milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt does not belong to me. Belongs to my ex husband. This debt collection agency has repeatedly reported and validated to all XXXX bureaus regarding an old utility debt. They have refused to provide any documentation to me, to validate that this account is mine.

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 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My mortgage note was recently sold from XXXX to Carrington Mortgage as my new loan servicer. I incur a late penalty fee due paying on the last possible day of the grace period which I 'm comfortable with and have been paying for the past several months. Recently however, Carrington has begun charging a " {$5.00} convenience fee '' which I was not fond of because they did not originally charge this fee for payments made through their website. In lieu of making payments through their website, I decided to set them up through online bill pay from my XXXX checking account in order to avoid the {$60.00} annual fee. I had the payment scheduled for XX/XX/XXXX in order to give it a couple of extra days to clear on their end. The funds were not disbursed because my available balance was {$830.00} and funds required to pay my mortgage were {$830.00} ( short by XXXX cents ). I immediately processed an external transfer of {$10.00} from another checking account of mine to assist in covering the payment. By the time the funds were deposited ( 48 hour turnaround ), monies were disbursed on XX/XX/XXXX to Carrington Mortgage. Since the payment was not applied until XX/XX/XXXX by Carrington, they have now reported me to the credit bureaus and I have suffered a substantial credit hit. My FICO score that I have worked extremely hard in maintaining excellence ( nearly XXXX points for many years ) has now dropped severely and this is all due to being short by XXXX and also wanting to avoid an unnecessary {$5.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with First Data Corporation (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2017 I cashed a check at XXXX XXXX XXXX in XXXX RI for {$300.00}. This transaction had a {$15.00} fee which I agreed to pay for a total of {$310.00}.
However, the check cashing company, Telecheck Services Inc. XXXX XXXX XXXX, XXXX XXXX Tx overcharged me and debited {$330.00} cents from my checking account at XXXX XXXX XXXX. When I noticed this extra, unauthorized charge of {$15.00} I contacted my bank and asked to withhold that {$15.00} from the payment to Telecheck. The bank reviewed the transaction, and stopped/withdrew the WHOLE payment of {$330.00} until the transaction is corrected. Meantime, I have been contacted by a collection agency for Telecheck demanding full payment of {$330.00} and refusing to correct the problem. My multiple attempts to resolve this issue ( calling XXXX XXXX and Telecheck ) are not being addressed. XXXX XXXX referred me to Telecheck and there I am not assisted at all ; the call goes to XXXX where the customer service agent " XXXX '' i.d . XXXX was incapable of understanding that this was a mistake I wanted to resolve and when I requested to speak with a supervisor refused to transfer me to a supervisor or anyone else and to provide me with a corporate address for a complaint. This individual issue also raises the possibility that this company is making many " mistakes '' to their customers transactions and possibly illegally profiting by them. Please assist in resolving this issue and review their number of accounting " mistakes '' that always are in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (CT).
Issue: Using a debit or ATM card

Complaint: An ATM claim was filed with my bank, TD Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from TD Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX XXXX in XXXX XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XXXX XXXX to the tenth of 2015. I explained to TD Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at Venue Driver as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to TD Bank. They have a complaint with the XXXX as well as XXXX Attorney General 's office, both unresolved. I called TD Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise TD Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund. TD Bank recently replied again denying further inquiry into dispute, did not provide any new information as they have nothing to show any email received by myself. The information they have shown thus far is merely an email was supposedly sent but not received with item or product. Again, I wish to reiterate I was not in XXXX to attend any such event and would not purchase tickets for something I can not go to. Please do not mark this as duplicate, there is additional information contained.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverwalk Financial Corporation (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  " reaged '' an existing debt I had with  XXXX  on a repossessed vehicle. They are showing that the repossession happened this year when it was in fact years ago. I have had no contact with this company, nor have I agreed to pay anything towards this debt so the account legally can not have the clock restarted, so to speak.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is a complaint from XXXX XXXX against Credit Collection Services for Credit Collection Services failure to provide requested information for the debt alleged. On XX/XX/XXXX, XXXX ( consumer ), received a demand letter from creditor, Credit Collection Services. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 1 month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCB MANAGEMENT SERVICES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: NCB management services is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but NCB management insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked NCB if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is XXXX hard hits on my credit file that I did not authorize. I did not request the compan 's to pull my files. I disputed this with equfax they state they looked into it but that it 's public record so it remains. I contacted the companies and there response has been thay do not have any info on it but it might or might not have been done but it 's equfax that reporting it so it 's equfax I have to deal with. Equfax refuses to do anything about the matter and because it 's on my credit file it hurts my credit rating. They are playing games and Equfax can not prove that I requested credit from these company 's.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: AGAIN, I am complaining about OCWEN. They STILL HAVE NOT UPDATED MY XXXX OR XXXX to reflect that I paid as agreed, they updated XXXX because I filed an XXXX dispute TWICE!! I also Sent XXXX Proof of Paid in FULL on my mortgage and It is STILL NOT Updated that the mortgage was Paid in full!!!!!! They got the money XXXX/XXXX/16 ... Over 30 days ago! I also requested an audit of my payments since I was forced to send the XXXX EXTRA at closing for escrow, No DETAIL What that is for! I paid 2016 portion of Prop taxes AT closing, I PAY home owners insurance Out of Pocket ( Renewed XXXX XXXX, so it should NOT be for that ) Where is THAT Money?? What is it for?? I paid over {$2000.00} EXTRA in XXXX AND in XXXX And extra in XXXX ... .WHERE IS MY MONEY?? WHERE IS MY INFORMATION??? They FORCED me to sell with FALSE foreclosure warnings and Mis application of funds ... .I WANT ANSWERS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XX/XX/XXXX I have send a letter regarding this account. Under the Fair Credit Reporting Act, you must Change the status of the loan modification accounts. 

This account was a loan modification that was done XX/XX/XXXX not in XX/XX/XXXX and it was close in XX/XX/XXXX not in XX/XX/XXXX. For that reason this XXXX account should be remove from my credit report. A loan modification does not take 9 years to process. 

You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the 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 10-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: When my private loans when to navient for repayment, the company would not work with me for affordable repayment plans. Therefore, since I could not make the payments that they required XXXX $ XXXX monthly ) they sent my account to a credit collection agency. Therefore, my loans are now in default and report badly on my credit history and I am struggling to come back from that. I will not be able to afford buy a new home, let alone a new car, even though for years I have made on time payments to the collection agency for my student loans. Navient was unwilling to work with me to lower my payments to an affordable rate and told me in order to afford payments to sell my car, disconnect my cable and to get another job in order to make my payments. They made harassing calls to me over a dozen times a day and left me no choice but to take the option of allowing the loans to fall into collections so that I could get a more affordable payment plan. Now I am stuck with bad marks on my credit since XXXX and unable to come back from this. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Reverse mortgage) with Live Well Financial, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I obtained a reverse mortgage from XXXX XXXX in XXXX XXXX. 
The mortgage was assigned to Livewell Financial ( 'Livewell ' ). In XX/XX/XXXX, I entered into an agreement with the City of XXXX, PA to pay my real estate taxes in equal monthly payments in accordance with the City 's real estate installment payment plan available to senior citizens. After I had paid over {$1000.00} in real estate taxes in accordance with my agreement with the City, Livewell refused to recognize the validity of my agreement with the City of XXXX, paid the balance owed, and demanded that I reimburse Livewell or be declared in default. I reimbursed Livewell for the taxes for XX/XX/XXXX, but Livewell rejected my payment, and declared that I was in default of the terms of the mortgage agreement. In XXXX, real estate taxes are not due until XXXX XXXX of the year taxes are due. 
If taxes are paid early, taxpayers receive a discount on the total due. 
After rejecting my reimbursement of the taxes paid for XX/XX/XXXX, In XXXX XXXX, Livewell paid my real estate taxes, one month before the taxes were due, in order to take advantage of the discount offered by the City, then in XXXX XXXX Livewell filed a mortgage foreclosure action against me, claiming that Ihad defaulted under the terms of the mortgage. 
Livewell repeated the same practice in XXXX - Livewell again paid the taxes one month in advance of the due date and again declared that I was in default under the terms of the mortgage. In an effort to avoid foreclosure, I obtained legal counsel and we have been attempting to work out a repayment plan with Livewell. To date, Livewell has refused to negotiate in good faith to settle this lawsuit. Livewell has rejected no less than XXXX repayment plans I have submitted over the past year, without making a reasonable repayment plan according to my income. I am a XXXX receiving social security and income from a part time job of approximately XXXX per month. 
My sister, XXXX, who is XXXX years old, lives with me, contributes to the household expenses and maintenance. She has an equitable interest in our home, she is my next of kin and under Pennsylvania law, my only heir. Livewell 's unethical, predatory practices have not only placed me in jeopardy of losing my home, it has jeopardized my sister 's right to inherit the property if I were to predecease her. I am requesting that the CFPB intervene to protect seniors such as myself and my sister from the predatory practices of Livewell Financial and other mortgage lenders and servicers like Livewell.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo did not inform me that they were transferring my loan to XXXX XXXX due to a reason I still do n't know about that involved changing the holder of the deed to XXXX, XXXX ... .. 
I was instructed to only deal with XXXX after XXXX XXXX, 2016 and then Wells Fargo sends me a letter on XXXX XXXX, 2016 that states to deal with Wells Fargo. I am repeatedly given conflicting documents and information that instruct me to do the wrong thing. ( see the other XXXX complaints that I have done with CFPB, that are only a few of what I need answers for and have not been given )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There are XXXX accounts on my credit report which TransUnion is improperly reporting The first is a XXXX account which was good and in solid standing, Transunion somehow merged my credit report with another XXXX. 
This XXXX filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. Because TransUnion added this bankruptcy to my credit report, creditors of mine began closing accounts including XXXX XXXX. I have attached all my statements from XX/XX/XXXX and XX/XX/XXXX PROVING that my account was used and in proper standing. I DID NOT file a CHapter XXXX Bankruptcy. There is no way that if I filed a bankruptcy in XX/XX/XXXX, dismissed in XX/XX/XXXX, I could have continued to use my credit card throughout and up until XX/XX/XXXX. 
Additionally, TransUnion REFUSES to verify payment information with a former creditor XXXX. This creditor insists that they are reporting my account correctly, but refuses to verify the payment details and payment history. This account was NOT included in a Chapter XXXX bankruptcy either and in fact the first derogatory mark occurred in XX/XX/XXXX. The account should have been deleted from my credit report in XX/XX/XXXX. TransUnion continues to report this negative information on my credit report. I have requested the original payment history from the vendor and the credit bureau and they will not respond. They just keep sending me a transcript of " updated '' when in fact nothing has been verified or updated.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing a recent copy of my [   XXXX    ]  credit report I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.  <P/> Thanks in advance,  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