milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello I have a collection debt on my credit report from  XXXX  internet and phone provider in the amount of  XXXX  different balances owing. First  XXXX  owing is reported in  XX/XX/XXXX  by Stellar Recovery in the amount of {$91.00}. Another reported by Stellar Recovery in  XX/XX/XXXX  in the amount of {$150.00}. I have contacted  XXXX   (  which I am currently receiving services from today ) about this balance owing and they cant seem to give me proper information on the debt owed, due to the computer filing system they have previously used for billing is no longer used.  XXXX  stated my account I owe is in an archived system and have not provide me with the dates or past payments on the account they claim I owe money to them. I had moved from  XXXX  different addresses, and they claim I owe money from an older address, they have created new billing accounts for them. I have asked for explanation and payment history and they can not provide to me and send me to archived accounts department who can not give me prof either just a paper bill with a balance from an old account. If the system is so outdated and archived this is an old account and keeps getting re-newed or updated to a newer debt on my credit report. I would like this to be resolved and removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Auto) with CAINE & WEINER COMPANY, INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I would like copy of contract with my authentic signature that begun this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (I do not know) with Renton Collections Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This afternoon I attempted to contact Renton Collections over the phone to find out additional information about a collection account they were reporting with the original company " XXXX Inc ''. I suspect it may have been a medical item that should have been covered by my insurance. After verifying the account number on the credit report, my DOB and my address, the representative refused to speak with me because I would not provide my Social Security number over the phone. A XXXX representative got on the phone, then said he was going to put that I was refusing to identify myself and said he 'd transfer me to a supervisor so I could " talk about my feelings '' and was dismissive about my concern and need to address the issue on my credit. He was clearly intending to upset me any way possible, while not providing any additional information about the debt on my credit report. The supervisor ( XXXX XXXX I believe was the name ) was incredibly rude, would not assist me even after I provided my DOB again and informed her I had provided both the account number and the address. When I tried to explain the situation about how the other representatives would not assist me even with the requested information, said she would put me on hold and I could hang up whenever I 'd like. I identified myself, with the exception of not providing my Social, a practice that help prevent identity fraud. I do n't have sufficient information to get this resolved, so I have tried calling XXXX directly, but their billing department was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage is handle by Seterus Inc. On XXXX 2014 I was granted a chapter XXXX bankruptcy by the court, the mortgage was not included on the bankruptcy, I never missed a payment and I kept paying the mortgage for all the past 10 months, I spoke with Seterus on tow occasions and ask them to please keep sending the monthly statement and they refuse to do so, also need to get access to my account online, I send a certified letter ( see attached ) and they refuse to keep me inform about my mortgage status, so please help me solve this situation, Seterus in a very arrogant way refuses to send the monthly statements and I do n't know what else to do, they even at first refuse to talk to me on the phone and I stated that I understand that the original lien is still accepted by me. 
Thank you in advanceXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 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: Information belongs to someone else

Complaint: XXXX  said i had no credit history

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 04/16/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I provided a letter to Equifax that contained an AUD number for the deletion of a collection account entered by XXXX XXXX XXXX in the amount of {$240.00}. This should have resulted in an immediate removal following verification of authenticity. Furthermore, I gave the AUD number to the representative, XXXX, that I spoke with on XXXX/XXXX/2016. I understand that most cases would require a XXXX investigation but the credit bureau has been given the tracking number for the deletion which should expedite this matter and they have chosen to ignore it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen loan servicing , LLC bought my mortgage from indymac bank about 5/6 years ago. I had paid the months mortgage to indymac as the Ocwen letter was received mid month of the date of loan sold. My first mortgage, XXXX mortgage statement from Ocwen did not reflect the payment made to indymac. 
I called indymac first to find my payment, the number was directed to Ocwen. I have never been able to contact indymac since before my loan was sold. So I spoke with Ocwen and explained my payment went to indymac and why, I gave them my check number and bank proof payment was made. The response was " sometimes it takes a few. Months to receive, do n't worry about it ''. 
My XXXX statement still reflected XXXX payments due and late fees. I called again. This time no one could give me an answer. 
I fought Ocwen over this payment until I was hospitalized an went through XXXX XXXX..as I was able to regain my strength I started calling again, as I was trying to do a HARP OR HEMP on my loan. 
In XXXX the loan was sold, I had no longer knew where the receipts were as I was not in a position to track them as I had other people cleaning my home as I recovered..yet I had sent proof in the XXXX month.. 
Ocwen has never removed the fees or gave me credit for the payment I made. I can have the bank research the payment and will, at Ocwens expense at this point. 
Ocwen stopped reporting to the XXXX major credit agencies, I was actually able to have XXXX agencie contact Ocwen with me regarding the matter..Ocwen openly stated to the credit agency they only had been servicing my loan for 6 months XX/XX/XXXX. I had years of proof payments were made to Ocwen long long before, such as XX/XX/XXXX, and asked for aa supervisor ... the supervisor stood by the 6 month story even with proof I 'd made years of payments. ..I noticed that none of my payments had been reported for years, yet none were late. I did notice on my year end escrow statements, all my payments were made. I have now started to receive default papers after trying to refinance, but the loan processer was telling me Ocwen was refusing and holding up the HEMP, HARP, I do n't remember which. 
My escrow statements show payments made on time as I mentioned, now my homes value has almost doubled and Ocwen is blocking me from refinancing my home and keeping my credit score from the good points it should receive. 
I did receive a XXXX intrist form from indymac AND last years Ocwen XXXX had a different tax ID number on it. I did n't notice this until reading a fraud story regarding Ocwen. I 'm in an intrist only loan at 7.7 %, trying to get down to a 4.2. % 30 year fixed. 
I can have the bank research the payments and will if need be..but their straight up lying of such things as servicing my loan for 6 moths must end! They openly lied to me and a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
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: Canceled my credit card in XXXX then agreeing on a payment arrangement to pay balance. Miscommunication between me and the representative regarding that my cash back option would be consider as a payment. After using my cash back option on the mobile app it said no payment was due for the month of XX/XX/XXXXon the XXXX. The next monthXX/XX/XXXX my payment that was aggreed upon of the amount XXXX $ i paid XXXX $ onXX/XX/XXXX then i continue to make my agreed upon payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Conventional fixed mortgage) with WINNPOINTE CORPORATION (CA).
Issue: Credit decision / Underwriting

Complaint: A company called Winnpointe is engaging in deceptive mortgage practices. They are advertising a 2.875 % fixed rate for the life of the loan without clearly stating whether it 's a 30-year loan or a 15-year loan. This is trapping consumers into calling thinking this advertised rate is for their 30-year loan and is against TILA regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX, XXXX and Equifax reporting for Acct Number : XXXX : On Equifax, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on XXXX it is reporting Date of Last Payment as XX/XX/2012, and on XXXX, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Advertising and marketing

Complaint: Bonus miles not applied to my account. The bonus miles are claimed to be available only if you use the card for a minimum amount of purchases in a three month period after account opening. While this is clear on the airline 's website, the terms and conditions as advertised, are not clear on the bank 's site. Using the internet archive, the website, as I saw it at the time of account opening is not available.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (MN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I had spoke with someone regarding opting out of overdrafts during the early part of 2017. I was told i could not. I recently discovered the previous suit filled against them and called to have my account opted out and stop any transactions from coming through for a short period of time. They did not do that and claim they have no record of the call. Since then, 3 transactions cleared and 4 overdraft fees of {$37.00} were added. I addressed the issue and they refunded {$89.00} of the {$140.00}. I spoke with two different Department Leads to resolve the remaining fees and they said they could not do so. I 've had many issues with them in the past and do not feel it is ethical for them to hold me accountable for misinformation given to me by numerous employees. I offered to pay for the charges ( {$84.00} ) and not the overdraft fees ( {$59.00} ) and the offer was declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2017 about Student loan (Federal student loan servicing) with OKLAHOMA STUDENT LOAN AUTHORITY (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: My loan repayment has a due date of the XXXX but there is a 10 day grace period for late payments. I make my payments on or around the XXXX no later than the XXXX of the month. I continuously get back to back calls from their customer service center. The calls start at XXXX and end at XXXX : XXXX EST. On XXXX I was called at XXXX : XXXX and my payment has been paid for the month with the payment for next month XXXX XXXX XXXX scheduled in the system. I am tired of being harassed for the payment when I 'm on a payment plan. I 'm doing the best I can. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I XXXX XXXX XXXX of age citizen of the United States a victim of identity theft would like to make a complaint that I made an attempt to dispute items off my credit report due to identity theft and the credit agenciesrefused to delete and consider the FAIR CREDIT REPORTING ACT FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) 611FAIR AND ACCURATE CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU CALIFORNIA CONSUMER CREDIT LAWS My desired outcome would be for this credit agency to delete inaccurate accounts that I did not open & stop asking for additional paperwork when iv'e already provided all documentation concerning my claim and proof of my claim. COPY OF ID, SSN, AFFIDAVIT IDENITY THEFY NOTORIZED, FCT REPORT POLICE REPORT AND THEY STLL WOULD NOT DELETE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Payday loan () with Red Cedar Services, Inc (NM).
Issue: Received a loan I didn't apply for

Complaint: The Creditor, 500FASTCASH500 PAYDAY LOANS, has continued to call me requesting payment after I have legally proved that this is a, " Thief/Fraudulent Account! '' All, " XXXX Credit Bureau, especially XXXX Credit Report, " REMOVED/DELETED '' this account after I had to file XXXX police reports and verified that this account does not belong to me. All documents were also sent to this Creditor of 5OOFASTCASH500 Payday Loan Company twice and they still continue to harass me in wanting payments for an account that has already been, " REMOVED/DELETED from my credit reporting bureaus. If I remember correctly, XXXX was the first to remove them then XXXX Credit Bureau. Please inform this creditor that this account has been disputed legally with police reports and verifying documents that I proved this is, " NOT '' my account! 
Please inform this Creditor that I was a victim of Identity Theft /Fraudulent Activity, in which this is well documented with Credit Financial Protection Bureau , ( cfpb ), Federal Trade Commission , ( ftc ), and the credit bureaus! All disputes and documents, again have been legally filed with my local law enforcement. 
All documents have been submitted and recorded with the Credit Bureaus, and I mailed this Creditor all the information as was required by me. 
" 500FASTCASH500, should have, " ALL '' the documents that were mailed to them as well as whatever the XXXX XXXX XXXX had sent them when they removed this account from my credit files. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion has fail to provide me with proper documentation regarding a XXXX account that I have disputed in the past and is still been reported as accurate.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Date XXXX/XXXX/XXXX TRANSUNION In response to Consumer Bureau : XXXX To Whom It May Concern : This serves to notify you on the inaccurate information on my credit report as per your file. purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX N/A XXXX XXXX DEP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company have not removed the negative item I have fax affidavit to show my identity was compromised XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX N/A XXXX XXXX DEP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted them they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that your company is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit Its ashame that your company is using blunt tactic in falsifying me of my rights XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 06-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account with Citi Bank using a promotional code for XXXX XXXX XXXX miles. I then opened the account and completed the requirements for the promotion. Citi confirmed multiple times in writing that I was eligible for the promotion, that I had met the requirements and would receive the XXXX miles by XXXX/XXXX/16. After not receiving the miles by the specified date I contacted Citi and was told that I fact was never eligible for the promotion.

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 08/25/2016 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Problems when you are unable to pay

Complaint: I was released from my teniored job last year and informed Navy Federal. I continued to make payments throughout this year as I could. I was then referred to a special collections department who allowed me to make small payments to show effort until my full time job started at the end of XXXX. My collections specialist XXXX XXXX was in an accident and a schedule check payment was unable to be stopped but was rectified by an ACH transfer later that week before the returned check. On XXXX XXXX our account was placed for repossession and picked up the same night. Tuesday we called into Navy Federal and they explained it was because of bounced payment checks after having our Collections Rep explain the accidental submittal we were directed to another department. That department is Fiance Management. An agent by the name of XXXX ( only XXXX she said in department ) took an application for deferment through XXXX XXXX 2016. We accepted the terms and awaited the Repossession division of Navy Fed to send a release so we can pick up our car at XXXX XXXX XXXX. Two days have passed and they refuse phone calls or to provide documentation of said agreement. The repossession department has told the XXXX XXXX not to even speak to my fianc that I had relinquished rights to speak on my account on every occasion and that they are refusing to release the car even with the deferrement showing a zero balance due and only the repossession fees to be paid at the XXXX XXXX. It is my belief they are intentionally holding my vehicle to either remand custody or to rack up fees as punishment as they have continually reprimanded me as if I was their child and dehumanizing me with their lack of action. I rely on this car and have been very corporative through the whole process even before the repossession. No one at Navy Federal says they have authority to protect my consumer rights I just have to wait it out. This is inexcusable and has put my family in a downward spiral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (I do not know) with Premier Portfolio Group (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a call from a  XXXX   XXXX   XXXX   XXXX  from Premier Portfolio Group regarding some unknown debt.

Company response to consumer: Closed with explanation