milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NH).
Issue: Loan modification,collection,foreclosure

Complaint: We have a VA home loan that is in default with Carrington Mortgage Service. We applied for a deed in lieu of foreclosure. We are at the point of getting an appraisal but the mortgage company does not have an agent assigned as a single point of contact managing our case. We have not gotten anything in writing about the deed in lieu process. We do n't know our rights and responsibilities as customers. Carrington has not offered clear communication about our rights and responsibilities as customers participating in their deed in lieu of foreclosure option. There seems to be no accountability in mortgage companies and this seems to be our only recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Yes I have tried to get credit with some companies and was n't able to.They used a hard credit report and put inquiries on my credit report and it has damage my XXXX XXXX I want to challenge all inquiries that 's on my credit report.some have been over two years ago and it 's still there and I want it to be removed from my credit report. I have asked them to remove this stuff off since it has been 2years I pulled my credit report up and inquiries are still there damage my XXXX XXXX. I had a old accounts and inquiries from them is there I feel they have n't been doing what the law requires them to do when it comes to my credit report. I 'm asking for help to reach out and resolve this problem with them.

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 01-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: am not aware about this inquiries I send a letter to the XXXX credit bureau, I try to call the company and no answer ( some of them do not pick up the phone ) : Tansunion XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Coastal Finance Company, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Coastal XXXX I turn the car in so it was not a repo .the sold the car and I got. Check for for what they got over the loan.

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 06/14/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I reporte d Portfolio Recovery bo th here & to the FTC on  XXXX / XXXX /  XXXX  , yet 2 months later, they continue to call constantly anyway. They call daily, sometimes several times a day, using differing phone numbers making blocking these creeps nearly impossible. I have read that this company is a collection agency that fraudulently tries to colle ct debts that are not owed. They purchase accounts that have already been paid, settled or discharged by  bankruptcy and illegally attempt to collect a debt that is not owed to them or anyone. I fully believe this because I DO NOT HAVE  XXXX  SINGLE ACCOUNT PAST DUE! Until recently, I only had  XXXX  very lo w balance credit  card that has NEVER, EVER BEEN LATE, so they HAVE ABSOLUTELY NO CAUSE TO BE CALLING ME! I have repeatedly verbally asked the Portfolio Recovery to stop calling me yet they CONTINUE TO CALL! I have asked nicely and I have told them angrily to stop calling!!! THEY CONTINUE TO IGNORE MY REQUESTS. I dont understand how they continue to get away with this illegal behavior. I will be having  XXXX   XXXX   XXXX  next week. If these phone calls continue and disturb me while I am trying to recuperate, I will BE CONTACTING A LAWYER! I am repeating this complaint to the FTC as well. I do not have an account number to provide and I WILL NOT provide my SSN so these frauds can use it for further illegal activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was a student at XXXX XXXX when it closed without notice. Now AsFg is threatening me altonapy back loans. When I started I was told I needed these loans to cover the cost and then found out during this process that this was not true. I had enough federal funds to cover and then some. They used unlawful tactics to gain access to this money on which I now am being harassed to pay back. The business practices of XXXX XXXX were unprofessional, unethical and sad to say the least. But now we are talking about straight thief and scamming. I do n't feel that I should suffer with debt that was unlawfully gain with lies and deception. I as a student did what I was ask and was honest. I believed tihe lies and trusted that XXXX XXXX stood on integrity. But I know see that the dishonest acts have left me accountable for the actions of this company. I would like this to be filed as a formal complaint and have this invested for full discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To whom this may concern, When i checked my credit report i seen where a debt was reported by national credit services. I filed XXXX disputes with XXXX and did n't receive any verification to prove debt was mines. I had an apartment with XXXX in and had a XXXX incident which resulted in me throwing away thousands of dollars worth of household furniture and my son being XXXX and washing all of our clothes and shoes costing me hundreds of dollars, when i called the office about the incident they informed they would n't compensate for the furniture or the clothes but told me i could terminate the lease but i was still entitled to pay XXXX 2014 rent which i paid. I tried calling collection agency and spoke with XXXX XXXX who advised me the incident had nothing to do with him he just collects the money. I faxed copy of my bank statement and fair credit report act to XXXX and they advised they do n't verify if debt is actually yours with written documentation they just call. i spoke with supervisor from XXXX who didnt call me back. This has been a disaster i am a single dad and this is hindering from getting an apartment. Please Help!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (SD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have applied for a job at XXXX and received a letter in the mail stating I was ineligible for the job due to information in my consumer report. After looking at my consumer report I received in the mail, I noticed the letter contained my twin sister 's name as well and not just mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) XXXX is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (Conventional fixed mortgage) with NEW YORK COMMUNITY BANK (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I requested elimination of the PMI imposed on my property since 2004. The property was bought for XXXX and the lender, New York Community Bank based in XXXX has been denying the removal of the PMI. We sent a check for them to make a re- assessment and they used XXXX 'comparables ' priced at XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX which clearly indicates that the loan to value ratio has increased. In a very suspicious way they used a number called " Quick Sale Value '' of {$490000.00} to again deny the removal and ask us for {$2600.00} to remove the PMI. The numbers they used are arbitrary and had no foundation other than to keep stealing money from us, hard working middle class workers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recover Associates is reporting a collections account on my XXXX, XXXX, and XXXX credit reports. On XXXX/XXXX/XXXX I sent them a letter asking for verification of the debt. They sent a response letter stating that in a previous letter they had asked me for more information but I never sent it. I never before received a letter, email, or phone call from them requesting additional information. On XXXX/XXXX/XXXX I sent another letter requesting verification of the debt, which they responded with a letter saying in a separate letter they sent me a request for information and I never sent it. These are BOLD FACE LIES! They have never attempted to contact me requesting additional information and are using this lie as a means to continue reporting false information, as they have been unable to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: OnXX/XX/XXXX I discovered XXXX XXXX XXXX account number XXXX XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This account was detected to have been deleted betweenXX/XX/XXXX andXX/XX/XXXX from Equifax which I have proof. Also, this account was deleted by the other CRAs ( XXXX and XXXX ) as well and has not been reinserted to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My experience with Navient, formerly XXXX XXXX, is identical to the issues described in the lawsuit that was just brought against them. My payments have changed multiple times, each time increasing and each time I called they would say it was a mistake. I called to try and get a lower payment, and they told me that was all they could do, and then the next month told me I was 3 months behind on payments! I get charged extra fees every month for this supposed late payment, which never happened. I also verbally agreed to have my payment taken out of my bank account each month, and some months they take it out, and other months they do not ( and I DO have money in my account to cover the payment, so it is n't my fault ). The months they do not take it out, they tell me I have to call back when the loan is late ( pass the grace period ) so that they can help me. Lo and behold, when I call back exactly when I was told, they tell me I owe them fees. Every single month they tell me my payment has been made late, and charge me a new fee, but THEY TAKE OUT THE PAYMENTS! I 'm paying so much in fees it 's a joke. Every time I call, there is a different story about why these fees are being charged, despite paying on time every single month. I have n't paid down ANYTHING on these loans in 10 years because of fees and crazy changing payments. I hate Navient and their customer service is horrible and full of lies. Hopefully something can be done, or my credit will be ruined and I will be in debt to them for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I never lived at the adress XXXX claim I had service at it been living in XXXX since 2007 I never moved back XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had my mortgage with XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage to Seterus. I had no prior notification from Seterus about my loan is being transferred. I ca n't make my XX/XX/XXXX payment on the due date because I have no information where to make my payments. I wanted to verify my ending balance with XXXX XXXX XXXX but all of my prior information, including my prior monthly statements are all gone. I was finally able to sign up an online account with Seterus and got a copy of my initial statement. But there is no way I can verify the beginning balances with Seterus are correct. And I realize that they had charged me {$250.00} legal fee to my account. I dont believe its fair for me to pay for any legal expenses on sales transactions between XXXX XXXX XXXX and Seterus. When I called Seterus to complaint, they refuse to refund this {$250.00} legal fee. Instead they gave me a PO box address and told me to write a letter to that address. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint Mortgage took over my loan 6 months ago not by my choice. Ever since then I 've had nothing but problems. I have paid my mortgage and esgrow for 11 years and have been transferred to XXXX diffrent banks without issues. First this company dropped the ball on my insurance info and tried to put me on there insurance than 4 months later I got a statement saying I was XXXX dollars short acording to there Esgrow Anyalis Department they tried raising my monthly payment from XXXX to XXXX a month becuase they estimated my property taxes to go up double that is totally bogus. I have never been that much short ever I 'm a Vetran on a VA loan and I understand taxes and insurance go up but to raise my payment from XXXX to XXXX becuase there analysis department projects that which is completely bogus after talking to my local tax appraisal is XXXX I worked really hard and refinanced to keep my monthly payment low and when I called there bank all I could get is sorry that 's what our analysis department projects. There is no way on a homestead your taxes jump XXXX dollars in 11 years they went up XXXX dollars

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 12/19/2016 about Debt collection (Medical) with Northwest Collectors Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have no knowledge of this debt or the creditor. It is reporting as open on to the credit bureaus and is negatively affecting my credit profile.

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 07/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with TD BANK US HOLDING COMPANY (KS).
Issue: Problem with additional add-on products or services

Complaint: I purchased a phone from XXXX. Since getting the phone, I got my first bill where I was being charged twice for the same phone. I tried contacting both XXXX directly and the credit service they are doing their 2 year financing through, TD Retail Card Services. After almost an entire month they finally took the second charge off. Now they have charged me 2 months in a row a {$27.00} late fee, when I am paying the amount that it says is due {$37.00} on the due date online. It says the amount is processed on that day, and yet they charge me the late fee. They took the first one off but I have n't heard back on the second yet. I think after doing the math, they put the wrong payment due and it should actually be XXXX per month for a 24 month finance plan. But them messing up should not result in me getting charge late fees. I should not have to make up for their mistakes, which is obvious on their end from the amount of trouble I am having. And when I try calling I get put on hold and get the run around as nobody seems able to just give me what I feel should be easy answers. All of these issues should be very straight forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (CT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Again I have the same issue with Navy Federal credit Union with my credit card reporting. I spoke with a representative on XX/XX/2018 and made my payment before XXXX XXXX  as they stated. I asked the representative, and I want the called pulled this time and Navy Federal to listen to it, if my payment was going to post for that day and she assured me that it would. I said okay. When my credit reported it did not show the paid balance. Again Navy Federal told me false information and the representative assured me that the payment would be applied the same day. Now when I receive my payment notice it will say I paid on the XXXX. I don't know why I keep having this issue with this company all of a sudden

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (UT).
Issue: Trouble during payment process

Complaint: I 'm having trouble removing PMI from my mortgage. I have met the conditions that were provided to me by my mortgage company ( 20 % equity based on most recent appraisal as well as not late payments ).
On XX/XX/XXXX I received a letter stating the criteria for removing PMI ( which I meet ) and then they state that they were unable to approve my request because I do not meet the two-year seasoning guidelines. The letter provided no explanation about what this meant. When I called the rep said that I needed to have had the loan for 24 months in order to remove PMI. I 've had the home for three years now and refinanced a little over a year ago. Until my request to remove PMI I had not ever heard of a 24-month requirement in order to remove PMI.
I 'm frustrated with this decision to not remove my PMI. I feel that I 've met all the criteria that were presented to me when I refinanced and when I asked freedom mortgage how to remove PMI. When I asked what I could do they told me that PMI would be removed in XX/XX/XXXX. I find this unacceptable and deceiving.

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 09-05-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried to access my Experian report online and they have blocked me. I recently declared bankruptcy and need to make sure that all my items are reporting correctly and I can not. They do not let me access it at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a voicemail on XXXX/XXXX/15 from someone named XXXX from XXXX XXXX XXXX at XXXX stating that they never heard back from me & that they will be calling my job tomorrow. They contacted my job the next morning without my consent & threatening me on the phone that they have my ss # & will verify my pay to garnish my wages! I told her she is not allowed to call me at work & she kept blabbing on then hung up on me. I contact XXXX from XXXX XXXX XXXX @ XXXX to let her know not to contact my work and that I have rights, she proceeded to say that she will call to verify my pay they have me recorded and that I should pay my bills then hung up.Again she made threats and not once in that conversation did she mention that I was on a recorded line.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was behind by over a year in payments and was not even aware this had happened. I called Navient to explain to them that I was unable to pay what they were wanting every month and if I had any options in lowering the payment or even a forebearance. I was hung up on. 

I tried again a month later and the best they could do is a temporary forebearance. So I took it. Now my income driven plan is ending so I called to discuss renewing it. I make the same amount of money as last year and was told that I was n't eligible and again I was hung up on. With XXXX dependents with major health issues and a stagnant income I ca n't afford full payments. I need help

Company response to consumer: Closed with explanation