milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to do a loan modification on my condominium that I have lived in since 1987. My address XXXX XXXX XXXX XXXX XXXX Illinois XXXX. My lender XXXX and servicer is OCWEN. The unit is worth about A {$50000.00} and I owe {$110000.00} I want to do a modification My income has improved and I can make payments I am XXXX years old. XXXX XXXX is the person at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX is attempting to collect a debt that was discharged in Federal Bankruptcy Court three years ago. They have also placed false, negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with Collection Bureau Services, Inc. (MT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a credit monitoring alert ( XX/XX/2017 ) that 2 medical collection ( one for {$30.00} and the other for {$650.00} ) had been placed on my credit report. I have NEVER received any phone call or written communication regarding these medical accounts. I called the original creditor and they stated that I was not listed on the account and that they had NOT reported anything to a collection agency. I then called the collection agency and asked why they reported the account when the original creditor had not reported it, their response was that I was still linked to my ex-wife 's accounts. I told them I have been XXXX  for 4 years but the collection was only a few months old. The collection agency stated that they took the liberty of reporting the account on their own behalf to the 3 CRA 's. I faxed in a copy of my XXXX  decree to show that I was n't linked to my ex-wife anymore. I told the collection agent that it did n't sound very legal in what they did but he turned a bit belligerent towards me and said that 's the was it is.

Company response to consumer: Untimely response
Consumer complaint received 07/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Hello, I am filing a formal complaint in news of the Navient/ XXXX XXXX lawsuit. From the dates, XX/XX/XXXX to XX/XX/XXXX I was unable to make any payments on my loans due to my financial status. I was working XXXX jobs and barely could make ends meet. I was told by at the time XXXX XXXX that my only option was to go into forbearance which I did every 3 months until I was making enough to make some of the payments, I have never missed or went into late payment history I knew that would be worse in the long run for me. What I did NOT know is every time I put my payments " on hold '' XXXX XXXX/ Navient was added thousands of dollars onto my interest charges during that time span. To this day I struggle making my payments. I make decent money but never seem to get ahead and in turn has resulted in thousands of Credit Card debt due to my student loan payments being so high. I hope this complaint helps me and others come to some type of justice. Thank you, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Credit card debt) with ZWICKER & ASSOCIATES (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: I informed XXXX XXXX XXXX that I lost my job after being hospitalized in XX/XX/XXXX. I had no means to satisfy the debt. They continued to call me 3 to 4 times a day. The credit card in question was never applied for. We had never signed a contract. I called Zwicker & Associates PC after I was served with papers at my home informing me that they were representing XXXX XXXX in a lawsuit against me for the credit card balance owed. I offered to pay {$100.00} a month to satisfy the debt, they refused and said they would pursue suing me. I was told by XXXX XXXX that I would need to find someone else to pay the debt for me. That they would not accept a payment agreement unless I paid half the sum owed and an exorbitant monthly fee. I asked to speak to someone else. He said no one else would be able to help me, not the attorney 's at his office, or anyone else higher in his department. He said that there was no agreement to be made and the attorneys would be suing me unless I paid the balance in full or put {$3000.00} down and paid almost {$400.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with ERC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: ERC on XXXX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested ERC to remove incorrect information off my credit report. More importantly, ERC are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a discharge on X/XX/2009 for total XXXX and never heard anything from XXXX only from XXXX ..XXXX has put incorrect info on my credit report XXXX XXXX and did not understand what was going on and its caused my credit report to show I am in default.., I have never received anything from this company, they have ruined my credit,

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 02/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My husband took out this school loan, and I was the co-signer due to his credit. I was n't thrilled with being a co-signer but I did it XX/XX/XXXX.My husband tried to resolve the monthly payment situation with Navient for XXXX XXXX , but it was not getting resolved due to some late payments by him, Navient was calling incessantly and harasssing me to pay his school loan off. I told them '' I not a bank '', an can not afford to pay this total amount. I asked to be taken off the loan as co-signer. I do n't want or need the headaches, or harrassing calls from Navient. XXXX and XXXX from Navient XX/XX/XXXX, told me If I were to pay them, {$4000.00}, I would be released as Co-Signer, of the student loan, and I would never receive any negative information on my credit report pertaining to this. XXXX and XXXX told me that the credit report would say- '' paid in full, satisfied loan requirement. XXXX Balance for Co-signer When I pull up my credit report all ( XXXX ) companies have reported it as a Charge off, Bad debt, Unpaid balance and reported as loss. I would have never ever paid them XXXX to still have this negative information reported on my report. They took my money, and did not honor their side of the agreement. If I did not pay them the XXXX dollars my report would still say the exact same thing. Navient is a big scam!! I would like to get my money back and find out who really took it. I spoke with XXXX and XXXX in XXXX 2014. Please research this. Their phone number is XXXX Also all the harrassing phone calls. 
My husband attended a XXXX School online through the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with EQUIFAX, INC. (TX).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Acct Service {$65.00} Opened XX/XX/XXXX XXXX XXXX  {$3700.00} Opened XX/XX/XXXXXXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on XX/XX/XXXX XXXX XXXX  {$250.00} Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2017 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (WA).
Issue: Making/receiving payments, sending money

Complaint: I arranged for a transfer of money from my Ally checking account into my father-in-law 's checking account on XX/XX/2016 and have a printed confirmation of the transaction. The transaction was arranged for through the " pay people '' application on the Ally on line web site. The transfer did not take place and despite numerous inquiries to Ally Bank I have been unable to ascertain A : the status of the transfer, B : the reason for the failure for the transfer, C : how to re-enable the transfer, or D : any information on how to contact anyone to resolve the problem.

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 02/25/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: XX/XX/XXXX I was looking to buy a used truck for under {$10000.00} I found on the internet. I knew my credit score was weak because I just did my annual free credit report.i found the truck and wanted to make a deal. I then was told that no finance company would do a contract due to the miles and that I needed to look for a more higher price vehicle to guarantee financing.So I was pointed to a XXXX XXXX XXXX XXXX.which had a sticker price marked at {$18000.00} on the window the basic model car I then went ahead and just told them to pre screen me to see if I qualify for a loan on the car, I didn't even test drive the car because I didn't think I would be able to afford it.so while in the office I mentioned to the dealership manager that my sister was a employee at their dealership and he assured me that I would be taken care of.ok while the contract was being drawn up the manager walks in the salesmans office and says by the way I'm throwing in a service contract for your car it's really good and it will help your deal go through because finance company 's like that your protecting your investment I mentioned to him it's a new car doesn't it have a factory warranty? His response was I needed it to assure me the loan and I can remove after 6 months.I honestly felt I can trust him being that I have family working there.So then he comes with my credit report and asks me if I was in jail for like 10 years or something why I did not have any sign of revolving credit or bank account or credit cards? I told him I had a car reposessd in XX/XX/XXXX and that it just depressed me and would never let it happen again so I was just cash on hand.he mentioned that no bank would give me a interest at 3 % which is what I asked for I had a lack of credit history total debt was {$1100.00} how a 13.9 % interest rate on my final contract and i was told only chrysler capital was the only one who could finance me was odd. 6 months go by I remove service contract, and I am devastated when I hear XXXX is stopping production on the XXXX.I saw a msrp in XX/XX/XXXX of {$21000.00} fall to {$13000.00} with factory rebates on the same purchase I just made 6 months prior.I can't refinance car because I owe {$16000.00} on a car that was financed at 13.9 % all my payments of $ XXXXmore the 3/4 going towards interest I know cars lose value but this is like a robbery on paper I wrote dealership various letters with no response.all I ask is a fair deal, I like the car.i paint cars for a living and I did some awesome upgrades to the car I want the dealership to rewrite the deal at a lower interest rate without the service contract so it doesn't inflate the price from when I bought the car with the {$1000.00} down I put on it and I don't think it's fair to be mislead into buying a car because of the price keep in mind I walked in looking for a truck.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Credit determination

Complaint: Disapproved BBVA Compass XXXX XXXX Credit Card based on information from ; XXXX XXXX Credit Report, Reason " Insufficient Credit History '' and XXXX Reason " " Unable to Verify Indentifying Information ''. Credit score XXXX out of possible XXXX ' Other reasons ; 1. Proportion of Loan Balances to Loan Amounts. 2. Prop of Balance to High Credit on Banking Rev on All revolving Accounts. 3. Too few Accounts Now Current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is serviced by : PennyMac XXXX. XXXX XXXX XXXX XXXX, CA XXXX I have made on-time monthly payments for the entire term of the loan, including payments for additional equity reduction. PennyMac has incorrectly applied my payments every month, often by applying the additional payment to the following month 's payment ( more than a month before the payment is due ). For the last five months, I have had to call them every month to get them to correct errors in how my payments were applied. PennyMac 's incompetence has hit a new high this week when they sent me a letter stating that my payment was more than 30 days overdue and that my loan was in default. 
I have sent them an e-mail alerting them to their error assuming that will start the reconciliation process. At this time, I do not know if they have reported this false information to credit agencies. 

PennyMac 's practices should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: According to the Consumer Protection Federal Agency and the Department of Conciliation Services for Foreign Residents ( CARE ) there is a term of 5 working days to cancel a timeshare without penalization. I sent an email within the 5 days to have cancel with XXXX. This was done through a 3rd party. I have followed all suggestion since then and NO funds have been returned to me. A representative from the company spoke to me and an executive at CitiBank about the refund and was supposed to get back with us after the last conversation that was over a week ago and although CitiBank was unable to get back in touch with said company I am still held responsible for this bill although I have not been able to get any of the services that they promised without making additional payments even when the contract states that the service is a " free '' service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Creditor : XXXX XXXX Account closed and XXXX loaned signal boosters returned to them on THEIR prepaid XXXX shipping labels. Several calls to XXXX with the " XXXX Proof of Delivery '' acknowledged. 

A month later, started receiving letters from a collection agency. I replied to letter requesting that they send me proof that they are the " creditor in due course. '' I did provide them with the " XXXX Proof of Delivery '' info. As of XX/XX/2017, no reply. 

Called XXXX again, provided the return " XXXX Proof of Delivery. '' I was told my case would be turned over to their Executive Response Team and I would hear back from them in a few days. 

What I got back was a letter masked to look like a collection agency attempting to collect a debt but is really from, I believe, XXXX Executive Response Team. 

I would like from XXXX XXXX : 1. A letter admitting their error. 
2. No further contact from any outside collection agencies or XXXX XXXX internal collection department " attempting to collect a debt! '' 3. In the event this appears on my credit report they ( XXXX XXXX ) will immediately remove it. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/29/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The balance on my XXXX XXXX account ( XXXX ) goes from XXXX to {$49000.00} to XXXX to {$49000.00} several times over the past six months. It was XXXX in XX/XX/XXXX, had the balance in XX/XX/XXXX ... then XXXX on XX/XX/XXXX and again has a balance on XX/XX/XXXX. 
I have attached documents showing that this balance has been paid and the mortgage cancelled. I have also attached documents showing this progression of errors from XX/XX/XXXX until now. This fluctuation error is costing me thousands of dollars in interest rates due to the major changes in score from one month to the next.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Victim of equifax security breach https : XXXX Trusted them with this information and they failed their duties as a company to protect my information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: XXXX XXXX did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. XXXX XXXX claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported. 

XXXX : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX : XX/XX/XXXX Transunion : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, XXXX XXXX did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 've disputed with TransUnion on several occasions about this one account that was charged off by the creditor which means it was filed on taxes and no longer owned by anyone and should 've been removed. TransUnion said that understood that but still have n't removed it and it 's been about 3 months since I began disputing that

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 02-06-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Portfolio Recovery license XXXX is collecting a debt that I am not aware of and the license is expired to collect in the state of Florida the account number for this debt is XXXX .... 
The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX Won't let me put it in the next page

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX has placed an illegitimate debt with Convergent ( a debt collector ). 

On XX/XX/2017 at XXXX XXXX, I called and some to a representative named " XXXX '' with the service code " XXXX ''. After stating that my account was cleared, there was a XXXX balance and I would incur no charges XXXX refused to transfer me to a supervisor after several requests so that I could confirm the XXXX  balance. 

Since then, they have placed a debt for collection, presumably reported to credit bureaus, all in direct contradiction of their own representative and to the detriment of my credit history and continual harassment by a debt collector attempting to collect a charge that XXXX XXXX own representative says would not be charged and refused to confirm with a supervisor

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