milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX I qualified for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ - Program, and was supposed to be in this program for the following 3 years, with the option of getting a modification on my mortgage as soon as my financial situation change for the better. The program assigned an amount of {$38000.00} for my mortgage payments which was managed and disbursed by XXXX XXXX XXXX XXXX. XXXX made the payments directly to my mortgage bank XXXX, in the amount of {$1600.00} and I was advised to send a monthly payment in the amount of {$180.00} to XXXX XXXX. In or around XXXX XXXX XXXX sold my mortgage to Nationstar Mortgage Acct. By around XXXX XXXX I contacted Nationstar and communicate my desire to restructure my loan and to keep my property, in return Nationstar sent and individual to evicted me from my home, furthermore nationstar sent me documents offering cash for keys in the amount of {$3500.00} so I could re-locate, but this offer was never honored. I tried multiple vias to solve my situation and keep my property to no avail. By XXXX XXXX, XXXX I was out of my property afraid that I was going to be destitute, but no representing Nationstar ever showed up to get the house keys and full fill their cash for keys promise. My calls were never answer or return and my belongings were on its way to the other side of the country. By XXXX XXXX I started receiving calls from nationstar saying that the property was still mine. Short story, Nationstar Auction my home in XXXX and in XXXX XXXX I received a letter from nationstar stating that they were sorry for their mistake with no explanation of what happened or offer to compensate for their ineptitude and lack of professionalism

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX we rented an apartment with the XXXX XXXX, we stayed there from XX/XX/XXXX to the first second week of XX/XX/XXXX. When we left we moved to XXXX and rented for 16 months with no issues. I found out that the XXXX XXXX lost the property due to fraudulent activity like like making bad leases and using peoples info to rent apartments to people. Also to roach infestations. This info was given to me by the new owners of the XXXX XXXX XXXXThe old owners, which we rented from, gave my info to someone who rented there from XX/XX/XXXX to XX/XX/XXXX. And then that person skipped out on the rest of the months rent and so they tried to put the XXXX XXXX collection agency on me to get the rent that the people using my Social Security number left behind. There address in XXXX Tx is still on my XXXX report also and I never lived there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Student Aid (USA) Funds (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX requested balance was $ XXXX settlement amount with XXXX balance of {$0.00} documentation to support both. 3 months later XXXX request balance of $ XXXX will not accept XXXX {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was part of the recent Equifax security breach, and believe my personal information may have been put at risk due to Equifax 's negligent security practices. I have put a fraud alert on my credit reports, but have neglected to use Equifax 's one year of credit monitoring, as I do not want to waive my right to take the issue to court if I am further damaged by this issue in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Billing disputes

Complaint: XXXX Upromise Mastercard recharged my credit card for a transaction that I did not authorize. I disputed the initial charge and never received a response from XXXX, just the recharge. After speaking to a representative, I was informed that the initial dispute was rejected without my knowledge. I have clear e-mail evidence from the merchant that the transaction should never have been charged, however, XXXX still re-charged the fee from the merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: JH Portfolio Debt Equities , LLC mailed a justice court citation for debt collection for XXXX XXXX account ending in XXXX. my wife does not have this account. they have been calling my wife and harassing.

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 06/23/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: case : XXXX I have contacted the legal resources listed under your legal assistance program. However I have not heard back. As I recall I did not select a law representative at that time, which may explain no response. I have the documentation sent from J.P. Morgan Chase, who did the consolidation of the loan. I am still seeking direction/assistance to resolve or reconsolidate these loans if necessary. I am taking over the full monthly payments from my son XXXX. However, it does seem truly unfair and unwise to do so. 
I will be making a payment of XXXX dollars combined for XXXX separate student loan servers, XXXX and XXXX. I do not dispute the paperwork from CHASE, But the consolidation went crazy and {$30000.00} dollars went into the wrong account. All assistance given at this time will be appreciated and is sorely needed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have become XXXX XXXX. I no longer can pay my mortgage XXXX Penny Mac. 
I have tried two ( 2 ) times to modify and did n't qualify. Penny Mac sent me a letter with foreclosure alternatives on XXXX XXXX. I have tried to call the person in contact to because the letter says to get back with Penny Mac so we can start the process.information of short sale & deed in lieu. I have had so many different names in all the letters. I received 3 wks ago about me wanting to start the process and hopefully it 's not in foreclosure. Received another letter 2 days ago that says the same thing. That it 's in review. I called last week & the lady said it 's in the courts on foreclosure. That is almost 60 days since I have wanted to short sale. My only income is my XXXX check. ( early retirement because I do n't receive any XXXX benefits ). They had me calling a Texas office and the other person would transfer me to voice mails to leave msgs and no one would call me back. XXXX XXXX different names. Now it is XXXX XXXX. I had to call the supervisor to get her to call me. The XXXX & only time was 3 wks ago. She said someone would call to appraise my home & look inside. I received the same letter this past Friday saying the same. I had asked her before if I should get my documents in orders to mail and she said no. To wait for the appraiser. I was told by several people this weekend that said they were told the same from Penny Mac that the home was in review for Short Sale when it actually was in the courts for foreclosure. I have tried everything to keep my home. Single mom with XXXX daughters that I put through college. My life has dramatically changed. I pray that it is not in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: there is a collection on my equifax credit report, # XXXX it was only a checking account and equifax has it listed as a credit card or loan??? how can that be on a checking act only??? Secondly I have paid the XXXX $ and was told to file a dispute. I just got the paper work from the bank. How do I get a hold of equifax?? I would prefer to do by phone??

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (I do not know) with Platinum Holdings Group, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My daughter was contacted by XXXX XXXX of Worldwide Recoveries , LLC claiming that she had a uncollected debt in the amount of {$1900.00}. She asked XXXX XXXX to contact me and I had a telephone conversation with him in which I asked him to email me the supporting documentation verifying the information. He emailed me a file which I can summit. The file gave no details as to the origin of the supposed debt nor any support to prove the validity of his complaint. I attempted to respond to this email but the email address is evidently invalid - [ mailto : XXXXXXXXXXXX ]. XXXX XXXX continues to phone my daughter with threats of legal action although my daughter has asked that he deal through me. 
Worldwide Recoveries , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Closing/Cancelling account

Complaint: When I bought a mattress at Sleepy 's XX/XX/XXXX they suggested I pay for it with a Sleepy 's credit card that was free APR for 18months - the purchase was roughly {$2200.00}. I agreed, though I 'd been planning to pay for it outright - I got the card and had roughly XXXX $ a month automatically debited from linked account. When I saw my balance jump from {$1100.00} to {$2000.00} XX/XX/XXXX, I called immediately ( XX/XX/XXXX ) and the man said I could pay the true {$1100.00} balance as a lump sum and close out the account - which I opted to do. I gave him the number for my XXXX checking account and he said it would n't go through - I had him try several times and it did n't work -which did n't make sense. He said to call my bank and see if there was some block on a certain amount and to call back to finish the transaction. I checked with my bank - there should n't have been an issue, they did n't even see that Synchrony had tried to debit my account. When I called back over the next week, I got hung up on twice. When I got through today XX/XX/XXXX, they said the option to pay the lump sum expired on XX/XX/XXXX - so now I 'm stuck with the {$2100.00} balance. This seems corrupt, unfair, and predatory - furthermore-I believe they actively did not accept my payment on XX/XX/XXXX to prevent me from being able to pay off the lump sum. Please help! I only want to be held responsible for the balance of the original sum.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   2016, an hard inquiry pull was made on my credit report. To my knowledge of this unknown agency who I DID NOT give con sent to, I will like see valid validation of my consent and signature to have my credit pull from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a credit card with the worst company, XXXX XXXX. I had trouble making the payments but ended up paying this credit card off. Well this company continues to state on my credit report - charged off as bad debt. Not even stating that it was paid off. I have tried to go through the credit bureaus to no avail. I know I paid this off around XX/XX/2015.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Our tax return for the tax year of 2015 was taken by the IRS and given to Navient because we were deliquent on our student loan. The total amount taken was about XXXX. But no where in our records with our student loan does it show that the money was actually applied to our loan. In fact, after they took the XXXX, our loan was XXXX bigger then before. We can not find out where this money went. It appears that it was stolen by someone at Navient because there is no record of it being applied towards the student loan. The IRS states that that is where it was sent. In light of what is now going on with the investigation into Navient, we really could use some help to find out what happened to that money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Payday loan) with Integrated Recovery Services (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: A company called integrated services calls my cell and work place about a loan that I believe that I have paid in full from over a year ago. They have made claims that I committed fraud and other outlandish accusations. I asked them to send me proof of what they say that I owe to them and they have never done so. I asked that they stop calling my job and if they intend to file the lawsuit, to do so but stop harassing me about a debt that I do n't even think that I owe. I have had individuals call using profanity and making threats that are going to cause me to lose my job, file court proceedings, garnish my wages and so on ... I 've tried to explain to then that I do not think I owe them anymore money but I 'm willing to look at the documentation and if I 'm wrong I 'll pay you your money. They refuse to honor any of my request and continue to contact my employer and have left messages on my boss 's phone with details about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Medical debt) with PARAGON REVENUE GROUP (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was forced to ride in an ambulance when I was in a stable condition to drive to the hospital I was forced to go to, they made me have tests run after I asked for a form to leave and that if they kept me I would lose my job, which along with made me lose my insurance coverage to cover the overpriced medical attention I did not require. I was forced into summit ridge for 6 days and was terminated from my job for absence even with proof of medical reasons and they did n't try to ever collect their money until AFTER I had lost my job and insurance.

Company response to consumer: Untimely response
Consumer complaint received 05/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On XXXX/XXXX/XXXX at approximately XXXX hours, I checked my credit report through my credit card XXXX XXXX. I noticed my credit score dropped from XXXX points to XXXX points. I obtained a credit report check through Experian and noticed a false address on my credit report such as XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have filed numerous complaints against Experian for the past several months ago and advised Experian that I do NOT lived in XXXX California. I have been a victim of Identity Theft since XXXX XXXX, XXXX. Experian was to put my credit report on " Security Freeze '' and place a " Fraud Alert '' in order to prevent criminals from opening any more credit cards using my name without my authorization. Experian continued to ruin my life again by dropping my credit score from XXXX points down to XXXX points ( XXXX ). I would like to know why Experian continued to ruin my life by allowing criminals to open more credit cards and refused to bring my score up to XXXX points? I thought everything was going well for my life since XXXX XXXX until Experian starting to ruin my life again. Why?

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 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Vengroff Williams, Inc (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company threatened to suspend my drivers license on an account that I have been paying monthly on for the last 2 years. I made XXXX payments via check in XX/XX/XXXX and XX/XX/XXXX. Unfortunately the company did n't receive the payments. I told them I would go online and pay the first payment, but my bank told me the other check had been cashed. I was waiting for the copy of the check and I was in constant communication with the company. I left several messages and told them that I would go online and make they payment. Every time I talked to them they threatened they were going to petition the court to suspend my license. I am a law abiding citizen and understand that this debt was my fault and I have been making restitution. To decided to take someone 's license away because they did n't receive a payment or XXXX is ridiculous. I have been doing the right thing and should n't be threatened when I was making payments. The debt was {$2400.00} when we started and it 's now under {$1000.00}. I have certainly been doing my part. This is n't the first time I have had issues with the collection tactics of XXXX. Furthermore this company never notified me in writing that they would have the power to suspend my license if I was behind in anyway in my payments and when I told them they could n't take my license away because they were a debt collection company, XXXX said they were a subrogation company and that was different. On all forms/statements it says they are a collection company trying to collect a debt. So what are they??? I have attached a copy of a statement showing how much I have left to pay on this account. Please help me!!!! This company should not be allowed to do business this way. Especially when someone is communicating with them in regards to the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Have written in to XXXX and XXXX concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , and 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Bottom line is congress needs to step up and make freeze and thaw free under federal law. Credit monitoring is not adequate for the massive breach that just occurred at 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 03/27/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associate has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount {$900.00} on or around XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.

Company response to consumer: Closed with explanation