milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2018 about Mortgage (VA mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX. 

LoanCare I was approved, as a XXXX veteran, for homestead exemption. in XX/XX/2018. I was told by the XXXX County Property Appraiser office, that they do not notify the mortgage companies, since, everything is done on line, the mortgage companies, can get the information on line, or call the XXXX County office. 

Since the date I was approved, I have called, and notified the mortgage company, on numerous occasions, that I was approved for this deduction. Everytime I called, I was told that it needed, to go to the tax department. I talked to the tax department on four ( 4 ) different occasions, and was told, that it would be escalated, to be taken care of. 

On XX/XX/XXXX, I was told that, I needed to provide proof of the homestead exemption. I sent a copy of the exemption letter to them, and it has still not been resolved. 

Another matter is that on XX/XX/XXXX, I submitted a house payment, when two ( 2 ) days later it did not show up in pending payments, I assumed, I had not correctly submitted the payment, so I submitted a payment again. On the XX/XX/XXXX, it showed as a payment pending, I spoke to a representative who assured me that the payment submitted for XX/XX/XXXX would not go through. On XX/XX/XXXX a payment was submitted to my checking account which charged me XXXX, I called the customer service department again, and was told that they could not stop payment. 

I was told that, even though, I called on XX/XX/XXXX, they would not stop payment. So I was charged twice ( 2 ) by XXXX {$29.00} for non sufficient funds, and I received a notice on, XX/XX/XXXX, from  the mortgage company, for {$49.00} return check fee.

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 05/29/2015 about Mortgage (Home equity loan or line of credit) with CIT BANK, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: For XXXX months I have been trying to access my OneWest on-line account to make a payment. I was locked out of the account and OneWest will not assist with helping to re-set the passwords! I 've called, and made requests in writing, to no avail. I 'm now sending payments based on my recollection of what past payments have been, and am unable to view the account to see if those payments are over or under the amount due. My last payment of {$800.00} was sent on XXXX XXXX, which should have been more than enough to cover what was due. On XXXX XXXX I see a XXXX days past due ' come up on my credit report!! Unacceptable and to my detriment because of their poor customer service. What is my recourse and how do I get this OFF my credit report??

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (PA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have sent three certified mail in regards to two accounts that they are reporting on my file XXXX XXXX as well as XXXX Bank that are not mine and were more than likely opened fraudulently. I asked that they provide me with proof of me opening these accounts IE a copy of my ID and SSN card that is required when opening an account and they have yet to proved me with this information only sending copies of the account that was opened.

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 Money transfers (Domestic (US) money transfer) with E*TRADE BANK (WA).
Issue: Other transaction issues

Complaint: On XXXX XXXX, 2016 I issued an electronic payment from my E*Trade checking account in the amount of {$2700.00} to XXXX XXXX by mistake. This payment was delivered to XXXX on XXXX XXXX, 2016. E*Trade confirmed this was delivered to XXXX. I am attempting to have it refunded. 

I have spent hours on the phone talking with XXXX service agents and the results have been a complete dead end. My account with XXXX is no longer active. It was discontinued at least 8 years ago but I failed to remove XXXX from my payee list. They could find no record of my old account no. XXXX. They could find no record of my name. They could find no record of my old phone no. ( XXXX ) under XXXX. They apparently have no idea of where to look for this payment or who to refer me to for help. The various departments I talked to did consult their supervisors and they were no help either. 

This payment was labeled with my old account no. and my name. 

I also contacted customer support by e-mail. This is their reply ; " Thank you for contacting Internet Technical Support. 

Unfortunately we can not assist with this problem further via email correspondence. Please call Customer Service at : XXXX, so we can take the appropriate corrective action to address the issue. 

I recommend getting supervisor to assist you, as maybe able to dig into this on your behalf. '' Sincerely, XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 08/22/2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/XXXX I was given 30 days start paying back a debt I owe XXXX for a student loan. I was given 30 days from Transworld Systems Inc. to start paying before they began garnishing my wages. I contacted them late XX/XX/XXXX or early XX/XX/XXXX, letting them know that I had started a new job and should be able to afford {$50.00} a month to start paying them back. I had been working a commission based job for the last 6 months and it completely destroyed my savings and credit. all my cards are maxed out and my credit dropped 100+ points because of my lack of income. I finally started making consistent money and contacted XXXX XXXX from Transworld Systems Inc. and informed him i was ready to make a payment today, XX/XX/XXXX, and every month following. He was extremely rude and told me it was too late. He said they had started the wage garnishment process. I am still within my 30 day time frame to pay back. He told me that now I have to pay {$700.00} now and {$75.00} a month. I told him I do n't have the money and to please help me. I can afford the {$50.00} a month and will gladly start paying that back. He said no, you have to go to a hearing. I explained I do n't have time I work too much. He said too bad its too late. Please help me with this situation. I feel helpless, I 'm willing to pay them back I just cant afford the huge payment they are requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have had multiple issues with Navient. I originally had issues attempting to pick a payment plan, and was given different information from each person that I spoke with. I do not believe they helped me make the best decisions based on my situation.     My biggest problem, was in the the fall of   XXXX   my plan was switched. At the time, I was enrolled in the autopay. When the plan was switched I was still enrolled. I had believed the monthly payments were being made. I received a phone call stating that my payment was not made for 3 months and that a report was filed against my credit. I spoke with NAVIENT and they stated I was enrolled in autopay, however, it was not deducting the money from my account. They had to reset the autopay, and it began to take money from my account, however, I still took a huge hit to my credit. They said this could not be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have previously sent in a complaint on this matter and it was never resolved. NCB Management failed to notify me of their intentions to collect on a debt on behalf of   XXXX   XXXX   for an auto loan on a car I voluntarily surrendered in 2012 I believe. NCB Management said in the complaint response that notification was sent to an address listed on my credit report which never belonged to me and I made them aware of this in my complaint. I have searched the Florida Office of Financial Regulation and NCB Management is not licensed to collect on a debt in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: FDCPA violations Portfolio Recovery was sent a request for validation of debt in accordance with MA General laws via certified mailXX/XX/XXXX with a cease and desist order. They refused to reply and continued to place phone calls to my residence 2x per week. They received a 93A Demand notice for FDCPA violations and state violationsXX/XX/XXXX. They refused to reply and continued placing phone calls to my residence. XX/XX/XXXXthey received a second 93A Demand and cease and desist notice. They refuse to comply. Portfolio has provided no validation of their claim, violated numerous state and federal collection regulations and continued to contact me via phone and inw riting at a minimum two times per week. 


I demand the phone calls stop, the harassment notices stop and the fabricated debt be removed from my reports in accordance with both state and federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 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: Investigation took more than 30 days

Complaint: XX/XX/XXXX I submitted a dispute to equifax for fraudulent {$95.00} derogatory mark from XXXX XXXX XXXX XX/XX/XXXX Spoke with XXXX via live chat to the status of that dispute. Was told to contact Customer Services Team XXXX XXXX to XXXX in my time zone. 
XX/XX/XXXX Sent another Inquiry to XXXXXXXXXXXX as to the status of my dispute XX/XX/XXXX received email from Customer Care telling me to contact Consumer Services team XXXX I then called that number and spoke with XXXX. A horrible XXXX on wheels ( sorry, but she is ). Told me it had been verified and belonged to me. I told her that was impossible. As I had called the " original creditor XXXX '' and they could find no record of this debt. 
XX/XX/XXXX Equifax sent me a letter stating the requested the reporting company verify the accuracy of the information that I disputed. 
XX/XX/XXXX Called Equifax, waited on hold for nearly an hour. When a horrible XXXX ( sorry seems to be typical employee ) said " WHAT DO YOU WANT? '' And when I did n't answer her immediately she hung up on me. 
XX/XX/XXXX I then called XXXX XXXX XXXX and spoke with XXXX. I told him I have no {$95.00} debt with XXXX and filed a dispute. XXXX said they would contact XXXX and I would have results in 2 weeks.

This derogatory mark is still on my EQUIFAX report. It says it is disputed by consumer, pending and I should have the results soon.

Honestly. 7 months is ridiculous. WAY past the 30 day mark. 

Is EQUIFAX receiving " kickbacks '' for " questionable '' ethics? PLEASE demand they conduct themselves in the same standard as XXXX XXXX or excuse themselves from credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (I do not know) with Eagle Accounts Group, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or about XX/XX/XXXX, and then again on or about XX/XX/XXXX, the child support enforcement agency contacted me about an alleged debt. These debts are in excess of {$30000.00} to date and counting. I have contacted them on numerous occasions in reference to this issue with no resolution as of yet. Attached you can see the efforts I made in good faith to relieve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Federal student loan) with Immediate Credit Recovery (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notice on XXXX/XXXX/2016 from U.S Government proposed wage garnishment - I called the # XXXX on the letter and spoke with a XXXX XXXX on XXXX she advised me I owe XXXX and they are garnishing my pay if I do n't respond by XXXX/XXXX/2016 - I sent a letter for a hearing certified mail as to which I have the receipt proof of this date, 7 days later they sent a garmnishment letter to my employer XXXX XXXX I received no chance for a hearing nor did they provide me with proof this loan and amounts are valid, today is XXXX XXXX, 2016 and still no hearing, I am writing to you because I believe this " collection agaency " is committing fraudulent acts and has garnished my pay which is causing a severe hardship on my family since I am the sole income earner. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have 2 inquiries dated XX/XX/XXXX, 2017 from XXXX XXXX XXXX. I did not authorize this or sign anything to have my credit pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My social security number is totally different from my dads but half of his information pops up on my credit report when my credit is ran. I 've never worked at XXXX XXXX. I 've never Rented a Place Ever, also I 've never owned a XXXX account and several other things on my credit I was underage for most of these things I think they should be removed from my credit because now as an adult I ca n't get a place

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 06-08-2015 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (OK).
Issue: Deposits and withdrawals

Complaint: PayPal/eBay are holding my funds. Neither company follow Reg CC hold procedures nor do they seem to care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was recently purchased by PHH. I was on a bi-weekly payment plan with my previous mortgage provider and was told in no uncertain terms by my broker that the terms of my mortgage can not change with its sale. PHH does not support a bi-weekly amortization schedule, and I 'm furious. In order to purchase my mortgage, they have to support this do they not?

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with AFNI INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent Afni Inc 2 letters and tracked both. They both were received by Afni, however they have never responded. 

First letter was sent in XXXX XXXX and the 2nd was sent in XXXX XXXX. I have the tracking information and copies of both letters. 


Afni Inc XXXX XXXX XXXX XXXX, IL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: I opened an Exxon Mobil credit card in XXXX 2014 account number XXXX. The account is in good standing and is correctly being reported to XXXX and XXXX. However, it is not reporting to XXXX. I contacted XXXX and they said the account is not being reported to them and I would need to contact the creditor. I contacted Citibank ( issuer of the ExxonMobil card and they confirmed they are reporting my account to all XXXX credit bureaus. I keep getting the runaround.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 'M BEING GARNISHED BY A DEBT THAT IS NOT MINE-THEY REFUSE TO GIVE ME ANY INFORMATION ON THIS DEBIT. NOW I 'M RECEIVING AGAIN THE SAME COLLECTION NOTICE ; DIFFERENT COLLECTOR NAMES WITH DIFFERENT DOLLAR AMOUNTS FROM THE SAME SO CALLED ORIGINAL CREDITOR : FROM : XXXX XXXX COLLECTION BUREAU, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND CACH , LLC. YES ALL XXXX FOR THE SAME DEBT.THIS MEANS THEY WANT TO CONTINUE TO SUE ME XXXX TO XXXX TIMES FOR SOMETHING THAT IS NOT MINE. HOW DOES XXXX AFFORD A LAWYER WITH THIS?? THIS DEBT IS NOT MINE AND I NEED THIS STOP AND IF I COULD I WANT TO SUE ALL OF THEM THIS HAS DAMAGE MY CREDIT. THANK YOU.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a credit inquiry on my credit report ( unauthorized credit inquiry ). 
Equifax did not remove the credit inquiry from my credit report asking to resolve with XXXX ( requestor ) directly. 
XXXX refuses to proceed and refer back to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (IA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX XXXX we established a repayment plan with Ocwen, which included adding an additional $ XXXX/mo to our regular monthly mortgage. We paid the repayment plan ON TIMXXXX each month and they are still showing us as being delinquent since XXXX XXXX. We paid the past due amount and our regular monthly pay of {$3100.00} on XXXX XXXX, XXXX to end the repayment plan and we were told that they would report to the credit bureau on XXXX XXXX, XXXX and still as of XXXX/XXXX/XXXX there has not been any credit reporting. We have called in twice and filed a complaint on their website and they keep telling us it will be the first week of XXXX and then the 2nd week of XXXX We just got another notice saying it will be an additional 7-10 business days again before they will report our mortgage in good standing. Since we paid on time since XXXX it should reflect on our credit report. The very least they need to report our most recent payment correctly as it is really hurting our credit score.

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 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account belong to a third party. I DIRECTLY CONTACTED XXXX Hospital in 2014. IT WAS AGREED THAT THE INFORMATION WOULD BE REMOVED AND NO OTHER FOLLOW UP WOULD BE NEEDED. Trans union continuous to retain the negative information. This has caused me to be rejected for Loan Opportunities. This has to be permanently removed from my credit history.

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 10/27/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX calls my spouse 's phone repeatedly and continuously using various different phone numbers. In fact, my spouse has 20 different phone numbers now in her phone as a " contact '' for XXXX XXXX. Just today, they have called 3 times in 3 hours between 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 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX I attended an online College by the name of XXXX College based in Colorodo ( I live in California ). I was granted student loans through Navient to attended a XXXX course which was solicited to me through a phone call. After hearing what was proposed it all sounded very promising. After receiving confirmation for the student load I signed up for my XXXX semester. I only attended XXXX term of the fist semester and completed XXXX classes, XXXX and a class that helped me understand XXXX. The only materials that I received from the school was a book and XXXX XXXX. Due to hardships I successfully withdrew from the XXXX semester. After leaving XXXX college online, they continued to pull money from my student loan service that was credited to me when I began attending, resulting in even greater debt. 
I felt that I have been wrongly charged with this loan that has not only hurt my credit score but had created a great deal of stress because I am unable to repair my score due to a default. 
Navient is now the student loan provider in which did NOT offer any solutions of lower repayment plans, but rather offered only forbearance to further delay a repayment option. After many forbearance, Navient would not grant any more and because I was unable to make the minimum payment my loan defaulted resulting in a crushing blow to my credit score. After years of trying to resolve this situation the only thing I was able to do was make a 9 month payment plan of {$8.00} to get my loan out of default. Since then, Navient has still offered no solutions of a lower repayment plan but only more forbearance. I have also learned that since my attendance at XXXX XXXX they have been in a lawsuit and has forgiving {$15.00} XXXX in student loans all the way back to XXXX. I have attempted to contact XXXX College about this but they have gone out of business so I am once again left to a dead end.

Company response to consumer: Closed with explanation