milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: all of the bad reports are over 10 years old!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting calls from debt company 's even after I change my phone number they get it and call me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account was reported as past due, however, I was approved for a forbearance after speaking with lender. The same is not shown on my credit report. I am requesting that this correction be made to my report as it is affecting my positive payment history and creditworthiness. 

Towards that end, I am also befuddled as to how this account is being managed. I have not received any correspondence from lender nor telephonic communication efforts. Had the same been given, I would have gone ahead and either made payment or requested a timely forbearance. It appears that lender is disinterested in collecting and more with affecting my creditworthiness. 

I would like to reach a resolution with lender as they said would mark my report as in a forbearance, however, they not reflected same in my credit report nor have they provided any documentation/ notice of the forbearance following my phone call with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is a formal complaint against Transworld Systems ( TS ) for violating the conditions of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the FDCPA requires every collector to send a written validation notice stating how much money is owed within five days after first contact. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money. Although I noticed on my phone that I had been called by Transworld Systems ( but never talked to anyone ), this attempt to communicate serves as first contact. However, I did NOT at any time receive a written validation notice from TS within five days, as the FDCPA requires. 

In addition, and although I questioned the validity of this debt from an ER doctor out of network for XXXX, I had made a significant payment as recently as XX/XX/2017 ( after my SS check was directly deposited ), which was before Transworld Systems became involved. Within the last several days, and being in violation of the FDCPA, TS wrongfully turned over this small debt ( {$130.00} ) to the credit agencies, creating unnecessary havoc where none should have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: Form XXXX A was filed from Ocwen as an Acquisition or Abandonment of Secured Property. I still occupy the property.

Company response to consumer: Closed
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do NOT have a signed contract nor any contract with Target. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The company refused to remove all fradulent information from my report

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 05-04-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Trouble during payment process

Complaint: This a new complaint to dispute inaccurate information provided by Carrington Mortgage Services, LLC. to the CFPB for my previous complaint.  Case  #  XXXX .     Please review the attached document for more information

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: An assignment of deed of trust was filed in XXXX County land records office in XXXX XXXX. The document was signed by XXXX XXXX as Assistant Secretary of XXXX XXXX XXXX, formally known as Option One Mortgage Corporation. Since XX/XX/XXXX, we have been asking American Home Mortgage Servicing XXXX Inc, now known as Homeward Residential, to provide evidence that XXXX XXXX XXXX, NA as trustee for Option One Mortgage Loan Trust XXXX was the owner of the note. Each time they sent us a copy of the note, it never included an allonge. But in XXXX, AHMSI presented an allonge that was blank and a later allonge that was stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Non-federal student loan) with AES/PHEAA (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I disputed information being reported on my credit report by AES ( Private Student Loan ) that claims I paid late back in XX/XX/2010. I requested proof that I paid late or for this negative inquiry to be deleted within XXXX Per the Fair Credit Reporting Act, and my request was ignored. Please see that AES complies with my request and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Debt collection (I do not know) with MRS BPO, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: mrs associates, ph ( XXXX ) XXXX continues calling my number which is ( XXXX ) XXXX in an attempt to contact a family member. These are unwanted phone calls, and I hang up before the recording can finish. I am on the " do not call list '' and for privacy have an unlisted number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Debt collection (Payday loan debt) with Wakpamni Lake Community Corporation (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: This collection company called my sisters phone number and left a voicemail. When we called them back they were stating they are a lawyer office and were going to garnish my wages for a debt from XX/XX/XXXX. When I started asking questions she said she could not give me details on the loan. I asked who she worked for and she said an attorney in Delaware. She proceeded to call me ignorant and stupid because I kept asking questions about the original company as well as the company she worked for. She informed me they would be sending information to my employer tomorrow XX/XX/XXXX to start garnishing my wages. She called from XXXX ( XXXX XXXX XXXX and when I asked for her supervisor she refused saying she is the supervisor. I advised her I have not received any information regarding this debt and I would not be paying anything until I receive proof. She again proceeded to call me ignorant several more times.

Company response to consumer: Untimely response
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Torres Credit Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company response to consumer: Closed
Consumer complaint received 06/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: They have been constantly leaving phone messages over the past several weeks. I can not afford the full amount of the loan payments. I was unemployed for  1.5 ye ars. I was even paying {$150.00} per month during that time out of my savings, which I was living off of.   XXXX  They are now calling family members.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: Four years ago, I asked my Bank ( JP Morgan Chase ) about getting paid interest on my checking account. They asked me how much I 'd be able to keep in the account. I told the manager, {$10000.00}, maybe more. She said no problem. They 've been paying interest on the account, but it 's a paltry 0.1 %. This month, I got XXXX XXXX interest on XXXX XXXX, 2017 -- and a charge for {$25.00} because my balance was below {$15000.00} ( {$14.00}, XXXX ). I complained, and they reversed the charge, but it still annoys me. The fee is so far out of line as to be usurious, especially considering the niggardly amount of interest they 've been paying me. One fee would virtually wipe out my interest for more than a year. I am not a happy customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NJ).
Issue: Managing the loan or lease

Complaint: I have a car loan with Wells Fargo dealership services. They incorrectly though my insurance was terminated. I had just change companies, I sent them the information on the new company, however they by mistake as they have informed me put insurance on my car. Because I make double payments each month it was n't until I ask for a payoff that I notice this was happening. I got in touch with Well Fargo insurance company and was able to clear this up by last Friday XX/XX/XXXX. They said I should have a corrected by off in XXXX days. when I checked back Monday & XX/XX/XXXX, they said it would be XXXX business days. Now on XX/XX/XXXX they are not sure when it they will be able to give me a correct payoff statement. They employees have been very rude and have not given any explanation why the delay. If I do n't get it today, I will lose the incentive on the new car I am buying. 
this will cost me XXXX of dollar. When a bank makes a mistake they should not treat the customer like they are doing you a favor to correct it and should be limited in time to make these corrections

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The company,  XXXX   XXXX   XXXX   XXXX , Fl. reported on my personal   XXXX   credit report  XXXX  a placement for collection by  XXXX , account #  XXXX .  ( cr edit report pages are attached ). I mailed a letter dated  XXXX   XXXX   2017  ( which is attached ) stating that I DID NOT RECEIVE a letter for 30 day notification to have an attempt to dispute this debt before reporting to credit agency.  XXXX  is in violation Fair Credit Reporting Act for failure to do so and m y credit score dr opped  XXXX  points ( the damage ), I further followed up with a phone call to them and spoke with  XXXX   XXXX , and  XXXX  who could not locate the account information.. I then called back again and spoke to  XXXX , who said she located the account and would send me copies of the letter from  XXXX  and their " 30 day letter, WHICH I HAVE NOT RECEIVED as of today  XXXX / XXXX / 17 . This debt needs to be removed from my credit bureau agencies, since SR violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The information on my credit report does not belong to me. The name, date of birth do not match mine. The false information has been affecting my life as a college stundent. I canoot get student loans, car, credit cards, or even rent an apartment due to the false information on the credit report.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient keeps wanting me to apply for forbearance, will not stop harassing me over payments.

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 Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Prosper Marketplace Loan account .Ive Been trying to verify this account for four months from XX/XX/XXXX XXXXXX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 03/29/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: This regards a 30 year fixed primary mortgage currently being serviced by Wells Fargo. This morning while talking with a bank representative, it came to my attention that the default way excess payments on my account are processed is not as most consumers including myself would assume. Apparently, paying extra and not specifying what to do with the excess results in the excess being applied to the following month 's payment. Thus, you are paying interest, PMI, taxes and principal e.g. paying extra in XXXX pays the XXXX payment first before paying principal. 

The bank mitigates with the following : Monies in excess of the following month being paid are applied to principal as expected. 
One can call and change the application to principal only ( within 3 months of the transaction ). 

It is possible some consumers want to pay the next months bill. However, it does not make sense as it means paying interest that would be lowered by paying principal. Furthermore, looking at the First Mortgage / Deed of Trust contract, in section 2. Application of Payments or Proceeds we find the following : " Such payments will be applied each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. '' Since my account was and is in good standing, payments should not go to anything other than principal.

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 08/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for BK Chapter XXXX on XXXX. Eventually in my desire to keep my home I applied for loan modification with OCWEN and completed my XXXX trial payments in the amount of {$1900.00} each month on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX respectively to be considered for HAMP. After fulfilling my XXXX trial payments & after signing the HAMP Agreement ( which I had to send back to them for them to sign as instructed ), I was instructed by one of the relationship manager from OCWEN to get a " Motion To Get Quote ( or Court ) Approval '' from my BK lawyer. I was also told that I do n't need to make any monthly payments ( for XX/XX/XXXX & XX/XX/XXXX ) and that my HAMP application will not be processed or approved until they receive the required legal paper from my BK lawyer. I was also advised that monthly payments will resume after I receive back the signed HAMP agreement. 
I was surprised for OCWEN to tell me that I still needed to pay for the months of XX/XX/XXXX and XX/XX/XXXX when I followed up the status of my modification in XX/XX/XXXX because I have not received any papers from them yet. I asked them for the transcripts of all my telephone conversations with them that occured in the month of XX/XX/XXXX to prove to them that I was told not to pay while the HAMP application is still in review but they declined to provide me the full transcript and I was told that I needed to pay for the months of XX/XX/XXXX & XX/XX/XXXX which I declined to do so pending my request 's fulfillment which is the telephone transcripts for the month of XXXX. 
I called OCWEN again in XX/XX/XXXX and I spoke with one of their employees named XXXX ID # XXXX and requested the following : XXXX. Transcript of all telephone conversations between myself and OCWEN that occured XX/XX/XXXX and XXXX. Billing statements. XXXX promised me that billing statements will be sent to me as well as the telephone transcripts requested in a couple of days. 
It 's been almost XXXX weeks now and I have not received any billing statements from OCWEN since the approval of my HAMP and I have not received the telephone transcripts that I requested. 
Also for your information, I have not received any decision yet from the BK court for my BK application up to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Mortgage is punishing us for reporting them to HUD for not following FHA guidelines. We were XXXX out of our home, a XXXX, and did not make our full payments for 9 months while the house was repaired. HUD / FHA guidelines state that mortgage companies should not report for 12 months after a XXXX when the borrower is paying as agreed. We had an FHA mortgage with Wells Fargo. We learned too late that FHA and HUD protects XXXX victims. Our congressman intervened and HUD told Wells to follow guidelines, but we had entered into a contract to sell the home. If they had done the job correctly and offered the options up front, which would have allowed us to keep our home, they would not be able to report the late payments. HUD can not help because we sold the home to avoid foreclosure ( we did not refinance under disaster guidelines because we did n't know of them ). Wells Fargo Mortgage refuses to stop reporting despite knowing they did not initially follow HUD / FHA guidelines. It is obviously punitive for the complaint to HUD. We lost tens of thousands of dollars of property in the flood and were left homeless for a period of time. We had nothing except the clothes we were wearing when we were evacuated. From forks to pillows to underwear, etc, we 've had to replace everything and it 's been hell. Well Fargo Mortgage does not care. It is actually XXXX specific individuals in the mortgage servicing area that continue to not follow FHA guidelines. They must have the account noted ; no matter what method we use to voice a complaint, all contact associated with our mortgage ends up with XXXX of them. We at first thought that the reason they continued to justify the negative reporting was because we complained to HUD, but after speaking with each on the phone it is obvious from their statements that it is because we 're a XXXX couple. HUD guidelines specifically state that there should not be any reporting for a twelve month period after a national disaster, but these XXXX individuals continue to come up with any reason they can because they are XXXX. I question whether the culture at Wells Fargo Mortgage in general is XXXX or just this department, but I seriously recommend any XXXX couple think twice before doing business with Wells Fargo Mortgage.

Company response to consumer: Closed with non-monetary relief