milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Southwest Credit Systems has put an account in collections that does not belong to me. I have had this removed from my credit report in the past because I have proved that it isnt my account, they remove it, then wait about 6-9 months and put it back on. Honestly this is harassment. I am in the process of buying a house and this continues to be a thorn on my side that I keep needing to have removed. Please stop allowing them to abuse my credit score, my finances and my right. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Delinquent account

Complaint: Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, although debt was discharged via bankruptcy in XXXX 2013. Have contacted Consumer Reporting Agencies following instructions on their websites, twice via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. The company also sold the account to a collection agency AFTER the bankruptcy. This company and/or its representatives continued contacting me via personal and work phone long after being informed of bankruptcy. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due as of the discharge date.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I sent in XXXX checks ( {$6200.00}, {$4100.00}, {$4400.00} ) to payoff my student loans that I had taken out for my sons college education. The checks were sent in on XXXX XXXX. As of today, XXXX XXXX, the checks have not been posted. I have been told I sent the checks to the wrong address. I also have been told the checks were cashed already, but the money has not been credited to my account. I believe the accounts should be paid off with an effective date of when the money was received and I should not accrue an additional interest. 
I included a letter which stated if there was a problem and/or question to contact me at my email address or cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have disputed the account several times with Equifax. The account was deleted but some how placed back and I was not notified that it would be placed back onto my credit file. I understand by law that I should have had a five day notice that this would be placed back but it was deleted for fraud so it needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (ME).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: While out of work and in financial distress, Sallie Mae strongly advised that I consider a forbarence on my loans. I have not been informed of any other payment options. Among this, I inquired on multiple occasions about receiving a reduction in the interest rates on my loans. With over {$70000.00} in loans, they were charging over XXXX % interest. They refused to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Credit card debt) with Fein, Such, Kahn & Shepard, P.C. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have asked for proof of debt and have received nothing.

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 EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: OnXX/XX/XXXX I was notified by XXXX XXXX ( a payday loan lender ) in XXXX, Arizona that I attempted to apply for a loan online onXX/XX/XXXX. I did not apply for any loan with any lender. It was fraudulent and a police report was filed. The XXXX Police Department took the report and provided a case number : XXXX  The officer XXXX XXXX urged me to provide the report to credit report agencies and to XXXX XXXX in XXXX. I supplied the information to all XXXX credit bureaus XXXX, Equifax, and XXXX. In addition to the information, I requested an immediate freeze on my credit. I notified the credit agencies on XX/XX/XXXX by phone and mailed the police report along with a letter stating the inquiry and address used in XXXX, Pennsylvania was not mine. It was identity theft. As of XX/XX/XXXX XXXX and XXXX removed the address used and XXXX XXXX inquiries from my report. However, Equifax did not remove the fraudulent inquiry or address used to commit identity theft. As of XX/XX/XXXX, Equifax is still showing the XXXX XXXX inquiry from XX/XX/XXXX and the address used to commit identity theft : XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. It 's been over 13 months and Equifax will not comply with the request to have the fraudulent inquiry removed along with the addressed used to commit identity theft using my personal information. I attempted a third time on XX/XX/XXXX to have Equifax remove the inquiry and Pennsylvania address from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Dear can I am trying to apply for refinancing under harp. And Ocwen. Has put me. Late payments. When that is not true and banks are denying me for a principal refuction

Company response to consumer: Closed
Consumer complaint received 08/29/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been current and never late on my account. I received a call from the Ditech, the loan servicor, and then a new statement stating that my account was past due since XXXX 2016 and I have unapplied funds. I called on XXXX/XXXX/16 ( 2nd phone call in the month about the same issue ) and they said that they made an error it would be corrected in 5 days which it has n't and my online account is not corrected either.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been through ( if u want to call it that ) XXXX different modifications. Problem is the company Ocwen always refuses to give us any details of the permanent modification until we pay the 3, once XXXX trial payments, which we have always done. If we ask for an upfront look at permament terms we are told u can refuse the trial payments but are not guaranteed this trial or another future trial and foreclosure will continue. You will never see the permanent terms until you pay the trial.Then we get the permanent terms with a balloon payment of {$80000.00}, {$99000.00} or bigger monthly payment which is never mentioned or even hinted at in the trial plan terms. Our house is so far underwater it is heartbreaking. Homes on our street are not selling for {$120000.00}, one sold for {$40000.00} at auction. Our current modification just started including a balloon payment total : {$300000.00}. We can afford {$1100.00} a month and a fair loan balance. We appreciate any help anyone wants to give us but this does not seem like help ecspecially from Ocwen, who seems to lose every document you give them, stretch out the process and continue to add these home inspection fee 's week after week. We are smart enough folks with college degree 's, we know who caused the collapse in 2008 and it sure was not your everyday people like us. Yet, '' not one XXXX XXXX person went to jail '' per XXXX XXXX in last nights debate. We will vote XXXX like we always do but we will never get ahead. The XXXX XXXX folks made XXXX, collected insurance for loses from XXXX and XXXX more in bailouts.People say they paid back the bailouts : It is easy to pay back when u made XXXX in scams and paid only XXXX in fines??? Yet we are only offered {$120.00} or {$80.00} a month off mortgage payment or {$10000.00} in principal reduction, and it is tacked on the end ( Balloon ), or kicker you must pay tax on it.. We have put our blood, sweat and tears in our home. Never late in the fist XXXX years of our mortgage..Finally the real kick in the XXXX. We lost our entire home and contents to a woodstove fire in XXXX 2008. Insurance covered us, and even gave us alot of money for every personal item we lost : My wife and I and XXXX kids, XXXX years worth of stuff. Every toy, clothes, shovel, plates, t.v, stereo, throw rug, Holiday decoration, etc. etc. Alot of money in personal items paid directly to us. My wife and I decided to be smart and put that money someplace almost guaranteed for our kids future. We put it all into building a new house double the size of the one that burned and now our current house is worth much much less then even the one that burned?

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Experian/ XXXX XXXX ( CEO ) XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA. 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Checkr, Inc (NV).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: I recently applied for  XXXX , and they perform a background check on me through  checkr . Background report is wrong, and I submit a dispute. On  XXXX   XXXX  I receive an email from checkr, and I contacted them the following Monday regarding the report and I spoke to representative  XXXX   XXXX  nothing is being done, advise their review in complete on  XXXX   XXXX  wait for  XXXX , and  checkr  also advise me their source is right checkr cause me a job or contract that pays up to {$1500.00} a wee k I m s uing under fcra wrongful reporting and punitive damage.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: First, the servicer, RCS, filed a foreclosure action when they had no cause. They claimed I had not made all payments on time, but at trial, I was able to show this was not true. Second, they then claimed that I had not provided all loan modification documents in a timely way. This was a last minute claim, and the plaintiff produced documents at trial that they had not provided during discovery. Their own records, which they hid from me until rebuttal, show that I had not only provided all documents, but that they had used fabricated, outrageous and irrelevant reasons to turn down each of my loan modification requests. They knew this, and mislead the court into believing I had not met the terms of the loan mod. They lied in court. Third, during the actual loan modification process, they ignored modification requests they received as late as XX/XX/XXXX. Finally, their own records show that ( a ) I was current when I asked for a loan modification, ( b ) they dragged their feet on the loan modification for two years, until the arrearages totaled approximatly the Net Present Value of foreclosing on the property. I contend that they never had an intention of entertaining a loan modification. They offered the loan modification only to put me in a position where ( they thought ) I would have no choice but to vacate the property and let them sell it out from under me. Now, when they filed with the court for a sale date, I answered with a motion to review the case showing the plaintiff had lied in court ( please see attached documents ). The Plaintiff 's reply was to sell the loan to another servicer and walk away.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX continue to contact me every time they see a number change on my records. I am contuing to receive letters from XXXX XXXX XXXX to make a payment along with the letter it ays Due to the age of this debt, we will not sue you for it or report payment or non -payment of it to credit bureau. 
I was threaten by an associate name XXXX that she will go into my bank account. XXXX XXXX to harass me so much in calls til I started getting XXXX and XXXX. XXXX XXXX will yell at you constantly agrue with you and if you hang up the phone they will continue to call you back by phone. I ask them not to contact me they continue to do so my number has been change I applied for credit XXXX 2016 I did not give my number to XXXX the associates lie about when they purchase the collection. XXXX XXXX has been harassing me for over 8 years XXXX XXXX contacted harasssng me as of now. XXXX XXXX is not listed on my credit reports But I am still receiving data that XXXX XXXX is still acquiring to all my credit report bureaus, after being deleted from all XXXX credit reports and still demanding payments from me. I sent a cease and desist letter.

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX unauthorized credit inquires XXXX refuses to remove them I contacted the banks and nothing was done. 
I did not authorize any credit card I demand them to be removed. 

Thanks

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 04-12-2015 about Debt collection (Credit card) with Pollack & Rosen, P.A. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Pollack & Rosen began calling me indicating that they were representing XXXX XXXX XXXX XXXX XXXX in reference to a debt that I have with Portfolio Recovery. They began calling on XXXX XXXX, 2015, in which they called 4 times in that XXXX day, but they did not leave a message. The debt is for a XXXX XXXX XXXX account with XXXX. I informed the representative from Pollack & Rosen that I had made payment arrangements XXXX XXXX and that I have the paperwork that outlines the payment arrangement. The Representative, XXXX, stated that they did not have any record of this payment arrangement. He implied that he did not believewhat I said. I told XXXX that I would contact XXXX to make sure the arrangements were still in place. He began stating that they would file the necessary paperwork to file a lawsuit in my county if I did not make payment arrangements with them. XXXX made a veiled threat that if I wanted to make this " go away '' I would need to take care of this with their firm immediately. I again stated to him that I had made payment arrangements with Portfolio Recovery, their client, and that XXXX was satisfied with the payment arrangement and that I also have the paperwork detailing the payment arrangement. XXXX then put me on hold and came back to the phone stating that he had spoke with their " Lead Counsel '' and that Lead Counsel said that XXXX had retained them as their attorneys and they are going to proceed with filing a lawsuit. I donot understand how a law firm can go ahead and sue you when their client has already made payment arrangements with me. I have spoken several times with XXXX XXXX XXXX about this situation and they reassured me that they are satisfied with the payment arrangements that they had made with me. Also the representative informed me that XXXX XXXX XXXX had made a mistake in sending my file to this debt collection attorney. I have the paperwork from XXXX that states that they would not send my account to a debt collection attorney until after XXXX XXXX but they sent it on XXXX XXXX. I made payment arrangements with XXXX on XXXX XXXX, 2015. XXXX XXXX admitted their mistake, but this debt collection firm was extremely rude and threatening. XXXX, the representative from Pollack and Rosen also made the statement to me that " I seem to be an Intelligent person '', which I found to be extremely condescending. I feel that I should not be harassed for the mistake that XXXX XXXX XXXX made, and to which they admitted to, by this debt collection firm of Pollack and Rosen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: After being contacted with a postal mailer and e-mail, I responded to the advertisements and called to start a loan to improve my residence. I informed the person I spoke to, XXXX XXXX, that I needed a HUD XXXX loan to do the improvements. Instead she put me on track for a loan where I had to make the improvements before I could close the loan. The company 's action in trying to steer me into a loan that did not meet my needs was deceptive and time consuming. It almost locked me into a loan that did no meet my needs. After I rejected the loan they were misleading me into, they posted a letter to me claiming that I was turned down for the loan because I refused to provide credit information. That is untrue as I provided all such information and they had already issued me an approval letter. This has cost me time and as rates are increasing, significant money as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates ( " PRA '' ) is collecting on a debt allegedly owed to XXXX. On or about XXXX XXXX, 2015, I disputed this account with all XXXX credit reporting agencies and with PRA and requested validation of the debt. Immediately, the debt was verified with the credit reporting agencies. About two weeks later, I received mail from PRA with a cover letter indicating they had " verified '' the debt. 

Included with PRA 's letter were XXXX non-consecutive statements from XXXX XXXX, none of which provided any indication of how the balance on my secured card with a credit limit of {$700.00} rose to nearly {$2000.00} in a relatively short amount of time. After applying the security deposit to the alleged balance, PRA is attempting to collect {$1200.00}, an amount nearly XXXX the account credit limit. Nothing in the XXXX statements I was sent provide any indication as to where this balance came from. 

In the meantime, I have sent PRA subsequent correspondence to which I have received no reply. They do, however, continue to report a monthly 'charge-off ' to the XXXX credit bureaus, making sure they do the maximum possible to completely ruin my credit score. I would note that a Missouri jury recently ( XXXX, 2015 ) ordered PRA to pay over {$83.00} XXXX in damages to a woman whose credit they ruined without any concern. I have no problem paying my debts but it would seem to me that if they applied my security deposit and closed my account, my balance should be settled. To apply my deposit AND claim I owe an additional {$1200.00} is outrageous, and to ruin my credit monthly because I want to know the nature of how this was calculated is truly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was reviewing my credit report and noticed that information listed on XXXX accounts had changed and was not correct. In XX/XX/XXXX/XX/XX/XXXX, I had XXXX credit card accounts with XXXX XXXX, XXXX and XXXX. XX/XX/XXXX, I enrolled with XXXX of Maryland, so that I could consolidate and pay off my debts. At the time, I was XXXX and was not able to take on any new debt at the time because of the medical bills. 
I disputed this information with Equifax and the results state that the company is reporting the correct information. I have credit reports from XX/XX/XXXX that states XXXX of them was closed in XX/XX/XXXX and the most recent credit report states XX/XX/XXXX. I do not know what is going on with this company, but this information is false and I would like it removed from my credit report. 
Both of these accounts were closed at the same time and had to be in order to enroll in XXXX of Maryland. As part of the programs, you are not allowed to open any new accounts until after the old ones are paid off. Finally, I have been on XXXX since XXXX and have never had a credit cards since then. 
Please help me to get this issue resolved.

Company response to consumer: Closed with explanation