milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX XXXX XXXX XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (I do not know) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I asked for them to stop calling and put me on the do not call list because i am not the person they need to contact. The person on the phone became rude and hung up on me. Dhe attempted to intimidate me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 

XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from  happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/2017.

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 05/23/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2008 I was a XXXX and a member of the XXXX in XXXX, CA. I cancelled my membership and returned their lock box equipment. I was not told of any additional charges and I did not expect any additional charges. I have disputed owing the {$88.00} they claim I owe for years. And, recently I viewed a copy of my credit report and see the {$88.00} is still on it. I called XXXX and they informed me that the {$88.00} is for cancelled membership dues ...! I should not have to pay them to cancel the membership and they continue to destroy my credit rating for {$88.00} that I should not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Consumer Loan (Installment loan) with Credit Central Holdings, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: They keep calling and calling and calling even when we told them to stop calling my phone. They told my sister in law that there was an emergency and to call her back immediately ( she got so scared that she thought her brother was in the hospital ) and had to block their number. They have threatened to send people to our home to collect. the lady has left very rude and demeaning messages on mine and my husbands phone. we have spoke to them on the phone and the lady the lady yells and curses at us in which in return sets me off and I have had to tell her that I do n't speak to my husband that way and I will be damned if she does. we have been through a lot this past month when they were calling constantly. my mother passed away on XXXX XXXX and I begged them not to call mine or my moms phone and I was told that they do n't care what is going on in our home and its not their fault. they are driving us crazy. its not like we did n't plan on paying them we are just going through a hard time right now with my husband loosing his job right before XXXX and the lose of my mom. thank XXXX my husband is now working full time again but were still in the hole from when he is unemployed. I do not understand how a company can be so rude and have no compassion what so ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Payday loan, title loan, or personal loan (Installment loan) with Evergreen Financial Services Inc. (AL).
Issue: Struggling to pay your loan

Complaint: On XX/XX/XXXX, I received approval for a {$500.00} installment loan from Evergreen. I made the first few payments in XX/XX/XXXX, then on XX/XX/XXXX entered into a contract with XXXX XXXX XXXX to assist with settling a few pay day loans. 

Evergreen received a Cease and Desist order and a Power of Attorney from XXXX XXXX XXXX  on XX/XX/XXXX, but still processed the payment and have not ceased contacting me regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have repeatedly advised this company that this was a debt I did not incur, sign for and had no knowledge of until I pulled my credit bureau report and saw that there was a lease broken in my name. I have filed a police report, as I was asked to do and this has been XXXX. I have lived in XXXX texas since I moved to Texas XX/XX/2005. XXXX XXXX along with National Credit Audit Corporation have given me XXXX and they will not provide me with any info even though they advised me they have a copy of my driver 's license, social security card and " my signature. '' I have not ever lived in XXXX and have never signed for anyone. I had live at XXXX formerly XXXX XXXX for over 7 years. This process has been tedious and a nighmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-12-2016 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Account opening, closing, or management

Complaint: PNC closed out my checking account back in XXXX of XXXX. They sent no letter or explanation as to why and took {$170000.00} of my money. As of Friday XXXX XXXX, XXXX there is a small balance in the account but it is still open and there is a hold on it. I want to know how a bank can get a way with this. Giving a customer no reason as to why they are closing the account by way of XXXX CLAIMS DEBIT. I called several times and asked for an explanation and never received anything. ( I have enclosed a copy of the last statement of the checking account showing the withdrawal. )

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2016 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (AZ).
Issue: Managing the loan or lease

Complaint: I have been contacted multiple times via Phone and email during work hours after instructing many times to not call me during business hours. I have been contacted from XXXX through XXXX by this company who has no regard when people are working. I no longer have the car, have advised more than once that the car has been traded in, only to be harassed via email and constant calls through out the day by this horrible business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with Receivables Management Partners, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Initiated refi with Roundpoint Mortgage XX/XX/XXXX, called a week prior to loan transfer to inform County Taxes ( 6 months ) and Hazard Insurance ( year ) was paid last month. 

XX/XX/XXXX Roundpoint paid County Taxes and Hazard insurance causing a " shortage '' in our account, i informed them of their mistake they said they would take care of it and request refund and place fund back into escrow balance. 

XX/XX/XXXX, Roundpoint sent us a notice that our mortgage was going up due to a " shortage '' in our escrow account. I had to call and inform them of their mistake and that our account had been refunded our County Taxes and Hazard insurance ( {$4300.00} ). They informed they would run a new escrow analysis since fund had been returned but not accounted. 

XX/XX/XXXX, escrow analysis was never completed. Called again, Roundpoint informed they would run one asap. 

XX/XX/XXXX, Roundpoint has an overage in our escrow account ( over $ 2K ), taxes have not gone up and hazard insurance has not increased, yet Roundpoint withdrew an extra amount to cover for a " fictions escrow shortage ''. Contacted Roundpoint, they never apologized and still initiated the extra amount for XX/XX/XXXX to cover for a non-existent shortage. 

XX/XX/XXXX, Roundpoint sent us a check with excess amount owed back to us causing a real shortage in our escrow account and causing our mortgage to go up! 

These people are totally incompetent when it comes to numbers and escrow accounts! They have illegally raised my mortgage when my fixed rate can not change and my County taxes and Hazard insurance has not increased. 

I have only had their " service '' four months and they have not got ANYTHING right, i have had to call every other week to request promised excreted analysis be done and demand my payment return back to what it was locked in at. 

AVOID this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: At the time of the lease agreement, I was under legal age to sign lease agreement. I was still in XXXX school and on the lease we agreed he was head of house hold. I had no job just school That was also written on the lease XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (HI).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Please take the time to look into student loans and XXXX XXXX XXXX fraudulent practices of applying their students into predatory student loans knowing full well that majority of the students could not repay back those loans after graduation. I had emailed you on this issue a few years back and explained how after graduating from XXXX XXXX with a XXXX XXXX XXXX I was told that my degree from XXXX XXXX was worthless to any governmental agency : State and Federal because of the accreditation of the school. I owe close to {$100000.00} in student loans ( both government and private loans ), many of which are in default or placed on an Income-based repayment plan where my monthly payment is at {$0.00} per month because I can not afford to pay back these loans due to the high cost of living for me to provide for my family of XXXX. 

Most recently XXXX XXXX has been forced to shut down all its ' schools and is being sued by many states due to fraud practices on recruitment, student loans, etc. I had attended XXXX XXXX XXXX in XXXX, Nevada from XXXX - XXXX and graduated as XXXX. I attended school even throughout the economic crash, even through bankruptcy proceedings living off their promises to better opportunities of the future of starting anew and obtaining a better paying job to provide for my family. During the course of attending, XXXX XXXX 's Financial Representatives have placed me into numerous student loans to pay for their courses promising me that when I graduate it would be all for the better. I studied hard and worked hard to get high grades, even while working a full-time job and being a full-time mother to my XXXX children. After graduation, all I found myself was in high student loan debt which I can not repay. Till today, I have been suffering from shame, guilt, XXXX knowing that the debt is still rising from high interests and penalties and all I have to show for all of this is a " Blank '' piece of paper, according to the XXXX personnel when they refused to hire me for a XXXX because I did not meet the education requirements. I was also denied a position as a XXXX agent at the XXXX because my credit is too high and risky, and they too did not recognize my education. 

When will this all end? I do n't have the money to hire a lawyer to help me nor do I know where to start in getting rid of these loans which have been a nightmare to myself and to my family ( with high collection calls from Navient and collection departments ). All this because of a school that refuse ( s ) to take responsibility to misleading me into high debt for an education which is worthless. Help me!

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/14 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. EXPERIAN and XXXX have violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with LAKEVIEW LOAN SERVICING, LLC (IL).
Issue: Trouble during payment process

Complaint: I have attached a XXXX documents. The customer service department sent me a message XXXX XXXX attached XXXX XXXX XXXX which clearly states : Your loan has been non-escrowed for insurance. 
However, the company still charged me for insurance from XXXX XXXX XXXX XXXX, see attachment XXXX CFPB XXXX - XXXX, They keep telling me they sent letters. However, their customer service department was negligent by sending me a message the loan would be non - escrowed. I would like my mortgage to be non-escrowed at once.

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 04-06-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I responded to a letter they sent me regarding an indebtedness, With an explanation of my situation with also a payment towards the debt, In that letter I clearly stated to stop all phone calls. They are continuing to call on both my cell as well as another number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen holds the XXXX on my home and for 2 years I have been appealing to them with documentation, to remove fallacious bankruptcy comments they 've reported to the credit bureaus. All to no avail. 
In XXXX XXXX someone from Ocwen Loan Servicing , LLC in XXXX, XXXX arbitrarily decided that my home and primary residence at the time was included in my bankruptcy which was discharged in XXXX of XXXX. They reported that the debt was " included in XXXX XXXX '' and " discharged '' " XXXX XXXX, XXXX. '' They show the account closed and transferred. My Loan was transferred to Ocwen Loan Servicing in XXXX XXXX XXXX XXXX. 
Last month on XXXX XXXX, in response to a XXXX XXXX, XXXX email, I received a letter from Ocwen 's Office of the Consumer Ombudsman admitting to the error stating the " trade line should reflect as closed and service transferred however, the bankruptcy comment should have been removed. " As of this date the false information remains on my credit report, my complaint submitted to the XXXX has been ignored, and calls to the Ombudsman office have not been returned. 
My payments have never faltered or been late, my payment history is perfect.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: " Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11 ''. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This account below was deleted from credit report after being disputed then added back on. Attached on page XXXX of pervious investigations. 
XXXX XXXX XXXX, XXXX Closed XXXX Missed Payments {$3000.00} This account below is paid in full. 

XXXX XXXX XXXX, XXXX Open - Current {$38000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay mortgage

Complaint: Chase committed fraud then claimed they didnt own the house now bought the house for {$500.00} which is well below market value. Their representative told me on the phone when he called from their " Executive Office '' SO WHAT IF CHASE BOUGHT IT FOR {$500.00} THAT IS NOT AGAINST THE LAW. Then they answer the complaint claiming JP MORGAN CHASE DID NOT PURCHASE THE HOME ... ... Please find attached the REFEREE DEED STATING THAT THE PARTY OF THE SECOND PART ( JP MORGAN CHASE ) paid {$500.00} FOR THE RESIDENCE. THIS IS A PERFECT EXAMPLE OF THE CONTINUOUS LIES THAT JP MORGAN CHASE PERPETRATES. THEN THEY CLAIM THEY HAVE ALREADY ANSWERED THE COMPLAINT. THE ONLY ANSWERS THEY HAVE GIVEN ARE INACCURATE FALSE AND COMPLETE FRAUD

Company response to consumer: Closed with explanation