milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a satisfied tax lien from XX/XX/XXXX that continues to appear on my credit reports despite being satisfied and cancelled as of XXXX XXXX XXXX. I believe the lien in question resulted from alleged failure to pay sales tax on the purchase of a vehicle from a private owner that continued to be registered in my name without incident up until XXXX. It seems to me then that the lien should not have been there in the first place as one ca n't register and continue to register a car without having paid sales tax however as the incident took place so long ago, I no longer have any documentation to dispute it. It is my simple wish that the lien be removed from my credit report as the debt has been satisfied and misrepresents my credit worthiness to lenders- to my detriment. I can assure everyone the State of Georgia will not take my consumer report into consideration before levying a tax on me. What 's more, the amount owed in the lien was taken out of my tax returns yet again this tax season despite being satisfied, so if the lien could be construed in any way to be a reflection of my credit worthiness, it should be my ability to extend it to the State of Georgia as five months after reporting this error I have yet to see that money returned. If the consumer reporting agencies truly cared about accuracy, then they 'd mention the fact that the fine state of Georgia has brought forth an unverifiable claim of an outstanding debt six years after it was allegedly incurred and followed the act by forgetting it was satisfied one year after I paid, but I digress. I maintain simply that a 13 year old satisfied debt fails to paint an accurate depiction of my credit worthiness to lenders, and should be removed from my credit 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 06-05-2017 about Debt collection (Medical debt) with Michael Harrison, Attorney at Law (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I  XXXX   XXXX  am entitled to the same benefits of the   XXXX   modification to reporting of medical debts just as any other American consumer. In   XXXX  , I was involved in a near fatal work related accident. My Union insurance will eventually cover 100 % of all medical claims, but while I was recuperating for over 18-months, several medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of a  180-day writt en notice that after th e 180-day notic e expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB  XXXX   XXXX  agreement of   XXXX  . All  medical collections m ust be removed immediately by all medical de bt collectors,   and I must be send  a 180-day n otice, so my insurance can work on resolving all claims. REMOVE ALL  MEDICAL COLLECTIONS AS  MANDATED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: VOLUNTARY REPO OF A CAR BY XXXX. They falsely state their terms of their loan. They sold the car for {$700.00} and want me to pay almost {$10000.00}. XXXX and XXXX XXXX has deleted from my credit report but it still remains on experian. They are also in violation of the arbitration clause.

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 08-06-2017 about Mortgage (FHA mortgage) with 21ST MORTGAGE CORP. (LA).
Issue: Trouble during payment process

Complaint: I have repeatedly tried to speak with this company and this is the third complaint I have against this company. On XXXX XXXX, 2017 I paid {$260.00} and some cents, when I checked my credit report it is still showing I owe them {$2.00}, XXXX. Even though we are in an agreement for the payoff amount of {$510.00} to be made over two payments one which was paid on XXXX XXXX, 2017 and the other on XX/XX/XXXX for the balancing amount. When I asked about why is it still showing, he ( the staff attorney ) told me that is how they company work until I pay the full amount. Now it is showing that my account needs attention, which it does n't. I truly do n't understand how these people think it is okay to keep messing with my credit report, using the fact that my Escrow account have a lot to do with it. When I cancel my insurance that Escrow Account should be done. I do n't even understand what he is talking about and the fact that he keeps bringing up the Escrow account what does that have to do with anything. My home has always been tax exempt and it is recorded at the Parish Office where I live, so how are they paying taxes on a tax exempt home and where is the money that they supposedly paid for my taxes on my home. To my knowledge I am the one that put the money in my escrow account but according to him it is something I owe to them. this truly has be in a daze. The escrow account money should be returned to me and from what he is telling me it does n't. This has gotten totally out of hand, this company have toyed with me from the beginning and is still doing that including sending me late payments bill. Once I came in agreement with the payoff amount it should void everything else out and for this company it does n't.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Application, originator, mortgage broker

Complaint: I inherited a house years ago and the banks did not keep up with the paperwork. I did not know anything. Thought the house was free and clear according to probate court. Now I try to get a loan and can not. Have not been able to to find anything on who is servicing this old mortgage so I can get it released. 4 companies so far and no ones has it. I am tired of the run around and mortgage companies being able to do what they want and leaving people helpless. They need to be filing proper information like everyone.

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 08/23/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am currently unemployed and live in the state of California. Seterus is the mortgage company that services my loan. The investor on my loan is XXXX and Keep Your Home California ( KYHC ) is making my mortgage payments until I am employed. The escrow portion ( taxes and insurance ) on my mortgage payment went up ( in XXXX 2016 ) which caused the payment to change in XXXX 2016. Seterus was to notify KYHC and advise them of the escrow change and payment change. On XXXX/XXXX/16 I contacted Seterus and spoke with representative about status of loan. My loan is due for XXXX/XXXX/16 and funds in the amount of {$1000.00} for the XXXX 2016 are in suspense. Payment amount is now {$1000.00}. Seterus representative informed me that they do not contact KYHC when there is payment change that I need to do this. I stated mortgage company must contact KYHC when there is payment change. Representative stated they would look into this and call me back XXXX/XXXX/16. I did not receive a call from Seterus. I called Seterus XXXX/XXXX/16 and spoke with Service Lead representative that I received Seterus acceleration letter and did someone from Seterus contact KYHC about payment change. I stated supervisor was suppose to call me back on XXXX/XXXX/16 but I have never received call. He stated supervisors do not call borrowers and stated he was not sure if someone has contacted KYHC. He asked if I had something in writing from XXXX that states payment change process that mortgage company must notify KYHC directly of payment change and for me to email him this info. I stated I would not do this and Seterus must contact XXXX. This person was rude and hung up on me. I am stunned as it seems to me Seterus does not have process in place for payment change when receiving funds on loan from federal funded program. I called KYHC XXXX/XXXX/16 and asked representative if they had received notification from Seterus regarding payment change they stated no. I verified process on payment change with representative and was advised KYHC must receive payment change notification from mortgage company not borrower. I called Seterus again on XXXX/XXXX/16 and requested supervisor but was told I spoke with supervisor on earlier call. I stated I did not speak with supervisor but service team leader. I stated I just spoke with KYHC and they advised me there is nothing from Seterus reqarding payment change notification. Representative stated they will need to check on this and call me back. I stated when will they call me back as they did n't last time. Representative stated they would call back. I also am worried my credit bureau report is being negatively affected which will cause me more problems trying to get a job. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is the third complaint I have filed with you about this company, SLS L.L.C., or Special Loan Services, LLC. This company has so many complaints on the Consumer Services site and all are similar to the complaints I have had with them, including procrastinating on responding to customer complaints which puts extra late fees in SLS 's pockets, not reading correspondence and instead sending it back which also increases time and hence late fees, ignoring customer requests, ignoring California XXXX Laws, and it goes on and on. I have sent certified letters to the CEO and a vice president over two weeks ago and have received no action from the management or from the other people in the company. I have a mortgage, which I received due to a foreclosure and I paid over {$18000.00} wired in via XXXX XXXX to pay the arrears, which the XXXX original mortgage holders, XXXX and XXXX XXXX, accumulated because when they found out I was foreclosing on them, they stopped paying the mortgage to SLS. I contacted SLS and asked, after I faxed them my new trust deed to verify on the property at XXXX XXXX XXXX, XXXX, Ca. XXXX, XXXX XXXX no. XXXX many weeks ago. I also faxed the XXXX XXXX code that supports this action-and they still refuse to put my name or release to me any information on the loan. HOW CAN I PAY THE MORTGAGE ON XXXX, 2015 IF I DO N'T KNOW HOW MUCH IS DUE?? I also had my insurance co. fax info on my new insurance and SLS refuses to acknowledge it because they continue to tack on the cost of their insurance which is expensive. This company is totally money driven, without concern to their customers. Read the complaints filed against them-they all support this. 
All the supporting documentation is included in this email. I feel like no one is listening. 
Please get back to me asap so I can take over the mortgage on this property, handle it responsibly and take care of this business acquistion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Medical) with ESCALLATE, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I called to ask about the account that I saw in collections and informed the company that they had the wrong address. I never received the bill. I did n't know what it was. I asked to have a bill sent to me so I could review it. I was told that if I did n't pay immediately it would stay on my report no matter what. I ended up paying for it and I 'm not sure if it was my debt. They would n't give me the doctors name or anything. When I contacted the original creditor they did n't have my information. No social security numbers nothing. I 'm not sure who I gave my credit card information to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NM).
Issue: Struggling to pay mortgage

Complaint: We were offered a loan modification/assumption by nationstar mortgage now mr cooper. They told me in 2015 that they needed a QCD from the mortgagor to me the occupant of the property with mom as a cosigner. 
I got XXXX and had my XXXX XXXX, could not XXXX, XXXX XXXX XXXX XXXX XXXX and needed total care ( XXXX facility level of care ) for 10months awaiting XXXX, had several interventions and now I am walking after a long time in XXXX. I am working with XXXX XXXXo secure employment as a XXXX person and meanwhile my mother, who wanted to cosign to the loan, has been paying through XXXX XXXX escrow. the payment specified in the land contract that wrap the mortgage as investigated by the title company where I bought insurance. 
I asked for a new package in XXXX. It appears that the company sent the package not to my address, XXXX XXXX XXXX XXXX, XXXX, NM. XXXX which is where I live but to a XXXX XXXX in Florida to the mortgagor 's name for them to modify. 
The mortgagors had made the point to all that they do not want to modify, do not want the house, nor the loan. The bank states they did want to modify and that they did not send me another package to me because the mortgagors wanted to modify. I am attaching the company response as well correspondence of the mortgagor to me, I believe there is a miscommunication between all parties absent from acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau report XXXX XXXX late on my credit report. I was never late. I pay on time

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 03-09-2018 about Debt collection (I do not know) with Source Receivables Management LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have never signed an agreement that i understand there to be a debt with you. Therefore there is no debt and fraud is close too the actions you are taking

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NM).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company, Seterus , Inc., misapplied a payment to escrow instead of to our loan balance. Despite numerous calls, this problem has not been corrected, our account is showing past due and late charges have been applied. A negative report has been sent to the credit bureaus resulting in a drop of almost XXXX points on our credit score. I have never missed a payment on this loan, and have never been late with a payment except when I was given incorrect information with regard to correcting this error on their part. This has been going on since XXXX 2015 and is still not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Have been trying to resolve a debt with Transworld Systems , Inc. ( TSIXXXX ) but am unable to get anyone to help me. This debt was settled with XXXX XXXX  XXXX XXXX XXXX in XXXX 2017 and I have called Transworld at least 5 times only to be referred to their " legal team '' which then routes the call to XXXX, XXXX, XXXX XXXX XXXX who tells me the account is settled. Each time I call Transworld, the person answering the phone refuses to let me speak to any other person besides their " legal department '' which immediate refers to XXXX. The people at XXXX, XXXX, XXXX XXXX have been very nice and accommodating, but they reply that they have marked my account as closed and there is nothing further they can do on their end, and they encourage me to call Transworld Systems Inc. I am becoming very frustrated as I have not received any documents in the mail from Transworld saying there is any balance owed, but it is showing an open collections account on my credit report. I have tried for weeks to contact each company and figure out what to do. I have followed up with Transworld, XXXX, XXXX XXXX XXXX, and no one is helping me. There is no contact information for XXXX XXXX XXXX to follow up with them, and I have no received any communication from any of these places to figure out what the steps are to get this debt resolved.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted multiply request asking them to remove XXXX XXXX they have 6 accounts that do n't. Belong to me Please help remove this incorrect information

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 06/23/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Subject : Deed in Lieu of Foreclosure, XXXX, XXXX XXXX, XXXX, CA XXXX Bank of America Loan # XXXX have been assisting The XXXX family on a Deed in Lieu of Foreclosure since XX/XX/XXXX. Wth the advise of customer service from Bank of America I pulled comps and found XXXX lot that sold for XXXX so I proceeded to list the land for XXXX for the 90 days that was advice given to me. We never received a single inquiry on the land for the 90 days. 
on or about XXXX I started getting email communications from XXXXXXXXXXXX requesting many documents which the seller provided. On early XXXX I received a call from a XXXX XXXX, an appraiser from XXXX CA. After going to property he called me and said the property may be unbuildable due to a deep crevice dissecting the lot in half. He said the value is XXXX not XXXX and not the XXXX they paid for it. So I was advised to do a modification of terms on XX/XX/XXXX and changed the list price on XXXX for XXXX. I have yet to get an inquiry on the property. During XXXX XXXX XXXX said she contacted us that the Deed in Lieu of was denied. The XXXX and I received nothing via mail or email regarding the denial. We are requesting a deed in lieu of because, # 1 they no longer can afford the payments and # 2 the value of the property is XXXX and they still owe XXXX. They developer has not completed the improvement on the land as promised. I called the company and they do not answer the phone. Please help this family out and investigate Bank of America 's procedures. XXXX XXXX, XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Student loan (Non-federal student loan) with EOS Holdings, Inc. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Please refer to File # XXXX - which apparently is now closed by your agency. I 'm confused. XXXX XXXX XXXX by what was submitted on the above case sold a loan that was co-signed for by me to EOS. The loan was not defaulted on by my son, it was consolidated with his other student loans in XXXX, therefore they ca n't come after me for cosigning for something that is not defaulted on. I was never notified of any alleged default. The first I heard of it was when I started getting notices from EOS. This needs to come off of my credit report and this collection company needs to leave me alone. They are going after debt that is nine years old and is not real. Everything is explained in my dispute of XXXX/XXXX/XXXX in your file number XXXX I would appreciate your assistance in getting this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hi. This debt is old.

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 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, 2015 the original credit reporting company ( XXXX ) submitted my name to the XXXX credit bureaus for deletion ( XXXX reference # XXXX ), and while XXXX & XXXX have removed my " open acct. derogatory mark '' from my credit report ... Transunion continues to report this erroneous {$1.00} open collection debt on my credit report - which has had direct impacts on services I 've sought. I 've contacted Transunion who informed me that they must here directly from the collection agency. If XXXX & XXXX were notified that my name / open collections derogatory mark from their records ... I 'm sure Transunion was notified as well ; however, they have refused to remove this derogatory mark from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Debt collection (I do not know) with KELLER,GRIMALDI AND ASSOCIATES (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Started receiving calls yesterday from  XXXX . The person calling said his name was  XXXX   XXXX  and was with the litigation department at  XXXX   XXXX   (   XXXX  ) and  XXXX . Said a claim was filed against me in  XXXX   XXXX  and that I could call back to make retribution out of court. He called again today and provided the birthdate of   XXXX   XXXX   XXXX   which is not my birthdate. He said that I was the sole defendant and today was the final notice. It  may  be a scam or they have the wrong person.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation