milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XX/XX/XXXX was served with summons dated XX/XX/XXXX to General Sessions Court in XXXX county, TN for lawsuit for past due XXXX credit card balance. The court date was XX/XX/XXXX. I spoke with their office in XXXX XXXX, XXXX before the court date and explained I knew about the debt, my situation/ or the reason I had not made any payments since XXXX that I was unemployed, lived in a rural area with no access to public transportaion and a car that needed an engine replaced. I told them I did not have the money to pay them and would pay when I could. When I asked for a continuance to have time to prepare for court, they would not allow me to obtain a continuance, they told me I would only lose and they only wanted a judgement and that it would last ten years. Since I only had five days to prepare, I was unable to arrange transportation and consequently did not appear in court. They got a judgement for {$1100.00}. the credit card balance was {$600.00} max and late fees that totaled the {$1100.00}. The attorney representing them is XXXX, XXXX, XXXX XXXX XXXX XXXX, debt collection firm. On XX/XX/XXXX I received a notice from their firm stating they were forwarding a certified copy of the judgement for the case to the register of deeds to place a lien against my primary place of residence. The document does not state the balance of the debt for the lien. I have never had a lien and was concerned about the amount of money they required. Because the letter did not state the total amount to satisfy the debt/judgemnt I proceeded to check the court records to confirm the amount and also contact the law firm about the matter. I told them I wanted to set up payments and spoke with XXXX who proceeded to firmly ask me questions about whether I had a mortgage or not. I asked hiim to explain their policy for setting up payments but he kept trying to ask more questions about my house. I am a senior citizen receiving public assistance. I told him my cell phone is a goverment issued life line phone with 300 minutes a month, because he wanted to call me on my cell phone. He proceeded to try to explain the process to make payments but never really did, and was indignant because I would not answer his questions about my situation. I told him I had been unemployed for ten years and was receiving SSA when I set up the credit card account. I told him I no longer received those benefits and that was why the payments were late. He was rude and hung up the phone before answering my concern about how to set up payments. XXXX XXXX I don't know if anything illegal happened but do question why the law firm did not reflect the balance owed for the lien on the mail piece I received on XX/XX/XXXX. It was very intimidating and the phone conversation was intimidating as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been contacted multiple times by a collection agency that goes by two separate names ; XXXX & XXXX. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in north XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a XXXX. Attached are my letters my XXXX told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX credit factors considered XXXX old collection accounts, which I have cancelled them properly see attachment, and does not consider the antiquity of credit from XXXX XXXX XXXX 's eight years old. I need to re-evaluate my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I noticed XXXX erroneous accounts on my credit a few weeks ago and I immediately took steps to have this error corrected by contacting both the data furnisher ( XXXX XXXX ) and the bureau ( Experian ) which were reporting this incorrect information on my credit file. 
I am attaching the letter I sent to Experian in which I dispute the account on XXXX XXXX. I also am attaching the letter I sent to XXXX XXXX on XXXX XXXX, requesting a description of their " verification procedures '' as well as the XXXX forms transmitted by them to Experian regarding this account and any and all data submitted as " verification '' of this account. To date, I have received no response. Since my letter was sent out over 30 days ago, the window within which they must respond has now closed for them to provide requested verification proof. Therefore, as they are unverified accounts they must be immediately and permanently removed from my file, as per 15 U.S.C. 1681s-2 of the U.S. Code, which states : " ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. '' Please instruct Experian to remove these XXXX unverified and erroneous accounts from my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Debt collection (I do not know) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: It came to my attention that XXXX XXXX XXXX reported in my credit report that I owed them {$330.00} with account # XXXX as of XXXX/XXXX/XXXX. I do not owe and have no knowledge and any contract with XXXX exist.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is still listed on my credit report with a debt owed to XXXX. This account has been paid and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When pulling a copy of my Equifax, XXXX, and XXXX Report online I saw where there was a public record reporting negatively against me. I have a copy of a letter from the clerk of courts in XXXX County from the XXXX where this judgement is indeed an error and does not pertain to me. This lien clearly states that this lien is against a different tax payer and not me. With this letter I was able to dispute the public record off of my XXXX and XXXX credit reports with no problem. For some reason Equifax is giving me a hard time and will not remove this inaccurate information from my report. This public record is a false derogatory account that is affecting my credit score. I am in the process of attempting to use my credit. 
* I submitted a dispute to Equifax on XXXX/XXXX/2016 *I submitted a dispute to Equifax and to XXXX County Clerk of Courts on XXXX/XXXX/2016 * I submitted a dispute to XXXX County Clerk of Courts on * I submitted a dispute to the Consumer Financial Protection Bureau on XXXX/XXXX/2016 * now I am submitting a dispute as of XXXX/XXXX/2016 I am hoping that this agency is able to get his matter resolved I have spent lots of hours dealing with this and typing out all of these dispute letters. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XXXX XXXX, I attempted to get my free credit reports using XXXX. I filled out the form, and sent it to XXXX, and received a complete and accurate credit report on line. When I tried this for Equifax, I was told that I had to request the credit report by mail, and that I had to supply documentation in the form of a copy of my Social Security card and my driver 's license. I have requested credit reports in the past, and I have never been asked for more information than has been on the request form. 

