milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Can someone please help us! 
My wife and I must be truthful and our credit scores are less than bad. Also about two months ago we received a modification on this home we 're in now. This has been a nightmare but while I was on military XXXX. 

I was approved to be under the Soldier and Sailor act. 
This lowered, credit cards and our mortgage payments. Unfortunately this mortgage company later wanted to know who was going to pay the difference in payment cost. 

We tried to explain but was met with no aval and they placed the difference onto our loan balance of our loan. 

Which we were unaware until many months later. So after going back and forth with the mortgage and still being on XXXX XXXX and away from home. Our loan was moved to another mortgage company ( Ocwen ), until we attain the modification. 

Unfortunately this is still showing negative on our credit history. How in the world can our government system, allow these companies to ruin families. We are honest people and we hope someone can help. Thank you in advance ; my contact information is XXXX ; XXXX Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The Credit Reporting Agency reported damaging information on my credit report and my rights have been abrogated. The students loans have been paid in full ; however, they still showing negative on my record. I would like to see this damaging info be deleted form my record. 

Thank you.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Received a notification from identity monitoring service that a hard inquiry had been made on my credit report for a XXXX XXXX Credit card that I did not authorize. After talking with TransUnion they refused to help and said that despite being fraudulent the hard inquiry was a statement of fact and they would not remove it. I contacted both XXXX XXXX and XXXX XXXX, who issued the inquiry and explained to them that it was also fraudulent and that they need to send a letter of deletion to transunion to have the inquiry removed, but both institutions claimed they could not send them and it had to be done through the credit bureau, who referred me back to XXXX XXXX for a letter of deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Payday loan () with Big Picture Loans, LLC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I got this loan to help get my car fixed. I borrowed XXXX and it was told to me that I would be paying monthly and now they say I am paying every two weeks with this intrest rate of 533.7084 % and I was told that this is illegal and now by the time I am done I will be paying them XXXX aleast that what this paper say, but after trying to figure it all out I will be paying XXXX. I feel that I am not getting treated wrong and not sure what to do about this. I do not have that kind of money to pay XXXX every two weeks, because I do not make that much money. I only bring maybe XXXX home every two weeks. Plus I have XXXX kids and granddaughter living with me. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Bank account or service (Other bank product/service) with First Data Corporation (FL).
Issue: Account opening, closing, or management

Complaint: Merchant ID XXXXLease # XXXXWe took what was supposed to be XXXX trial offer for a processor and credit card processing machine. We tried out the products and we suffered a charge-back within the first week of having the machine/processor. The bank called our company and advised us the processing account was closed which was 7 days after we opened the account. Now this company first data is saying we have to pay a four year lease because of the initial paperwork that we signed taking the delivery of this machine. Our salesman told us it was 30 days risk free and now this company wants XXXX dollars for the credit card machine which has been sent back to the company within the first 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Original CFB Complaint # : XXXX & XXXX On XXXX XXXX 2016, I received notification from the MT AG, whch stated that Stellar Recovery notified them that they contacted the OC and was not able to verify this debt. And that they have ceased all reporting and collection activity. Somoene is lying, because this is listed as a closed case, that is PAST DUE on my CR, which affects my credit. Stellar Recovery needs to properly send a cease and remove letter to ALL CRAS that they reported this debt to IMMEDIATELY! IT DOES NOT BELONG TO ME! Therefore you are aiding in ruining my credit! Remove this NOW! 
Record # : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by a debt collector for  XXXX , and they refused to give me an address, nor would they send me a letter, they wanted my bank information by phone and I refused.I had not heard from them until recently, because a new company now owns the debt and it has been placed on my credit report. The debt is approximate ly 6 years old. Th e bill must have been going to my old address ... and I was never contacted by phone until it was sent to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i was contacted by Portfolio Recovery associates XX/XX/2016 stating they bought a debt from XXXX XXXX that I was responsible for. I disputed it at that time stating I did not owe this and requested information to prove the debt per my right of the fair debt collection act. they sent me a copy of an old statement but refuse to send any further information such as a signed application or a payment history. I have asked multiple times for this information and they continue to just say either file as a fraud or pay it. they will not substantiate this debt as being mine. it is reported on my credit and causing issues. this company has had a lawsuit from multiple states already regarding their practices and I would like this removed from my credit due to them unable to prove the debt is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Creditor agreed to remove my liability from the account and has removed from all CBR agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was refinancing my house and we had a closing date and then I get a call from a different person at the company than I have been dealing with asking for me to cancel a dispute with a company that I had on my credit report when I asked why he got rude and said just do it so I did they sent the appraiser out to my house and that is where things got ugly they started asking me to go to the county and have them change how they have my house listed when I told them that I have tried to do this and they would not change it with out proof of what my house is so i told them that as soon as the appraisal came in and I had the proof I would go back to them with it and and a few days latter they called me and said they canceled the loan so I ask for a copy of the appraisal and they said they had up to 30 days to send it to me about ten days latter they tell me that I ca n't have a copy of it because they canceled it before he did it one person there says they have it one says they do n't the appraiser says he sent it to them

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 08/19/2015 about Debt collection (I do not know) with Integrated Recovery Services (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was contacted by XXXX XXXX several times and so was my husband and other parties. They stated that they were filing action against me for fraud. They would contact me at work before XXXX and when I requested a debt validation letter they only stated they would email it to me even when I requested this by mail said he would not send it via 'snail mail '

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Statebridge Company (FL).
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: State Bridge Company, LLC is a Loan Servicer. My primary residence loan was financed with XXXX XXXX. They sold it in XX/XX/XXXX to State Bridge Company LLC. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. <P/>I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XX/XX/XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from State Bridge Company, LLC. <P/>You can XXXX them and see the negative reviews from others..

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted Trident Assest Management to validate XXXX returned checks that I have no knowledge of. They sent me XXXX checks with signatures that do not resemble mine. I was never notified of any returned checks to the company listed on the check or the company. I also requested information on their right to the money they say I owe them. I did n't receive it. These accounts remain inaccurate, unvalidated & they continue to report on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have written Equifax several times asking for written verification or the name and or source of the information that they are reporting on XXXX accounts that I had with XXXX. Each letter has been requested with a written receipt. They are reporting XXXX account XXXX with XXXX different charges as charge-off.. The other account they were reporting that I owed money when I had in fact paid the account off. As of XX/XX/2016 they are reporting this last account correct. However ; they have failed to have accurately supply me with written documentation verifying the information that they have reported since my 1st original letter on XX/XX/2016 and my follow-up letter dated XX/XX/2016. 
Because their inability to provide me with some form of written documentation with my signature ; I am requesting that all information being reported on behalf of XXXX with the exception of the account that was paid in full be deleted immediately. I 've reached out to XXXX with XXXX letters ; ( return receipts ) as well and they have not replied to any of the letters requesting written verification. If the creditor can not provide me with the documentation then how could Equifax have verified information? This is my final goodwill attempt before exercising my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with Alliance Data Card Services (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: COMENITY BANKXXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you COMENITY BANKXXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMENITY BANKXXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a recent victim of identity theft. I received my XXXX letter in the mail giving me access to a free credit report to check for any additional fraudulent information. I identified an address that was not mine. I do not live there, nor have I ever lived there. I disputed the information and XXXX got it removed successfully, no problems. Then, I went to Transunion and pulled my credit report and found the same information. I tried to start the dispute process online, but when I did the second address was not listed as something I could dispute. I called Transunion at that point to speak to a representative. The representative was extremely rude, insulted my intelligence, and was unable to help. I sent an email to their customer service, and was told to call the same number again. So, I called today and the representative, again, did not believe me that there was another address. He told me to call back when I was in front of a computer because he did not believe me that I was looking at the TRANSUNION website ( again, insulting my intelligence ). I followed his instructions, called back when I was home, with the credit report in front of me. I spoke with a representative who was unable to help and requested he send me to his supervisor. I spoke with his supervisor whose name was XXXX XXXX and he AGAIN insulted my intelligence. He asked me to read him the URL of the website I was on, refresh the web page, etc, to prove I was telling the truth. Every representative I have spoken to has been insensitive, dismissive, and rude. INCLUDING the representative who answered my email with not even one complete sentence and did not offer to help me AT ALL. When I asked to speak to XXXX 's supervisor, he said I would have to speak to the XXXX team who would not be open until tomorrow. I even offered to send him a screenshot of what I am seeing but he just told me to talk to the other team. I am beyond frustrated with Transunion and their rude, insensitive behavior. You would think these representatives would be trained to handle identity theft victims with a little more empathy.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX I mailed all the information requested to XXXX. I registered on line to dispute. Online will not let me continue, it says I am already set up. XXXX XXXX XXXX, my drivers license number is XXXX. I recently updated the address to reflect XXXX XXXX XXXX XXXX. I mail a copy of my XXXX tax return. This information is prior to two months. I filed bankruptcy in XXXX. The addresses shown on the credit report are XXXX XXXX XXXX XXXX XXXX TN XXXX. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXX, the spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX. XXXX XXXX XXXX XXXX TN is one Of The addresses used by me. The case number is XXXX. The property at XXXX XXXX XXXX XXXX TN XXXX was foreclosed on. The Trustee was XXXX XXXX. XXXX XXXX XXXX an agent for XXXX XXXX is on my report. XXXX XXXX XXXX XXXX in XXXX TN is on my report. XXXX XXXX XXXX XXXX is on my report, account number XXXX. XXXX XXXX is on my report. An inquiry was done with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX handled the bankruptcy case. Attorney XXXX XXXX filed the case. Attorney XXXX XXXX XXXX also helped with the case. The tax transcript I filed with IRS shows I filed my return with XXXX XXXX  {$19000.00}. Refund in the amount of {$1700.00} was applied to balance with IRS. Fraudulent transitions are being reported to IRS using my social security number. IRS have my current address on file XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My former employer ein number is XXXX. {$23000.00} was reported to IRS when I was laid off on XX/XX/XXXX. A fraud tax return was filed using my social security number. I 've reported to IRS using XXXX form for investigation.

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX XXXX, I inquired to XXXX XXXX XXXX XXXX XXXX for XXXX XXXX. As a result, XXXX XXXX XXXX XXXX XXXX did a hard inquiry into my credit report and reported it to Equifax. 

This was totally unnecessary as a soft inquiry would have been sufficient to provide them the information they needed. I ultimately did not use XXXX as their prices were too high. 

I have accounts with XXXX, XXXX, XXXX XXXX, & garbage collection utility providers for my house. None of these have ever done a hard inquiry when establishing or moving to a new location. If necessary, a soft inquiry was always sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (I do not know) with National Enterprise Systems, Inc. (AL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Called a former workplace and left detailed information about my private debt. I have told them repeatedly I no longer work there and they keep calling. I have repeatedly ( for several years ) told them to cease and desist from contacting me. I have no interest in dealing with them. I have sent written request and verbal request on multiple occasions.

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 01-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (ID).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to save my home from foreclosure with a loan modification with Penny Mac Loan Services. They gave me a loan Modification in XXXX that was supposed to be for {$2100.00} per month per a phone conversation but was set at {$2700.00} and none of the Loan Amount and Past payments were reduced as also promised and I got no disclosure of what the Loan Amount was at all, just payment information only. I have been calling since XXXX to try to get a New Loan Modification set up with reduction in Loan Amount and Past Payments & fees by the guidelines of HAMP. Also my income and contributions from others has greatly increased.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and Diversified Consultants. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX-XXXX, and Diversified Consultants-XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.

Company response to consumer: Closed with non-monetary relief