milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Debt collection (Mortgage debt) with Greentree & Associates (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I am seeking to file a complaint and to hopefully get some sort of resolution to a problem that I have been dealing with  for 7 seven ye ars. Back during the height of the financial crisis I ended up short selling my primary residence and  XXXX  investment properties. At that time the loan on my home was held by  XXXX   XXXX   XXXX  . When we closed, I was under the impression that the loan was to be cancelled since it was my primary residence, but this was not the case. Since that time, I had been making payments continually on this loan which was then transferred to  Greentree Servicing w hich took over when  XXXX  went out of business. I continually requested some type of settlement with  Greentree but the y were requesting a large amount of money to settle this debt that I did not have. Now  Greentree  has gone out of business and I am being garnished for the balance with  25  % of my paychec k ( {$1600.00} )  per month going towards the balance of loan for a home that I have not owned  in 7 years. T his outstanding balance on this loan has also prevented me from purchasing another property. I am just looking to find some assistance so that I can begin to move forward as well as rebuild. Everyone understands the climate and the devastating effects that the financial crisis had on our economy and everyday individuals, and while many people have been able to move on. Yet, somehow I am still here dealing with the same issues and have found the lender to be very uncooperative in helping to find a resolution. I would try appreciate any assistance that you could provide in helping me to bring this issue to some sort of resolution.

Company response to consumer: Untimely response
Consumer complaint received 06-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sold my XX/XX/XXXX XXXX on XXXX XXXX, XXXX as a short sale. Experian reports this as a settlement. I have a " LETTER OF DEBT FORGIVENESS '' from XXXX XXXX XXXX. Also I live/rent now in a XXXX center ( XXXX XXXX @ XXXX XXXX XXXX in XXXX, California XXXX ) & Experian has me living in XXXX. I have no past due bills & do n't owe anyone/anybody money and have had credit for over 50 years.My XXXX XXXX " FICO '' score is listed at XXXX. Something crooked is going on at this Experian Corporation headquartered in some Foreign country. They claim my payments are XXXX % which is a complete lie. Can you help me in fixing these white-collar criminal activities. Thank you for any consideration in this matter. XXXX XXXX XXXX PS : I am almost XXXX, XXXX & an a XXXX Veteran. I will be mailing in some documents to you.

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 01/23/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX account was illegally opened as XX/XX/XXXX account and should of been a prepaid account I never received a letter from the collection agency.

XX/XX/XXXX I was informed by a XXXX associate that I pay balance in full it will be removed from my credit.

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 01/17/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I was trying to temporarily thaw my credit for me and my wife on XXXX XXXX, XXXX. Due to a glitch on the Equifax website the transaction of {$20.00} was repeated for a total of {$80.00}. I wrote a certified letter to Equifax on XXXX XXXX, XXXX. According to the USPS tracking information they received the letter on XXXX XXXX. As of today, XXXX XXXX, XXXX, I have not received any reply from this agency. Attached are a copy of the letter sent to Equifax, a credit card statement with the charges, and a copy of the USPS tracking for the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax , Inc. mishandled my personal information ( for example, SSN, DOB , street address ) such that it was possibly disclosed to others without my consent. Equifax experienced a cyber-attack between XX/XX/XXXX placing myself and 143 million other Americans at risk of identify theft. This constitutes improper use of my credit report because the breach is directly attributable to the company 's website application vulnerabilities. In addition to their failure to protect information, Equifax failed to notify the public of the breach within a timely fashion, thereby increasing customers ' risk of identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 'm being told I owe {$500.00} or more to this FBCS agency for debt for XXXX Bank in XXXX, TN. I belive I have paid this off already and they are saying no I have n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a letter from Credit Control LLC on   XXXX   claiming they are collecting a debt in the amount of {$460.00} from an account in my name from   XXXX   XXXX  . I do not owe this, so I contacted Credit Control LLC immediately and asked for validation of this debt. Never heard from them. I contacted CFPB on  XX/XX/XXXX  and filed a complaint about this issue. Credit Control LLC responded to me through online portal for CFPB on  XX/XX/XXXX  stating that they would stop all contact and collections until they had sent me validation.  XXXX  days have past I never received validity of this claim. However, Credit Control LLC has reported on my credit file under the name Credit Control LLC and also under the name  XXXX   XXXX   XXXX  as if they have validity of this claim and as if I have received from them validity of this claim, of which I have not. And caused my credit file to take a   XXXX    digit decline.I have never done business with either of these companies and have no outstanding collection accounts until they hit me  XXXX  with their claim. They claim an account number ending in  XXXX  is an account they own and are collecting from me, but after  XXXX  days has not given me any validation to this claim.

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 04/28/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: APR or interest rate

Complaint: My Citi credit card is currently under penalty interest. After I made XXXX consecutive timely payments, I contacted Citi to inquire about why my interest rate has not been reduced. I was told that they review accounts every six months in XXXX and XXXX. Upon receiving my most recent statement, penalty interest is still applied to my account despite making XXXX consecutive on time payments. I contacted Citi again today and the Account Rep attempted to reduce my interest rate but the system would n't allow it saying that my account was ineligible. Despite repeated requests to provide information as to a reason why my account was ineligible for an interest rate reduction, the Account Rep was unable to provide any detail. He would state repeatedly that if the system would allow him he would have already and that his recommendation was to make two more timely payments and they could try to reduce the rate again after that. I asked if that meant that XXXX consecutive payments were required for reducing my interest rate or if that meant the system is showing my account as only having XXXX on time payments. The Account Rep denied XXXX only assuring me that he tried to reduce my interest to no avail. I ended the call to file this complaint. My understanding of the CARD Act was that penalty interest is to be removed after XXXX timely payments. To the best of my knowledge, I feel I have completed what is required of me to be cured from this interest rate and will not accept deliberate mistreatment. So, I am filing this complaint in order to expedite a solution and/or provide myself a better understanding of what the law stipulates regarding this issue. Attached is a payment history taken from my Citi account online for the on time payments from XX/XX/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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Per the FTC the credit bureau 's have to provide me with physical proof of the information they verified for any account, the information has to be provable beyond doubt with valid signatures. Attached is a recent letter I sent them asking for a re-investigation. Each time I have asked the credit bureau to investigate this time, they send back a letter saying to contact the collection agency. The law states the the credit bureau has to prove this information not the collection agency. Thanks.

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 03/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I recently paid off one part of my Navient Student loan. While the site does show that my loan is pain off it recalculated the payment for the remaining portion of the loan ( approximately {$2900.00} ) for 33 months at {$130.00} for a total amount of interest of {$1400.00}. while this makes great business sense for them I fele that there interest rate during recalculation of 30.85 % seems inordinately high for the loan having an interest rate of 6.05 % of the loan. I did contact them through the web site but did not yet hear back other than an automated response. I would just like to file to facilitate a resolution. As it stands the loan payment amount should be approximately {$96.00} mostly over the last 33 months at 6.05 %

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Debt is not even mine, This account was opened and ruined by my exboyfriend without my knowledge. This needs to be immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received a letter from  XXXX  Mortgage on  XXXX   XXXX ,  2017 , stating that my mortgage loan was being transferred to NationStar Mortgage effective  XXXX   XXXX ,  2017 . I then call ed NationStar to  ask questions on how to set up an account to pay my mortgage to them. The woman that I spoke to gave me a new account number for my mortgage account (  XXXX  ), I then proceeded to set up a payment account online.  <P/> On  XXXX   XXXX ,  2017 , I received a letter from NationStar Mortgage, stating that I owed {$1400.00}, which was due  XXXX   XXXX ,  2017  ; which was very upsetting to me. I then  called NationStar immediately questioning this amount and asked them to explain to me where they was getting this figure. ( I have the 15 minute call documented on my phone ). I was told that the  {$1400.00}, was for administrative fees ; I then asked her to explain and she could n't ; so I requested a copy of these fees to be sent to me ( that request was on  XXXX   XXXX ,  2017  ) I HAVE NOT RECEIVED THEM UP TODAY!!! The lady then told me not to worry the administrative fees would be deducted from my mortgage payments until paid in full.  <P/> I do not owe any administrative fees and I do n't know what they are or why I 'm being charged, I STILL HAVE N'T RECEIVED THE COPY OF THESE FEES THAT I REQUESTED ON  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Debt collection (Medical) with Nevada Credico, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I Have no idea why this company is placing a collection account on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted for a loan modification and every day we asked if there was a sale date. Just last week we were told that there was a foreclosure sale date on on XX/XX/XXXX 2017. We have to work with an assigned loss mitigation representative at Shellpoint mortgage and her name is XXXX XXXX which is never in the office. We have been submitting the same document ( Annual HOA bill ) for weeks and now she says it does n't state if it annual but clearly at the bottom of the page it does. Everyone we talked to said it met the requirement and were very helpful with what they thought we should do so we did all of it. All the paper work has been sitting in the office and XXXX XXXX is fully aware of the sale date and we are going to lose our home because she is n't in the office. There is a complete loss mitigation package everything and more in the office and she is n't in to review the package. We have offered to do a repayment plan or even a forbearance plan but were told it would take too long to get the figures from the attorney, however we have been saying we would go that route for two weeks. We are willing to do what ever it takes to save our home. We have not received any documents from Shellpoint mortgage in regards to missing documents what 's require we were even told to XXXX the HMDA paperwork to find it online. No ten day letters, no incomplete package letters, absolutely nothing. We just want a chance to save our home we are employed and can afford our mortgage we just got behind because of circumstances we could not control. We have resolved everything and are more than willing to do what ever we need to do. Please we need help to save our home or someone to listen and do what it is that needs to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a graduate of XXXX in XXXX, NY. I have XXXX private loans services by Navient. They loans have now entered repayment and the total due monthly is about {$730.00}. In tandem with my federal loan debt obligations, these payments combined with my housing costs consist of 85 % of my monthly income. It is unsustainable for me to possibly keep up such high payments. Upon calling Navient, I was informed that only XXXX of my loans was eligible for a temporary reduction ( 12mos ) after which my payments would become even higher than they were originally. I was told that my other loan could not be reduced because it was disbursed before XXXX XXXX. I requested more information about this " XXXX XXXX '' deadline and only received repeated answers, " it was disbursed before XXXX XXXX '' and no other explanation. I attempted to explain the financial hardship these payment costs placed on me but was met with indifference every step of the way.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Medical) with DRS Financial LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection Agency Abuse of Powers. 
Capital Collections has reported XXXX collection of medical co-payment and both the payments were made in full on XX/XX/XXXX, immediately when I was notified. ( Account # XXXX and XXXX ) Recently, ( XX/XX/XXXX ) I had contacted Capital Collections requesting to delete the collections from the report since, this something that happened due to my unawareness and payment was made immediately when we were notified. I am in the process of buying a home and I spoke to Manager, XXXX XXXX at Capital Collection, he was intimidating and refuses to delete an account that is paid in full 5 years back. This was minor amount my medical co-payments. XXXX XXXX was rude, intimidating and threatening in his tone and cuts telephone during conversations. I have attempted to speak with him several occasions. This is absolutely abusive of power. We have many agencies that are deleting minor accounts that has less amounts and are paid in full. XXXX XXXX representing Capital Collections did not exhibit any behaviors in line with federal Fair Debt Collection Practices Act. I need help and hence reporting. 
Sincerely, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was working from home as a XXXX XXXX XXXX XXXX. I was paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a check from one company and it cleared with no problems at my bank, bank of america. Then the next month I received another check for my services and I again went to my bank to deposit the check and it was confiscated for fraud. I did not know the check was fraud and my bank advised me to close my account so I did. No questions asked. I no longer accepted jobs from the company but yet I went to open up an account and I was notified that my name was under fraud suspicion. I would like this issue resolved, this is false information. I pay taxes and bide by all rules. I need direction as to what I need to do to resolve this asap. 


Thank you XXXX XXXX XXXX XXXX Consumer # 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 01/25/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Payoff process

Complaint: Best Buy Credit Services offers several limited time 0 % interest offers. We have used several of these offers but it seems that, because we tend to carry a non 0 % interest offer as well, no matter how much we apply over our minimum monthly payment, none of the funds pay down the 0 % interest balance so that we eliminate that balance before the expiration date. We then end up paying interest on the accrued interest as it is added to our principal balance. There is nothing on the statement that discloses how to pay down those balances. 
This month we made a significant payment to the card to payoff an existing 0 % interest balance before the expiration but none of the funds were actually applied to that 0 % interest balance. We contacted Best Buy Credit Services to inquire and were told that " No, the information is not on the statement '' and that we would have to contact them to let them know how we wanted to apply any funds over the minimum payment. I feel like this is an unfair practice and, had we been informed of how to pay down that 0 % interest balance, or that there were options for payment plans, we would have saved ourselves money in the excessive interest that we are now paying on those accrued interest balances that applied to the 0 % interest promotions. Best Buy Credit Services needs to revise their disclosures in order to advise customers of their payment options for 0 % interest balances so that those balance are less likely to result in negatively amortizing balances and excessive interest charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Midland Credit Management , Inc is claiming this account. The information sent to me to validate, shows the account has been charged off, so they are trying to collect a debt that was already paid by insurance protection. They say the original debt is XXXX XXXX XXXX XXXX The XXXX XXXX. This debt has been paid already and the fact they are trying to collect money on a debt that has already been charged off is not legal. I do not owe Midland Credit Management , Inc any amount. This needs to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: Last day I used card was Saturday XX/XX/XXXX2017 yet I got hit today with ten transactions that all went through today. This happens on holidays I was hit last time with this scam.

Company response to consumer: Closed with explanation