milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (MA).
Issue: Loan modification,collection,foreclosure

Complaint: A former servicer failed to respond to a timely Request for Information and Notice of Error concerning improper handling of a modification application and transfer. 
On XXXX XXXX, XXXX, Roundpoint Mortgage Servicing Corp. received the borrower 's RFI and NOE according to USPS tracking of the certified mailing. An acknowledgement notice was sent by Roundpoint on XXXX XXXX, XXXX indicating receipt of the RFI/NOE on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Roundpoint issued an extension notice until XXXX XXXX, XXXX for its response. ( While the XXXX XXXX notice was in the mail, the borrowers sent a NOE on XXXX XXXX complaining about the failure to reply to the RFI/NOE. ) No response to the original RFI/NOE has been received and it is 8 days after the XXXX XXXX deadline. No response to the XXXX XXXX XXXX has been received. 
The original RFI seeks a copy of the loan transfer schedule that Roundpoint made when it transfered servicing of the loan in XXXX XXXX to XXXX XXXX XXXX. The RFI also requests other documents relating to the transfer of the borrowers ' loan. 
The original NOE concerns the possible failure of Roundpoint to list the borrowers ' loan as a HAMP eligible loan at the time of transfer. The borrowers had submitted a HAMP modification application to Roundpoint prior to the transfer and had not received notice of eligibility or ineligibility for HAMP. The NOE requested that Roundpoint correct for this error by amending the loan transfer schedule to list the borrowers ' loan as a HAMP eligible loan. 
Prior to the RFI/NOE, the borrowers had made a request to XXXX XXXX for a HAMP Modification, but XXXX denied the request because the loan was not listed as HAMP eligible at transfer and XXXX is not a HAMP participant. The borrowers desire a HAMP modification to preserve homeownership for a property that they have lived in with their family for 31 years.

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 12-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I notified two company by the name of XXXX XXXX XXXX XXXX and XXXX XXXX, on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX both by U.S. Postal Service regarding an alleged debt of XXXX dollars. I have reason to believe I do not owe this debt because I believe they have me confused with a different person, and because the alleged debt is so old it no longer owe it under state law. This debt does not show up on my credit report. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts in [ my state ]. 
Non of these information was provided to me I also noted that Because I was writing the company within 30 days of being notified by the company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

They continued to move forward to collect the alleged debt from me and garnish wages without validation. 
This a violation of the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Regarding the Equifax security breach : After following all instructions, I found that my wife and I were both affected by the security breach from 6 weeks ago. I proceeded to enroll in the credit monitoring service, at which time I encountered the following message : " Thank You Your enrollment date for TrustedID Premier is : XX/XX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process. 

For more information visit the FAQ page. '' I have been provided credit monitoring service a couple of times from various breaches over the years but the enrollment was always instant. 

It strikes me as very disingenuous to provide free credit monitoring for a year while then placing the responsibility on me to not only remember an enrollment date but also a non obvious URL. Equifax is trying to " Do what is right for the consumer '' while at the same time ensuring they have to provide a rather expensive service to as few consumers as possible. 

An easy fix would be to gather an email address and email their effected " Customers '' when they are able to enroll. I put " Customers '' in quotes simply because I have never directly elected to do business with this company and if I had my druthers, I would not do business with them in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am the victim of identity theft. I submitted my police report, affidavit and items in dispute to Experian as they requested and the accounts opened due to identity theft are still reflecting on my credit report in violation of the XXXX that is supposed to protect me from this. Once I give them the identity theft police report, they are supposed to block this information from being reflected and they never did and still are not. They are not following the FCRA or our XXXX that is supposed to protect us from this. 

Experian even said that they contacted a creditor ( XXXX ) in XXXX that is no longer in business due to bankruptcy and is nowhere in the list of businesses conducting business in New York State.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2017 about Consumer Loan (Installment loan) with Alliant Capital Management LLC (DE).
Issue: Problems when you are unable to pay

Complaint: I asked for a workout plan and they were not willing to help me ... .I am experiencing a huge hardship. I am receiving calls at my place of business daily from Alliant Capital Management Llc. I hang up once they get rude and they will call back using different extension to get transferred back to my office to continue the harassment. At times when I hung up they would just keep calling my office number back to back for 15 to 20 minutes. They have given information about me to other people without my consent at my job and have called family and upset them ... making them think I am in trouble. I am not comfortable with the nature of these calls and they are threatening to come to my job ... .The company is representing XXXX @ XXXX ... .their name is Alliant Capital Llc Management ... their address is XXXX XXXX XXXX XXXX XXXX, Ny. XXXX and their phone number is XXXX.This is causing me problems at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (I do not know) with AFNI INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection company will not validate the account. this account is not mine also it is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX, XXXX, I received a credit alert regarding an unpaid medical balance for alleged services received at the XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX. I have never visited the XXXX XXXX XXXX XXXX facility for any type of services. I made several attempts to clarify that this information is erroneous, inaccurate, and false, and that this debt do not belong to me. Unfortunately, Central Financial Control, the collecting agency reported my name as delinquent to several credit Report Agencies with further potential damages to my credit. The information provided to these Credit Report Agencies is invalid, inaccurate, and false.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Every Credit Report is showing different scores.

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 08/18/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: When you think of danger and consumer XXXX - the CHAIRMAN OF USSA BANK AND ALL AND I MEAN ALL OF ITS PRODUCTS are not the top of the list, but the very top of the list. Federal Trade commission is still a little blind to this, I do not know if there is something going on under the table with this company cause I know thousands and thousands of people who have had similar issues like me. CEO XXXX my life, destroyed it, he lied and LAUIGHED VERY HARD over the phone telling me he enjoyed keeping and taking my money. All my bills paid on time, all insurance issues, I did reports and police reports and all. USAA BANK illegally closed bank account and kept money and they have not complied with the law and I can prove it this is XXXX of over 75 legal issues I have I want justice and regulators get on the ball with this company and fire CHAIRMAN, ceo XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX needs be put in jail for fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My checking account with Sun trust Bank went overdraft due to a payment I made to a collection company, I only had available {$77.00} when the {$100.00} payment was withdraw from the account creating an overdraft. Ad ditionally, the bank charged me a {$36.00} overdraft fee for an automatic insurance added by them and  XXXX .. for being extended overdraft. I 'm supposed to deposit {$180.00} for overdraft of which {$140.00} are fees. I called the customer service line, and they declined to make the adjustments even though the valid amount of money I am overdraft is less than  XXXX .. Needless to say, {$140.00} overdraft fees in a week is detriment to the consumer and if do n't have the {$180.00} to deposit now they told me I was going to continue to receive a {$36.00} every 4 days until I covered the overdraft amount. How do you allow a bank to charge those excessive fee 's. I am trying to pay my bill, s to catch up and this crazy overdraft fee policies will impede me from paying, or even buying food for me and my family. I understand I went over for not checking the available balance but a {$140.00} for having less than {$50.00} dollars in my checking account is outrageous.

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 10/20/2017 about Debt collection (Private student loan debt) with Upstart Holdings, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: UPSTART NETWORK INC is reporting that {$31000.00} is owed to them and listed as a derogatory account, yet I DID NOT open an account with Upstart Network Inc. According to XXXX and XXXX, this loan is a private education loan, yet I am not in school. I enlisted in the XXXX in XXXX, and I have been an XXXX XXXX service member since that time. I get XXXX in less than one month, and I need this rectified quickly. 

I have maintained credit freezes on all three credit bureaus, due to identity theft. Upstart Network Inc. is reporting on my XXXX and XXXX credit reports. Upstart Network Inc needs to remove the derogatory collections accounts from my credit files. I give the CFPB permission to post this publically, so other consumers can be aware of the unlawful business practices Upstart Network Inc carries out.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am being contacted by a debt collection company for a debt that is not mine. I believe this debt is a result of identity theft. This company has not validated this debt per my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (PA).
Issue: Unexpected or other fees

Complaint: I am trying to send money to a friend via PayPal. I have my debit card link to PayPal. PayPal was going to charge me a fee of more than {$4.00} to send {$150.00} to my friend. There was marketing message ( attached ) saying that I could avoid the fee if I paid directly from my bank. I decided to make the effort to link my bank account directly. This is the same bank account that my debit card is linked to. I successfully linked the accounts. When I went to send the money to my friend PayPal did not show me the newly linked account as an option to pay my friend. Yet it still marketed to me the fee free method of paying. I inquired and was told essentially that the risk team has not deemed my bank account as eligible for this type of transaction. So the only way I can send money to my friend is through my debit card by paying the fee. This is despite the fact that the money will be drawn from the exact same account. This practice is misleading. PayPal continues to market to me to use my bank account to avoid the fee, even though I already have that account linked, they do n't show it and only show me the option to pay the fee. 

Also, why do they allow me to use my bank account to make online purchases but not to send money to friends. This seems self serving and a way to generate fees, not minimize their risk, which is their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (SC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called The CBE Group, Inc because they sent me a email about a debt which I know about. I called to make arrangements because I want to get this paid. The gentleman I spoke to had a heavy middle eastern accent and I was telling him that I will make monthly payments starting XXXX XXXX of 2016. I think his name was XXXX or XXXX ... but he told me if I do n't setup automatic withdraws his company will continue to call me. I asked him to repeat his name because I did n't understand ; His reply was that he already said his name in the beginning. That 's the XXXX negative response because I 'm the consumer who is actually trying to take care of this matter ... I do n't deserve that treatment when a company wants me to pay them. I asked for his manager and he never transferred the call to a manager ; he placed another agent or changed his voice because he sounded just like the unprofessional agent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Credit card protection / Debt protection

Complaint: Hacked my bank ( USAA ) and had a credit card sent to the XXXX. The email of this person was XXXXXXXXXXXX, I know this because he changed my primary email to his.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would like to dispute a XXXX located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/XXXX. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX, XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested Experian to investigate and remove items in my credit report that does not belong to me. They have refused to investigate causing me undue hardship and stress. In the process I have been denied credit because of these inaccurate information in my credit profile. These items are as follows:1. XXXX Bank not mine. 2. XXXX XXXX never late, 3.XXXX not my account, 4.XXXX/XXXX not mine 5.XXXX never late. 6. The XXXX XXXX XXXX not my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This Two Credit Report Agency XXXX and Equifax, has reported XXXX, XXXX Reported on CC  
Sent email and file a complaint towards the company also request the removal of the false information.

"I have paid XXXX bill on time i have copy of receipt, I proof of bill paid cash on XX/XX/2017."$XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi my name is XXXX XXXX XXXX, I am having communication problems with Experian Credit Bureau, they are failing to get back to me and my written disputes and remove XXXX collection accounts from my credit. I have XXXX accounts that appear from the same company and I have reached out to them as well. 
Experian is the only bureau reporting the information. I also have brought to their attention they have wrong names on my credit as well as addresses and employment information. It has been 3 months and the information or the accounts have not been deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX accounts

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 04/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: As per  XXXX  from Navient on  XXXX   XXXX ,2017 she has advised me she will HARASS my family and friends by phone every day until a payment is made. My name is the ONLY name associated with the account so they have no right to harass anyone. I considered this a threat.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Auto debt) with Danco Financial Services, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: , I received court document in the mail on Monday, XX/XX/XXXX regarding garnishment of my wages in the amount of {$5300.00}. The Plaintiff is Danco Financial XXXX XXXX I never received any prior notice from this company, before XX/XX/XXXX. I filed a chapter XXXX  bankruptcy inXX/XX/XXXX and if I owed this company it would have surely been listed. My bankruptcy was discharged in XX/XX/XXXX I am disputing there claim.
I am a temporary employee and may only work a week or two at a time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: National Credit Systems has failed to provide itemized documentation for the account that is listed on my credit report. The last activity on this account was XX/XX/XXXX and for the state of TN the statue of limitations is 6 years. I want this account removed immediately. I have repeatedly disputed this account over the years and it always comes back verified without documentation being provided to me. I was denied a job due to this one and only collection on my whole report. I 'm not able to qualify for a mortgage loan as well until this is rectified. I need this corrected as soon as possible. I recently disputed this via XXXX and it came back on the XX/XX/XXXX day as verified again.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been trying to get validation of debt on this account Since  XXXX   2017 . I have contacted SOUTHWEST CREDIT SYSTEMS through all  XXXX  credit reporting agencys still no response. This error is making it difficult for me to be approved for credit

Company response to consumer: Closed with explanation