milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXXXXXX and the economy got the best of us, but I paid our tax lien of $ XXXX XXXX. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working on a short sale contract for my condo in Florida with GreenTree ( now Ditech ) since XX/XX/XXXX. I have a real estate lawyer to help me navigate this but he has not been able to get much response from the bank. They are constantly passing my contract to a new negotiator who claims to know nothing. This buyer has been very patient and agreed to the bank 's asking price of XXXX ( which is above all the comps ) in XX/XX/XXXX, yet the contract fell through because GreenTree was not responding to any calls or emails from my lawyer. I almost lost this buyer but he decided to give it another shot, we resubmitted the contract in XX/XX/XXXX, and still the contract gets no response. This is for the amount the bank negotiated and I have provided all paperwork they asked, so why is this not moving forward? I 'm afraid this will go into foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with SYNCHRONY FINANCIAL (MS).
Issue: Closing/Cancelling account

Complaint: I have a Dick 's Sporting Goods Card. I have been very good about making payments on time. Recently I had a payment returned because I supposedly had insufficient funds. My bank must have made some kind of mistake. I know there were funds in my account. The Dick 's Sporting Goods card people are not being very helpful in resolving the manner. I want to get the account reopened and I am begging for your help in resolving the manner.

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 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs Transunion, XXXX and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!

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 12-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Apelles, LLC (KY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I contacted the company via letter and told them they could not contact me via phone. They ignored my letter and continue to do so in violation of my rights and leave messages without knowing who listens to them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Payday loan) with Clear Debt Solutions, LLC (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The debt collector did not want to agree with the amount I could pay to help satisfy the debt so I told him that I could not do it and he refused so I hung up. The collector has contacted my ex wife of whom I have been divorced from for 10 years and he also have been contacting my job making threats. He has released all of my info to whoever answers the phone and this is becoming a problem.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: When Seterus took over as our lender after 17 years with XXXX Bank, they failed to send me a new escrow statement in XXXX XXXX. It was mailed to an individual that I do not know in a different city. I found this out just last month when a copy of the statement was provided to me from Seterus. I had expected a statement in the mail to my home address but never was sent XXXX. In XXXX XXXX, I called to find out how much I owed, and Seterus refused to tell me over the phone. I sent in a payment in XXXX XXXX for the amount that XXXX had previously told me to pay. After several letter writings to Seterus, we were finally told the correct amount to send in. We continue to not receive monthly statements from Seterus and instead were told we could find this out over the phone. 
In XXXX XXXX, I sent in XXXX checks ( mortgage payment and additional escrow payment ) with instructions, all in the same envelope. Only the additional escrow check was cashed. After two months of letter writing and faxes to authorize the release of the other check for the mortgage payment, the check was still not cashed. This check was for a different amount than what was required as I wanted the escrow shortage divided over 12 months rather than 4 years. The total of the XXXX checks was more than the required monthly mortgage payment. I ended up putting a stop payment on the check in XXXX XXXX and issued a replacement check for the same amount written as what was written on the original check to Seterus for the XXXX XXXX mortgage. This check was cashed in XXXX XXXX. I am still receiving demands for more money from Seterus yet our mortgage is current. Because of a lack of monthly statements from Seterus, it is difficult to determine what is going on with checks that I send in to them. We are told different information each time we write to their correspondence address.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (I do not know) with Niagara Restitution Service Inc (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX/XXXX/XXXX XXXX XXXX with with XXXX XXXX XXXX threatens to sue and suspend license for unknown debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: SLS has not applied two payments made on XXXX/XXXX/2016 and XXXX/XXXX/2016 to our mortgage account. Both payments were made electronically using a service called XXXX. We have paid our mortgage payment using this same process for over 5 years and have not had this issue in the past. We have contacted them numerous times ( 10+ ) and submitted documentation showing the money has come out of our checking account yet they have not given us credit. They have not called us once since our initial call on XXXX XXXX and have not acknowledged receipt of any of our documentation until I call them to verify that this documentation has been received by them. I have had to pay XXXX additional monthly payments for the two months ( XX/XX/XXXX and XX/XX/XXXX ) to get the account out of arrears and requested this amount of {$3600.00} ( equal to two months of payments ) be refunded to us since I have paid XXXX payments for 2 months. No one is taking responsibility to get this done. Their billing statement has a " Error XXXX and Requests for Information '' section which references that borrowers have certain rights under Federal law relating to resolving disputes and says you can learn more about this on their website but there is nothing that I can find on their website that gives information on this. They also list their phone # but when I was talking to XXXX, a Supervisor in Executive Services Department he did n't answer the questions I asked about them having 30 days to resolve or respond to my inquiry and request.

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
Consumer complaint received 08/27/2016 about Credit card () with Colony Brands, Inc. (IL).
Issue: Unsolicited issuance of credit card

Complaint: Company is reporting on my credit report that I owe them I just realized this is showing on the credit report I have written to them and they sent me back a identity theft affidavit and i asked that they investigate the debt but they are stating the form must be completed first but I have not indicated identity theft as of yet. I returned the form with notary because the police have not been contacted.I asked that a copy of any of the orders and or payments made be sent to me. no response as of yet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/29/2015 about Credit card () with CITIBANK, N.A. (MO).
Issue: APR or interest rate

Complaint: I have a revolving credit card with Citibank. I have had an account there since XX/XX/XXXX. The maximum limit on that account is XXXX. The current balance is {$12000.00}. I used it to travel with a year ago and I have been paying it off monthly. I am not using it until I pay off the balance and I have not missed a payment, in fact I usually pay more than the minimum required payment. As of XX/XX/XXXX I received notice that my interest rate had been increased from 18 % to a punitive 29 %. I have never had a late payment and there is no reason for them to jack up the interest rate to a punitive level.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I currently have two private loans with Navient. The first loan was taken in the amount of {$15000.00} and is now after interest {$28000.00}. The second loan I took was in the amount of {$12000.00} and is now {$22000.00}. My total loan balance has nearly doubled and now {$50000.00} and growing when my original loan balance was {$28000.00}. I have been on the payment reduction plan because the normal monthly payments they expect me to make are truly unrealistic and impossible for me based on my income. I have made my best attempt at making every payment in the payment reduction program however the balance continues to grow because those payments I am making are simply going to growing interest. At this rate I will never be able to pay off these loans and simply do not know what to do. I believe I was deceived by XXXX XXXX when I took these loans and had I known what I would be going through now I simply would have never taken private loans in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (LA).
Issue: Managing the loan or lease

Complaint: The last payment on my note was due on XXXX/XXXX/15. On XXXX/XXXX/15 I received an email from Nissan Motor Acceptance Corporation ( identical to the emails I have received every month prior ) stating that my payment would be due on XXXX/XXXX/15. This email stated : " If you are currently enrolled in XXXX of our automatic payment programs, your payment will be automatically deducted. '' I have been enrolled in the automatic payment program for some time ( possibly since the inception of the loan ) so I naturally assumed that my last payment would be automatically deducted. Today I received an email from NMAC stating that I have an overdue balance. I called NMAC and explained the situation to a customer service representative. I was told that the last payment can not be automatically deducted and must be paid directly. I told the representative that I had not received any correspondence informing me of this policy and that I had, in fact, received a statement saying that my payment would be automatically deducted. I was told that this information is " usually submitted via the email information we have on file. '' I responded that I had not received any correspondence from them and, therefore, would like the interest to be deducted from my account. I was told that my balance was " not negotiable. '' I then asked to speak to a supervisor. After being put on hold for several minutes I was told that a supervisor had been found and that my call was being transferred. At that point I was put on hold again and, after a lengthy wait, my call went through to a mailbox ( extension XXXX ). Instead of leaving a message I chose to call the extension again. At that point my call continued for several minutes unanswered before it was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have demanded authentication from Equifax pertaining to the multiple negative postings on my credit bureau. XXXX XXXX, a public utility without authority to even post accounts on consumer credit reports has consistently moved XXXX account into another, thus creating a total of XXXX trade lines, all negative. Equifax has not completed a reinvestigation properly to show that XXXX account ties into the other. This abusive reporting process should be heavily scrutinized by the Federal Trade Commission. Currently, there is no ties of the Fair Credit Reporting Act to public utilities, as all utilities are governed by state public service commissions, not the Fair Credit Reporting Act. Equifax must show an actual connection by written proof of a contract between the parties before a trade line can be set on a credit report. This can not be the case for a public utility like XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery Assets ( PRA XXXX acquired the account due to issues with a XXXX XXXX XXXX error, once I learned I was able to resolve the issue outside of XXXX, I contacted the PRA directly and made the payment in full closing the account. I was told the account would be reported as paid and removed from collections status as soon as the payment was received from my bank account. The payment cleared my account as agreed and to date PRA has not reported this information to the credit reporting agencies which continues to have a negative impact on my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (I do not know) with GC Services Limited Partnership (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: until this day, I have not received a response from the company what the debt is regarding. The company is now in violation of fcra. They have caused financial injury and are not following approporitate guidelines.The company can follow back with the cfbp, however, if they can not respond to the customer directly, they are send account back to the original creditor. This debt collector exacaerbates the matter on a daily basis. This is also a government  XXXX  and this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (CA).
Issue: Shopping for a loan or lease

Complaint: ProsperXXXX appears to be preventing shopping around for best interest rates. Received e-mail that said our rates are lower than before, please click to see new rates available. I clicked on advertisement and after entering some information they said have to decline offer as was declined within last 120 days. I called the customer service number said, I have a loan with prosper and was checking the rate in the advertisement for a lower rate. They said that I must of applied to an affiliated company within last 120 days, such as lending club ( which I did to see what their rate was ) and therefore ca n't consider an offer. Customer service said, need to be careful and not click on those advertisements. I said that sounds like Prosper is preventing people from shopping around for the best interest rate. Customer Service agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I had recently made settlement arrangements with the recovery department of Santander for a car loan that defaulted last year. I had fallen onto a period of financial hardship due to unemployment and was unable to make my payments. While the settlement agreement was resolved amicably, they have not yet sent me receipt of payment and more importantly, they have not issued the title to the vehicle. This puts me in a very unfortunate position as I am trying to register the vehicle in my state and they are preventing from doing so without the original document. Without registration, I am unable to acquire insurance and thus legally maintain the vehicle. I have made several attempts to contact the company to resolve this issue and keep finding that the date they will issue the title gets pushed further back. My last communication, a representative from the office of the president, curtly responded that " I went this long without making a payment, than I can wait this long without the title ''. I am trying to do the right thing, by paying off the debt, and abide by my local laws. I feel that this company making efforts to reprimand my delinquency but consequently preventing me from accomplishing this goal.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: B of A continues to discriminate against XXXX XXXX based on his race, language, nation origin. We have attempted to rectify the numerous issues he has encountered with B of A to no avail. We previously submitted a complaint with regards to the failed loan modification review from XXXX 2016. B of A held on to the file for months stating the file was being reviewed before they finally admitted they were refusing to review the file. The run around for the mod review in XXXX 2016 was due to a Social security/ tax id number issue. It took them over 6 Months to finally inform us of the issue, as B of A employees failed to relay any useful information throughout those six months. We were finally made aware of the issue from B of A employee XXXX once the complaint was filed. We sent out form XXXX to B of A as requested. 
The reason for the complaint today is that 3 years ago B of A changed XXXX XXXX 's " social. '' He used XXXX to obtain the loan. XXXX is the number they currently have on file, and is what is currently being used to verify the account when the client and or our office call in. BANK OF AMERICA made the decision to make that change. One number is the social and one is a tax id. We have asked them why they made that change 3 years ago, and they have yet to inform us of that reason. Due to the change, they are REFUSING TO MOVE THE LOAN MODIFCATION FORWARD. They confirmed they have the docs, but the file sits there. Currently B of A is waiting on the IRS to verify some information. The information THEY decided to change. They do not know how long this will take, but they continue to move forward with the foreclosure. 
A full mod package was sent in XXXX and went nowhere. Once the XXXX form was sent in, we resubmitted a mod package. We called in weekly and were informed they had the docs, but are waiting on the IRS to get back to them. Bank of America is DUAL TRACKING. They have a complete modification package and yet are foreclosing due to an issue they created. At this time, we are demanding the sale date for XXXX be postponed until the issue is resolved, as well as answers be provided to the questions we have, or he will assert his legal right in district Court Naming Bank of America as a defendant.

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