milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The debt is over 10 years old and they threaten to sue me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EOS Holdings, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, XXXX I wrote to the company informing them that they have listed a collection on my account that is not mine. I asked the company to remove the information on my credit reports and I have not received a response from them. This item on my credit reports is inaccurate and damaging my credit. I understand that when you dispute an item on your credit reports the company needs to comply within 30 days. This company has not complied to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: I have disputed an Account on all 3 of my credit reports : XXXX XXXX XXXX FiledXX/XX/XXXX Charge off Last UpdatedXX/XX/XXXX Experian - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XXXX Reporting at the time {$15000.00} I requested that they validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from their credit file. All three Credit Bureaus replied with a letter stating " Verified ''. No Documentation was provided as requested in the letter. <P/>As a result of the Disputes I sent on XX/XX/XXXX to the Credit Bureaus, XXXX XXXX XXXX has chosen to be really spiteful by increasing my Balance with the Credit Bureaus to affect my credit report. Which has been done as my scores have dropped tremendously. <P/>XX/XX/XXXX - XXXX XXXX XXXX Increased from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Listed a New account name " XXXX XXXX ''XX/XX/XXXX -XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} All of these changes due to me disputing an account that they will not provide the documentation as requested. The Credit Bureaus did not complete a thorough investigation as they are supposed to and the account needs to be removed from all three Credit Bureaus.

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 10-02-2016 about Credit card () with DISCOVER BANK (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This is a follow up to Case # XXXX. I was originally told to wait 30 days for the CRAs to remove the inquiry. It has now been almost 8 months since I was told this would be removed and it has been over a month since this case # was supposedly resolved and yet the inquiry continues to show up as a hard inquiry on both XXXX and XXXX. This MUST be removed immediately! I will not wait another 30 days! Why does it take so long to be removed? It certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will affect my interest rates. I want this removed immediately or legal action will follow shortly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I became sick two years ago, and was XXXX for three years, and during that timewe fell behind our Mortgage payments. We obtained help for Hope for Housing, and reached out to our Lender, XXXX for a Loan Modification because our Interest rate is at 8.5 % Our Loan was originated by XXXX XXXX XXXX, a Predatory Mortgage Broker who sold to XXXX and at the time we did not realize it was not a VA Loan, because I am a retired XXXX XXXX Veteran. 
XXXX will no longer communicate with us, except to say that the Loan was transferred to Fay Servicing, who have been reluctant to offer us a Loan Modification saying we did not have enough income. Now comes XXXX and filed a Law Suit adding insult to injury. 
We resubmit with the help of a XXXX Party our request for a Loan Modification, and our Financials clearly shows our combined income of {$3200.00} afford us a Mortgage Payment of {$970.00} which is 31 % according to HAMP Guidelines. I am a XXXX Veteran of XXXX years old and my spouse is also XXXX. I am still under medical care and we want to remain in our home. Fay Servicing is vigorously pushing us to Short Sell.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Credit line increase/decrease

Complaint: Filed a chargeback dispute as a result of receiving defective merchandise from XXXX. I provided Citi with all information requested in a very timely fashion. Citi then adversely closed my dispute stating that I had not provided requested information in a timely fashion. I provided all requested information to them. At no time did they ever communicate with me that they needed additional 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 04/27/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (PA).
Issue: Managing the loan or lease

Complaint: I have a car loan through Consumer Portfolio Services. I signed the loan paper through the car dealership to pay the car off after a certain number of payments. However, I do not understand how this company works. Each time I make a payment they change the amount of money that they take of the amount of the loan and how much they charge in interest. For instance one month they took off {$58.00} the principal the next month they took of XXXX, the next month {$140.00}, then another month {$0.00}. At the rate this is going I will never pay off this car loan. I feel as though I am a victim of predatory lending. 

Also, twice I had an issue making a payment. I set up automatic payment to be drafted out of my bank account online. It was never drafted out of my account when I set it up to come out so I had to go online and make a manual payment which cost approx {$7.00}. Then recently I made an online payment with an e-check and the check was returned. I went back into my email to check the confirmation and I noticed that under the account number it had for my bank account it had my husbands social security number. There is no way I would put my husbands social security number in for my bank account number. I feel like I have been set up twice to have my payments not go through twice and have to pay a fee. I am extremely unhappy with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (IL).
Issue: Trouble during payment process

Complaint: The PMI was not automatically removed from my account when it reached the 78 %  LTV ra tio. The origional loan amount was for {$190000.00}. On  XXXX / XXXX / 2016  the remaining principal balance was {$150000.00}, just below 78 %. Since then they have still charged me {$97.00} every month for the PMI.

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 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have asked this company Navient to provide me the proper documents in order to verify and validate a loan I allegedly owe. They sent me the wrong info and this will hurt my credit for something that I do not know its mine because the proper documents have not been sent. It has been over XXXX days and by law they have to remove it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is wrongly reporting the following collection that was settled. 
They need to remove it from my credit report pronto. 
XXXX XXXX XXXX, 2015 Open {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was given custody of my grandchild after he was XXXX in the XXXX with a XXXX XXXX. Now that the XXXX Family have stolen my identity, through equifax. They are stealing my child support from social security. I was given custody on XX/XX/2011 of XXXX XXXX/aka XXXX XXXX XXXX. His DNA number is XXXX. His father DNA number is XXXX. XXXX XXXX XXXX stole my mail. Paid Attorney XXXX XXXX to conspire with her to take the child support. To say I was n't in court. Attorney XXXX overrule Honorable XXXX XXXX XXXX ruling. Docket number XXXX. XXXX XXXX never paid me child support. My child did n't pay me child support from social security. Because XXXX stole copies of my drivers linsenc, my social security card in XXXX XXXX XXXX. I 've changed my name to XXXX XXXX XXXX. My name have been spelled XXXX XXXX XXXX  & XXXX XXXX. I began using my maiden name when I learned the XXXX Family stole my identification. Attorney XXXX XXXX  placed a fraud alert on my report without my knowledge. A seven year alert. My mail was being stolen in XXXX. The United States Postal Service told me How To handle. I no longer submit a change of address. I send notices directly to who I Am contacting. I do not let any family know where I 'm living. The less any of them know about me, the safer I Am.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Unsolicited issuance of credit card

Complaint: Synchrony Bank sent me a Visa credit card, saying that I have been " upgraded to a new level of gas savings '' for my Chevron gasoline card. I did not request the Visa card and my Chevron card had not expired. When I called them yesterday to ensure it had not been activated and to say that I did not want new credit I was told by both the Representative and his supervisor that, Yes, an account had already been opened in my name. This is not a case of fraud or ID theft. This is Synchrony Bank trying to push credit on me, likely for the purpose of inflating their bottom line. Synchrony Bank has a practice of doing this as it also occurred last year with my XXXX XXXX account, for which Synchrony manages the credit. This is very similar to the XXXX XXXX situation and I am wondering what regulatory entity covers such cases of opening accounts without the permission of the consumer? I would like to file a formal complaint. This is well beyond prescreening and preapproval as they actually sent me XXXX cards and assigned account numbers. They were only willing to " cancel '' the account if I gave them identifying information about myself, specifically my social security number and address, which I was unwilling to do, so they hung up on me. Please let me know how I can file a formal complaint about this predatory practice.

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 09-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: National Credit systems has not provided me with any copies of any contracts or agreements that have my signature on it that proves that i owe the amount of debt to them in which they are reporting to credit agencies electronically and according to credit agencies National credit systems do not have to provide the them with any documents supporting there claim

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with Campus Student Funding, LLC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Campus Student Funding , LLC ( paid through XXXX ) This is a private school loan taken over by Campus Funding when XXXX was in process of bankruptcy. They bought these school loans in hopes to collect money from the students. None of this monies was personally give n to me. It all went back into XXXX

Company response to consumer: Closed
Consumer complaint received 07/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with STATE FARM BANK, FSB (MA).
Issue: Struggling to pay mortgage

Complaint: We have been trying to negotiate this short sale with State FarmXXXX for over 7 months now. During this time, we have had unbelievable issues with communication and processing. Every time we call we are given different information. We can never speak directly with the correct department or a supervisor because they are either busy or do not accept phone calls. We have filed a complaint with the escalation department and they saw no issues in the processing of the file, which is a very scary thought since they have been so unorganized and unresponsive. We were finally given a direct contact to communicate with- XXXX XXXX XXXX Although I emailed and called daily for an update, I was only just told via email from XXXX on XXXX XXXX that the file had been denied on XXXX XXXX. He could never explain to me why it took 11 days to send me the info. He wrote in his email : " If there is a new offer that you would like presented to them for review please advise and I will submit it ''. Two days later, the real estate agents informed me that the buyer would increase his offer, thereby increasing XXXX 's offer by XXXX. I immediately submitted this counter offer to XXXX via email and requested that it be submitted to the investor at once. This was on XXXX XXXX. I left several voice mails for XXXX and emailed him several times with not one single response. Every single time I have called for an update, I have been told that the file is closed out and XXXX has not touched the file since XXXX XXXX. There is never a manager in that department available and no one else can help me, all they can do is send a message for someone to call me or transfer me to XXXX 's voicemail again. FINALLY, today I received an email back from XXXX stating that he never received my email with a counter ( even though the email he replied to had the email included in it ). Then when I resent it, he said it was denied because we did not meet the investor 's counter. This is in direct contradiction to his email on the XXXX wherein he stated that if we had a new offer, he would submit it. The file has been grossly mishandled and the communication has been the worst I have ever encountered in the 200+ short sales I have handled. I would appreciate some help in having our concerns addressed and our file properly processed. XXXXState Farm has deliberately and intentionally provided false and misleading information and has engaged in unfair and deceptive practices. Our client has continuously been harmed by these unfair and deceptive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (Other mortgage) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have complained before about our family home of 23 years being stole from under us by Huntington Bank Mortage. We paid everything they asked and they still foreclosed on our house. My grandson who is XXXX XXXX XXXX now is now in counseling because of the XXXX this bank has put us threw. It took " 5 years '' to foreclose on the house according to Huntington Bank. The XXXX XXXX sheriffs office harassed us for months and we finally packed everything into a storage unit and had to leave a lot behind and left. Then on XXXX XXXX XXXX ( my daughters birthday ) they sold the house as a sheriff sale to Huntington Bank for {$48000.00} ( who " owed '' the house in the first place ). Then XXXX5 months later Huntington Bank sent me papers stating I needed to insure the house which we do not own. I called the higher up at Huntington Bank and they stated there is no record of the house being sold and/or foreclosed on. We then received another notice a month or so later stating we still needed to insure the house. Then on XXXX XXXX XXXX at XXXX we found out that the house was going up for a public auction online where the auctioneer stated the house was sold but XXXX XXXX still has the house in Huntington Bank as the owner. We have been threw XXXX with this bank and I am very disappointed in this Bank as well as XXXX XXXX. There was no professionalism at all dealing with this house and will NEVER have another bank loan again! We are currently living with family members and my daughter and grandson are now in government housing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: This loan has been is short sale approval for 6 months! We have had XXXX offers, XXXX of which have left because of the length of the process, we are about to lose the XXXX and the homeowner has lost her job again and is under much stress. XXXX XXXX XXXX. She has her agent XXXX XXXX sending this for her as she has broken English and needs assistance. We were notified of the approval of the short sale around XXXX XXXX, since then we can not get consistent communication about this short sale and three times they have requested the same information from us of which we have sent and resent and outlined the corrections to the loan officer, XXXX XXXX on which offer he should be looking at. On XXXX XXXX we sent the information below for the 3rd time! We have had no response after numerous attempts and including a cc to his supervisor : XXXX XXXX. Still no response as of XXXX XXXX, 2016. In addition we have left several voice mails since our emails have gone unanswered. Buyers have given notice today that they will resend offer XXXX XXXX due to the lack of communication and response from Wells Fargo. This home appraised for {$170000.00} and offer is for {$170000.00} with {$5000.00} in closing cost ; this should not be hard to accept! Please assist XXXX XXXX with this lender and her unfortunate circumstances.. 
XXXX XXXX XXXX Homeowner XXXX XXXX XXXX Homeowner 's Listing Real Estate Agent SEE BELOW WHICH WAS THE LAST CORRESPONDENSE SENT ON THIS : REF # XXXX XXXX XXXX XXXX XXXX XXXX NC Thank you XXXX for responding to us. We have attached the following based on what you numbered out to us in your previous email. This is the 3rd time we have sent the correct CURRENT documents and what you are apparently looking at are previous offer that no longer apply. 

1. The offer to purchase is in the amount of {$170000.00} not {$170000.00}. 
2. The HUD closing worksheet shows the correct purchase price of {$170000.00} not {$170000.00}. 
3. The attached listing agreement signed XX/XX/XXXX takes us through XX/XX/2016. 
4. The buyer is asking for concessions in the amount of {$5000.00} not {$4500.00}. We understand if there is a cut off of allowable seller concession costs but just need to know for sure the correct amount to advise the buyer. 
5. The fully signed and initialed offer to purchase is attached as well and is n't missing any seller initials. 

How fast can we get a response that you have received these and looked through them and see what we have laid out above is correct? 

Also, can you explain to us what LOW NET means.

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 02-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I keep getting calls and text messages from Hillcrest, Davidson & Associates Threatning to take legal action and credit reporting on a debt that I nothing about nor do I owe. 
I had to block their number since they will call at all times of the day and into the evening after I have told them that aim not the person they need to see or speak to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient has forwarded my account to collections and legal action because I have not paid. I have been trying to pay but due to being out of work ( even though I was trying my hardest to find work ), I could not afford any payments. I explained my situation and they would ask for my income vs expenses and agreed that I had no extra income in which to pay, yet when a manager was contacted I was told I had to pay if I did n't want further action to be taken. I felt bullied into trying to find money that I did n't have because I would receive at least 6 calls a day everyday from their different locations saying that I had to pay or I would be taken to court. I was never offered a reasonable repayment plan. I would explain to them my situation and offer an amount I could definitely pay but was continuously told that was n't enough. They kept suggesting using a credit card - which I do n't have - or ask people I know for the money. I do n't know anyone who I could ask for that money. I feel that they should have been willing to take any amount I could pay a month instead of rejecting everything I suggested. My interest has added {$1000.00} 's of dollars to my loan and this has affected my credit. Navient is now telling me that they will take me to court due to non-payment. I just got a minimum wage job and am willing to pay but that is no longer an option.

Company response to consumer: Closed with explanation