milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Reliant Capital Solutions, LLC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am in XXXX army XXXX and I have dropped XXXX classes of XXXX University XXXX thru the XXXX Portal XXXX. In this case, The XXXX University XXXX XXXX XXXX shall get paid for the 75 %. XXXX can not collect the full amount because I droped the class before the deadline. But after XXXX took the 75 % which is {$1100.00}. XXXX tried to collect addition {$370.00} from me personally. This was wrong claim because I have drop the class at its 75 % point. Now XXXX is using a company called Reliant Capital Solution ( RCS XXXX to get {$480.00} from me. RCS wanted this to be paid by XXXX XXXX 2015 with fees and interest. The claim is wrongful because I have dropped the class at its 75 % point. The fees and interest % is also so high that is over the Service Member Relief Act. Please help a solider in this wrongful claim and harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Debt collection (I do not know) with Northstar Location Services, LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collector is repeatedly calling my father 's cell # that I listed above. They also have called my cell # on several occasions. I do not know who these people are or what debtor they represent.

Company response to consumer: Closed
Consumer complaint received 08-12-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NJ).
Issue: Settlement process and costs

Complaint: I previously filed a complaint ( number XXXX ) which was closed after you sent me an email in XXXX 2016 stating, " The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. '' I received a letter from them shortly after your email stating that they are working on my claim. Since then I have not heard further, despite my numerous phone calls, which have all gone unanswered. Please see the prior complaint for the details. Apparently, after they respond, prompted by the CFBP inquiry, they say they will comply and address the issue, but no further action is taken.. Your email to me from XXXX, 2016 states that " New CFPB mortgage rules protect borrowers and make it easier for them to get the help they need. '' Unfortunately, this has not been my experience. I would therefore appreciate if you would reopen the prior complaint. THank you. 
XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 'm not sure what category this applies to, but it goes like this. I cosigned for my daughter 's student loans that she obtained through  XXXX  over the past 4 years, and they have accumulated to more than {$40000.00}. She is still in college at this point. Last month I received a letter from  XXXX  stating that as of  XXXX   XXXX  the amount of the loans will be shown on my credit reports with my debts. This effectively hurts my debt/income ratio severely. The result is that as of  XXXX   XXXX , my credit score was  XXXX . As of  XXXX   XXXX  it is  XXXX . So from now until the student loan is paid off, every loan I get is going to be at a higher interest rate, which means more money in the pockets of the lenders. I do n't know which category a complaint about this would be filed, but it sure is not right!

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 10/23/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CT).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX XXXX I decided to take a loss mitigation option provided to me by my mortgage lender Ditech. I applied for a short sale on my home. I then called every week to see how the process was going and was told by numerous reps that my application was in process and even received a letter saying so. In the first week of XXXX I called up and was told that my application was incomplete. I asked why everyone else told me it was in process and the rep had no answer for me. I then decided that because I had not received any interest or offers on my property that I would file an application for a deed in lieu at the end of XXXX. I called up Ditech spoke with a representative that told me all I had to do on my application was say that I wanted to vacate the property instead of sell. I did this and got my most recent pay information and resubmitted the application. I called every week for a month again and was then told at the end of XXXX that no one ever received my application, even though for the last month 4 different reps told me that I was in process. Furious, I asked what happened and was told that they never closed out my short sale app and that the other reps should ve done that. I re applied again for a deed in lieu in the beginning of XXXX. Again I was told for a month and a half that I was in process and then I began getting calls about flex loan modifications for my mortgage. I denied this option every time I was called but I nothing something was not right. On XXXX XXXX I spoke with a rep named XXXX and he advised me that my application for deed in lieu had not been reviewed because no one removed the flex loan modification so I could not even be considered for a deed in lieu. Finally he took down the flex loan modification and I re applied for a deed in lieu again. At the end of XXXX I was assigned a new account rep by the name of XXXX. She assured me that the application had been loaded into the system and was being reviewed. On XXXX XXXX I called and spoke with a rep named XXXX and she had told me that I never applied for loss mitigation assistance and that my app was n't in process and that XXXX was n't even in the loss mitigtion department. She reviewed my application and said it was incomplete again. Every time I talk to someone they tell me something different to do. No one ever tells me the truth and know I am headed towards foreclosure. Today I am applying for a deed in lieu for the fifth time. I have had it. Please help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XXXX XXXX, XXXX Equifax deleted several accounts from my credit report. Most of them being accounts that are active with balances that I am still paying on like a current car loan and open credit card accounts. I find it extremely unprofessional that they consumers a hard time correcting erroneous but illegally against the FCRA delete things that are being reported correctly. I have spoken with a representative with the Fraud department by the name of XXXX who is telling me she is unable to see any of these accounts and wont be able to add them back on she is telling me that I should call the credit grantor and ask them to rereport. Which is something I have already done. The credit grantors are telling that Equifax must add the accounts back to the credit report being that they were the ones to delete them. Even with an active fraud alert since XXXX XXXX Equifax allowed for accounts to be deleted that were reporting correctly and accounts that I have no knowledge of to be reported.

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. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My information was compromised during the Equifax hack.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Hello.I complained several times to cfpb about my mortgage lender XXXX ( loan servicer ocwen ) .they didnt approved us for HAMP modification of their own.XX/XX/XXXX up to XXXX XXXX ocwen took several HAMP Application from us, but never approved us for hamp.why ocwen is telling cfpb.mha, hamp solution they gave us hamp tier XXXX and we failed to pay, or didnt sent the agreement documents on time or pages were missing from agreement, etc. ocwen gave us previous lender ( Indymac Banks 's ) hamp modification which we refuse to accept, because it was not affordable payment.. .then ocwen put our home in sheriff sale XXXX/XXXX/XXXX and made us file bankruptcy .it ruined our credit. ocwen put our home in sheriff sale again on XXXX. they took another trail payment amount of {$2400.00} on XXXX/XXXX/XXXX for XXXX modification ( which has conditions in it ) .why ocwen is not giving us hamp.. please let us know what ocwen is trying to do to our home. ocwen is keep saying we rejected the hamp in the past and it was not from ocwen. since XXXX we are trying to get home affordable modification. both lenders were keep excusing to offer us home affordable payment modification program. both banks know they dont lose any thing, but we do. I put this matter in president obama 's attention twice.thanks..previous lender gave fraud loan on false income documents.this lender wants to sell my house.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: FCRA VIOLATOIN : Transunion file # XXXX. 
I disputed information contained in my credit file for my American Express credit card account. The only information that was incorrect was the balance due and account rating just for the month of XXXX was incorrect, it was listed as N/R. All the other months had correct information. The dispute was resolved in 2 days but the whole account with perfect payment history was deleted. This has caused my credit score to drop significantly due to no fault of my own.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (Conventional fixed mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (MO).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX, of Prime Lending Mortgage, was a lender I was speaking with about possibly buying a home in XXXX, 2015. She disclosed to a real estate broker who I fired that I was buying a home - permission I did not give her - this real estate broker was her friend and her name is XXXX XXXX -and XXXX XXXX threatened to sue me if I used another broker even though she violated our real estate contract. XXXX XXXX violated confidentiality. Both XXXX XXXX and XXXX admit in email they exchanged private ifno about me. XXXX XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, XXXX Board members sold some of their stock. Consumers did not learn of this for about 75 days! 

XXXX as a company should not be allowed to exist. It should not be allow to simply change its name. XXXX board members, executives, information technology staff and other employees involved should be punished for what they  have done to the citizens of our country. 

In the future, XXXX XXXX Experian and similar companies must have comprehensive review and oversight.

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 11/18/2016 about Debt collection (I do not know) with Blackrock Mitigation Group LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A XXXX XXXX called me to say that he was a dispatcher with XXXX and was trying to schedule a time to have me sign some documents. Said the documents came across his desk as marked " urgent '' and " requires recipient signature. '' Also stated it would be out for delivery at XXXX to my home address. I was there, no one ever showed. Called again the next day, stating this was the final attempt and that " redelivery would be shortly after XXXX at the jobsite listed, and that this would be the final attempt before he or his representation would need to pick this up. '' Left me another message at work stating that I was n't there when they tried to drop off documents and that I needed to set up a time where I and my HR director needed to sign documents. I needed to call the office at XXXX ( Will add an alert on this number as well ). After doing a bit of research ( not my first rodeo with XXXX like this ... ), I found the number of XXXX to be identical information to my experience. I called both numbers and got a similar " call center '' type of background noise on both. Phone answered by a XXXX XXXX XXXX, and a XXXX XXXX. I was transferred by XXXX XXXX to a XXXX XXXX who told me that I had paperwork out for delivery. I asked for the company name, and she told me Black Rock Mitigation. I asked for an address, and she told me that it was useless to send anything because they do not answer their mail ( certified letter in the mail for debt validation mailed today to cover my bases ). She gave me an address of XXXX XXXX XXXX, XXXX, NY XXXX. I also looked up Black Rock Mitigations LLC and found an address of XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX. XXXX images looks like this is an shady warehouse/office space. I asked XXXX XXXX if they were a debt collector, and she told me that they basically just finalize matters and send information, that there was a civil matter filed and they were putting me on notice. Would not commit to being a debt collector. Did not try to collect on a debt, but referred to a bogus debt of {$3500.00} saying there was a civil suit filed ( none has been filed, as I checked with the XXXX today ). These people are a scam.

Company response to consumer: Untimely response
Consumer complaint received 11/30/2017 about Money transfer, virtual currency, or money service (Check cashing service) with ACE CASH EXPRESS, INC. (CO).
Issue: Problem with customer service

Complaint: I received a settlement check from Ace Cash Express Inc Refund Administrator, by time I received the check it was expired. I have attempted to reach out by phone XXXX which is disconnected, by email @ XXXXXXXXXXXX and have submitted a letter to XXXX XXXX XXXX XXXX OR XXXX all with no response. the letter was sent about 4 weeks ago. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (CO).
Issue: Trouble during payment process

Complaint: Good Afternoon, This relevant to previous CFPB complaint # XXXX and supporting documents filed there. <P/>The final disposition of that complaint was that Suntrust agreed to move forward on a loan modification without requiring the signature of my ex-husband who is a hostile party. <P/>The final decision came through after I convinced him to sign with attorney threats and the signed docs were already enroute to Suntrust to meet the offer deadline. <P/>Suntrust then left it there and did not revise the documents so as they stand, his signature is still on the account. <P/>I requested that they remove him from the account based on their agreement to do so during the modification process which was based solely on my own income information and issued solely in my name ( but requiring his signature ). <P/>At this time I requested that he gets finally removed ( divorced in 2010, quit claimed off the property all supporting docs you have on file in the prior complaint ) and they have said no in three ways and are still passing me to new departments to discuss. I have spent an hour yesterday over two phone call and a phone call today with yet a promice that a 4th person will get back to me but the stance from each person remains that removing him is not an option.

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 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GOLD KEY CREDIT, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Last year I paid this account to clean my credit. I do n't know what this debt was for but I paid a reduced amount in order to have it removed from my credit and receive a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit card () with Atlanticus Services Corporation (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Fortiva issued a credit card in my name to someone else and the account is delinquent. I contacted Furtive and to date they have taken no action, indicating over a week ago that they would send me an affidavit by mail to complete. My reports to XXXX show no activity to resolve false addresses and phone numbers used in addition to the false credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: I have been in a constant battle with Equifax in regards to several things that are inaccurate on my credit report. There are three collection accounts being reported on my credit report which are medical. I have sent a validation letter directly to the collection agency as well as disputed directly with Equifax more than 30 days ago. Neither have provided me documents of verification of this debt. As a matter of fact, the collection agency never responded and Equifax just responded to my dispute that it had been verified without providing verification documents which i am entitled to via the FCRA. In this case, the items needs to be immediately deleted from my file as required by law until i am provided with verification. 

Also, there is a public record on file that is inaccurate. Equifax stated that they verified this with the reporting agency. I contacted the Bankruptcy court directly and was provided with a letter stating that they do not report nor do they verify anything with the credit Bureaus. There report stated that they used a company called XXXX XXXX which is a third party. I contacted XXXX XXXX directly to verify that they indeed certified that what was reported was correct and was told that they also did not verify anything because there is a security freeze on account due to the fact that I was a previous victim of identity theft and mistaken identity with someone with the same name as I.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
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: I submitted a complaint  XXXX  against Chexsystems on     XXXX  17     Regarding an issue with  XXXX  being reported on my Chexsystems report. Chexsystems came back and said the issue was investigated and found to be factual.  <P/> I also have a complaint into   XXXX   XXXX   Regarding this matter also submitted on     XXXX    XXXX   XXXX  says they need more time and still ca n't pull up the information being reported to Chexsystems and need more time as of today   XX/XX/ 17   . I have Phoned   XXXX   XXXX    Directly How is it  that   XXXX   XXXX   Can not confirm this information to CFPB and me as of today 's date, however, Chexsystems has it all confirmed. and  XXXX  was able to give them the full information regarding my issue?  <P/> I believe Chexsystems is in Violation of the law and did not investigate the issue and just spit out an answer.

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 06/14/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Struggling to pay mortgage

Complaint: Bank of America has fraudulently capitalized on their error of misapplied funds, unaccounted funds, funds received but not applied, including inordinate delay of funds to fraudulently and deceptively  : ( 1 )   misapplied funds and took an inordinate time to restore ( 1 month 8 day  ) ( 2 ) l ost payments, payments not reflected on ledger  ( 3 ) m anipulated account ending in  XXXX   ( 4 )  cancelled a repayment agreement (  5 ) c reate and conduct a fraudulent escrow a udit ( 6 ) in tervened and paid the  XXXX  property taxes without prior notific ation ( 7 )  has fraudulently cited a  XXXX  Bank of America document as notification to pay property taxes  ( 8 ) ignored my concerns and violated my rights as a consumer ( 9 ) transferred my loan to another servicing prov ider without addressing my concerns

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 03/18/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I rented my house out and the people that rented it put me down as the owner but I never signed a papers and when the renters moved out they owed XXXX and the alarm called me and wanted me to pay it.

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