milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I Q Data International, or RentCollect or whatever new name they choose to use, is a collection agency with hundreds of XXXX, CFPB and XXXX complaints. In my case, they ignored documentary evidence that no debt was owed and instead colluded with a property management company to fraudulently collect " past due '' accounts based on invalid information provided by the " creditor ''. What is especially insidious about this collection agency is that they do not verify the legitimacy of the debt and even after they have enough information to NOT pursue an invalid debt, they merely move forward with collection efforts and try to damage the victim 's credit rating. They claim to operate an ethical and legal business when, in fact, it is clear they do not. To be blunt, I Q Data is a crooked operation that attempts to collect invalid debts. The only way to deal with this company is to retain an attorney. They know they have been retained to collect money from victims who do not owe anything to a property management company. They willingly participate in a shakedown of renters.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My original mortgage was with XXXX XXXX XXXX ( XXXX ) when it went bankrupt XXXX took over ( XXXX ). We made our payments to them faithfully. In XXXX we applied for a loan modification to lower our interest rate from 6.75 % and they set us up with XXXX Modifications.Loan. Our interest rate went to 6.625 %, with payments of {$2100.00}. beginning XXXX/XXXX/XXXX. We paid these monthly and it even shows on a copy of the Verification of Mortgage 0 late payments as of XXXX when XXXX XXXX XXXX XXXX XXXX took over collecting my payments. Again, I never missed a payment, nor did I make any late payments with XXXX. In XXXX XXXX I was informed that Ditech Financial LLC would be now collecting my mortgage. The first payment to them was for the XXXX payment. Again, I have not missed making a payment or paid late. In XXXX of XXXX I chose to refinance with another company and requested a V of M from Ditech and instead received a notice that my mortgage was 3 months delinquent and I had 30 days to pay up or my home would go into foreclosure. WOW!!!! We quickly got the money and paid it, figuring we could have the mortgage audited. I sent all the paper work and a letter requesting the audit XXXX XXXX XXXX. I received a letter confirming that they got it and were reviewing and I would hear back in 30 days. Guess what?? No resolution and no one can find the paperwork. Going forward, my new mortgage company requested a V of M on the XXXX XXXX form in XXXX XXXX and we finally received it the end of XXXX. The portion asking for " # of late payments in the last 12 months '' has a 6 in the space. I have not only my portions of ALL the Cashier 's checks, but also copies of ALL the CASHED checks to Ditech and XXXX. I feel that Ditech is holding us hostage as I am only getting the run around, no return calls, mostly condensation from the " Supervisors, STRESS and ANGER. I also find it very annoying when the person at Ditech frequently points out that " they could refinance my loan. '' REALLY!!! I really need help as this whole cluster mess is causing great stress not only on me but my family. I have been crying almost every night I get home and have to call Ditech and try to explain everything over and then to get transferred to " someone who can help '', only to have to explain AGAIN. The frustration is getting too great. PLEASE HELP!!!! You are my last hope.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed an " Adverse Account '' with Transunion multiple times in reference to an old account which is : XXXX Bank, a revolving credit card account which I included in my Chapter XXXX Bankruptcy filed on : XXXX XXXX, XXXX. XXXX stated they did not XXXX I filed for bankruptcy until XXXX in which they then closed the account. 

I submitted a letter to XXXX regarding the closing date which they admitted was in error, and should have been in XXXX not XXXX, but have not responded to my letters, or have submitted this correction to Transunion, so Transunion can delete this account from my file. 

Transunion stated that by me continuing to dispute this information was frivolous, and that they were reporting this information correctly with the Fair Credit Reporting Bureau. Transunion is reporting this information with " account included in bankruptcy under " Pay Status '', and Chapter XXXX Bankruptcy under " Remarks. '' Transunion removed the Chapter XXXX Bankruptcy from my file, but not the XXXX account, which should have been removed in XXXX XXXX, XXXX. 

Transunion has the removal date as : XXXX XXXX, XXXX, not XXXX XXXX, XXXX, which would make this account 9 years old. 

I am requesting that Transunion update, and remove this account immediately from my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX XXXX I sent a letter to XXXX requesting that they remove two inaccurately reported 90-day late payments from XXXX XXXX from my credit report. All 8 of my federal student loans which were serviced by XXXX XXXX were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXX in XXXX showing the dates of my forbearance which included XXXX XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly XXXX " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with XXXX. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.

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 Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was involved in a security breach. I received no notification about this until it came out in news reports, but my information appears to have been compromised according to a website they put up on XXXX XXXX, 2017. The amount of personal information they possess can be used to destroy someones finances.

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 12-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MN).
Issue: Unsolicited issuance of credit card

Complaint: I looked into the terms of a loan which was offered through my American Express card. 
The loan was through " XXXX ''. I did not agree to the loan as the interest rate was not low enough. I declined the loan by stating " no thanks '' on the signature line. The money was transferred into my bank account even though I declined the loan. I called them and they would not assist me in reversing this. They only told me to pay the money back and gave me an address. I feel they should have been responsible to fix this. I do n't think they should be allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: i was a victim of XXXX XXXX XXXX XXXX XXXX kids. Barclays re. card # XXXX. Barclays dropped my credit limit just below my balance on the statement cut-off date for the purpose of sabotaging my already struggling credit score.  the drop in credit line for {$100.00} has no appreciable affect towards risk credit portfolio management. the credit line was lowered by Barclays just enough to trigger an over the limit credit reporting to the major credit bureaus. It is an abusive and malicious credit practice. Barclays has done this multiple times to me, my husband, and many people whom i am aware. the frivolous lowering of credit lines on tens of thousands of their customers accounts in order to stab them in the back and deliberately damage their own customers credit scores, and for no other apparent reason besides that. my husband concurs, the Barclays portfolio management team are a group of sociopaths with tiny XXXX who just resent and continually abuse their customers. abusive and deceptive credit practices by Barclays.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: SECURITY FREEZEI live in Indiana and so I 'm entitled to place a security freeze on my report. I had no problem doing so online with XXXX and XXXX. But EXPERIAN on XXXX/XXXX/2015 and again XXXX/XXXX/2015 would not do so online - giving the message '' We were unable to honor your request ... based on the ( same ) information you entered '' NO info or explanation was given. I was told to MAIL lengthy and onerous info to obtain the freeze ( eg copies of govt ID, utility bill, along with all my info = SS, DOB, past addresses, etc ) Since the other agencies had no problem, I have to believe that Experian is doing everything possible to make it as difficult as possible in order to discourage consumers from placing a freeze on their account. 
In that my personal info was likely obtained in the XXXX XXXX XXXX data breach, Experian should be held strictly liable for any damages I incur from their failure to implement a timely Security Freeze.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I attended  XXXX   XXXX   XXXX   XXXX ,  XXXX  through  XXXX ,  XXXX  and received my Associates in  XXXX   XXXX   XXXX   XXXX  with a GPA of  XXXX . In talking with the recruiter, I feel I was wrongly advised to take on loans which I was not, and would not be after graduation, prepared to repay. When I was nearing graduation, I sought help with the job placement department and was told to wait until my final quarter until I could receive any help. I found the jobs I was offered to be very low in wages, nothing near the advertised salaries for graduates in my field. I was told that  XXXX  had a close relationship with employers, who had several training points that  XXXX  would train us on but upon entering the job market, I realized the technology I was taught was outdated and too broad to be considered useful in the real world.     I owe {$30000.00} in my federal loans. I am not able to pay them back. I am currently in forbearance but my interest continues to accrue. I have paid several  XXXX  dollars in interest in the past  XXXX  years and am not able to keep up with the growing interest, or pay back a significant amount of the principal.     The education I received was incredibly lacking and was catered for the students who were doing the bare minimum. All too often, when asking clarifying questions, the teacher would tell me they did not have the time to answer my question or that the curriculum did n't allow for such depth of knowledge.   In class problem solving was not teaching me the way the technology worked, it was a controlled environment, meant for the laziest of students to find the obvious answers. When I asked the teachers for help with problem solving, I was told to confer with my peers, who were just as unprepared as myself. Our team would tirelessly work to solve the problem, unable to learn the principle. Other students, who chronically misbehaved and underperformed, were given a passing grade for doing much less work. We all received the common denominator level of education. My education was largely the result of my own efforts, reading the text book several times over, doing independent research online on the subjects. In class learning was a very base level education on outdated technologies, and in way too many fields of study. There was not sufficient time to learn any of the topics as the curriculum was constantly moving onto the next field with the very broad " computer and electronics engineering technology '' area of study.            XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THIS IS A MEDICAL EXPENSE COVERED BY MY EMPLOYER HEALTH INSURANCE - MY WIFE WAS PRESSURED INTO MAKING A PAYMENT & WAS TOLD IF SHE PAID HALF NOW THEY WOULD WRITE DOWN REMAINING MEDICAL BILL - SHE PAID HALF OF WHAT THEY WERE ASKING FOR & DID STOP THIER HARASSING CALL BUT DID NOT UPDATE CREDIT REPORT. NOW AFTER 7YRS SINCE SAID XXXX IS STILL SHOWING UP ON CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In A Befitting Manner And With A Humble Submission Would Like To Inform you that we " XXXX & XXXX XXXX '' are the customers of Wells Fargo Bank since XXXX till date.We have Bussiness, crown checking ( XXXX ), Safe deposts vault ( XXXX ) and more than anything we have PRIME EQUITY LINE AND HOME EQUITY LINE OF CREDITS WITH THEM. SINCE WE BORROW THIS MONEY FROM THE BANK IT NEVER HAPPENED THAT WE MISSED ANY PAYMENT, NEVER HAPPENED THAT WE MADE UNDER PAYMENT FROM THE MENTIONED AMOUNT INSTEAD WE ALWAYS PAY MORE TO REDUCE THE PRINCIPAL. 
WE PAY ONLINE ALWAYS FROM OUR CHEQUING ACCOUNT. WE MADE AN APPEAL TO THE BANK, '' SAYING INSTEAD OF MAKING XXXX PAYMENTS FOR THE SAME BANK, SAME CUSTOMERS PLEASE MERGE THESE XXXX ACCOUNTS IN XXXX SO THAT WE CAN MAKE XXXX PAYMENT WITH A FIXED RATE OF 30 YEARS INTEREST. NO MATTER WHAT IS OUR CURRENT INCOME, WHAT WILL BE OUR FUTURE INCOME AND WHAT WAS OUR PASSED INCOME BANK DOES NOT NEED TO BE WORRY, WORRIED OR WOULD BE WORRY FOR ITS PAYMENTS. 
AFTER SUBMITTING ALL THE DOCUMENTS THEY HAVE TURNED OUR REQUEST DOWN SAYING SINCE IT IS A NEW APPLICATION WHICH IS NEITHER A DEBT CONCILIDATION ACCOUNT NOR ANYTHING ELSE IN THAT NATURE EXCEPT THE MERGING OF XXXX ACTIVE LINE OF CREDITS ACCOUNTS WHER ALL REMAING PARAMETERS ARE THE SAME.TO US WE STONGLY BELIEVE THAT THE DECISION WAS NOT TAKEN IN A PROPER WAY THE WAY IT SUPPOSED TO BE.WE ARE VERY PROUD THAT WE IARE IN BANK 'S VERY GOOD CUSTOMERS LIST. BUT WHERE IS REWARD OF BEING LOYAL? WE BELIEVE THAT THIS APPEAL HAS NOTHING TO DO WITH OUR INCOME, CURRENT PRICE OF THE HOUSE OR ANY OTHER THINGS IN OUR OPINIONS AS LONG AS BANK IS GETTING ITS PAYMENT. 
WE WOULD HIGHLY APPRECIATE WITH YOUR HELP IF WE CAN HAVE THIS PRIVELLIAGE OF HAVING THESE XXXX ACCOUNTS IN XXXX WILL BE A GREAT VICTORY FOR US AND IN THE LONG RUN WE BELIEVE THAT THE NEW SINGLE LOAN WILL BE PAID OFF MUCH MORE FASTER AND WILL ALSO BE ABLE TO SAVE MONEY. 
THANKING YOU IN ADVANCE FOR YOUR COOPERATION & UNDERSTANDING SINCERELY XXXX ; XXXX XXXX XXXX XXXX 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 03-11-2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a dispute regarding some deliquencies reported on my credit report by my student loan XXXX where I was granted a forbearance prior to the date of the delinquencies through a date after the delinquencies, and requested that my information be updated pursuant to FCRA 623a2B stating that Information must be updated as it becomes available! I sent the information in and the credit reporting agency did not update my information or investigate the information with the creditor and have them verify or respond to the updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Bottom line is this has been the worst brokerage and banking relationship I have ever experienced. Considering I have always attempted to try to build a solid relationship with any company I deal with, in this case, being with Scottrade, especially in the end, it was highly disruptive to my life financially. 

A day ago, this company closed my account without warning, claiming I was using my account for business purchases and that it was company policy to do so. Sure, there was much activity in my account. But who 's to say I was making these purchases for personal reasons?! And further, who the heck tells me how to spend my money?! I work XXXX hard for the money that I both earn and trade, and it carries heavy weight in my everyday life. So when Scottrade XXXX my account with an over {$60000.00} balance, it created a strong hindrance from that point on. 

Bill payments had to be delayed, and simple everyday operations had to be placed on hold. Never in my life had I receive such low disregard and terrible treatment for a loyal customer. And to further the disgust of company operations, when I wanted to speak with a supervisor about all of this, I was transferred to my local branch instead and had to deal with a middle associate. 

I would love to point out that there were n't any illegal transactions made, no negative balances occurred, or no tainted or disrespectful conversation or acknowledgment toward staff. I honestly ca n't think of anything I did to deserve this type of treatment. I only made purchases and completed needed transactions when I needed to. I only used a bank account in a way that a bank account was used for. Overall, this company should be much better than it is. And I would n't return within its ranks, even if it paid me $ XXXX to do so.

Company response to consumer: Closed
Consumer complaint received 11/23/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Credit decision / Underwriting

Complaint: I reviewed my credit report to find Chase Mortgage making monthly inquiries into my credit using soft inquires. I find it odd to have so many inquiries without an off being sent to me. I believe someone in their organization is abusing their authority when it comes to checking people 's credit. 

The true issue is I do n't even have a mortgage lol an with chase.so it leads me to believe Chase does not monitor or audit the people who are allowed to make credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivable Recovery Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I HAVE ASKED FOR VERIFICATION THAT THIS DEBT BELONGS TO ME AND IT HAS NOT BEEN PROVIDED.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage service company, OCWEN, failed to comply with MD XXXX XXXX for timely disbursement of our surplus escrow balance within 60 days from receipt our request and OCWEN 's agreement to discontinue monthly escrow collection by OCWEN for annual payment of our property taxes and insurance. OCWEN initiated internal disbursement procedures in XXXX of 2015, but has no explanation why the disbursement was never completed and continued to hold and draw interest on more than {$4000.00} in our escrow without any action until we complained and demanded disbursement on XXXX/XXXX/2015 and XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Arnold Scott Harris, P.C. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The firm of XXXX Arnold Harris not only filed this garnishment with false information, they knew my correct address at the time of filing but chose not to inform me so I could dispute the claim. They have a document that does not add up to the amount the received. The court document shows a judgement of {$1800.00} plus their fee of {$840.00} for a total of {$3600.00}. I 'm sorry but where I went to school that only adds up to {$2600.00}. Then not only did they over collect for that amount they received an extra {$95.00} over the {$3600.00}. I have given them plenty of time for them to refund all of the overages but as I figured their dishonest approach to collections also includes theft. I have read a lot of the complaints of this company and wonder why they are still in business. I thought these underhanded thug like tactics were against the law and why the CFPB was created. this company has violated every collection policy they can and should be held responsible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation