milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Debt collection (Other debt) with ERC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This " XXXX XXXX XXXX '', aka " ERC '' of XXXX, FL., a predatory collection agency, continues to report false information about a debt that I was never liable for, for XXXX XXXX XXXX XXXX 

" ERC '' claims the debt originates to XX/XX/XXXX, for {$130.00}. They have been informed repeatedly that I NEVER had an account of ANY type with XXXX beforeXX/XX/XXXX ( when I signed up for cellular phone service after having been with XXXX before then ). 

" ERC '' continues to report the debt ( but paid ) as " valid '', as recently as XX/XX/XXXX without providing ANY verifying documentation as to the validity of the debt. " ERC '' 's only action has been to claim the debt is accurate and to report such to the 3B 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.

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 07/13/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Closing on a mortgage

Complaint: I refinanced my home XX/XX/XXXX and paid off my mortgage with Ocwen. The financing company paid an additional fee so that Ocwen would record the discharge of Ocwen 's mortgage against my deed. I discovered on XX/XX/XXXX, while trying to obtain a home equity note for my home, that this discharge was never filed. All Ocwen would tell me is that it still shows pending and that they would have to research it. I submitted a research request on XX/XX/XXXX but have heard nothing from their 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 05/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Trans Union : Spent Hours on the Phone with this Company, trying to fix my Online Account Credit service that I subscribed to. For the Past Months my Online Score For its own site to Varies XXXX Parties Showed Me either with a XXXX or No Reported Score. When I called in to find a resolution to this, I was transferred back and forth between and online department saying I no longer have a credit report, vs Disputes Saying My Credit Report is still active. Management Claims no Resolution to this and only Access to my report is via Paper form. 

Luckily this has not Effected my Pre-Existing credit accounts, such as XXXX XXXX, who even their tracking system shows me at XXXX, and I still have received raises to my established credit line due to my payment practice. 

XXXX/XXXX Still shows reports, though have not bought into any other online tracking to verify this. Currently Have no Open Disputes ( Which was told that could lead to this Situation ) I have the reporting since My Name is Common and It is common for these credit agencies to shift stuff under my score with very little background information, Such as just using my name. Rather then an SSN # or any type of real form ID attachment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The collection company said that the hospital had a contracted Dr. on duty the night my daughter was seen at the hospital. They said health insurance paid the hospital bill but not the separate Dr. bill. The hospital is no longer in business. I ca n't get a hold of them to fight this bill and I am desperately working to improve my credit. To add insult to injury I was n't even the person who took her to the hospital that night almost 5 or 6 yrs ago so I did n't even sign the paperwork. Their are approximately XXXX separate accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SUNTRUST BANKS, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: My primary residence was going through possible repossession, then short sale with   XXXX   (   XXXX   XXXX   XXXX   XXXX   ) fr om  XX/XX/XXXX - XX/XX/XXXX . Was able to do modification later on. However, the new mortgage is for 40 years.  Suntrust Bank h ad a second mortgage and   XXXX  me stating Debt Forgiven.  Date of identifiable event by  Suntrust  is   XX/XX/XXXX    . This was a taxable event and had to be filed with the IRS.     A recent title search revea led Suntrust is still showing as a lienholder on the property and title. I am looking for Suntrust to remov e themselves as lienholder on the property.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XXXX to a new home and fedloan servicing apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XX/XX/16 which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with Capital Markets Cooporative, LLC (MD).
Issue: Trouble during payment process

Complaint: This is a follow-up to a complaint previously filed by me on  XXXX   XXXX ,  2017 . As background, I had not received a paper statement of my monthly bill and I was getting worried that they would send it too late for me to make the  XXXX   XXXX  payment on time. I did n't want to incur a late charge. I contacted customer service of  XXXX   XXXX  because that was  one  of the logos printed on a prior mortgage bill ) and  XXXX  told me that CMC Funding was servicing my loan and  XXXX  could not help me. I called  CMC Funding  and they pointed me to their website ( I never received a welcome package or information of what the website for online payments was ). But then I could n't seem to login. Finally, after working with the customer service person for an hour, I was able to access my online account and I paid my mortgage for  XXXX   2017 . Today I wanted to go online and check my escrow balance so I went to the CMC website. I clicked the top login button on the webpage and I was routed to a login page where I entered my information. But the webpage said that it did not recognize my account information so I called customer service back to report the online issue. When I spoke with the customer service representative, I was told to go back to the  CMC  website and click the login function on the BOTTOM of the webpage, as the login function on the TOP of the webpage routes to  XXXX  due to a website error. Both  XXXX  and CMC are subsidiaries of  XXXX  but they service different loans for the company. I find it concerning that CMC knows that there is a website functionality error on their website that is routing customers to the wrong loan servicing company and their current solution is to wait until customers call and direct them to use the bottom login. Before I 'd been told this information, I kept going to the top login function to try to access my account and on multiple occasions entered my social security number and other identifying information. It 's disconcerting to me that my information might have been sent to a loan servicing company that is n't associated with my mortgage on multiple occasions due to their website functionality problems. Moreover, CMC still has not addressed why I am no longer receiving paper statements. I ask that CFPB investigate   XXXX   and CMC to determine whether these companies are appropriately servicing loans and whether their negligence results in higher levels of loan defaults and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Although XXXX and XXXX have deleted an old tax lean from 2012. Equifax has not complied with the new law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Taking out the loan or lease

Complaint: I recieved a preappoval letter from OneMain Financial in XXXX. I then applied in XXXX and was approved pending bringing in a vehicle title for my XXXX. Because of the holidays it longer than expected to get my title. Once I received the title I applied for the loan from OneMain. I received inconsistent statements from the loan agent XXXX at the XXXX, Indiana location. It was decided that I needed to reapply after paying off a certain payday loan company. I then filed a complaint against this loan agent direct to the company. I sent the complaint to the company on XXXX. On today 's date I received a letter from the company stating I had been denied credit which is not true. I was approved and cleared any credit requirement. ***I also have a current loan with this company and my credit score has since improved substantially. The letter to me was just a retaliation because of the complaint filed against this loan agent. ***Again I am current customer of this lender. In addition, this loan agent or company maliciously stated that my credit score was a XXXX which is false information as shown by the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or about XXXX XXXX, XXXX, I learned that Hyundai Motor Finance erroneously reported to XXXX and XXXX credit reporting agencies that my car loan was at least 30 days delinquent in XXXX XXXX. I called Hyundai Motor Financing to inquire about the claims. The customer service representative did not show that my account had ever been 30 days delinquent since the inception of the loan. The representative further suggested that I dispute the reported information in my affected credit report files. Shortly thereafter, I disputed the claims with both credit agencies. Around 30 days later, I learned that the reports were not changed, but simply updated. My car loan payments are due on the XXXX of every month. I plan to upload my payment history from Hyundai Motor Finance that proves that my XXXX XXXX payment was not 30 days late. In fact, the XXXX XXXX payment was made on XXXX XXXX, XXXX, according to the financing company website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2017 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: Personal information incorrect

Complaint: I have tried for years to help TRANSUNION to report correct addresses on my file. I have sent numerous occasions via certified mail of copy of Driver 's License of both the former and current address as proof of residence addresses. To date, TRANSUNION refuses to comply! Please remove the following address from my Credit File at once : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Should be : Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX 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 09-04-2017 about Debt collection (Other debt) with Source Receivables Management LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On Thursday XX/XX/XXXX I sent Source Receivables MGMT ( SRM ) a letter to see if their client XXXX is still willing to settle my debt for less than the full amount so that I could paid it off. SRM sent me a letter back dated : XX/XX/XXXX. In that letter they stated they were in receipt of my offer to Settle the XXXX account. That letter stated : Please be advised we are willing to accept your offer to settle for {$500.00} due by XX/XX/XXXX. I withdrew money from my Savings account deposited in my checking and sent them a bill pay on the XX/XX/XXXX. I was able to view the cashed check online. It was posted to SRM 'S account on XX/XX/XXXX. I honored my word by sending in the money to settle before the date it was due. I have a copy of the letter, proof they cashed the check but when it came time to reporting to the agencies they chose not to. So I then Initiated a dispute with XXXX and XXXX. XXXX claimed I owed the full amount per SRM per my first completed dispute report I got back in the mail.. I immediately called up XXXX on XX/XX/XXXX and explained my situation. The rep at XXXX Stated the collection agency is still saying i still owe. I asked her if she got my pdf of my proof of settlement. She said she did. I said based on that letter your reporting is incorrect and you are violating the FCRA. The letter written by SRM to me clearly stated they were excepting my offer to settle. They ca n't circle back and say I still owe a remaining balance. That 's why its called a settlement. So then she said she 'd put in another dispute for me. I told her it should be reported as Account paid in full for less than full balance. Settled.. That same day, XX/XX/XXXX. I sent a fax to SRM which included my letter i wrote them, their reply accepting the settlement amount and lastly a copy of the paid check front and back. On the cover of that fax attn : XXXX XXXX. Per our agreement this account was settle on XXXX. Why is it still being reported as owed/unpaid? XXXX/XXXX were to be updated as paid in full for less than full balance. Settled. I also included my phone number and email address. Needless to say they 've never responded. XXXX ended up fixing the incorrect reporting. However XXXX is still reporting incorrectly. I just got the 2nd dispute back they updated what i paid but are still stating I owe {$580.00} and its past due. That is not right!!! This account is a PAID SETTLEMENT and SRM needs to honor their word and report as such. I have it in writing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On XX/XX/XXXX, I signed a Federal Consolidation Loan Application and Promissory Note. That note stated " Except for any portion of the Federal Consolidation Loan attributable to a HEAL Loan, this loan will bear interest at an annual rate that is fixed for the term of the loan. '' The initial interest rate of the loan was originally 4.875. It was subsequently reduced to 3.625 upon my enrollment in an automatic debit plan. I started to notice on the monthly statements that the balance of the loan, after deduction of the amount applied to principal, was less than the balance Navient was providing. I sent many inquiries to Navient regarding the discrepancy, receiving no direct answer that explained the discrepancy. On XX/XX/XXXX, I contacted Senator XXXX XXXX office regarding the issue. The Senator 's office referred me to Federal Student Aid, who advised me to take the steps that I had already taken. My letter to that agency, dated XX/XX/XXXX, received no reply. On XX/XX/XXXX, I contacted Representative XXXX XXXX 's office regarding the same issue. That office contacted the U.S. Department of Education, receiving no response. On XX/XX/XXXX, I received a letter from XXXX XXXX, Office of the Customer Advocate at Navient, with a history of my 10 years of timely payments ( now 11 years ) and the following formulafor the calculation of interest : ( Unpaid Principal x Interest Rate ) divided by 365.25 =Daily Interest Daily Interest x Number of Days = Interest Due I telephoned Navient today, XX/XX/XXXX, regarding the same issue : the computation of interest used by Navient is not that to which I agreed to in the promissory note. I was told that Navient 's computation is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Federal student loan) with AES/PHEAA (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: At the time of this I went to school at XXXX University and XXXX Ohio and during this time I was joining the XXXX my professor call me out in front of the class because my hair was XXXX and remove me from the class and told me never to show my face at the school again I was harassed and humiliated and the dean would not help me at all therefore I want to fight against this Federal Loan

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 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: Credit inquiries on your report that you don't recognize

Complaint: I try to contact XXXX, equifax, and XXXX, about several inquiries in my credit reports that i did not do. I did not authorized companies to run my credit, I been a victim of identity theft for the past months. Someone had been trying open accounts under my name without success, this past months. And CREDIT BUREAUS had remove some inquiries. But since a couple days the same think started to happen all over and XXXX and equifax are ignoring my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had a XXXX student loan with citizens bank, it had been turned over to collection when they were not able to reach me so the gave it back to citizens who in turn just took the funds directly out of my checking without sending me any final notice. They said because it was in my original disclosures when I received the loan back in 2012 they are under no obligation to send me a final notice or warning of action. 

Now I am experiencing a financial hardship because they have taken most of my funds and I am unable to meet my other financial obligations. 

If they sent me a notice stating you have until XXXX XXXX, or we will take the full amount from your account I would have reached out to them. Instead I find out when I check my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is fradulant trying to collect a debt that isn't owe to them.This same debt is with two different collection services.

Company response to consumer: Closed with non-monetary relief