milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (PR).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On  XXXX   XXXX  I began a payment plan for my   XXXX   XXXX  /Navient student loan. After few months of paying, I got laid and become unemployed for several months, until  XXXX   XXXX  through  XXXX   XXXX .     I paid as I could.     On  XXXX , after a family loss, I talked to  XXXX  who has my account about it. I wanted to pay {$50.00} on  XXXX   XXXX  but did n't find the money. I tried to reach them but as always, and as I told to  XXXX , is impossible to reach them.     Yesterday,  XXXX   XXXX  -   XXXX   XXXX   called to my mom house and gave her information without my consent. My mom told me that the person who called told her she was authorized when she was n't.     First, I just allowed my mom ONCE to use her bank account. I never said she was authorized to get my information. How do I know? Because lots, and lots of times I said I do not want them to call me to my mom 's house. They did n't do it for a while and then yesterday happened.     I believed all this is recorded.     The arti cle 805. Com munication in connection with debt collection of the Fair Debt Collection Practices Act in section b says Communication with third parties Except as provided in section  16  92b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not co mmunicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: YESTERDAY I TRIED TO OBTAIN A FREE COPY OF MY ANNUAL CREDIT REPORT BUT EXPERIAN AS ALWAYS REFUSED TO PROVIDE ME A COPY STATING THAT I RECEIVED MY COPY. UNFORTUNATELY, I NEVER RECEIVED A FREE COPY AND I WOULD LIKE EXPERIAN TO PROVIDE ME A COPY. I CAN NOT REACH THEM BY PHONE DUE TO MANY REASONS FOR WHICH I CAN NOT EXPLAIN. I WOULD LIKE EXPERIAN TO PROVIDE ME A FULL COPY OF MY FREE ANNUAL CREDIT REPORT. 
PLEASE FEEL FREE TO CONTACT ME IF YOU HAVE ANY QUESTIONS IN REGARDS TO THIS MATTER. 

THANK YOU XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a credit card with XXXX XXXX which had a charge for a service which I did not receive. I refused to pay the charge and closed the account. They show a charged off account on my credit report. This is a disputed charge for a service I did not receive and it should not be on my credit report. Though the amount was much smaller, XXXX XXXX kept adding interest and late charges and the total charge wound up to be {$550.00}. I was in a local hospital XXXX. During this time, I was XXXX got sicker as a result ... wound up sick for nine week. I called the hospital, complained and refused to pay my share of the bill ... {$150.00}. The hospital sent the bill for collection and it wound up on my credit report. XXXX these items are disputed charges which XXXX XXXX Bank, the vendor involved and the hospital have refused to dismiss even though they were not legitimate bills and should never have been due and payable. I have asked Trans Union and the other credit reporting companies to remove these charges from my credit report, but they consistantly refuse. My credit, which should be exemplary, has been destroyed for uears as a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 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: I ordered a XXXX Internet service, but XXXX did not get the service setup - indeed I have attached a voicemail message from a XXXX representative where he states that the service was not setup, however XXXX proceeded to bill me for the service that never was setup and never provided. I have several times reported this both to XXXX and to the debt collector that XXXX gave this over to - all to no avail as they just say their records show I received the service. The fact is they could not setup and provide the connection to my home and acknowledged this in the attached voice message left on my phone answering machine ; however, XXXX continued to bill me for what never got installed. I sought internet service and they threw in a phone line as a special addon offer, but I never received any of these. Indeed, after a year of disputing and getting their acknowledgement that they in fact never sent me the box with their modem that was part of the original order, they then, one year later without my knowledge, sent the the useless box with modem that could not be used because they had never completed the line setup to my house and the service obviously was not setup even then. For many years I have tried to straighten this out but my credit has been lowered due to their false claim on my credit showing " XXXX XXXX XXXX '' for " XXXX '' as a bad, unpaid debt on Experian, XXXX and XXXX  all to my damage. Even with my proof ( see voicemail from their rep attached ) it never was installed, they insist their records say otherwise. These arrogant companies deserve to be fined severely and pay for the damages they cause!

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 10/26/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Trouble during payment process

Complaint: Select Portfolio Servicing is the mortgage servicer of the loan that we have with XXXX XXXX as the note holder. My wife and I received a federal loan to help us decrease our loan because we were upside down and we received a mount for XXXX that was sent to Select Portfolio service to put toward the principle. Once they did receive the check we asked if they could reduce our monthly mortgage payment and they said, " No. 
They claim that they had already done amortization and that they could not lower our payment. If they only service the loan then why are they acting like a bank and making decisions for XXXX XXXX. They SPS are taking in money for banks and modifying loans but they claim not to be able to lower monthly payments for the consumers that in up with this loan servicer. How can this be and this has to be illegal. So many consumers have had similar issues with SPS and they should not be allowed to be in business. 

Thanks, XXXX XXXX XXXX XXXX. 
( 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 10/18/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: My loan is currently being serviced by XXXX XXXX. A lender/servicer can not collect on a debt that is transferred during the default of the loan. Additionally, the main issue is that the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered in the State of California the Deed of Trust shall be void ab initio. My violations as a homeowner have been severely violated at this point and XXXX XXXX has failed to reach out to me nor provide me with the opportunity to explore my options.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech gave me written approval for a loan modification, then came back right before the third trial payment and stated VERBAL by way of a phone call that they modification should have not been approved ; stating that there was a glitch in the system why it got approved. I have submitted all of the trial payments on time, then they voided out the modification and it was apparently listed as cancelled in the system because it would not allow their customer service representatives to process my XXXX XXXX, 2017 payment. I called several times, leaving messages in the mailbox for the account representative assigned to my case, and also the the non-profit company that assisting me with the making home affordable program contacted their contact personnel by email on several occasions without any response. I called back on Tuesday XXXX XXXX, 2017 and demanded to speak to a supervisor. At that time I was informed that " the underwriter went in and placed some notes '' in my file. I was then able to make the XXXX XXXX, 2017 payment. 

Ditech has been very fishy with responding or giving information or clarifications when requested. In addition cancelling the modification twice with no concrete reasons, or justifications, then blocking the account so that payments can not be made? i have then all that is being requested of me ; as within my abilities to secure a modification.Then to make matters I was advised that they had a pending sale date of XXXX XXXX, 2017.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Mortgage) with Aldridge Pite, LLP (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: RE : previous complaint # XXXX 1. This Complaint is filed pursuant to XXXX - Unfair Practices, and is directed specifically at non-compliance by Alridge Pite, LLP. and XXXX XXXX XXXX XXXX hereafter XXXX XXXX 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to Alridge Pite, LLP. and XXXX XXXX on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, Alridge Pite, LLP. and XXXX XXXX failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by Alridge Pite, LLP. at the request of XXXX XXXX See EXHIBIT-A. 

4. Please be advised that Alridge Pite, LLP. and XXXX XXXX is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. Alridge Pite, LLP. and XXXX after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. Alridge Pite, LLP. and XXXX, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling XXXX XXXX and Alridge Pite, LLP to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In    XXXX  2016  I  went in search of a new car. My understanding is when you apply for auto loan in a 30 day time frame you would not be penalized for inquiries relating to  XXXX  possible car loan. Went to  XXXX  dealerships and  XXXX  of the  XXXX  obtained auto loan with  XXXX . For dealerships to run multiple companies to obtain best rate for themselves and supposedly mine I had no knowledge on all these inquiries along with  XXXX  to  XXXX  inquiries within a 30 day period all related to auto loan to which I acquired with  XXXX .     Had credit reported back 17 years reporting 2 years? Please report correctly.

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 01/27/2017 about Debt collection (Credit card) with Synovus Bank (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have contacted 1st Progress AKA FST Progress I sent them a 14 page packet along with the Affidavit they sent me. This affidavit I signed an notarized over 14 times going back as far as XXXX. This company continue to play games with me and ask for me to send the same paperwork as a stall tactic. Knowing I have Identity theft. today XX/XX/XXXX they send me a letter telling me they will refund to fraudulent charges? to a gas station and XXXX?? I do n't understand this is about the whole account. They play the games to be funny and I 'm very serious and on the verge of taking them to Court, If they do not comply with the guidelines and code of fair credit reporting. I am very upset that I have spent over XXXX clock Hours in writing them calling and Paying for Notary to Notarize my Documents. They have also change the dates on the credit report? Can some one please get this fraud of my Report. I do n't understand why a company would continue to Hurt a victim of a crime Like Identity theft. Its been XXXX trying to get my life back. I want this removed ASAP no more games.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I have completed IRS Form XXXX ( Application for Withdrawal of Paid Federal Tax Lien ). It is a new initiative ( XXXX XXXX Program ) for people who credit score suffers from a paid Tax Lien. The IRS sends a withdrawal form to the persons County Assessor to have the Tax Lien removed.
I have sent Equifax proof of Release of Federal Tax Lien, through email. Ive also did an online dispute to have the tax lien removed from my credit report in XXXX of 2017. However, the derogatory remains on my credit report under Public Records.
Fortunately the other two credit bureaus ( XXXX & XXXX ) have removed the tax lien, according to the IRSs new XXXX XXXX Program.
I have proof that the lien has been paid, released, and withdrawn from my County Assessors Office. Therefore, Equifax, should honor the release and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 was a victim of identity theft 2 years ago. I sent 3 certified letters to XXXX requesting that they validate several items on my report and send me either a contract or something showing that these were my charges. After 3 attempts, they never produced the documents and this is unfair to me as a consumer. They also had an address in a state where I never lived. The below accounts were never validated. They sent me a letter stating that they validated the accounts but failed to provide me with anything. This is a direct violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also a XXXX  account that was opened in another state that they did remove but not the inquiry.

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 12/15/2017 about Debt collection (Other debt) with U.S. BANCORP (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: My ex received a phone call in early XXXX but he did not take down any names or numbers. My mother was contacted late XXXX and took down a phone number and a case number. I contacted XXXX on XXXX XXXX, and I spoke with XXXX XXXX who said she was part of a law firm named " XXXX XXXX. '' She stated I had a debt with US Bank from XXXX and if I did n't make a settlement of a one time payment of {$950.00} or 11 month payments that would total {$1500.00} that they would take me to court, garnish my wages, freeze my bank accounts and add any additional fees of court costs/lawyer fees. She stated the would send me some invoice in the mail and that I 'd need to return it. I never received anything and called again on XXXX, I asked where it was and she said they normally e-mail these documents. She then sent me an e-mail via docusign with her administrators name on it, " XXXX XXXX. '' It was a time sensitive document. After looking into this online and feeling skeptical of this caller I called on XXXX and asked for a " validation letter, '' she stated that the e-mail was a legal form of validation and if I do not comply they will take me to court. Now I am just waiting for a subpoena if this is actually something legitimate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: A 'stop-call ' letter was provided to the debt collector, but they continue to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: We have a mortgage serviced by Green Tree. In XXXX of this year 2015 It became apparent that my business could no longer sustain my salary. Therefore I elected to go and get another job and put my salary back into the business. I continued making XXXX payment a month but in XXXX I could no longer do this I was only working part time and was looking for a full time job. I called Green Tree explained to them that we had already done a modification and could we do another. I was told it did not matter that we had already done a modification fill out the application submit all paperwork. That is what I did. I faxed in everything. In XXXX I was told we did not qualify because we were missing information XXXX XXXX explained to me I needed to send in back statements and profit and loss from my business. I did. The account was then assigned to XXXX XXXX ext XXXX again I received a letter stating that Green tree needed more information and we missing information our XXXX income pay stubs. I faxed in pay stubs.. In XXXX I called talked to XXXX again our circumstances at my business had changed we had taken on a partner and I would be returning making a salary. XXXX advised me to fill out the application again and send in a letter. I did so. Again, we received a letter stating the modification could not be done due to not turning in information. Each time I received a letter or request I faxed in the required paperwork. After receiving this I called Green Tree and asked for someone in the Loss mitigation department. I spoke to XXXX ext XXXX. XXXX advised me that we were not eligible for a modification since we had XXXX. In 5 months NOT ONE PERSON ADVISED ME OF THIS. XXXX ALSO EXPLAINED THAT WE HAD BEEN SENT THE WRONG LETTER EXPLAINING WHY GREEN TREE COULD NOT DO THE MODIFICATION. I ASKED GREEN TREE TO SIMPLY REINSTATE THE MODIFICATION AND WE WOULD BEGIN MAKING MORTGAGE PAYMENTS. DURING THIS ENTIRE TIME I WAS TOLD I COULD NOT MAKE A PAYMENT. HELP WE DO NOT WANT TO LOSE OUR HOME. XXXX AND XXXX XXXX XXXX LOAN NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 11/24/2015 about Prepaid card (Other special purpose card) with Empowerment Ventures, LLC (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: Im a customer of rushcard, during the debacle from last month. I have to receive a merchant refund in the amount of XXXX that was credited to my card on XXXX XXXX 2015. Ive contacted Rush on numerous occasions regarding the issue. No one callled me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX Unverified Account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief