milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have recently checked my credit report and noticed that under public records there is a record of my BankRuptcy. the Credit Bureau are reporting a bankruptcy. The courts do n't verify that information that information was pulled from a third-party reporting therefore it needs to be deleted.

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 01/31/2016 about Debt collection (Medical) with PMAB,LLC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This was billed improperly to the VA. I was and still am covered by Medicaid ( XXXX ) ID # XXXX. I notified the care provider and debt collector of this, however I am still being billed. Medicaid is a Federal Insurance with no co-pay and billing me personally is in violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: i have file numreous complaints on ocwen loan co. for 4 yrs. now. 4 yrs. and you people have let this go on for 4 yrs. now and now we are going to lose our home. i have repeatedly told you that they are practicing improper practices ( for 4 yrs. ) one day this co. will send us a letter stating our app. is complete and the very next day they will send us a letter stating they need something els. not once, not twice, 4 yrs worth. and i know XXXX XXXX doesnt work for ocwen she started the cfpb and she needs to know that you guys are collecting paychecks for nothing. every complaint i have made you send me a letter stating what ocwen says, i know what ocwen says, and what they say is wrong. they are ruining peoples lives and you people are letting them. 4 yrs. to put a family through XXXX is about enough, dont you think so? what if they was doing this to your mother, daughter, brother, sister, you can bet your XXXX would be putting a stop to it then, right? when i first called ocwen for help they told us we must be 3 mo behind before they can help us. we reluctantly did and its been hell from there. we filled out an app. for help and the very first offer they made us was a higher housepayment. thats ok, right? then they drug it out for almost a yr. having us refax, resend, rewrite, redo, whatever it was, they did it.thats ok, right? we found save the dream which helped us for 15 mo. and i honestly thought ocwen would be gone by then for their improper practices. nope, they are still here. so we reapplied, and of course, they started it all over again. well, we lost or cant find this, can you rewrite that, refax, redo. and this is ok, right? 4 yrs. worth. i hired XXXX lawyers, XXXX took our money and ran so i hired another XXXX to get our money back from him and he took half that so here we are that much more behind. one day a relationship mgr. will call us and tell us our app. is complete, 2 days later they call and need something else. not once, not twice, 4 yrs. worth. i have every bit of my paperwork and documentation to prove this and i also have all my paperwork from you guys thats basically says ok, oh well. and thats ok, right? this co. is ruining lives!!!! and no one cares. im going to go to XXXX news and try like XXXX to get our story on there. i thought i was alone before but now i have like XXXX other people ocwen is doing the same thing to. and thats just in 2 days. ill find more. bc obviously i cant do this alone. and no one in the govt dept. gives a XXXX. FOUR YRS OF XXXX. I now have an XXXX, which is due to how your body handles stress. mmm? not only am i now complaining about ocwen i am contacting the XXXX and complaining about you .... im sick of this XXXX. you people do not belong there if your not going to do your job.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Payday loan, title loan, or personal loan (Installment loan) with LDF Holdings, LLC (OR).
Issue: Struggling to pay your loan

Complaint: On XX/XX/2017 I took out a loan for {$XXXX} with XXXX  XXXX. I recently learned that in the state of Oregon there is a max interest rate payday lenders can charge of XXXX  % XXXX  XXXX is far above this rate and charging me XXXX % in interest. To date, I have paid a total of {$XXXX} back on the loan XXXX the principal and {$XXXX} XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 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: Information belongs to someone else

Complaint: I have a couple inquiries I did n't authorized showing on my credit report, It wo n't let me dispute them online. One is an XXXX inquiry from XX/XX/XXXX and another is XXXX XXXX from XX/XX/XXXX. Please remove these inquiries as soon as possible. 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 07/31/2017 about Debt collection (Medical debt) with SCA Collections, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I filed a dispute with SCA Collections in regards to a debt validation. They never sent a contract that I signed with them for the debt or itemization of the charges.

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 11-09-2015 about Payday loan () with ACE CASH EXPRESS, INC. (OH).
Issue: Can't contact lender

Complaint: I took out a payday loan ace cash advance and they said I could make payments when the due date came I tried to make a payment and they said I had to pay in full or they will take the whole amount. I had to close my account due to this and since it happened over 2 years ago and since then I have filed and discharged bankruptcy they are still continuing to harass family members and threaten with legalities about 9 months ago my attorney did call and leave a message with them stating this information and they are still doing this

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The original debtor is listed as XXXX. Through previous communications, I understand this is from an account out of Michigan. I have never had a XXXX account and do not live in Michigan. This is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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
Consumer complaint received 12-12-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: This evening ( XXXX/XXXX/15 ) I accessed www.annualcreditreport.com and ordered my annual free credit report from Equifax. But the site displayed only the Credit Summary ( no details on accounts ), and when I clicked the " Save as PDF '' option, the site cut me off with a screen saying " We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. Request by mail. '' I 'm sure if I mail in the request, Equifax will claim they do n't owe me a free report because they " already gave it to me '' by showing the Summary on the screen. I protest this unfair deprivation of file disclosure. I have a right to my whole report. Please insist that Equifax mail my whole report to me immediately at the address in my credit report. Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Problems when you are unable to pay

Complaint: We purchased a car that was financed through Santander USA in XXXX. After having years of financial issues, we filed a chapter XXXX bankruptcy in XXXX XXXX. In the filing we included XXXX cars that were financed by Santander USA and our payments made to the courts were solely for the XXXX cars. In XXXX XXXX, we requested that our bankruptcy be cancelled. Prior to the cancellation, we contacted Santander USA stating that we wanted to keep our cars. We dropped the bankruptcy only to find our payments that were made only covered a percentage of the monthly payments and we were now far behind. Santander USA proceeded to call our neighbors, who were not listed on any documents as contacts. We requested deferments, starting making payments only to notice the payments and then requested a resolution to why Santander was calling random people and telling them they were trying to reach us. This was highly embarrassing and consulted legal advice. We never heard back from anyone in management and continued to try payments to catch up. In my research of our account, I noticed that all of the payments to the XXXX XXXX were going towards interest. I called Santander USA in XXXX XXXX and asked them how we could rectify this and I asked that someone in management called me back. Santander USA continued to call us repeatedly around XXXX-XXXX times per day, called family members but never had anyone from management call us to discuss how we could rectify our concerns. I made the last payment in XXXX and waited for someone to call us back. While they continued to call repeatedly, not XXXX call was from a manager. We received several calls for another loan holder. On XXXX XXXX, I received a call from Santander USA and again, tried to rectify the situation. They told us we need to pay over {$2000.00} to get caught up and then we would be on track. I explained that the car was worth {$1000.00}, we have paid over {$2000.00} in recent repairs and that we did not have the money to pay to catch up. The person said they would inform the recovery team to pick up the vehicle. We surrender the vehicle on XXXX XXXX XXXX to " XXXX ''. 

We need to know why Santander USA delved through our social media accounts to contact a neighbor and proceed to tell them of our situation with the car. Why they called us repeatedly but never called to explain the insulting call or the repeated calls to our phones when we were making payments. And, we need to know why no one explained that our payments after our bankruptcy would go directly to interest for almost a year due to the bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX/XXXX/XXXX I was contacted by XXXX XXXX of Procollect for an oustanding debt of {XXXX}. I asked what the payment arrangements were because I am not able to afford to pay this off all at once. He told me I could do 6 months which works out to {XXXX} per month. I told him that I could not afford that and were there any other options and he stated no and that he was going to mark my account as refusal to pay. I asked to speak to a supervisor and he refused. 

I asked him to send me something in the mail to validate the debt. I honestly have not received any letters from this company. He said he needed to look up my account again, said something about late rent, asked if I had a pen and paper so I could write it down and then he refused to validate the debt, saying that your company has already sent me something.

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 02-05-2018 about Debt collection (Credit card debt) with First National Collection Bureau, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid on XXXX XXXX 18 was promised a release letter via email with in 24 hrs have made several call sense then and they refuse to send my letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with Quality Recovery Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Derogatory collection on credit report - XX/XX/XXXX Harassased and threatened that interest would occur and that my credit would become even more damaged - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX - Spoke with leasing manager of original creditor. No record of me being a tenant at the apartment complex, therefore she could not find if there any debts owed by me or if there were any debts at all. I contacted the 3rd party debt collector who then informed me in a passive aggressive manner that it did not matter that the original creditor could not locate any records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX in error submitted a negative notice concerning my final mortgage payment and while promised to reverse this negative report 75 days has passed and my credit report remains adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Payday loan debt) with CHECK INTO CASH INC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My Payday loan is included in a debt consolidation program i am currently enrolled in. I was told not to pay while trying to settle and that they should not call me at work. They are currently calling me daily at the number listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have sent XXXX letters to each Credit Bureus and the only to reply finally after three months was Equifax .... and it was n't even with reports ... I have asked repeatedly to verify the information on my reports to no avail, I need for you to investigate why i am not receiving any reply

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (I do not know) with The Receivable Management Services Corporation (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX continues to call our law firm asking about one of our clients. We do not talk to strangers about whether a person is a client at our firm or not. She tells us we are being recorded even though we say we do not consent to being recorded and as Florida is a state that requires consent they are breaking the law by doing this. We have asked them not to call but they continue to do so. They are very rude. I called the number back and asked them to stop calling and was met with rudeness there also, when I told them I would file a complaint they laughed. Receivable Management Services 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 05/13/2016 about Mortgage (FHA mortgage) with Dyck-O'Neal, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In the process of closing on a Short Sale, our attorney informed us that XXXX required us to sign a Promissory Note or the Short Sale would not be approved ; basically extortion. We had no choice but to comply. However, the Promissory Note we signed was for payment to someone called Dyck O'Neil, a company in Texas. The Note was very poorly constructed and look like a scam to us. In checking the company 's website, there is no indication they are affiliated with XXXX ; a very poorly constructed website. We requested that the company invoice us for the payments and also asked that they provide XXXX documentation that shows the money is indeed going to XXXX. They refused. We have no way of knowing if the Note is legitimate and wo n't pay on it until we do. Of course, Dyck O'Neil is now reporting missed payments to the credit bureaus. Is this form of extortion truly legitimized by XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SCHOOLSFIRST FEDERAL CREDIT UNION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SCHOOLS FIRST FEDERAL CREDIT UNION : Refuse to remove fraudulent account out of my name, after months of trying to work with them. I have sent ; " FTC ID Theft Report '', Police Report, Copy of my ID & SS Card and they still refuse to REMOVE or BLOCK the fraudulent account from my name. I did not open this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was involved in a car accident and my vehicle got totaled out and my insurance company was responsible for paying off the car the had written up a settlement which I have a copy of and has sent XXXX a check for a little more than XXXX and gap insurance was responsible for paying the remaining balance gap had yet to send in their portion of the check to finish paying off the car so XXXX put on my credit report that I was XXXX days past due for a payment after recieving the check from XXXX XXXX. This process is stopping me from being able to get another car because of this inquiry my credit score has dropped it was XXXX and has dropped to XXXX. I was never late with a payment on anything and when I did have my car I was never late on a payment with them. I 'm trying to get a new car and because of what they did to me it 's hard because of my credit score being so low now please help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When I contact Navient to attempt to lower my monthly payments based on my income, I am told that my necessary expenses such as rent and utilities are not considered in their calculation. I do n't know if this is common practice with all student loan lenders first with XXXX XXXX and now Navient I 'm being told I having a roof over my head and gas to cook with are luxuries. I 'd like to see this policy/practice changed with all lenders. 
Additionally, when attempting to collect past due payments companies should only be allowed to place one phone call per day. XXXX XXXX made a habit of calling a minimum of five ( 5 ) time per day.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Rewards

Complaint: I just opened up a credit card with Barclaycard Bank. They did a hard pull on my credit report which negatively affected my XXXX score. I used the card and paid on time always. I did nothing wrong. They recently closed my account for no reason which again negatively affects my credit report because I will have a notation indicating that the credit was closed by the creditor.

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 monetary relief
Consumer complaint received 07-07-2015 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Loan number is XXXX. My name is XXXX XXXX XXXX @ XXXX XXXX XXXX. XXXX NC XXXX. XXXX XXXX 2015 I mailed XXXX payments to Santander Bank. The due date for my XXXX mortgage is XXXX of each month. I sent XXXX payment in the amount of {$1000.00}. I intended for XXXX payment to be for XXXX and the remaining funds to apply to principal balance. I was told since the payment for received XXXX day after due date they had the right to take XXXX months of interest. However it did n't advance my loan due for XXXX payment. 
I was told my loan simple daily interest loan and it is not. I wrote letter asking for the note, payment history and amortization schedule. I was told it would cost around {$110.00} to {$150.00} or go to banking center. I asked about Santander Banking centers in XXXX NC. Representation at Santander said they do not have banking centers in North Carolina. 
I made a payment for the full contractual amount for XXXX in XXXX which posted before the due date of XXXX of XXXX. I received a billing statement today ( XXXX/XXXX/2015 ) which shows due next XXXX XXXX 2015. It seems the XXXX payment made in XXXX was simply taken and not given credited to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed