milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My son, XXXX XXXX XXXX, falsely claiming to have power of attorney got access/was given my court ordered spousal support payments, ensuring my ex husband, XXXX XXXX XXXX, that he would administrate my finances. He insinuated his way into my business, including a loan I had at XXXX XXXX on my Jeep Commander. I had an auto-pay arrangement for my car payments. I am not sure how XXXX was paying them but he missed, and/or was late and the car was repossessed. The bank sent everything to him not me, even though I was the client and had the loan. I have no idea what happened. XXXX caused terrible trouble for me from XX/XX/XXXX -XX/XX/XXXX before he stopped. I have to clean up this mess because it is preventing me from getting an auto loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It seems that there are  XXXX  separate collection accounts from the same agency for an   XXXX   XXXX   visit when my daughter   XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX  . I had never received notification of the debt. Only found out when I ran my own credit before shopping for a new car and a new house for my family.  XXXX   XXXX   XXXX  never submitted the claim to our insurance company so, of course, it was not paid. I contacted them to have them submit these charges to  XXXX   XXXX   XXXX   XXXX   XXXX  FL. They said they could not do that and to contact  Debt Recovery Solutions. Debt Recovery Solutions is either unable or unwilling to submit these charges to the insurance company as they should have been 3 1/2 years  ago. This should NOT be showing up on my credit. As a divorced mother of  XXXX , this is impacting our life greatly as I can not be approved for a mortgage with  XXXX  income AND this hanging out there. Please help me and my family!

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (I do not know) with GC Services Limited Partnership (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They never leave a voicemail. I 've filed for bankruptcy and therefore any and all collections MUST STOP. I have n't had a collection call since XXXX and these people just started 4 days ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed the following accounts due to identity theft : XXXX XXXX  XXXX XXXX XXXX XXXX I have submitted my police report along with my identity theft affidavit. Equifax reported back and said these accounts were verified after I clearly submitted a police report and identity theft affidavit. I have already started the intent to sue process and I want these accounts deleted ASAP. The XXXX XXXX has like 2 years of non reported entries and that is clearly a sign of not report accurate information which is a violation and I plan to get monetary damages. I have proof that you sent me a template verified letter back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Payday loan) with Advanced Professional Group (NH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: APG and associates collection agency continues to call family members and others no matter how remotely they are associated with me even though I have already spoken with them multiple times and given them my phone number, address and email address. They continue to claim that they are calling from a lawyers or mediation office and that there is action being taken against me. They refuse to identify themselves as a collection agency and continue with abusive and illegal collection practices. I have asked the agent, XXXX XXXX ( XXXX ), repeatedly to send me something in writing about the debt and they claim they will yet I have received nothing. I do n't even believe that APG is actually their company name. There is no website associated with the name APG of New York. I find it strange that I ca n't find any information about this business online anywhere. A search of their address brings me to another company called XXXX XXXX XXXX, XXXX. or XXXX which both have XXXX Alerts on them. Every tactic they use goes against the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/28/2017 about Student loan (Private student loan) with SLM CORPORATION (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Called on XX/XX/XXXX to tell Sallie Mae that I had recently lost my job and would not be able to make payments for a month or two on my interest payments. Told them that I would be starting a new job soon but would like to alert them and delay payment for the next month or two. Was told that there was no way to delay interest payments and was actually made to pay " good faith '' money in order to stop making payments for one month. Have still been charged interest payments and getting calls that I need to make interest payment despite having told them that I would not be able to make an interest payment for a month or two.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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   XXXX , I submitted a dispute with Experian regarding information reported by  XXXX   XXXX   XXXX  for {$420.00}. I electronically challenged the accuracy, compliance, and reportability of this information and stated : " Please validate this information with  XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 ) ( A ) , and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification. '' Experian replied with " verified '' but did not provide me any documentation nor show anything bearing my signature.     On  XXXX   XXXX ,  XXXX , I sent a certified letter to Experian, Tracking # :  XXXX   XXXX  attached ) requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifte en ( 15 ) da ys of the completion of your reinvestigation. I asked the to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.     This letter was signed for on  XXXX   XXXX ,  XXXX  by Experia n ( attached ).      On  XXXX   XXXX ,  XXXX , I received a response from Experian which was dated  XXXX   XXXX ,  XXXX , 2 days past the deadline. Their response was exactly the same as the first request for validation. They merely stated " verified ''. Again there is no signature from me showing a legal binding obligation to  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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There are wrong items in my report Co urt US BKPT CT  NJ  XXXX  - #  XXXX    XXXX     XXXX  - Account #  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 07-07-2015 about Mortgage (Conventional fixed mortgage) with Urban Settlement Services, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX failed to post my mortgage payment. I was notified via telephone by an agent of Walled Lake Credit Bureau , LLC, that I was delinquent on my mortgage payment and they demanded payment. I contacted XXXX and found out that they had made an error on posting my payment. The matter was cleared up. I again received phone calls by agents of Walled Lake Credit Bureau demanding payment. I explained to them it was a banking error on the part of XXXX. They refused to accept this explanation and demanded payment. On the next phone call and every phone call afterwards, I disputed the debt and requested copies of their records substantiating this alleged debt. They refused to provide anything. I received correspondence via US Postal Service from Walled Lake Credit Bureau ( WLCB ) LLC, XXXX XXXX XXXX XXXX, Collection Manager, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX stating that I was delinquent on my mortgage payment and they were demanding payment and penalty fees. I again contacted XXXX and again they told me that I was current and had no idea why these people were continuing to harass me. On every notification I received from WLCB, I immediately responded in writing that this Debt was " in dispute '' and requested copies of their documentation substantiating their clients claim. Each and every time, they refused to co-operate and send me my requested copies of their records. They kept telling me to take it up with the client ( XXXX ). Each time I contacted XXXX, they stated that I was current and had no idea who or why these people were harassing me. This practice continued for several months. On XXXX XXXX, 2015, I sent WLCB, LLC a letter notifying them that I believed they were violating my rights and that they are dealing in bad faith. My letter clearly stated : " I need to hear from you regarding this matter so I can bring closure to this matter. If I do not hear from you, I will be forced to exercise my lawful rights. '' To date, they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (TX).
Issue: Taking out the loan or lease

Complaint: I have applied for a Paypal account many times over the last year. According to paypal Credit my information is confused with another individuals credit and thus they think I have an account. Their security department has not been able to resolve. I sent a letter to XXXX XXXX SVP, XXXX asking his office to escalate and they replied they could n't extend credit at this time. I have received this response probably 10 times in the last year but no one ever tells me why. 
According to the security department its because the credit application never flows through the system. 
I have two concerns : 1. I am very concerned that some one elses credit is confused with mine in their system. 
2. Their lack of urgency to resolve this issue is very concerning as an individual. The fact that they seem to not care that their system could be providing another individual my credit information is not responsible for a credit issuer. 

PLease help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Applied for a Home Affordable Modification with Ocwen Loan Servicing , LLC and was approved for a three month trial of {$380.00} a month. I made all payments on time and was sent the documents to sign for approval but upon reading the documents this look like extortion. If I could not make my monthly payments due to a injury at work which caused me to be XXXX and a very significant decrease in my income what would make them give me a modification where I make monthly payments in the amount of {$380.00} for 23 months and have a balloon payment of XXXX which is the beginning principle balance. So, what happened to making the loan affordable for the homeowner to keep their home this is more like pay me some money dummy and I still keep your home. The home was going to auctioned off anywhere between $ XXXX in the year XXXX. I guess it is a good thing I can read. I filed bankruptcy due to this injury and was trying to do the right thing and pay for the property because it belongs to my mother who has been helping me through this process. I would love to keep the home so my mom can return when the time is right but I will not be a fool. I know this company has many complaints and bad reviews at the XXXX and I can see exactly why. I thought they were wrong for telling me not to send in my payments to catch it up when I got out of the hospital but this right here takes the cake. This is not an Affordable Home Modification at all. I also told my agent that I had not received my documents and they still sent documents with the XXXX deadline and it was clearly delivered in XXXX just another dishonest tactic. If payments are being made please tell me what is it being applied to : Somebody Pockets because it is definitely not the loan and at what point did Ocwen try to work with me by only dropping the interest rate and not applying the funds to the loan but applying fees. I see that number 2. was just ignored completely : If my representation in section 1 continue to be true in all material respects and all preconditions to the modification set forth in Section 2 have been met, the Loan Documents will automatically become modified on XXXX/XXXX/XXXX ( the " Modification Effective Date '' ) and al unpaid late charges that remain unpaid will be waived. Because I do n't agree to add all amounts including arrearages, unpaid and deferred interest, fees, escrow advances and other costs. If I could have made payments we would not be at this point. It is called a Home Affordable Modification not Unaffordable Home Modification. Please tell me what average person has XXXX to just give at one time. ( Not many if any ) At, this point I 'm not average because I 'm XXXX and just starting working last year in a position that paid XXXX an hour. So, please tell me how and the world can I pay XXXX in 23 months. I have made three payments in the amount of {$380.00} a month on time and no credit has been applied to my account according to these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 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: I submitted my deferral paperwork in a timely manner ( prior to deadline ) and I followed up with them several times via telephone. I was told they had the paperwork and that it was in process. I was shocked to find out that it was on my credit report. I was reassured many times that it would be processed timely and not be reported on my credit.

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 04/27/2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Ability Recovery Services put a collection note on my credit report. I never received any notification from the original creditor or ARS about an y debt being owed. My address and phone number are public and listed on all three of my credit reports. The address and phone numbers listed on the credit report for this debt collection agency are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: A student loan was obtained through XXXX. Mine. This company Amercian Education Services / Naitonal Collegiate Trust was informed that this account has been a result of XXXX but they are still sending this account to a collection agency for collection. The collections agencies after been advised that the account is a result of XXXX they continue to forward it to other debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: failure to provide proof of late payments, was already removed from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On  XX/XX/XXXX    XXXX   XXXX   XXXX   gave   XXXX   XXXX   XXXX   XXXX   the responsibility of servicing my loan. The   XXXX   XXXX   courts was n't notified. My rights under the wage earner law has been violated. I had   XXXX   XXXX   XXXX   under wage earner from  XXXX - XXXX . I was discharged in  XXXX . I paid   XXXX   XXXX   XXXX   outside Of The courts. My case number is  XXXX . I paid   XXXX   XXXX   XXXX    through their bankruptcy department. I was current with   XXXX   XXXX   XXXX   in  XXXX  when my loan was transferred to   XXXX   XXXX   XXXX  . I do n't know why   XXXX   XXXX   XXXX   did not report to   XXXX   XXXX   court they were transferring my loan. All of my other creditors was paid by my former employer   XXXX   XXXX   & my payments were payroll deducted. My employer ein # is   XXXX  . {$140.00} was being deducted every week from my payroll check every week. In   XXXX   when I received the settlement from the medical malpractice law sue I filed in  XXXX . I paid the courts {$18000.00} on  XX/XX/XXXX  to pay all of my creditors off. The loan I had with the   XXXX   XXXX   was refinanced on  XX/XX/XXXX  while I was in  XXXX  and under   XXXX   XXXX  . I paid off the money store and   XXXX   XXXX   was paid off. The new loan refinanced was with   XXXX   XXXX  . Their loan number is  XXXX . Payments was being made to   XXXX   XXXX   XXXX  . 1098-mortgage interest statements was reported to IRS using my social security number. These fraudulent acts was being done while I was suppose to be protected.

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 12/30/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Credit card protection / Debt protection

Complaint: Bank of America is declining legitimate charges because of fraud. I have tried to get them to stop claiming everything is fraud when it is not, but they refuse to assist me. I called it today and they wo n't help me ( after getting routed around repeatedly ). I have no problem with being protected against fraud, but this is not protection. Legitimate charges are being declined and it creates a significant headache and a lot of effort for me to fix, not to mention a lot of wasted time.

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 12/24/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We refinanced our condo in XX/XX/XXXX for {$50000.00} using ocwen loan servicing. In XX/XX/XXXX due to an income reduction we fell behind approxiamately XXXX or XXXX months. Using the HAMP program we were given a proposal for a loan modification. When I inquired from an abroad ( not in usa ) phone agent about principal reduction or fees waiver I was told that if we wanted either we would have to start the process over again. Feeling pressured that if we did n't accept we would be viewed negatively as not accepting the HAMP program. So we accepted the modification & the interest rate went from XXXX % to XXXX % & the monthly payment went down at most XXXX XXXX As a result after XXXX years of payments the principal is approximately XXXX $ with a ballon due in XXXX of approximately XXXX XXXX So after XXXX years of payments we have reduced the XXXX $ refinance by less than XXXX $ and still owe over XXXX XXXX This may be legal but it does n't seem moral or ethical for a XXXX dollar organization to take advantage of a seniors couple in financial straits.

Company response to consumer: Closed with explanation