I will be sending the credit request form but not the other documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XX/XX/2012 I was offered a Special Direct Consolidation Loan opportunity with the US Dept of Ed for which I accepted. I was promised a lower interest rate with this consolidation which I was eager to do since my lowest loan had a rate below 2 %. However, this consolidation excluded these lower interest rate loans thereby not fulfilling the promise this US Dept of Ed consolidation offered stated here : How this benefits you : One servicer and one payment, rather than multiple bills and multiple payment addresses. 

Potential lower combined payment amount that 's based on a lower interest rate and the repayment plan selected. 

Up to 0.50 % interest rate reduction! Earn a 0.25 % reduction on the loans you consolidate and another 0.25 % rate reduction if you enroll in automatic debit. 

Lock in a lower fixed interest rate automatically on any of your loans with a variable interest rate. 

Same loan terms and conditions, including your eligibility for the same deferment and repayment relief options. 

Potential for Public Service Loan Forgiveness Program eligibility if you meet specific program requirements. 


Instead, the lower interest rate loans were kept at XXXX, only the higher rated loans were consolidated thereby making me have over {$30000.00} in interest in just 4 years after this consolidation. This offer has actually increased my interest due and NOT HELPED ME AT ALL. 

This is my complaint. Not sure why it was rejected before or why such little time is afforded to respond. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Trouble during payment process

Complaint: I went online to pay my mortgage but when I noticed that my payment increased by {$700.00} a month. I called NationStar to ask them what is going and they told me that my Escrow is short and I need to pay {$6200.00} to get back on track. I told them I do n't know what they are talking about because I have been paying the same amount since XXXX with no problems and now all of a sudden my Escrow is short that much, HOW. They said that they wrote me a surplus disbursement check for {$4200.00} last year and my Escrow has been in the negative since and now they want me to pay {$6200.00} back to them. This is not right. Mortgage companies should not be able to treat people like this. I need to speak with someone with mortgage knowledge to advice me what to do. NATIONSTAR/MR. COOPER is a XXXX company trying to take money from my families mouth because they screwed up I feel I should not have to pay for their mistake, since I called them multiple times about that check and the manager assured me that something like this would n't happen and demanded I cash the check.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (Other type of mortgage) with FLAGSTAR BANK, FSB (ME).
Issue: Closing on a mortgage

Complaint: I had a modification with Flagstar Bank in XX/XX/XXXXwith my then Husband, in XXXX we were divorced and I applied for another modification on my own. I went to court and Flagstar took forever missing documents and everything else. My house almost foreclosed and 2 weeks after court they called me at work and said they could help. For the beginning I said I need my ex-husband off of the modification and they said not a problem. I signed all the documents. I had lots of questions when I got the paper work and no one would call me back or answer my emails. The modification paperwork came in and The breakdown of my trail payments had myself and my ex-husband. The modification agreement has us as a husband and wife with me signing as the borrower. My ex deeded the land to me because Flagstar asked that of him. They also had a letter from my ex saying he has n't given any money towards the mortgage since XXXX. New gave me a new principal balance then added on a XXXX promissory note in my name only as the borrower. With the already new principal balance of XXXX. So I went from a current unpaid balance of XXXX to XXXX + XXXX = XXXX. I am so upside down on this modification that I ca n't do anything and to top it off they only asked for my income my ex was not involved and Flagstar knew he needed to come off the note from XXXX. This paper work is so screwed up and they wo n't do anything for me. Can someone help or tell me what to do. My name must have come up for the class action lawsuit because I received another check this past weekend. PLEASE HELP ME OR SHOW ME THE WAY!!!

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 11/27/2017 about Debt collection (Other debt) with Capio Partners, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently pulled my credit report and noticed they were some debt reported by XXXX/CAPIO that I did not owe or ever heard of or ever had contact with. I contacted the company certified mail asking to validate this debt because its not mine. The company responded with a generic XXXX XXXX print out saying as verification. That is nit verification, if XXXX/ CAPIO does not have any documents with my signature agreeing to pay, they need to remove this debt ( XXXX ACCOUNT # XXXX ) of my credit report immediately. They violated FCRA by not providing me proper validation in regards to this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2015 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XXXXDear Citizen 's Bank : These are instructions given to me by XXXX XXXX XXXX for Citizen 's Bank:1. Citizen 's Bank need to file a claim in order for XXXX XXXX XXXX to investigate the students loans that Citizen 's Bank are alleging that me and my mother 's cashed or deposited at XXXX XXXX XXXX in XXXX and XXXX. 
2. XXXX XXXX XXXX has checked both : my mother 's account and mine and did not find any cashed or deposited checks from Citizen 's Bank. I, XXXX XXXX, did n't have an account with XXXX XXXX XXXX until XXXX and I closed my account in XXXX because of fraud happening to my checking account that I was cleared of the charges at a later date by XXXX XXXX XXXX. I can get XXXX XXXX XXXX to confirm this in number XXXX and they did check my mother 's account and they did n't find anything on her account relating to Citizen 's Bank student loans. 
3. This one student loan that Citizen 's Bank sent to me and my mother in the amount of {$15000.00} is fraud and the account number is not the same for me or mother 's accounts with XXXX XXXX XXXX. The Backsplash says XXXX XXXX XXXX and I highly doubt that in 2 or 3 days that a check can get to XXXX, XXXX from XXXX XXXX. Did Citizen Bank send the checks overnite through a shipping company? The check was disbursed XXXX/XXXX/XXXX and according to the date of cashed or deposited it was on XXXX/XXXX/XXXX and then below it says XXXX/XXXX/XXXX. 
4. XXXX XXXX XXXX will give Citizen 's Bank a reference number once the claim is filed. 
5. Please mail me the reference number, so that we can keep up with XXXX XXXX XXXX 's investigation. 
6. We are innocent and once that is proven, please write the {$35000.00} check to me and mother and have the check mailed to : XXXX XXXX - XXXX XXXX, XXXX XXXX ( we have been wrongfully punished for so long. ) I do not understand why Citizens Bank is not following the proper steps to dispute this claim with XXXX XXXX XXXX, we have repeatedly expressed orally and written to Citizen Bank that we did not cash or deposit these checks at XXXX XXXX XXXX. We have filed police reports and filled out ID theft affidavits and Citizen 's Bank still have not filed a claim with XXXX XXXX XXXX so that XXXX XXXX XXXX can find out where these checks were deposited or cashed within their Bank. What Citizen 's Bank gave to us, is a copy of XXXX check in the amount of {$15000.00} and it is fraud. This money did not go into my mother 's account or mine. 
Thank you and I look forward to communicating with you. 
CC : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Medical) with Aargon Agency, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: AARGON Collection Agency XXXX is now continuing to harass me via my cell phone for a {$150.00} debt that was paid to another agency, XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 through their XXXX XXXX XXXX XXXX XXXX payment website. The original debtor is XXXX XXXX Hospital XXXX. I have already filed a complaint against both XXXX XXXX XXXX and XXXX XXXX Hospital in XXXX 2015 for this very same problem. Please refer to the following CFPB case number : XXXX. Either XXXX & XXXX and/or XXXX XXXX Hospital has now sold this note to AARGON instead of acknowledging the fact that they have been paid as of XXXX XXXX, 2015. I also received a bill dated XXXX/XXXX/2015 from AARGON still showing an amount owed of {$150.00} to XXXX XXXX Hospital. The harassment from XXXX XXXX XXXX has stopped but it seems to me that XXXX XXXX Hospital continues to break the law by trying to collect on a debt that has already been paid for.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 06/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Complaint against Seterus, Inc. Their procedures and forms are inadequate to meet customers ' needs ( allocating sums to each item payable ) and amount to a denial of their right to pay correctly additional amounts on their principals, every month, in a reasonable manner. Allocation of amounts paid each month since end of XXXX have been erroneously made by Seterus, causing unresolved phone calls and potential harm ( i.e., late payment ). 
Example : this month, on XXXX XXXX, Seterus allocated the whole amount of my payment ( exceeding my regular monthly amount ) to the principal instead of first to my whole monthly payment and the additional extra amount to the principal, and I discovered by chance that my XXXX XXXX payment was not recorded as paid, which would have induced late charges had I not made an additional phone call to verify Seterus ' letter acknowledging receipt of my payment that I received on XXXX XXXX or thereabout. Each month I must deal with this kind of errors which amount to consumer harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: ASSET ACCEPTANCE IS REPORTING INACCURATE, INJURIOUS INFORMATION TO ALL XXXX CREDIT BUREAUS XXXX, XXXX XXXX AND XXXX. 
THE FIRST CONTACT I HAD WITH THEM IS WHEN I NOTICED THE INACCURATE INJURIOUS INFORMATION ON MY CREDIT REPORTS.I THEN MAILED A VALIDATION NOTICE TO THEM VIA CERTIFIED MAIL AND ASSET ACCEPTANCE RESPONDED STATING THAT THEY COULD NOT RECOGNIZE THE SIGNIFICANCE OF MY COMMUNICATION PERTAINING TO SECTION XXXX OF THE FAIR DEBT COLLECTION PRACTICES ACT.THIS COMPANY BASICALLY STATED THAT THEY DID NOT KNOW WHAT I WANTED THEM TO DO. 
THIS COMPANY IS BLATANBTLY AND INACCURATELY ATTEMPTING TO COLLECT XXXX FROM ME AND I HAVE NO KNOWLEDGE OF THIS ALLEDGED DEBT.THIS COMPANY IS ALSO REPORTING THIS DEBT AS A " FACTORINGACCOUNT '' AS THE " TYPE OF LOAN " WHICH IS FALSE! 
ASSET ACEPTANCE IS ALSO REPORTING THIS DEBT AS '' OPEN '' WHICH IS ALSO FALSE AND THIS COMPANY SHOULD BE HELD ACCOUNTABLE FOR REPORTING ILLEGAL, INJURIOUS AND FALSE INFORMATION THAT IS JEOPARDIZING MY CREDIT AND OVERALL FINANCIAL STATUS.I THANK THE CONSUMER FINANCIAL PROTECTION BUREAU IN ADVANCE FOR ITS ASSISTANCE IN WHAT IS A VERY FRUSTRATING SITUATION FOR ME AFTER HAVING TO FILE THIS COMPLAINT AND PLACE DISPUTES WITH ALL XXXX CREDIT BUREAUS.

Company response to consumer: Closed with explanation