milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on Hurricane Irma, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. Trans Union is showing last payment of XXXX, XXXX and XXXX is showing XXXX, XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with TransUnion via XXXX XXXX, which TU never replied to.

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 08/25/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I am still really confused as to the fees and past due balance being assessed on my account. I received a statement in the mail yesterday. It says I owe {$7400.00}. When I go to the Greentree website it says I owe {$6400.00}. Why are these numbers different? What happened to the left over money from Save the Dream? What is the real past due balance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, This has been an ongoing issue with CITI Bank since XXXX XXXX. The previously filed complaint number is : XXXX I consulted an attorney -- XXXX XXXX, XXXX XXXX - XXXX ) to work on reaching a settlement with CITI back in XXXX and after at least XXXX reassignments of Agents and 18 months CITI assigned an agent to review the case. 
XXXX XXXX Homeowner Support Specialist XXXX, Extension XXXX ( use leading XXXX ). 
CitiMortgage , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX After numerous communications and providing all needed documents on XXXX XXXX, XXXX we were informed that the case has been referred to a negotiator - Attachment # XXXX. 
Later I was informed that the case had been assigned to a Law Firm on XXXX XXXX, XXXX. 
This is is an small example of frustration that I have experienced with CITI and their mortgage operation.

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 09-08-2017 about Debt collection (Payday loan debt) with BTH Management (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been contacted by XXXX XXXX regarding an alleged debt that they are saying I owe. I have no idea about this debt and I am very frustrated that they have put this on my credit report. They have sent me a contract with typed name on it which is not a signature. Anyone could have typed this template contract up. They have still not responded to my letter that has been sent to them asking for a mac address id where this alleged electronic signature was generated from. XXXX XXXX have been very rude when I have been asking about this alleged debt. The contract says XXXX but my credit report says XXXX XXXX XXXX which is two different companies,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Medical) with NRA Group, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not idea what this debt is. I tried to contact National Recovery and they said they sent info once ( which I never received ) and will not sent anything again to verify the debt. How am I just going to pay money to them if I do not know that this really is a valid debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has failed to respond to our requests and clarification of the following : 1. They are not crediting or applying the correct payment amount we made towards the principal since XXXX 2016. 
2. They created an escrow account to pay the property taxes and the home insurance without our knowledge and/or consent. 
3. They made payments for the property tax for a bill we had already paid on time, they also paid the home insurance that was not due until the end of XXXX, 2016 4. The Tax Collector office rejected the duplicate payment from Nationstar and sent the money back to them ; however, Nationstar still has an escrow balance on our account even though the Tax Collector returned the money to them We have several requests in writing as well as by phone to correct the principal balance, which is off by about {$5400.00} to no avail. We get transferred from one person to another and they promise to send an explanation letter but they never do. 
We requested to close the escrow account since we are taking care of the property tax and home insurance ; they still have the account and the balance due for something we do not owe. PLEASE HELP. 
Nationstar has refused to modified our loan twice, the current rate on our loan is 5 % which is about 1.5 % above the current rate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have a student loan consolidation in progress with XXXX. In the meantime General Revenue Corporation who handled my XXXX loan for XXXX, has begun to contact friends and family other than the XXXX references i put on the loan when i borrowed it, and they also call me several times a day. When the carrier adds this loan to my consolidation, it will close out, and I still have XXXX months to do so. I have informed both GRC and XXXX of this. XXXX is not giving me trouble. GRC is. I do not know how they are getting contact information for my friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit score drop due to the fact that XXXX put me on collections for a account thats not mines. And on my credit report they have the wrong name and birthdate.

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 03-01-2018 about Debt collection (Medical debt) with Revenue Assistance Corporation dba Revenue Group (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The first call came about 1-2 weeks ago from Revenue Group claiming I owed a medical debt for the XXXX XXXX. I told him it was an error, and I told XXXX . XXXX then to Stop Calling Me, and even prefaced Stop Calling Me with the statement of Now That I'm Saying This You Must Abide ... STOP CALLING ME. 
He called again today, XX/XX/2018 at XXXX. I recognized his name, XXXX. I reminded him that I already told him to stop calling. He says " well i don't see anything in my notes ''. I told him It's not my fault if he neglected to note that, and now he's in violation of federal law. He tried to argue with me, but before he could I told him to XXXX XXXX and hung up. 
Those calls are on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: asked to remove inquiries off my 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 explanation
Consumer complaint received 10/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Bayview Loan Servicing has n't contacted me or sent me any package after we made three trial modification payments. 
On XXXX XXXX, 2016, we received a Balloon Amortization Trial Document from Bayview Loan Servicing. ( See Exhibit A ) On XXXX XXXX, 2016, The Balloon Amortization Trial Document with balloon addendum sent directed us to make three trial payments starting XXXX XXXX, 2016. 
On XXXX XXXX, 2016, we paid XXXX XXXX, 2016 payment ( See Exhibit B ) On XXXX XXXX, 2016, we paid XXXX XXXX, 2016, Payment ( See Exhibit C ) On XXXX XXXX, 2016, we paid XXXX XXXX, 2016, Payment ( See Exhibit D ) On XXXX XXXX, 2016, Asset Manager, XXXX XXXX stated if we had n't received any permanent modification documents by XXXX 2016 to contact Bayveiw Loan Servicing. 
We will continue to make our trial modification payments starting with our fourth payment until we receive a modification package from Bayview Loan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We applied for a loan modification XX/XX/XXXX. It was approved XX/XX/XXXX. Since since then we have made all of our payments on time. It has been just short of XXXX years and Bank of America has not been reporting to the credit bureau. The house value is such that we would be able to market the home and downsize. We would hope to purchase again. 
Because BAC has not been reporting they have negatively impacted our score. When contacted they sent a computer print out of our payment record. That is not good enough!

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 11-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Late fee

Complaint: I used my " in case of emergency '' credit card to get a hamburger for XXXX in XX/XX/2016. I never got a bill on the mail since then. I received a letter from from them saying acct closed till paid in full. Sum XXXX. I asked forgiveness for the oversize and was told that I would be reported to the credit bureau for bad credit. I did pay for the hamburger. Not the trumped fees. Can you help me?

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed the information from my report because it dose n't belong to me over 3 times and still haven't gotten a response from the company. I want this account removed ASAP.

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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 have sent endless letters, faxes, and made calls to submit documents to support removal of items, as well as fraud blocks on accounts and they will not comply.

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 01/18/2016 about Debt collection (Medical) with First Collections Inc (DE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt in question was deleted from my bureau reports several years ago after a failure to validate on the part of a different collector. 
This collector ( First Collect of XXXX, Delaware ) is clearly a junk debt buyer. They purchased the old file and made attempts to collect via a dunning letter. In my response I requested validation. I received the validation and immediately recognized the old deleted debt. I replied with another letter indicating that the debt had previously been deleted. Further, the statute of limitations for reporting passed no later than XXXX XXXX. 
First Collect proceeded to make an entry to my bureau reports despite having been advised of the SoL and the previous deletion. The also falsely reported to XXXX that the " account '' had been opened on XXXX XXXX, clearly the date that they bought the junk debt but misrepresenting that it was a new debt and/or a new delinquency. 
They have revived a dead account, ignored the statute of limitations even when their own " validation '' document supports my position, and they have violated the law by falsifying the date and character of the debt in my credit reports.

Company response to consumer: Untimely response
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I first noticed this account for collection ( Midland Credit Management ) when I checked my XXXX XXXX account. I never applied for credit for whom they are trying to collect for. In which I had a fraud alert on my credit report when I became aware of this claim. I sent this company a letter approximately XX/XX/16, stating that I did not owe this debt and that I would like to see debt validation to support their claim. They only did not comply with my letter, they sent another letter to me on XX/X/16 saying they were uncertain of what I was disputing and did not provide any information of how their investigation was conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Torres Credit Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My account was sent by Gas Company to the collection agency. This bill is paid but the collection agency has not removed my name from collection. Please advice.

Company response to consumer: Closed
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My father was a victim of identity theft. Given his elderly state and increasing XXXX, I have been given Power of Attorney in order to help him resolve the issues he 's had. I placed a fraud alert on his credit and the police acted, resolving the situation. I now need the fraud alert lifted so that he can use his credit to be approved for housing. <P/>Experian has continually refused to give me any information about his accounts or allowed me to address the issues despite my repeated fulfillment of their requests to send them the legal Power of Attorney forms. They have given me several different avenues which have been contradictory and refuse to respond to any of my inquiries over their website or phone. <P/>I get a different explanation of what is required every time I contact them, and their online forms refuse to allow me to upload the documentation they require. They seem to be deliberately obstructing my ability to resolve the dispute in a reasonable timeframe. <P/>This has been going on for nearly 30 days, and I have yet to see any action on the part of Experian to resolve the situation.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: OCWEN Loan Servicing LLC serviced my loan from XX/XX/XXXX until I sold the property to an individual ( not a bank ) in XX/XX/XXXX. Last week I applied for a new mortgage loan with both XXXX XXXX XXXX bank and XXXX XXXX XXXX and was declined by both due to a foreclosure reported on my first and second mortgages by OCWEN on XX/XX/XXXX. When the banks ran the application everything on my credit looked fine and I was pre-approved, but when the banks submitted the application into XXXX XXXX, that is where the incorrect foreclosure information was found. I made my mortgage payments when I was able and sometimes they were late, but my loans were NEVER foreclosed upon. I did receive some threatening letters from OCWEN at times when I made late payments, but I was never notified of a foreclosure process or served with any type of legal papers regarding a foreclosure. This information is completely false and I have requested that OCWEN have this false report removed immediately. I am still awaiting an answer from them if this will be done. Unfortunately since the false foreclosure is not showing on my credit report and only in the XXXX XXXX software, I am unable to dispute it with the credit bureaus. I have also accessed my entire payment history with OCWEN and compared to the information they reported to the credit bureaus and there are numerous payments that have been inaccurately reported. For your reference, I have attached a copy of my payment history with OCWEN, a copy of my credit reports with payments reported by OCWEN, as well as a spreadsheet with what I believe should be the correctly reflected for each month that I had a late payment. Please let me know if you will need any additional information to research. Thank you very much!

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 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with URS Holding, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They have unfairly contacted me for the purposes of debt collection. Their attempts can be deemed illegitimate due to the fact they sent me no formal notification of collection 30-days before the calls started which goes against the Fair Debt Collection Practices Act. They are trying to collect a debt that is also in the process of being paid to the party to which it is owed. They continue to use coercive and extortionary language during their calls to me, telling me and my family that we could face some serious penalties if no money is given to them. In reaching out to the original creditor, they indicated to continue to send the payments to them as the individuals at Enterprise Recovery Systems in XXXX XXXX are paid on commission.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Bank account or service (Checking account) with U.S. BANCORP (ID).
Issue: Account opening, closing, or management

Complaint: I have banked with US Bank for over 20 years. This is not my primary account so I do not monitor it regularly. I keep it open only for longevity and have prided myself on perfect credit until now. I set up a premier line attached to the account in the case of an oversight in the beginning and I have a U.S. Bank XXXX which I have used and never had a problem. On XXXX XXXX the bank must have done an electronic purge for idle accounts that has no human intervention. My previously free account had now been charged a return check fee even though I have n't written a check in over 5 years. This activated the premier line that advanced {$15.00}. When I received the notification I went to the bank that very day and signed a form showing that I needed the account deactivated and giving the bank permission to correct the error. I deposited more funds to the account just to be safe and they said I had nothing to worry about. No sooner had I left the bank they called me asking me to come back because they needed a copy of my drivers license and I obliged, signed yet another form and I left the bank relieved. A month later I received another statement that showed I still owed {$15.00}. I hurried back to the bank, told them what had happened and this time directly paid the {$15.00} myself. I then called the credit card company who was of NO help at all. They said I would have to dispute the matter with XXXX, which I did. During the dispute process I discovered not only had they refused to recognize this was an error, they hit my account with a {$50.00} maintenance fee and late fee on top of that. I did not receive a credit card statement to let me know. To add insult to injury the credit report I got back noted I had " poor performance '' and they lowered the credit line on the account. This is a very, very old account that has had literally no activity on it to constitute " poor performance. '' I am so disheartened to see that my bank has no power to fix this terrible problem by reaching out and just saying, " hey, our system goofed and we do not want to lose this good customer who has loved us until now, please fix this for her with our apologies. '' It 's not about the money for me at all it is about integrity and principle and being fair. I 've paid everything they have asked for and it scares me that this could easily happen again. I would close all my accounts but I 'm just not that type of person. I diligently try to work things out with the best of intentions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation