milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with Knight Adjustment Bureau (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Today ( XX/XX/2017 ), I received a letter from knight adjustment bureau. They claim to have an account for me from XXXX XXXX. They also claim that I owe {$1200.00}. I do not currently have, nor have I ever dealt with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have XXXX hard inquiries, most I dont even know about. I called and Transunion didnt help me, so Im looking to you. Its really affecting my credit. I still have inquiries from XXXX which doesnt make any sense, please help. 
Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
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: My student loans are currently reflecting incorrectly on all of the major credit bureaus. I have investigated and just now sent in for a complete investigation/audit to XXXX for refund issues with XXXX Kentucky University and XXXX XXXX XXXX. 
Since obtaining my loans I was never properly Advised that by not doing a small income driven payment I would be saving myself apparently now thousands of dollars. Each time I have contacted them I was placed only on a forbearance. 
As of now XXXX XXXX is reflecting the following to the bureaus which has my debt to income ratio WAY over the limits and is causing me to not be able to obtain loans and causing me negative harm and higher premiums on loans and insurance. 

I tried contacting the consumer to find out why the balance ( amount that I have borrowed is right @ XXXX more than the what I originally borrowed ) and I get no where but transferred around. It can not be possible that I have generated XXXX interest on my account and if I have it is their fault for not placing me on a program where I would have at least been paying the interest while I was in school. They false advertise and their customer service lies to students about the options they have. 
According to the FCRA if ANY Company falsely reports information and the Bureaus do not fully investigate ( which I have asked to do on multiple occasions ) They are required to remove this account from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Noticed many inquiries that i did not give permission for on all 3 major credit bureau. I believe that I just like many of the 100 million people who 's information was leaked fell victim too.

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 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In this case, Pinnacle Credit Services ( XXXX XXXX XXXX XXXX MN XXXX, representing their client XXXX XXXX, refused to acknowledge that I never had an account with XXXX and do not owe said telecom giant {$2500.00}. XXXX wrote back that the entry meets the requirements of the Fair Credit Reporting Act. However, that is impossible given that I never engaged their client and only had XXXX and it 's predecessor. Please assist in preventing them from collecting under a false premise.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Im submitting a complaint against Commonwealth Financial Systems, INC. in regards to a collection debt placed on my credit report at all three credit bureaus. I have been disputing this debt all year and they wont remove it and I believe this debt doesnt belong to me and it should be removed from my credit reports ASAP. 

The information they submitted to me doesnt support that the debt belongs to me. The invoice they submitted doesnt have the full explanation of benefits and on the invoice it states XXXX XXXX XXXX. 

The reason Im stating this is not my medical bill is because I have worked for the same company for XXXX years since XXXX and I have the same medical insurance since XXXX. All the claims ( XXXX ) ( XXXX. Acct XXXX ) that were submitted by XXXX XXXX XXXX at XXXX for the date of service on XXXX/XXXX/XXXX had the correct medical insurance information and was paid by my health insurance company. There are no records with my health insurance company that this medical bill was submitted to them in XXXX. 

When I contacted XXXX XXXX XXXX XXXX in regards to the original medical bill they wasnt able to provide me with any information. They only information they were able to provide was my name and that the invoice had the wrong insurance company information on it. They werent able to provide the doctors name or invoice amount. 

The representative ( XXXX XXXX with XXXX XXXX XXXX XXXX informed me that this debt was sold to XXXX XXXX XXXX and he didnt have a record of Commonwealth being the collection agency and he wasnt sure why they referred me to contact them because there was nothing they can do. 

I feel this is not fair to me because I never received a copy of the bill. Im not sure who is at fault with providing incorrect information, if its the hospital but Im suffering from it. When I spoke with Commonwealth they informed me they would not remove this from my credit report unless I pay the full {$960.00}. 

I truly believe this is not my bill because all the bills submitted for service on that day was submitted to my health insurance company and they were paid. I also asked Commonwealth why did they wait so long to report this to the credit bureaus and they stated because they just received the medical bill in XXXX XXXX. 

If data is being passed from XXXX to collection agency to collection agency their might be an error with incorrect data being reported. Please look into this issue and remove this incorrect data from my credit report because the original creditors are not able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX we modified our loan and we were put in a " Shared Appreciation '' Agreement as attached. We understood at the time that what this meant was that they were " forgiving '' a portion of the " Principal Balance '' at the time and that the " New Principal Balance '' during the trial period ( which was only through XXXX/XXXX/XXXX ). We then understood that the modification became permanent and that out of the " New Principal Balance '' of {$280000.00}, {$170000.00} would be forgiven over 3 years commencing in XXXX. The agreement states that the portion of the New Principal Balance that is not deferred, shall bear interest " The Interest Bearing Principal Balance. '' That was {$110000.00} at the rate of 2 % interest and began accruing on XXXX/XXXX/XXXX. We want to sell our home and we called Ocwen today and spoke to two gentlemen, one who cut us off and another who stated " although we forgave the " Deferred Principal Balance '' of {$170000.00}, if you sell the house you would be responsible to pay 25 % equity ( if any ) up and above the " New Principal Balance '' ( described above ) which was {$280000.00}. We argued that this is not what the agreement said but rather it said it was based on the {$280000.00} instead of the {$110000.00}! We argued some more and he then said actually it is the total you refinance the home for in XXXX which was {$390000.00}! We then said you did not forgive anything! We can never sell our house then and it will never, ever be worth {$390000.00} and it will likely be years before it is worth {$280000.00} as it stands right now ; it is worth at the most about {$220000.00}! We believe that if they said that {$170000.00} was forgiven ; it really was n't and especially if they are saying that they go back to the original loan amount of {$390000.00}! 

Please see the attached agreement which again states that " Maturity Date The Shared Appreciation amount, if any, at the Maturity Date shall be 25 % of the difference between the Valuation of the Property as of such date and {$110000.00} ( the Interest Bearing Principal Balance '' as of the Modification Effective Date ( emphasis added ) less any credit determined by Servicer for Subsequent Capital Improvements and any amount of appreciation in excess of Deferred Principal Balance. '' When we pulled these documents up on their website today, they had the wrong Modification Agreement attached with Notary Signatures also. 
Questions : Was {$170000.00} really forgiven? It does n't sound like it to me. 
Why would we be told this reverts back to the original loan of {$390000.00}? This is absolutely no where on the Agreement. 
We kept asking about reduction for " Capital Improvements '' and they did not firmly state that applies! 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My Credit Report has a wrong current address for me, My Employment status needs updated as well. I am not employed any longer, but I do receive XXXX as monthly income. I also have disputed some accounts that are listed on my credit report for various reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is a medical bill that was taken care of XXXX and they ( XXXX ) are charging me again!!! 
It should not be on here. 
ThanksXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with M&T BANK CORPORATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I was approved for a loan modification. And on XX/XX/XXXX I was told that the modification was going to be rescinded due to the second mortgage company XXXX Bank would not move their lien position. I received and XXXX XXXX letter dated for XX/XX/XXXX and I went to XXXX on XX/XX/XXXX. I subsequently received a letter from M and T Bank on XX/XX/XXXX that my mortgage was forward to XXXX for foreclosure proceedings. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they will be pursing legal actions. Based on the documents I received from XXXX and the XXXX XXXX with the dates provided, M and T Bank is in violation of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a complaint to you already # XXXX. I am attaching the letter I received from Ocwen wherein they state that the mortgage payment was increased to {$840.00} on XXXX/XXXX/XXXX and payments of {$800.00} we received after that. I am attaching a copy of Ocwens Escrow analysis dated XXXX/XXXX/XXXX that says the monthly payment is to be {$800.00} as of XXXX/XXXX/XXXX ( NOT the {$840.00} Ocwen now claims ), along with copies of the statements received from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ( after which they stopped sending statements ) which also show that the " Total Regular Payment '' for this time period is {$800.00}. which is the amount that was paid. Needless to say I am still disputing Ocwens claim that any monies are due, the attached " Cancelled Checks '' show we have paid the full amount due " Per the Statements '' we have received through XXXX/XXXX/XXXX, plus {$800.00} was paid for both XX/XX/XXXX & XX/XX/XXXX. I am willing to bet their current escrow balance is incorrect also. 

So what do we do now? I have repeatedly responded, in writing, to their " Notice of Pre-Forclosure '' letter whereby we request a " In Person '' meeting per page XXXX of their letters. The only response I have ever received is a new " Notice of Pre-Forclosure '' letter, all have been identical save for the date issued, all have been respoded to requesting a " In Person '' meeting. I have now received the same letter dated XXXX/XXXX/XXXX ( which I will respond to tomorrow, requesting a In Person meeting ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My loan is being serviced by Seterus Inc. and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage after the 1st modification was approved. Again, they have offered me two times another loan modification only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've been treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until XXXX XXXX but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tactics ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks on me is taking it 's toll.

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 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (ME).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I implemented a credit freeze with Experian, XXXX and XXXX last year when my personal data was stolen from XXXX XXXX. Experian gave me a XXXX digit PIN to use to unfreeze my credit report but when I tried to use it this morning it was rejected. Experian does NOT provide any means for me to speak with a real, living human being to try and fix this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is reporting a   XXXX   XXXX   XXXX   credit card account on my credit report that does not belong to me. The account number listed on my report is "  XXXX ******  XXXX   '' with an open date of  XX/XX/XXXX . It is currently being reported as a " settled charge off ''. I have sent disputes on XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  and to this date, Experian has not properly investigated into this situation to remove this account. This account was previously also being reported by   XXXX   and  XXXX  before I started disputing it. They deleted it promptly after it was found that it was not my account so I can not understand why Experian keeps turning away my disputes as frivolous. How can Experian get a different investigation result for the same dispute with the other   XXXX   credit bureaus? I have called   XXXX   XXXX   XXXX   and there is n't even record of this account when I speak to them, so this makes things even more confusing.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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: there are several inconsistent errors on my report that needs to be corrected and the agencies have not corrected those errors

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 02/23/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: The lender denied this file in XX/XX/XXXX and still has not provided a denial letter for the appeal process to be entered - we have submitted a loan mod package for review on XX/XX/XXXX and it was denied by XX/XX/XXXX due to the sale date being XX/XX/XXXX and not having 37 days prior to sale to review the package - the lenders reason for denial in XX/XX/XXXX was They stated income showed client could n't afford the home or repayment. XXXX payments behind as of XX/XX/XXXX according to the calculations we entered : loan payment = {$650.00} income used for denial review XXXX = {$2200.00} dti = 28 % affordable - We are disputing the fact that the client does show the affordability to maintain a current pmt once modified. we feel the lender did not calculate the income vs expenses and DIT correctly - the appeal process should be granted and the time allowed for this to be reviewed prior to any sale date occurring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Using a debit or ATM card

Complaint: The bank approved a XXXX from out country to take out of my checking acvount on the XXXX I have contacted them several times went in and filled out papers with bank mansger. They have returned my bill as insufficient funds and have now taken my social security money out of my account. It is now the XXXX and I have none of my money because of them stealing it from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2015 about Other financial service (Traveler’s/Cashier’s checks) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Fraud or scam

Complaint: Received check fro Capital One, LLC for {$2400.00}. No letter with explanation. Check says refund but also says Expense check accounts payable, Called numerous people in capital One-all clueless. Routing numbers on bottom are for Capitol One, NA XXXX XXXX, LA XXXX. 
Guess its a scam? But ca n't figure out how it works. No money being asked from me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Case # XXXX, XXXX XXXX, Wells Fargo Loan # XXXX Foreclosure Sale Date XXXX, I am working with loan modification with the Wells Fargo Home Mortgage Foreclosure Dept. I am trying to fix House Title issue and that is taking time. 
but I can afford reasonable mortgage with me & my family income. I like to request to send complaint letter to Wells Fargo to stop Foreclosure Sale date and work with Loan Modification.

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. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am applying for a home loan and closing next Friday. I just found out that a current dispute I have has caused a delay in closing, so I called all three credit bureaus to CANCEL my dispute, and Transunion is the only XXXX giving me a problem. First, I do n't understand why this could n't be done over the phone ( as the other companies had no problem with that ) but that is not the worst part. The worst part is I FAXED my request over on Wednesday, XXXX XXXX. I called on Thursday, XXXX XXXX only to confirm that my fax was received. The woman I spoke with would NOT confirm receipt of my fax. She told me I had to wait five days to call back and get status. After telling her several times " I understand it takes five days to review but I 'm not trying to get status of review, I only want to confirm that my fax was RECEIVED, not that it has been REVIEWED ''. She still insisted that I had to wait five days for my confirmation. I told her XXXX times that this was ridiculous and I wanted to speak to a supervisor. She would only put me on hold and come back to tell me that SHE spoke with the supervisor and confirmed I have to wait five days. This is the most ridiculous thing I 've ever heard. What if I wait five days just to get confirmation that my fax was not received. Then I have to fax it again and wait another five days just to confirm receipt. I really do n't think the lady I spoke with understood the difference between review and receipt and I do n't appreciate her ignoring my XXXX requests to speak with a supervisor. It was the worst customer service I have ever experienced.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation