milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2018 about Mortgage (VA mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: I am a XXXX % XXXX Veteran with a current property tax exception on my property. The Mortgage service company has failed to adjust my Escrow payment although I have already called them three times and have provided them with the required documents. Every time I call, they tell me the same story and give me a date they will complete the Escrow analysis ; however, every time the date keep changing with no adjustment to my mortgage payment. The approximate taxes and insurance payment at the end of 2018 is likely to be around {$2500.00} XXXX {$2000.00} for insurance and {$550.00} for Taxes ) however, there is already {$2100.00} in the Escrow account and I am due another {$540.00} payment to the Escrow on XX/XX/2018. At this rate, I will have over {$7500.00} in my Escrow account by the end of the year. I have contacted them three times since mid XXXX but have been unsuccessful in getting them to adjust my mortgage payment to the new tax rate. the last time I spoke with them, they said, a supervisor would contact me within 24hrs ; still waiting.

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 12/16/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a dispute with Equifax and asked that a trade line account for XXXX XXXX XXXX be removed from my credit report that is was inaccurate, last payment on the account was made in 2000, the account was closed and no longer being reported to the credit bureaus by XXXX XXXX XXXX. To date Equifax is refusing to remove this trade line from my credit profile with full knowledge the account in question is in good standing PAID, NEVER LATE and the last payment on the account was more than 16 years ago. Equifax is refusing to disclose how this account is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I OBTAINED A PRIVATE STUDENT LOAN FROM XXXX XXXX TO HELP WITH SOUTHWESTERN LAW SCHOOL IN XXXX XXXX. ABOUT A YEAR AGO XXXX XXXX AGREED TO GIVE ME A 12 MONTH FORBEARANCE DURING WHICH TIME I DID NOT HAVE TO MAKE PAYMENTS. THE FORBEARANCE ENDED EARLY AND I WAS NOT NOTIFIED. I CONTACTED NAVIENT, WHO AT SOME POINT DURING THE FORBEARANCE PERIOD TOOK OVER FOR XXXX XXXX. I SPOKED TO A FEW REPRESENTATIVES ON XXXX/XXXX/15 AND THEY AGREED TO EXTEND MY LOAN BY 20 YEARS. THAT SAME DAY, I MADE THE FIRST PAYMENT WITH MY CREDIT CARD. A WEEK LATER I GOT A CALL FROM A REPRESENTATIVE WHO TOLD ME NAVIENT WOULD NOT HONOR THE AGREEMENT. I RELIED ON THEIR REPRESENTATION THAT WE HAD AN AGREEMENT. THIS RELIANCE WAS TO MY DETRIMENT. THEY WERE DISHONEST WITH ME, IN VIOLATION OF THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to get our home out of foreclosure, and it feels as though every step we take to accomplish this, the company forces us two steps back. We begin by discussing with our company, Nationstar Morgtage, that we would be going through a financial situation, making it difficult to make the full payment each month. We asked to make half, and were told that the best way to handle a situation like ours was to let it default. We did that, and also began the hardship process with the company. I sent information in, and consistently was asked for more information pertaining to our account. I understand the need for the company to be well informed on our situation, but in five months time, the hardship still was not processed, and they asked for more information, some of which was already provided. At this point, we were five months behind on our payments. We then decided to borrow money, just to get it out of foreclosure. I spoke with a representative in XX/XX/XXXX, and was told to pay a certain amount by XX/XX/XXXX. I mailed the payment on XX/XX/XXXX, and called on XX/XX/XXXX to confirm that they had received it. I was told that due to my payment being received two days late ( XX/XX/XXXX ), even though it was postmarked for XX/XX/XXXX, that I would have to pay an additional XXXX in attorney fees, just to get it back out of foreclosure. It feels as though Nationstar has done its best to do everything they can to make us lose our home. Prior to this financial hardship, we have never been late on a payment. We fully plan on refinancing after we can clear our account, and never plan to work with Nationstar again.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America is reporting with the XXXX credit bureaus that I am in Chapter XXXX bankruptcy with them/home loan and I am not. I have not filed bankruptcy on my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Previous complaint number XXXX. In response to your answer : ARS, Account Resolution Services is a third party debt collector. We are not a billing agency. We do not have the explanation of benefits from the consumer 's carrier, nor are we required to possess that documentation. The consumer does not need an explanation of benefits to inquired as to the processing of the claims in question. The consumer can contact their carrier, provide the dates of service in question, and the carrier can advise the consumer of the claim status. My response to you is that I contacted my insurance carrier and I was told that in order for them to know what bills I am claiming to be in collection, they need to get an invoice from the medical billing department. Obviously I do n't have a bill because I never got one because I provided my insurance information, so the insurance carrier ca n't check if they paid it or denied the claim, if I do n't send them the bill, this is all you need to get from the hospital. Then they look at the invoice dates the medical provider sent them and they will be able to find in their system the bills in question, what was paid and what was not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I made a purchase at XXXX on XXXX and returned the item on XXXX. The refund was returned to my bluebird card on XXXX. I logged on and it shows bluebird has decided to put an extra review hold on my refund an wo n't return it until XXXX. I called an was given XXXX different reasons why it was being held. I was told it was a random review, I was told it was held because it was returned at a different store than it was purchased, I was told it is a new process to allow the merchant 7 days to change there mind, then I was hung up on by the XXXX XXXX why I asked for corporate contact info then I was told by XXXX it was n't received an his XXXX says they received a memo but never received the money. I verified with the merchant bluebird was sent the money. I was also told refunds no longer go to bluebirds bank but direct to my account. All the agents are in a foreign country and very rude. They offer no resolution and never the same answer. I am at the point of contacting my attorney for a class action lawsuit because I had a similar issue that I never got a response in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: It was a late fee from a school. I paid the debt to the school directly in XXXX 2016. It is XXXX 2016, and they continue to attempt to collect a debt I do not owe. Furthermore their collection tactics were illegal. They would call me repeatedly throughout the day, 5-6 days a week on my business phone line even after they were informed that it was a business line.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for  accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2017 about Credit card () with CITIBANK, N.A. (CT).
Issue: Other fee

Complaint: Last Fall Macy 's charged me for an loyalty program I did not buy. 
I asked to have it removed several times. After many months, and escalation to supervisors at Macy 's credit they removed the charge and interest. 
I am now receiving bills again from Macy 's with interest charges with small but incorrect interest charges. 
Macys also failed to update my credit and remove the erroneous late payment information. I can not be late to pay something I did not buy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2016 about Credit card () with DISCOVER BANK (AZ).
Issue: APR or interest rate

Complaint: We became delinquent on a few of our accounts with Discover back in XXXX and then we made arrangements to have the amount deducted from our account since then and we have never missed a payment. We would call Discover each year and get an interest rate of XXXX for all the accounts. We trusted that they had done this and spent an hour going through this with them each time we called. Lo and behold we notice on our statement that the rates had gone up significantly. We called to ask for a different interest rate and they said there were no programs. Then we called again and again and they would say you need to call again next month. Finally after talking to several people they said they would send us a letter telling us why. We get this letter and it says RECENTLY we revoked your account ... We then called to see why and when did they revoke our account and they said back in XXXX??? Then during the conversation we realize that they had not reduced our rates all those times and we were paying them as if the rate was XXXX and it was not ( XXXX ) and we could have been paying them before other cards if we knew the rate was that high. This went on for several years and I found out that XXXX time they actually put the XXXX for XXXX account. We will never use Discover again. Of all our accounts that we owe from my husbands company going under during our XXXX XXXX we never had anyone treat us this way. NEVER, EVER USE DISCOVER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted all three credit reporting companies, because I received a letter from XXXX XXXX XXXX XXXX who claimed to have bought a debt relating to me from a third party ). I have continuously stated that this debt is not mine both to XXXX and to the credit reporting agencies. XXXX 's letter notified me that the statute of limitation HAS EXPIRED, and they will contact the credit agencies to remove this debt from my credit report. However, the debt still remains on my report although the statute of limitation has expired. This debt was never mine to begin with, and I even went to court, and it was disposed of by the judge over 3-4 years ago because XXXX attorneys could n't offer any proof. 

If you take a look at my supporting documents XXXX my letter to the credit agency and XXXX letter to me - attached ), it is officially from XXXX ; however, the credit agencies " claim '' that when they contacted XXXX, that they were told that this debt is mine -- obviously because XXXX wants money, and rather than the credit agencies doing their jobs, in terms of accuracy, they are failing to do so and being ignorant of my side of the story. 

This debt is not mine, and the credit agencies need to read the official letter sent to me by XXXX. This is harassment on the part of XXXX if they are indeed stating this debt is accurate, when their own letter states that the statute of limitation has expired and even went further to state that they will contact the credit agencies to remove. 

Please assist in getting this " inaccurate '' and " expired XXXX '' information from XXXX off my credit report. 

Many thanks, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Mainly Experian Credit reporting, continues to report incorrect and or false information. I 've contact them numerous of times to correct the Negative incorrect information. They refused. I 've been denied credit and thus suffered due to incorrect information. I 've had both an " Alert and Freeze '' placed on my credit report for about XXXX now. It has been helpful against Identity Theft, and because " I 'm also a survivor of a XXXX ''. All prior information should be corrected and the years following up to date should reflect the most recent credit accomplishments such as my, " Previous Students '' All Paid in Full as of XX/XX/XXXX, are currently at a XXXX balance and " OWE ANYONE '' ANY MONEY for anything!. MY Address and Previous address and Previous addresses prior to XX/XX/XXXX should be corrected as well as any previous Employment records. 
I will scan and attach documents to follow. I have Not been able to reach and speak to any agents from Experian since XX/XX/XXXX. All XXXX major credit reporting agencies have phone numbers that does not allow citizens to call and speak to anyone to help advise and inform them or receive some form of clarity, we the citizens are cut off from proper conversations. I 've written letters and still to no avail, no assistance. 
Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX Account Number XXXX collection department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old. the original deliquency date was somehow removed in XX/XX/XXXX which is now show XX/XX/XXXXwith XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: my house burnt down on XX/XX/2015. i finally received a check from my insurance company to pay off the mortgage on XXXX/XXXX/2015. i two day priority mailed a XXXX check to quicken loans on XXXX/XXXX/2015. the post office lost the check and it did not arrive until XX/XX/XXXX so now quicken loans wants me to pay an additional XXXX to avoid forclosure on the property because it did not arrive by XX/XX/XXXX eventhough i have tracking numbers and proof that it is not my fault and it was lost in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received a student loan in XX/XX/2010 with XXXX XXXX, which was sold to the current company Navient. I 've been in contact with them every month while in school, however I checked my credit and it appears that they have been reporting late to credit bureaus. I also asked them if I can be placed on an income driven repayment plan and they said that was not an option. My loan was taken out for school, I had to verify my enrollment before receiving the loan from XXXX XXXX. After I graduated, Navient told me I must begin paying although I was not employed. I pleaded to receive a income repayment plan but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am the victim of identity theft. On XX/XX/XXXX, I discovered a XXXX " collections '' entry on my XXXX credit report that was not mine. On XX/XX/XXXX, I called Pinnacle/ XXXX XXXX and spoke with " XXXX , '' who confirmed that the name of the person who stole my identity was attached to the collections account ( not my name ). " XXXX '' told me to submit a faxed dispute to XXXX XXXX XXXX. 

I submitted a faxed dispute to Pinnacle/ XXXX XXXX on XX/XX/XXXX. However, I received no response to my dispute from Pinnacle/XXXX. So on XX/XX/XXXX, I called Pinnacle/XXXX again ( speaking with " XXXX '' at ext. XXXX ) to confirm that Pinnacle had stopped reporting the erroneous collections entry to XXXX. XXXX confirmed that, XX/XX/XXXX, Pinnacle had stopped reporting the erroneous entry, and he mentioned that the collections account had been closed due to the fraud. 

On XX/XX/XXXX, I obtained a copy of my current XXXX credit report, and discovered that **the Pinnacle collections entry was still showing on my XXXX credit report, XXXX months after Pinnacle supposedly stopped reporting it and closed the subject account due to fraud. **Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt collector may not report a debt to a Consumer Reporting Agency ( CRA ) ( such as, in this case, XXXX ) if the debt has been disputed, and has not been verified within thirty days of the consumer 's initial notice of dispute. 

Pinnacle/ XXXX has failed to provide me any verification of the subject debt more than six months after I first notified Pinnacle of a dispute ; and indeed, earlier this month, Pinnacle assured me that the account had been closed due to the fraud. 

As such, Pinnacle is in standing violation of the FDCPA and the FCPA by continuing to report this inaccurate information to XXXX and the other CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Money transfer, virtual currency, or money service (Virtual currency) with SHAPESHIFT AG (AL).
Issue: Fraud or scam

Complaint: I have exchange Litecoin with ripple and I did send them over 2000 $ worth of Litecoin now they promise ripple exchange within minutes but now they did not provide ripple coin and took my Litecoin and not responding to my tickets that I have open on their website also they do not have customer service phone number. when I search this is how they fraud people please do something.

Company response to consumer: Closed with explanation