milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (TX).
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: This is a huge step in the right direction but there still exist major flaws in the proposed course of action. First, the final loan assumption was XXXX 2014 ; this is the date when I officially assumed legal responsibility of the loan. Second, the response does n't even address the false reporting of delinquencies. It appears to me that OCWEN Loan Servicing is just glossing over the matter of false reporting delinquencies. That is the main issue I have with my credit report now. As the financial records prove I was never delinquent on this account. The matter is n't even addressed in the response from OCWEN Loan Servicing because they want to change the narrative. Third, how the loan is reported is n't in accordance with the contract I signed. The contract clearly states " the loan will be reported as Modified '' and not modified under a government program. If CFPB could please get an updated letter addressing the false reporting of delinquencies that would be great. As I 've shown through proof of payment and legal assumption of the loan, all delinquencies were discharged and not passed onto me upon assumption. This needs to be corrected ASAP. I 've provided all the necessary proof validating my position is correct. As I 've dealt with this company over the years I 've learned that they will pull out all the stops to XXXX you over. In my opinion, this is just another stall tactic in hopes that I 'll accept this but I 'm not. My good credit history is all I have and they 're not going to take that away from me. Please assist me in getting this corrected. If this dispute could be reopened I would greatly appreciate it. If OCWEN Loan Servicing refuses to correct the errors then I 'll have no choice but to seek legal recourse. As outlined in the assumption I 've attempted every option other than legal action. Please assist me in making one final attempt to get this matter corrected and effectively resolved. Thanks for your assistance.

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 08-08-2017 about Vehicle loan or lease (Loan) with AFS ACCEPTANCE, LLC (CA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: We started a deferment process on a car loan on XX/XX/XXXX. We have never been late on this loan or asked for this. The form was sent to us on XX/XX/XXXX by XXXXXXXXXXXX who is a manager. The form was completed immediately through their XXXX signature process and sent back on XX/XX/XXXX. We called on XX/XX/XXXX to ensure that all was received. The cs rep said yes. We continued to receive calls about our payment even though we were told by the above manager and CS representatives that our payment was deferred for XX/XX/XXXX and not to worry. The calls continue to come. We called on XX/XX/XXXX again being told deferrment was in process but to call at end of month reassured once again not to worry. We were told that we did not have a payment due until XX/XX/XXXX. We called on XX/XX/XXXX asking for payment alarm to be turned off. It was turned off. Today XX/XX/XXXX we received a nasty call that we needed to contact AFS Acceptance about our account ASAP. We called and were told we owe the XX/XX/XXXX payment and that now it was going on our credit as late. We have had this car since XX/XX/XXXX and have paid its enormous interest payment every month on time. It is a 60 month loan at high interest due to be paid off next year in XX/XX/XXXX. These guys are very unprofessional and horrible with how they treat customers. The car dealer who sold us the car went out of business two months after putting us in this awful loan. We have followed everything they asked and they have continually lied to us. Our credit should not have anything negative at all since they messed a simple task up. They need to do what was promised and defer the XX/XX/XXXX payment as promised by their manager and team. Any additional questions please contact me at XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TCF NATIONAL BANK (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am writing to dispute the following : XXXX XXXX XXXX XXXX XXXX ( XXXX ) account delinquency. On XX/XX/XXXX XXXX XXXX Active Deficiency Specialist for XXXX   notified me via phone that XXXX failed to provide the contract extension agreement for XX/XX/XXXX to XX/XX/XXXX to XXXX XXXX for claim XXXX so that GAP Policy XXXX would satisfy the account. XXXX XXXX issued payment to satisfy the remaining balance following receipt of the contract extension agreement. XXXX XXXX stated my only remedy would be to dispute the item with the credit bureaus, as XXXX would not remove the negative item. I am requesting that the item be modified to accurately reflect the account status as the delinquency was due to a lapse on the part of XXXX 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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted XXXX XXXX on XXXX XXXX, 2017 & spoke to a rep by the name of XXXX & she assured me that NO ONE from TransUnion verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XXXX XXXX, 2017. I also contacted the New York Federal Court on the same day & was also told that NO ONE from TransUnion verified any type of bankruptcies.

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 07/14/2015 about Credit reporting () with HireRight Solutions, Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: accident / incident reported on my transportation Employment History. ( Hireright ) On XXXX/XXXX/2015 a accident was reported upon my history as a preventable Accident. this is untrue i was not at fault for this accident. and the reporting of this accident as preventable is damaging my person as to employment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Have advised all 3 bureaus that I am a victim of ID theft have submitted police reports, ID Aff. and they refused to remove the accounts that are included which are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Protas, Spivok & Collins, LLC (DC).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a letter from Attorney, Protas, Spivok, and Collins, LLC. Phone : XXXX XXXX regarding an unpaid balance ( {$2000.00} ) from an apartment ( XXXX XXXX ) I lived in from XX/XX/XXXX to XX/XX/XXXX. I contacted the apartment management and expressed to them that the information that they submitted to collections was incorrect and requested to receive correspondence on what they had on file for me. I was initially told ( by XXXX XXXX, Regional Director ) that their records indicated that I moved out on XX/XX/XXXX and that they did not receive rent for XX/XX/XXXX and XX/XX/XXXX of that year. A XXXX email, from XXXX, confirmed that I submitted notice to vacate the apartment on XX/XX/XXXX and that I vacated the apartment on XX/XX/XXXX and relinquished the keys to XXXX on that same day. She went on to say that although they kept my security deposit ( for the XXXX days in XX/XX/XXXX that I was still in the unit ) the lease requires a tenant to move out on the XXXX and that I would be responsible for paying for XX/XX/XXXX, plus late, legal and WRIT fees. After requesting that she provide me with a copy of the lease and highlight where it states specifically that a tenant can not move out until the end of the month, XXXX did not respond to me but I received an email from a representative from XXXX XXXX, Client Liaison, XXXX XXXX XXXX, stating that her client could no longer be communication with me because this case is now a legal issue. I am being harassed by Attorney, Protas, Spivok, and Collins, LLC stating with threats of my wages being garnished because of this unpaid balance up to being placed in jail. The information that was submitted to the attorney is incorrect and I do not owe XXXX XXXX ( Equity Management ) anything.

Company response to consumer: Untimely response
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: ( copy sent to XXXX XXXX XXXX XXXX and XXXX ) I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from XXXX and found out I owed about {$78.00} to XXXX. I paid XXXX I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called XXXX a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GLOBAL CLIENT SOLUTIONS, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: statements, contracts I treated that this Co. Global Client Solutions LLC is a company that stole my money, and my wife with out my authorization. we were victims of unscrupulous an unethical practices. 
I spent to have a result soon looking forward for a solution to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX see attached spreadsheet. Numerous vioations icluding but not limited to illegal fireclusure Federal offense by foreclosing while in a class action lawsuit Isurance fraud Inclusion of earthquake. Insurance unauthorized Gross enrichment Insurance fraud ... .. The list goes on and on.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX and XXXX are continuing to report incorrect information on my credit report regarding a bill that has already been paid.

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 04/19/2016 about Student loan (Non-federal student loan) with Windham Professionals, Inc. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: in 2000 I was approached by student loan officials at the University XXXX at XXXX Maryland where my son was attending at that time. I was was told this was a " parent plus loan '' that it was for the student in their name but that the parents were simply cosigners. that was the exact terms used. now these NASTY collection companies are calling me and sending these nasty letters to me. the original loan was for something like {$3500.00} now this collection is sending threatening letters to me telling me they will garnishment my wages for the now amount of {$7500.00}. this was NEVER understood to be my loan. 
I have not talked to my son in over 7 years and I do not even know where he lives or works..

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 08/22/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (WA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Comenity bank called me and the rep left a voicemail that says I need to call or they will sue me. Comenity bank is now trying to say that is not what the voicemail says. They offered a XXXX credit which I do not accept, and the gentleman by the name of XXXX said they have tried to call me several time and no he called me one time and I have since called and left 3 voicemails to discuss this further that he has not returned. I have saved the voicemail and this is not acceptable. I have had 5 different people listen to the voicemail and we all hear the same thing EXCEPT the creditor does not. Being threatened and then ignored has caused my XXXX to act up as well I have had XXXX XXXX from having to deal with this. I have filed complaints with the AG and BBB as well and I will NOT allow this company to treat me this way. I have attached the voicemail as well

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (I do not know) with GreenSky Trade Credit, LLC (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: .    One  day  XXXX   XXXX  came to my house and referred a company that will install a water heater solar panel in my roof. He then let us signed a contract for the installation. However, when the installers came, we changed our mind and did not let the installers proceed. In others words, we cancelled the job.  One month later GreenSky started sending me the bill. So I just ignored it because since we cancelled the installation I do n't owe any money. This company just persistently sending me the bill with interest. One day I wrote a letter on the statement stating that the item was not done because I cancelled the installation. The following month GreenSky  sent a bill with interest totalling {$10000.00}. So I called again telling them that I just sent them a formal letter dated  XXXX   XXXX ,   XXXX   telling them that the job was not done. So I called again and  one of the rep.  that I talked to by the initial of  XXXX . on  XXXX  said that they never received any letter. My big issue now is that this company even reported this to the credit bureau and ruined my credit already. I want them to removed this issue on my credit so that I will have a good credit again. Thank you very much for your kind assistance regarding this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to obtain my free credit report from Equifax. They only way I can get it instantly is to PAY them. They will give it to you right away, if you pay them. But when you go to  XXXX  they ALWAYS say they ca n't give it to you, and that you must mail in your request along with enough personal information for someone to completely steal your identity if they opened the envelope.     It is my opinion, based on my own past and present experience with Equifax, and comments I am seeing from thousands of others on blogs, that Equifax has purposely made obtaining the free credit report as difficult as possible as many others are having the same experience I am.     In this day and age of financial institutions and consumers losing billions of dollars to identity theft, is it a responsible and prudent practice for Equifax to ask you to include a copy of your  XXXX , drivers license, social security card and other identifying information in  one  envelope to obtain your free report?     How many identity thefts and dollars lost can be attributed to Equifax corporation due to the hundreds of thousands of people who are sending their entire profile of sensitive data in one envelope to get a free report?     I have had money orders stolen so I can attest that mail does get open and stolen and many times by people that work for  USPS  or the shipping companies who are infiltrators that send data overseas. It happened to me and it was explained to me by the  USPS  and   XXXX   XXXX   this does happen.     Once again, big corporations have found loopholes to get out of following the laws, because many wise folks are not willing to send that data in the mail, so you are forced to pay them for a report.     I thought the credit reporting agencies mission was to protect the banks not setup opportunities for them to lose money through identity theft?     It is surprising to me that the CEO of a big corporation with all of its degreed leaders are not smart enough to see the lack of common sense in requesting these documents in the mail from consumers. Greed blinds people and clouds their thinking.     I had the same issue many years ago before this complaint site was established, with Equifax never being willing to send me a free credit report without mailing in all my sensitive data but I could always seem to get it online instantly if I paid them. Interesting how that works.     I was and always have been able to obtain the free report from  XXXX  and  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Our current mortgage servicer is Caliber Home Loans. Their attorney notified us in a letter dated XX/XX/XXXX16 of a sale date of XX/XX/XXXX16. We are asking to have the XXXX XXXX date set aside until our loan modification application currently under review with Caliber 's Mitigation department XXXX, OK, has reached a conclusion. Caliber 's SPOC requested additional documentation as of XX/XX/XXXX16. It appears that my wife and I are victims of duel tracking. ( Please see the uploaded document entitled " complaint '' for further details )

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Management Partners, LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dsg Collect keeps calling me stating that I owe money for tuition from XXXX XXXX XXXX a former employer of mine ). I have consistently stated that I do not owe the money as the training was required for the job I had with XXXX XXXX. I finally received a letter from XXXX XXXX in XXXX 2015 stating that I did not owe any money and that any debt collection agencis have been notified that I do not owe anything. I received a call from DSG collect again XXXX XXXX, 2015. I told them again I do not owe any money and now have a letter from XXXX XXXX stating that fact. They gave me an email address to send a copy of the letter to which I did that day. I received another call from DSG collect on XXXX XXXX, 2015 stating again that I owed money. This time the person tried to tell me they were an employee of XXXX XXXX. I quickly found out it was DSG again. I told them I already sent the proof I do not own but they stated they did not have that record and that they have made a negative report to my credit rating. I asked where I could send the letter to that I do not owe and was given the same email address as before. I sent the proof that I do not owe again.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Credit file XXXX is under security freeze due to ID theft. Equifax released my credit information illegally to XXXX on XXXX/XXXX/2014 while the security freeze was in place ( see attached screen shot of my credit file inquiry section ) This is a violation of FCRA. I did not authorize this release of information.

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 Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim of the Equifax Data Breach, my social security, driver 's license, etc has been accessed by the hackers. They have all my personal information. I can not even access my free credit report at this time to check for issues and they tell me I can " enroll '' in their 'XXXX XXXX ' is on the X/XX/2017. I now have to worry about the long term impact this will have on me as they can sit on my information, especially my driver 's license and social security information, for years. This breach has compromised my information for the rest of my life.

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