off the phone with him, I called XXXX XXXX XXXX to verify this debt. They said they sold my debt to UDH, but UDH is known for allowing other debtors collect on their behalf. She said many times, these are scams and get people to pay way more than what they actually owe. I was on the phone with her for a long time while she tried to find this company and/or anything about XXXX XXXX. The only thing she found said that they had their license revoked a few years ago. She was very sweet and reassured me that I was not going to jail and that she would contact UDH to notify them of this situation. She also gave me UDH 's number to follow up with them myself. I called UDH, but they were closed and the voice recording asked me to leave my phone number and my full social security number.. umm, no thanks! I then called XXXX XXXX back at XXXX XXXX XXXX ( at XXXX ). XXXX did n't answer. I left him 2 voice mails from XXXX to XXXX. NO CALL BACK!! Now, I have to go to work tomorrow in fear that a cop and some guy will show up to serve me, to publicly humiliate me and/or threaten me with more scary tactics like " jail time '' and " XXXX in penalties ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I voluntarily turned in a pick up to   XXXX   XXXX   due to health problems  (  back problems ). The loan was up to date and the unit was sold leaving a remaining balance. The remaining balance was payed off as requested by the lender. My action was voluntary and accepted at all times. As you can see the payments were  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Payday loan) with National Principal Group, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company calls me several times a day wit a recorded message about tracking me. I called back and the woman on the phone told me that I defaulted on XXXX payday loans back in XXXX and XXXX. She claimed i owed over {$1500.00}. She threatened me with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am in the XXXX XXXX XXXX XXXX XXXX program. XXXX/XXXX/XXXX I paid XXXX dollars to my XXXX/Navient private student loans. Prior to making the payment I asked the customer service agent 2 questions : 1 ) Will this be applied to my principal? 
2 ) will this pay my account forward XXXX2 years? 
The agent advised me " yes '' XXXX would be true. Subsequently, over the past 2 months I have been charged a monthly bill. Last month I called Navient and spoke to a customer service agent who advised me that there was an error in their system and that this would be corrected by XXXX/XXXX/XXXX and My account should be payed forward ~22 months. However, today I again noted that I have been charged a monthly bill for this loan. Today, the customer service agent and supervisor told me XXXX new responses : XXXX ) firstly, that because I was enrolled in automatic bill pay at the time I made the large payment that this was not able to be paid forward. 
XXXX XXXX Than later after being on the phone with them for about 40 minutes I was told that this type of loan can not be paid forward. 
I have advised the supervisor that I had SPECIFICALLY asked the original customer service agent this question prior to making the payment and had confirmation and was again advised last month that they had corrected the problem and that had been again advised that the loan was than to be paid forward XXXX months. To which her response was essentially that they where not responsible for what the previous customer service agents had advised me but they would be disciplined if upon review they they where in error. 
This dose not really help me as the money I have budgeted to pay this loan monthly is now in their hands and they continue to request payment. This causes me financial hardship ( as I have many student loans and other debt ). The remedy I would like is that they apply the funds ( which I have already paid them ) forward 22 months as they originally have advised me was being done. 
- for the time being I have requested forbearance Supervisor I spoke with last was " XXXX '' ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: United Revenue Corp has not provided me with a HIPPA release. A bill is not validation. The bills speak of insurance agencies I have no affiliation with. Reporting XXXX invalid accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 03/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, I have lived in my home from XX/XX/XXXX and I have paid my mortgage on time until XX/XX/XXXX when my husband was laid off and we started to fall behind on payments at that time we called the bank that had our home loan which is Bank of America to get a loan modification and they denied us so we still try to make a payment here and there but it still was not enough so we tired to get a loan modifation again and they only took off {$100.00} dollars for XXXX year and the next year it went back up by {$200.00} dollars. We called them and ask them why and they said it was because of the interest rate changing. So we tried to pay that amount but it was still hard to do. We have asked Bank of America to produce the wet ink note of our loan and they refuse to do so. So now they are trying to forclouse on our home and we are trying to apply for another loan modication and instead of them trying to help us they are trying to set a sale date. I know the law and they can not set a sale date while we are in the middle of another loan modification. Please can you help us. We are trying very hard to work with them. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are XXXX address that I never had lived in! Had not lived XXXX XXXX XXXX, nor XXXX, Florida. I am concerned about this

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Consumer Loan (Installment loan) with RFNA, LP (GA).
Issue: Managing the loan or lease

Complaint: Again I making another compaint against Republic Finanace regarding there reporting to the XXXX major credit bureaus. On XX/XX/2017 I was notified that My Republic Finance account was 30 days late for the month of XXXX. A payment was made via telephone on XX/XX/2017 which took approxiamtely three days to withdraw from my account. At that time my account would have only been XXXX days past due. My account payment is due on the XXXX day of the month which means that on XX/XX/2017 I would be considered XXXX days past due. I made a payment in XX/XX/2017 that took approximately that posted on XX/XX/2017 to bring my account current and if I was delinquent at the time it would have reflected on my credit report for the month of XX/XX/2017 as XXXX days past due but I was reported as being current. In previous conversations I was informed by the main office that they report account status at the end of the month, whch clearly states they are disregarding federal reporting rules and regulations when it comes to reporting account information to the FCRA 's. As of XX/XX/2017 my account is XXXX days past due and if I submit a payment before XX/XX/2017 then my account would remain still be in a current status.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: experian after completing an investigation allows creditor to " re-age '' the account which makes it more damaging and is misleading and inaccurate.the creditor is west asset mgt, account no.XXXX.the account history shows in collection as of XXXX XXXX, when their own previous report shows paid in XXXX XXXX. 
EXPERIAN REFUSES TO RE-INVESTIGATE AS FRIVOLOUS.

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 06-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have sent this information to Equifax too many times to count they are out of time I do n't want an investigation opened I want this account removed as the letter states it not far that I must wait and wait and wait why they do nothing but call and give them my info SS # and address to verify I have an account I am request a final time the that this account with santandr is removed from my credit report they are giving my information away in order verify an account that should be removed I had a inde independent arbitrator on the phone the last time we talked Equifax in not doing things right or legal

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Security Credit Services, LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit report and saw two entries for the same company Security Credit ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. 

One entry was for a collection account of {$910.00} and another same company for {$1100.00}. I tried to contact on the company on XXXX/XXXX/XXXX and they told me that I was well aware of what the debt was for and that they needed my ssn and my current work location. I refused and told them to remove this erroneous entry, was put on hold for 23 minutes, when i finally hung up. 
I haveno idea what this collection debt is and I want it removed from my report immediately. I am a XXXX XXXX XXXX veteran and I am trying to buy my first home within the next 15 months and this false entry is really hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Mailed in payment to mortgage company was not cashed. Nationstar Mortgage loan # XXXX Called and had check stop issued and did payment over phone so not late then mortgage company sumitted check to bank XXXX days later. Billed us {$14.00} for NSF fee I called and said our payment was made earlier by phone please remove fee. They said that they would do. Because we send more than payment we have extra put on principle. Received XX/XX/XXXX statement and in stead of putting it on principle they listed it as Adj Forbearance Suspense crediting it and then debiting it. Then I have a Property Inspection listed with a charge of {$14.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Student loan (Private student loan) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: While attending the University of XXXX, in XXXX, I was forced to take a leave of absence due to a major family tragedy. Before leaving, I made sure to pay every dollar of every loan I took, so that my balance was XXXX. Two years later, I attempted to go back in order to complete my degree, in the fall of XXXX. Financial aid was now much harder, I had no choice but to take out approximately {$14000.00} for my first year- a combination of Federal ( Stafford , Perrkins ) and private ( Citi Assist ). As, I did not have financial support from home, after two semesters back in school, I realized that I could not afford to finish my degree. I was not able to focus on my studies with the stress of needing to buy food and worrying about not having a place to sleep. Therefore, once again, with no other option, I left XXXX for good, in XXXX XXXX, giving up on the dream of finishing my education to financial hardship. Not only was I not able to complete my degree, but I now had {$14000.00} debt over my head. I was sad to be forced out of school after trying so hard, but I had no choice. I took on three jobs, at time four jobs, and began paying off my debt with any money I had left after paying basic living expenses. I worked 24/7 to pay off my new college debt, and for the first 5 years knocked down my debt from {$14000.00} to approx {$8000.00} in various Citi Assist loans. When I struggled to make payments, my debt was transferred to a collection agency. I begged for help but they wouldn't budge. Finally, I managed to to reach a settlement and consolidate ALL OF MY LOANS INTO ONE LOAN, in the summer of XXXX. which I paid off in blood sweat and tears, bringing my balance down to XXXX. To my horror, despite having PAID MY LOAN IN FULL, my credit report reflects that there is still some Citi Loan. This is a brutal mistake, as everything has been paid already. I have records of this, and I received a letter stating " I paid ALL of my citi loans ''. I am desperately looking for my old hard drive from 7 years ago to find these documents. 
I can not begin to describe how unjust, unfair, inhuman, and cruel it is that after everything I've been through, and having working harder than anyone can imagine, and having paid all my debt in full, there still appears to be a debt on my credit report, which has caused me more damage than I ever explain. 
I plead with you to look into this matter and see how cruel and unusual this is.

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 09-02-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: i dont know wher these dept are coming from please help me find them out

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Conventional fixed mortgage) with Fairway Independent Mortgage Corporation (AZ).
Issue: Credit decision / Underwriting

Complaint: After submitting all necessary documentation required for my loan application Fairway Mortgage did NOT notice that one of the items on my credit report was showing " in disputed ''. The week prior to close they had me sign a paper advising the credit bureau that the item was no longer in dispute. In so doing it changed the last activity date on the disputed collection to XX/XX/XXXX disqualifying me for the loan on the last and final day of closing. Had they done their due diligence and noticed it during the initial application process the pain, anguish and expense would have been avoided. Due to their error not only did we NOT move into our home the next day but we lost, what to us, was a substantial amount of money. 
This could have been completely avoided had Fairway Mortgage done their job appropriately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent LVNV a certified letter on XX/XX/2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company did not respond. After the 30 day time limit passed, I sent another certified letter on XX/XX/2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: I purchased a home in XX/XX/XXXX and refinanced in XX/XX/XXXX when the mortgage went up to double in XX/XX/XXXX I did not know this was going to happen they tried to foreclose in XX/XX/XXXX but did not have the deed. I was not eligible for the National mortgage settlement because the foreclosure was dismissed the house sat unoccupied for 2 years I was contacted by XXXX XXXX XXXX to move back and they would help me save my home so I could sell it and get it off my credit that never happened I had to move my family from XXXX  to XXXX in XX/XX/XXXX in attempts to save the house that XXXX XXXX XXXX was going to foreclose for the second time after the there was no activity in the house for 10 years. I believe they did not go for the foreclosure XX/XX/XXXX so they would not be penalized and I would not be able to get the settlement for there misconduct. Now 10 years later XXXX XXXX XXXX  with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. are back in court trying to foreclose on this house. I hired a group to do a forensic review and was told there was robo signing and federal laws broken. They are trying to foreclose in XX/XX/XXXX. 
File Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There has been a collection added to my report on all XXXX bureaus, that does not belong to me for {$890.00}. The collection company is XXXX XXXX collecting for XXXX XXXX XXXX. I have been doing searches on the company name, XXXX XXXX XXXX, and I keep seeing SCAM, FRAUD - lawsuits by states - cease and desist orders from states. I have filed disputes with XXXX of the bureaus and I will call the XXXX. I have worked so hard on my credit and I 'm just sick that I have to spend all of this time chasing down a fraudulent report. I 'm reporting this in hopes of clearing it up and to provide information, as I suspect I 'm not the only one this has happened to. Please 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 non-monetary relief
Consumer complaint received 06/18/2017 about Debt collection (Medical debt) with Millco Management (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was seen in the emergency room at  XXXX   XXXX   XX/XX/16    my insurance company  XXXX   XXXX   XXXX  paid the bill and I have a copy of the letter from my insurance company stating that I am not responsible for the bill  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief