milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2016 about Mortgage (VA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Sunwest Mortgage has maliciously reported my mortgage account incorrectly. This act was premeditated and vindictive. Because I am enrolled with all XXXX major credit bureaus, I have the date ( proof ) archived. When I disputed the data, Sunwest refused to correct even after I disputed numerous times with them directly and the XXXX reporting credit bureaus. I got the VA involved and the issue first issue was mitigated the next day. XXXX is directly responsible for the fraudulent reporting of a federally insured VA mortgage which is a felony. She has done this malicious and fraudulent act XXXX separate times and she honestly thinks she is not only above the law but immune to prosecution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I would like an address removed from my credit report. I have never lived at : XXXX, IL XXXX I have lived at XXXX since 1978

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 03-11-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom mortgage took over my loan with XXXX mortgage in XXXX 2015. Ever since this happened I have been short in escrow they failed to take out enough to cover the costs for my property tax. In XXXX 2015 I noticed they did n't pay the first installment for {$620.00} so I went to pay it at the county clerks office in XXXX california. Since then I have been waiting for a refund they promised to return. There customer service is terrible I tried speaking to a manager was on the line for over 40 minutes then call got disconnected. I have receipts and certified copys I sent out still have n't received nothing.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am filing this complaint, against EXPERIAN ( Credit Reporting Agency ), also known as XXXX, after exhausting all other avenues of resolution. My complaint is in regards to a particular tradeline that appears on my account for an unknown medical collection account. 

The tradeline is as follows : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Account # XXXX I have engaged in the following correspondence with Experian. : XX/XX/XXXX : Dispute Letter to Experian, requesting VERIFICATION of the above account with XXXX XXXX XXXX. I requested the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

XX/XX/XXXX : Response from Experian. Experian responds by UPDATING this unknown account to reflect a {$0.00} balance, and a change in address. Reporting it as a Paid Collection. 

I wrote to the reporting CA requesting validation and received no valid response XX/XX/XXXX : Letter to Experian, notifying them that this account is disputed, and providing them with a copy of my letter to the CA XX/XX/XXXX : Response from Experian, notifying me of VERIFICATION of this account. 

They made no attempt to properly investigate or verify this account, or produce any documentation that shows that the reporting CA had any right to report on this unknown medical account. 

In a phone call with Experian about an unrelated issue, the Representative informed me that for THIS tradeline, they had no documentation which would authorize them to report on this account, based on any legitimate claim by the CA. Nevertheless, the tradeline persists on my report and has done SEVERE damage to my creditworthiness at a critical time. 

This unknown medical account appears ONLY on my Experian report.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: They put my account into default when they were supposed to put a forbarence on it ( hurt my credit causing hardship ). Then they enrolled me into a program where i paid XXXX payments of XXXX $ to get out of default. After that someone from navient CALLED ME and we setup a payment plan of {$5.00} a month for the next XXXX months. I paid XXXX months on that plan and got a letter for them for {$68.00} a month. So i called them about it and they said there had been a mistake and i had to send them a letter or something and they were sorry but i have a forbearance and they could apply it to the account. She clearly stated in a recorded phone conversation that putting the forbearance on my account will not hurt my credit any more. So i agreeed. And now my credit score just dropped XXXX point. Please help i need this off my credit score i cant even get approved for an apartment. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2005 I made the mistake of getting an interest only loan, or predatory/exotic loan product via a residential loan broker and so ten years later after paying interest only for the full 10 years, I find it crazy that Ocwen is still charging me 6.125 % now on a 20 year term for the exact same amount that I started at. 
I paid the 6.125 % and made it through the 10 years now that times are a bit tighter I reached out to renegotiate the terms or hoping they would gladly offer me a mod, but every time I submit the documents they tell me the same story " we didnt get all the documents '' or " can you resubmit this or that '' when the real deal is that they just dont want to give me a better rate. 

After paying XXXX in interest only on a very iffy loan product and a very healthy down payment I find myself having to be concerned about losing my home. 

One week they say I need to be 4 months behind in order to be considered next week its 2 months and that is affecting my credit rating, plus all the lawsuits against them I was hoping they would offer it to me without me having to beg to keep paying them, keep paying property tax, and the rest of the expenses that homeownership consists of. 
Givin all the serious misdeeds and ultra lax underwriting not to mention blatant fraud in the loan origination area during that time and the fact that most of these big investors and lenders were betting on these loans failing its a bit of a conflict of interest and since the settlement you would think that it would not be so hard especially since they have recouped almost the entire loan amount in interest only, and my loan is still at 6.125 % and it was meant to be an adjustable after the 10 years and that is twice the going rate. 

I dont think that making someone jump through hoops to get a fair shake is a good way to do business with someone who has worked hard and made my payments and now wants what is fair, and I know and you know whats fair would at any other time in the history of our country be much better that a rate reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (I do not know) with LTD Financial Services, LP (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Several phone calls to my place of employment from a  XXXX   XXXX  who will never leave a message or call back number or say what he 's calling about from phone numbe r (   XXXX  )  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (KY).
Issue: Trouble during payment process

Complaint: Purchased home in XX/XX/XXXX. Was paid for through XXXX XXXX, paid XXXX for the house, paid XXXX down as the down pmt. XXXX XXXX XXXX sold loan to XXXX XXXX in XX/XX/XXXX. Then it went through XXXX XXXX XXXX onto XXXX XXXX, then to XXXX XXXX XXXX, Somehow XXXX XXXX XXXX hijacked our mortgage acct making up false accts - they stole people 's loans somehow. My identity had been stolen and XXXX XXXX was the one that told me about that in a letter from him when he was the Attorney General in XXXX. We have contacted the following to try to get help in our matter ; XXXX XXXX, XXXX XXXX, XXXX XXXX, Secret Service, FBI, U.S. Marshalls, U.S. Attorney XXXX. To no avail, we have tried to get help. We found after pulling XXXX XXXX XXXX 's credit report, it showed that the home was supposed to be paid for in XX/XX/XXXX through XXXX XXXX XXXX in the amt of XXXX. So why were we still paying on the home when it was supposed to be pd off in XX/XX/XXXX? All we financed in XX/XX/XXXX was {$18000.00}. We paid {$660.00} per mo for 72 months this was paid to XXXX XXXX XXXX. Then XXXX XXXX XXXX somehow got hold of our already pd for home and stole the loan and stole our escrow amt of XXXX, also charged us flood insurance when we do not live in a flood zone. Since then, in XX/XX/XXXX, we have been browbeaten, harassed by this SPS, threatened to have foreclosure done, We stopped paying in XX/XX/XXXX. We sent in a check for {$660.00} as usual, found out that our check had been stolen through the SPS and never applied to our acct. We had THREE different acct numbers with them. We were told it was a fraudulent company. This company, SPS has harassed me, XXXX XXXX so bad that when I went to the dr , my XXXX XXXX was through the roof, had to go on XXXX XXXX, along with XXXX XXXX too. Please look up XXXX and look up XXXX XXXX XXXX. You will find thousands of complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Struggling to pay mortgage

Complaint: I have been in contact with mr cooper going through a re modification I was notified XXXX via mail my modification was missing 2 documents that were due by XXXX I emailed them the morning of XXXX and got confirmation the modification dept received my documents. Later that night I was notified by a " house flipper '' not mr cooper my house was being auctioned off the next day!! Even after mr cooper acknowledged receiving my documents they attempted to auction my house without any notices sent to me my documents are not even due till XXXXi am a mother of XXXX full time employment and was told to file for remodification by Mr. Cooper 's upper management and in return they try to auction off my house without giving me the chance of my read modification to go through to be excepted or denied and did not notify me of anything in anyway shape or form and told me this morning that even though I am in we modification that they can still auction off my house which is not legal in the state of Michigan my home did not sell in the auction today and with the mis representation of mr cooper and lieng to me I have retained legal counsel today for arbitration all I want is to remodify my mortgage and continue paying on my home like I have the past 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Credit card debt) with NRA Group, LLC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: National Recovery Agency for the amount of {$2200.00}. I have sent National Recovery Agency a debt validation several times with no response. This item does not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: There was an erroneous charge on my TD bank account ( amount charged was {$190.00} and should have been {$1.00} for a rental agency who did n't deliver what was promised ). I went in to TD to dispute the charge and was told once the dispute was resolve in my favor, I would receive all of my OD fees it caused due to the erroneous charge. I told them that until it was solved, I would not place another dollar in the account. It took them 4 months to resolve ( in my favor ) and they have since closed my account and are not awarding me the fees that were promised to me by the members of TD Bank. They have stated that I can not open another account with them. It took them well outside the timeframe to resolve my chargeback dispute and I also did n't receive the correct fees. I was informed by the manager that TD bank had dropped the ball but because my account was now closed, there was nothing that could be done. I am also looking for an attorney and contacting XXXX as well in regards to these shady practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Advertising and marketing

Complaint: I applied for a capital one XXXX business card for an llc for which I am a member. The card is now reporting to my personal credit report. I called capital one and they said they would switch it to the company credit report. However, they called me weeks later and informed me that they added the TIN to the card but will not remove it from my personal credit. This is not a personal debt. It is the debt of the company, XXXX XXXX XXXX, and paid for by the company. If it were a personal card, it should not have been marketed as a business card and to the business with the business name on it and reporting to the business credit report. If it is indeed a business card, then it should be taken off my personal credit report. One of the other llc members also has a XXXX business card, that includes me on it as well as the business name, and capital one will not allow me to close that account because they are saying that is her personal card, even though it has the company name and tin attached to it also.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Student loan (Non-federal student loan) with ACS Education Services (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: When beginning my college career at XXXX XXXX University, I had a federal loan. My second year I had missed a deadline and had to get a private loan. I came across ACS and they were willing to help me. I ended up using them throughout my years at XXXX from XXXX to XXXX and it was great. They recommended deferments etc. when I finished as I was not making a lot of money. Once I was no longer able to do push back any further, the nightmare began. I told them I could not pay what they wanted at the time and wanted to give them as much as I could. I even sent them my pay stub! Anything I could do to show them that I was just hurting and want to pay. Customer service as ACS is ridiculous. No one is willing to talk to you. help you, and they follow up on nothing. I continued contacting them on the same issues over and over and paid everything I could. It got to a point where I wanted to get a lawyer to help me. After hearing no response from ACS at all and just paying what I could on their ridiculous payments, fees, interest rates ... I receive a court letter claiming ACS is suing me. I had the opportunity to rebuttal and sent everything I could to the courts. All the emails between ACS and I, payments ... everything. I wish I could have the phone calls that they " record '' while attempting to speak with customer service. Well, my rebuttal to the situation was obviously denied by the judge because ACS is big business and no kid can stop them. I go to a lawyer to see my options. He says I can not file bankruptcy on private loans and I should just pay them! Not to mention this whole time while making payments and fighting with them I am being assessed a ton of fees on XXXX separate loans from them. So, finally we reach a point where we settle on a payment starting XXXX XXXX at {$210.00}. That 's great except it is all going to late fees and interest. Then XXXX XXXX they raise it to {$310.00} and that is all going to interest now. I ask them why it went up and all they can say is that that 's just how it is. I have {$170.00} TOTAL paid to my principal. Now today as we speak I have not missed a payment since we agreed to this settled payment amount ( well that lasted 1 year and was raised ) and now I go to schedule my payment and it is all zeroes and says " in collection ''. I am sorry if this story sounds long, jumbled, and crazy but I have been fighting with this company for so long that it really is crazy. I just feel like there is nothing I can do but sit back and get robbed with no help from anyone. These guys need to be shut down. I will tell anyone going to school do not mess with ACS. I saw consumer finance and this just seemed like a place who would listen and maybe give me a louder voice. Thanks for the great work.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Credit card debt) with Webcollex, LLC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX / XXXX /  XXXX  , {$1200.00}, mailed certified debt verification letter to collection company, no response as of yet. Collection company is not licensed to collect in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have filed a dispute regarding a Judgement that is being reported by all XXXX credit reporting companies as unsatified, whereas, the court docket shows that the judgement has been satified. This is the XXXX time I have filed a dispute and the XXXX previous times they credit reporting companies provide a final response stating the current status was reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Alliance Data Card Services (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I filed a complaint against Paypal Credit on Saturday XX/XX/XXXX about unauthorised hard inquiries into my account which lowered my credit score from XXXX to XXXX. Hardly had that been resolved than they did another inquiry into my account today on Monday XX/XX/XXXXand it further lowered my credit to XXXX. I need urgent redress as well as per my last prayer. 

The inquiry will be attached. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Payday loan) with REGIONAL MANAGEMENT CORPORATION (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: THEY REPEATEDLY CALLED MY PHONE THEY HAVE CALLED MY FAMILY AND FRIENDS AND ALSO MY NEW JOB. I AM SCARED TO EVEN ANSWER MY PHONE NOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX, 2017 To Whom It May Concern, This past XX/XX/XXXX/XX/XX/XXXX, I filled out Public Service Loan Forgiveness Employment Certification Forms for my former employees - present employer. In total, I submitted five forms : 1. Employer # 1 ; 2. Employer # 2 ; 3. Employer # 3 ; 4. Employer # 4 ; and 5. Employer # 5 ( current employer ) 4 out of the five forms were certified, however, the Employer # 2 employment certification was not due to a discrepancy regarding my start date. I have since corrected the Employer # 2 employment certification form and resubmitted it to Fed Loan Servicing, using their online submission form, four times already. However, each time I 've resubmitted the form, the certification has been denied, leading me to call Fed Loan Servicing multiple times to clarify my start date ( which is explicitly stated on my form ). Each time, I 've had to go through my entire employment history for the four other forms that have already been certified, and during each call, the Fed Loan Servicing representative takes a few notes stating that they will " look into the issue. '' Moreover, my employer has even called Fed Loan Servicing direclty providing them with the correct start and end dates of my employment. Yesterday, I spoke to a Fed Loan Servicing representative to explain the situation again. I expressed my frustration as I went through my employment history, and as the representative listened even, she expressed confusion and frustration as to why the Employer # 2 employment certification form was not yet certified because based on her analysis, there were no discrepancies in any of my employment forms ( e.g., start dates ). Despite this, she gave the same response I 've received from them every time I 've called, " we 'll look into this. '' I do n't know what else to do at this point because I 've resubmitted and trying to get the Employer # 2 employment certification form certified four times now. As such, I hope you can help resolve this issue for me.
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with CITIBANK, N.A. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received multiple calls from both a local number ( XXXX area code ) as well as calls from the XXXX area ( XXXX area code ). I have answered and spoken with the representative to request a cease of contact and have been still receiving calls. I have worked tirelessly over the past several years to satisfy all outstanding debts and collection accounts and have pulled my full credit report multiple times. The debt in question is posted on my credit report as " legally paid in full for less than original amount '' which should have ceased collection. I have notified the collection company " XXXX XXXX '' that the debt has been settled and to please stop calling me. Phone calls have been from XXXX and XXXX over the past 2 weeks. Even after telling them that the amount has been satisfied, they say I still owe over {$7000.00} for Citi Financial. Only remaining collections on my account are XXXX overdue bill and XXXX XXXX overdue bill ; both have been paid and satisfied.

Company response to consumer: Closed with explanation