milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2017 about Credit reporting () with OCWEN LOAN SERVICING LLC (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I Called the company listed below and inquired about information placed on my credit report {$31000.00} in 2006 and the representative asked for my personal information. Name, social security #, address, etc ... she stated that she did not have any information on me in their files or system, I then asked her that if i 'm not in your system then how and why is this debt on my credit report she could not give me an explanation, I then asked for the debt to be removed /deleted and she refused stating that i need to send a copy of my credit report, so i told her that i would file a complaint to get this issue resolved. 

the company is : OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX and I dispute the amount of damages owed me and offsetting rent. Rather than resolve this dispute, XXXX turned over their claim to Fair Collections and Outsourcing for collections. The amount owed is undetermined and unresolved, yet XXXX chose to intimidate me by misrepresenting to FCO that I owed money. XXXX engaged in deceptive business practices, fraud, destroyed my personal property, and committed numerous violations of the XXXX Housing Code. They also accused me of damaging the premises, a claim that is impossible to substantiate due to construction in the building initiated by XXXX themselves. XXXX also removed services and amenities advertised to me when renewing my lease. This constitutes a misrepresentation of material facts on which I relied. This is common law fraud.

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 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Dear Sir / Madam, I want to view my annual credit report and since I moved to XXXX, website is not allowing to view / download my credit report. Getting message that " this option not allowable in your country '' and instructed to approach you. Request you to let me know how can I get the report. Also let me know how can I reach you or you will be reaching me to get my contact & other details. ( Mentioned above not to share contact info and other details in this area ). Looking forward your response at the earliest. 

Thanks in advance, Thanks & Regards, 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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've contact the companies that 's in questions I was told to contract the credit bureau.I be contacted the credit bureau several times.I was told its factual it ca n't not be changed to contact the actual companies.Several times the customer representative has hung up the phone one me when I told them the informative was incorrect they were given me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (I do not know) with Senex Services Corp. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I reviewed my credit report and noticed that Senex services was reporting several debts owed by me on 1 or more of my credit reports. I have no knowledge of these debts so I disputed directly with the credit bureaus and their response was that the debts were verified as belonging to me. After several attempts requesting the bureaus provide me with verification and no success I requested directly with Senex that they validate the reported debts. They failed to do so but responded with the attached letter stating that " per my request they will no longer attempt to communication with me ''. However this was not my request it was actually for them to communicate with me and let me know what proof they had that this was a debt that belonged to me, was accurate and they were able to legally collect from the person that owed the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Other financial service (Check cashing) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Unexpected/Other fees

Complaint: I wanted to write and voice a concern involving the banking practices of Regions Bank and possibly others. My mother had surgery on XXXX and spent 14 days in XXXX. During this time her home was broke into and her Television was stolen. Upon returning her to her home she wrote me a check from her Regions back account and asked me to cash the check and go buy her a new television. I pulled up to the drive through and presented the teller with my mother 's regions check and my driver 's license. I was informed that I would be charged {$4.00} since I was not a member plus I would have to come inside. 


My first concern:1. laws, rules/regulations that allow Banks such as Regions to charge a fee to cash a check that their customer wrote is not customer service. This ultimately will result in an increase fee to their members/customers. For example : when an individual pays for services with a Regions check, a non-member will have to charge an extra {$4.00} because it was written from a Regions bank account. if these fees generate XXXX to XXXX revenue per month, putting this fee back on the account holders will result in them finding other banks to conduct their business. 

2. Is This type of business conduct " Bank Bullying '' non-members are being strong armed/forced into opening an account with their bank requiring an minimum deposit or else face a fee. This state needs is tighter control, consistency and continuity across Alabama Banks. This type of fee is unreasonable and unfair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I consolidated all of my student loans to XXXX XX/XX/2015. Several months later, I noticed while checking my credit report that I had a 60 day late payment on a student loan through XXXX / Navient. I contacted XXXX to notify them that I had never received any communication stating that I owed a payment and that my loan had been consolidated with another lender. They acknowledged the consolidation but refused to remove the late payment from my XXXX credit bureau reports. The credit reports clearly show that there is no data from the month of the late payment, XX/XX/2015, forward. I am requesting that this late payment be removed form all XXXX credit reporting agencies as I had no knowledge of owing any remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016 I requested a mortgage satisfaction letter for my property at XXXX XXXX, XXXX XXXX XXXX XXXX from Bank of America which is in the process of being sold. Since then I have made numerous request and I have received the wrong document 3 times pertaining to another property in another state. I have spoken Bank of America 's Advocacy Team and again received the wrong documents.This has delayed the closing of my home and possibly the sale of the above property.

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 01/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am currently a student loan holder with Navient. I have for years now been fighting with them to provide paper work for the life of my loan which has not been available to me until just recently. I questioned the balance many times with them and the payments that were applied often did not match with the overall balance, payments were not being applied correctly. When I questioned the company I was given many different excuses that really made no sense. I was also told that my cosigner could be released from the loan and that has still not happened after making 8 years of payments. This loan continues to make no sense and I believe due to payment malfunctions/neglect the overall remaining balance is incorrect and many payments have been applied incorrectly impacting the interest and principal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I wish I could have chosen multiple answers from the above drop down, as almost all apply. 

This company API Recovery Solutions purchased an old charged off debt, and now continues to call me and my family members. Harassing and leaving voice mails that they are going to take me to court and garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 05/19/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: XXXX  of this year, I received a new debit card in the mail from  TCF  Bank. I activated the new card promptly. I live in  XXXX , and most days I commute to   XXXX   XXXX   using  XXXX   XXXX   XXXX  's  XXXX   XXXX   XXXX  "   XXXX   XXXX   XXXX   or buses, which use a fare system operated by  XXXX . Through school and paid for with my tuition, I have a U-Pass with unlimited rides with  XXXX . To get on a bus or train, I wave my U-Pass over a card reader, and a screen lights up green informing me I have provided acceptable fare. Like many people, I do not remove my U-Pass and individually scan it over the card reader ; rather, I wave my money clip containing several cards and cash over the reader to save time. Since  XXXX    XXXX  , this has never been a problem, but that changed with my new  XXXX    XXXX    debit card. Unbeknownst to me, between  XXXX   XXXX  and  XXXX   XXXX ,  XXXX  charged my  TCF  debit card instead of the U-Pass for a total of {$120.00}. TCF Bank and  XXXX  never informed me that their debit card could charge at transit card readers, and I was unaware a checking account could even possibly be charged in such a way. TCF Bank refused on multiple occasions to refund me the {$120.00}.  XXXX  refused to even look into my case, flatly stating " no refunds '' despite me having a U-Pass with unlimited rides.

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. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax states my information was compromised in the hack recently. This is a large amount of sensitive, damaging information to my credit and was stored improperly if it was accessible to the greater internet unencrypted.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My Name is XXXX XXXX, Navient has been taking care of my loans. After having issues making the payments that they were asking of me which are $ XXXX monthly. I 'm a single father of XXXX there 's no way that I could pay this amount. They did n't provide me any other choices. They also lied to me various of times. if my payment would be around XXXX I would be able to pay but they are not willing to work me, because of this my loan my default. This will ruin my life. I wanted to know how I could be part of the Lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (WY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I ran credit report today and my credit rating is dropped by over 100 points due to Amcol Systems report for alleged debt or {$970.00} has been sent to collections. The alleged debt was originated from " XXXX XXXX Emergency Room '', which is part of the University XXXX XXXX XXXX XXXXXXXX. I was treated for a severe XXXX XXXX, and paid for the emergency room before I left. Months later I received a billing which I took to that same facility and told them the amount was excessive. I did not have health insurance and was told the debt would be written off. At no time during my emergency room visit was I told about potential costs or additional costs that may be incurred while the doctor performed additional XXXX and such to protect from malpractice. The XXXX were not needed for treatment, and were only for malpractice protection and were not ordered by me. I moved from XXXX and Amcol Systems has NOT provided me with option to dispute this debt as required by law. Amcol Systems is attempting to collect a debt that is not owed, and has adversely affected my credit score which will cost me nearly 2.5 % higher interest rate which will be nearly {$400.00} per month higher interest cost on my home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015, I opened a checking account with TD bank over the internet. I deposited {$100.00} and was given confirmation of opening account #. On XXXX XXXX, 2015, I received their " Welcome to your new checking account '' snail mail. 

At XXXX on XXXX XXXX, I was awakened by an email from TD telling me that my deposit was unsuccessful and that I need to visit a store to make my initial deposit. At XXXX I called the number provided in the email ( XXXX ) to find out what happened to my money and the account I opened. The woman who answered the phone asked for my SSN and looked something up in the computer. She told me that someone closed the account and did not leave any note about why it was closed. 

I do n't care about the account anymore. They can keep it closed. My problem is that they closed the account and did not return any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2015, I filed an dispute with Enhanced Recovery Company. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Enhanced Recovery Company. never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never resided in XXXX Il or XXXX Il ... I have only resided in XXXX Il since 1995

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a debt reporting on my credit for a payday loan. I am XXXX, and I am just now learning how to use the internet. I never applied for any loan, and I am disputing the validity of this debt.pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a collection account on Transunion, XXXX and XXXX from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.

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