milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Credit reporting () with Southwest Credit Systems, L.P. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an account with XXXX that was opened XXXX/XXXX/XXXX. The account was sold or transferred to SW Credit Systems L.P. and they are reporting the date placed for collection as XXXX/XXXX/XXXX which is making it appear as though I just recently opened this account. I have not lived in Pennsylvania where the account was opened since XXXX XXXX. I disputed the date with XXXX and SW Credit Systems L.P. did not correct the date. I need the date to be corrected to the original date the account was placed for collection which was in XXXX, as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (UT).
Issue: Application, originator, mortgage broker

Complaint: The reality is that the intent of the Federal Loan Modification Program is to provide an alternative to foreclosure for millions of struggling homeowners. Furthermore, these homeowners are supposed to be able to secure a loan modification without the assistance of a competent advisor. 
Unfortunately, the lenders and servicers do not play by the rules. Consequently, average homeowners are taken advantage of and face the prospect of losing their homes by falling short of bank 's loan modification hoops. This is why there is a massive amount of litigation in the state and federal courts seeking relief for victimized homeowners. You need to work with specialists who know the programs and can make the lenders adhere to the federal laws and guidelines. I did not have this specialist when I started this loan. In letters from the servicers they state that they are proud to service your loan. We are committed to protecting the rights of our customers who are service members. 
I did not know all of the hoops there would be to go thru to obtain this type of a loan. Every time I called in for help or to have my questions answered I would get a different answer to my question. I was assigned to have this one person his title was a Legation Specialty to help me with my questions. I had another person who whose title was Customer Advocate specialist. I was told that if I had questions I was to call them. Every time I would call I could never get a hold them. I was told to leave a message and they would return my call. I never did hear back from them many times. 
At the beginning of the loan modification they told me I would have a four month trail to prove that I could make the payments of {$720.00} for four months. Starting date would be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX would be the last payment of the trail period. It was not explained to me that I should have been making the full payment of {$840.00} for these four months. The difference between the payment {$720.00} and XXXX is {$110.00}. They claimed this as a missed payment and reported this to the credit bureau. This gives me a bad credit rating with XXXX, XXXX, XXXX. I would like to have my bad credit rating restored and disputed. They are telling me now that I have missed 3 months of payments and want late fees too. I have bank statements proving that the payments were made. This a debt collecting agency which may report about your Mortgage account to the Credit Bureau. 
So now that has happened and my credit is no good. I have never had this happen before. 
When I have tried to contact this company I have had to wait so long for them to get back to me and then I always get someone different that does n't know what is going on. This has been very frustrating. 
Now if I do n't make this payment by a certain date they will foreclose on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Medical) with Oliver Adjustment Co. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/XXXX of this year I received a call from XXXX XXXX angrily collecting a debt that I did not know of. I asked her to give us information on XX/XX/XXXX regarding the debt. On XX/XX/XXXX we receive a note that this is related to my hospitalization at XXXX XXXX XXXX XX/XX/XXXX 
The bill is for an unbundled XXXX service. As far as I know, XXXX XXXX and my health insurance XXXX XXXX has paid all of my hospital bills together with my Worker Comp insurance XXXX XXXX. 
The XXXX mentioned in the bill, did not send me any bill requesting any payment at all. The only time I heard of this unpaid service was on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: After several attempts of trying to dispute old and inaccurate addresses that are still on my credit report that needs to be removed that is still reporting.

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 01/30/2018 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (RI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They're asking for family members, I repeatedly tell them I am not giving out information over the phone to someone I do not know. They won't tell me what it's about. They won't tell me which person they're actually looking for. When ask what it's about, they tend to just keep yelling the name of their company ( Transworld Systems ). They keep calling even though I've asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A few weeks ago I was shopping for a car. Over the course of 2 weeks, I must have submitted anywhere from 30 to 40 applications for credit. 

The inquiries showed up immediately on my reports, but now, it looks like all my scores have gone down 30 or more points. I 'm not sure if this correlates with the closing of a secured card I had with XXXX XXXX ( the only one I had ) or if this is a result of the inquiries. 

If it is a result of the inquiries, I am confused. Those were back to back in efforts for me to shop around for the best deal. I thought most scoring systems counted this kind of inquiries as just one.

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 05/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: My father passed away and had a Bank of America Checking and Savings account that was " POD '' payable on death for myself and my sister. I went to the Bank of America Branch at XXXX XXXX XXXX XXXX in XXXX and give them a copy of the death certificate and the last bank statement. The person there said " we will contact you by mail. 2 weeks past and I did not get anything in the mail. I went back to the branch and asked when I am going to be contacted? They said they did not know and said " to wait longer. '' They also refused to give me any current information about the account, such as balance etc. I asked where the people are who are going to contact me and they said " they did not know. maybe in Texas or XXXX XXXX ... '' Another week went by and I went back to the branch. They gave me a phone number and a " reference number. '' I called it and was switched to a stock broker at XXXX XXXX named XXXX XXXX. There was a investment account associated with the checking and savings account, however I was previously told by Bank of America staff that : " the checking and saving account POD only applied to those accounts and not the brokerage account. I still have not gotten my share of the balance from the checking and savings account. Bank of America has yet to " contact me by mail. '' I can not get any documents relating what was set-up by my father, or the relationship of the Bank of America accounts, the Merrill Lynch account, Another bank where my father had an account paid the POD account within 5 days of the presentation of the death certificate. Bank of America has deliberately delayed paying the POD savings and bank accounts, and has had conflicting information on the accounts and the processing of my request. This involves both a checking and savings account at B of A.

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 08/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (ID).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/16 I called into Citibank to open a checking account with the promotional code for XXXX XXXX miles. I spoke with XXXX As part of the promotional fine print, I was to meet certain spending and billpay conditions. I met those, and can provide proof. Because I did not have any proof that the promo code was correctly applied to my account, I sent a secure message to Citi to confirm this on XX/XX/XXXX16. They replied, that they were unable to see the account application to determine if a promo code was applied, but that if it was, I would be eligible for the promotion. Therefore I continued to meet the requirements set forth and pay a monthly fee for this checking account, based on this response. When the miles were not credited to my account, I contacted Citi. On XX/XX/XXXX16, XXXX did confirm that a promotion code was attached to my account, but that I was n't targeted for this. Because citi was unable to provide me with this information back in XXXX, I continued forward, and only after they were to fulfill their end of the deal, did they provide me with information contradicting their earlier response.

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 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquiries on my credit report that I didnt authorized. Some inquiries are duplicates too. These are damaging my credit report and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: this number represents 2 accounts1. XXXX XXXX Bank2. XXXX CardThe information Equifax is reporting is the Date of XXXX Delinquency or Last activity as of XX/XX/XXXXXXXX accounts were opened in XX/XX/XXXXThey are not reporting the date opened. 
According to Fair Reporting Credit Act these accounts should be removed from my report as they are over 7 years old. Equifax told me on the phone they could not obtain the opened date information. 
If they can not show the correct information regarding my account. They should notbe showing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Other debt) with Kimball, Tirey & St. John LLP (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX , 2017 - - *   Rec eived letters from  XXXX  2nd/NEW Attorney (  *** ) -   Re  nt i s due on th e  XX/XX/XXXX  y et Attorney 's for the  XXXX  sent  3-day not ice with a debt collection notice attached as well. Attorney -   XXXX   XXXX   (  KTS )   XXXX   XXXX    2017-  - We sent certified letters to  XXXX  and  its at torney ( KTS ) to validate the debt and that we are disputing ALL portions of the alleged debt.       XXXX   XXXX    2017 -  - KTS filed unlawful detainer ( unbeknownst to tenants )   XXXX   XXXX    2017  - - Tenants received unlawful detainer    XXXX   XXXX  2017     - - Interrogatories personally delivered to Plaintiff Attorney of Record ( KTS ) .. Inspection demand personally delivered to Plaintiff Attorney of record ( KTS ) .. Notice of Motion-to-Quash, Judicial Notice  ,  personally delivered to Plaintiff Attorney of record ( KTS ) by server.       XXXX   XXXX   2017     - -   XXXX    XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   (  " Plaintiff '' ) authorized agents falsified documents and KTS is heavily relying on this information, which constitutes Civil Conspiracy.       XXXX   XXXX   XXXX     - - Counsel for KTS attempted to collect a debt without providing validation of the debt in violation of FDPCA, at court and in open court he attempted " Personal Delivery '' of the Summons and Complaint, even though we have disputed this alleged debt.     SUMMARY : The company is in violation of FDCPA, violations include but not limited to : - unlawful communication tactics -False statements and/or representation - Taking legal action on a fraudulent alleged debt.   - Malicious prosecution  - Harassment & Discrimination & Retaliation - I would l ike for this company and their process server to be investigated by this bureau, the California Attorney General, DOJ or FBI. Because if they are trying to pull this stuff on my wife and I am sure they have attempted this on other consumers and caused irreparable harm to individuals.     Law offices of Kimball , Tirey & St. John LLP  XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX , California  XXXX   Re  :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (Other debt) with Source Receivables Management LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This dept was previously disputed on CFPB website on XXXX18. The original debt collector was XXXX XXXX XXXX, the debt was then removed from my XXXX credit report however, it was recently added back on to my XXXX Credit Report again from a NEW debt collector " Sourcerm ''. 

Sourcerm NEVER made any attempts to contact me. I only found out about it when I logged onto my XXXX XXXX account a few days ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I checked equifax site for security breach and it stated that identity might have been impacted. I checked the site today X/X/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I sent a notice to correct an error on or about XXXX XXXX, XXXX. Ocwen sent 2 separate letters stating that they would investigate and provide documents. Ocwen has failed to respond to the notice but have had counsel, its office of the Ombudsman and customer care inform me that the sale will proceed on XXXX XXXX, XXXX without any documents presented that no errors occurred. Documents showing that I have asked Ocwen for a response as early as this morning is attached. The attachment also supports that there are in fact errors that were made. 




MailBoxes Inbox ( XXXX ) Drafts ( XXXX ) Sent Spam ( XXXX ) [ Empty ] Trash [ Empty ] My Folders [ Edit ] Previous Next XXXX ' XXXX XXXX 's unbelievable how different your daily life can be with the addition of some smart tools. Free your mind to focus on the really important things. 
Notice to Correct Error Loan number XXXX Thursday, XXXX XXXX, XXXX XXXX AM XXXX as Unread From : " XXXX XXXX '' XXXXXXXXXXXX To : XXXXXXXXXXXX Full Headers Printable View XXXX XXXX XXXXDownload All PDFnccob response XXXX XXXX RE : XXXX Borrower Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NC XXXX Dear Sir/Madam : This email is being sent in response to your counsel at XXXX notification that the property will be sold at a foreclosure auction on XXXX XXXX, XXXX. 

Please be reminded that your office received a Notice to Correct an Error ( RESPA ) on or about XXXX XXXX, XXXX via electronic services. 

Your office has not responded to the error wherein your predecessor initiated the foreclosure before mailing the 45 day pre-foreclosure letter. In support of this failure to respond and as a means to show proof that actual errors occurred, I am attaching documents that are evidence of your errors. 

Please be advised that a formal complaint will be filed in Federal Court as a result of your inaction on the Notice to Correct the Error. 

A new complaint will be launched with the Consumer Financial Protection Bureau. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have spent months trying to get TransUnion to fix their problem. They are incorrectly reporting my car payment as " closed, derogatory ''. 100 % wrong. I have talking to my bank and they say repeatedly the account is open and paid satisfactory. All other credit reporting agencies have it correct. They have reported they have corrected, and it simply not true - they have changed nothing. I am enclosing a letter received today from XXXX that states the I am such a loyal good customer I can skip a payment if I want- not something they do to closed accounts. I am currently two months ahead in my payments. TransUnion should remember all the fines paid to CFPB, more coming.

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 07-10-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My loan was transferred from XXXX XXXX XXXX XXXX to Nelnet. Nelnet says this happened in XX/XX/XXXX, SC student loans says the last info sent was in XX/XX/XXXX. I paid off the entire balance to Nelnet in the amount of XXXX on XX/XX/XXXX, & because I paid the loan after XXXX on XX/XX/XXXX, I also had to make payment for the next days interest which was less than XXXX cent. ( I will have to pull bank statement to determine exact amount of interest paid with the second transaction ). Almost 3 months after the payoff, Nelnet sent me a statement on this account stating I still owed {$60.00}. I called immediately since this was already paid off. Nelnet told me at that time that it was the last payment still owed, as they did n't take last payment with the transaction. I was sent to a supervisor who told me the same. I argued that because I was sent a statement that it was paid in full. I was getting so frustrated that we had to end the conversation before it got nasty. I called back a few weeks later hoping to get somewhere with them before the due date of the payment they claim I still owe. At that time, I was told that XXXX XXXX XXXX XXXX ( XXXX ) had sent a statement of fees still owed on the loan to them & that it was NOT the last payment withheld from payoff as I was told before. I asked for information to contact XXXX about this because I was n't aware of any fees. I called XXXX who says they have n't sent anything to Nelnet since XX/XX/XXXX. Something sounds very suspicious and I want to know where this balance came from because I feel this is bogus charges & they ca n't seem to get their story straight about where the balance came from. If I owe, and they can prove the charges legitimate, I will pay. However, I do not have money to just give away for some bogus charges they came up with and ca n't explain how they got there. They have had me going around in circles from Nelnet to XXXX and I 'm not getting a straight answer from Nelnet. **I ca n't put my hands on the paid in full receipt because we have alot of stuff boxed up to move, but the attached file is a statement sent in XX/XX/XXXX that I owe {$60.00} & states the amount I paid off and the date it was paid off. I have bank statements and I hope Nelnet will still have a copy of the phone conversation on XX/XX/XXXX when I spoke to a representative to give my checking account information to pay off the loan. When I unpack at our new home, I will gladly send in the paid in full receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hello, I had a federal loan for {$10000.00}, last year I was going through a divorce and was n't working full time, just doing odds and ends to make money. It was a rough time for me. I was contacted by Navient and they suggested to put my loan in a deferment until I could get into a position to repay my loan. I have not heard anything from them since. 

Yesterday, I received a letter from a collection agency showing a balance of over {$25000.00}. I had no idea what it was for, so I contacted them and they told me that Navient had Consolidated my loans in XXXX and then charged my student loans are in XXXX. The woman told me the balance at the consolidation was {$10000.00}, yet when it was charged all the balance was over {$25000.00}. This entire time I have been under the impression my loans were being placed on hold. I am not sure where to turn from here. I have never been offered any type of payment plans like I have read about today. 

How can a loan go up so much in XXXX year? Is this even legal? I know when I spoke with them and they said they were going to put it in deferment status the balance was still right under the {$11000.00}. With no attempts to contact me how is this possible? 

Any help would be greatly appreciated.

Company response to consumer: Closed with explanation