milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I noticed that the CFPB filed suit yesterday against Navient. My loans are serviced through that entity, and the CFPB description of Navient 's actions I read in y'all 's brief sounded strikingly familiar. For two years, prior to my return to XXXX school, Navient would repeatedly call me and essentially make it appear that I had no other choice but to choose forbearance. That said, I had never heard of income based repayment plans until recently, and my income was anything but at that time. In addition to being coaxed into forebearance for about 18 months, Navient was slow to recognize my right to deferment once I returned to school, and I have no evidence that they rescinded their reporting to various credit agencies as they promised to do for their error during this window of time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account opened on my credit report that I did not open. I have just recently been released from incarceration year XXXX. The Day of my incarceration was XX/XX/XXXX. The account was opened during my arrest : Last Reported XX/XX/XXXXCreditor Name CERTEGYAccount Type Returned CheckAccount Status OpenOpened Date XX/XX/XXXXClosed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance $ XXXXHighest Balance -- Payment Status Collection/Charge-OffWorst Payment Status -- Date of Last Payment -- Amount Past Due $ XXXXTimes 30/60/90 Days Late XXXXRemarks Charged off account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: EQuifax refuses to remove or delete these items, from my credit report which have not been validated by creditors

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I have not been receiving any monthly statements ( or periodic statements ) From Bank of America, N.A., since the new federal rule, which went into effect on XXXX XXXX, 2014, requires monthly statements be sent out to homeowners. 
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 08/19/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My mother passed away in 2013, leaving her home to my family. I am not the executor of the estate so the company will not allow me to take over the mortgage. I do n't make enough money to pay it and I keep getting the run around. I make enough money to pay a mortgage. The account is in default now and I ca n't seem to get them to help me keep the house. I understand that I have a right to the house and the will gives me claim, but I ca n't get them to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have notified Transunion of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX XXXX XX/XX/2017 2. XXXX/ XXXX X/XX/2017 3.  XXXX/ XXXX X/XX/2017

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 01/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I have tried to open a regular bank account with chase bank 2 times and got denied, only can open a CHASE LIQUID which is a debit card account. I have nothing in XXXX I got a report from the company that showed nothing. And when I opened a account with them they told me after 6 months they let me have a regular account. Problem is when credit people check your Bank account they say no to you because it not a regular account., There is no reason they should n't let me open a checking account. I been there over a year now. And I receive a regular deposit every month from my XXXX. So they have been unfair with this matter to open a regular account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have had this mortgage for 10 years and never carried an escrow, I have paid all taxes and insurance on my own. In XXXX XXXX Ocwen attempted to collect insurance, after much hassle and phone calls I had to prove that I had a good policy with XXXX, Ocwen continued to insist that I had to pay insurance a year in advance. In XXXX XXXX Ocwen put an escrow onto my account without contacting me. My county offers a payment plan which I took advantage of, Ocwen decided to make all taxes due despite this. I received my check for tax payment back from Ocwen. After 8 phone calls I finally just paid all taxes and fees to avoid late payments and an escrow. At this time I was told that this " WOULD NEVER HAPPEN AGAIN ''. Two weeks later-it happened again. I called Ocwen and wa told that I had delinquent taxes, i was very concerned so I called my county tax office and confirmed that I did not have any delinquent taxes, nothing due until XX/XX/XXXX. I again called Ocwen and they insisted that the XXXX taxes were delinquent and I owed them another escrow in full. I was then transferred and was told they would " research '' and call me back-16 days later. I waited and was again told that they needed to research further and again told my taxes weer delinquent. Mind you, I had not even appraoched the due date yet. At this time I asked " what should I do? '' and was told, " do n't do anything, this is Ocwen 's error and we will fix the unfortunate situation ''. Weeks passed and I kept calling, same response each time. In the meantime I am incurring late fees, property inspection fees and certified mail fees. On one day I was charged 11 times for certified mail, another day 7 times. I have NEVER received even one certified letter! Multiple inspection fees on one day also. I have called almost 100 times, I have sent multiple letters and emails. Yet today, 5 months later XX/XX/XXXX, I am still being told that I had delinquent taxes and I have to send another letter requesting that my account is researched. I do n't know how to prove that XX/XX/XXXX comes before XX/XX/XXXX except to send Ocwen an American Calendar. I have even said-ok how much can I pay to resolve this? The reps refused to give me a dollar amount. They would not let me give in and fix this. Any internet search shows how historically deceptive Ocwen is. Why are they still allowed to be in the business of taking homes from hard working people?? I have been told by XXXX reps that no foreclosure proceedings would take place but again that was deceptive and they are now threatening foreclosure. Please help to rectify this very stressful problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Medical) with Suburban Credit Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I had ( XXXX ) medical accounts in the amount of {$47.00}, {$40.00}, & {$330.00}. I called the collection agency and they agreed to settle for {$330.00} which was successfully debited from my checking account on XX/XX/XXXX. After the verbal agreement, I followed up in writing and requested that the collection agency provide there agreement to delete the accounts from my credit report in writing. I never received the letter, but I spoke with XXXX XXXX from the collection agency and was told they would have the accounts removed from my credit report.I called today ( XX/XX/XXXX ) and spoke with XXXX XXXX. He began to yell & scream at me because I asked how much longer is this suppose to take because I was initially told it takes 5-14 days. To date those accounts are still reflected on my credit report. I 've held my end of the contract but, they are taking their time fulfilling our agreement. I feel like I should n't have to be talked down to because I called to inquire about our agreement.

