milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed from my credit report.

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 10-04-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: First of all good morning and thank you for taking the time to help me. My issue is with Ocwen, who is a debt collector, supposedly working on behalf of a XXXX XXXX. I know with certainty the product is not regarding a mortgage, though that is what I have been led to believe all along, so am choosing the " mortgage '' option as a default. The product sold to me is more like an installment loan with patents, copyrights and trademarks behind it but that is not what my complaint today is about. 

Regardless of what the underlying instrument actually is on the " mortgage '' account in question, I, a woman, have been trying in good faith to settle the account for quite some time now. Not only is this debt collector engaging in unfair and deceptive business practices, but they also leaked an internal email to me clearly showing collusion and collaboration among their employees and outside counsel. I made a monetary offer to settle and the internal employees ganged together saying this would not be an option and the account in question would accelerate to foreclosure if I did not accept the unsolicited modification they offered me - is n't that like the XXXX asking for a protection payment or something? Sure, the world of debt collection is a dicey proposition but this seems to reach above and beyond fair debt practices. 

I am a reasonable woman, looking for a reasonable solution. I am not interested in more chicanery and deceit with Ocwen or its affiliates. 

I am also attaching a letter from an independent auditor regarding the instrument in question. This may or may not be useful in your investigation of this matter. 

Thank you for your time. I really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Good evening, I 've been paying my private student loans to Navient, formerly XXXX XXXX, on time every month for two years using autopay in order to participate in a reduce interest rate program. I 've never missed a payment or called to defer payments. I recently received tax bills ( XXXX old, XXXX from an amended return for this year ) and it 's going to take a considerable portion of my disposable income over the next couple of months to pay these bills. I called Navient yesterday afternoon to ask for a two month suspension of payments while I handled my tax obligations. 

The representative on the phone told me that since my loans were private, there were no options available. No forbearance. No deferments. I advised her of my situation and she understood that my obligations to the IRS and State were of priority, but stated that their hands were tied. I was forced to cancel my autopay indefinitely in order to prioritize the payment of these unexpected expenses. The representative on the phone advised me that in doing so, I was terminating my enrollment in this reduced rate program, would be ineligible to re-enter the program for a year, and that I would be put in default almost immediately after missing the first payment since these loans were private. 

I honestly just wanted a little flexibility in my payment terms while I took care of these tax bills and they have refused to help. I 'm now looking at missing my first payment ( and going into their proclaimed automatic default ) on the XX/XX/XXXX. 

It 's ludicrous to say " we ca n't help you '' when I 'm making a XXXX dollar per month payment ( 75 percent of which goes to interest alone ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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: In XXXX XXXX The city of XXXX XXXX had a major hailstorm that caused damage to many of my possessions, one car was beyond repair and I needed to replace it. When I went to replace it, I found that my credit report had been given negative reports by a bank, XXXX. I had had many conversations with this bank, as it is online only, and my daughter had a truck on a loan through them. The bank was impossible to deal with as most of their help did not speak English well. I was never given any alerts or notifications of late payments, but they said two were late. These were paid and I moved the loan to XXXX XXXX to get better service and a better interest rate for my daughter. I also had to replace another car. I managed to get this done with a decent rate and payment. But now over a year later my credit is still the same and nothing has changed and Transunion and XXXX are impossible to deal with, there is absolutely nothing wrong with my credit, I have zero issues and my credit uses are well within acceptable levels but these two companies are like slave owners, as a citizen of America, it should be illegal for them to give a person a rating with no real justification for it, and no deep explanation of the reason, they need to be responsible for their actions and how they affect people. I had to acquire a car through no fault of my own yet I am still paying for it in a less than stellar credit rating by corrupt businesses that can not explain or correct their wrong doings. I am tired of being chained by two companies that are in the business of selling peoples lives - it is modern slavery and the government needs to put an end to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contatced DISCOVER Card a total of 15 times either by phone or mail since XX/XX/XXXX when the first DISCOVER Card account was open then in XX/XX/XXXX another DISCOVER Card account was opened. I have made numerous attempts to get this cleared up and removed from my XXXX credit report. Neither XXXX  or DISCOVER has tried to assist me or tell me what I need to do on my end to get this resolved. I keep receiving letters from DISCOVER staing they will not review. I feel like I am being singled out by a company that I have never dealt with my identity was stolen in XX/XX/XXXX. I have sent them a copy of my police report that didn't make a difference either.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (Medical debt) with Professional Adjustment Corp. of S.W. FL., Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX I have contacted and asked for proof of accounts and got no results. I told them If they couldnt prove me documentation I would like it to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 90 day late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Consumer Loan (Vehicle loan) with Larry H. Miller Group of Companies (AZ).
Issue: Taking out the loan or lease

Complaint: I had originally requested an investigation of XXXX XXXX in regards to their illegal vehicle repossession. Now moving forward and struggling to recover from their deceptive tactics, I had requested for Larry H Miller XXXX XXXX to send the original signing of the credit pull they had done before signing any agreement with them. In doing this I noticed that they had doubled my income on the statement. This I was unaware of at time of signing. I was making roughly XXXX biweekly at the time, I noticed they had filled in XXXX biweekly. This allowed them to grant me the unfair loan they had issued.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Financial began foreclosure proceedings against my home XX/XX/XXXX. By working with a local housing counselor, XX/XX/XXXX Wells Fargo agreed to let us conduct a " short sale '' on the property. We contracted with a real estate agent and they began showing the property in XX/XX/XXXX. By XX/XX/XXXX we had a buyer and had signed a contract for the sale, to be done in XX/XX/XXXX if approved by Wells Fargo. I got a letter near the end of XX/XX/XXXX telling me my new " single point of contact '' was XXXX XXXX. I called XXXX to see how Wells Fargo was progressing on their decision about the sale. She did n't have that information, but said she would get back to me. On XX/XX/XXXX, XXXX called to tell me that Wells Fargo was going to put our account under " the consent order review to see if they could get us enough money to repay our arrears and save our home. '' I told XXXX we had already been denied monies under the " consent order '' but go ahead and see. I called XXXX back 2 days later and told her we had cancelled the contract for sale since Wells Fargo was trying to save our home. She told me she did n't know what I was talking about because she had never said that. In late XXXX I was notified that Wells Fargo had sold the loan to the XXXX Master Participation Trust, to be serviced by XXXX XXXX XXXX. Wells Fargo then proceeded to foreclosure, the sale was held XX/XX/XXXX and they bid {$210000.00} on the home. That bid more than covered our debt, so no shortage was charged back to us. Finally in XX/XX/XXXX, Wells Fargo admitted they had promised to save our home, after lying to me for 6 months. I have their admission recorded. They say they owe us nothing, even though I have requested at least {$10000.00} in relocation ( as promised during the short sale ) or I want my house back, like they said they 'd do in the first place. They say they will have an answer for me by XX/XX/XXXX, but I 've heard that song and dance for over a month now. My husband and I are still living in the house. However, the XXXX Trust had also hired the law firm of XXXX and XXXX to foreclose on the same property in the amount of {$250000.00}. I do n't know where they got that figure. XXXX and XXXX was the foreclosing attorney for Wells Fargo as well. But today the law firm said the file had been closed. I was surprised it was opened in the first place. Did n't they know they had already foreclosed on my house? All of this is on top of questions I have about how much we actually owed them. I had requested a print out of all account activity and it was full of charges as low as {$15.00} to as high as {$500.00} for " inspection fees, '' " administration fees, '', etc. that they insisted were being charged sometimes every week.

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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I disputed an incorrect account belonging to XXXX XXXX on my credit file. Equifax credit reporting agency deleted the account but reinserted it onto my report without notification. By law I am required to be notified within five days of a negative item being reinserted onto my credit file. On the attached files, I 've included photo proof showing the account was deleted from my credit file. As well as proof of the account beign reinserted onto my file.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Other debt) with The CBE Group, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted the company via certified mail and asked to have this validated. They were unable to provide any documentation or contracts that link this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AZ).
Issue: Managing the loan or lease

Complaint: I cosigned a car loan for my daughter in XXXX, 2015. The first payment was due in XXXX, which my daughter paid by money order. However, the bank, Ally Bank said they never got the payment, even though my daughter sent the check certified mail, return receipt, which we have. We have sent them copies of the money order and of the certified mail receipt several times. We faxed them documents showing we had purchased a money order and that they had received it, but they refuse to acknowledge our letters. We have not missed any payments, but they say that we owe them over {$3000.00} in late fees.. I can furnish copies of canceled checks and certified mail receipts. I have retained an attorney here in XXXX, who has also sent them letters and copies of canceled checks and receipts, but as before, Ally Bank refuses to acknowledge this evidence of payment. Unfortunately, my attorney is reluctant to pursue the matter in court. Is there anything that can be done to fight Ally Bank? From what I have researched, this organization has had several judgments against them for corrupt business practices. How can they still be in business? I do n't have any documents in digital form that I can attach. I will call to get more information.

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 11/20/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Incorrect information on your report

Complaint: I applied for and was approved for a trial loan modification in XXXX XXXX with Ocwen Financial. I have made every modification payment on time in full. The Trial Modification ended In XXXX XXXX when I was approved for a permanent modification. I pulled my credit report and found that Ocwen has been reporting my mortgage as late every month since XXXX XXXX. I contacted Ocwen and tried to resolve this issue and was told that according to the agreement that I signed that they would report the mortgage as late. I went over the agreement with them and the credit reporting section states that " if the loan was in default at the time of the modification that they would continue to report it as late ''. I was not in default at the time of the modification. All of my prior mortgage payments were paid on time and in full. I was then told that XXXX payment was not received. I explained that when I went on line to make the XXXX payment that the new Modified payment amount was the only payment option available and they changed the payment due date to reflect the trial modification that I was approved for. I made that payment. I was then told that during the Trial modification that the full contractual payment had not been paid, only the modified amount and they are referring back to the original loan payment amount. This is an unfair predatory lending practice due to the fact that I signed a new contractual obligation during the Trial Modification and they should honor the new agreement they made with me as Payment in Full during the Trial Modification period. Also I was not informed at any time prior to or during the trial Modification that the mortgage payments I was making would be reported as late every month. I would not have opted for a loan modification. I was not having trouble making my mortgage payments. In XXXX I contacted Ocwen to try and see if they could offer me a reduced Annual Percentage Rate and the option that was offered to me was a Loan Modification. I have filed a dispute with all three credit bureaus and the response was that my credit account has been updated. Not changed. The unwarranted lates are still reflecting on my credit reports. I am currently in a real estate transaction. I have a pending offer on a house I wish to purchase to expand my business and I can not get approved for funding due to the erroneous information that Ocwen has been reporting. They have completely destroyed my credit. Any help you can offer would be greatly appreciated as time is of the essence. I have a XXXX XXXX XXXX!!! Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Called   XXXX   for report #  XXXX  in reference to incorrect inquiries on my credit report. I spoke with  XXXX  and he could not help. I requested a supervisor and they refused to help. Incorrect inquiries listed below :  XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/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 07/19/2016 about Student loan (Federal student loan servicing) with National Enterprise Systems, Inc. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: National Enterprise Systems is attempting to collect on my student loans while they are in the process of being forgiven. NES is also adding an XXXX $ collection fee. I have also filed a complaint against XXXX collection agency who is attempting the same thing. That case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello my name is XXXX XXXX. I am a senior citizen. I do n't recall ever applying for any credit accounts. I recently pulled my credit and noticed several errors on my credit profile. I have not authorized anyone to apply for any new credit for more than 20 years. I 've contacted the following three bureau ( XXXX, Experian, XXXX ) to inform them that I have several errors on my credit report. I 've contacted all three bureau 90 days ago to resolve this matter but it seem that this matter is n't important. I 've mailed off certified letters, police report and more. My lawyer will be sending you a letter concerning a civil lawsuit. 1. XXXX 2. Experian 3. XXXX 4. XXXX 5. XXXX XXXX 6. 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I disputed inaccurate information with Experian XXXX/XXXX/2015 stating the dates of last { DLA } activity on account is wrong.XXXX is reporting inaccurate information, I have provided you with a copies of Experian credit report, They said the account open XX/XX/XXXX- XX/XX/XXXX first reported there 's is a 3 years gape in reporting information 's. XXXX XXXX blatantly violating federal Law and miss-representing the Date of last Activity

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Creditor ( XXXX/XXXX ) continues to report past due payment although payments are managed by XXXX at a fixed monthly amount that creditor agreed to at initial contract. Previous dispute was not resolved and incorrect information has not been removed. It is not accurate, fair or ethical to claim a past due amount when that was n't the agreed upon monthly payment.

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