milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2015 about Consumer Loan (Title loan) with Professional Bureau of Collections of Maryland, Inc. (WA).
Issue: Can't contact lender

Complaint: I financed a XXXX from a dealer in XXXX, XXXX in XXXX, I was making payments to them every XXXX weeks, in XXXX I went in to make a payment and they told me that they had given the loan to another company and that the company would be in touch with me. I received a call from a company called XXXX XXXX in XXXX XXXX, CA, they said they were the new finance company, and I should start making payments to them, which I did. After making payments, I asked about the title and they said they would send it to me, but, I never got it. I moved back to XXXX State in XXXX, I was still making payments, then one day I went to make my payment and I was locked out of my account, I contacted them and they said they had changed and to use XXXX at XXXX. I was making payments that way, but something did n't feel right, so I wrote the State of XXXX and the response from XXXX that they had bought my car at auction while I was driving it and would n't send the title until the car was paid off. After that I never heard from them, no statements or calls and I could n't make payments to the account. Last month I got a call from a collection agency in XXXX saying that they wanted payment for the car and to send it to them. I told they woman who called that I wanted something in writing from them and I was n't going to talk to them until I received something in writing. I never got a letter from XXXX that they were the new lienholder, my title has someoneels'e name on it. I also have never gotten a contract from they, they just sent statement whne it was time to make payments and since XXXX I have n't gotten a staement. So what do I do? 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a investigation request to XXXX and Trans Union on XX/XX/XXXX. Well over 30 days have passed, and I still do n't have a response back from either.

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 07/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My stepdaughter, XXXX XXXX XXXX, rented an apartment in XXXX, Oklahoma XX/XX/2010. She listed me as the co-signer but I never received the co-signer agreement, neither by USPS or fax. I repeatedly asked rent recovery solutions to contact the apartment representative regarding the lack of an agreement signed by me. They never came up with one and I said that I therefore should not be held responsible for this debt. They have never followed up with a correction, that is, my NOT being responsible for this debt since I never signed anything!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (VA mortgage) with UMPQUA HOLDINGS CORPORATION (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My Name is XXXX XXXX, I reside in XXXX, XXXX. XXXX ; ( XXXX ) XXXX. I have a Home Mortgage Loan with a XXXX Bank called Umpqua Bank. In the last year they bought out Sterling Bank, and had to go through a huge Conversion, during this time my Loan suddenly started having all kinds of Servicing problems. I started getting all kinds of fees, then This year due to me being a XXXX Veteran, I get a huge break on my County Taxes, then i that same time I switched from one Insurance Company to another one. They could n't figure out the Escrow, with the Taxes because of Being a Veteran, then suddenly I owed {$500.00} more in my Escrow Account, when my whole Taxes went down alot, then they still ca n't get the Account right and they keep charging me money, with no one to answer " why, How ' where, when '' Etc. I called my XXXX VA Loan Dept. they advised me to get all of last years profile of payments, I tried 3 times to obtain it,. Due to the Conversion they have split up all the Services and the Loan Department is now in XXXX, XXXX. No Umpqua Bank In XXXX has any acess to Loan or Escrow files, I have to call up XXXX, then Loan Dept. ca n't see Escrow nor Vica Versa. I have been treated very poorly, and I truly believe there is something Illegal going on with my Loan. I desperately need help. I have paperwork, notes etc for you when you need them. 

thank you for Your time and Cooperation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DE).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Citibank advertises to provide customer service, yet their customer service is a dismal failure fraught with agents who either have no idea what they are doing or are simply lazy. I have been an excellent customer of Citbank for years -- always paying my credit card in full monthly. Last month, I misplaced the statement and found it five days after the payment date. I immediately made a payment in full and called Citibank to explain the oversight and request that they waive the fees. The agent agreed. I verified two days later that the payment from my bank to Citibank had posted. The interest was never credited back to the account. I am in the process of applying for a Mortgage. Citibank reported my account as past due, which resulted in my not qualifying for the rate I had been promised by the loan officer. The loan officer told me I could write a letter of explanation and attach a letter from Citi showing my account number and the current balance due. She explained that time was of the essence. I immediately called Citi and the agent agreed to fax the letter to the Loan Officer and upload a copy to my Citi portal. She said that was the quickest turn around she could offer. She never uploaded the letter to my portal and the letter she faxed to the Loan Officer, which arrived 24 hours later, was not correct as it did n't include my full account number. ( As an aside three days prior I inquired with Citi to find out what " flags '' they put on my account. The Customer Service Agent who I spoke with at length told me he would research and call me back the following Monday to explain. He never did. ) So, I called Citibank customer service again and requested to speak to a manager. I was routed to an agent named XXXX ( they do n't share their last names ) who claimed to be a Sr. Supervisor of the customer service team. XXXX told me that Citi can not provide a letter with the full account number because it 's against their policy. He said that they can only reveal a full account number in the case of an emergency and he did n't deem my situation an emergency -- even after I explained that not having the correct documentation timely would cost me several thousand dollars. My loan officer explained to XXXX that the request for a letter with full account number and balance due is a routine request from lenders. He would n't budge and refused to escalate my call to a more senior person at Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i have hard inquiries that appeared on my credit report across all three credit bureaus XXXX, XXXX, Experian on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( XXXX ) XXXX XXXX - inquiry from XX/XX/XXXXXXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( Experian ) XX/XX/XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry fromXX/XX/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 01/29/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My private student loan ( Sallie Mae ) is at 12.75 % yet on the web site they offer student loans from 2.5 % to 9.59 % i have called numerous times to try and get my student loan interest rate reduced so that i can afford making the payments each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit reporting agencies, have XXXX XXXX an XXXX listed on my credit reports. They are the same accounts, with same account numbers and amounts. I have tried on several occasions, I disputed the entries and have the items corrected with no success. 

On XXXX, my XXXX accounts are closed and wit no late payments. However, on Equifax, the accounts are showing the opposite, that payments are still due. 

Please assist an/or advise how to rectify this situation. It is really disabling me from securing a home or other needed items for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (I do not know) with Allied Interstate LLC (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Over the past week I have received multiple calls from what appears to be a debt collector named allied interstate. They do not leave a message, they do not identify themselves. I have received no written communication from them. I am not aware of any debt that could be owed to them. I have had no opportunity to dispute whatever they might be calling about. I don't even know if I am the person they are trying to reach.

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 07/31/2015 about Debt collection (Medical) with Experian Information Solutions Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Experian continues years after paying all my medical off to report false information. I have contacted them, XXXX XXXX has contacted them. They continue to ruin my ability to secure financing. All the loans I have are high interest. Please make them stop reporting all my paid accounts as " no status ''. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (IN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/2018, I deposited {$520.00} in an ATM in XXXX, IL. The machine took the money and displayed on the screen " I'm sorry. Because of technical problems, I can't accept or return cash right now. '' I called the number on the receipt the machine printed and was told I'd have to wait up to 10 business days while the incident was investigated, which is ridiculously longer than the immediate credit that is given on the past numerous occasions when the machines would malfunction.

I call on the 11th business day and am then told that i have to wait 45 days until they figure out what's happening. In the meantime, I suppose checks and automatic deductions to my business account have to bounce, as they refuse to credit the account while they get around to looking into the incident.

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 06-09-2017 about Debt collection (I do not know) with Aargon Agency, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX put a debt back on to my credit report because they said the " collector '' says that debt belongs to me with no proof. The original creditor sold my debt to AArgon Agency Inc for {$430.00} and now with interest the debt is {$470.00}. If I 'm not mistaken under the Fair Debt Collection Practices Act, if your debt has been sold that means the contract you had with the other company is voided. I already researched the original creditor writes off the debt on their taxes and then sell it to an Agency to make a profit even though the debt has been debted on that consumer.

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 11-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am not aware of this debt, I currently have XXXX, but its a prepaid phone. I have no knowledge when this account was opened. XXXX debt collectors tried to collect on this debt, then closed the account. I want proof or documentation with my signature that I opened an account with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2015 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Delinquent account

Complaint: Paypal has reported me late and I have made payments. They also call all the time. They bother me by calling over and over again. I have been a victim of ID theft and house fire and I need time to get back on my feet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2015 about Debt collection (I do not know) with Solidus Group LLC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call from XXXX and let it go to voicemail, as I did not recognize the number. The prerecorded message stated that I had an issue in their pre-legal department and that I could be taken to court if I did not place a statement on file. They did not state that they were a debt collector, not did they leave my name in the message so that I could verify that the message was for me. The message stated that I should have XXXX and reference a file number, which they did not include in the message.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Experian is reporting a charged off account whose first delinquency was XX/XX/XXXX. They have not indicated on my report when the account will be removed yet the two other credit bureaus are removing the account in XX/XX/XXXX. At the latest this account should be deleted by XX/XX/XXXX. Ive disputed multiple times and Experian continues to report inaccurately. The date of Status is from XX/XX/XXXX so I dont believe that they are contacting XXXX regarding my disputed. Usually when a dispute is submitted, the date of status is current. The date of status they are reporting is from 2 years ago.

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 01/27/2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I am temporarily experiencing financial difficulty. 

Due to my financial hardship and in order to meet necessary household expenses plus credit payments, I am asking that XXXX Capital One to accept a reduced payment for the next 6 months on my debt. By that time I hope to be financial able to pay the monthly amount asked. If my situation improves sooner I will notify you at that time. 

I would appreciate your consideration in this matter as I am not able to meet the regular payment of {$66.00}. I will pay you {$27.00} per month during this emergency. 

I request that my account not be placed with a collection agency as I wish to deal with you directly. Over the next 90 days, I ask that you also please consider withholding interest on my debt. 

You can be sure that I will resume regular payments on my debt as soon as I am able. I will notify you when my situation improves. Please only contact me in writing and I will respond to your letters in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have sent multi ple 609 letters to get these two collections removed. I have also called and disputed these accounts online and   XXXX   nor Equifax will remove the negative accounts. These two negative accounts have been off my  XXXX  credit report for over two months and I have told   XXXX   and Equifax that but they wo n't budge and remo ve them. Neither accounts have validated themselves which is why   XXXX    removed them. In my screenshots  XXXX   XXXX   XXXX  and my   XXXX    app both show no negative accounts open.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Trouble during payment process

Complaint: I complained about Ocwen Servicing harassing phone calls. Once I submitted a claim with the Attorney they began Foreclosure proceedings on my home. I believe I should be protected under the Whistleblowers Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with Collections Acquisition Company, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Today, XXXX/XXXX/2017, I noticed that my credit score had dropped from the mid XXXX to XXXX. I ordered a free credit report and found that I was in collections for {$290.00} for a check that bounced to XXXX XXXX XXXX  drawn on a bank that I have never had an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (AR).
Issue: Closing on a mortgage

Complaint: My mother opened a Reverse Mortgage with reverse mortgage Solutions before she died. We have tried since she passed away to get the pay off and settle the estate. This company WILL NOT give the CURRENT information regarding this property. We have asked for months. We are opening yet another case due to the fact that our other  2 c ases have been closed with no results. In  XXXX  they sent a packet with old pay off information from  XXXX  of last year. Again, we opened a case and received someone else 's case file. In this new packet, which was addressed to us there are lots of documents that could be used to steal someone 's identity. Upon further investigation, our file and proprietary information was mailed to someone else as well. This company not only is stealing interest off of our house, but they have major violations with the safe handling of our information. We have NEVER received in writing ANY CURRENT PAYOFF information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My name is  XXXX   XXXX  I have a mortgage with  XXXX   XXXX   Loan  #  XXXX .  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. However  XXXX  continues to report me as delinquent. They reported me as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.

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

Complaint: I am a single parent and have filed a request for modification of my mortgage with the mortgage company, OCWEN Loan Servicing. Their call centers and their staff seem to be in XXXX and for the past 4 months they have stalled the processing of my modification, and keep reporting my loan as delinquent. I have tried to work with them and have provided every bit of information they 've asked for and yet their paper-pushing games seem to have no end. On the other hand, they keep flooding me with notices of foreclosure and threats of taking my home which have caused me great XXXX and XXXX. I am a single parent and can not lose my home, but this mortgage company that has had countless complaints and lawsuits against it does not seem to be concerned. I have asked to speak to their representatives in the United States ( as I was told it is my right to do so ) but they refuse to accommodate.

Company response to consumer: Closed with explanation