milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2017 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Call constantly from spoofed numbers with a partially recorded voice and an automated voice stipulating that several complaints have been filed in their office and cooperation is mandatory. This has been going on for several months. the spoofed number is XXXX. The call back number is XXXX XXXX XXXX. XXXX XXXX XXXX. I received 2 calls on XXXX, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17. This is as far back as my call history goes. I told them if they wanted to take legal action then they need to file in XXXX county Texas against me and other than that they need to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've had on several occasions, problems with my payment to hit my account. I called Navient the past two months wondering why my normal monthly payment of XXXX dollars says XXXX dollars on my Navient app. They would tell me they did not recieve a payment then put me on hold for a brief moment. Both times the representative came back on and told me he found my payment but it has n't been confirmed yet. I questioned them multiple times why I have to call every month asking why my payment is not up to dat. I was hoping somebody would catch on to their antics. I just hope I have n't lost miney because I 'm a very dedicated customer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech has refused to suspend the Foreclosure Auction on our property, scheduled in two days, on XXXX XXXX, 2016. They have not responded to any of the allegations in our first Complaint to CFPB other than to postpone for sixty days for a modification, which is not complete as we just finished our tax return. We applied for a preliminary injunction which was denied on notice grounds and because the judge said he was not convinced we could succeed on the merits, which is NOT the applicable standard of review. RAther, we have raised serious, substantial questions about the validity of our mortgage and note documents and a temporary STAY of the foreclosure is the only reasonable action. So Monday morning I will go back and try to get a ruling that Ditech is REQUIRED to meet with us in person pursuant to HUD regulations, as evidenced by the note they dropped off at our door asking us to " contact our office to arrange a meeting to discuss your account. '' Another person got an injunction yesterday based on that regulation, while my handicapped husband and our XXXX year old daughter were turned away by the same judge. This process is a DISGRACE and the CFPB needs to get more aggressive with these Lenders to force them to comply with the law. I called the Ditech supervisor TEN TIMES over the last two days and he refuses to call me back. If our home is sold on Monday I am going to sue everybody in sight, including the CFPB and the Massachusetts Attorney General, who is doing virtually nothing in this area for consumers, despite capturing XXXX and even XXXX dollars in judgments against the banks and lenders, for failing to protect our legal rights, and for causing extreme and ongoing emotional distress!!!!! 

XXXX XXXX DITECH telephone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Ex  perian is listing 11 incorrect addresses, 2 accounts I have never heard of, 2 inquiries I did n't do, a spouse/co applicant name and somebody else social security number on my credit report. Their so called investigation still left these fraudulent and erroneous items on my credit report. I am writing you asking for help.
Below is the erroneous and fraudulent information they have listed on my credit report that needs to be Removed  .     Addresses : 1.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  2.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  3.  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  4.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  5.   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  VA  XXXX  6.  XXXX   XXXX   XXXX ,  XXXX   XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  ACCOUNTS :  XXXX . Account Name :  XXXX  ACCT #  XXXX  2. Account Name :   XXXX    XXXX  ACCT #  XXXX  SPOUSE OR CO APPLICANT :  XXXX   XXXX  INQUIRIES :  XXXX  DATE :   XXXX   XXXX   XXXX       XXXX   XXXX   DATE :  XXXX   XXXX    XXXX   SOCIAL SECURITY NUMBER THAT IS NOT MINE :  XXXX    I read this weekend that a credit report is to be 100 % Accurate and timely. Well thanks to Experian putting 11 incorrect addresses, 2 incorrect accounts, 2 inquiries I did n't submit or give anybody to submit on my behalf and Experian putting another person social security number, my credit report is not close to 100 % Accurate.
Experian has failed in holding up their end of the FCRA, please have them remove the above listed fraudulent, inaccurate and erroneous information from my credit 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 non-monetary relief
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX use my identity and share my information with another person and there is 16 unauthorize hard inquiries on my credit report.My credit scores is around 500. 

Also Transunion and XXXX has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XX/XX/XXXX it was discharged on XX/XX/XXXX by Federal Judge.

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. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. was hacked yesterday. My details were leaked, according to their website. https : //www.equifaxsecurity2017.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I Contacted Champion Mortgage to make payment arrangements on {$5300.00} and was informed this amount needed to be paid in full. I had been sending Champion {$240.00} for back taxes .I am unable to pay the full amount being requested.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Auto) with Servatus Corporation (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Credit Solutions Corp. a collection agency, purchased my debt from XXXX XXXX XXXX, a sum of {$7300.00}. The date of last payment on this debt is XXXX XXXX, which means this debt ages off my credit report in XXXX XXXX. However, Credit Solutions Corp. have erroneously recorded the date of last payment as XXXX, XXXX. This is impossible as I was living overseas at the time and made no payment after XXXX XXXX. There was no activity on this XXXX XXXX XXXX account after that date. Please see attached files showing the correct dates as reported by XXXX XXXX XXXX, and the incorrect dates as reported by Credit Solutions Corp . I have attempted debt validation with all XXXX credit reporting agencies, in addition to requesting the error fixed directly with Credit Solutions Corp. with no success. I believe Credit Solution Corp is in violation Federal Fair Credit Reporting Act on this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In or about XXXX XXXX, I was XXXX program which XXXX. The boat that I was riding on for this XXXX race crashed and I suffered XXXX, which left me unable to work. I was able to obtain a reverse mortgage with XXXX at the time. I was responsible to keep up with the property taxes. I fell behind on my taxes with XXXX and they were gracious enough to allow me to pay {$210.00} per month until the {$7600.00} was paid off. After making two payments to XXXX, the loan was transferred to RMS. RMS refuses to acknowledge the payment arrangement I had with XXXX and is now threatening to foreclose on me. Two weeks ago when I called, I was informed that to avoid foreclosure, I would have to pay a lump sum of {$7600.00}. I sent RMS a chashiers check and they refused to cash it. They are claiming that they paid over a XXXX on XXXX XXXX, XXXX for my property taxes. However, I had paid the property taxes on XXXX XXXX, XXXX. I borrowed the money to pay off the balance DESPITE the fact that I was on a re-payment plan with XXXX and RMS refuses to acknowledge. Now, RMS mistakenly paid property tax which I already paid and they are refusing to stop the foreclosure process even though I jsut XXXX them a LUMP sum of {$7300.00}. Not only is RMS acting unreasonably but they are violating the agreement I reached with XXXX. Now they are going back on the amount stated to me that needed to get me out f foreclosure, I am XXXX I am over XXXX years old,, I am current with my property taxes and I just gave RMS a check for {$7300.00}. They made the mistake of paying a property tax in addition to what I paid. I am on a fixed income and I can not give them the extra {$1000.00}. Please tell them not to treat old and XXXX people in this manner. They could easily have worked with me so as to avoid foreclosure they have a lump sum of money and they want to throw this old and XXXX man on the streets when I have complied with every demand. Please help me XXXX bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (LA).
Issue: Managing, opening, or closing account

Complaint: I ca n't access my account because it says my card is not activated but the money is showing on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: To Whom It May Concern I recently disputed hard inquiries on my Equifax Credit file on XX/XX/2017 in regards to XXXX hard inquiries that was being reported on my credit report. The online dispute was submitted on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX hard inquiries that were not factual and I received the same response for All inquiries which was " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and Must be investigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my online dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I ge t 3-4 letters a month saying I applied for an amazon.com/Chase card. This is over 10 le tters now, and continuing each week.     Somebody is applying for cards in my name repeatedly, and I have called Chase twice, but they are doing nothing to stop it.     I have filed an identity theft police report, I have reported to the credit agencies, and yet Chase continues to process fraudulent applications in my name.     STOP! STOP processing account applications in my name. I am afraid that  Chase  will issue a card fraudulently to a criminal using it in my name or that I will have many hits on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The date of the debt for first delinquency is not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX I made an online mortgage payment to Carrington Mortgage Services. On XXXX I was informed that the payment was returned from my bank, so I made another payment and stored my routing number and checking account number. On XXXX i was again contacted by Carrington, who informed me that the payment was returned and that I " must have put in the wrong number. '' And, that I was turned into the credit bureau. I talked to another person on XXXX who verified, that I indeed had the correct information stored. I filed a complaint with the client advocacy department who said they would investigate -- received a phone call back, could not understand the return phone. So I have owned the home for almost 10 years, 8 1/2 which was with XXXX. Never, ever had a late payment. it is impossible to get through their main number so I go through XXXX. So the Carrington rep. on XXXX verified that the correct info. was stored, so they said they would pull the phone call. In the meantime, the only late ( false ) mortgage payment ever reported to the bureau. Plus, when I made the payments on XXXX and XXXX electronically, I received a confirmation email saying the payment was made. I believe they are committing fraud and need to be investigated because i see many other complaints online about them for similar reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: They will not respond to any of my disputes. 
XXXX XXXX XXXX for $ XXXX I have never had a student loan with XXXX XXXX XXXX XXXX 
They say this is from 2011? I did not get a student loan from these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: A hotel held funds on my debit card, but removed the hold on Tuesday, XXXX. The bank still showed the hold on the account as of XXXX, and did not provide an easy way to remove the hold from the account. The only way they would remove was with a conference call with the hotel. I called the bank through their app, which was the only contact method provided, and an option for a third party call was not available. When I told the rep this, she said she also could n't do a third party call and could n't assist me. She gave no other way to resolve the issue. This is the second or third time USAA has put the burden of resolving their errors on 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 08/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with ASTORIA BANK (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I have mortgage with Astoria Savings. In XXXX, we received a notice from Astoria stating that our mortgage would be increasing due to our 10 ARM. This doubled our mortgage form {$2500.00} to about {$4800.00}. Needless to say, we are unable to make our payments, so we asked for assistance. We were instructed to complete a loan modification application, and submit all of the appropriate documents ( hardship letter, financial information, paystubs, checking and saving acct statements, XXXX statements, etc ). The initial case was being handled by one person, and then we started dealing with another lady ( who requested the same information ). Meanwhile collections is calling us because they want to know when will be making a payment -- oh, did i forget to tell you that because we are now more than 120 days behind, they have accelerated our mortgage, which means they want at least XXXX payments ( that 's about $ XXXX ). It is now XXXX 2016, and they are still requesting information and at no point in time has our file been reviewed to see if and what kind of assistance we would be eligible for. We have reached out to HUD, but they said all they will do is provide the documents ( that Astoria already has ) to the mortgage servicer. We are concerned because we do n't have family that will be able to give us money, and if Astoria does n't grant our loan modification, we will have to file bankruptcy because they will want at least $ XXXX to stop foreclosure proceedings. I think their business practices are deceptive and that they do this to every customer that seeks assistance with no intention of ever helping out the customer. Any assistance that you could provide and if you could share this information with others to they are not subject to the same deceptive practices as we have been dealing with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with ID Analytics, Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed with SageStream ( XXXX 2016 ) inaccurate addresses, phones, and account information that they are telling the major credit bureaus. As of today, SageStream has not investigated and responded within the 30 days allowed. SageStream caused me to be denied credit at XXXX XXXX to purchase a phone for the XXXX holiday for my child because of all of the inaccuate addresses, phone numbers and credit transactions. They put a security freeze on my account instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I spent the last two hours trying to get my free credit report online. Every time I finish filling out all the information ( and there is a lot ), I get just so far, XXXX and the computer kicks me out and I have to start over. With XXXX, they wna wanted to charge me because they feel they have already given my " fee report. '' I have a XXXX issue that I need to dispute because it is keeping my small business loan from being approved. I do n't owe XXXX money. 
They failed to credit me for XXXX tablets I returned, then penalized me for going to XXXX Total is XXXX USD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Settlement process and costs

Complaint: I continue to dispute the XXXX modification, field adjustments and another XXXX they think I owe. 
In XXXX I owed {$210000.00} + {$43000.00} + {$20000.00} = {$280000.00} balance due {$150000.00} to fleet. {$55000.00} to XXXX. {$360000.00} to XXXX = {$620000.00}. 
{$140000.00} to XXXX. {$50000.00} to XXXX. 
= {$180000.00} = {$130000.00} to XXXX XXXX + {$61000.00} forclosure sale and their Attorneys value of {$78000.00} = {$130000.00} Total paid since XXXX = {>= $1,000,000} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they want MORE!? 

{$110000.00} taxes and insurance + {$44000.00} paid to credit cards - {$160000.00} + {$270000.00} balance = {$100000.00} more. 

{>= $1,000,000}. INTEREST in 17 years. 
At {$70000.00} per year this is over 25 % interest -if I pay off a {$270000.00} balance today ( I have n't even paid off the {$20000.00} from XXXX that I never refinanced ). 

XXXX XXXX XXXX released XXXX mortgages in XXXX XXXX released twice and XXXX released another loan for the second time. All of which were supposedly paid of off from the current mortgage they refuse to release. 
XXXX offered me a refinance in XXXX I did not accept or sign. I will attach

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XXXX/XXXX/2010 it has a balanced of {$4700.00}. I 'm aware of the breach that happened to XXXX and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things

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