milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was living with my parents about 8years ago and we moved into an apartment together. I moved out 6 years ago and turned over the paperwork that I moved out and my parents would be only people living at that residence. 2 years after I moved out my parents fell on hard times and unfortunately could n't afford the XXXX bedroom rent at this complex. They were XXXX from this place for back rent owed. I was unaware at that time that this company never removed me from the leasing agreement as the old complex manager left the company and never forwarded the paperwork to the office ( or did ) I do n't know. I saw on my credit report that they are going after me for this debt in which i was n't living at this location and had a new contract for several years with my current landlord. I called Rent Recover a couple years back to get this taken care of and sent them my current leasing agreement, etc. They never contacted me back and I did n't think anything about it until recently when I 'm trying to get a mortgage for a house. This is still on my credit report. I contacted Rent Recovery several times ( XXXX ) and spoke to a XXXX XXXX who stated that their is n't much they can do except for me to pay the balance with interest. I reached out to the old leasing company as well and they wo n't do anything either. I am not sure if they never received the information that I was n't living at this residence or had knowledge and decided to ignore it and seek payment from anyone. Rent Recovered refused today XXXX/XXXX/15 to release the validity of the debt to me and would no longer help me unless I pay the balance. One thing I left out, they removed the collection from my credit report on XXXX/XXXX/15 and reissued it on XXXX/XXXX/15 as a new debt with c/o owners on it. I have that documentation. I confronted them about it today and he pushed it off as a mistake by the credit report agency. I 'm stuck between a rock and a hard place and do n't know what my rights are and where should I go from here. Could you help me or direct me to someone who could help?

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX agreed to remove a 90 days late indicator from XXXX XXXX from a number of accounts. I have forwarded this information to the credit reporting agencies, and disputed numerous times, but the 90 day late indicators continue to reappear on my credit reports, after being removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: My car company charged off my car loan because at the end of my loan I still owed money due to a few deferments during the loan. I contacted them to see if i could continue to pay my monthly payments until it was paid if full and I was told NO, I had to pay the balance in full. I could not afford it so they charged it off. I had a XXXX % payment history with my loan. I then talked to someone who said my car is out for repossession. My family gave me a loan and I made a XXXX XXXX payment of {$1800.00} which paid my loan in full. I still had late fees and interest fees of {$940.00} left. I called each week and had a new representative each time tell me someone would call me back. No one would ever help me after I paid the {$1800.00}. Finally I spoke to a guy that went over my option of a settlement for the remaining fees. I was told I would get a per-settlement offer via e-mail sent to me. It never came. I called and called and then finally I spoke to XXXX XXXX, she looked at my notes and apologized for getting no responses and the run around. she said that guy who made the settlement terms with me was no longer with them. She then said all settlements in their company are placed on suspension and she would contact me once the suspension was released. A week later I got a call from XXXX and she said they accepted my settlement of {$650.00} and the other term was that they would delete the account from my credit. Today I received the per-settlement e-mail letter. It did not indicate the term of the account deletion from my credit so I responded to the e-mail asking someone to please contact me. After 4 hours and no call I called XXXX myself and explained that this term was left out and can they please revise the letter and re-send it to me so I can pay this right away. XXXX told me No, they ca n't change the letter, she said I need to pay and they will take care of that. I said I need this in writing. She then became mad and very rude to me saying she has went above and beyond to help me when in fact I was the one calling their company everyday with no responses. She said she has no access to e-mail when I asked her to send me a confirming e-mail of our terms since they ca n't change the letter, she said there is nothing she can do and to not call her again today ( that was my first time calling her today ). I am so upset, all I want to do is pay my settlement and have this removed from my credit so I can forget about them forever. They have zero customer service skills and do not care about their customers. I do not know what to do at this point. If I do not pay I will never receive my pink slip and they will continue to report missing payments to my credit like they did last month even though my car is paid in full and the remaining balance is just fees. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Consumer Loan (Installment loan) with Omni Financial Group, Inc (NY).
Issue: Managing the loan or lease

Complaint: The loan account ( account # XXXX ) from this creditor ( Omni Financial XXXX/Omni XXXX ) was paid off via a collections agency ( XXXX XXXX XXXX ). The collection agency claims to have reported the paid off debt to the creditor, yet the creditor insists on not having such information in order to update the credit bureaus. After repeated calls and referrals back to the same collection agency which collects debts for Omni Financial XXXX/Omni XXXX, I 'm left with very little options. As 0f XX/XX/2017, none of the major credit bureaus have received an account update message from Omni. I have a paid in full/XXXX balance receipt from XXXX XXXX XXXX with Omni Financial XXXX listed as the original creditor to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (FHA mortgage) with TIAA, FSB (CA).
Issue: Struggling to pay mortgage

Complaint: Investor is Everbank AND Servicer is XXXX. My loan file has issues with dual tracking, mal practice and employee incompetency. I submitted my file to XXXX ( XXXX XXXX XXXX XXXX XXXX ) for review for a possible loan modification, sometime in XX/XX/XXXX. It takes this servicer such a long time to acknowledge reciept of submitted documents. Finally on XX/XX/XXXX my servicer deemed my to be complete and sent me letter that it would take them 30 days from then for me a response. XXXX has its own timeline. On XX/XX/XXXX, which is 30 days later, they sent my file to underwriting. meanwhile I had scheduled foreclosure trustee sale on XX/XX/XXXX. The entire time to this day, my home has been on active sale and marketed thier attorneys XXXX XXXX and XXXX XXXX XXXX, who are not properly supervised by XXXX. On XX/XX/XXXX, the foreclosure attorney website reflected an active sale with bidding instructions of {$500000.00} minimum bid. On XX/XX/XXXX, I was so furious and talked to an employee, who could not explain what was going on, even after consulting with their supervisor. Even though they postponed the foreclosure sale date to XX/XX/XXXX, My loan file is still in review with an active sale date. I communicated and wrote to my servicer, to date I can afford my monthly payments comfortably and make my payments on time. I wish to keep my primary residence and will do what ever it takes for my and family and the rest of the tenants. I wish XXXX XXXX the investor to my loan sends it somewhere else for servicing. My home is also located in the XXXX XXXX area declared by Fema on XX/XX/XXXX for the natural disaster floods. This situation caused furthermore financial harm to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: The week of XX/XX/XXXX I sent validation/ verification to XXXX , Equifax , and XXXX because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from XXXX and XXXX. However XXXX is still on all three bureaus. Equifax wouldn't delete XXXX even though they never could prove the debt to be mines. Also Equifax couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (I do not know) with Ditech Financial LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Ditech Morg. company sent me my payment of {$1700.00} TAX CREDIT CHECK back in XX/XX/XXXX. I never received it. And they claimed that I received and cashed the heck that I never received. I did all of the research, and check with the bank that they said it was cashed at, bank of XXXX XXXX XXXX XXXX. They confirm that no check was never ever cashed there by me or that Amount. As per XXXX XXXX the bank manager. After checking the copy of the returned. There separate check, the one with my sign. was from the previous year check for {$1000.00}. that did receive a year ago.XX/XX/XXXX. I never received the XXXX check for {$1700.00}. Please see the attached police report, I contacted DLLR -Dept of Labor, Licensing and Regulation XXXX XXXX XXXX & XXXX XXXX XXXX Who told me to contact your office. SUDDLEY, DITECH HAVE CLOSE THE CASE AND DID NOT OPEN THE RESEARCH AT XXXX XXXX XX/XX/XXXX XXXX XXXX ACCORDING TO XXXX XXXX THE BANK MANGER. CLOSED UP THAT LOCATION AND TRANFER THE NAME ON MY ACCOUNT WITH OUT TELL ING DLLR. I STILL DO NOT HAVE MY CHECK

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a XXXX bank charge that is not mine on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from US BANK RMS CC located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013. The balance showing owed/charged off is {$2700.00}. I have no knowledge or ownership of a credit card account from US BANK bank.

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 02-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I ca n't pay my loan. I am unemployed. Navigate just wants me to pay for forbearance everytime instead or lowering my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Late fee

Complaint: Hello, I was charged interest despite playing all amounts in full. I did n't realize that my interest free period was expired on XXXX, but automatic payments happen at end of the billing cycle. 

This is an unintentional mistake, please waive my interest amount just for this time. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Checking or savings account (Other banking product or service) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Hello I have been paying the credit card off from {$1500.00} to {$1000.00}. I received a statement that I owed another {$1500.00}. The are stating that I have interest on the card. Please see statement showing for 2015 YEAR TO DATE - total interest charged  XXXX  different amounts, {$27.00}, {$400.00}, {$19.00}.     When I cotacted the credit card company Care Credit owned  by Sychrony B ank, they told me to get another credit card and transfer the money I owe of {$1000.00}. That they would give me another 30 days to do that. In the meantime, they had already added {$500.00} dollars to the account. When I tried to get another credit card with  XXXX  they told me I owed too much money on Care Credit card that I was up to my lim it! Sychrony Bank lie d and they add whatever they want to the account. I 'm afraid they will keep doing this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan was recently taken over by Nationstar Mortgage LLC. They sent me a letter saying I had insufficient flood insurance and needed to raise my insurance or they would add gap insurance to my policy. Even though my principal balance owed is less than {$27000.00} they are requiring me to match the replacement value of {$150000.00} set by my homeowners policy. When I called and explained that I read the policy set forth XXXX that XXXX of these apply Under the FDPA, the mandatory flood insurance purchase amount is the lesser of : The outstanding principal balance of the loan ( XXXX XXXX, or The maximum amount of insurance available under the XXXX XXXX XXXX XXXX ( XXXX ), which is the lesser of The maximum limit available for the type of structure ( {$250000.00} for a residential structure, ), or The insurable value of the structure ( typically the replacement cost value of your home ). 

According to this the lesser of these would be that I have at least {$27000.00} of flood insurance coverage, ( I currently have a policy of {$30000.00} coverage ). They said according to XXXX they can charge what they want. By adding this additional coverage my payment will go up over {$100.00} a month! 
If I do n't get my own coverage they will force me to get their insurance and raise my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX claims I owed them money after returning my leased vehicle 13 months early and not buying the vehicle. XXXX claims I owed them {$500.00} dollars. I disputed the amount for a year. Ally reviewed my account and adjusted the amount they claim I owed them. I paid the amount off in full the next month to end this issue with XXXX. The agreed to have this claim removed from my credit report. XXXX credit companies are still showing my account as a charge off even thou I did pay the adjusted amount off in full. I 'm trying to refinance my mortgage and Equifax and XXXX XXXX have my score so low because off this claim with XXXX and I ca n't refinance my house. I still dispute I owed XXXX any money and only agreed to pay off the adjusted amount so my credit scores would be fixed so I could refinance my house loan. XXXX, at XXXX agreed to have my fix my credit scores after I paid the account off in full after the amount was adjusted. I 've never missed a payment in my entire life and have always paid my bills on time or early my whole life. 2 months after paying off XXXX, I still ca n't refinance my loan because of bad credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: I am late ... almost 30 days. I went online to make payment. Wo n't let me pay just the past due amount. Its totally impossible online and with their phone system. The ONLY w ay to pay is my past due amount AND next month which is n't technically due or late yet. I either have to make 2 payments or have a 30 day late. This does n't seem right 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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  XXXX   XXXX ,  XXXX  I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX     XXXX , I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be stationed. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In  XXXX  of  XXXX , I got stationed in  XXXX ,  XXXX , I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact my   XXXX   XXXX   XXXX   XXXX   XXXX   if i did. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receiv e one in  the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DriveTime (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The following inquiry is showing on my  XXXX  Credit Report. I reached out to the business who stated they can not remove this inquiry and that I should contact  XXXX  directly to remove.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  XXXX

Company response to consumer: Closed with explanation