milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX : This vehicle was destroyed in a weather related accident on XX/XX/XXXX. 
I have spoken to XXXX XXXX XXXX XXXX numerous times that they continually report to the bureaus account is still be paid and in good standing. 
I have told XXXX and XXXX that I have not had vehicle since the date listed and they have since removed it. Equifax refuses and XXXX XXXX states that because I continually speak about it, that each interaction extends the trade that much longer. 
Further, Equifax is also stating that I have negative payments, yet I am paying as agreed with a XXXX balance. In XX/XX/XXXX, I received a letter clearly indicating my account was paid in full, yet they still report. My account was reported as inaccurate and would be corrected. My wife was a co-signer and all of her information has been purged, yet mine has not. 
Would like this removed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This deals with case # XXXX, in it i stated that Wells Fargo bank had called me to collect a debt I did not owe. This was in XXXX, they called even though I had told them XXXX10 months before that I did not owe them anything. they investigated and found that I was right. they promised to pay me the {$1500.00} fee for this infraction of the do not call registry on which I am enrolled.. This was told to me by XXXX XXXX, thier research and remediation manager, I was sent an agreement letter and a tax info sheet to sign and fax back. This I did on XXXX XXXX at XXXX. i have confirmation from Wells fargo it was received. I was told I would receive a check within 10 DAYS, NOT business days, 10 days period, that was yesterday the XXXX. I have not received the check and XXXX XXXX will not return my calls, this means they are in breach of the agreement and are throwing the rules in yuor face and mine, as they have violated the law and believe that they are above it I think they owe me another {$1500.00} and owe you an apology.

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 07/28/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We closed a loan ( mortgage ) with CitiMortgage in XXXX XXXX. A deed in lieu agreement was signed and recorded with the register of deeds in the county the property is located. A Satisfaction of Security Instrument document was signed by CitiMortgage, with wording that includes : this satisfaction terminates the effectiveness of the security instrument. Both of these documents are attached. CitiMortgage as of XXXX is saying this security instrument is open and we owe them an approximate sum of {$40000.00} as fees related to this loan. We have just become aware that CitiMortgage is now selling this closed loan to 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 02/28/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: OCWEN IS ILLEGALLY DUAL TRACKING US We are in the middle of trying to get a Home Loan Modification with Ocwen ( Exhibit B/Mod Package ). 
Our loan modification package is due today and was sent in today, XXXX/XXXX/16. Our 'new ' relationship manager has us scheduled for a phone call XXXX/XXXX/16 to discuss the modification and is aware our XX/XX/XXXX bank statement will not be available until XXXX. We were assured the XX/XX/XXXX date will not affect us being reviewed for a modification - the date would be extended and NO other action will be taken until after the XX/XX/XXXX review. 
HOWEVER - we just got a notice DATED XXXX XXXX from Ocwen saying we are in FORECLOSURE!!! ( Exhibit A/letter saying we are in foreclosure ) THIS is ILLEGAL! THIS IS DUAL-TRACKING! 
I can not even begin to tell you how XXXX the XXXX XXXX notice We JUST RECEIVED is. 
Our hardship ( laid off and having a XXXX ) is being made worse with this threat of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Last year CCO mortgage who holds a XXXX on my house of less than XXXX on a house valued well over XXXX, purchased flood insurance at {$600.00} a month and charged it to my account. I already had flood insurance at {$300.00} a year and yet they refused to refund the {$600.00} to my account. Those actions make them fraudulent and unethical in my opinion and those are the exact words I put on all my bills that I pay for. Last month they decided to start harassing me by placing me on a " courtesy call '' list. My credit is well north of XXXX and I have never had a late payment to them or to any other institution. Despite this fact I am receiving daily phone calls that begin on the XXXX of each month for a bill that is due on the XXXX but not late until the XXXX. The ONLY reason for them to do this is to harass me. I have told them to stop and yet they still continue to do so. What are my rights and who can protect me from this unwarranted harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Medical debt) with Hollis Cobb Associates (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In XX/XX/XXXX I went to ER. The ER visit became an issue with XXXX XXXX XXXX as they are not honoring their contract. I tried to work this out with Insurance Carrier, and XXXX Hospital for 8 months now. 
I filed an appeal with my Insurance carrier. The Hospital apparently was not told to put my account on hold while the Insurance carrier reviewed the case and my case ended up in collections. XXXX XXXX XXXX is the collections agency calling  me. They ask for me and then demand personal info from me like date of birth, social security info, address to gain access to why they called. I was outraged and explained I would only give my birth date as I do n't know who they are. Upon giving my birthdate they tell me they are a collections company. 
I did not know my case went to collections initially and had no idea who they were. I called the hospital and they confirmed the case went to collections. The hospital also told me that my insurance carrier continues to not pay their bills or honor their contracts and to contact XXXX XXXX the XXXX XXXX and fire safety commissioner and I have and the case is being reviewed. 
When XXXX XXXX XXXX called I asked multiple times for them to send me a bill. They have not and told me they will not. I initially asked them about payback amounts and they refuse to work with me. They are telling me of the over {$5000.00} bill I will have to pay them back over {$400.00} a month for 2 years and again refuse to send me a paper bill so I can see the breakdown amount or confirm who they are. I have no indication by these phone calls they are who they say they are. They have called me every week at least 2 times even after I explained what I was trying to accomplish with the Insurance Commissioner as the case is in dispute and I have to wait for the outcome. Now todayXX/XX/XXXX they have called my relatives demanding they inform me of their call and to have me call them back. At this time I have blocked their calls and I will not speak with them. 
This company is not professional in demeanor, uses illegal tactics and has no regard for the situation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Transworld services inc. Contacted me and told me I own {$650.00} to a doctor at the University XXXX XXXX XXXX XXXX XXXX I have not been to nor ever visited this place. I have a pay stub that will prove that I was at work XXXX plus miles away during the alleged visit on XXXX XXXX 2016. The woman that contacted me from this debt collector was rude and threatened to ruin my credit. Transworld services inc. called several times and never left a message when I tried to call the number back no one answered and the voicemail option is always full there is no way to contact these people.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Mortgage (Other type of mortgage) with PNC Bank N.A. (GA).
Issue: Trouble during payment process

Complaint: OnXX/XX/XXXX consumer entered into a mortgage loan with XXXX XXXX XXXX XXXX. and signed a Note and a Security Deed to secure the same. Thereafter consumer 's note was purchased by PNC Mortgage now PNC Bank. Note payments are due on the XXXX of each month with a 15 day grace period before late charges may be assessed. Consumer has made all payments on the Note timely however in XX/XX/XXXX PNC refused to accept Consumer 's payment claiming that it was less than the amount PNC claimed to be due for the month because PNC had purchased an insurance policy on the property and added the premium to the monthly payment amount under the note. The property was already insured but PNC claimed it had not received a timely notice of insurance coverage. PNC repaid the extra charge after receiving proof of insurance coverage by consumer. Thereafter consumer began receiving notices of late charges following each timely monthly payment on the Note which have continued unabated for the past six ( 6 ) years. Consumer has been contacted and harassed by telephone by the PNC collections department daily at all hours of the day despite being told that no late charges are due under the terms of the Note purchased by PNC. PNC acknowledged that no late charges are incurred under the Note until after the fifteenth day of the month but nevertheless it continues to generate bills for late fees notwithstanding receipt of consumer 's payments well within such fifteen day grace period and continues to harass consumer with daily collection calls notwithstanding consumer 's demand that it cease. The late charges PNC now claims due is in excess of {$5800.00} which consumer does not owe and will not pay. Consumer files this complaint with the CFPB prior to filing a lawsuit against PNC in the appropriate court having jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Payday loan) with NAM National Arbitration and Mediation (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Hello, I 'm writing to complain about the ADR group. They also go under the name Dispute Resolution Services. Yesterday I received a call from a man named " XXXX XXXX ''. He said he was an investigator with XXXX XXXX XXXX and that I was listed as a contact person for my husband, XXXX XXXX. He told me he would be coming to my house tomorrow, XXXX XXXX, between XXXX with the sheriff to serve summons to my husband. He also said that if he did not receive a stand down order and my husband was n't home, that my husband would be facing legal fines. He did not leave a company name and he did not give the mini-miranda about trying to collect a debt. He did leave a case number and docket number. He also left the phone number of the company he is working for. Of course now I 'm freaking out because I 'm worried that the police are going to come to my house and take my husband in front of our kids ( he would actually be at work during the time of this scheduled visit ). 

I did a little research and found out the company is called ADR. When I called the number back the system told me they were called XXXX. I went through my voice mails and found out they had called me in XXXX telling me there was a complaint filed under my husband 's name and SS # for fraud. When I received this call in XXXX I called them back and asked for number to be removed from their records. Of course they called again. They 've also called my parents with the same scare tactics. 

I do n't think it 's right that they threaten and use scare tactics to try and reach my husband. I talked to a friend who worked in collections and was told that this was absolutely illegal. That they ca n't threaten to sue, ca n't threaten arrest, ca n't misrepresent who they work for. They did all of these things!! Any help would be appreciated and if you need to contact my husband or I, please do! 

Thank so much, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 03-05-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft and credit fraud for over 3-4 years now and during that time, I have seen my credit score go from XXXX to XXXX. I have written to the reporting agencies, Equifax , XXXX and XXXX, and to this day, my reports have not been restored. I have also filled several police reports. During that time, several fraudulent accounts were indeed removed but some still remain and my credit score do not reflect my true record. I am so frustrated with everything and need help. I do n't know what else to do or who go to. 
Please note that I have been denied credit on several occasions because of this and I have been embarrassed several times as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX, I filed a dispute with Equifax due to false negative item on my report. The confirmation number for this dispute is : XXXX  for the amount of {$2300.00} ( monies owed to landlord ). I called them on XX/XX/XXXX to check on the status of the dispute. The agent informed me that the company was able to confirm the accuracy of the item ; however, they never contacted me via phone, mail, or email to advise me of this information.I even went online to check on the status, and it had no status pending. To my understanding, they have 30 days to respond and give me the results of the dispute. After speaking with an Equifax representative, they informed me that they can send a copy of the dispute resolution via mail/email ; I never received the documents. I 've been dealing with Equifax for 6-8 months and they never respond to me, unless I report them or call to complain. As Americans, our entire livelihoods somewhat revolve around our credit score. So as of XXXX ( today ) I filed another dispute for the same negative item with Equifax and my new confirmation number is XXXX. If something is wrong or incorrect, it can impact our lives tremendously. The negative item does not belong to me and is not my responsibility. I reached out to XXXX XXXX XXXX ( the debt collecting agency ) and they also said, there 's nothing they can do. I, honestly, do not know what I should do next, which is why I 'm reaching out the the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (OH).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: Lexis Nexis Consumer Center XXXX XXXX   XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Allied collection services was contacted by myself to resolve a debt account that has been settled in full with another collection agency ( XXXX XXXX XXXX XXXX ) but still remains delinquent on my credit report through Allied collection services. Allied is unwilling to update my account status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My identity was stolen on or around XXXX XXXX, XXXX. It was used to acquire a loan or furniture from XXXX in the amount of {$4500.00}. I attempted to work with XXXX to make them aware that the account was indeed fraudulent, but they refused my police report because I would not send them a copy of my credit report ( I did not want them to have my personal information in the first place, they are not a trustworthy company and I do not want them to have my personal information ). I then contacted XXXX and gave them the evidence that they asked for ; XXXX then deemed the account fraudulent and removed it from my report as did XXXX and XXXX. Ever since the fraudulent account was opened I have been harassed by XXXX, up until XXXX of XXXX when XXXX sold my account to a collection agency who has now begun to harass me. The collection agency, Procollect Inc, has now added a collections account to my credit report.

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 04-11-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems when you are unable to pay

Complaint: Lender reported to credit bureaus that my XXXX 2016 payment was greater than 30 days past due. This is inaccurate at XXXX 2016 had XXXX less day due to leap year. Payment due date was XXXX XXXX. Delinquency clock starts XXXX XXXX and the payment processed on XXXX XXXX - day XXXX. My credit score dropped XXXX points due to this inaccurate reporting. Spoke with the Lender and they suggested I dispute it with the credit bureaus - which I have done.

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 (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient claims there is a debt owed on the account that is due solely because of an unsubstantiated variable interest rate. When asked to review the account, Navient claimed they had the Ombudsman department do a full audit on the account, with calls regarding the alleged delinquency stopped until the resolution of the issue ; however, these action were never taken. Navient continued to call 20+ times ( excessive and abusive ) while the " investigation '' was underway. When asked to substantiate the conclusion of the report, Navient claimed there was no documentation to provide and the account was still delinquent. All requests to discuss with their Ombudsman department were denied and I was, instead redirected to a number of other departments. I have yet to receive answers or documentation from Navient, supporting their claim of an investigation regarding a past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient is reporting me as 90 days late on a student loan payment. This is incorrect because I was enrolled in school when they claim that a payment was due. I 'm a military veteran and I 've been attempting to apply for a VA Loan for 4 months and this erroneous information on my credit report is holding up the loan approval. I have transcripts that prove that I was in school and and payments should have been deferred until I graduated which did not happen until XX/XX/2015. I also have my student loans consolidated with the XXXX XXXX so I do n't understand why Navient continues to report this erroneous information on my credit report. I have attempted to speak with a Navient representative about this mistake and they are rude each time I call and refuse to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Checked my credit and saw this collection agency. I have not received anything about a debt. Please provide certified confirmation of delivery. And please provide license to do business in Illinois XXXX XXXX XXXX. it 's against the law to report unfairly on one 's credit report. Please delete this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage with XXXX was transferred to Freedom Mortgage in XXXX 2015. I made my XXXX Mortgage payment to XXXX and Freedom Mortgage will not recognize the payment even though I have provided proof and have called them every month ( they say they are investigating ) meanwhile they show me as 30 days late every month. I got the notice of transfer to Freedom after the XXXX payment.

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