milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
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: XXXX XXXX is falsely reporting my account as 30 days past due to the 3 major credit bureaus. I disputed via XXXX twice in the last 3 weeks -  included a screen shot from the XXXX XXXX website, showing that my account is current. Just yesterday, I received confirmation from XXXX that the creditor has verified that my account is 30 days / {$230.00} past due as of XXXX/XXXX/XXXX. I have a print screen ( dated XXXX/XXXX/XXXX - attached ) showing my account is current. I contacted XXXX directly on XXXX, at which time I was instructed to fax my screen shot to XXXX 's customer service department at XXXX XXXX XXXX for review. I did so on XXXX, yet the company still reports my account as past due. Further, my account has been paid every month since account opening - never been past due.

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 05/15/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I w as sent 3 different c losure notices for accounts that were opened in my name. I have never been a customer of this bank. When I contacted the bank the said that the  XXXX  accounts looked like fraud. The accounts were opened with a  XXXX  balance, maintained a  XXXX  balance and then closed with a  XXXX  balance. All with in a months time.

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 02/22/2017 about Debt collection (Medical) with Credit Consulting Services, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I Have attached what I feel is more than enough documentation to substantiate my complaint. I have written Credit consulting Services and have not had a fair shake at receiving any validation from day one. We have asked for paperwork from phone call one. They dragged their feet on providing any information and to date, they have provided nothing. Credit Consulting Service made contact by telephone way before the validation period expired. Then soon after the period expired, they decided to mention that they could not provide the requested information due to their limitation to being restricted to collection activity within the state of California and reported this account as a collection to XXXX, XXXX, and XXXX. This has affected me financially in the purchase of the two vehicles loans we signed for in late 2016. The fact is very clear, If we requested the documents that would validate the collection to be sent to us in the first place, and they can not send them due to licensing restrictions to conduct business outside the borders of California, That alone is proof beyond any doubt that this debt was never verified or validated by any standards.My address and contact phone number, which has been the same for 15 plus years was listed with all three bureaus prior to their collection activity. They Knew that from the first phone call they made because I let them know at that very point. In my conversation with their representative, I was informed that even if I paid this under the guise of extortion, they would not remove the collection from any of the XXXX reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: XXXX mortgage Is stating on my credit report that my account was charged off in a chapter XXXX bankruptcy and the account has been closed. I have not included this debt in my chapter XXXX plan and this was on the outside payment, I have been timely and never missed any payments as per contract. I would like it to report payed as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been in the process of disputing an account on my credit report that was sent to XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX XXXX, XXXX . XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX. They have Re-Aged this account from the Date of First Delinquency ( DOFD ) which was XXXX. My attempts to settle this matter with TransUnion have been unsuccessful. My attorney at XXXX XXXX ( XXXX ) XXXX sent a letter to TransUnion with no success. All the CRA did was send me a copy of the account that remains on my credit report stating it was placed for collection on XXXX/XXXX/2014. After I received this I contacted TransUnion to inform I would like a copy of my Consumer Disclosure File, which I am entitled under Section 609 ( a ) ( 1 ). This is a more comprehensive report which will show the complete history of my accounts. I spoke to the supervisor, by the name of XXXX, who stated that there is no such report and I am not entitled to it. I understand that is illegal for them not to provide this to me. I have also filed a complaint with the State Attorney General 's office in California. I would like resolution concerning this matter. TransUnion needs to immediately remove this from my credit report. I also feel they should be fined for this illegal activity.

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 10/20/2017 about Student loan (Federal student loan servicing) with Premier Student Loan Center (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The company was called Premier Student Loan Center. Website : XXXX XXXX XXXX  Account ManageXXXX XXXX XXXX XXXX XXXX XXXX was told that if I paid {$230.00} for 5 months towards my student loans then my payments would be lowered to {$10.00} a month for 7 years and that my half of my loan would be forgiven. However, I received an email that said my actual loan payment would be {$0.00}. I decided to look into it and it was at that point the account manager told me that it was a service fee for the company. Then my wife looked up the company and saw on some student loan forms that this company scammed people into giving them money for a service that I could have done myself. We called up the account manager to cancel the service and she told us that the {$230.00} I had paid in XXXX XXXX and XXXX XXXX could not be reimbursed. It was then I was told it was a service fee and not paying towards my loan. When my wife asked her if this was a scam she ( account manager ) said " Yeah ''. We have cancelled this service on the phone and through an email and asked for an invoice for the two {$230.00} " service fee '' but have yet to receive anything. We are cancelling the credit card that was given to this company. DO NOT USE Premier Student Loan Center. They are misleading and scamming money out of people!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2017 about Debt collection (Medical debt) with Professional Placement Services, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Professional Placement Services LLC dated XX/XX/XXXX stating I owed them money for a medical debt. I checked my credit report and did not see any debt collection on it and believe it is not mine so I sent them a debt validation letter per FDCPA law 15 USC 1692g Sec. 809 ( b ) on XX/XX/XXXX. I also informed them in the letter that under the FDCPA and FCRA laws it is a violation if they report this inaccurate account to any of the credit bureaus. On XX/XX/XXXX I received and email alert from XXXX XXXX that new information was just added to my credit report. I signed in and saw that Professional Placement Services LLC added a negative collection account to my credit report. They still have not responded to my debt validation letter and they illegally placed this account onto my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: American Express has charged our account a late fee while an amount is in dispute and has marked our account late. The law states a credit card company may neither mark an account late or charge a late fee, interest and/or penalties so long as the amount disputed is in question. Yet, American Express repeatedly states to me they will remove the late fee and late statement AFTER the investigation is complete. This is contrary to law. This is an investigation of cyber fraud on our account which has taken several approaches, and this has been going on since XXXX 2013. Every 60 days we are removed from dispute status and put into late status. This also prevents obtaining the rewards earned, which is again wrong, and each month since XXXX 2013 we have pad all amounts we have charged in full. All we are asking is to pay what we owe and nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX//2015 a balance of {$9900.00} from XXXX XXXX XXXX XXXX. appeared on my transunion credit report.I am challenging Transunion to verify this account Per section 609 of the Fair Credit Reporting Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA place the burden upon the credit bureaus and creditors to provide the credit bureau a co [ y of the original creditors documentation, Whatever I filled out and signed upon opening the account with the reporting creditors.

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 08-07-2015 about Debt collection (Federal student loan) with SLM CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has been paid in full since XXXX 2012. There is a XXXX balance for this paid collection. Please remove it from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Consumer Loan (Vehicle loan) with DEPENDABLE CREDIT CORP (NY).
Issue: Managing the loan or lease

Complaint: I secured a loan with Dependable Credit on XXXX/XXXX/15 and began having trouble with the car immediately. I spent over {$2000.00} on repairs in the 1st month of owning the car, but because it had over XXXX miles I was not able to return it due to lemon laws. 

Feeling stuck and with a credit company that is relentless and unbending and unwilling to make any concessions. I worked hard not to damage my credit but they would n't approve a deferment or anything. Always threatening to repossess the Acura MDX, even though I was n't more than a few days late. 

Finally I had enough I went to another dealership and wanted to trade in the car for a smaller car a Nissan Altima just to get away from this company. To add insult to injury the representative from Dependable Credit, was charging me an interest rate that we never agreed to and then provided the new dealership with false info for my pay out. When confronted with the details I advised here to please send the corrected info, she refused advised that she needed to keep my business. I advised her that not up to her and I no longer wanted to do any business with her anymore and to please provide the correct details. This business practice is unfair and must be illegal this company should be investigated. They reported to the dealership that I owe XXXX on the loan which is the original amount of the loan itself. Then sent me an invoice for XXXX - and had a payment from me that made even this amount lower. They wont release me or allow me to pay off this loan.

Company response to consumer: Closed
Consumer complaint received 09/15/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have filed a complaint with XXXX which stated my status was open. I complainted with the FTC They changed the status to XXXX to 120 days pass due. Then they replied to the FTC that the report has been updated. When they actual changed the status to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Submitted a Texas Debt Validation request under the Tx Finance Code. National Credit Systems responded with an incomplete validation that did not cover all items requested or required by the Texas Finance Code. They responded that they are not required to send the information requested. 

National Credit Systems Response - " The consumer has requested information that is not relevant to the validation of his debt. We have mailed the legal and valid copies of charges to validate this debt, as required by the FDCPA. Please have the consumer review the charges and contact our office. Thank you, National Credit Systems , Inc . '' I did not file a direct dispute under the FCRA. It was requested under The Texas Finance Code Chapter 392 which by law requires the below information. 
The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 XXXX a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.

Company response to consumer: Untimely response
Consumer complaint received 10/20/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (NY).
Issue: Trouble during payment process

Complaint: Regarding fraudulent practices of Selene Finance LP company Multiple fraudulent transactions have been taken place starting from XX/XX/XXXX. Upon inquiries and endless investigations, multiple entities claim mortgage rights to the property at the same time. 

Please see background history below : Primary and secondary mortgage was obtained on a one bedroom apartment in XX/XX/XXXX from XXXX XXXX. All payments were sent to XXXX in a timely fashion every month. On XX/XX/XXXX, XXXX has refunded a payment of {$1500.00} for a primary mortgage while accepting a monthly payment of {$200.00} on a secondary mortgage. 
Subsequently, an unknown company, XXXX, has initiated their demands for a payment of over {$20000.00} on the account stating that they are legally authorized to do so. 
XXXX has failed to provide : *promissory note *security deed *registered assignment Upon contacting XXXX County Registry Office , no documents were filed by XXXX certifying the requirement for all transactions to be recorded. 

Shortly thereafter, an unknown company, Selene Finance LP, has initiated their demands for a payment of over {$30000.00} on the account, also stating they are legally authorized to do so. 

Selene Finance LP has also failed to provide : *promissory note *security deed *registered assignment Further research showed that Selene Finance LP is not listed on the registered assignment with XXXX County property registry . 

Further research showed that XXXX and Selene Finance LP have involved in multiple class action lawsuits, CFPB investigation and debt collection fraud cases. 

Please investigate. 


PS : upon recent search history of XXXX County, XXXX NY registry on the property, Selene Finance LP is not a registered party and has no right to collect the debt.

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

Complaint: Dear Sirs, I have been serviced by Ocwen since XX/XX/XXXX after XXXX sold my loan to them. I was in bankruptcy then as I lost my job the year before that ), but even then, I have paid my mortgage payment every month. Ocwen never sends me any statements except for when they informed me that they were servicing my loan. I paid my mortgage every month and have tried to call them several times to send me a statement or I place a communication with my check advising them to send me my statements to ensure that I am still paying the correct amount but still no answer. My bankruptcy finally ended XX/XX/XXXX and have advised them repeatedly over the phone that this is so but still no answer. It 's more than 15 months now that my bankruptcy is done and still no statements. I have been making payments online in the hopes that they will at least update their system but still nothing. I have been stressing on this for the longest time now and still find no relief. Please Sirs, I need your help on this. I am working a regular job XXXX, M-F and I call their office on a regular basis but it seems their company does not know what they are doing or ca n't explain the anomaly to me. Is their payment office is in Florida, there is no way I can speak to a person " in person ''. I am really desperate, I want to keep my house and just not stress out on this which should not really be a hard thing since I pay our mortgage on time or even few days earlier than the due date. Thank you and hoping to hear some relief your end. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: This client began trying to modify her loan in XXXX when her lender was XXXX. She continued to reach an attainable modification until XXXX when then lender was XXXX. After not being able to attain a modification, she opted to list her home with me in XXXX of XXXX for a short sale. At this time the file was with XXXX. The file was then sold to XXXX ( XXXX investor ). Although we were able to eventually get an offer that was approved from XXXX they buyers failed to close. We then submitted another offer with XXXX and was processing when we received word our file was being transferred to Shell Point. Up until the transfer we were communicating with the new investor through our contact at XXXX. We even received a counter offer from the new investor ( shell point ) and then the file was officially transferred over. We then spent the next 3 months trying to get an approval on this same offer. The buyers could not hold out any longer and again the buyers walked. I sent the contract cancellation the same day I received the approval from Shell Point. I then relisted and resubmitted an offer to Shell Point, first for {$310000.00} then {$320000.00} as to match the previous approval amount. This was submitted on XXXX XXXX, XXXX. I was told if I could submit at the same amount as the last we could expedite the file to get a quicker approval. Since then I as well as the sellers attorney have been told that this file will be expedited. If I do not get an approval for the current offer by this Friday, the buyers, will again walk. No one can seem to get an answer from the investor for Shell Point as I am told they are not in house. How can I expedite this file? This client has been through four different servicers in just one year. The sale date for this home has been deferred twice. There is another sale date scheduled for XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for this collection from this debt with XXXX XXXX. I am not responsible for this debt with LVNV FUNDING LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Problems when you are unable to pay

Complaint: Hello. Santander Consumer USA has placed an auto repossession on my credit reports which I disputed with the XXXX credit reporting agencies ( XXXX, XXXX, XXXX ), but they claim that they have verified this information with Santander. The credit reporting agencies gave me the name and address of the creditor that they supposedly used to verify this information and directed me to them. On XXXX XXXX, 2015, I mailed a dispute letter directly to Santander at the address given to me by the credit reporting agencies. I sent the letter via certified XXXX with a return receipt. The XXXX confirmed that the dispute letter was delivered on XXXX XXXX, 2015. To date, I have n't heard anything back from them.

Company response to consumer: Closed with explanation