milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: Two issues with loan servicing for # XXXX  and formerly, # XXXX.

For the history of the loan, XXXX has had an escrow account in my name. 
The first issue occurred approximately 5 years ago ( XX/XX/XXXX ), Wells Fargo was taking money for escrow and did not pay my taxes or my insurance on time. I found out I owed the State of Texas and county in late fees. I paid those late fees because I really did not understand what was going on and the late fee were acquiring more late fees on top of the late fees ( for over three years, from XX/XX/XXXX to XX/XX/XXXX

).
Again this month after several hours of calls, I found out that this loan was " newly acquired, effective XX/XX/XXXX and no escrow monies are taken out. '' My bank statement reflects money being taken out each month. See attached. What is happening to my escrow monies? 

Second, equally major issue is that the XX/XX/XXXX XXXX XXXX, Form 1098, reflects line # 2,  Outstanding mortgage principle effective on XX/XX/XXXX as {$34000.00}. When I was inquiring with the XXXX agents about the issues with escrow not reflecting, they stated that I have a principle balance of {$49000.00}, effective XX/XX/XXXX. How can I owe more than $ 10k in one year to the bank, when I am making payments to the loan each month? Each year the 1098 form reflects the mortgage going down not up. 

Each time the XXXX information technology systems change, the customer ends up paying extra money or funds get mis-allocated. Also, the system is not accurately transferring my escrow money. 

Third issue is that the second loan, {$41000.00}, a home equity loan, formerly # XXXX, # XXXX, this loan was supposed to be against XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. This house was short sold along with this loan in XX/XX/XXXX. Why did this loan not go away along with the short sale in 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 02-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Commercial Services, Inc (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX insurance issued a debt for an auto accident that was dismissed in court. Case # XXXX. Attorney XXXX XXXX XXXX Ph/ # XXXX. The collection company is NCS at phone # XXXX. Name of representative is XXXX XXXX and he not only is calling numbers not associated with me but after providing him with attorney information and verbally explaining him to cease and desist he continues to make harassing calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XX/XX/XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX XXXX right now at the same time and I wan na take this in legal action.

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 08/24/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I filed a dispute for an unknown medical account which had the account deleted on XXXX XXXX, 2015 ( copy of result page enclosed ) and as of XXXX XXXX, 2015 it was reinserted. 

I originally disputed the account on XXXX XXXX, 2015. From their response I filed a proper dispute on the unknown medical account, contacted the reporting collection agency with a dispute and request for validation on this unknown medical account as per instructions from Equifax. I sent a follow up dispute to Equifax and at that point it was deleted. Equifax 's reinsertion of the deleted unknown medical account is a violation of the FCRA and FACTA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages  that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that   you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify aft er two written requests is also evidence of your willful disregard of Federal Law. When  we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the  Court will order you to delete them. You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can no t be verified. I request that you do this immediately. The law is very clear as to the civil liability and the remedy available to me  ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an  updated and corrected credit report showing that these items have been deleted.   Name of Account :  XXXX   XXXX   XXXX   XXXX  :   XXXX   XXXX   XXXX   XXXX   XXXX  Account Number :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I need your assistance in helping me to get several accounts reporting on my credit file from Central Financial Control removed. These accounts do not belong to me. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified the Credit Agencies of this along with Central Financial Control. However, Central Financial Control have reported to the Credit Agencies that these accounts has been verified. How could they verify an account with the Credit Agencies and they can not verify this account with me. I have asked for proof of this account and I still have not received anything from Central Financial Control.

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 04/24/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: Loancare took over my mortgage in  XXXX  of  2017. Paid  previous payments to  XXXX   XXXX   XXXX  without any late payments. After not processing my first 2 monthly payments properly. They but a negative mark on my credit report and sent me a foreclosure letter after seeing the mistakes I promptly paid the past due amounts as well as all the current payments. I believe they processed this neg mark way before the allotted time aloud with out reaching out to me to rectify the problem. Sent letter to them on  XXXX   XXXX   2017 w as told in would be looked into  5 b usiness days afte r 10 i calle d in and was told in would be resolved on  XXXX     2017. Ha ve called in multiple times with no return call or contact from a supervisor. And it is past the 30 days off investigation.

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 12/23/2015 about Debt collection (I do not know) with Windham Professionals, Inc. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling my cell phone and place of work 4-5x a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Payday loan () with Big Picture Loans, LLC (VA).
Issue: Charged fees or interest I didn't expect

Complaint: Hello, I got a payday loan from CastlePayday.com after receiving a flyer in the mail. At the time I needed the money so you do what you have to do. When I was going through the process I thought my payments would be {$100.00} per month. I only got a loan for {$400.00}. Well, each month this company is debiting {$280.00} from my checking account. I have contacted them as asked for a specific payoff amount and also advised that debiting from my account is no longer authorized and I would like to call in and settle this account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, XXXX XXXX and Trans Union. I listed the accounts I had a problem with. 
1XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was XXXX, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX same people I was in a car accident in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( 3 ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting information which they claim they 've verified but when confronted about their procedures have failed to provide any further information. On XXXX XXXX, 2016, I disputed a XXXX account. I did not recognize the account nor the information on it. On XXXX XXXX, 2016 they sent me back a report claiming it was verified. So on XXXX XXXX, 2016 I sent a method of verification letter to Experian while at the same time I sent the XXXX XXXX XXXX XXXX a XXXX request ( letter was mailed on XXXX XXXX, 2016 ). I sent the letter Certified to make sure it arrived on time. tracking # XXXX. It has now been more than 25 days since Experian received the letter & over 30 since the XXXX XXXX XXXX XXXX has received theirs. The FCRA has strict rules which apply to the publishing personal information. They claim to have verified the account in question. I challenge them on all their merits. If the facts are accurate & this is truly my account. Then other questions arise ... How does an account display a 90 day late without first publishing a 30 & 60 day late previously to the 90?. This information just on its face is inaccurate & needs to be removed. Additionally, since neither the credit reporting agency ( CRA ) nor the date furnisher ( DF ) have done their due diligence & provided me with any information which substantiates their position then I believe their investigation procedures were flawed. As a consumer the FCRA is in place to eliminate any CRA or DF from not adhering to the law. I believe not one person reviewed my file & just used the automated credit dispute verification ( ACDV ) forms, thus making the possibility of error even greater. I would like this matter resolved immediately as there are severe & gross violations taking place with my report. And this matter has caused me great emotional & now financial stress. Please remove this item from my report at once ...

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 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I would like your help on getting EXPERIAN to do what they are required to due in a matter of Identity Theft. EXPERIAN has been ignoring my notice of fraud on XXXX student loan accounts even though I sent them documentation of the court case and successful prosecution against the person who committed fraud against me and the XXXX and XXXX student loan companies. 

Not only did I not sign any loan agreements, or have knowledge that my name was put on the loan documents but the prosecutor also got a hold harmless document included to protect me in regards to this matter. 

I want these accounts removed from reporting on my credit report and a block placed on these accounts. 

Attached are copies of the court papers with sentence, the hold harmless ( specifically pages XXXX through XXXX ), XXXX of a number of letters sent to EXPERIAN disputing the Identity theft XXXX pages of the EXPERIAN credit report The latest refusal by EXPERIAN to block the identity theft and their decision to ignore me and the facts. 
Total of XXXX pages Note : part XXXX of docs are pages out of sequence but numbered ...

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 03/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient is the loan servicer for my wifes student loans, FAFSA, we have been making payments on these loans for several months but Navient keeps sending the checks back to us and changing the address where we need to send them. I have been trying to sort this out with them and I am getting no where. they have since ruined my credit because they say my payments have been late. I am getting fed up, they now are telling me they will not except checks anymore and only debit or credit cards will be the excepted form of payment. I should not have to give them a personal debit or credit card number because this only gives them the right to invade my bank account or credit card account to steal money. All I want to do is pay these loans as agreed, why are they so difficult to deal with? they are rude, and down right hostile about any inquiries I made, and they call up to twice a day sometimes. this is really unethical and I am fed up with the whole thing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Credit card) with GC Services Limited Partnership (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am writing to ask you to STOP it with all the harassing to calls to myself, my employer ( which can and will get me fired ), and to any and all family members near and far. I have been receiving multiple calls daily, as well as, have people in my husband 's family, my dad 's family in which we are estranged from, co-workers, and my elderly grandparents. The caller, XXXX on some occasions, has not only violated my rights by telling third parties about my debt, but has also been telling straight out lies to those other people she has been calling, saying that I gave her that number to contact me with. That is just illegal. If these calls to myself and others do not stop ASAP, I will be getting an attorney and filing charges against your company. I will be mailing your company a hard copy of this letter. I hope that the next time I hear from you guys, it will be to tell me that you will stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I relieved a letter today from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/17, stating my recent application for a XXXX XXXX XXXX XXXX credit card, which is issued by XXXX XXXX XXXX XXXX XXXXk, was denied. The problem is I have never filled out an application for this credit card, or any other credit card for that matter. I never authorized anybody to run my credit score, nor did I ever fill out any applications from wells Fargo bank. 
The credit agency that ran my credit without my approval is 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 06-09-2016 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (GA).
Issue: Problems when you are unable to pay

Complaint: I was only 2 weeks past due and an employee left me a voicemail and then when she thought she hung up she said " I am going to call her at her job '' a girl in the background said " who '' and then she said " XXXX XXXX XXXX '' I have the recording of her saying this. I then called them back and stated I was filing for Bankruptcy and then an employee told me that she would still garnish my wages if I did n't bring in a payment. They have called me every single day and left me voicemails. I just now have turned into a 30 day account and they are collecting on me like I am over 180 days. I work for a XXXX company as well and that is not how you treat customers. Especially ones who have always been current for 2 years and have just run into a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: While refinancing our home loan XXXX XXXX, we call our previous lender, Ditech to get a pay off letter. They mailed us a payoff letter good through XXXX/XXXX/2016, for the amount of {$280000.00}. Our new loan with XXXX XXXX funded XXXX/XXXX/2016 and Ditech 's own records verify that. Today, XXXX/XXXX/2016, I received a letter from Ditech stating that we owe them an additional {$4100.00}. Needless to say, we do n't have an extra {$4100.00} laying around, and do n't understand how Ditech could have made this " error '', if in fact there is one, and if so, how they can demand payment right now and charge me {$43.00} a day until I pay it. Had they given us this payoff, it would have been financed into our loan, raising the payment {$20.00} a month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit card () with U.S. BANCORP (UT).
Issue: Advertising and marketing

Complaint: Credit card reduction in benefits

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed a late payment from XX/XX/XXXX with XXXX on Equifax. I provided documentation showing where the error was on their part. XXXX had agree to remove the late pay on their system based on this documentation. Equifax did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Equifax leave it on my file after the dispute?

Company response to consumer: Closed with explanation