milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: In  XXXX  of  XXXX  I opened a  XXXX  account, with the hope of building my credit. I paid the {$30.00} fee and ordered  XXXX  item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance.     So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to  XXXX . After the second attempt, I was given my {$30.00} enrollment fee back and closed my account.     Fast Forward to  XXXX  and the harassing collection calls begin.  XXXX  was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department  and 3-4 people o ver the course of  5-6 mo nths ( beginning  XXXX   XXXX   ) and t hey all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped.     The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to  XXXX  's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although TransUnion showed the account as closed, it still showed a {$100.00} high balance.   XXXX    shows no balance, but a 30 day delinquency and not closed.  XXXX  shows a {$100.00} high balance and not closed.     I have disputed this information with all  XXXX  creditors and the account was " verified '' ; however, this info is incorrect.     I have talked to  XXXX  and they claim my account was deleted on all  XXXX  bureaus, but as of today, it still stands.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Original mortgage was with America 's Servicing Company. Wells Fargo assumed my mortgage. Prior to the transition I applied for a Hamp modification which took 3 months. During that time ASC reported me as being 60 days late which was incorrectly reported to the 3 credit bureaus. Additionally, after Wells Fargo assumed my mortgage and I was paying them direct, America 's Servicing Company continued to report me as being late on my old mortgage account/loan number. They have double dipped and incorrectly reported negative hits to my 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 06/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Student loan repayments started in 2002. Although payments have been consistently made, with a couple of deferments, my student loan balance has increased from Approx {$80000.00} to $ 100,000+ according to Navient. I have consistently paid {$300.00} every two weeks in accordance with my agreement with Navient, yet Navient consistently assesses late fees and other penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Remex, Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi, I have some hard inquires in my credit report that I didn't ask for, accounts that were closed on good standing that look open and some collections that are not looking accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with U.S. BANCORP (NJ).
Issue: Advertising and marketing

Complaint: I am preparing to take a trip out of the country. I went to website for my credit card to determine if my card has XXXX transaction fees. According XXXX there is an underlined link that states " No XXXX Transaction Fees ''. However, when you click on that link XXXX it brings up a fee table that shows there is a XXXX transaction fee of 2 or 3 %, depending upon whether the transaction is in US dollars or a XXXX currency. I then called the customer service center for US Bank, and got a series of confusing answers, then a response that my account had no fees. I requested that the agent request that the misleading information be removed from the company website, but lack confidence that this will actually happen. I am concerned that if I use the US Bank XXXX XXXX XXXX XXXX in a XXXX country that I will end up with transaction fee charges and that the bank will point to the publicly posted fee schedule.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted all 4 credit reporting agencies XXXX, XXXX, transunion, XXXX I sent certified mail requesting then demanding all accounts to be VALIDATED not a verification & to provide me with certified copies of the TRUE BILL and accounting log if accounts ca n't be VALIDATED then it must be removed, remove inquiries, Fraudulent TAX LIEN, remove phone numbers and personal statements, XXXX its a Fraudulent acct. update addresses thryvkerp telling me they have not received any certified mail from me i have the proof they got it UCC 1-308 WITHOUT PREJUDICE

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 01-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX, in reviewing my credit report I notice XXXX XXXX XXXX accounts with different account numbers. I contacted Transunion to dispute the account explaining there should only be XXXX. They told it would be 30 days to verify with XXXX XXXX then will remove it if it should n't be there. XX/XX/XXXX, I reviewed my credit report again but the item was still there. Therefore, I called XXXX XXXX customer service where they confirmed the information then sent information for Transunion to correctand they told Transunion and other credit bureaus. Here it is XXXX, XXXX duplicate account still reflects on my credit report. It appears that the credit report still reflect XXXX XXXX XXXX credit cards. It has now been 9 months trying to get XXXX of the XXXX XXXX Credit Card removed. Although it have an excellent pay history, it is affecting my debt to income ratio which lowering my credit score. They will not update 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 10/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have XXXX tax lien via the state of Georgia on my Equifax credit report. I have attached documents that provide proof that the following should be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: 1 week into contact they began chain calling 3-7 times a day. I called to discuss the issue and was yelled at by XXXX representatives before getting a supervisor who was at least kind. He admitted what they were doing is illegal, I have the entire encounter on recording ( which is legal in my state ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with Global Payments Check Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: attempt to collect the account does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: We had a loan with countrywide aka BOA and it was sold to specialized loan services. BOA foreclosed on the property after 5 years. BOA and XXXX XXXX services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue.

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 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I spoke with XXXX XXXX, who is the Director of NCC Business Services out of XXXX, Arizona. Repeatedly he spoke over me and explained that I owe a debt and its my legal obligation to pay the debt in full. When I asked for a letter showing proof of debt owed, he refused and threatened to disconnect the call. I asked for a settlement due to a hardship and he refused that as well, explaining that I was not in a hardship and accused me of lying. He advised that I should have paid the debt and am violating the law by not paying in full. I was told that they can not settle apartment debts for a lesser amount and this is protected by law. When asked to provide proof of this claim, he refused again.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Victim of Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Student loan (Private student loan) with AES/PHEAA (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: American Education Services on behalf of XXXX. 
Student loans debt XXXX Wont lower payments I filed Chapter XXXX Bankruptcy Company has hired XXXX XXXX XXXX to collect. 
Have asked company to speak to my lawyer regarding student loans and after sending the company multiple emails with third party release for attorney. Paperwork goes missing and they continue to say they have n't received documents.
Attorney has repeatedly asked for documents for the trust and how the loan was required through AES.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with EOS Holdings, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a collection from XXXX from 2 years ago that I paid in 2015 with the company. However, a new collection for the same amount was put on my credit report from a different collection company who is saying that i still owe the money. They wo n't accept any information that i have showing that it has been paid and say that they do n't care. I do n't want to pay the same collection twice especially when i disagreed with the amount the first time from the phone company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Payday loan () with Wakpamni Lake Community Corporation (CA).
Issue: Can't stop charges to bank account

Complaint: I have XXXX XXXX California. I had paid my {$500.00} payday loan in the payments they said. But of course they said all that I paid was to fees and not my loan. So I tried to stop they payments from my account. I could n't pay my rent my car or anything due XXXX XXXX cash. I tried calling them to have them give me more time. They did n't call back instead they took another payment for interest on money I had less than 14 days it was supposed to help. Instead it landed me in more debt stress and the crisis center from an XXXX. Since they took what I needed for my rent. Now they are threatening my job and harassing me. They should f be allowed to do this to people at all. I 've used pay day loans before and I pay maybe {$45.00} extra. These guys want XXXX $!!!! If I had that I would n't have needed the help. And I asked the girl that set me up. And she said no that I was even getting a discount. Horrible!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (I do not know) with Strategic Alliances, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I may have received calls earlier than this but I 'll start when I first made a note. 

On XXXX/XXXX/XXXX at XXXX PM I received a call on my cell from the number : XXXX but no message was left. I called the number back at XXXX and someone from First Financial Asset Management answered the phone. I asked them what they wanted and they stated that they were looking for someone other than myself, this is my personal cell phone and I 've had this number for over ten years. The person on the other line apologized and I stated that I would like to be removed from any further phone calls and that the person they are looking for has no relation to this phone number. They stated they would honor my request I would n't receive anymore calls. 

On XXXX/XXXX/XXXX at XXXX I received a phone call again from the same phone number : XXXX belonging to First Financial Asset Management . No message was left and I did n't have time to return the call. 

On XXXX/XXXX/XXXX at XXXX I received a phone call again from : XXXX belonging to First Financial Asset Management and called them back XXXX. Again, I asked who they were looking for and again they stated someone other than myself. I asked to speak to a supervisor/manager. I was transferred to another person and I stated again that they have the wrong person/number and that I even called to tell them this on XXXX/XXXX/XXXX. The person at First Financial Asset Management admitted that they showed in their system that I did call and did state this but somehow my number kept being added back to thier robodialer. I demanded that I be removed from their system permanently and to never call me again. The person at First Financial Asset Management stated that they would have my infomation sent to their IT dept who would scrub my information from their system. 

On XXXX/XXXX/XXXX at XXXX I received a call from : XXXX which belongs to First Financial Asset Management , this is even after I specifically told them twice that they have the wrong and demanded to be taken off their calls list and a note made about my phone number.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2015 about Debt collection (Federal student loan) with Cedars Business Services, LLC (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was given funds by XXXX university to attend on line classes, After XXXX month of attending I became ill and the passing of a love one and I immediately notify XXXX university of my circumstances. the university instructed me to mail in proper documentation for a leave of absence .I complied and to my surprise XXXX placed my loan with Ceader Financial collection agency and demanded full payment instead of adding it on to my exsiting federal loans

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I rented an apartment at XXXX XXXX XXXX in XXXX WA. They are owned by XXXX XXXX XXXX. Part of our rent was paid by XXXX. Months after we moved out they said we owed back rent because they sent a refund to XXXX. XXXX denies this. ( Part of XXXX ) XXXX also says we could not have moved if we owed rent. XXXX could not produce a copy of the check, the check number or date sent. They had no proof. But continued to try to collect from us. Then they sent it to Hunter Warfield in Florida for collection. I asked for verification and disputed the debt. No verification was provided. I also asked them to stop calling me, a cease communication letter. To date they call me every day. I am sending another letter to get this stopped but they will probably ignore it. They threaten to report it to the credit agencies. Owed rent is not reportable anyway but they will list it as other. Also they have not taken us to court to get a judgement. I said I welcome court because I believe they could not prove their case. They just continue to harass with no proof.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called this company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was allegedly for expenses after I moved out of the apartment at XXXX XXXX. After 4 months of requesting debt validation, I received the contract and the alleged invoice. I called the company and informed them that the invoiced items could not belong to me. According to the lease that was provided to me by the debt collector, the terms began on XX/XX/XXXX through XX/XX/XXXX. The lease was signed on XX/XX/XXXX. The invoice is charging me for items before my lease began and for items that were not done when I was in the apartment. I am being charged for items done on XX/XX/XXXX to XX/XX/XXXX when my lease did not begin!! When I moved in the apartment, it was already painted and cleaned. How can I be charged for painting that allegedly happened when I already moved in? No painting occurred while I was in the property. They are charging me for unit not cleaned on XX/XX/XXXX when I was already in the apartment! They are also charging me for early termination fees of two months and a half when I left the apartment 2 days before my lease ended! I called the debt collector three times and they said they were contacting XXXX XXXX and they never answered my calls. I explained to the debt collectors how is it possible that painting occurred when I was already in the apartment and how can the apartment be cleaned when I was in the apartment? I told them they had the wrong person and they refused to answer my calls and tell me what XXXX XXXX said. This is not my bill and I refuse to pay it. This is damaging my credit report and hurting my chances of purchasing my home! I need this deleted! It is not my bill!!!!

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 10/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: HARDSHIP LETTER : XXXX XXXX, 2015 '' Helping Homeowners Is What We Do! '' Says Ocwen. 
How is Owen helping me by giving me a debt of {$1000000.00} on a home that Ocwen appraises at {$260000.00} when the market value is less than {$200000.00} and making me pay {$3100.00} per month on a home that would, at auction/short sale only realize {$150000.00}? 
In my hardship letter dated XXXX XXXX, 2015 I provided you documentation that showed the original loan was predicated on a fraud perpetrated by the broker and " HIS '' appraiser. 
Ocwen 's mortgage is 4 times more than Ocwen 's appraisalOcwen 's Loan Modificationis based on a loan debt to Ocwen in the amount of : {$1000000.00} Ocwen 's appraisal for the value of the property is : {$260000.00} XXXX XXXX appraisalXXXX {$220000.00} Auction/Short Sale ( per XXXX XXXX ) XXXX $ XXXXI now refer to your letter dated : XXXX XXXX, 2015 in which you responded : Please note that Ocwen was not involved with the origination of the loan and therefore Ocwen or this Office would be unable to comment on matters related to origination.. 
I quite agree that Ocwen is NOT responsible for what happened on the original fraudulent and unethical loan. Ocwen has a wonderful motto : Helping Homeowners Is What We Do! '' How can Ocwen be helping me by making me pay {$3100.00} per month on a home that Ocwnen 's own appraisal says is worth only {$260000.00}?? 
But Ocwen is NOT helping me by perpetrating and enabling the origination of the fraud to continue. If Ocwen really wanted to help, Ocwen could mitigate this " ongoing " fraud in consideration of the true value of the home which is less than {$200000.00}. 
Ocwen states in Paragraph XXXX line # XXXX : " the market or appraised value of a property does not have any bearing on the terms of a modification, '' Do you not realize that you are setting up your investors for a major loss? I can absolutely assure you and your investors that the appraised/market value will have a great deal of bearing when and if the property goes to auction / short sale. 
Professionals in the real estate business ( XXXX XXXX ) advise me that " no sophisticated buyer '' will pay more than {$150000.00} for this property ; I have provided you documentation in my previous communications in support of this. 
I am offering to take on a new loan modification based on a realistic property value of {$200000.00} and/or an arrangement to stay in the property for $ XXXX {$1500.00} per month. 
Sincerely, XXXX XXXX XXXX XXXX, 2015

Company response to consumer: Closed with explanation