milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2017 about Vehicle loan or lease (Loan) with EQUIFAX, INC. (MI).
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 purchased a XX/XX/XXXX     XXXX   XXXX    with my brother ( co-applicant ) through  XXXX  in  XXXX . We traded the  XXXX   XXXX  in for  XXXX   XXXX   XXXX  on   XX/XX/XXXX   in My name only this time.That being said the  XXXX   XXXX  was paid off through  XXXX  and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new ca r (   XXXX   XXXX   )   XXXX  In itially there were two 30 day lates, one reported on    XX/XX/XXXX  and the other in  XX/XX/XXXX . I was advised to dispute it by  XXXX  because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only  removed one 3 0 day late which was the  XX/XX/XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  Sales  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on   XX/XX/XXXX   so how can we have a 30 day late on our credit report for  XX/XX/XXXX & XX/XX/XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the   XX/XX/XXXX   late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither  XXXX  or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what  XXXX  's response was or I really feel like they are n't even investigating the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX, XXXX, and Experian all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

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 03/23/2015 about Debt collection (Medical) with Central States Recovery, Inc. (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This debt was discharge back on 2010 by the bankruptcy court and they still try to this day to to collect was its already discharge, worst part is that they are reporting it to all XXXX credit bureaus as a actual debt with different collection agencies in Kansas.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: SYNCB/Banana Republic Credit Card. I paid this credit card off in full in the amount of {$8600.00} in XXXX of XXXX. At this point, I tried to close the account but was told I could not do that yet. The following month an automatic deduction was applied to the card with out me knowing it. I receive a bill for this amount to my new address. I moved to a different address in XX/XX/XXXX. I paid the full amount. I received another bill which was being forwarded to me from my former address. I then paid the same amount again thus, overpaying. I refund check was sent to me but I did not receive it because by then my forwarding mailing address had expired. I never heard from SYNCB/Banana Republic Credit Card again. I thought the account was paid in full and closed. In XXXX of XXXX I received a letter from this bank saying the account had been turned over to a Collection Agency in the amount of {$410.00} I do not know what or why I owe money on this account. The majority of the amount owed is due to interest on the some unpaid amount. I 've been in contact with this company and trying to resolve this problem. Since I moved and the forwarding address expired I did not receive any documentation from this company until recently. I want to resolve this issue and pay anything that I owe to SYNCB/Banana Republic Credit Card.

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 06-05-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a co-signer for my son 's student loan account with Navient, aka XXXX. Navient incorrectly reported to the credit bureau that " my account '' was 60 days past due, with a reckless lack of communication to me that the account I co-signed for was even late. I dispute that Navient had any lawful right to ruin my good credit by reporting to the credit bureau that I was 60 days past due, in regards to my son 's student loan account. Navient should have some legal duty to actually contact me before they take such extreme action as ruining my credit. Navient negligently failed to make any reasonable effort to contact me to alert me to any late payments on this account! I only received XXXX vague email, just just six days before they reported " my account '' as 60 days late and it had no mention of a late pmt in the email. Navient claimed they " generated '' a notice but they did not. Navient said they fulfilled their duty to notify me by sending " automatic '' phone calls to a land line with no answering machine or phone, and they acknowledged that none of the phone calls were answered. ( Navient had all of my contact info in a separate parent plus account ) Naviant destroyed my good credit, as my score dropped from XXXX to XXXX the day they reported " my account '' as 60 days past due. I explained this to Navient but they have done nothing to satisfactorily explain why they relied on the inaccurate incomplete, unverifiable and non-existent notification to me, that the account I co-signed for was late -- prior to ruining my credit in reporting this account 60 days late without sufficiently communicating with me that it was late first.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: This pertains to Case number : XXXX. 
Today, I have called Ocwen to find out why the modification process was not updated yet. I was instructed that they were still missing one last document. I explained to the lady that we sent all the paperwork but would be happy to send it again. We got into this mess because back in XX/XX/XXXX we paid the {$5200.00} that was due to reinstate the loan back on XX/XX/XXXX via wire from our bank. I called for days and monitored the account but no funds from the wire ever showed posted. It was explained to me today that their records show they did not receive payment until XX/XX/XXXX and that is why they did not honor the reinstatement of the {$5200.00} and put us into foreclosure, not returning our funds until XX/XX/XXXX. Ocwen 's bank is XXXX XXXX ( we all know about them ) who clearly told me they can take up to 3 days to post a wire! How criminal is that? I also talk to another agent at Ocwen who said it was sent back because there were foreclosure fees from XX/XX/XXXX that were never paid and they are due and have to be paid. Even thought I told him what their own letter said, he stated that form is n't really for our loan. We have an FHA loan. So neither person could really tell me the truth. So now we are in foreclosure with new fees being added to the account. We applied for a modification to stop the foreclosure process and today I was checking on the status. The young lady did tell me we could pay the {$9900.00} that is now due to reinstate the loan ( you ca n't pay your monthly payments while in foreclosure and late fees keep adding up plus new fees ). She stated there are new foreclosure fees that are being added but those will be added to the end of the loan and not necessary to reinstate. I explained to her that is why we are in the mess we are because Ocwen said we have to pay the original foreclosure fees and the {$5200.00} did not satisfy the total amount due despite what their letter said. She said, no, it was denied because it did not have XX/XX/XXXX payment in it because we did n't get it until XX/XX/XXXX. So why did XXXX XXXX who is the bank for Ocwen keep the money for 3 days? And now I am in foreclosure but she assured me I can send the {$9900.00} to reinstate and they wo n't need the foreclosure fees of {$2000.00} up front, just at the end of the loan. Looks like XXXX XXXX ca n't open bogus accounts with lines of credit so maybe they are taking the wires and using those as cash for federal reserve money for points? Interesting .... And Ocwen ca n't tell me the truth about the letters they send to their customers ....

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Payday loan) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Commonwealth Financial Systems Incorpated has repeatedly placed threatening phone calls to my cell phone and the phone of my XXXX father. These calls do not identify the agency as a debt collector, the message directly state " legal action is being taken against you, papers are being filed in a court of law, if you do not contact us ''. 

I returned a call on XXXX/XXXX/XXXX to see what company was calling leaving messages like this on my father 's phone ( he has XXXX trouble ). I spoke with a representative who had information on an old payday loan account ( over 8 years old ) that was verfied paid before I filed Chapter XXXX in XXXX. 

I asked the representative why they were calling me instead of the lawyer ( he stated I was being sued in XXXX, I reside in XXXX ) and he began to become irate. 
I further advised him to contact directly and not my father, which turned into an argument. He stated it was ok, they will pursue. 

This practice of threatening consumers is unacceptable. The company stated they had an affidavit from my bank, but they had outdated contact information. The representative further claimed they sent court papers to an old address and email, but they had a current phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citibank gold checking promotion ( i received the offer from Citi Bank by e-mail, which I can provide ) that offered XXXX XXXX AAdvantage miles after meeting specific spend and bill pay requirements. After completing the requirements, I called Citi representative on XXXX/XXXX/2016 to confirm that I had successfully completed the Citigold checking promotion. After checking that I achieved the conditions ( using Debit card for {$1000.00} spend and pay two consecutive bills ), Citibank confirmed through phone that I had successfully completed the promotion and that the airline miles would be deposited into my account within 90 days from the date of completing the program 's requirements. I called to confirm one more time in XXXX, and I was told to wait till XXXX for miles to post. More than 90 days ( over 100 to be exact ) past without having the promotional miles deposited into my account. I called and sent another secure message to Citibank witch did not result in positive outcome. In addition to being denied the XXXX points, I was required to pay account fees to keep the account open until the points had posted.

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 06-04-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: 1. I have not paid my mortgage for a while due to the refusals of my mortgage Servicer/Investor to modify my loan. I lost my job in XXXX XXXX, XXXX, and at the same day I requested my mortgage servicer ( XXXX XXXX XXXX ) for a mortgage modification through Home Affordable Mortgage Program ( HAMP ) but has been denied ( simply no official answer ) FIVE times. Each time XXXX XXXX XXXX offered help but when I try to avail of such, results : Either I was given a run-around, no reply, and declined. 

2. The owner of my loan, or the Investor is XXXX XXXX. 

3. With my mortgage 's 7.375 % interest rate, per mortgage statement attached : Monthly Regular Payment : {$2000.00}. Breakdown of Principal {$300.00}, INTEREST {$1300.00}, Escrow ( for Taxes and Insurance ) {$460.00}. Evidently there is room for its modification. Why would they refuse to help myself? 

4. XXXX XXXX XXXX, after declining my applications for mortgage modification, in XX/XX/XXXX transferred my account to another servicer, BSI Financial Services ( a collection agency ), XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, Account # XXXX. 

5. BSI Financial Service put my house on foreclosure sale for XXXX XXXX, XXXX. Weeks before that, through the XXXX XXXX County Foreclosure Prevention Department of Consumer and Business Affairs ( DCBA ) agency, I applied for a HAMP with BSI. I offered my monthly retired pay of {$2100.00}, and my ( re-started XXXX XXXX, XXXX ) Veterans Benefits ( XXXX ) stipend of {$1200.00} for every school month that I attended, to pay for a modified mortgage. Through my DCBA Counselor, my application for HAMP was declined by BSI Financial Services on XXXX XXXX, XXXX. 

6. My application for HAMP was declined due to low income. Will someone request for HAMP if his or her income did not decline almost half from the previous? That 's I am right now, a jobless Veteran, and a college student too. 

7. Facing foreclosure of my only home, it left me no option but to file for Chapter XXXX, Bankruptcy. I and my spouse, XXXX XXXX, filed for bankruptcy on XXXX XXXX, XXXX. We have a court appearance on XXXX XXXX, XXXX ( Case No. XXXX ), XXXX XXXX , US Bankruptcy Court , XXXX District Court of XXXX. 

7. I was an XXXX member, enlisted XXXX, honorably served over 21 years. 

8. I intend to pay all my debts once I recouped my losses from my unlawful job-loss. I was discriminated as a Veteran for over five years of employment. Because of those Veterans benefits above, I was paid callously even with my multiple promotions and achievements. 

Sincerely and respectfully, XXXX XXXX, XXXX, XXXX 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 05-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Theres XXXX accounts listed on my credit report the Equifax that do not belong to me and I have contacted all parties and sent a copy of my police report. I have also contacted a law firm that specialize only in suing credit bureaus. This company is called XXXX and I have been in contact with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Debt collection (I do not know) with NRA Group, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get at least one call a day, Monday thru Saturday, from a XXXX XXXX from the National Recovery Agency. This is a robo-call and she leaves a message on the machine. There is no live person to talk to. I am a XXXX-year old XXXX, own my own home, have no bills except for the utility and credit card bills, which are paid on time, every time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (I do not know) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting debt from collection and account that are not mine and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am on the list of potential identity theft victims in the latest Equifax hack. I became aware of this through social media, and was not contacted by Equifax directly. They became aware of the incident on XXXX XXXX, and I just became aware on XXXX XXXX. There is absolutely no reason we should not have been made aware of this considerably sooner, as now I ( and many others ) have to go back and make sure that my account information has not been compromised and no illegitimate accounts have been opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: PNMAC MORTGAGE XXXX XXXX XXXX, XXXX, AS A SUBSIDIARY PNMAC XXXX XXXX, XXXX XXXX, XXXX COUNTY COURT OF COMMON PLEAS AND XXXX XXXX XXXX & XXXX filed an illegal foreclosure action in a non-competant judcial XXXX defined in XXXX XXXX XXXX XXXX a ) ( b ), which is outside the district to the United States XXXX PNMAC MORTGAGE XXXX XXXX XXXX, XXXX is fully aware that such attempts to avoid federal laws of the United states regarding interstate commerce, obligations of the United States is illegal. XXXX COURT OF COMMON PLEAS IS NOT a state defined in XXXX XXXX XXXX ( XXXX ), however is not exempt pursuant to XXXX XXXX XXXX. Accordingly under federal law and statues of the United States, constituions, consumer federal law preempts any state law that is inconsistant with federal law that provides less sufficieny in terms of consumer protection.The actions taken by all parties the consumers were upon private instruments, assets, consumer accounts, within interstate commerce, which are in facts obligations of the United States. Therefore, Defendants foreclosure upon, bringing suit against, seizing or by disablement, dispossession, accounts, instrumentalities of the Unites States, which includes the consumer. XXXX county court of common pleas would lack any jurisdiction, competently or otherwise, to engage in any acts against the United States. Defendants Failed to obtained prior consent from the Consumer, or permission from a proper, competent judicial court, district, before engaging in such acts. It is believed that defendants are acting on the false notion that the consumer is some sort of artificial entity, citizen, or other, corporation formed under their a XXXX XXXX laws. Therefore, XXXX Court of Common Pleas is properly defined as a debt collector, XXXX XXXX XXXX ( a ) ( XXXX ), collecting a debt defined in XXXX XXXX XXXX ( XXXX ). And not exempt under XXXX ( XXXX ) ( c ) .Conseuqently, and knowingly, no evidence has been presented to support this presumption. The consumer is not a citizen, state citizen and such creation of an entity without knowledge and consent is of the consumer is fraud, even criminal.

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

Complaint: I have been part of the cybersecurity leak that affected Equifax from XXXX to XXXX XXXX. I am only being informed now, in XXXX of XXXX of the fact that my information has been floating around as part of this comprehensive hack on their databases. This is unacceptable as no information was ever given to Equifax consumers by Equifax regarding the breach. 

As a result of this breach I may be vulnerable to fraud, identity theft, unauthorized use of my credit and finances, among other life-changing things. This has caused me much stress, anxiety,  and undue hardship due to the constant thinking about having my identity stolen and the taking steps, without the help of Equifax, to attempt to minimize damage and remedy the situation. For a company that is worth well over {$3.00} billion, it is absurd that they can not protect consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (FL).
Issue: Fraud or scam

Complaint: I completed my tax return using XXXX online service. On the last page, there 's an inquiry as to how I 'd like to receive my funds. It also advertised a quicker way to receive my funds by receiving it on a debit prepaid card, PayPower. This prepaid visa card is powered XXXX. I went with this option. 

The XXXX deposited {$9.00}, XXXX into my account with these people and I have yet to receive my funds. PayPower claims that they 've returned the money to the XXXX. The XXXX confirmed that XXXX received the funds on my behalf and has cashed it. PayPower confirmed receipt of said funds ; however, they continue to claim that they 've returned the funds to the XXXX, which is not true. 

I 'm working with XXXX XXXX, a XXXX XXXX Advocate who can confirm that the XXXX has not received the funds. She can be reached at : XXXXPayPower can be reached at : XXXX can be reached at : XXXX 've been getting the " run-around '' since XXXX XXXX, 2015. The XXXX deposited the funds on XXXX XXXX, 2015. 

PayPower was not satisfied with all my attempts to prove my identity. They claimed that they returned the money to the XXXX on XXXX XXXX, 2015. 

Since then, it 's been a back and forth and no real answers. 
I 've been evicted from my home. I was homeless with my children. This has devastated my life in ways I did n't think possible. 

I believe I am a victim of fraud. Please look into this and help me recover my due funds. 

Thanks a million.

Company response to consumer: Closed with monetary relief