Company response to consumer: Closed
Consumer complaint received 10/25/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: As a Bank of America customer, I got automatically enrolled in the Bank Of America Privacy Assist program in XX/XX/XXXX and was charged $ XXXX/month since then. I saw the press release published at : XXXX I canceled my account today ( XX/XX/XXXX ) and wanted to get a full refund starting with XX/XX/XXXX. The customer representatives from BOA Privacy Assist stated that my account was not affected by the " unfair billing practices '' mentioned in the press release, i.e., I was not part of XXXX customers. Would it be possible to confirm that this lawsuit affected only a subset of Bank of America Privacy Assist customers, or am I being deceived by the Privacy Assist team?

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 10-05-2016 about Debt collection (I do not know) with I.C. System, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This comapny calls me every day sometimes twice per day I have no idea who they are or why they are calling me they do not leave a voicemail when I miss thier call

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 06-03-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Disputed with this credit bureau concerning XXXX XXXX and sent in backup that this debt was in dispute before this was placed on my credit report and was being collected by XXXX different collection agencies. I asked for the backup to how they verified this amount and they did not send me any information just left the insertion on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I sent Portfolio Recovery Associates ( PRA ) a request for validation letter, pursuant to Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with corresponding state laws. The request for validation response must be competent evidence bearing my signature showing that I have, ( or ever had ) some contractual obligation to pay them. In response, I received a letter that account number XXXX XXXX XXXX XXXX was verified, as it was sold to PRA and that I owe {$2200.00}. 
On XX/XX/XXXX, I sent a second letter further requesting valid documentation, as they failed to provide a copy of viable evidence and per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill does not constitute verification. In response to this, PRA stated they have answered to my dispute and not further replies will be forthcoming. I continually receive phone calls from numerous phone numbers connected to XXXX at all hours of the day. I have been turned down for credit and request for a home equity loan as a result of disparaging reporting from XXXX. I have suffered financial harm from their derogatory tactics. 
I dispute the validity of the purported debt I owe. I request that XXXX provide 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 ) the 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 XXXX Cease and Desist all further communications and collection activities and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted original creditor XXXX XXXX XXXX XXXX times in which they verified paid in full with a zero balance. They ca n't find me as a customer anymore when explained they said they would contact the collection agency and get it removed. They did n't Enhanced recovery then told me a month later they never received anything from XXXX XXXX. The XXXX call a gentleman gave me an authorization number XXXX showing paid may XXXX/XXXX/15 it 's now XXXX/XXXX/15 and they are still reporting delinquent. Account number with XXXX is XXXXContact info for XXXX which I have sent the statement from my checking showing I paid in full {$170.00} is XXXX FL XXXX. This is really hurting my credit which is why I paid it to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On my credit carma report it shows that there is debt transaction on my SSN which was given to collection agency. One transaction on transunion on XXXX XXXX 2014. Its physically impossible this is an invalid charge because i got my SSN on XXXX XXXX 2014, So how is it possible to use it before that. Kindly check it and remove from my report.

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 03/24/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX ignored my request to provide me with the necessary document that their company has on file that was used to verify the accounts I disputed. Being that I have gone past the 30 day mark and can not verify theses accounts, under section611 ( 5 ) ( A ) of the FCRA -they are required to ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (I do not know) with Firstsource Advantage, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I obtained a copy of my credit report and noticed that this company was reporting an account that I 'm not familiar with. I disputed it with the bureaus and they continue to report it. I then sent a certified letter to them demanding validation and clarification of what this is and I still have not received any correspondence.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In, XXXX I pulled my credit and found that I had a debt to the Ohio Department of Taxation and XXXX County Courthouse. So I contacted them and paid all taxes owed and additional fees to remove the tan lien with XXXX county courthouse, they gave me a receipt, a letter and verified it was paid in full and released and would be removed from my report. 

In XXXX the credit bureau places on my credit a tax lein of {$290.00} on both my names and spouses. So I copied my letter and wrote to all XXXX agencies asking them to remove or at least reflect paid in full. Instead of removing the nuts determined it was verified we owed ( but that it is not accurate as I have the orginial paperwork and contacted XXXX County records and Attorney General as you can also and they will share with you its paid. 

Regarldess in XXXX, I applied for a mortgage and it was on there again, It keeps going on and off I have disputed this atleast XXXX times. I attempted to dispute this week online XXXX XXXX, XXXX and I get a message stating that it can not be disputed XXXX times, despite the fact they have proof it was paid and are reporting that I still owe this debt. I called both the Ohio Attorney General Department of Taxation and collection and the XXXX County Court Clerk of records Divison that reported that it should not be on my credit and they stated they were not reporting to the bureau, instead they claim that this is the bureaus error. 
I pulled my credit and it shows unpaid {$290.00} for a tax lien by both agencies, in addition this debt was in XXXX/XXXX/XXXX and it has been reporting beyond the XXXX limit for paid tax liens. ( this is now XXXX years that they bureau has been reporting this as unpaid when it was paid in XXXX, below is the scanned proof. I am asking the bureau to remove immediately from both my credit and my spouses and send written verification they did so,

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Debt collection (Other debt) with Ideal Collection Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In checking my credit report I see that I have a collections account listed with XXXX XXXX XXXX. They have never sent me any letters in attempting to collect this debt. I was suppose to receive a letter explaining who they are and why they are contacting me. I should have had a chance to dispute this debt by asking for information about the original creditor. That never happened. 

In addition, there have never been any phone calls, emails or contact with this company. They are not trying to contact me, they are simply reporting this account to XXXX and 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 04/26/2017 about Debt collection (I do not know) with AUDIT SYSTEMS,INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX     2017   XXXX  Never dealt with account, account/ company unknown / fraud

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Auto debt) with TD BANK US HOLDING COMPANY (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We had auto payments setup for our auto load form TD bank. Twice the auto payments got removed form our account causing us to incur late fees and to report negative stuff to our credit report. The reps told me there is a bug in their system with business accounts and auto payments. I am requesting to remove the report form my credit report and refund the late fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2017 about Student loan (Non-federal student loan) with NEW MEXICO EDUCATIONAL ASSISTANCE FOUNDATION (NM).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Since XXXX I have tried to consolidate my student loans held by New Mexico student loans, ( XXXX ; New Mexico educational assistance Foundation ), they go by many names. I am currently on medical leave with my current employer due to a XXXX and XXXX XX/XX/XXXX. New Mexico student loans Corporation continues to insist that they are a federal student loan company but the US Department of Education does not have them listed in there database, XXXX. I currently have all my student loans consolidated under XXXX as my service provider. New Mexico student loans was not eligible because they are a private company and they are not willing to work with me on any forbearance or income-contingent repayment plan and continue to reflect negatively on my credit report. I filled chapter XXXX bankruptcy in XXXX and I do n't understand why this debt was not dischargeable because they are a private lender.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX CREDIT REPORTING AGENCY IS REPORTING A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX AS HAVING A {$15000.00} BALANCE AS WELL AS A {$15000.00} PAST DUE AMOUNT. I HAVE DISPUTED THIS ITEM BEFORE AND HAVE HAD IT SHOW A {$0.00} BALANCE AND {$0.00} PAST DUE AMOUNT. XXXX XXXX CLOSED THE ACCOUNT AND NOW SHOW IT AS PAID WITH A {$0.00} BALANCE AFTER A XXXX FORM WAS FILED AND THIS MONEY REPORTED AS ADDITIONAL INCOME TO THE IRS. XXXX XXXX AND XXXX XXXX AT XXXX ARE THE CONTACTS AT THE CU. I NEED THIS BALANCE REMOVED FROM MY CREDIT REPORT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Credit card debt) with Forster, Garbus and Garbus (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a credit card with XXXX card in the amount of {$1300.00} that went to collections. I paid well over half of the amount with a debt collector, XXXX XXXX XXXX. It has changed hands to Forster Garbus and Garbus. Forster Garbus and Garbus is threatening me telling me that I owe them the original {$1300.00} when in fact I know that I made many payments to the previous debt collector- XXXX XXXX XXXX XXXX I have made many attempts at contacting Forster Garbus and Garbus after speaking with them originally in the first week of XX/XX/XXXX. The gentleman told me he would run the record from XXXX XXXX  XXXX to see that I paid half of this debt off and would contact me, however never contacted me again. They have threatened me that if I do not contact them and start paying by XX/XX/XXXX, I would owe the entire amount. Again, I can not get into contact with anyone. They have reported this as delinquent, which is not true. This is unjust and unfair-I would like this removed. 
Thank you for any assistance.

Company response to consumer: Closed with explanation