milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: To Whom It May Concern : I have called XXXX XXXX XXXX XXXX spending several hours on the phone with representatives and managers re : # XXXX XXXX XXXX XXXX due to this card being issued by XXXX XXXX after my departure from the company which was XXXX. The card was sent directly to the XXXX XXXX XXXX, and charges in the amount of {$520.00} were charged against this card issued under my name without permission. After discussions with XXXX, I was advised to fax the letter from my previous employer stating they issued the card in error under my name to XXXX by XXXX ( Employee XXXX ), which I sent in on XXXX In my letter, I requested to have a letter/documentation to their resolution and for them to contact the ( 3 ) bureaus having this adverse mark removed from my credit. I 've been denied a credit card, and am now attempting to pursue a purchase of a 2nd home which this will affect now since it 's still not resolved. I have attempted to call back again XXXX & XXXX with no success in reaching someone that can assist, and when I ask them to review the notes on my account their suspect at best in describing my case and do n't mention anything about receipt of a letter, or their efforts in resolving this issue. XXXX has taken no interest in resolving this issue, and I feel hopeless as a consumer as XXXX reps will only take down my phone number for callbacks which are never received from management. They can reach me at XXXX, and I would like to understand as a consumer how do I repair my credit when a company is n't cooperative in the efforts???? Do I have recourse to sue for my time spent and the damage they 've continued to allow by no action on their part??? 

Sincerely, XXXX XXXX XXXXXXXXXXXX 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 non-monetary relief
Consumer complaint received 06/29/2015 about Debt collection (Medical) with AAA Collections (ND).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I believe that this phone number is for a debt collection XXXX. There are several issues with the way they are attempting their practice:1 ) they have called from the following phone numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX - all of these phone numbers when GOOGLED do not reflect XXXX nor any company even close to that of a Debt Collector. Rather, for example on phone number ( XXXX ) XXXX when you look it up online, it states it is for XXXX XXXX in XXXX XXXX, SD. This is a deceptive practice and as a debt collector, they should have to clearly identifiy themselves. 
2 ) the company has continued to call my cell phone repeatedly daily and when I do not answer the calls because I am at work, they have recently attempted calling my phone at work - which I never provided authorization or the phone number to do so and I would like them to stop calling that number IMMEDIATELY. 

Further if they are attempting to collect a debt, why are they not leaving me a voicemail message with a call back number? This is a shady practice. My voicemail clearly states my name so even leaving a brief message of this is XXXX calling for XXXX XXXX regarding her account, please call us at XXXX would be better than nothing. XXXX XXXX XXXX practices need to clearly be investigated for proper actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: We have been making payments though  Ocwen ' s website. When we submitted the request for our  XXXX  payment, we received an email fro m Ocwen which states the following : Thank you again for choosing to participate in Ocwens Automatic Clearing House (  ACH ) program to have your payments automatically withdrawn from your bank account. Based upon your request and approval, we have enrolled you in this free service and your first payment withdrawal date is scheduled for  XXXX / XXXX /  XXXX  .     We did not request to be enrolled in the  Automatic Clearing House program. I called our relationship manager at Ocwen t o request to have us removed from the program. He just told me to cancel the payment. I am not sure if doing this will withdraw me from the ACH Program.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I went to XXXX and borrowered {$30000.00}. They now tell me i owe over {$32000.00} and i had a total balance of over {$55000.00}. There is in no way I ever borrowed that much money as my mother paid for my tuition until the last 18 months of my education. There are XXXX notes which I signed for and they do not total $ XXXX. I consolidated my loans and I want answers. You can not talk to anyone here and you can only email. The website shows payments but, does not indicate a running principal balance to review where we are to keep track of where you on in the repayment process. I have been paying each month with no late payments since I graduated for 2 years now and I owe more than I borrowed. Please have them explain. There was an inquiry at the school about the federal student loans when I went there and now I wonder if I should of looked into this sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, WE HAD A FAMILY MEDICAL HARDSHIP, WHEREIN THE COST OF TRAVEL AND ACCOMODATIONS CONSUMED OUR CASH AND OTHER RESOURCES. WE CONTACTED OUR MORTGAGE COMPANY AND INFORMED THEM.WE WERE TOLD BY OCWEN LOAN SERVICING IN XX/XX/XXXX WHEN WE TRIED TO SEND IN PAYMENTS THAT WE SHOULD APPLY TO THE HOME AFFORDABLE MODIFICATION PROGRAM ( HAMP ). WE HAVE SENT NUMEROUS DOCUMENTS OVER THE PAST 4 YEARS. WE HAVE BEEN TOLD NOT TO WORRY BECAUSE THEY SAW THAT WE HAD ENOUGH PENSION AND RETREMENT AND SOCIAL SECURITY INCOME TO MAKE OUR MONTHLY OBLIGATION. WE SENT IN DOCTOR FORMS TO DOCUMENT THE MEDICAL EMERGENCY THAT DRAINED OUR FINANCIAL RESOURCES DURING XX/XX/XXXX -XX/XX/XXXX.RECENTLY WE WERE TOLD THAT OUR MODIFICATION APPLICATION WAS DENIED BECAUSE THE NOTE HAD A MATURITY DATE OF XX/XX/XXXX. WE HAD BEEN IN COMMUNICATION EVERY MONTH FOR THE LAST 4 YEARS. NOW THEY DROP THIS BOMB ABOUT PAYMENT IN FULL OR FORECLOSURE. THE TAX ASSESSED VALUE OF OUR HOME IS {$130000.00} ON A {$60000.00} MORTGAGE THAT THEY HAVE ASSESSED LATE FEES TOTALING {$30000.00}. 
UPON RECENT FACT FINDING SEARCHES, WE HAVE FOUND OUT THAT OCWEN LOAN SERVIVING OF XXXX XXXX XXXX, XXXX WAS UNDER INVESTIGATION BY THE XXXX STATE ATTORNEY GENERAL OFFICE AND WAS ORDERED TO PAY XXXX HOMEOWNERS FOR IMPROPRITIES. 
WE BELIEVE THAT OCWEN HAD NO INTENTIONS TO REFINANCE OR ACT IN GOOD FAITH. THEY LED US TO BELIEVE THATWE HAD NO PROBLEMS AND THAT IT TOOK A CONSIDRABLE AMOUNT OF TIME TO GET REFINANCING TOGETHER. DURING THE 4 YEARS, WE HAVE DEALT WITH XXXX FINANCIAL RESOLUTION MANAGERS, WHO HAVE REQUIRED US TO SEND UPDATED DUPLICATE INFORMATION, WHICH WE DID PROMPTLY. WITH EACH FINANCIAL MANAGER WE WERE LEAD TO BELIEVE THAT WE WERE GETTING CLOSER TO THE MODIFICATION, WHEN THE HOLD TIME THEY WERE DELAYING US.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am writing to inform you that SYNCB WALMART DC is not my account. 
I am contesting it as fraud. Please have it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Debt collection (Payday loan debt) with CNG FINANCIAL CORPORATION (AL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I was contacted by a rep claiming I owe debt to a  XXXX  loan company. Which I do not owe and have asked repeatedly for them to send me verification of original debt, they refused and told me to pay by credit or debit card. If I refuse they will have police arrest me.   A rep by the name of   XXXX   XXXX  ,   XXXX ,   XXXX    and   XXXX   XXXX    have repeatly called my job with threats and cursing me when I refuse to give them my card info. My employer is threaten to relieve me due to constant calling from this company. I asked for address, and representative number and they refused.  XXXX   XXXX  stated I was stupid because I would not allow him to get my financial information. The collection practices of this company are far from practices of a legit collection company. I ask that something be done to alleviate this harassment and have this scam company be held accountable. Last contact was on   XXXX   XXXX   and I was contacted on my job 8 times with threat after threat by different reps and giving me different company names and amounts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An unauthorized inquiry from XXXX XXXX was reported on XX/XX/2018. I called XXXX to find out why they ran my credit report and they said they have no record of speaking with me and do not have an answer as to why my credit was ran. I then called Transunion to file a dispute on the inquiry. Transunion told me that they do not dispute inquiries as they are facts. I told him it was not a fact, it was not authorized and it was fraud. He said it did not matter and if I wanted it removed then the company that pulled the report would have to submit to Transunion in writing that the inquiry needs to be removed. I asked him why a company that committed fraud would submit anything. I was again told that inquiries are facts and can not be disputed. I informed him that I submitted a dispute on unauthorized inquiries to XXXX and it was removed immediately. He said Transunion does not have a process to dispute inquiries, so he can't help me.

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 10-12-2016 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (SD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX is attempting to collect a debt that they purchased from Barclays Bank Delaware. I have never entered into a legal agreement with this debt collector.

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 05-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX of XXXX a mortgage broker and countrywide sold me a fraudulent loan prior to closing the broker explained the terms of the loan wold be 7.25 % interest and would adjust to 8.25 % later after closing I found out that the loan adjusted every 6 months to 14.75 % interest in XXXX of XXXX my house went into foreclosure do to the adjusting interest rate that I could not keep up with.

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 05/20/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a a unverified account from  TRIDENT ASSET MANAGEMENT  #  XXXX . I have never done business with  TRIDENT ASSET MANAGEMENT.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g , I dispute the validity of the debt purport I owe. I request that  TRIDENT ASSET MANAGEMENT Pr ovide verification of the following  : 1. )  The original Application or contract ;  2. )  Any and all statements allegedly related to this debt ;  3.  ) Any and all signed receipts ;  4.  ) Any and all canceled checks  ; 5.  ) Original date of default and collection activity begin  6.  ). Whether you purchased the debt, and if so, the amount paid for the debt  7.  ) The date  ( s ) t he debt allegedly accrued ;  8 . ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that  TRIDENT ASSET MANAGEMENT Ce ase and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with MIDCOUNTRY FINANCIAL CORP (WI).
Issue: Problem with the payoff process at the end of the loan

Complaint: Small Claims was filed against me for this loan, when I did not sign any loans documentation/nor is my name listed on the contracts for this lending company.

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 08-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I currently have a judgment from Civil court that is reporting on Transunion and XXXX. I have XXXX situations with this judgment and have disputed this information for months and I desperately, need help. First this suit was brought against me for back rent by my rental management named XXXX XXXX XXXX. I had a court date for XXXX and was told by the management office not to go because I had paid my rent in full and there was a XXXX balance. However, a default judgment was made against me because I did not go to court. I would have gone to avoid this. Secondly, this judgment was included in Bankruptcy that was filed on XXXX/XXXX/15 and has since been discharged on XXXX/XXXX/15. I have explained these XXXX situations to the credit reporting agency and the information has not been deleted. This judgment will affect my future for many years to come and it is not my fault. Please help. As of XXXX XXXX 2015 i had already paid a partial rent payment for XXXX so there is no way I was behind to have a judgement against me. I have attached copies of canceled checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: Home Depot said it was my fault for not paying a bill in in XXXX 2015. I was reported 30 days late to my Credit Bureau for this issue. My account was paid in full for a long period of time and the account had no activity. Therefore, I did not receive paper statements. I had a credit on file for an overpayment that was used and it went four or six dollars pass the credit that caused for a payment to be made. The balance on the account was six dollars and XXXX with a credit limit of {$3500.00}. Home depot reported me as late because I did not make the {$6.00} payment. I received no Bill. Later on they dropped my credit limit to 3,200.00. I called in to dispute with Home Depot and XXXX credit reporting. Home Depot female representative was not helpful. I asked to speak to a supervisor and he said it was my fault and error and not theirs. The business practice of Home Depot with this consumer who has always paid the bill and never late with big or small ticket items is deplorable! I was not treated fairly and felt rejected as XXXX of their customers. I was amicable on the phone and the people infuriated me regarding this subject matter which left a bad taste in my mouth about their business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MD).
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: Please see the attached information. XXXX XXXX along with XXXX XXXX XXXX are attempting to collect on a debt for two student loans without the proper acceptance of a loan and promissory note.The documents provided by XXXX XXXX to validate the debt do not include a signature by myself or the cosigner, instead this signature is typed in electronically and I have never agreed to the terms and conditions of the loans in question or any other loan with this company.Please see the supporting documents and please make XXXX XXXX adhere to fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been unable to pay off accruing interest on current loans to prevent capitalization of said interest. When I submitted payments, they 're considered " refunds '' of my loan and are taken off my principal amount. I 've called Navient customer service to complain about the issue on their site as I have made such payments before and I received no straight answer as to how to make an actual payment to be applied to my accrued interest. They appeared to have no knowledge of this and stated that any " payments '' made on current loans were considered loan refunds. I fail to believe I ca n't make payments before the repayment period to avoid capitalization. It appears that Navient is forcing me to pay interest on top of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit card () with ENCORE CAPITAL GROUP INC. (CA).
Issue: Other

Complaint: in regards to midland funding having not yet removed this time barred debt that has more than exceeded the time statute to legally collect from XXXX credit bureau. I contacted midland funding a month or so ago in regards to this time barred debt and they removed it from my XXXX & XXXX credit report but THIS DEBT still remains only on my XXXX credit report. Midland funding already did so with the other XXXX credit bureaus ( XXXX & XXXX ) so they must have forgotten to do the same with XXXX. This time barred debt that has more than exceeded the statue of limitations MUST BE REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Foreclosure document fraud by Wells Fargo as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX and the Assignment says the note was assigned in XX/XX/XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned XX/XX/XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS WELLS FARGO HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.

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