milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MacDowell & Associates, Ltd. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: MACDOWELL & ASSOC FILED GARNISHMENT FOR DEFT OUTDATED SINCE 2008 AND NOT COLLECTIBLE PER GEORGIA STATE STATUE OF LIMITATION OCGA 9-3-25 AND VIOLATED FCBA WITH XXXX DIFFERENT COMPNIES DEMAND PAYMENT ON SAME ACCOUNT ; AS WITH " XXXX AND XXXX XXXX XXXX '', COMPANY FAILURE TO SEND ITEMIZE VALIDATION OF DEBT OUTLINED AND OR SIGNED APPLICATION OF ALLEGED DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, my mortgage payment consist of XXXX elements principal and interest taxes and insurance. 
My lender charges me nearly {$3000.00} per year and pays out to my insurance co. {$850.00} per year for the same coverage. They have no explanation for the overcharges. 15 month ago And after dozens of phone calls and emails with answers to a solution, I notified my lender and insurance co. Of the problems I am having with my lender and instructed them to return to the lender the {$850.00} on my behalf and accept the {$850.00} directly from me which saved me over 2 thousand dollars every year. I also notified my lender in righting that because of the overcharges I would like to pay my own escrow saving me thousands per year. So for the last year I have been paying my own taxes and insurance and sending my lending Green Tree principal and interest. Of course this upset my lender and they are now refusing my P+I payment and sent me a letter of there intent to foreclosure on me. I am a single parent and ca n't afford to be overcharge, my lender required me to make these overcharged payment for 3month while they investigate which I did only for them to tell me that they do n't understand why the overcharge still appear after the escrow analyst. I need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (I do not know) with Midwest Recovery Systems (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi, I was checking my XXXX credit report tonight and noticed a collection account as shown as follows : MIDWEST RECOVERY SYSTEMS Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$1200.00} past due as of XXXX 2015. 

Date Opened : XXXX Date of Status : XXXX Reported Since : XXXX Last Reported Date : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit : {$760.00} High Balance : N/A Recent Balance : {$1200.00} Recent Payment : {$0.00} I would like to claim wisleblower status as I believe that this collection agency and/or collection company is possiblity making up fake collections in order to defraud me and possibly other individuals unknown to me at this time. I state that I do not owe XXXX, nor have i ever taken out a payday loan with XXXX due to no need for XXXX at this time. The weird thing is the credit limit is XXXX dollars which is above a payday loan and the last time i cashed a check at XXXX was months ago for like around XXXX dollars, I have a great record with that company XXXX in XXXX, FL. In closing, it seems to be some sort of debt collection companies creating false accounts or something to like bill myself and possibly other U.S. Citizen/Nationals. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Mortgage (Conventional home mortgage) with INVESTORS BANK (PA).
Issue: Struggling to pay mortgage

Complaint: I missed my payment a few times, not in a row, in the following months after, I paid extra to catch up each month. Instead of applying the extra money to my lateness, they applied it to the principle. The paperwork I received never showed my mortgage as delinquent until a year later. When I tried to straiten it out on the phone, they were rude, and said they could n't go back and change it now. Now I 'm paying hundreds of Dollars in late fees, and I ca n't get caught up.

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 12/23/2016 about Mortgage (Other mortgage) with Fay Servicing, LLC (PA).
Issue: Settlement process and costs

Complaint: I am entitled by law to get a copy of the appraisal made for my refinance in XXXX. I never got it. Failure to provide it would constitute appraisal fraud and I understand that I can report the bank or servicing company if they refuse to comply. Recently, I have been in touch with the new servicing company. I had requested it via email on XXXX to no avail. I called back in XXXX and spoke to the manager. During our phone conversation, I insisted I would have to report them ( Fay Servicing ) to your offices if she would not provide me with the appraisal used for that refinance. This was during my last follow-up attempt when I reached XXXX XXXX who transferred me to another rep who was then handling my file, who then in-turn tapped me into the manager. She was not a nice person and focused more on how I mispronounced XXXX XXXX 's name than my relevant concerns. She was using an intimidation tactic to scare me off. Although that email had been acknowledged She insisted I must re-write them a full letter - again. The company contact info is : XXXX XXXX, Fay Servicing , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX toll free XXXX direct XXXX fax www.fayservicing.com

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I am writing about fraud perpetrated against me by American Express and XXXX. This past Spring I booked a cancelable hotel room in XXXX, I was going to visit my granddaughter who was studying abroad. I had XXXX XXXX and submitted proof a month in advance of the trip, that my doctor would not allow me to travel. No hotel room was used, yet Amex conspired with XXXX to then ( later ) charge me {$1100.00} for services I did not receive, use of the hotel. I submitted proof to Amex that the trip was cancelable, but even when escalated Amex indicated that XXXX was a larger customer than I am ( I am XXXX XXXX XXXX and a 50 year member ) and so they felt obligated to commit fraud with XXXX and charge me. Although my reservation was cancelable at no charge, XXXX somehow claimed they had decided to book a non-cancellable hotel and they would be charged so they needed to commit fraud with Amex 's assistance and charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Consumer Loan (Vehicle loan) with COOLEY ENTERPRISES INC (TX).
Issue: Taking out the loan or lease

Complaint: I purchase a car from Clay Cooley on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my car broke down. The company made me pay XXXX dollar for a loaner car in addition to my car note. They kept my car until for over a month without fixing it. Once it was finally fixed I ended up taking the car back 2 additional times for the same problem. On XXXX XXXX they traded me to another car. After having the new car only 3 weeks I had problems with it. I took it in they supposed to have fixed it and a week later it is now back in the shop. I have made all my payments on time and have continued to receive bad service. I still am not driving my car and I have requested upper management to get involved and arbitration but no one will help. The company will not remove the other car loan from my credit and I was told that I would get the new car for the same price as the old but they increased the price and made me pay for another warranty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MN).
Issue: Application, originator, mortgage broker

Complaint: Hello, Around XX/XX/XXXX my wife and I ran into difficult financial times with XXXX and were force to file bankruptcy. We tried to keep our house by continuing to make payments until XX/XX/XXXX. XX/XX/XXXX, we stopped making payments on our house and moved out. Because the house we lived in was under construction we were unable to do a deed in lieu and have to wait for the foreclosure of the house. Since then I have rebuilt my credit and have been trying to purchase a another house. However, the previous house has not been foreclosed on ( and we need to wait 2 years after the foreclosure to qualify for an FHA loan ) we are unable to purchase a house. I called the mortgage servicer and they told me that they ca n't rush the foreclosure any faster it 's ( almost 3 years ), but this is causing us undue hardship by not being able to qualify for another house. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: When our mortgage was sold from XXXX to DiTech, they misplaced one of our payments during the transfer. They insisted they did n't have this missing check so we resolved the issue quickly by stopping payment on the lost check and issuing a new one. 

Then they found the missing check and tried to process it, but it was already stopped, so it was returned. This went into their system as a returned check. 

Since then, DiTech has been telling us we are short a payment because of a returned check, but we are not. We are fully paid up with the correct number of payments, which they see and admit every time I talk to them on the phone. They know that they have a system error that is misreporting this as an issue, and I 've been trying to resolve this with them since XX/XX/XXXX over the course of a dozen phone calls that last XXXX minutes each. 

But they can not fix this problem. I 've been assured a number of times that they are correcting it, and then we get a late fee the next month again. I call them, they see the problem, they remove the late fee ... and then the next month I get another late fee because the underlying problem is not resolved. 

I did not choose DiTech to service my account, and I do not seem to have any recourse to get away from them without refinancing my mortgage. They are constantly over-billing me for late fees that I do not owe, and I waste time talking to them every month in a desperate attempt for them to fix their problem. I 'm afraid that they are going to affect my credit rating by reporting me for late payments that I do n't owe.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Medical) with Phoenix Financial Services LLC (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A few months ago I recieved a collection call from someone who said they were with Phoenix Financial Services. I asked who is the creditor and what are they saying I owe. They told me I had a hospital visit back in XX/XX/2015 to a hospital in XXXX, TN. She still did not give me any specifics behind that. I told the representative, that I had not visited a hospital in XXXX, in XX/XX/2015. I had a visit earlier in the year but my bill was only {$60.00}. I asked the representative what was the dispute process and she told me I would have to talk to the original creditor. When I asked again who the creditor was, she told me she could not divulge that information. So immediately I thought this was a scam because I had not received anything in the mail from this company. The next thing I know, I get an alert saying a collection was added to my credit report. So i logged into my monitoring service and there was the Phoenix company again with a collection for {$760.00}. Still no communications in the mail had been received, i had not received any more phone calls from the company or nothing. Now I have a blemish on my credit with no information and no communication or opportunity to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a phone call from NCC about a dept owed to   XXXX   XXXX  . They stated I owe {$490.00} and they have been sending notifications and calls. They stated they have me at   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX  MD  XXXX . I told them that is not my correct address and I moved from there in  XXXX  2016, I live at a different address. It I still live on the property. They dismissed it and stated it 's about to be reported to the credit bureaus if I do n't make a payment now. I asked them why was n't I notified in a timely manner, and I just got laid off. I do n't have anything as of right now and if they can at least give me two weeks until my appeal comes back from unemployment. They stated they could not only if I can post date a check. I told them I 'm not trying to pay them unintentionally, but I do n't have a job and I need to wait for unemployment. He could not provide me with a date it will be reported nor did he ask for my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is a XXXX account on my credit report that should not be there. I talked with XXXX and they said they dont report to the credit bureau and not sure why it is on there. I have tried for years to get this negative item off my report but no luck

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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Grant & Weber (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My medical bills that went to collections with XXXX XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX dropped off in XX/XX/XXXX and now XXXX is reporting them again.

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 01-12-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: In XXXX my escrow account was debited twice for property taxes although the charges were not all invoiced as property taxes. 

Throughout the year my escrow account was debited in the amounts of : {$22000.00} and {$3100.00} in XXXX XXXX, {$6300.00} in XXXX XXXX, and {$6300.00} in XXXX XXXX. 
The total of these debits were {$38000.00} which was an exact match of what the " PROJECTED '' property tax disbursement was. All those amounts were actual debits paid from my escrow account and were titled " ESCROW PAYMENT ADJUSTMENTS ''. 

Later in XXXX of XXXX when the actual property tax bill was issued, it was debited and paid in the amount of {$37000.00}. 

In effect the total debits from the escrow accounts were the actual taxes paid in addition to the ESCROW PAYMENT ADJUSTMENTS totaling {$75000.00}. As the monthly escrow payment only estimates for the annual tax of approximately {$38000.00} or $ XXXX/month, this has left a negative escrow shortage causing the servicer to raise my escrow payment for the coming year by {$3000.00} in addition to the {$3200.00} I currently pay into escrow each month. 

I checked county records and my property taxes are paid up to date for prior years, therefore there is no explanation left other than this is a clerical error. I have made several attempts at resolving this with Mr. Cooper employees and their supervisors but none of them have answers as to what those charges are, but they will not refer the matter to someone who will help resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Bank account or service (Checking account) with UMPQUA HOLDINGS CORPORATION (ID).
Issue: Problems caused by my funds being low

Complaint: When I first stated my account with Sterling savings I was asked if I wanted to have my debit purchases continue even when my account was over drawn. I stated I did not want to be able to continue using my card if there was no money in my account raking up huge overdraft fees. Sterling savings became Umpqua bank. I have a business account and I raked up huge overdraft fees because I was not aware my account was empty. I contacted Umpqua and stated that I had agreed to have my debit card rejected if I had no money in my account. Umpqua stated it did not have that policy but I was never contacted that it was discontinued. I also never received advise from my bank stating actions I could take to better monitor my account until after Umpqua had taken XXXX dollars from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Billing disputes

Complaint: XX/XX/XXXX 2 transfer adjustments of XXXX were made to my account, increasing the amount owed on the card XXXX. There was no reason for these adjustments, I believe they stem from a fraudulent charge made to my account in XXXX of this year. The fraudulent charge had been transferred from the credit card it was made on to this account. I called the credit card company and they corrected it. Not long after, they made another transfer adjustment to my account. Again, I called and it was corrected. 
On XX/XX/XXXX they did the same transfer adjustment, twice. I have called 5 times over the last 6 weeks and have been assured that it would be corrected. It has not. I am contacting you because it now seems clear that USAA is unwilling to correct their error,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2017 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have called various times to this agency to verify my debt but they do not gove me full detail of my balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Please know I greatly appreciate your assistance with this matter. 
This complaint is a follow up to my previous case you had been assisting me with, case # XXXX. After more then 3 years trying to obtain a resolution, I deem your assistance was key in getting the bank to move forward with our modification. In XX/XX/XXXX, they finally approved the trial loan modification.Therefore, I did not pursue it further or dispute the complaint, as I assumed it was resolved. I completed all the documents they requested and agreed to assume the loan. 
I started making my XXXX of XXXX trial payments in XX/XX/XXXX. They were supposed to complete my final modification in XX/XX/XXXX. In XXXX, they told me that the final loan modification documents had been issued incorrectly and had to be redone, on account it is also an assumption, which they knew from the onset! I have now made XXXX payments and still have not been provided the final documents. The last times I have called, I 've had to speak with customer service reps. that have no idea what 's going on. They just try to read the notes stated on the computer and even their interpretation has been evasive. They stated they would have the processor update the file and contact me, but that 's never happened. 
After persisting 2 days ago to determine whom should be the contact person handling my file, their processor XXXX XXXX, had customer service inform me XXXX XXXX and XXXX XXXX were handling the assumption. Nevertheless, they would not transfer my call to them. Instead they said they were emailing both, to advise them to contact me and update the file. This has not been done either. 
I am getting very concerned at this point. I have complied with all their requests and completed XXXX trial payments on a timely basis. I have already scheduled the XXXX payment for Monday, XXXX XXXX. There should be no reason for them to not finalize this modification. I 've had to spend over {$20000.00} in repairs to the home, due to storm damage their force placed insurance would not cover. I do not want to lose my home. 
I would greatly appreciate your assistance in getting this completed. 
You have all the information for the bank, Seterus. The details of what has transpired and all supporting documents are in your system under the XXXX # listed above. I did not find a way to respond to status there. For this reason, I 'm initiating a new complaint. If you need me to send everything again, please let me know? 
Thank you very much for your time and assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian will not allow me to dispute information in my credit file that is incorrect because they say they are unable to verify my identity but yet I was able to retrieve my credit report from them. I had previously filed a dispute with them and upon completing the investigation there were still errors on my credit file. However now they are saying they can not verify my identiy and I need to submit my request by mail. I disagree with that because I just got a copy of my Experian credit report and I should be able to submit my disputes on line as well. I have included proof of my current credit report and experians rejections of my disputes.

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