milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received the debt collection letter without evidence that it belongs to myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been a victim of identity theft my credit file is currently in the Office of Consumer Affairs as Equifax calls it I spoke with a gentleman today by the name of  XXXX  who refused to follow up on my identity theft disputes and I have sent them documentation well over 15 times credit file has split and he hung up on me and refused to assist me this is affecting my life. And Equifax Office of Consumer Affairs is a joke another way to make money off of using erroneous and incorrect information that reports to the file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I need assistance with my mortgage company Ocwen Loan Servicing. I am a XXXX XXXX XXXX veteran and a resident of Georgia. I have been paying my mortgage by automatic bank draft ( XXXX XXXX XXXX XXXX ) for over XXXX years now However, Ocwen is saying they have not received payments from me and are threatening foreclosure. I have attached a copy of my payment history which shows that I have been making payments. Also I am unable to file my taxes because they have not listed the correct amount of interest I paid on my loan. I have included the loan number for your information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX Bank of America, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX banks sent an inquiry for a loan and I already purchased one on XX/XX/XXXX. I dont know why these banks would ask for my credit report a week after I already bought a car from XXXX XXXX in XXXX XXXX GA. I did not authorize this to be on my credit report and I want to know why they are on my credit report a week later.

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 06-03-2016 about Debt collection (Credit card) with Northstar Location Services, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The agency contacts me every other day in regards to my debt. This results in multiple calls a week. The agency always leaves a voicemail. I contacted the agency by phone and told them that I would contact them again once I had taken care of a death in the family, yet they continue to call every day since and it has only been a week and a half and I told them 3 weeks.

Company response to consumer: Closed
Consumer complaint received 06-08-2017 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: Public record information inaccurate

Complaint: On  XXXX   XXXX ,  XXXX , a federal tax lien in the amount of {$16000.00} was filed at the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . The lien was satisfied and then released on  XXXX   XXXX ,  XXXX . The lien was later withdrawn on  XXXX   XXXX ,  XXXX .     Equifax is still showing this lien on my credit report. On  XXXX   XXXX ,  XXXX , I filed a dispute at Equifax and sent them both the Certificate of Release o f Federal Tax Lien AN D the Withdrawal of Filed Notice of  Federal Tax Lien after R elease from the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I was told that this information was provided and verified to be accurate by a third party -  XXXX . No change was made to my credit report.     I contacted  XXXX  and provided them with the same court documentation showing that the lien has been released and has also been withdrawn.  XXXX  filed a dispute with Equifax on my behalf ; however, once again I received a results letter stating the lien was accurate as reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XXXX XXXX, I graduated from school and initiated an income-driven repayment plan with XXXX XXXX, now Navient. I made IDR payments monthly and on time from XXXX XXXX through XXXX of XXXX. I XXXX XXXX I requested an internship/residency forbearance to start in XXXX of XXXX through XXXX of XXXX, when I graduated residency and resumed income-driven payments. My XXXX of XXXX loans were then transferred to XXXX in XXXX of XXXX due to my qualifying for the public service loan forgiveness program. 

Navient has inexplicably recorded that I was in forbearance from the start of my residency in XXXX XXXX, in spite of the fact that I was in an income-driven repayment plan from XXXX through XXXX and made all payments on time. I would not have requested a forbearance to cover a time period that I had already made payments. I have spent countless hours on the phone with Navient customer service who will, on the phone, state understanding of my dispute and that they will fix it, but then when I call back it turns out that the request has been 'denied ' by unknown individuals. I never receive any written notice of this denial, I am forced to call and wait on hold ( at times for up to XXXX hours! ) to speak to an individual. 

Because their records, provided to XXXX, incorrectly state that I was in forbearance form XXXX through XXXX, I have approximately XXXX years of payments that should have qualifying PSLF payments that are not being counted. 

They also have refused to provide me with any direct phone number to their department. Their automated phone number apparently rejects my phone calls and transfers me to an offshore federal loan servicing department that then has to transfer me back to XXXX of XXXX. The reason stated for this is that my loans are no longer 'active ' with them so I am not allowed to call their customer service line. Needless to say, this has wasted hours of my time trying to get the people on the line to deal with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XX/XX/XXXX, I asked the IRS to grant a withdrawal of Federal Tax lien. I received confirmation of withdrawal on XX/XX/XXXX. A week ago on XX/XX/XXXX, I obtained from the court 's clerk a copy of the recorded IRS form XXXX " Withdrawal of Filed Notice of Federal Tax Lien after Release ''. The form has the stamps that it was recorded by the clerk for the superior court of XXXX XXXX, GA on XX/XX/XXXX. On Monday night XX/XX/XXXX, I filed an online dispute with Equifax asking they remove the public record of this IRS tax lien and I uploaded the above recorded form of withdrawal as proof that this tax lien was withdrawn. Today, Equifax sent an email that they had investigated and confirmed the original tax lien of XX/XX/XXXX, and would do nothing further. Therefore they are refusing to update my credit report by deleting this public record.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The Equifax credit bureau failed to provide me with a proper investigation as well as provide me with physical proof ( documentation ) that the account I disputed was my account. I did not receive documentation supporting this reporting within 30 days. Under Sectio n 611 ( 5 ) ( A ) of the FCRA- t hey are required to " ... promptly delete all information that can not be verified '' that I have disputed.     Please resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CT).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXX at XXXX eastern time I contacted USAA customer service, in regards to a Visa credit card that my current husband in XX/XX/XXXX opened as a single applicant. We were married XX/XX/XXXX and now separated due to legal issues. I called to cancel my card believing that I was an authorized user, but the representative told me that I was added as a joint account holder in XX/XX/XXXX. I remember calling the credit card company for an issue regarding some form of inaccurate charge for my XXXX XXXX  XXXX veteran boyfriend at the time and the representative mentioning they needed to get verification from him to discuss his account with me. I either 3 way called or he was sitting next to me to authorize permission and he also told them he give me permission to speak on his behalf regarding any other future question or issues I should have. I also, do this for my parents accounts and doctors because they do n't speak english well, so I did n't think by doing so that I 'd be liable for his debt. I would never agree to be a joint account holder because he has a XXXX that makes him not have any XXXX XXXX. This makes him make thoughtless purchases and gets him in the trouble he is in now. According to the 5 different agents in different departments told me at that time I gave verbal consent to be a joint account holder, but they use different terminology that made me think I was an authorized person to speak on his behalf. I asked multiple agents to send some form of evidence of myself agreeing to this because if I did I was unaware that I was accepting debt liability. I never signed or knowingly agreed to be liable to his already opened credit card. The agents just kept saying that I agreed over the phone and we are in default and I needed to make payments. I asked to speak to someone who can give me some form of documents or evidence that I agreed to the debt liability and they either hung up the phone on me or kept switching to different department and said they would n't give me any additional information and their was n't anyone who could help answer my questions. I then the day after I found a USAA blog after going through an enormous amount of research and XXXX and decided to post my question there. They basically said the same thing and when I posted again with more detail to ask for help, the company blocked me from the blog. I really do n't know what to do and need help.

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 01/22/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Macy 's fraud department notified me on XXXX XXXX regarding potential fraud on the american express portion of my Macy 's card. This was removed from my account in a timely manner. On the Macy 's portion of the card, they did not review for fraud but I found the fraudulent charges on the same day. Since my initial paper work for this fraud, I have had to call monthly to get this cleared from my account. As of today, it has not been removed.

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 monetary relief
Consumer complaint received 07/19/2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On this date of XXXX XXXX, XXXX I received an alert from my credit monitoring stating that a collection account was added to my credit report. Upon reviewing my credit report, STELLAR RECOVERY INC. added this fraudulent account on my credit report again without sending me ANY notification. This account has NOT been validated after numerous written request. I file a complaint with the Consumer Financial Protection Bureau XXXX XXXX, XXXX complaint # XXXX in this complaint STELLAR RECOVERY INC stated that they will delete this account ; XXXX XXXX # XXXX, which they did comply. Since then- STELLAR RECOVERY INC HAS NOT CONTACTED ME VIA ANY METHOD nor have they sent me a signed contract as requested. They have not validated this alleged debt and for this company to reinsert is alleged debt back on to my credit report is a direct violation of the Fair Credit Reporting act, Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) and Maryland Fair Debt Collection Practices Act, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In the end of XXXX I sent in a request for several accounts to be corrected. These accounts to this day are not being reported correctly and actually at this point should be deleted due to how it is being reported on my credit file. I have disputed how the information is listed on my credit file with both Experian and XXXX. Both of these CRA have not corrected the issue and yet allowed one of the companies to continue to update a closed account. XXXX XXXX and XXXX XXXX has been disputed greater than 30 days ago and by law, they are not marked as 'disputed by consumer ' which is in violation of CRA reporting. As you see listed in the attached documents, all the other disputed items are remarked as 'disputed by consumer '.

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 12/15/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Several months ago I provided the Short Sales Dept at Ocwen Financial Services, with an authorization for Attorney XXXX XXXX/Assistant who are handling my Short Sales process. Ocwen approved the Short Sales and I have a Buyer who 's approved and ready to close ; but to my dismay due to the negligence of the Relationship Manager ( XXXX ) assigned to my file, I 'm in the verge of losing my Home to Foreclosure. Both the attorney 's assistant and I have been trying relentlessly to contact XXXX XXXX ( Relationship Manager ) in order to obtain a scheduled BPO ; which is the only thing missing for the closing and despite are continuous efforts to call him, he does not return our calls. Due to this I 'm getting very close to the date scheduled for the Foreclosure Sale of my home. In light of this, both the assistant and I have also tried contacting the Director of the Short Sales Department, but every time her and I have called the Customer Service Department, the Representatives have refused to provide us with his contact information. In light of the fact, that they refuse to provide us with his contact information, we 've requested that he contact me or her, but again to my dismay without success. I recently sent a letter to their Headquarters located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, in attention to XXXX XXXX XXXX ( President of Ocwen Mortgage Services ). In this letter, I provided specific details of my ordeal and I asked for his intervention, in order to prevent the possibility of losing my home to Foreclosure only because of the negligence of the individual assigned to process my file. Now I 'm filing this complaint hoping that, I can get a positive outcome and not lose my home to Foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX COLLECTION BOUGHT FROM XXXX XXXX ONE ACCOUNT IN MY NAME. THE ORIGINAL AMOUNT OWN IN THIS ACCOUNT WAS {$2500.00}. XXXX NEVER GIVE ME CREDIT FOR THE 16 MONTHLY PAYMENT. XXXX CONTINUE TO REPORT TO THE CREDIT REPORTING AGENCIES THE AMOUNT OF XXXX. FIRST MISSED PAYMENT WAS IN XXXX. XXXX XXXX XXXX IN VIOLATION OF THE FAIR CREDIT REPORTING ACT IS RE-AGING THIS ACCOUNT TO A LATER DATE XXXX XXXX, XXXX. IN ADDITION XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY REPORTING ADDITIONAL XXXX FOR A TOTAL AMOUNT OF XXXX. I FOUND THE FOLLOWING INFORMATION IN THE FEDERAL TRADE COMMISSION WEBSITE, PREVENT RE-AGING ( INACCURATELY CHANGING THE DATE OF THE FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE ) AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING XXXX XXXX OR SALES, MERGERS, AND OTHER TRANFERS. BOTH COMPANY XXXX XXXX XXXX AND XXXX XXXX ARE REPORTING THE SAME ACCOUNT WHICH IS A DUPLICATE ACCOUNT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BOTH ACCOUNT ARE MAKING A BIG IMPACT IN MY CREDIT REPORT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION ...

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Money was not available when promised

Complaint: Paypal has limited my account and would not allow me to access my OWN money for 180 days. All I did was transfer {$800.00} to my other account and they decided to do this to me. I no longer wish to use Paypal and would just like my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: After I spoke to a rude customer service representative, which is not the first time. I was told that my transaction where not used as debit therefore the posting time will take longer time and overdraft fee will be charged on my account. I checked my account every day on my mobile device ; I feel that there is unfair that as customer there is not way how this fees where charged online. I checked and find that my transactions where all used as debit transaction which according to the information given are faster in process. I do n't understand how come due to a holidays when the bank information was accurate according to the online monitoring in one day {$240.00} was charged. I am currently encountering financial problems and soon the business will be closing. I do n't have funds to loose in overdraft fees. I called, I went the branch and the information given is never accurate. I need this matter to be escalating to a supervisor because I feel that I resentful by this bank, which just charge a lot of hiding fees. I think I should deserve a reimbursement because there is no detail information in which customer can understand how those fee are assessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/27/2016 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Account opening, closing, or management

Complaint: I am a XXXX military Veteran trying to open an account with Navy Federal Credit Union. As per their email I received they requested identifying documents, which, as per their email, was sent to them. Every document, except my state drivers license, was not accepted, even though every document sent to them was in the list in the email from their Security Operations section! I sent my most recent Federal tax return ( not accepted ) ; my XXXX rental verification document ( not accepted ) ; etc. I called and the customer service agent said even though the documents requested were in the credit union 's emails to me - they were not accepted! He could not explain why they would ask for said documents and then reject them. I have included their original email asking for the documents in question : Thank you for sending in your requested document needed ; however, the driver 's license attached is too small for us to accept ( Send a larger photo ). In addition, the proof of address was not accepted ( Full document from list below ). Please resend your full and clear copy of your government issued photo ID and a different proof of address than attached that you used to open your account from the list below. You may send a clearer copy via email to XXXXXXXXXXXX. 
Acceptable Primary IDs Driver 's License XXXX Citizen ID card Passport Permanent Resident Alien card Acceptable Proof of Addresses Voter 's Registration Card Paystub within the past 2 months Vehicle Registration Insurance Documents Bank Statement within the past 2 months Local/State/Federal tax documents Utility Bill within the last 2 months ( water, gas, electric, trash ) IRS XXXX from the most recent year Security Operations Navy Federal Credit Union XXXX XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Vehicle loan or lease (Lease) with VW Credit (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2016, my wife and I went to Volkswagen of XXXX XXXX to get details regarding the leasing of a VW Tiguan. Before we leased the vehicle, I asked the sales representative if there would be any hard inquiries on my credit, and he said that there would not be any. Since we were leasing the car, he stated, there would not be the same type of hard inquiry you would get if you bought the vehicle outright. Today I performed my bi-annual check on my credit score and noticed a total of two hard inquiries ; one from Volkswagen of XXXX XXXX and one from VW Credit. These hard inquiries were neither authorized nor discussed while at Volkswagen of XXXX XXXX. As such we would like these two hard inquiries removed, as we did not even end up leasing the vehicle at the end of the negotiation process.

Company response to consumer: Closed with explanation