milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2017 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I made arrangements with Navient earlier in the month. I let XXXX know I would be calling before the end of the month to make a payment. They documented this because they let me know each time I spoke with them. A representative from the company would call me several times a day, sometime hanging up in my face to annoy me. I use my cell phone for work. This company calls me from several different numbers throughout the day which makes me think they are clients or work-related. I answered the times I was available and let a representative know that the XXXX phone number called me several times each day hanging up in my face. They said it was an auto-dialer they have that does this. I let them know this was extremely annoying and I felt harassed with all of the calls especially the ones that hung up on me. On Friday XX/XX/XXXX I spoke with Navient representative XXXX ( employee number XXXX ). I asked XXXX to discontinue the calls to my personal phone and reminded her of the arrangement I 'd made previously that I would call before the end of the month to make a payment. XXXX let me know that was not a suitable arrangement. I told her that was the best arrangement I could make at this time. I 'd requested at XXXX that the call ended with the arrangement on file. XXXX refused to disconnect the call and in fact transferred me to her supervisor who continued to badger me for an explanation. I let her know that Id asked them to end the call at XXXX seconds. Supervisor XXXX ( XXXX ) also refused to disconnect the call and stayed on the line an additional XXXX minutes continually repeating my name baiting me for an argument while I remained in silence after I let her know that I would no longer be engaging due to the harsh nature of the call and my previous request to end it. After several minutes of her badgering me in silence she finally concluded that she would document the entire call and that she would be sure to call back. I am very annoyed at the badgering, the attempts by agent XXXX to bully me with her supervisor ( after I 'd asked she disconnect the call ) and Supervisor XXXX attempts to bait me into a verbal altercation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries in my credit report that I did n't authorize. I 've sent letters to some of the creditors and they still have n't remove the inquiry off my credit report. I also sent them a letter to prove to me that I authorize the inquiry on my credit report and I still have n't receive nothing.
The inquires are listed below.
1.   XXXX   XXXX   XXXX    XX/XX/XXXX  2.   XXXX   XXXX   XXXX   XX/XX/XXXX  3.  XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX 4. Suntrust Banks of FL  XX/XX/XXXX  5.  XXXX   XXXX   XXXX   XX/XX/XXXX  6  XXXX   XXXX   XXXX     XX/XX/XXXX 7 .   XXXX   XXXX    XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with loanDepot.com, LLC (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After using XXXX to check rates for mortgage refinancing in XXXX XXXX, I was contacted by multiple companies. One of these was Loan Depot. I was contacted by XXXX who requested some more information in order to give me a rate. I provided this information. He then stated that he would need to pull my credit in order to provide me an accurate rate. I said that I did not want my credit pulled. He then asked me why I did n't want my credit pulled, and I said because I was not really interested unless the rate would be less than the 2.75 % interest rate I already had. He was unable to assure me of that so we did not proceed. About two months later I received a letter in the mail indicating that Loan Depot had rejected my mortgage application and it was incomplete. I contacted the company to ask why I had received the letter, and they indicated it was because I had started a loan application. I said I had done nothing of the kind and they said they would investigate the situation for me. I then noticed on my credit report that XXXX had information from XXXX XXXX, 2017 for an inquiry. I called XXXX and they indicated Loan Depot had filed the inquiry. I indicated I had never given my permission and they said they would file a complaint with all three credit bureaus to dispute the information and get back to me in 60 days. I also requested the contact information for this Loan Depot organization. I spoke to XXXX XXXX and he stated they did show I had applied for a loan with them. I said I absolutely did not and the reason it would be incomplete was I never applied in the first place. He indicated there was nothing he could do. So I requested the legal department contact information. He said the legal department could be reached by mail at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never authorized my credit report to be pulled and the information I provided to Loan Depot was never stated to be used for that purpose before I provided it. If they do not rescind their errant request which was made inappropriately for my credit report I plan to pursue legal action against them to stop them from taking other customers ' information without authorization and would appreciate your follow-up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (MA).
Issue: Struggling to pay mortgage

Complaint: Im writing to you today hoping you can stop the bank from taking my house. My troubles started back in 2009, when everything seemed to fall apart for me. My husband and I started divorce proceedings. Things wouldnt have gotten so far out of hand if I had received the payments that were awarded to me once the divorce was finalized. It took another four years, and his arrest to get this resolved. 

During this stressful time, I was battling medical issues of my own that made it impossible to work. As I recovered and started seeing income again, I approached the bank about getting caught up. It was my home, and Id do everything in my power to keep it. 

