milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I woman of flesh have mailed certified letters to all 3 credit bureaus an collection agencies to remove all negativity off my record cause by constitutional laws I did not give authority for these 3 credit bureaus to establish no account an by record my custodian parents did not authorize either. I have ask twice to remove everything from my record an they have failed to do so..i have paperwork I sent an also RECORED calls to all 3 bureaus. So I 'm coming to you as a natural person not no US CITIZEN but original human to please clear my record clean an free from all neccesaties on my credit report making me drown in slave debt wen I 'm the bank an XXXX the debtor. So for the one 's who sold my information to these collection agencies to collect a debt is in fraud, defamation of character, identity theft. Amendment 14 is  powerful an the fakes agencies playing against laws so this will be my last time trying to fix this. 30 days from today of this complaint with no action I will proceed forward with federal law suit. Thank You, sincerely, XXXX 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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Credit Reporting Agencies continue to report XXXX Collections ( a debt from XXXX ) on my credit report for approx. {$190.00}. XXXX never verified the debt and it should hence be removed ty the CRAs. Thank you!

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 02/18/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had my house foreclosed by Pennymac back in XXXX. First this was a premature and WRONGFUL FORECLOSURE, however bank did not give me a chance to pay back or negotiate any repayment plan. Second my first date of default was on XXXX of XXXX and now it has been more than 7 years and account SHOULD NOT be reporting on my credit, however pennymac is still reporting it. My numerour attempts to contact them to resolve this issue went ignored .... 
PENNYMAC LOAN SERVICES L Account number XXXX .... 
Recent balance {$0.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Foreclosed. 
+ Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Type Mortgage Terms 30 Years On record until XXXX XXXX Credit limit or original amount {$940000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 
Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history guide

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: I had a checking and savings account with Bank of America. Both accounts were transferred to Bank of the Cascades automatically, without my doing anything, early in 2016, when XXXX took over some Bank of America accounts. The checking and savings accounts I had with Bank of America were free - NO FEES because I had a combined balance of over ten thousand dollars. But my the last Bank of America statement, just before the balances were transferred to the XXXX XXXX, Bank of America took {$10.00} from my savings and transferred {$42.00} instead of {$52.00}. I called Bank of America in XXXX 2016 to ask why, and during that call it was agreed the {$10.00} fee should not have been taken out and they would send me a check for {$10.00} to my mailing address - a PO box . They said the check should arrive by the first week in XXXX, by about XX/XX/XXXX16. It never came. So today XX/XX/XXXX16 I called XXXX to see if maybe it was sent to them or transferred into my account - it was not. I asked them to tell me who to call at Bank of America about this. They told me to call XXXX. I did, and a very snippy woman named XXXX said she sees the request on record for the {$10.00} to be sent to me but it was not sent to me because the bank employee who requested it did not have authorization to do it. She said only members of the " Transition Team '' can place those requests and she said the bank employee who made the request to send me my refund check " was not a member of the Transition team and never has been '' and she went on to try to chastise ME for not putting my request in with the right person. Keep in mind this woman can clearly see into my account history and she can see the issue was reported, that the money was taken and due to be refunded, but her only concern was to tell me I was at fault for not speaking to the right person in the right department. I told her if they would not send me a check I 'd report this issue for investigation with federal agencies, and her reply was to say, sure you can do that if you want - instead of offering to help me or instead of offering to correct the problem and sent me the {$10.00} check. Her attitude was that I put in my request for a refund with the wrong department so it 's my fault I did n't get the check and she had little more to say.

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 monetary relief
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Late Payments are reported on my Navient Account for months in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and in the year XX/XX/XXXX in XX/XX/XXXX. The entire time this account with another company and in forebearance for all ofXX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Navient bought this account in XX/XX/XXXX so  how they be reporting lates from XX/XX/XXXXand early XX/XX/XXXX? I asked the credit bureaus for verification as well as Navient and not response. 

This is an error and a violation of the FCRA. I have made every payment ontime to Navient since they took over. 

Please remove these erroneous late payments kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX, I was the victim of identity theft. Thieves stole my personal information and opened a credit account at a retailer ( XXXX ). Although XXXX cleared my account the hard inquiry still shows upon my credit report at Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2016 about Credit card () with DISCOVER BANK (TX).
Issue: Other

Complaint: I tried to apply for a Secured Credit Card with Discover. I decided to apply online and everything was fine until I got into the SSN ... I do not have a SSN from the SS administration but, I do have credit. Many of the credit bureaus have requested from me a letter from the SSN that I dont have an active SSN, ( I have this letter also ) so they are using my ITIN # and my Passport Number to verify my identity. This is not the first CC I have, I have XXXX with XXXX XXXX XXXX and XXXX with XXXX Bank. The reason for me to apply here is because I would like to diversify my credit by asking credit to other institutions. When their webpage forced me to enter a SSN I decided to open a chat ( which I can send you back as a transcript ) and talk to them on having an alternate method to verify my identity. I think I was discriminated as they denied to accept other document to verify my identity ( my passport for example ) even if I can prove from the SS Administration that I do n't have XXXX, basically they told me : if you do n't have a SSN you can not have credit. They told me this was just to verify my identity but, I think they would be able to do that by other ways, they just do n't want to. Please HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I have contacted CapitalOne customer service several times in the past several weeks from XX/XX/XXXX to current date. The company mentioned in my last chat session with XXXX XXXX that some customers did receive the end of year statement but I'm just one of the unfortunate that have not. All tax documents are to be completed and mailed by XX/XX/XXXX with mine still not processed or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Had a trial loan modification with Greentree in which payments were made. On XXXX/XXXX/15, Greentree sent Permanent Loan Modification document, which was due back by XXXX/XXXX/15. There was no mentioning that this document needed to be notarized. The only instructions were " To accept this offer and take advantage of this opportunity, you must sign and return the enclosed Agreement by XXXX/XXXX/15. '' The agreement was signed on XXXX/XXXX/15 and sent via regular mail to Greentree 's address at XXXX XXXX XXXX, XXXX, AZ. After sending back the signed modification, borrowers made a phone payment of the permanent loan modification amount on XXXX/XXXX/15 in the amount of {$1200.00}. The confirmation number was XXXX. Borrowers called back on XXXX/XXXX/15 to make the XXXX payment and Greentree said the loan was in foreclosure because the final loan modification documents were never received. Greentree has instructed the borrowers that they need to start the loan modification process all over. This is an abuse and we need help from the Consumer Financial Protection Bureau to enforce the permanent loan modification that we worked very hard to obtain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, I received a letter from my Select Portfolio Servicing dealing the events in regards to the loan servicing of my loan. What they indicated was as follows. My taxes were sold and were not paid because they felt it would be a loss etc. What they did not indicate is in XX/XX/XXXX I was in a active Special Unemployed Loan Modification and I faxed and spoke with them in regards to not being able to make my XXXX installment payment. Reason was it was a delay in my XXXX benefits on XXXX XXXX. According to the RESPA Guidelines Program for loan servicing amendments. The SPS was suppose to do any means possible to assist me in stating in my home. I did have a hardship and SPS failed to extend my hardship being unemployed per RESPA Guideline and additional 60 days which would be me at XXXX XXXX doing the time they received notice of my unemployed hardship, On XXXX XXXX why were my taxes sold when SPS new I was in a active modification and within my 60 day grace period for unemployed borrowers protection per RESPA loan servicing rules for Loan Servicing Guidelines for Unemployed borrowers. I was also in a active foreclose case filed in the United States District Court for the XXXX District of Illinois XXXX Division docket number XXXX XXXX which had never been dismissed when my taxes were not paid by SPS. As of today 's date the case still has not been dismissed against me. I was lead to believe that SPS was working with me since I was trying to save my home. My PI payment was {$870.00} per month and my Loan Mod payment was around {$1200.00} per month. Why that did not cover my taxes which would have protected me from loosing my home. I do n't understand the life of me. I was under the impression by entering into this modification I would be fully protected not to loose my home. SPS voluntarily to pay {$290.00} of escrows per my statement attached. However they failed to pay the other tax years. SPS has made a ERROR on the RESPA amendment to the loan servicing guideline that President Obama put inplace to assist borrowers like myself. Now I have lost my home. I have been talking with the tax buyer they are willing to sale me the home but their are no programs for me to be approved for a loan to buy my home back at this time. If SPS had not made the ERROR in the RESPA loan servicing. I would have still been able to save my home with all the great programs President Obama have to help borrowers like myself. Please see attach documents and assist by calling the tax buyer paying off my taxes per notice SPS received on a {$95000.00} federally related mortgage conventional loan that taxes were not paid because of the economy per SPS. That was no EXCUSE.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with fraud alerts or security freezes

Complaint: I am a victim of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 10/21/2017 about Debt collection (Medical debt) with Stallings Financial Group, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX {$190.00} has placed another collection account XXXX/XXXX/XXXX. I have not lived in Georgia since XXXX XXXX, XXXX. I am currently residing in XXXX XXXX, Nevada. I have informed them as of last week when I called to dispute another collection with them for XXXX XXXX/XXXX/XXXX from the same medical business. They are rude and refuse to listen to anything you have to say.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Credit card) with CITIBANK, N.A. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX dba XXXX, XXXXand XXXX harassed me and my family at work and home for 10 years. They claimed they bought a 15 year old Sears Citibank Master Card debt that belong to me. In 2008, after hardship during Hurricane XXXX, we file bankruptcy. So, this debt was discharge by Citibank. 

In XXXX, XXXX/XXXX sued me and corrupt civil court Judge XXXX ruled in their favor because I could not go to court because of work and my XXXX. 

They ignored my complaints of statue of limitation, bankruptcy filing and illegal predatory debt collection practices. 

Now, they have forced my job to garnished {$1400.00} per month on a debt that was discharged. After, the first garnishment, I have no means of paying for groceries, utilities, fuel, car notes, or emergencies. 

The initial debt was {$5000.00} and now it is {$8000.00} and counting.

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 11/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am having trouble repaying my XXXX student loans for my account XXXX. Due to economic hardship I have asked for an Income-Driven Repayment Plan and received an offer of {$180.00} on XXXX XXXX 2016. However, Fed Loan Servicing on XXXX XXXX, 2016 sent me an invoice in the amount of {$1300.00} which includes an amount past due of {$610.00} and a current payment of {$720.00}. Please note that for me it is a stretch for me to pay the Income-Driven Repayment Plan and received an offer of {$180.00} but I am willing to do the sacrifice. However, it would be a financial burden to pay the amount asked for on the invoice sent by Fed Loan Servicing on XXXX XXXX, 2016 in the amount of {$1300.00}. Furthermore, reneging on the Income-Driven Repayment Plan offer of {$180.00} and asking me now to pay the amount of {$1300.00} which includes an amount past due of {$610.00} and a current payment of {$720.00} would be detrimental to me. By reneging Fedloan Services does not take into account the fact that I have no discretionary income to pay my student loans according to XXXX XXXX XXXX XXXX. I have asked for a minimum before but the provider has sent collections notices as well as threats of garnishment. Likewise, I have asked for XXXX as I am a XXXX but I as ill advised by Fed Loan Servicing that I do not qualify even though I work in an XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.

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 12/19/2017 about Debt collection (Other debt) with Midwest Recovery Systems (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Company appeared on my credit XX/XX/XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account, I do n't even have an account number as I was notified of such alleged debt by credit monitoring companies sending me alerts of new information added. The company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social however She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the account they were attempting to collect on were mine as my social nor signature matched their files. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GLOBAL SOLUTION BIZ LLC. (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The third party company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for XXXX XXXX contacted my daughters cell phone in order to contact me for a Debt that over XXXX years old well exceeding the statue of limitations in XXXX of XXXX years. When I contacted them they threated by stating to sue for an amount triple of the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Pressler & Pressler took 100 % of the funds from the bank account of a friend who let me use their account XXXX years ago to cash my unemployment. They will not give his money back until her proves to them it is his money!! I have been unemployed for XXXX years, have no home or belongings. They sent me a notice back in XXXX 2015 that they were collecting the debt and I wrote back that I disputed it. No communication since then. Then they took the funds and when my friend asked the bank what happened, they gave him a copy of the writ. It looks fake. I contacted Pressler and Pressler and told them what they did was wrong, and they were evil. They said that they would not give back the funds until my friends proved it was their account. They requested 3 months of their bank statements and deposits. They supplied them and P & P still denied refunding their money. My friends have asked me to leave their home, in fear that P & P will go there next and try to take their belongings saying that they are mine and making them prove otherwise. This is just horrible and they need to stop. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation