milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Debt collection (Auto debt) with Resurgent Capital Services L.P. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX / XXXX / XXXX  A judgment was placed on my credit report from LVNV Funding LLC with  XXXX ,  XXXX   XXXX   XXXX ,  XXXX  acting as the collection agency collecting the active judgment amount from the balance of {$6500.00} from a repossession in  XXXX . Although this debt was not paid the collection agency  LVNV Funding a nd  XXXX ,  XXXX    XXXX    XXXX ,  XXXX  do not have a license nor are they bonded to collect in the state of MN where this debt initiated. On all of the documents I have received from this company both names exist and neither  XXXX  come up as licensed and bonded in the MN of Department website. I would like to complain know what actions can be taken to recoup the money paid to them and get this judgment vacated and removed from my reports as it has impacted my ability to gain credit worthiness since it has been reported in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Checking or savings account (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I recently learned from XXXX that a address located in Michigan was on my credit report in 2017. 
I never lived there, visited there and as far as I know I do n't have family there. 

My drivers license have been stolen, social security card have been stolen. 
I received a letter from social security in 2017 and told to file a civil action law sue. They are aware of fraudulent activities with my social security number.

IRS is fully aware of these fraudulent transactions made persons other than myself. 

XXXX Police is investigating, several reports have been filed by me. I reported theft of my identity to the bankruptcy courts. The Supreme Court to be exact.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Care Credit has  two accounts on my credit report listed as closed one showing sold for profit loss and one showing {$370.00} past due and {$710.0 0} is the current balance due. My credit report was pulled and it shows  XXXX  accounts open months within each other with a {$800.00} credit limit. I called care credit and asked for a layout and what all services was these accounts used for. They stated they was both sold to a third party so they can no longer communicate on that account. I sent a letter asking for validation for both accounts. Never received an answer. I then did a dispute with  XXXX   XXXX  on  XXXX   XXXX ,2017. On    XXXX   XXXX  2017      XXXX   XXXX  says my dispute is closed and the account is accurate and I am responsible. Now my credit report has been updated and now showing as a open account on my credit report with a past due balance and 87 % credit utilization and the last  three m onths with missed payments. I have created a second dispute which is now pending for another 30 days.

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 09-07-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The loan was past due and XXXX XXXX XXXX applied for a loan modification with our Firm, a complete modification package was submitted to Ocwen Loan Servicing, LLC onXX/XX/XXXX, by XX/XX/XXXX we received a denial letter which stated the file was denied due to the account being more than 90 days past due ( Helping Homeowners Modification ) and option not approved by your bankruptcy attorney ( streamline Modification ).
We requested clarification as to the Bankruptcy portion of the denial letter as we represent XXXX XXXX XXXX and again a vague response as to consult with the bankruptcy attorney, After reviewing the denial letter with the bankruptcy attorney, XXXX XXXX XXXX XXXX. and she advised the denial is wrong and she has every right to apply we appealed their decision as we are the bankruptcy attorney of record and to please review the file on it 's financial merit.
On XX/XX/XXXX XX/XX/XXXX our Firm received another denial letter which had additional information but again stated XXXX XXXX XXXX was ineligible for the Ocwen streamline modification program due to an active bankruptcy.

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 01/22/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Struggling to pay mortgage

Complaint: My home is in foreclosure. I am working with Specialized Loan Servicing. I submitted a request for modification through XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX has not been active as an advocate for me to get relief from SLS. On XX/XX/XXXX I received a letter from SLS indicating they want a letter of explanation. This followed a request for a copy of my pension documents from the XXXX XXXX XXXX County, Maryland. The requester was XXXX XXXX, ID # XXXX. All of this information was to help them modify my loan to a point I can make the monthly payment. Just a few days later, before I was able to submit a letter of explanation I received a letter from XXXX XXXX ID # XXXX, dated XX/XX/XXXX ( just 4 days ) indicating my loan was modified and my trial payments were {$1500.00}. This is the same modification that was offered to me in XX/XX/XXXX. I talked with XXXX XXXX then and told her I could not make that payment due to my fixed income. I am XXXX and receive a Social Security check for {$1800.00} a month and a pension check for {$430.00}. This pension is based on my being a Volunteer XXXX XXXX XXXX for 43 years. I told XXXX XXXX in XXXX I could not afford the monthly payment and needed it to be around {$1000.00} a month. Notwithstanding she sent the same modification out so I can not afford it and they will take my home. She did not reference any of the documents sent to them by XXXX wherein I requested the lower payment. Furthermore they made their decision before I was able to send the letter into XXXX XXXX. In my opinion they are bargaining in bad faith, knowing I can not afford their modification. I have lived in my home since 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 01/27/2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted for short sale XX/XX/XXXX. On XXXX XXXX, XXXX the bank made a counter offer for {$150000.00}, which our buyer met on XXXX XXXX, XXXX. We have now been waiting for 3 weeks for any response from the bank regarding the written approval so we may move forward with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have recently received an alert from XXXX, identity theft protection, informed me that I was late on a payment for a credit card. After calling XXXX, they informed me that the account related to that matter was with City Bank. Quite a surprise to hear since I never opened a credit card or an account with City Bank. 
I was advised by one of City Bank supervisor, after a two hours on the phone, to send a fax to CBR Dispute. 
After a few weeks, I did received a letter from City Bank, asking for a copy of the credit report and my XXXX digit credit card number. AGAIN, I never opened an account or credit card myself with your company, therefore I m not able to send you those numbers since I do not have any card in my possession.

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 12-03-2016 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a bill from XXXX a couple of months ago, I called them and told them it was not my bill, I was told it was a speedy cash loan taken online. I filled a police report, sent information to XXXX and Speedy cash that this was not me. Made several calls to each of them, filed info online with government agencies, etc. I 've never taken a speedy cash loan. This is reflecting on my report. What can I do, someone took this in my name, it was not me. Ca n't they trace where the money went, obviously it did not go into my banking accounts. How can I get this cleared. Any help is so appreciated. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: in 2011 XXXX located at XXXX XXXX XXXX XXXX XXXX, OH XXXX charged me {$3900.00} for an apartments i co-signed with my ex wife. First, They refused to show my wife the apartment before signing the lease. After signing the lease the actual apartment was filthy, muddy and had sign of roaches. My ex-wife asked to cancel and they refused. They stated they would charge us XXXX months of rent regardless they rent the place the next day. They did surprisingly. It 's been reported on my credit with National Credit System, a collection company. When i contacted the manager for XXXX XXXX they refused to talk and stated i would have to talk to the collection agency. This is a violation of my rights as a peaceful citizen and a tax payer. This is a fraud since they key was never handed to us and we never had to move either since they refused to show us another apartment or even cancel the lease which they promised to do if we did not like the apartment. This place is a total bluff and a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I recently moved..Santander consumer usa was last on my list to change address. My payments are sent auto  payment from my bank to you..yesterday I went to mailbox and received my XX/XX/XXXX. statement..with my NEW address ... .Where did you get my new address? 
I haven't submitted it to you yet ... 
I have had many problems with you ... .now I would like to know HOW and WHERE you got my new address? 
Your company has caused me unnecessary stress and anxiety,,, now this?

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On or about XX/XX/XXXX I logged onto Best Buy 's website, and observed my total balance. After observing the total in the amount of XXXX ; I paid my account in full. In XX/XX/XXXX it was brought to my attention that the same account was sixty days delinquent. As soon as this was brought to my attention, I immediately paid the current and incorrect stated balance. Upon finding out how this error negatively affected my credit score, I contacted Best Buy on XX/XX/XXXX in an attempt to determine how to resolve the inaccuracy. Best Buy told me that forty dollars remained, and there was nothing they could do ; they would not accept the fact that they made an error. At this point I pleaded with the Best Buy associate ; asking why would I pay XXXX and not XXXX, and was brushed away with, " there is no difference between XXXX or XXXX XXXX, you'll have to dispute it. '' I then proceeded to XXXX, and filed on dispute. The dispute returned results on XX/XX/XXXX, but stated that the creditor 's information was accurate. I immediately called XXXX, asked a few questions, realized what they do to dispute, and was told my history meant nothing. It does not matter that I had no other negative remarks/data, or a little common sense is all that is needed to show the insanity within ruining someones hard earned credit just because the creditor says so.

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I requested free credit reports through the site annualcreditreport.com on  XXXX / XXXX /  XXXX  .  XXXX  of the companies provided the report. Equifax did not provide the report. They told me to download a form to fill out and mail in. I called them on the phone and could n't speak to anyone. My friend said this happened to her both times she requested her report in the l ast two yea rs. This is my first time requesting a report. A quick search for complaints about Equifax shows we 're not alone. This is obviously standard procedure for Equifax to force people to buy a report when they ca n't access their free report. I refuse to be victimized by a company in long term blatant violation of the law. Please investigate and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient is servicing my son 's student loans. He has XXXX : XXXX at 7.5 % variable, XXXX at 2.75 % variable, and a XXXX at 2.25 % variable. We have been sending payments on all XXXX, with specific loan numbers on each payment, and with larger payments on the higher rate loan to try to pay it off earlier. Navient has been posting the payments proportionately by outstanding balance on each loan, rather than the loan number stated on the payment, thereby causing higher interest to be accrued since his loan with the 7.5 % rate is receiving only a portion of total payments rather than the larger amount being sent. This is abusive and should be rectified by reducing the 7.5 % loan accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Shopping for a loan or lease

Complaint: I have home & auto insurance through USAA and, at one point, had XXXX cars on my policy ; never paid late. So, I decided to give USAA a try and apply for an auto loan on XXXX/XXXX/15 to try and build more business with them. After applying for a loan online, I was told that they required more information ( XXXX paystubs and clarification of income ) from me. I uploaded the documents right away and then called the next day and was told they did n't receive the documents. I then uploaded the documents while on the phone with the rep and was then told I needed to provide 2 years worth of tax returns!! NEVER IN MY LIFE HAVE I BEEN ASKED TO PROVIDE TAX RETURNS FOR AN AUTO LOAN!!! Just to play it out, I uploaded the requested documents and was then told they would have to get back to me ... I was still waiting as of XXXX/XXXX/15 when they notified me that they were unable to approve my request for the following reasons : Insufficient or unverifiable income. 
I provided the requested documentation to the bank to include the following:XXXX subcontractor agreements for both of my sources of incomeA recent bank statement detailing the deposit of said income2 years worth of requested tax returns ( XXXX and XXXX ) I have a good credit rating and make well over $ XXXX between my XXXX jobs. I feel like USAA discriminated against me and treated me like I was doing something illegal when I have proof of all information. To make matters worse, THEY REMOVED MY NEGATIVE REVIEW OF THEIR PROCESS FROM THEIR WEBSITE!! BUYER BEWARE!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Deposits and withdrawals

Complaint: I deposit {$200.00} ( 2 {$100.00} XXXX on XXXX/XXXX/16 at XXXX. The atm ate my money and gave me a receipt to file a claim. I called Chase Bank ( XXXX, Indiana ) at XXXX that same day. I refunded me a temporary refund of {$200.00}. On XXXX/XXXX/16, they took the refund back. I called Chase and said the investigation is close. I called when a supervisor was not available to speak to. Chase took my money ( {$200.00} ), I did make the deposit and it is my fault their atm machine mess up. I will never trust Chase and especially their atm. I expect a full refund of my {$200.00} ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2015 about Consumer Loan (Vehicle loan) with UNITED AUTO ACCEPTANCE (GA).
Issue: Problems when you are unable to pay

Complaint: I financed a vehicle from XXXX who also goes by XXXX XXXX XXXX, and finances through United Auto Acceptance. I defaulted on the payments and the vehicle was repossessed in 2007. I was sued by XXXX/United Auto Acceptance and my wages were garnished for about 3 years. Now, 8 years later XXXX/United Auto Acceptance has filed another judgement against me for Continuation of Garnishment. Is n't this passed the Statute of Limitations in the state of Georgia?

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am XXXX XXXX XXXX and have over 30 years of credit history however recently, data being sent from TransUnion to XXXX and XXXX is saying I do not have sufficient credit history which has caused a loan to be declined and another loan had to be entered into at a higher interest rate. 

I contacted TransUnion and they said I need to bring this to the attention of the financial institutions in question however I feel that TransUnion should take ownership of this because XXXX separate financial institutions are receiving the same incorrect data from TransUnion. 

I have attached a declination letter from XXXX and the XXXX site print screen as support.

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 08/27/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a public defender and am going for pslf forgiveness. I am in my fourth year and I have had numerous issues with fedloan. This year, I did not submit my XXXX and and my IDR plan request in time according to my loan holder. I submitted it XXXX because XX/XX/XXXX is the first month in my yearly cycle. Fedloan stated that they needed {$1100.00} because the paperwork was untimely. I told them I did not have XXXX and told them not to withdraw. My loans were defaulted and interest was capitalized. On XX/XX/XXXX I called fedloan to see if the paperwork would be completed in time for me to make a XX/XX/XXXX payment. At this time I was told that the paperwork was incorrect because I had not skipped step 2, like I was supposed to. I mistakenly checked a box in step 2 requesting to be put on the cheapest payment plan. The fedloan rep had me upload another request to my digital inbox. The second request was uploaded. I did not modify this doc as it was generated from the dept of Ed site and had my name, signature, and request to have ibr recalculated all prepopulated. I was assured that this would be satisfactory. I called fedloan a week later because my loans were still in default and another XXXX was being requested for XX/XX/XXXX. This rep expressed concern that the request that I uploaded did not have identifying numbers on it. I explained that a rep walked me through the process and these were forms directly from the dept of Ed that were prepopulated. Eventually he agreed and said call next week. Yesterday I logged into my account. My account no longer shows default but shows that I am on a standard repayment plan and XXXX is due XX/XX/XXXX. I then called fedloan and talked to XXXX, XXXX. She told me that I filled out the request incorrectly. I explained that she must not be seeing the correct request. She then advised me to get on a repaye plan without ever explaining why I am on a standard plan and not on an ibr. She then told me that the second request wo n't work because it did not have a wet signature. She then told me that if I do not get a valid request submitted by XX/XX/XXXX That my XXXX would need to be resubmitted. I could not determine why the same XXXX doc would need to be resubmitted. Every time I call, I get a different answer. I asked to speak to a superior but was told that they all had left.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Mortgage (VA mortgage) with Premier Lending and Real Estate (CA).
Issue: Settlement process and costs

Complaint: I refinanced my home through loan officer XXXX, Premier Lending and Real Estate at XXXX XXXX, Ca XXXX. Phone XXXX. Our refinance with through but our Pest Control costs which were to be paid of our proceeds at close of escrow never happened. Found out over a month later that they had not been paid. XXXX of very unsympathetic to our plight and told us you ordered the pest inspection you have to pay. Even though it was a condition of our closing to send him the invoice for the work completed prior to our closing. The amount out of pocket was {$1100.00} to the pest control company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation