milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, this is  XXXX   XXXX  and I had a concern regarding   XXXX   placing a  thirty  day late on my account in  XXXX  of    2016. I was not supposed to be reported for this late, according to a manager i spoke wit h. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen to  XXXX . I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.

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 02-01-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Portfolio Recovery Associates placed a negative Charge-Off on my account before XX/XX/XXXX. They were not licensed to collect in the State of Florida until XX/XX/XXXX. I have attached my credit report dated XX/XX/XXXX to this complaint. 

Portfolio Recovery Associates has been illegally reporting delinquent information to the credit bureaus, I am asking that this information be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am having a problem with navient. I have filled out papers for the repayment plan and keep being told I did n't do it. They consolidated my loans, they have closed and opened the accounts so many times it keeps messing up my credit score. I have asked three times for copies of all my paper work including the original loan documents and they have told me they are in the mail. After 2 months I have yet to get them. I am cniurrently waiting for papers to be sent to me so I can finalize my repayment plan o the income based program. But they have n't showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: They continue to deleted and re add debt every few months. It was taken off and now they put back with a new date as if the debt just started today. They even share with other collectors and double report the item. I have listed the deletion from the past. Today it resurfaced. I am in a home purchase currently please help. 

XXXXXX/XX/XXXX removedXXXX XXXX $ XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX CHECKING ACCOU ( they sold and readded today ) {$1200.00} XXXXXX/XX/XXXX removed dateXXXX XXXX XXXX XXXX XXXX XXXX $ XXXXXXXX Removed dated but today the reaaded and changed collectors name. 

XXXXXXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: I have a home mortgage at Wells Fargo. Wells Fargo increased my home mortgage after 12 months with more than {$120.00} without explaining why or noticing me. 
When I confronted Wells Fargo they started arguing with me and do not want to rectify the problem. This really seems unlawful and unethical!!

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 07-02-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: For the past 3 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. They incorrect debt they are harassing me for and making my life a complete XXXX is for {$430.00} & {$190.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2016 about Mortgage (VA mortgage) with NEW DAY FINANCIAL, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: A man from New Day Financial named XXXX XXXX called me directly in XXXX. He told me that they have a program for XXXX veterans. He told me they have 2.25 % interest rates on VA loans and they can get me that rate on my loan. I asked what it would cost me and he said it would n't cost me anything at all. I had been in my house for 21 years paying my mortgage and I thought I was almost done paying my mortgage. He did n't tell me anything about refinancing my loan, he just told me my interest rate would lower. I would n't have wanted to refinance because I did n't want to have to pay for another 30 years since I thought I was almost done paying my mortgage. If he had told me it was a refinance, I would not have wanted it. I trusted him because he told me that he stands for veterans and is there to help veterans. He sent me papers to sign and told me I had to sign them very quickly because the interest rate could change any minute. He sent a notary to my house with yellow highlights where I had to sign. The notary told me that he was in a hurry so he rushed me to sign then took the papers with him. He was only at my house for XXXX or 15 minutes and told me he would notarize my and my wife 's signatures later. Then he told me I would get the documents back later. I got a stack of documents but they did n't have my signatures. 

After that I had to pay New Day a higher mortgage payment for 12 months. XXXX XXXX told me that 's how New Day keeps helping veterans by taking payments for 12 months on the loans they make. I made the payments to New Day but I still did n't know I had refinanced. After 12 months they turned my loan over to another servicer XXXX. Now I 've learned that New Day was refinancing my loan, and refinanced it twice in XXXX and XXXX without explaining to me what was happening. 

Now my loan balance is much higher than I thought it was and higher than I thought it should be, and now my mortgage goes all the way until XXXX even though I 've been paying for 25 years. I feel like XXXX XXXX and New Day misled me and got me into a situation that I did n't want. He told me it would n't cost me anything, but it has cost me a lot. And my interest rate is 4 %, not 2.25 % like XXXX XXXX said. 

I have tried contacting XXXX XXXX since XXXX but I have never been able to talk to him again.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (DE).
Issue: Managing the loan or lease

Complaint: I was given an auto loan through Santander Financial XX/XX/XXXX for a little over XXXX. Payments of XXXX monthly. As of today XX/XX/XXXX I am still showing a balance of over XXXX dollars. Never missed a payment. They representative stated that any late payments are added to the interest of the loan at XXXX for each day late. Even if this were the case I would 've had to accrue over 365 days late to reflect the current balance which is impossible since I 've only had the car a little over a year. Then I was told my loan total was XXXX which is a complete lie and if it were true that means I would 've paid XXXX dollars within the last year which is also false information according to the records

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My complaint is in regard to Navient ( formerly XXXX XXXX ), the lender that allowed me to take out loans in order to attend college ( The XXXX XXXX of XXXX in XXXX, Pennsylvania ). Since XX/XX/2015, I 've been writing to Navient to negotiate a new payment plan I can afford since I 'm currently unemployed. I requested that they only contact me via mail, to not contact my cosigner and to consider releasing my cosigner from my account. All letters to Navient have been sent certified and I know for certain they received them because they did respond to me in writing. Since then, my cell phone has been called at least once every day from numbers with different area codes that a web search shows to be Navient. In addition, Navient has written to my cosigner and threatened to report them for delinquent payment of loans. I would like to know if Navient is violating the Fair Debt Collection Practices Act when they proceed to do everything I requested that they not do.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
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: I was an AUTHORIZED USER on a XXXX XXXX credit card. I never made a single charge on this account. I disputed it with the three bureaus but Equifax left it on my file. This is a violation of my rights under the Fair Credit Reporting Act. I do n't have the complete account number since I obviously never had a card. But the partial account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Debt collection (Auto) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt was discharged in bankruptcy in XXXX. Received letter XXXX from 3rd party collection agency stating that I still owe original creditor. I called XXXX, XXXX XXXX XXXX, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Risecredit, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is showing as a negative on my XXXX Account and it has been paid in full. The Loan is number XXXX. I would like to have this removed from my credit report. 

thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen acquired my loan from XXXX XXXX XXXX in XXXX XXXX. I was in chap XXXX bankruptcy at the time and it has since been discharged in XXXX XXXX XXXX. Ocwen waited until i was no longer under protection of chap XXXX and then claimed a bogus post petition debt that they say i owed and accelerated my loan to begin forclosure. i have proof of all my payments to ocwen and i am not in arrearage post petition!! They were paid all monies due pre petition but insist i owe them post petition payments due for months of XXXX XXXX until XXXX XXXX I even have statements where one month they claimed i had no post petition debt in XXXX XXXX and then the next month they claimed $ XXXX post petition and the number rises every statement. If i was so called in arrearage post petition then why did they never file a motion for relief from automatic stay during my bankruptcy since they claim my missed payments date back to XXXX XXXX and I was still under bankruptcy until XXXX XXXX. What mortgage company in their right mind would let XXXX post petition payments be in arrearage without filing a motion with the courts to stop an automatic stay!! What they did was waited until my bankruptcy was discharged because they have been trying to get my home because their is plenty of equity since i first filed bankruptcy. They are liars and only put foreigners in their customer service dept and they cant understand what you are trying to convey to them. They also show me as having owed a mortgage payment that was higher than the XXXX i paid to my prior loan servicer, XXXX XXXX XXXX and when i asked for a mortgage analysis XXXX years ago they never did XXXX but now say they are sending me a check for {$2800.00} because they recently did a mortgage analysis and my escrow balance was too much. The reason it was {$2800.00} over the amount it should have been was because they had me paying the wrong amount for my mortgage payment over a period of 3 years!! Had they done the mortgage analysis when first requested XXXX years ago they would have determined my mortgage payment was incorrect! Please help immediately! They are trying to coerce me into a loan modification so they can cover up there faulty accounting. I do not owe them anything!!! I plan to sue like the case XXXX XXXX vs Ocwen which cost them XXXX XXXX for their faulty accounting on her part.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I filed a complaint with the Consumer Finance Protection Bureau regarding issues with Ocwen Loan Servicing and it 's predecessors not providing a 30 day FDCPA letter and I was told by Ocwen that additional time was needed and I was later contacted by Attorney XXXX XXXX XXXX informing me that his law firm represented Ocwen Loan Servicing in Complaint No. XXXX. I sent an email to XXXX XXXX as the letter clearly sated to contact him with any questions. I never received a response back from Attorney XXXX XXXX, but I have since discovered that Attorney XXXX XXXX is not licensed to practice law in the State of North Carolina. Valuable time was wasted by Attorney XXXX 's failure to contact me back and my property was sold on today, XXXX XXXX, 2016 at XXXX XXXX after Ocwen informed me on several occasions that the sale had been postponed. Once I had confirmation from Ocwen that the sale was postponed, I went to Ocwen online set up an appointment with my relationship manager to discuss alternatives to foreclosure while the sale had been placed on hold. The appointment was confirmed for today, XXXX XXXX, 2016 at XXXX. I was given a temporary relationship manager as my relationship manager was unavailable for the appointment time. At XXXX, during my appointment time, my temporary relationship manager informed me that the sale was postponed and that I could download the forms for a modification on-line. I called back again after the time that the sale was originally set for only to find out that the property was sold and that Ocwen had provided false statements to me regarding the postponement of the sale. I have attached a copy of the confirmed appointment time which mentions the fact that the sale was postponed along with a copy of the letter from Attorney XXXX XXXX, who is not a licensed attorney in the state of North Carolina.

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 ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX made XXXX unauthorized hard inquiries on my credit. XXXX XXXX XXXX XXXX XXXX no amount listed only has XXXX Credit card XXXX XXXX their name. XXXX XXXX XXXX, XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XXXX XXXX, XXXX no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XXXX XXXX, XXXX No amount listed only XXXX XXXX XXXX XXXX. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my XXXX XXXX account : Inquiry details XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX from XXXX XXXX, XXXX - Mail XXXX Firms This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report untilJul XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilFeb XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX  and equifax keep dropping my credit score, please see previous complaint, they raised score after complaint then 5 days later dropped it again 56 points, never late 18 % usage 8 accounts 6 have XXXX balance 1 had XXXX other XXXX perfect payment record i believe this is harassment for prior complaint, will not give any reason for credit drop

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I summited a dispute through XXXX XXXX, on XXXX XXXX, 2017, and also with XXXX XXXX. SANTANDER is reporting 30 days past due every month, on my reports. Which is making my credit look bad, I 'm really trying to build my credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted Equifax on XXXX occasions asking them to correct the information contained in my report. My XXXX XXXX account was discharged in Chapter XXXX Bankruptcy XXXX XXXX. On my first dispute # XXXX on XXXX/XXXX/XXXX, I submitted my complaint via certified mail and I included my bankruptcy case/file information. The response that I received back was that my account was " verified '' and nothing was changed on my report. I called on XXXX/XXXX/XXXX and spoke to " XXXX '' dispute # XXXX. Again I explained that the account was discharged in bankruptcy and provided the information again. She spent more time on the phone trying to get me to sign up for the Equifax.com for 17 dollars a month, than addressing my dispute.The response to the XXXX complaint was " updated to show Included in bankruptcy ''. My credit file still reflected reported dates nearly 4 years after the bankruptcy discharge. I called again XXXX/XXXX/XXXX and filed a XXXX dispute # XXXX. I explained again to " XXXX '' that this account was discharged in bankruptcy in XXXX XXXX, that no account history should be reflected after discharge, account should have been deleted from credit file in XXXX of XXXX, and that the re-aging of my account is incorrect and unfair. The response to my XXXX dispute was to change the account to " Discharged in Bankruptcy '' and the Date of XXXX Delinquency remains XXXX. I feel that all three of my disputes were not investigated fully and if it had been the information would have been deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2016 about Credit card () with CITIBANK, N.A. (IA).
Issue: Customer service / Customer relations

Complaint: I received approval for a new Citi credit card in XXXX, and a new card was apparently sent out XXXX/XXXX/2016. I never received it. I called two weeks later, stating I had not received my new card. At that time, customer service informed me I needed to wait the full 10 business days to receive it. I waited until the last week in XXXX to call back. At that time, over 20 business days had passed. The customer service representative told me they would overnight me a new card for free. I just talked to customer service again, on XXXX/XXXX/2016, and was told a new card was never sent and the account was not noted. I was using the online chat feature XXXX times because I could n't get through on the phone. The representative was rude, unhelpful, and would not answer my questions. I had to repeat myself continuously, and some of my answers were never answered. I requested that the card be overnighted free of charge, and they told me I would be charged for it. I asked that the initial spending period be reset so I could use the card and capitalize on the initial spending bonus, but that question was just ignored. I have a payment due on the account, and I have never even gotten the card. Their customer service was apathetic, at XXXX point they were just copying and pasting responses to me in the chat. I have tried calling customer service numerous times, but am put on hold for extended periods of time and then get disconnected. I do n't even know if the new card was sent.

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 monetary relief