milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX those need to be removed permanently immediately. i have only filed bankruptcy one time which is XX/XX/XXXX. All these errors on my credit report is XXXX and XXXX and me and my lawyer is thinking of filing a lawsuit for XXXX due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XX/XX/XXXX or XX/XX/XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.

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 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RSI Enterprises, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello! 

RSI Enterprises is threatening to claim debt collection to a citation issued by XXXX ( XXXX XXXX XXXX XXXX XXXX ) for a supposed photo " stop sign violation '' and a {$100.00} fine ( now {$130.00} after collection fees ) from 2015. I finally received a collections letter dated this month. There is no available proof online that this even occurred, no video of the supposed violation nor of the driver to prove that I was driving. 

Firstly, I never agreed to pay this debt, therefore this is considered invalid right off the bat. There is not a posted sign at the entrance to this private property park and therefore does not constitute a Legal Contract. Secondly, the laws clearly state that a " promise to pay '' MUST exist before anyone can post to a credit report ... deeming this a false claim on collections. 

It is illegal for out of state companies to claim collections on private property that are n't legally enforced. When driving on public roads and am cited for a violation, by LAW, the officer must have the suspect sign that claims they will be responsible for any/all debts or fees that are incurred by said violation. 

Many others have also had this happen to them ; some fight it in court, some just ignore the claims by RSI Inc.. It seems that ignoring the collection letters is completely valid due to their acting on illegal collections and because there are no DMV restrictions or appearance on credit reports ... just proving even further that this a scam run by XXXX. 

Thanks for submitting this company and hopefully we can fight to take them down with everyone else that has had these illegal debt collections sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion are REFUSING to re-report a credit card that was removed in error from my credit report. My bank ( XXXX ) has made repeated attempts to have this credit card re-reported by Transunion, however, they are refusing to re-add the account. XXXX has called Transunion to discuss this problem but Transunion are still refusing to add the account in question. The removal of this account from my Transunion credit report has resulted in my credit score dropping from XXXX down to XXXX. This low score has resulted in my application for loans and credit cards to be denied. If this issue is not rectified I will be seeking legal advise and pursuing damages against Transunion.

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 02/24/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Abusive and illegal phone tactics

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I spoke with navient about fixing my loans so i can go back to school. The payment plan they suggested was outrageous and unsatisfactory to me i explained that at the moment i was unemployed also and to no avail they would not lower my rates so i can get out of deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: Chase Bank ( XXXX XXXX ) received my retirement funds - a wire transfer from a 401 retirement account and placed them in a Chase retirement account at .75 % interest. Chase Bank then reduced my interest on these retirement funds to .05 %. Furthermore they charged me {$30.00} a year as a " Maintenance Fee ''. Over the five years that I had this account - I now have less money than I started with in my retirement account. The Chase Bank in XXXX XXXX ( XXXX XXXX ) told me that I had to inquire to their " Retirement Plan Division '' located in Florida. After repeated attempts and speaking with XXXX XXXX and others many times - I was told that Chase had the right to charge anything they wanted to. I asked XXXX XXXX to produce the document that I had signed that allowed the bank to take funds out of my retirement fund - XXXX XXXX refused to produce any signed documents. 
The " Retirement Plan Division '' located in Florida decreased my interest rate on me retirement fund CD from .75 % to .05 % in XXXX years. With the fees and the almost nonexistent interest rate, I will have less money in the account than I started with. I talked to numerous individuals with Chase Bank ( " Retirement Division '' ) and was told that they could do anything they wanted to and it was my fault for letting them do it. 
I have no doubt that the " Retirement Plan Division '' of Chase Bank is bilking many other retirees out of their money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Hello, I began making purchases of digital currency in or around XXXXXX/XX/ using a JP Morgan Chase-issued credit and debit card. In XX/XX/XXXX, I made another purchase of digital currency in the amount of {$250.00} using my debit card. On XX/XX/XXXX, I was charged a {$7.00} service fee for a non-ATM cash fee relative to the {$250.00} purchase. I was not informed by my card issuer that I would receive penalties for purchasing a digital currency asset. I do not believe these are fair practices. Im certain other consumers have been affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/29/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Trouble during payment process

Complaint: Early XXXX I got behind on my mortgage. I spoke with a representative about the account and was offered a payment reset. In XXXX I had difficulty making the payment on-line, which would be done at no additional charge. During the same time the company was transitioning from NationStar to XXXX XXXX. I made several phone calls attempting to make the XXXX payment. Each time I was told that if I made the payment over the phone it would cost me an additional {$20.00}. I finally got a representative that would waive the fee. I 've experienced this same issue each month since XXXX. Every time I log on to the website get a message that says " Your account is not illegible for payments. '' I spend an hour to and hour and a half trying to make my payments every month. The dedicated loan XXXX XXXX XXXX is never available to take my call. I choose the phone option to speak to a representative which loops me over and over again to XXXX 's voice mail. I eventually get a hold of a representative that is willing to help. 

In between payments I have received numerous courtesy calls from XXXX XXXX. On each call I reviewed previous payments made as well as made inquires about the status of my payment reset. Each time I was advised that a decision had not been made on the payment reset. In XXXX I was advised that Fannie Mae had a backlog which was delaying the decision on my reset. Well in XXXX after having difficulty making my payment I spoke to XXXX representatives about the payment reset. The last woman that I spoke to advised me that my account was not illegible for the payment reset because I missed the XXXX payment. This was the first time that I had heard this in the XXXX plus calls that I have had with this company. The XXXX payment was missed because I could n't make it on line. 

As of today I am still unable to make my payment on line. When I attempt to make the payment over the phone tomorrow I will get the same run around that I have been getting. 

I also do n't understand the activity that occurred on my account in XXXX. 

XXXX - Unapplied Payment = {$460.00} XXXX Monthly Payment = {$460.00} XXXX Monthly Payment= {$460.00} XXXX Payment Reversal= ( {$460.00} ) XXXX Payment= {$460.00} Why so much activity in XXXX? I 'm pretty sure the XXXX payment was made on XXXX XXXX because I was unable to make the payment on line, but I do n't understand why it was n't applied. Then I made another payment that same month, but I do n't understand the payment reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (MN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: 1. I was 'served ' a Summons and Complaint with the statement " You are being sued. " ; however, there is not lawsuit filed against me. The person delivering the document said, " You are being served. " ; however, in reality I was not being served actual legal documents. I was handed a document that looks like a court document. Their document should have stated they were intending on suing me, especially if I do n't answer their 'summons and complaint. ' Instead they made it look like a court document to use it as a means to intimidate and scare me. There is no court file no listed on the forms nor is it listed as an active case against me on the website for MN Trial Court Public Access XXXX ( Fair debt collection practices act, 807, 2A, and 812 ). 

2. When I was 'served ', the documents with my personal information were not enclosed in an envelope and this a violation of my privacy rights according to FDCPA. 

3. The company that is threatening me is located in Wisconsin and I am requesting from the company that they are in fact licensed to collect debt in Minnesota.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a hard inquiry on XXXX XXXX 2017 on my credit report from XXXX XXXX, which I had no business with. I believe they did that just because I was shopping around for internet options and I did n't even get service from them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Army and Air Force Exchange Service (AE).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I was late on two minimal amount payments because at the time I was in XXXX and moving from forward operating base to forward operating base. In some situations there was nowhere to pay the bill and the bills were being sent to my home address in Florida so I actually forgot them until I got to a military location where I could physically walk into a Post Exchange and my account could be accessed. My history with my military star card is excellent but for the two incidents in XXXX. I believe I would be comfortably above 800 if this were off my record. In that unique situation where there was not automated way to view or pay my bill I think that should be taken into consideration.

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 12-06-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, I filed for bankruptcy. I did not include my mortgage with XXXX XXXX because I was present at that time and the bankruptcy attorney advised that unless I chose, I did not have to include my home. I did not include my home yet continued to make payments on time. In XX/XX/XXXX, XXXX XXXX stated they would correct my credit as two payments were improperly placed into another fund instead of being applied to my mortgage. Before fixing the issue, they transferred me back to Freedom Mortgage as my servicer, inXX/XX/XXXX, while stating I was then past due. I submitted all documentation to XXXX XXXX, Freedom Mortgage and all credit reporting agencies in order to resolve this issue. 
It is now XX/XX/XXXX and I am still fighting to resolve this issue as my credit has plummeted and though XXXX XXXX has corrected the problem on their end, Freedom Mortgage is still reporting my mortgage delinquent. I have obtained attorneys and HUD, but have not received satisfactory services.

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 05-08-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: My wife fell sick in middle of  XXXX  this year. Doctors put her off work indefinitely to treat the cause of her sickness. Me and my wife are sole earners and we both contribute to pay for our mortgage. We contacted our mortgage company and informed them we will only be able to pay half of  XXXX  's payment.   We explained our hardship to the company and they suggested to apply for loan modification. We agreed and we were instructed to submit the paper work. It took whole month of  XXXX  to complete the required documentation. We were only able to pay half of  XXXX  month 's payment.   We were told it would take  30-45 days  to process the modification.   We got a letter from the mortgage company last week dated  XXXX   XXXX ,  2017 that  modification was declined because default not imminent / default status not eligible.   The reasons gi ven : 1 )  We are current on our mortgage ... .Where as we are {$5300.00} behind as  XXXX  statement.    2 )  Financial hardship not documented that reduced income ... .my wife gets paid less than half of regular wages from  XXXX  insurance.     3 ) We have sufficient net income to pay current mortgage ... ..We submitted our income and expenses report which showed our total expenses could not meet the income.
4 )   We have enough cash reserve ... ..We stated in the income report that we have less than {$500.00} cash in the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Around XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX took over our home loan from another bank. The loan is now paid off but during that time we were having problems with the all the time. Problems such as we set up electronic payment and were advised AFTER-via late payment notice, that electronic payments were n't authorized. Then when we sent payment in by check, we received another late payment because they increased the amount without telling us so our payment was short. They told us they would clear all late notices and we would send in the difference which was {$37.00}. Yesterday I had a background investigation interview and was asked what the late payment to XXXX was about which was dated XX/XX/XXXX. We have no idea what that is about and I called them and they told me that they do n't show any late payments on our account. I would have to send in this problem via fax before they can investigate. Go ahead and XXXX XXXX and see all the unhappy reviews about them and see how many are just like mine. They are a very disorganized company and should not be in the home loan business.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (Medical) with URS Holding, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Calls, sends bill for doctors I never seen. Look up and find numbers are scams. I checked and all bills are paid from my services. 
Check internet and see they have different tel # and names. They call under numbers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive collection letters from a servicer that has not proven it has authority to send me collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AmeriCollect (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have paid Americollect IN FULL on ALL medicial collections. They will not update any of my credit reports! This is effecting my credit score!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had constant problems with Ditech Mortgage not posting my payments promptly. I pay 2 months ahead on my mortgage and it is a good thing because they take forever to post payments. According to my bank, Ditech received my last payment on XXXX XXXX, 2016 and as of today, XXXX XXXX, 2016, the payment has not been posted. 
Ditech is the WORST mortgage servicing company that I have ever dealt with. 
When you contact them, all you get is a canned response and never get a resolution to the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: EOS CCA is harassing me and engaging in unlawful collection practices. This debt is being sold to many different companies after I have told the original debt holder almost 10 years ago that this debt was not mine. The current debt holder has falsified the records to make it appear that the debt is 6 years old when it is older. I also told this debt collector that this debt was not mine and to cease and desist all contact in writing and EOS CCA has not complied. This must stop. 

EOS CCA CORPORATE HEADQUARTERS XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Managing Directors XXXX XXXX XXXX ( CEO )

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Fraud or scam

Complaint: Complaint About Western Union on Money Transfer and Non-payment I refer to the above in which I was a victim of non payment of a money transfer via Western Union XXXX. The loss was in relation to a money transfer via Western Union at XXXX XXXX XXXX via a Western Union transfer no. MTCN XXXX. I am a regular user of Western Union money transfer services for many years. So far I had no problem and I am very satisfied with the service. Recently, I planned a trip to XXXX XXXX. As I did not intend to carry too much cash with me, I make a transfer at the Western Union agent in  XXXX of an amount USDXXXX to XXXX XXXX on XX/X/2017 XXXX. I am the sender as well as receiver. In my application I have included a test question and answer for security reason as this is the first XXXX I sent to XXXX XXXX. 6 hours later at XXXX I received an SMS from Western Union informing me that the money was pick up by XXXX XXXX XXXX XXXX. myself. I was shocked to know that. I immediately lodged a non-payment claim at Western Union. I was informed that they required 21 days to conclude the investigation. On XX/X/2017 I received a email from Western Union United State stating that they denied liability as they said the agent paid out the money in accordance with the procedure. I strongly believe that the agent in XXXX XXXX deliberately paid out the money because no one knew the security question and answer except the agent. I lodged a complaint at my local authority. I was advised that Western Union was incorporated in the US and it was not within our local jurisdiction. Therefore, I request your good office to intervene and help to resolve the above matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Sent in a dispute letter did n't receive a validation response.

Company response to consumer: Closed with explanation