I had tried my best to keep up. When I did have money to give to the bank, they refused it, saying I needed to pay everything right then. When I said I couldnt pay that much money at once, Seterus said they would had an assistance program. I was provided a list of documents to submit, which I did. This is where things went really bad. My paperwork was lost, misplaced, etc. multiple times. I would talk to a different person every time I called in, and they would always offer to send me information Id never get. My application is sitting at Seterus Bank, and my mortgage is getting further and further behind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AZ).
Issue: Managing the loan or lease

Complaint: Ally Financial is reporting our car loan as 30 days delinquent for XXXX 2015 ; this is an error as we bought a new vehicle during this period of time and refinanced this loan as part of the new vehicle loan ; the approval for the new loan extended beyond the due date for the old loan, but, of course we did not pay because the new financing was still in the approval process ; we were informed by an agent at Ally Financial that this would NOT affect our credit ; however, we now find that Ally Financial is reporting to both my husband and my credit report that we were 30 days late on the old loan for XXXX 2015, in spite of what they previously told us! 
We have disputed this erroneous reporting both with the credit reporting agencies and directly with Ally Financial and Ally Financial arrogantly refuses to change it ; this erroneous reporting is hurting our credit but Ally Financial obviously does not care! We have been approved for the new car loan and have faithfully made our payments ; further, we have been faithful customers of Ally Financial for some time and have consistently made our payments on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a call from Asset Recovery Associates, XXXX. XXXX XXXX, XXXX XXXX, Il XXXX. 
There phone number is XXXX XXXX XXXX Initially they represented that I was the beneficiary of a class action recovery involving XXXX XXXX. I informed that I have never had a XXXX XXXX nor aware of any details and therefore not involved. 
Their conversation pivoted and they claimed that I owed over {$15000.00} and had not responded to a previous letter. I informed that I have not seen their previous correspondence and that I had no account relationship with XXXX XXXX and I had nothing more to say and on this topic. 
I received a letter from XXXX XXXX dated XXXX/XXXX/XXXX demanding payment and insinuating that they would report derogatory information to the credit bureaus if the account is not paid in full. 
Additional Information - See Photo of Collection Letter - The account referenced is XXXX XXXX - XXXX XXXX, Account # XXXX, Balance {$15000.00}, Asset Recovery Associates # XXXX My Name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX Mn XXXX, phone XXXX XXXX XXXX, email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Columbia Recovery Group LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am continually being harassed by a Debt Collector who has charged me with miscellaneous charges from my former landlord. 

I am in dispute with my former landlord over their refusal to return unto me my security deposit for the sum of {$2100.00}. They are also charging me above and beyond my security deposit of {$1100.00} plus interest for alleged damages. 

I have asked repeatedly for proof of this collection notice and alleged damages and neither the landlord or the debt collection company has provided any, yet they continue to harass me with threatening phone calls while assessing additional fees charged to me. 

I have carefully documented my departure of my former residence and the lease agreement, which I was in full compliance with. 

The Residential Landlord Tenant Act of the State of Washington, required landlords to conduct a Move in Inspection and written checklist, with the tenant at the time of move in. Because the landlord did not do this, I am demanding my security deposit back in full. 

RCW XXXX specifies that the landlord is liable to the tenant for the amount of the deposit, and the prevailing party may recover court costs and reasonable attorneys ' fees. 

RCW XXXX requires all landlords in the State of Washington to refund all security deposits within 14 days of vacancy from the tenant. Since I had given notice and which was indicated by the amended lease agreement that I would be vacating the premises prior to the termination of the lease, my former landlord had ample time to refund the security deposit and or send a written letter indicating why they are holding it back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (GA).
Issue: Account opening, closing, or management

Complaint: We are attempting to purchase a XXXX property held by Chase. We made the offer for a property in pretty bad shape. In the meantime while waiting for them to sign the contract, A tree had fallen onto the property. We purchased the property as is which did not include the tree. Now Chase is telling us if we want the property we need to pay for the tree removal. This company has done everything possible to torpedo the sale because they have another higher priced offer available. They have been impossible to work with and using their size to bully us into an agreement that we do not want nor can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing statement

Complaint: American Express Corp. overcharged my account on numerous occasions. After adding my credit card statement by calculator, I come to a different amount than their computer calculator every single time. I pay the amount " due '', however, I called on XXXX specific incident and they took XXXX hours of my time arguing back and forth with me to finally realize I was right - the computer made a mistake and they credited my account. However, it 's showing up more than ever and I do not believe I am the only XXXX blinding paying more than what 's due ...

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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  inc has listed collection accounts on my credit report.  XXXX  has not provided me with service details.  XXXX  inc is not licensed in the state of Florida to collect on debt.

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 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I  XXXX   XXXX  file a CFPB complaint as I believe th at Ocwen Federal  Servicing is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My   XXXX    credit report shown my firs t 30-day l ate payment for  XX/XX/XXXX . That would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my  Ocwen  account would come off  XX/XX/XXXX .  Ocwen  also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe that 7-year rule would already apply and that the Ocwen account should already be removed. Accordingly, I will be satisfied with a  XX/XX/XXXX  removal date. The  XXXX  credit report has cut off the same six-years of payment history, and shows a beginning date of XX/XX/XXXX  The  XXXX  credit report showing  XX/XX/XXXX  is acceptable, and I need verification from  Ocwen Loan  Servicing that the account information will be remove XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Disputed twice with XXXX. This debt does not belong to me. XXXX keeps sending debt to various collection agencies.

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 07/26/2017 about Debt collection (Other debt) with ERC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled service with XXXX due to poor customer service, poor phone coverage, and had a second user whom I did not know on the phone number XXXX which was supposed to be a unique number for me. In short, I received text messages from XXXX for sales pitches that I did not request and specifically requested by text and by mail that XXXX not contact me via text with any sales pitches due to the limited memory of my phone and my need for text messages due to hearing loss. I also received several pornographic pictures though it is not clear where those pictures were sent from as no phone number was attached. I informed XXXX that I would cancel my service if any more text messages were received and if they did not clear up the second user of that same phone number. I did NOT have a contract as my phone was my own and I paid for monthly service. I have now received a dunning notice for ERC claiming I owe {$160.00} for XXXX, and I also received a phone call from someone claiming to be from XXXX on XXXX XXXX at XXXX XXXX from XXXX requesting payment. I NEVER owed {$160.00} and this would be for multiple months after I cancelled service with XXXX. I am really pissed that this substandard company with documented complaints continues to harass 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 02/19/2016 about Mortgage (Home equity loan or line of credit) with Franklin Credit Management Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I received notice from Franklin Credit on my door on XXXX/XXXX/2016 that my home was going to be foreclosed on XXXX XXXX, 2016. I had received a letter dated XXXX/XXXX/2016 that i was awarded a repayment plan and had until XXXX/XXXX/16 to respond. I met with my HUD certified foreclosure counselor the day i received the letter and we found that my profit and loss statement that I submitted had income for one year but listed expenses only for one quarter which made my income seem much higher. We submitted a letter of appeal along with supporting bank statements to show that my income was not as high as they calculated. I called in to ask if they received the appeal on that was submitted via email on XXXX/XXXX/2016 the day i received the notice of sale and they said they had not. However I still had until XX/XX/XXXX to respond to their repayment plan. I re faxed the appeal that had been emailed and have not heard back. 

that they were foreclosing my property while my loan modification was in review. The sale date is scheduled for XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS IS MY 3RD DISPUTE TO EQUIFAX AND   XXXX   IN REFRENCE TO THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I HAVE MAILED CERTIFIED LETTERS TO EVERY CREDITOR MENTIONED AND NO RESULTS. I AM REQUESTING THAT THESE FRAUDULENTS INQUIRIES BE REMOVED SOME WERE MADE 2 AND 3 DAYS IN A ROW WHICH DOESNT MAKE SENSE THAT I WOULD REQUEST MY CREDIT TO BE PULLED BACK TO BACK. I CONTACTED THE LOCAL CITY POLICE DEPARTMENT AND I HAVE FILED A POLICE REPORT THIS IS FRAUD AND UNAUTHORIZED. THERE ARE OVER   XXXX   INQUIRIES THAT I DID NOT AUTHORIZE AND I HAVE SPENT OVER 60.00 SENDING OUT XERTIFIED LETTERS TO EACH CREDITOR WHICH I SENT COPIES TO EACH CREDIT BUREAU SHOWING I DID MY PART. AT THIS TIME I AM ASKING THAT THE FOLLOWING INQURIES BE REMOVED FROM MY CREDIT FILE THAT I DID NOT AUTHORIZE. EACH CREDIT BUREAU HAS A COPY OF MY FORMAL POLICE REPORTS FROM IDENTITY THEFT. MOST OF THE INQUIRIES WERE FOR ONLINE AUTO LOANS. PLEASE REMOVE FROM CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The bureaus are reporting a bankruptcy Under the new law effective XXXX XXXX 2017 any public record data must include name address as well as SSN. or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried REPEATEDLY to get my free annual report from Equifax. When the questions came up it would say that they were wrong and that I had to send in a copy of my license to get my report. FINALLY after another month my report finally came HOWEVER I recently had and identity theft incident of someone using my information to apply for a credit card. It HAS BEEN reported to the company and the police but it takes months to fix this AND it would be more easily traceable if a copy of my license was n't out there when they should have allowed the questions to approve my identity. After searching online I see that it is common issue with getting the free annual credit report for EQUIFAX and I want it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent in XXXX dispute letters and also attached a copy of my driver 's license and current utility bill confirming that the dispute letters are coming directly from me. I then received a reply from Experian stating that they think my dispute was suspicious and that it was not from me. I then called them when i received the suspicious letter to confirm that the dispute letters are coming from me. A few weeks later, I then again received another suspicious letter from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation