milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I went to  XXXX  for  school an d at the time of attendance i was told i would have a Temp Credit loan through them, right around graduation i was told i owed {$5500.00} and i would have to start making payments to them after graduation, well a few weeks later i got a letter from a company called  XXXX  stating i owed them payments never signed up with them apparently  XXXX  owns them and sold my loan over, i tried working with them to lower the payment but was told since they are owned by  XXXX  they couldnt lower the payment since  XXXX   wont  agree on it than they sent me to " collections '' as i was told turned out it was a lie never was just a scare technique well i made a complaint and they finally agreed to lower the payment to {$25.00} a month, i thought this was odd since i dont ever remember signing a  MPN  for this place so i asked them to send me a copy and was told they didnt have to since this is a private loan through  XXXX  and i have to pay this no matter what, again thought this odd why do i have to pay a loan i never agreed on, i have not been able to make the payment in  two mon ths so they sent me a bill for almost {$600.00} i dont make that on a paycheck and with no MPN how can they prove this, all i want to do is put this in forbearance and these people wont help me they just want money i dont ever remember signing

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (FHA mortgage) with Fay Servicing, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: Racial Discrimination 12 CFR 1024.41 - Loss mitigation procedures.

Related to its Handling of loss-mitigation applications and its implementation of foreclosure protections, related to its handling of loss-mitigation applications and its implementation of foreclosure protections .... servicer receives a complete loss mitigation application more than 37 days before a foreclosure sale, then, within 30 days of receiving the complete loss mitigation application, a servicer shall : I SENT ALL THE DOCUMENTS REQUESTED BY FAY SERVICING IN THE TIME REQUIRED BY THE LAW attached file DELIVERY RECEIPT BY POST OFFICE indicating the day of delivery of the package. 
THE MANAGER OF THE ACCOUNT IN AN AGGRESSIVE WAY HE DID NOT WANT RECEIVE THE PACKAGE ACCORDING TO HIM THE INFORMATION GIVEN DID NOT HAVE THE 37 DAYS, THIS IS FALSE BECAUSE I SENDED CERTIFICATE AND THERE IS THE DAY THAT WAS DELIVERED BY THE POST OFFICE. MORE THAN 45 DAYS I HAVE THE TELEPHONE RECORDING OF HOW THIS CHARACTER TREATED ME FOR A LONG TIME AND DELIVERED ALL THE DOCUMENTS BUT FAY SERVING NEVER GAVE ME A SOLUTION. 

Here I List the RESPA Violations Committed Against Me Violation of 12 C.F.R. 1024.41 ( f ) ( 2 ) Y ( g ) 12 C.F.R. 1024.38 ( a ) and ( b ) ( 1 ) ( v ) 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ) violation of 12 C.F.R. 1024.38 ( a ) and ( b ) ( 2 ) ( iv ) 12 C.F.R. 1024.41 ( c ) ( 1 ) 12 C.F.R. 1024.41 violation of 12 C.F.R. 1024.38 ( a ) and ( b ) ( 2 ) ( v ) Under Sections 1053 and 1055 CFPA, 12 U.S.C. 5563, 5565, 12 C.F.R.1024.41 ( b ) ( 2 ) ( ii ).

12 C.F.R. 1024.41 ( c ) ( 1 ) ( ii ) 12 C.F.R. 1024.31 12 C.F.R. 1024.38 ( b ) 12 C.F.R. 1024.38 ( b ) ( 1 ) ( v ).

12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ).

12 C.F.R. 1024.38 ( a ). 14 12 12 C.F.R. 1024.38 ( b ) ( 2 ) ( iv ) 12 C.F.R 1024.38 ( a ) 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ). 52.

12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ).

12 C.F.R. 1024.41 ( f ) ( 2 ) o ( g ) Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There 's way too many unauthorized hard inquires on my credit report. Only a hand full of those inquires are actually done by me.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: Approximately  XXXX / XXXX /   17  I sent a certified letter as well as a photo copy of a returned mail I received and asked Experian to remove the creditor due to inaccurate information of wrong address being reported. They have failed to comply.

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 03/25/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Calls are daily, but they never leave a message or respond when the call is answered. Someone sits on the open line and then later hangs up without a word. Calls have occurred before XXXX once on a Saturday morning and after XXXX once also during the week. 
Calls are daily, but they wo n't talk when answered or leave a message stating reason for call or person they are calling. No paper notice from this company saying why they would call me repeatedly either.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Checking or savings account (Other banking product or service) with WEBSTER BANK, NATIONAL ASSOCIATION (IN).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I received in the mail onXX/XX/XXXX, a mailing from the XXXX in XXXX, WI that I was a new member and had an XXXX account with them. I never tried to open an account with this bank. I never signed any forms or gave them any information about myself. I received a 2nd mailing from them aroundXX/XX/XXXX or XX/XX/XXXX that included a debit card for this account. I have my health insurance through the XXXX  corporation in Indiana that I am now retired from. I contacted the XXXX  corporation central office on XX/XX/XXXX, about this. There has been no change with our XXXX accounts. It is still with the same bank, XXXX XXXX XXXX XXXX, that it has been with for several years. My former employer did not make this change. I emailed the XXXX  about this issue and told them what had happened. I received a response the next day and was told to call the bank to straighten this out. The email said that my employer could have done this and also gave the name of three investment companies that could have done this. I have no investments with any of those companies.I called the XXXX customer service number on XX/XX/XXXX. I explained that I had never opened an account with them or attempted to do so, and I had not signed any forms. I asked how could this have happened. I was told it could have been that my employer had done this. I told them that I checked this out and that they hadn't done this. The lady I talked with on the phone said the only way she could try to help me was if I gave her the last four digits of my social security number. I refused to do that. I have not deposited any money into this account. I received a statement from them in early XX/XX/XXXXstating that there was an opening balance of {$0.00} and that there was a deposit of {$0.00} made before XX/XX/XXXX. I have not made any deposits into this account. 

The name of the person on the email is : XXXX XXXX XXXX The physical address of the bank is : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, WI XXXX The customer service number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Stellar Recovery added an item to my 3 credit reports in regards to XXXX XXXX. I have never had an account with XXXX. First off Stellar never sent me any information that to dispute this account before adding it to my credit files. Secondly they are falsely trying to collect a debt not mine and has not sent me any kind of debt validation. I am demanding this account to be removed from my credit report, send me all accounting information on this account, send me proof of signature on this account. Stellar is violating my rights under the FCRA and I want solutions. If this is not completed within time frame I will be filing a complaint with my local attorney generals office and with the BBB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (VA).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX I live At XXXX XXXX XXXX XXXX XXXX   va. On XX/XX/XXXXI called Ditech my morgage company and asked them how much is needed to bring my loan current since I was behind on my payments. They gave me the amount of XXXX   cents. I went to XXXX and made that payment using their bill pay process. On XX/XX/XXXX i called ditech again wanting to make my usual monthly payment thinking I am all caught up only to be told by the representative that my payment was not accepted and that we are under foreclosure. I asked for the name of the attorneys office and asked for the reason why was I not alerted I am in foreclosure and why did i not get correspondance. I was not given a reason for either. I called every day since then up untill XX/XX/XXXX asking where is the payment that i gave them for XXXX and what is the name of the law office handling my case. Not once did they gave me answer to either. On XX/XX/XXXX I received a lettwr from XXXX XXXX XXXX XXXX  wanting XXXX for the missed payments and XXXX in attorneys fees. I called ditech and law firm again asking why am I paying this and why am I given a forclosure letter dated for XX/XX/XXXX when they got full payment onXX/XX/XXXX. Since then I have been calling various non profits, ditech and XXXX XXXX wanting to get my money back for XXXX  that was the amount past due so I can make most current payment again and for the XXXX fee to be removed since I paid the balance owed way before this letter was sent. Ditech has been putting me on hours long holds and when they did speak to me it was in a rudest manner but money was never sent nor was I given any straight answers for 1. Why was I not initially notified of forclosure beforeXX/XX/XXXX? Why was my payment not applied and/or why was it not returned on time to me its been over month and a half and why am i paying attorney fees for debt that was paid month before? I feel like they been purposely dragging so the time XX/XX/XXXX comes around they can do a foreclosure and take my home. I have been living in constant fear and there is XX/XX/XXXXchildren under the age of XX/XX/XXXXliving here. All we want to do is pay our mortgage and move on. I was also told by ditech that if i was not lazy I would walk my XX/XX/XXXXto the library and fill out modification papers back in XX/XX/XXXX when I tried to reach them in regards to trying to find a solution to not losing my home. This was another issue before payment was made I requested modification papers at least 4 times and no luck. Enclosed you will find uploads of the letters and proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on my credit report.

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 11/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Ive sent information on 2 separate occasions to the Navient Fax number, for IVR payment reduction, they never seem to receive the information. I have been asking for borrowers defense with my loans as I am in a class action lawsuit against the card issuer on which they put our excess loan amounts due to being charged ATM fees, as well as MANY other fees on OUR BORROWED loans. 

Everytime NAVIENT sends my information to me, my interest has increased, to the point now that the interest is MUCH higher than the loans themselves, Im buried under interest as they always suggest a forbearance or deferment in which case, Im accruing more interest than expected or required. 

When NAVIENT assumed my loans from XXXX XXXX, they did not lower my rates or clear the interest accrued on my UNSUBSIDIZED loans, as promised ( an OBAMA Education plan to assist students who have loans to save money ) On XXXX XXXX, 2017 a lawsuit was filed against Navient for many reasons including the aforementioned situations. 

Im in a financial hole with these loans and I will NEVER get out as they are unwilling to help and continue to claim they have never received my applications for IVR or Borrowers defense. 

I believe I should be a part of tsaid lawsuit, I DONT KNOW WHAT TO DO????

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CO).
Issue: Other transaction problem

Complaint: Late in the evening on XX/XX/XXXX and first thing in the morning on the XX/XX/XXXX I am still unable to make purchases through Coinbase. It says my account is XXXX and I was making purchases earlier this week without any issues. How convenient that the system was down when the price was down and how convenient the system was down when the price was up

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Main company : XXXX XXXX XXXX ( {$160.00} ) Collection agency : XXXX XXXX XXXX XXXX  Reason : Fraudulent Charges Date : XX/XX/XXXX ( Last Reported : XX/XX/XXXX ) Description : I never rented an apartment from XXXX XXXX, I or my family members never stayed for a day at the XXXX XXXX. I am a single mom with XXXX young children. This apartment manager was raciest who threatened me to destroy my credit because he did not like to answer my questions before I rent their apartment. On the name of form fee they charged me this {$160.00} fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (Auto) with Constar Financial Services, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XXXX XXXX got a call from Constar Financial Service by a man namedXXXX XXXX . This was in reference of a motorcylce i had finance by XXXX XXXX XXXX. XXXX XXXX first failed to read me my mini miranda rights. Second he was still demanding payment after I told him not to call anymore. He keep asking me that he can help me but never told me how. 
Original I had notified XXXX XXXX XXXX of my situation and NOT to attempt to communicate with me or my family or place of employment about this matter. If unable to settle this all the amount due will be the ten times the amount in a civil, state or federal Law Suit. Please advice me is I should take this matter to a higher legal level. 
Thank youXXXX XXXX XXXX XXXX XXXX, Texas 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 05/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Platinum Holdings Group, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Called claiming that I owed {$2000.00}. I asked for verification of debt, he said he did n't have to provide that. I asked for his name, he said 'I told you my name at the beginning of the call '. I asked for the company he worked for, he said 'Worldwide Asset Recovery '. I asked for the account number for the account he was referring to he said, 'you do n't know what bills you owe? '. 

He continually interrupted and would not answer the questions required by law. He said he was not required to provide any of the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (TN).
Issue: Other

Complaint: My BBVA Compass XXXX XXXX has been frozen/blocked since XXXX XXXX. I have contacted their fraud dept. and was told it would take 24 to 48 hrs ( business days ) for someone to contact me so the account can be unblocked ; it is now XXXX XXXX and this has yet to occur. I am starting to believe this is a classic bait and switch because they are doing a promotion specifically for the XXXX Finals with the use of this card. I have contacted the security dept. XXXX times with all information clearly showing I am who I am and have been the only person using this card by confirming all of the purchases on this card to be true.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 recently disputed a tax lien from XXXX County filed and paid in XX/XX/XXXX. The date paid is incorrect. This is the only credit bureau out of the 3 that have not removed this inaccurate information from my credit bureau report. I spoke with an overseas representative last month and received a new credit report that states this information will remain until XX/XX/XXXX! 

I contacted the company and they advised me that they are not reporting this information to any credit bureaus. This should be removed from my credit bureau on XX/XX/XXXX. This is reflected on XXXX and XXXX and not being reported currently. 

Thank you in advance. 

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 11/16/2016 about Debt collection (I do not know) with Nudelman, Klemm & Golub, P.C. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: An attorney company, Nudelman, Nudelman & XXXX of XXXX, NJ XXXX seems to have purchased a debt from the New Jersey Surcharge Violations Bureau, saying that I owe NJSV XXXX .NJSV said they will not discuss this matter with me, as the attorney is handling the matter. 
No more information was provided, even after I requested an itemized bill. In fact, the company representative " XXXX '' flat out refused to provide any information at all. As did NJSV. 

I was simply told these charges are accumulated surcharges. I have paid NJMVC thousands of dollars over the past few years, including surcharges. This alleged debt has placed a stop on my driver 's license, so I 've been unable to renew my license over the past couple of years. 

I am XXXX, but I 'd like to attempt to resume working again. This is impossible without transportation. I live in a rural area where public transportation is virtually non existent.

Company response to consumer: Untimely response
Consumer complaint received 03/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are accounts in my credit report that do not belong to me and Experian is ignoring my requests to investigate and remove the accounts from my credit report that do not belong to me.

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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Dear Sir or Madam, I am writing to dispute the following information in my file : This item XXXX, which is classified as an Individual Chapter XXXX Bankruptcy with an owed amount of {$0.00}, and listed in Dismissed/Closed status per XXXX, This item XXXX, U.S. Bankruptcy Court, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed per Experian, and This item XXXX, U.S. Bankruptcy Court, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed, is inaccurate because I would not file for bankruptcy if I had absolutely no debts included in this bankruptcy. This means that I am liable for nothing. In addition, the dates that this item was supposedly filed are inaccurate. This item is listed on my XXXX report as being filed on XX/XX/XXXX, on my XXXX report as being filed on XX/XX/XXXX, and on my Experian report as being filed on XX/XX/XXXX. I am requesting that the item be removed because it is negatively impacting my credit score and giving false information to potential lenders. After sending a letter to all three bureaus, I was not given an answer to the investigation, instead I was sent a letter to verify my current address, which Ive already done, and a letter stating that the item has previously been disputed and they dont want to investigate it again.

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