milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Since XXXX i have been battling with 3 companies which i believe to be the same reporting bureaus. They are reporting closed paid off accounts information to the 3 major reporting agencies. 1. Syndicated Office System 2. XXXX XXXX XXXX 3. Central Financial Control All three parties are reporting multiple accounts which they are also reporting them as duplicate on my credit report showing {$550.00} 3 same account # also {$150.00} 3 same account # also {$750.00} 3 same account #. And they also added the totals and created an account adding all the totals together. I tryed contacting the three parties to please remove accounts or provide information and received nothing and it is still showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Mortgage (FHA mortgage) with MOVEMENT MORTGAGE LLC (AR).
Issue: Credit decision / Underwriting

Complaint: I was approved by a underwriter at Movement mortgage and at the day of closing my loan was denied, all my documents were approved, my income was verified, I had all funds cleared for purchase in my bank. The company did n't bother to call me after driving 4 hours to close on the home, it was very damaging to my credit i have taken a large hit because of this deceptive practice. I arrived at the home of my dreams talked to the agent and inspected the home before providing title company with down payment, and to my knowledge i was the victim of mortgage discrimination there was not reason why my loan would be denied according to the loan officer 45 days prior, which was more than enough time for underwriting to verify docs to make an offer, I also have emails that prove that this was not just a pre-approval I was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: This is concerning fees charged by Champion Mortgage Reverse Mortgage Servicing Department. Champion sends monthly reverse mortgage statements showing detailed transactions. The monthly statement for the period, XXXX XXXX, XXXX, showed XXXX property inspection fees ( XXXX XXXX and XXXX XXXX ) of {$20.00} each. Upon review of previous monthly statement, I discovered {$20.00} property inspection fees were assessed each month from XXXX XXXX XXXX, XXXX. In sum, for six months, from XXXX XXXX XXXX, XXXX, Champion charged XXXX property inspection fees of {$20.00} each. Additional fees include a property appraisal fee of {$330.00} on XXXX XXXX, XXXX, and attorney fees/costs of {$290.00} on XXXX XXXX. XXXX. All of these charges were added to the loan balance each month. I called Champion Mortgage on XXXX XXXX, XXXX, to inquire about these charges and was told to submit a written request. A written request was mailed on XXXX XXXX, XXXX, with a follow-up request on XXXX XXXX, XXXX. Champion responded on XXXX XXXX, XXXX, stating, " A response will be provided no later than XXXX XXXX, XXXX. However, responses are generally provided in less than ten days from receipt of the correspondence. '' I have not received a response. 
For the record, this property has sold and settlement was XXXX XXXX, XXXX. Champion was notified and a copy of the listing agreement was mailed to them on XXXX XXXX, XXXX. A copy of the sales contract was mailed to Champion on XXXX XXXX, XXXX. This property is in a condo development with all brick exterior. I can assure you no one representing Champion entered the condo for the appraisal or the XXXX monthly inspections. It has been four months since I contacted Champion concerning fees assessed for property inspections, an appraisal, and attorney fees without response.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Paid off our mortgage loan XXXX/XXXX/15. Chase is not reporting our payment on XXXX XXXX, 2015. On our credit report states our last payment was made XXXX in the amount of our payoff, but this was made on XXXX XXXX 2015. Enclosed is the proof of payment on XXXX XXXX as well as a letter from Chase dated XXXX XXXX that our mortgage has been paid off. We made a regular scheduled mortgage in XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: XXXX XXXX Ditech Loan # XXXX On XXXX XXXX, I cancelled my automatic direct debit of {$700.00} with Ditech, as I finally had a refinance with another company that was about to fund. My direct debit was scheduled for the XXXX. On the XXXX, the same day I funded, Ditech still pulled the money out of my account. I called customer service and they said I had to notify them 8 days before the XXXX in order to avoid the withdrawal? My refinance wasnt even approved 8 days prior to the XXXX. I called again on XXXX XXXX and spoke to a supervisor who said my money was on the way. I then received an escrow shortage check in the amount of {$30.00}. How is this possible if I dont even escrow with Ditech? It is now XXXX XXXX, and I still dont have my money. My new mortgage payment was due on the XXXX. Im not made of money. I spoke to customer service yesterday and they now say I have to wait 30 days. So to get this straight. Their process is to refund monies that are no longer theirs, 30 days after theyve taken the money? Why? Why does it take a mortgage lender 30 days to refund money that is no longer theirs? Most financial entities are 7-10 days-pretty standard. Ditechs abusive policies jeopardize the livelihood of those that are trying to do the right things for themselves. Now, Im tarnished with my new lender. I want this complaint with Ditech addressed and a detailed response to my situation, vs. a canned approach from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I started receiving statements from the Department of Education about my student loans. Later I received a notice for another company, that call themselves Nelnet ; stating that I have students loans with them. I had pulled my credit report and they both were on it. The Department of Education show as transferred accounts. Nelnet shows balances that I owe them. Nelnet show as I missed payments. I always call to get a forbearance because I do n't have a job to repay the loans. So, what I 'm asking of you is to help me get the missing payments off my credit files and place them as current. Also get the Department of Education off my files. I was not aware of a transfer until I seen my credit reports. I ca n't afford to pay the loan back. I do n't have a job but I 'm looking.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: As I have informed Equifax , I have an account on my credit report, XXXX account receivable. cadillac agreed to removed from my credit report once paid in full. It has been paid in full. it has been deleted from the other two credit agencies but I am having issues getting Equifax to remove. I have told Equifax they can call XXXX who is my representative at XXXX account receivables and he will back up everything I am saying.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. ().
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: In short I was contacted by  Citi  bank and they have offered mediclaim policy of   XXXX   XXXX   XXXX   XXXX  , in  XXXX  and policy was issued and premium was debited in my credit card and it was paid by me. After that in  XXXX  before expiring that policy I have sent the mail to  Citibank  for not issuing the fresh policy or renew the mediclaim policy.   Even prior information for not issuing the policy they have issued the fresh policy and debited the amount in credit card statement. After that I have sent so many mails not a single mail was replied.   Now two month back I have come to know that Citibank has reported me defaulter and updated in  XXXX  so now my request is this kindly go through the attach file ( all mails sent to Citibank  )  and resolve this and arrange to remove my and my wife name from  XXXX .   For your ready reference i am attaching the word file with all correspondence done with citibank.

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 08/31/2016 about Student loan (Federal student loan servicing) with ACS Education Services (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been in XXXX for two years, and entering my third. ACS has continually, through the three years, continued to withdraw a monthly amount, and claims they have no record of my enrolling in school ( no other lender has this issue ). Furthermore, I can not get a person on the line now, because every time I try to call, the system gravely informs me that my account and social security number are incorrect, and to 'call back when I have that number. ' Again, I am entering correct information. ( Although the website says it does n't display the full account number, with is supposed to be found under a non-existent general info tab ). This is beyond frustrating, and ACS should be held accountable in some way. Please help me contact them and get this issue ( that should not be an issue ) resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: TAX LIEN DEBT SATISFIED. The tax dept was satisfied in XX/XX/XXXX. Satisfied Tax liens are supposed to be removed from ALL credit reporting agencies. Case/Docket # XXXX Date Filed XX/XX/XXXX Date Reported Court XXXX XXXX, Alabama. Status : Satsified Lien Amount {$1300.00}

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My wife and I sent investigation requests to Equifax back in XXXX. I am attaching a copy of the request we sent them. My wife received her investigation results well over a month ago. To date, Equifax has not sent me anything. I have sent several follow-up letters to Equifax. Still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 I went to the Bank of America located at XXXX XXXX in XXXX Georgia to put some items into my safe deposit box. After the confusion of the procedure for customers to follow to gain access into their safe deposit box ended, I was asked for my box number so they could provide access. Since I could not recall my safe deposit box number they had to look it up in their files. When the representative went to the location of where they keep the files for the safe deposit boxes my file was conspicuously absent. It was later determined that the represent that opened the safe deposit box had it in his possession. Why would a representative have a file in his possession preventing other employees of Bank of America from accessing it out of a legitimate need to do so? My safe deposit box was opened approximately three XXXX 3 XXXX weeks ago so it should have been placed in its central file location so that all representatives of Bank of America employees would have access to it if it were needed. Is there a legitimate reason for the Bank of America to keep my safe deposit box file in his immediately possession? Once they were able to find the location of my safe deposit box, my key did not work. It turns out that my contract says that I have safe deposit box XXXX but I was given a key to safe deposit box XXXX XXXX. When I opened the safe deposit box and placed my initial items in the box, they were placed in safe deposit box XXXX. I do not believe that this could have been done accidentally. All of the representatives that placed my key inside of safe deposit box XXXX told me that it did not go to that box and noted that the key was not going completely inside the safe deposit box. When I placed the key inside the safe deposit box it went in just fine and the safe deposit box XXXX opened. It would seem as if the Bank of America employees that assisted me in gaining access to my safe deposit box were actually attempting to keep me out of it. I have enclosed a copy of my safe deposit contract as well as the sleeve that contained the keys to the safe deposit box I was given that differed from the assigned safe deposit box on the contract. You have CRIMINALS in your midst as this is not the first incident I have had with Bank of America. I can only assume that you are not one of them, so my question becomes what are you going to do about it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XXXX XXXX, 2017 I logged into XXXX XXXX and I see that my XXXX XXXX account and my XXXX XXXX account is not showing up on my account and has cause my length of credit history to go down and my credit utilization has gone up due to these accounts being removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is incorrectly reporting a collection account from XXXX XXXX XXXX on my credit report. I have disputed this account on numerous occasions and the company has yet to respond or produce any evidence to validate said debt. I sent a 609 letter to Experian on XX/XX/XXXX along with my ID in an attempt to get this matter resolved. The collection was not removed nor was any evidence produced to validate the debt. I called Experian on XX/XX/XXXX to once again, in an attempt to have this fraudulent and incorrect account removed from my credit report as I am in underwriting for a mortgage and i can not move forward with the process until this matter is resolved. I was then advised to make a claim with CFPB because the company would keep reporting the debt. Under FCRA 15 U.S.C 1681i, all unverified accounts must be promptly removed. They were unable to provide me with a copy of the verifiable proof that this was in fact a valid debt within 30 days of my request therefore they must remove XXXX XXXX XXXX acct # XXXX permanently and immediately.

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 09-05-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I closed an account with XXXX. I paid all monies due and returned all equipment to the company. XXXX then sent my account to collections with out notifying me. I informed the collections agency that all monies were paid. in XX/XX/XXXX diversified consultants put on my credit an collection for XX/XX/XXXX. this information inaccurate for two reasons 1. the account is paid in full. 2. the account was charged off in XX/XX/XXXX. the FCRA sec 623 says that an company has 30 to notify me before putting anything in regards to my character on any consumer reporting agency. to report a new account on an old debt is also against FCRA. diversified consultants, during our conversation explained that they knew the account was was closed in XX/XX/XXXX and charged off, however still reported it as a fresh debt, a significant violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Consumer Loan (Vehicle loan) with AUTO TRAKK LLC (SC).
Issue: Problems when you are unable to pay

Complaint: On XX/XX/2017 I made a complaint with CFPB concerning Auto Trakk. I also sent them a certified letter and disputed with all XXXX credit bureaus. Their response to my complaint was as followed " Auto Trakk, LLC 's records reflect all appropriate notices were provided to customer both pre and post possession of the vehicle the customer leased. '' That is not true this company is re-ageing an account and is not validating this debt which is against FCRA. I have attached a letter I received from Auto Trakk asking for my social security #, address and phone number. So what information is they sending to credit bureaus???? If this account is removed from all XXXX credit bureaus IMMEDIATELY, I WILL SUE!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing a complaint against Specialized Loan Servicing LLC ( SLS ). At best, SLS has a faulty billing/payment process. At worst, the SLS 's billing/payment process was intentionally designed to charge their customers additional interest and late fees. 

The HELOC loan my wife and I had with this company was at the end of its term, due date XXXX/XXXX/2015. I sent in a final payment to cover the remaining balance for the XXXX/XXXX/2015 billing cycle. SLS received this payment into their account on XXXX/XXXX/15, the due date for the given billing cycle. SLS is now claiming that we still owe {$95.00}. This loan should be closed and the balance set to XXXX. 

This was not the first time that SLS has made an error in their collection process and attempted to charge us for their error. Our loan was sold to SLS within the last year. The first payment that we made to SLS on this loan was recorded as a principal payment rather than a monthly payment. SLS attempted to charge us a late penalty for that given month. My wife had to call SLS to have them register our payment as our monthly payment and to have SLS remove the late penalty. 

With this latest error, I am convinced that SLS ' errors are actually part of the company 's business model - SLS makes errors and then charges unsuspecting customers penalties for SLS ' errors. 

Here is a timeline of my final payment to SLS:XXXX/XXXX/15 - mailed final payment to SLS in the form of a check. 
XXXX/XXXX/15 - the check was deposited by SLS, check is stamped " RECEIVED XXXX XXXX 2015 Teller XXXX ''. ( Please see attached image of check ) XXXX/XXXX/15 - amount of final payment was deducted from my bank account, based on bank account records. The payment was due on XXXX/XXXX/15, SLS received my payment on XXXX/XXXX/15. 
XXXX/XXXX/15 - received XXXX letters from SLS. XXXX stating that there is a remaining balance of {$62.00}, another stating that there is a remaining balance of {$95.00}. ( Please see attached image of letter requesting {$62.00} ) XXXX/XXXX/15 - called SLS at XXXX PT. Spoke to a XXXX, she transferred me to XXXX. Requested that the loan be closed and the balance be set to XXXX. XXXX said that we still owe the balance of the loan. I stated that I am not paying SLS another penny. 
XXXX/XXXX/15 - received XXXX letters from SLS. Both of these letters state that we owe {$95.00} on this loan. ( Please see attached image of letter requesting {$95.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report has information not belonging to me. And there is another SSN that is not mine. I have pulled the report with all XXXX agencies and they show items from XX/XX/XXXX. I am press for time in getting this repeatedly removed. There is XXXX in this process and ID theft during XX/XX/XXXX. I place a watch with several companies and no resolutions in site.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been disputing this debt for the past six months with no resolution. On XX/XX/XXXX I first requested validation of the debt. They responded XX/XX/XXXX with an itemized bill which does not validate a debt under the FDCP. I pulled a subsequent credit report on XX/XX/XXXX it was not marked as disputed, they were once again in violation. On XX/XX/XXXX I then requested the entry be removed from my credit report because they did not mark the entry as disputed within the allotted time. They responded by saying " we have previously provided you with verification of the debt ... there is no duty to provide it multiple times and will not respond to any further requests ''. I tried to restart the dispute process and sent a " request for validation '' letter on XX/XX/XXXX. They responded yet again with an itemized bill. RMP has failed on multiple occasions to " validate '' this debt. If they can not validate this debt it needs to be removed from my credit file because I am trying to obtain a mortgage and this non-validated account is harming my score.

Company response to consumer: Closed with explanation