milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (IL).
Issue: Credit decision / Underwriting

Complaint: I am a XXXX. Bought a home in XXXX, and have NEVER been late with a mortage payment in 20 years. I called Ditech ( the current bank who holds my loan, since it has been sold to XXXX different banks in the last few years ) to request the {$5000.00} " XXXX '' incentive and to discuss refinancing my loan on XXXX/XXXX/XXXX. Since then, I have called on several occasions ( too many to list here ) to see where I was in the process. Ditech has given me the run around, sent more paperwork for me to fill out, placed me on hold incessently, transfers me to other agents, and I NEVER receive an answer. During XXXX conversation with a male agent, on XXXX/XXXX/XXXX, the agent told me they were holding the {$5000.00} incentive, and instead would give me that performance incentive as well as another {$5000.00} XXXX XXXX incentive next year in XXXX. I knew that was not part of the incentive program, and not true, and they were just putting me off once again. After five months, I still have not received conformation that I will receive the " XXXX '' incentive of {$5000.00}. 
What is a consumer such as myself supposed to do? The time is almost up for the program, and after 20 years of faithfully paying my mortage on time, Ditech has effectively put my request on hold until they can say, " too late ''. I have done everything they have asked of me. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Diversified consultant is still reporting negatively on my credit report. My Id theft reference # XXXX please assist me in getting this debt collector I do not owe to stop reporting and contacting me regarding this account. 
When I informed them included an ID theft affadavit but they are requesting again. They had 5 days to delete off my credit report and to stop all contact. 

Diversified Consultant account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2017 about Student loan (Federal student loan servicing) with ACS Education Services (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: ACS is the company. I found out this year that ACS Education Services closed in XX/XX/XXXX. I never received a letter from them that they will be closing. I keep on making my payments on my student loans. Over the years, I did take options that were available to me because of my financial situations. ACS charged me a lot of interest during this time. I never saw my account go down, just up. I transfer my students loans form ACS to XXXX in XX/XX/XXXX. I see my loan decreasing a lot now for example {$330.00}. ACS ripe me off numerous of time. They charge me more interest on my loan. I have talk to tell about my payment history. They sent that information to me in the mail. I do not understand it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I understand that the law is civil judgments and liens can stay on credit fo r seven years. Seven  years is entirely too long for consumers to be able to regain credit acceptance. Although the law will change  XXXX   XXXX  this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely asinine.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with ERC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Several of weeks ago I asked for validation of an alleged debt owed to  XXXX . I received response from ERC stating I would receive notification in the mail of this alleged debt. On XX/XX/XXXX    I received letter  (  attached ) from ERC in regard to my response to this dispute. The letter was a billing statement. My request was for validation of the debt of which was not included. In accordance with the  Fair Debt Reporting Act ( F CRA  ),   proper validation must be included upon request. If validation can not be produced per FCRA, all collection efforts must cease and can not be reported to any of the national reporting agencies. Please produce proper validation. If validation can not be produced and ERC continues collection efforts from this point, I will have no alternative but to seek legal action up/and to suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company Jefferson Capital Systems In Minnesota, has put an item on my credit report. Every time I write them and ask them to send me an original source document meaning a signed contract showing that I am indeed obligated to pay an amount of {$100.00} they fail to respond or they refuse to respond. There is not enough information for me to determine what the debt is or if I owe this debt. They are violating section 609 of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Nationwide Recovery Systems, Ltd (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX XXXX 2. XXXX 3. Nation Wide Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Consumer Loan (Installment loan) with PlusFour, Inc (NV).
Issue: Managing the loan or lease

Complaint: I have a collection for {$20.00} that was paid directly to XXXX XXXX and they cashed my check on XXXX/XXXX/16. This should never have gone to collection. I 've sent plus4 the check copy and asked them to remove it from my credit report. They stated they wo n't remove it until other accounts are paid. I believe they can not do this as this was paid prior to them receiving the collection. I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX, I have faxed, the attached letter to ChexSystems in regards to the disputes stated : Dear Sir and Madam : I, XXXX XXXX XXXX have received ChexSystems letter, in conjunction with your assigned reply identification number, XXXX, to my consumer file dated on XX/XX/XXXX. This letter is to inform ChexSystems of my disputed items unlawfully reported onto my consumer identification account number, as listed below : 1. XXXX XXXX XXXX ( I had never used this name, as a legal reported name, perhaps identity thieves forged my signatures onto unknown documentations. ) 2. XXXX XXXX ( I  had never used this name, as a legal reported name, perhaps identity thieves forged my signatures onto unknown documentations. ) 3. XXXX   XXXX XXXX, XXXX, Illinois XXXX ( in XX/XX/XXXX, I was denied by this USPS, this lockbox without an explanation ).

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 10-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: My husband and I opened XXXX checking accounts in Wells Fargo at the XXXX New Jersey branch in XXXX of 2012. We also filled out a credit card application for overdraft protection as was suggested by the banker who opened the accounts, but we never received a credit card which was how they handled overdrafts. Several months later we discovered that we had been issued a credit card and owed them money. We argued that we did not have a credit card with them and wanted to know how was it activated. Any time one of our accounts was low money was transferred from another account. My husband is the family banker and pays the bills on line so he watches the accounts.They had no answers, the card was supposed to be in my name but supposedly according to Wells Fargo, my husband activated it when they called and spoke to him about an account that they claimed was overdue. He was confused about the call and thought it was about one of the checking accounts. We could n't believe that Wells Fargo had activated the credit card by talking to my husband, a card that was supposedly in my name and we knew nothing about. We were angry. They told us that they do n't always send out the cards, we never heard of that. How can you know you have a credit card if you do n't receive one? We sent letters to the main offices of Wells Fargo but they would not do anything, just sent letters patronizing us. We were charged interest and late fees. However the worst damage was the damage to the wife 's credit that Wells Fargo refused to address and has been plaguing us ever since.

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 05/15/2017 about Debt collection (Payday loan debt) with Worldwide Processing Group, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: XXXX XXXX, 2017 Forward Movement Recovery has contacted me repeatedly about a payday loan collection. I have never had a payday loan. 

They have threatened to contact my employer, garnish my wages, place it on my credit report and even have me arrested for bank fraud. 

I have blocked their phone number but they just get new ones and try again. 

I have requested written verification, they refuse and claim they are not subject to the Fair Debt Collection Act because they are not a collection agency. 

Various phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was sent a bill for charges remaining after moving out of my apartment. I did not agree with the charges, so I sent the original creditor ( XXXX XXXX XXXX ) a certified letter requesting verification of the charges. They received the letter, but never responded. Instead, they transferred the alleged charges to Professional Debt Mediation , Inc. ( PDM ) in XXXX, FL. PDM contacted me and I immediately responded with a certified letter requesting the same debt verification that I asked of the original creditor. We corresponded on a few occasions ( all certified ) but the specific information that I requested to prove the charges was never provided. I was able to do some research on my own to verify that all of the charges were not valid, which is why I insisted they provide further verification. My last correspondence with PDM was on XXXX/XXXX/16 in which I requested information and enclosed a money order for the only amount that I could verify was due ( which was later returned to me by PDM ). I did not receive any further communication from PDM regarding collection activity on this account and no one from PDM made any further attempts to verify this account. On XXXX/XXXX/16 I received an alert that the full charges were added to my credit report as unpaid. I am filing this complaint ( against both XXXX XXXX and PDM ) because I did not receive verification of this debt. I know for a fact that all of the charges are not valid and as a consumer I have the right to dispute charges and they should be appropriately investigated and confirmed before taking collection actions that adversely affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX Mortgage sold my home loan to Specialized Loan Servicing ( SLS ) in XXXX 2016. In the process, SLS did n't get my insurance information and did n't pay the premium from the escrow balance. SLS sent me a notice and asked me to upload a copy of the insurance. I did that around XXXX XXXX, 2016. At that point, I understood that the problem was solved. However, apparently the insurance premium was never paid ( from the escrow balance ) and the insurance company cancelled the policy. I was n't aware of this. Meanwhile, SLS went ahead and purchased new insurance for me without telling me. ( I guess they sent me a letter but they did n't call me ). The new insurance was {$2200.00} per year. The insurance I bought was {$1000.00} per year, so their insurance was {$1200.00} per year more and my escrow payment went up {$100.00} per month. I had automatic payments set up and was {$100.00} short on a few payments. They put my account into delinquent status and they dinged my credit report. 
All of this resulted from SLS 's failure to get my insurance information from the other bank. Nobody called to let me know. I 'm getting screwed by SLS. Please help!

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 03-07-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit reporting agencies ; XXXX, Equifax and XXXX are reporting a public Record Bankruptcy which is inaccurate in it filing. The CB 's are stating that the information has been " VERIFIED '' according to XXXX and the bankruptcy court. Both the XXXX court of Clerks and Lexis Nexis have verified that the information is NOT reporting therefore is NOT VERIFIED. According to the law and my rights under the the law of the FCRA, Consumer Debt Law and the Public Record Act, if the information stated is INACCURATE IT MUST BE REMOVED or provide material evidence of who, how and where it is reporting!! I am requesting that the CFPB advocate for me in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This our XXXX case we were forced to open with Discover as they completely ignored the issue citing unfounded claims. I have had an ongoing issue with Discover. They reported incorrect enrollment dates for XXXX and residency, based upon which I was charged exorbitant late fees while in school deferment periods. We have also had issues with premature capitalization occurring while I was in medical school, as well as multiple erroneous and fraudulent capitalizations on same loan during valid in school deferment status. At this point we were informed that Discover has changed their records to erase evidence of the school status. We tried resolving the issue with Discover directly and have been " bounced '' around from specialist to specialist, finally dealing with XXXX XXXX in the Executive Offices. She was both aggressive and antagonistic when I asked how to help resolve these issues. We decided to involve the CFPB instead of a lawyer at this time as we can not afford to pay hourly fees for legal representation. We have been charged exorbitant amounts of money and we are certain that Discover is guilty of fraudulent record keeping and egregious mismanagement of my Student Loan accounts. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: Repeated phone calls at odd hours of day and night from XXXX XXXX, also served me with lawsuit for debt I do n't recognize. They call from multiple phone numbers including : 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 12/21/2016 about Consumer Loan (Vehicle loan) with Experian Information Solutions Inc. (CA).
Issue: Shopping for a loan or lease

Complaint: we purchased a new XXXX XXXX XXXX XX/XX/2016 We got the 0 % interest loan form 60 months and were approved on site. However two weeks later they said Experian reported negative things about us. 
We still got the loan, but want to have Experian remove the negative comments which are incorrect. My score was XXXX, and My wife 's XXXX. On other credit reports we are listed at XXXX and XXXX. 

Esperian states : " proportion of loan balances to loan amounts is too high. '' This is incorrect! We only have XXXX loan balances currently, a monthly house loan at {$1800.00} a month and a 0 % interest loan with XXXX for beds purchased last fall. 
We have n't had any major credit debt for close to three years. Our income is over {$120000.00} annually and we have no other debts Experian States : " too many inquiries last 12 months. '' We do n't know how " too many '' is determined. we did successfully refinance our home loan last fall, and got credit from XXXX. That should n't incur a negative on our credit rating! 

Experian also states, " Time since most recent account openings too short. '' WE have credit cards with XXXX that were have had for many years, which we use daily and pay off each month. 

We want Experian to remove all negative comments from our credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (I do not know) with Data and Contact Management Solutions, LLC (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 2 phone calls to my home phone number trying to identify who is handling the estate of my late mother. XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX. Left lengthy messages to call back XXXX. 
one letter sent to my dad 's home to contact XXXX XXXX on outstanding debt for my late mother sent XX/XX/XXXX. 
This company must comb through the obituary notifications and contact people via web searches affiliated with the deceased to harrass them and get people to pay money, which they do not owe. My mother has no debts and my father 's life savings was depleted in paying every single one of the expenses she incurred while she was alive. This company is a group of disgusting, parasites. Not sure how they look themselves in the mirror every day let alone wake up every day!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I had my credit information improperly exposed by Equifax. Their negligence led to my information being exposed to hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016 I submitted a written request to end escrow of my HOI and ESCROW TAXES ONLY. I received a call in XXXX indicating they received the request to ESCROW TAXES ONLY. Nationstar did not process my request until XXXX 2016. When they processed the request they closed my escrow count completely. I requested to ESCROW TAXES in all communication and instead nationstar mortgage closed my escrow account completely. I have never asked them to close my escrow account completely. I have always asked for ESCROW TAXES ONLY. I am now having to make 10-20 calls to have this issue fixed and I have a tax payment that is due from escrow next month.

Company response to consumer: Closed with explanation