milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (WV).
Issue: Loan modification,collection,foreclosure

Complaint: I bought my home back in 2000 the mortgage company I had sold out to XXXX other companies Now a company called Select Portfolio Servicing which they say the are a debt collector. I have issues from the start with them. They can not tell me whom has my mortgage. They recently put an ad in the paper to auction my home. Thank god I got hold of the Attorney General and they got hold of XXXX XXXX XXXX the attorneys who are handling it. Which they will not give me any information. Even when I was making payments I was getting harassing calls and letters saying I was behind. When I call them they are rude and they are always losing the paperwork for a modification. I am at my wits end with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Pinnacle Credit Services continues to verify a debt with all three credit bureaus yet refuses to respond to my requests directly with them to verify the debt. They continue to make changes with the credit bureaus like it is some sort of game. They have removed the account and then put it right back on my report. They have changed the account type, they have changed it from closed to open, seemingly anything they can do to harm me. The alleged debt is on open account type with a telecommunications company and the statue of limitations in Alabama expired over 2 years ago as the original account was from 2010. I have documentation proving they received my letter yet they continue to behave in a very unprofessional manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 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 was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 07/31/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient 's Office of the Customer Advocate promised to lower my private loan payments to approximately $ XXXX in XXXX 2015 by extending the terms of my student loans to XXXX years ( up from XXXX ). Last month, my payments were raised to $ XXXX with no warning or notice from my servicer. The interest rates have remained the same, but the agreed amount has been changed without my consent. This is the XXXX complaint I 've filed against Navient, the first was through the CFPB, then with the XXXX. Loan payment history in the online portal for Navient does not show sufficient information about the previous loan payments. The documentation attached to this complaint are screenshots taken of the ACH withdrawals made by Navient as well as a view of the Navient account history and how the payments were accepted without exception. MICR numbers can be provided at the investigator 's request to better correlate events as well as ensure that no screenshots are doctored or tampered with in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 item on my credit report 3 separate times and provided supporting documentation directly from the collections agency as well as documentation showing XXXX and XXXX have deleted the item. Equifax has not reinvestigated nor have they update the item to reflect the correct status or removed it from my credit report. The dates and details are listed below.XX/XX/XXXX: I ran my Equifax credit report and discovered that I had had an unpaid collection for $XXXX  with XXXX XXXX XXXX XXXX. 

XX/XX/XXXX: I called and paind stalling Financial the full amount plus $XXXX credit card processing fee - this is how the payment appears on my bank statement below:
 (	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX	$XXXX)

XXXX: Requested item be updated as paid collection Conf #XXXX  
XX/XX/XXXX Disputed item Conf XX/XX/XXXX it was verified and not deletedXX/XX/XXXXcalled and disputed item over the phone for reinvestigation conf# XXXX
XX/XX/XXXX: Attempted to fax Equifax supporting documents 5 times and received 5 failed fax messages to the number provided buy the representative over the phone XXXX  
XX/XX/XXXX: Called Equifax to discuss failed fax and was given a different fax number XXXX resent the documents and received fax confirmation that Equifax received supporting documentation fromXXXX  and XXXX credit bureaus 
(fax confirmation below:
XXXXXX/XX/XXXX
to me 

Dear XXXX XXXX

Your fax to Equifax at XXXX has been sent successfully!
Successful delivery of your fax was confirmed at XXXX XXXX Eastern Daylight Time onXX/XX/XXXX
Your fax included 1 page of coversheet with your text and 17 pages of attached documents.

Thank you,
XXXX

(id#XXXX))


XX/XX/XXXX received dispute results for Confirmation #XX/XX/XXXX item was verified and not removedXX/XX/XXXX received dispute results for Confirmation XX/XX/XXXX(generated by the fax I sent in) item was verified and not removed despite sending a letter directly from the company via fax that the item had been paid off.XX/XX/XXXX I attempted to log into my Equifax dispute results and was given a message that said that my social security number was impacted by the security breach that happened during the summer and I was prompted to sign up for XXXX XXXX credit monitoring which I did. I received and email to activate my account but when I attempted to I was told to wait 48 hours

XX/XX/XXXX I ran my credit report via XXXX XXXX and the item remains on my credit report.XX/XX/XXXX: I called Equifax and was told that the item was verified as unpaid and open.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My student loan reportings negatively affect me because it looks as if I've defaulted on several accounts, when there was only ONE, and that ONE is paid in full. I've satisfied the debt, I'm experiencing the following : - Loan appears multiple times, although only one loan was secured - Some of the student loans report as " Open '' although the balance is " {$0.00} '' and should be " Closed '' - Many payments are incorrectly reporting as current lates The following companies are involved : - XXXX XXXX XXXX ( Listed 4 times ) - XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX  ( Listed one time ) I'd like to buy a home and secure business lines of credit to grow my business, and I can not as a result of these reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Portfolio Recovery Associates has put a judgment against me and I wasn’t even served properly and I don’t know much about this judgment and since last year I been trying to clean out my credit report and I been trying to contact Portfolio Recovery Associates failed to validate the debt Portfolio Recovery Associates only tell me that the debt is verify but Portfolio Recovery Associates has failed to show proof of any source not even the original contract with my signature and I did contact the credit bureaus and they won’t remove it and I did send out letters to Portfolio Recovery Associates to verified the debt by certified mail many of times and Portfolio Recovery Associates has failed to verify the debt

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Mortgage (Conventional fixed mortgage) with AmeriHome Mortgage Company, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan Servicer failed to pay my taxes. I corrected this issue by sending a check to the city. Loan servicer has failed to send me a check for the taxes despite saying they will. They now will no respond to emails requesting the check. I would like them sanctioned for their mistake and if any statute allows for it, to further sanction them for failing to respond to request from borrowers. amerihome is the loan servicer who failed XXXX of the most basic requirements of loan servicers, which is to ensure the taxes get paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2016 about Debt collection (Credit card) with Blitt and Gaines, P.C. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Blitt and Gaines filed XXXX lawsuits against me without my knowledge. They did not send me any information of a verification of the debts or any validation notices. I did not know about the lawsuit in first case until I received a settlement letter after I contacted them for a XXXX XXXX account at the direction of XXXX XXXX in attempting to get a loan modification. The second lawsuit was mentioned in a response to a CFPB complaint. These are illegal tactics and on the internet you can see endless complaints occurring from this company. If XXXX XXXX had not directed me then I do n't know what they would have done to me or still might be doing to me since they are deceptive in their tactics. I will be a XXXX in a few years and I understand this can be ongoing for many years to come. I also do not have information of the outcome of either of these lawsuits from either Blitt and Gaines or XXXX XXXX, since no one ever sent me any correspondence in the mail. Furthermore they never sent any information of the actual debt they are suing me on, to prove that they actually have the right to sue, what the fees and charges are, how the breakdown is, etc. I have been trying to get information from XXXX XXXX since approximately XXXX, 2015 and there has been no response to any of the information I have requested in detail except for general repetitive form letters.

Company response to consumer: Closed
Consumer complaint received 12/16/2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit determination

Complaint: My business went bankrupt after the crash of our local economy around 2009. Now that I have a job again, I have been trying to settle my credit card debt with Bank of America but I have found that the banks have written off the debt and will not allow me to settle with them but they also refuse to remove the judgement from my credit report which is giving me a low credit score and keeps me from being able to refinance my home. I am trying to recover financially from this failed economy but the banks that were bailed out are preventing me the consumer from any recovery financially. HELP!!

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 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Trying to utilize a third party monitoring system and it is not being allowed

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (FHA mortgage) with GUARANTEED RATE INC. (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: RE : XXXX XXXX XXXX XXXX. XXXX Illinois. 

I was told that I was required to get preapproved by their in house lenders. Another lender told me that I should have received an XXXX at time of referral but I did n't. 

My email to the agent also went to their lender, Guaranteed Rate, without my knowledge. I received a call from both the agent and the lender without authorizing the call.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Total Card, Inc. (KY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XX/XX/XXXX was the date if theft {$210.00} was amount XXXX was the location I contacted this company several times through the course of this to get it resolved each time I sent in paperwork I was told it would take 60 days. No one ever tried to contact me in between waiting each 60 days to ask for additional information. I was just constantly told it was not received. I contacted the BBB and the company said I never sent them the paper work even though I sent it with someone oven the phone who told me they received it and I sent it 26 times when the BBB investigation started.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Credit card protection / Debt protection

Complaint: I owed a credit card company a principle amount of money in XX/XX/XXXX. In XX/XX/XXXX they filed against me in court. I never received a letter of documentation stating I was being sued. In XX/XX/XXXX they began collecting and so far I have paid out almost 4 times the principle amount plus interest and I continue to have my wages garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I never gave authorization for credco to inquire as to my credit status. I would like that " hard inquiry '' removed from any and all credit reports. Thanks

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 08/24/2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Date is XX/XX/2011 for an XXXX, contacted XXXX XXXX was referred back to Choice Recovery sent letter the bill was payed under the free clinic was told they could not accept that cause it did not say XXXX .I asked how I could speak to someone at XXXX XXXX they say they ca n't release there client information. Have spoken to XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX which refers you to the choice recovery then the number for choice recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (I do not know) with American Financial Credit Services, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: While looking over my credit report I noticed a collection account for American Financial. On XXXX XXXX, I sent certified mail to American Financial asking them to verify the debt. It has been over 30 days and I have not heard back. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I ca n't communicate with the credit reporting company. Every time I try they inform me the information I provided was incorrect. The information I provided is the only information I have on me, my name, my address, my SSN, and my date of birth. This information have n't changed in over 25 years. For them to tell me this information is incorrect leads me to believe, that, maybe the information they have is incorrect. If so, the information they are reporting on me is inaccurate. I 'm just trying to submit documents to conclude a 6 year battle I had with student loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Credit card) with The Receivable Management Services Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The XXXX travel company charged me over {$700.00} dollars. I called XXXX and they told me it 's for a travel tickets. I did not buy any ticket from XXXX and i dont know who is the person in the collector named and mention in the letter. And in addition I had already bought XXXX tickets for 5 days in NY from XXXX 2 weeks before this incident, not the XXXX. I called and claimed Unauthorized Transaction. XXXX investigate in 2-3 week and refund me the amounts they took from me. Today XXXX XXXX i received letter from their collector and try to collect {$250.00} which the debt is n't mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My federal student loans are held with PHEAA, d/b/a Fedloan Servicing as I am currently on an income-based repayment ( IBR ) plan and participating in the Public Service Loan Forgiveness ( PSLF ) program. 

On XXXX XXXX, 2016 I submitted my annual IBR application recertifying my income information via the Department of Education 's XXXX website. However, I later realized that when clicking through the certification, I had accidentally not checked my status as " married '' and had instead selected " single ''. Upon realizing my mistake, I then submitted an IBR application " income recalculation request '' to correct the error on XXXX XXXX, 2016. The error results in an increase of {$100.00} per month in additional payments. PHEAA denied the recalculation request on XXXX XXXX, 2016. I then called and spoke with a customer service representative who instructed me that the denial resulted from a system process that automatically denied the request due to it being a " recalculation request '' and explained that if I instead submitted a new annual certification of income eligibility, they would be able to process the correction to my marital status. On XXXX XXXX, 2016 I submitted another annual certification, which PHEAA denied on XXXX XXXX, 2016. 

I am grateful for the opportunity to participate in IBR and PSLF as a way to manage my debt, and I also appreciate the difficulty faced by PHEAA in managing a large and complex repayment program. However, at this point I have no alternative but to escalate what should have been a simple correction to the CFPB for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Other

Complaint: I saw several charges on my Chase Bank credit card. I wrote the company to validate these debts. Chase did not respond. I wrote another letter. Chase refused to investigate fraud. I contacted the credit bureaus and the account was removed from my credit. Chase Bank reported the invalid debt to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a copy of my Equifax credit report. The report showed credit inquiries that I do n't recall authorizing. I have called Equifax and the companies who requested the inquiries to no avail. I have no accounts with these companies listed below, and I have been given a complete run around by trying to get these items removed. 

Company Name : Date : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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