milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2017 about Debt collection (Other debt) with Professional Recovery Management (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: At the request of a horse owner, I called the  XXXX  out to a barn where I was assisting. I signed a form confirming that services were performed for the owner 's horse. I have never had an account with this provider, but the horse owner did. I have asked numerous times for them to show some proof that I am responsible for this debt, and never get a response. Obviously because I have never signed a contract with them or had an account with them. I want this removed from my credit report as it is not, nor has it ever been my responsibility. I did not own the horse, and was simply doing a favor for the owner. I can not get any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Collection is being reported that was paid to the original creditor. I have had no contact with the collection agency prior to the debt being paid to the creditor. They refuse to remove it from 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 non-monetary relief
Consumer complaint received 02/22/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My loans got sold to Navient from XXXX XXXX a few years ago. Dealing with Navient is very unpleasant. I have been trying to lower my monthly payment plan with Navient Solutions for well over 2 years now and as of today I am delinquent because Navient refuses to help. 
I have gotten wrong information from various representatives from this company. They provide wrong information so you are stuck paying the monthly rate they want you to pay. I never get anything emailed to my for confirmation even after they say it has been emailed. I get told paperwork needs to be done online and then I get told that no, paperwork needs to be mailed. This has been happening for a whole year. 

They put representatives on the line and threaten to sue those with language barriers if they dont collect the full amount the day they call. XXXX ( Employee ID : XXXX ) is the one making the threats against my mother. 

I immediately called that day to speak to a supervisor ( XXXX ) central standard time and I was told he was on a dinner break and will return my call. As of today, said supervisor is yet to call me. 

All I want is to lower my monthly payment so I can make this debt go away. I want them to investigate thoroughly how my account has been handled since XXXX XXXX sold it. 

The wrong information that was provided by various representatives from Navient Solutions has caused my interest rate to triple and my principal balance to double.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Auto) with ALLY FINANCIAL INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continuous calling back to back starting at the top of the hour. They would call around XXXX then again at XXXX. I was only3 days past due and paying on a Friday. I had my bill scheduled to pay then.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: My mortgage has been with XXXX XXXX XXXX for several years, I requested a mortgage modification with XXXX XXXX XXXX XXXX XXXX of which was in processing until the servicing was changed from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I resubmitted my modification request to XXXX of which it was in processing and my mortgage servicing changed again to Fay Servicing XXXX XXXX of which they are currently processing my mortgage modification request. We have received a property foreclosure notice from the foreclosure Attorney for our property XXXX XXXX. We received the property foreclosure XXXX the XXXX, XXXX. State of Tennessee require the homeowner must receive notice of property foreclosure sale 30 days prior to the sale date of which we a just receiving the notice. XXXX XXXX XXXX is refusing to work with us, they are intentionally trying not to assist us and foreclose on our property. Please Help!!!!!! See Attachment

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 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: Information belongs to someone else

Complaint: my personal information was used to obtain student loans and i had no knowlege my personal information was lost before however i did know unti last year that some one had been using my identity and its been crazy trying to proove im who i say i am ever since i need help getting these 4 accounts removed from my credit reports

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 11-04-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Transworld Systems Inc. mailed me a stack of supposed medical bills for services provided to my late wife. In an effort to hinder my efforts to resolve the matter they put an incorrect contact phone number on their notice. Their notice fails to provide even the most basic information to allow me to identify what service they say money is owed for. They just say i owe the money because they say so. On XXXX/XXXX/16 when I called they refused to tell me or send me any information because they claim they already sent it by guaranteed mail but refused to even answer the question about who 's signature was on their supposed guaranteed mail. I feel it is reasonable to assume that their claim of sending via guaranteed mail was a blatant lie based on their failure to even acknowledge that I asked who signed for their guaranteed mail. Finally, they repeatedly tried to interrupt me while I was in the middle of a sentence and then hung up on me because they claimed that I was talking over him.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Other debt) with ERC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX is illegally reporting a more recent status date of XX/XX/XXXX on a XXXX phone bill debt from XX/XX/XXXX to XXXX and XXXX. The debt is past the statute of limitations for collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Account has been satisfied XXXX 2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (GA).
Issue: Vehicle was damaged or destroyed the vehicle

Complaint: I took out a loan against my car title in the amount of {$800.00} with my local Titlemax because I am on XXXX XXXX XXXX and had some outstanding medical bills that needed to be paid. Well, I struggled and paid the minimum payment due each month ; once having to take out an additional loan amount in order to make the payment. About 8 months into the loan the car broke down and I had it towed a local mechanic. After a thorough inspection it was discovered the engine was blown. I incurred and paid a {$400.00} repair bill just to find out the repair was gon na cost about {$2000.00} dollars. Knowing I did n't have nor want to put that kind of money in that car, I immediately called Titlemax to inform them that they could just go pick up the car because I would no longer being paying on the title loan. At that point I had probably paid back close to the originall amount borrowed. Weeks later I get a call from the mechanic that no one ever came out to pick up the car and that I now owes him a grand in storage fees. He said I could sign the title over to him in lieu of the fees. Once again I contacted Titlemax and was given the number for their corporate office and was told to contact their office. After explaining the situation to the person at corporate I was told they did n't want the car but they could give me a reduced payoff amount and that once it was paid they would release the title and I could forward it to the shop. Since I had already paid the majority of the principal back I assumed they would drop the remaining interest and just charge me the remainder of the principal. I just about had XXXX XXXX when she said they would take a one-time payment in amount of XXXX dollars!!! I told her I was n't gon na pay that much and they could go pick the car up from the shop like I asked them to do in the first place. I had n't heard anything in month then I receive a letter in the mail asking for a payment. What legal actions if any should I take at this point to get them to write off the remainder of the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Application, originator, mortgage broker

Complaint: I have been working with Chase Bank, since XXXX 2015, in procuring a new mortgage for my home. My mortgage is currently with XXXX XXXX XXXX. My closing was targeted for XXXX XXXX, 2015, and the loan amount is {$100000.00}. It is now XXXX XXXX, and they continue to delay a YES or NO answer to me in regards to the Mortgage. In addition, they continue to contact XXXX for " payoff balances '' at a cost of {$30.00} each time, and my total due now is {$120.00}. They continue to advise they escalating the mortgage to their manager, which takes XXXX days, vs one week Underwriters, however, I do not receive a response, other than people are business, and they can not push their Underwriters. I have sent numerous emails to Chase, asking for the status on a YES or NO answer, and they continue to provide a run around, and continue to give me excuses which does not calculate to the real reason. All I am requesting is a YES or NO answer. I do feel Banks as Chase, give Banks a bad name, and adds to the reason why customers do not trust banks.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX and TransUnion are both reporting a public record on my credit file. On my XXXX they have the court listed for this public record as XXXX XXXX XXXX XXXX. First, I am not a resident of Connecticut nor have I ever lived there. Just to go through the process I contacted the court clerk at the court listed and they had no record of the published docket number as well as stated they do not report to the credit bureaus. When I asked XXXX where they received the information they stated that the court provided the information to the bureau and that was a lie. Transunion did not ever provide a court name for me to contact. Just as XXXX stated the court furnished this public record to the bureaus TransUnion is stating the same thing which is untrue because again no courts report to the bureaus. TransUnion does not even list a court name to contact, but as the clerk of the federal court stated NO FEDERAL COURTS OR ANY OTHER COURTS UNDER ANY CIRCUMSTANCE REPORTS TO ANY OF THE CREDIT BUREAUS.

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 02/22/2017 about Credit reporting () with Clarity Services (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I submitted detailed information asking the company to delete a credit inquiry from XXXX done on XX/XX/2015 and they sent a packet requesting more information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: They will not remove the BK even though it is n't mine and I 've provided information that proves this fact. I also provided the information directly to them from the clerk of court that the court system does not use a full social security number to identify cases. This information is incorrect and by law should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection correspondence from Dynamic Recovery Solutions indicating I owed {$2200.00} to them on behalf of XXXX XXXX XXXX from XXXX its states XXXX XXXX XXXX XXXX XXXX XXXX the current creditor. The current account # is XXXX, I dont know where this information is coming from, am unfamiliar with the debt and its not on my credit report, I 'm a federal employee whos information has been breached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Titan Receivables, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA , Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed a dispute for incorrect information on my credit report and outdated collection record

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 02-10-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing a second complaint on chexsystems cause i provided to them a copy of my police report and they have not removed the negative information reporting on my file. I have provided them with proof of the fraud and they have not even sent me a response.

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 12/14/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notice from XXXX XXXX stating that my taxes were delinquent on parcel # XXXX. Ditech Financial is financing this property ( Loan # XXXX ) and receiving an escrow payment from me to pay taxes and insurance. Ditech did not pay the taxes and after contacting the tax department they said that the account was not set up correctly and they would pay the late fee. I informed them that there would also be penalties and additional interest if not paid by XXXX/XXXX/2016. They said they would pay the interest and penalties within 3 weeks, and to check back after that. I checked back after the specified 3 weeks, on XXXX/XXXX/2016. I was told that it had not been paid yet but that it would be paid on XXXX/XXXX/2016 and to call back on XXXX/XXXX/2016. I called back on XXXX in the morning and was told that they could n't have paid it by XXXX. They could not tell me when it would be paid. I asked who I could speak to that would be able to answer my request. He told me he could transfer me to the supervisor. The phone he forwarded me to went immediately to voice mail, so I left a message. I also sent an email to a general Ditech customer service location. 
I did n't really want to file a complaint, so in desperation I attempted to call Ditech tax department to receive some sort of answer to my query. She could not give me even an approximate date of when the taxes might be paid. 
It is now the evening of XXXX and no one has contacted me so I am left to hoping that I might receive some response through this venue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have reached out to the credit bureaus about a car loan that is showing up on my credit report. I have contacted the creditor and submitted documents to them as well advising them that this was fraud and my identity was stolen. They have been cursing me out and hanging the phone up in my face. I need to have this {$20000.00} car loan taken off of my credit report immediately.

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 11-10-2016 about Debt collection (I do not know) with Midwest Recovery Systems (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midwest Recovery showed up as a collection account on my credit reports collecting for a company by the name of XXXX. Midwest reported this to the credit bureaus without validating the debt with me or giving me a chance to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (MS).
Issue: Problem with the payoff process at the end of the loan

Complaint: XXXX this was pay but they saying it was not pay but I know it was

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit reporting () with Credit Karma, Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have provided www.credit karma.com with correct XXXX and XXXX reports. They have deleted my files and refused to reopen report the corrected files. They have no telephone support and for several months have not corrected my credit files.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Received a notification from my credit monitoring service that this debt was placed on my credit report. Upon further investigation with them on the phone, I was advised that they were from XXXX. This issue has been a continued dispute with them spanning both XXXX and New York State Attorney General. XXXX engaged in deceiving practices and ripped us off concerning this account. XXXX refuses to discuss the issue with me concerning this and their representatives have done nothing but yelling. 

The collection agency has refused to engage me instead has resorted to just placing this on my credit file. This matter is in dispute with several consumer protection and government agencies. This company has never once given me the chance to inform them and dispute this debt and they have never reached out to me. They have violated the Fair Debt Collection Practices Act. 

In addition the company claims they were paid for the debt when I paid the creditor directly once they agreed to take care of the situation. As you can see they refuse to report a status on my credit report and instead state " NO STATUS '' and they claim it is for someone else in another state. 

I have enclosed 2 items, one is the printout from XXXX showing it on my credit report and the other is a letter they emailed to me about the payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (I do not know) with Jon Barry and Associates, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX just put a collection on my credit report without sending me a notice of the debt. If I had received a notice I would have paid it! I take very good care of my credit and monitor it daily. Im a veteran and make sure all my bills are paid.

I called them and advised them and offered to settle it but I want it removed since they did not follow procedure. They were very rude & hung up on me.

How is it ok for them to just whatever they want one someones credit report and then treat you badly when you call in to take care of it!

Company response to consumer: Closed with explanation