milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Debt collection (Medical) with REPORTS, INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was called at work and this person was very rude as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX Account XXXX XXXX collection department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi, i have been making several attempts with Transunion and their reps to remove several negative inquiries on my report, Transunion customer service has refused to help in the removal of these negative fraudulent inquiries. 
I have listed the inquiries that i have been trying to get removed 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX/XXXX 4. XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX I have made several attempts with Transunion and the creditors to get these fraudulent inquiries removed please help

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i have over XXXX hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all XXXX credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my 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 06/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have owned my property for almost 20 years, recently I came upon hard times and have had financial difficulties. I have tried to work with Ocwen on keeping my home for several years now. Ocwen is a very difficult company to work with and now that they have set a sale date on my home they will not review me for a modification which I can now afford. I am XXXX from the military and have steady income that I can prove if just given the chance to show it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Account opening, closing, or management

Complaint: I am a customer at Navy Federal Credit Union and my account is locked out still to this day. As I spoke to someone at cfpb I was told to take a snap shot of proof that I am not able to gain access to the account. After hanging up with CFPB I was courious to see if my account was open for me to log on and it was not. I then took a snap shot as directed and will upload the picture. Before XX/XX/XXXX I spoke with a customer rep at the bank and made arrangements for XX/XX/XXXX and told them I was locked out of the account. After learning about the regulations on this I tried today XX/XX/2016 to gain entry to my account and still can not log in. Also I want to note they are making arrangements with me that are unreasonable and not obtainable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The information XXXX XXXX XXXX is reporting is inaccurate. They falsely reporting fraud to Early Warning Services and fraud or negligence never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: Ca n't see my refund credit back to my credit card account online. Customer service had high call volume and being cut off on phone.

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 03/31/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My complaint is in regards to an investigation by EQUIFAX and a recent claim dated XX/XX/2017 regarding account # XXXX which XXXX claims to have verified, and that I owe them in the amount of {$64.00}. I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they have sent me was a statement. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. They inform that they have requested that the consumer reporting agencies report the account as disputed, but they have not provided " validation '' of the debt. Therefore, they have broken the law by not validating said debt. 

On XX/XX/2017, Equifax informed that they have researched the collection account # XXXX and the results are that they have " verified '' that this item belongs to me and that additional information has been provided by the original source regarding this item. Again, I have never signed any contract with XXXX who have failed to validate this debt and confirm that I owe them any money. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent a dispute to each of the CBs identifying the 'hard inquiries ' that " I did not authorize as well as closed accounts, collection accounts and account reporting derogatory for validation of signatures from me showing the account belongs to me and I 've agreed to their terms. Real credit auto is a big account because they have posted my personal information such as Ssn date of birth and also a person address listed for many these inquires and accounts in question. Experian has recently removed them from my reporting but other CB are still reporting incorrectly. I have also filed an identity theft alert for transunion because of all these hard inquires after my personal information was published. I then filing this complaint asking for assistance with getting the CBs to provide me with proof of their validity and attached the notices that I previously sent and received from the CBs as it related to my claims. Requesting all all reporting be validated with signatures, address and dates from all CB reporting.

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 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Ever since I have had Navient, I have not been able to make payments successfully. When I first started paying them back, Navient 's website led me to believe that payments had not been processed ( upon logging in after submitting a payment, it would say payment overdue ) and I ended up triple paying one month 's worth of payments. Between having the " automatic debit '', the online confusion and the sheer absurd amount of time it took for them to process the payment, I ended up paying the same bill three times. Since then, I have repeatedly continued with forbearance and the last time I tried to submit a payment, I got the confirmation email about three days after I submitted the payment on their website, but the money was never withdrawn from my account. That 's another problem I 've had with them - I 've had to give them my checking and routing numbers at least 7 different time. Every time it was repeated back to me correctly, yet they kept saying it was my bank 's fault. When I called XXXX XXXX, they said they had no record of Navient even trying to get a payment. Also, those lucky few payments that did go through took at least ten days to post to my bank account as well as Navient 's joke of a website. This is by far the worst company I have ever had to deal with. There is absolutely NO reason a payment should take that long to be withdrawn from my account and their website should immediately reflect at least the attempt to make a payment by saying something like, I do n't know, payment pending?!?! Please help me get away from this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (UT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Institution Information XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, DE XXXX ( XXXX ) XXXX They did a hard inquiry without permission. 

Institution Information US BANK XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX.They did a hard inquiry without permission. 

Institution Information XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. They did a hard inquiry without permission. 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Dont recgonize this they did a hard inquiry

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I called to get help lowering my payment because one, I have n't finished my degree and two I was unemployed and had a baby. All times they told me to fill out a forbearance letter. Thus adding more interest and higher payments. This happened more than twice. I was not informed of other options. Now I am left with more interest and higher payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Other transaction issues

Complaint: I purchased a phone by using Paypal. Paypal says that they will allow you to put in a claim if you have a problem with the company. However, paypal closed my claim without working with my to verify that I sent back the phone. So, I ca n't seem to contact paypal, and get a real answer, and my claim is closed, so I am apparently out the money that I spent on the phone, and I have no phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2015 about Debt collection (Mortgage) with Altisource Portfolio Solutions, S.à r.l. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Nationwide Credit , Inc. ( " NCI '' ) frequently contacts me more than once per day and more than federal laws allow. At times, the telephone calls take place up to XXXX times in a single XXXX hour period. See attached copy of the XXXX XXXX, 2015 demand letter for additional details and examples. 

Although NCI received the demand letter on XXXX XXXX, 2015, they continue to call me repeatedly. XXXX has called me no less than XXXX times between XXXX XXXX and the present date. See attached : copy of certified mail receipt ( front and rear views ) and photographs of my cellular telephone log. 

NCI also violates federal law by failing to provide me with the information to which I am legally entitled. On XXXX XXXX, 2015, I verbally communicated a request to receive both a verification of my debt and a current statement of my account to a collection agent known to me only as " XXXX. '' Although this person told me that I can expect to receive the requested information and that it would come from a Pennsylvania address, I never received anything from NCI. For this reason, I have no contacts, monthly statements, receipts or additional correspondence to submit.

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 04-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have file a dispute various times with Transunion for the XXXX accounts that are being reported on my credit report XXXX. However Transunion indicates that they verified the information as correct but in fact I am no longer liable for this account because XXXX has informed me that they no longer own the account. XXXX informed that they could not bill me for this account because they no longer owned the account and could not provide me with an itemized bill in order to review and pay. So I request immediate deletions of this account however Transunion is indicating that the have verified this account as accurate. This item has not been verified please see Below : Investigation Results Current File File Number XXXXReport DateXXXXDispute Open DateXXXXNameXXXX XXXX XXXX XXXX XXXX, PR XXXXCompletion DateXXXX Account informationITEMDESCRIPTIONRESULTSXXXX # XXXX VERIFIED, NO XXXX # XXXX VERIFIED, NO CHANGEI am requesting inmediate deletion of these accounts as there is no information on record to verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: sls specialized loan servicing llc mortgage brought my mortgage in XX/XX/XXXX and been making it very hard to pay and then adding late fees when I cant get any one to take payment then when I try to pay wont let me they say I owe next month before it even comes thanks for trying to help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Mortgage (Conventional fixed mortgage) with FIRSTBANK PUERTO RICO (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This is a current complain # Case number : XXXX. 

I received the following message on XXXX/XXXX/2015 : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

More than 60 days have expired and the issue has not been addressed or resolved. AND The log in and password I created for this site NEVER works no matter how many times I reset the password so I have to keep filing new complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (I do not know) with NRA Group, LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have received repeated calls from National Recovery Agency ( XXXX ) which I normally dont pick up the call but today ( XX/XX/17 ).  The female caller wanted me to verify my SSN and date of birth. I asked the caller to inform which vendor she was calling on behalf of. She refused and demanded that I verify my SSN and DOB which I refused in case this was an attempt to steal my identity. I asked the caller to please let me know what bill she was trying to collect and maybe we can resolve the issue. The caller refused and threatened me with jail if I didnt verify my SSN.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (CO).
Issue: Trouble during payment process

Complaint: Roundpoint mortgage sent me a notice indicating that my escrow account was going to have a shortfall so in XX/XX/XXXX they increased my escrow payment by over {$200.00} dollars per month. By XX/XX/XXXX I was already struggling to make that increased payment so I signed onto my online account and noticed that what they had indicated on the escrow increase was not true. Instead of a escrow shortfall I actually had a surplus. I wrote to them at that time that I wanted a new escrow analysis done since my escrow account was too high. They did not respond to my written request so I called in XX/XX/XXXX to explain the situation. They agreed to do the new analysis, but when it was completed my escrow payment only went down by approximately {$50.00} dollars, and they sent me a bill for an escrow shortfall. I did not pay the bill. However, in that time, I have been late on my payments while my escrow has continued to increase to the current balance of {$6500.00} ( XX/XX/XXXX ) and my XX/XX/XXXX taxes and insurance has been paid. I just called Roundpoint again to tell them that the analysis was wrong. The service representative told me that they would complete a research which will take until XX/XX/XXXX, and then if they find an issue they will do a new analysis within 10 days. At their timeline, the issue wo n't even be addressed, if at all, for another month. Having made my initial request in XX/XX/XXXX, I believe that they have adversely affected my credit standing, created financial hardship for myself and my family, and have exceeded the amount that they are legally able to collect in my escrow account.

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 09/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A home phone account was opened up by my parents in XX/XX/XXXX, and two years later I was born. Upon running a recent credit report for refinancing my own home, it was discovered that my parent 's phone account was placed under my name, including a negative reporting that showed up on my credit report. My father and I share the same first and last name, but we are not a XXXX The phone company ( XXXX ) has been extremely difficult to work with in getting this resolved. I understand this can accidentally occur when family members share names, however since it was their mix-up, I feel they should be the responsible party for clearing this up. They transfer me from department to department, which also results in many disconnected calls. I 'm exhausted of telling this information time and time again, however they do not seem to care about working this out in a timely manner. Rather, it seems that as long as it does not affect them, the customer is responsible for their ( XXXX ) mistakes and the legwork involved in cleaning it up.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Consumer Loan (Installment loan) with DISCOVER BANK (LA).
Issue: Taking out the loan or lease

Complaint: I was " invited '' to apply for a personal loan at Discover Personal Loans. I have been a discover credit card member for about XXXX years and always pay off my balance each month. I also have a rather excellent credit rating. So I applied online and was told to call their office to complete the process over the phone. They said they were busy that day and a " senior loan rep '' would call me back. They did not so I called them back. I spoke to someone who reviewed my application and then called me back on a secure phone line to ask me some personal questions about my existing credit accounts. I told them and she said that a " senior loan rep '' would call me back in XXXX days to ask me some more questions. Well about XXXX days went by, including the weekend, and I received a letter with a very vague reason for them being unable to approve my request. the reason is " UNABLE TO VERIFY CREDIT REFERENCES ''. So I called to find out exactly what this meant and why I never received a phone call from the " senior loan rep ''. After going up the chain of command, I was told that verification was what they did when they called me on the secure phone line. However she was not satisfied with my responses regarding when I opened a store credit card that I have not had open in approximately XXXX years. I guess because I could n't remember the exact year I opened it. So apparently instead of calling me back like I was told I would be or even to further verify my information, they just stopped the application process and are denying me a loan. I understand if the denied me because my income or credit rating was not sufficient but that is not the case, in fact I more then qualified. I was just because they stopped the application process before even being considered. Also the supervisor I spoke to said I should not have been told that a " senior loan rep '' would be calling me. Apparently that is not what I should have been told. So I feel like not only was I giving the wrong information by the initial phone rep, but also that she stopped my loan process for no valid reason. So I can not reapply to Discover Personal Loans for another XXXX days, because " they 're system wont allow '' as I was told. The other problem is since I attempted to apply with them, my credit rating suffered a drop. So now when I go to my bank or another lender to apply for a loan this week, I will be applying with a lower FICO score then normal, which will make the process and interest cost much different then if I never had dealt with Discover Personal Loans.

Company response to consumer: Closed with explanation