milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2015 about Debt collection (I do not know) with Aargon Agency, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Have no idea what this debt is for, never heard from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Loan was delinquent. Ended up paying off the vehicle but vehicle is showing as charged off.

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 07/19/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Have lived in my home nearly 9 years. Mortgage company has contacted me recently to say that I live in a Special Flood Hazard Area and are requiring me to obtain flood insurance. My house has never been nor is currently in a flood hazard area. My home has n't moved during my tenure. When the mortgage company contacted me, they had already increased my escrow and began making payments for flood insurance from my escrow. Their letter said that I need to prove that I do n't live in a flood hazard area. I responded to them and insisted that THEY prove that I do. They have not responded nor have they reversed the money taken from my escrow account for the bogus claim of necessary insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Medical) with Senex Services Corp. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Health Insurance paid what they would pay for same service if doctor on network was usedI am filing a complaint because of the disrespectful attitude by XXXX who is an employee of Senex Services when I called to find out why their name came up on my credit file for an amount of {$120.00}. She asked me to spell my names which I did. When I asked of her name, she was hesitant and rude about it but later told me she was XXXX. However, she refused to tell me her last name. She was only interested in my making payment immediately for a debt that is suppose to go to XXXX ( my health insurance provider ). She was so rude that I was wondering if she was forced to be at work today. I wish she could play the tape to you as she claimed it was being taped. 
My health insurance has already made payment that they pay doctors on their network who render the same services. XXXX XXXX XXXX was given my health insurance card and if they decide to use a doctor out of network, then it is their fault. I should not be responsible for their negligence. 
The fact that SENEX has access to my credit file is not enough to hire employees that have no respect. They can not just go to someone 's file and begin to put lien to people credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX D.O.B- XXXX/XXXX/1974 SSN- *********** I have recently contacted via phone Experian regarding my credit report. There is inaccurate information, like credit limits, missed payments, accounts that do n't belong to me, and unauthorized inquires on my credit report. Experian has told me that they were going to fix it, but at this point they have not fixed anything, I have not received a copy of my credit report in the mail and I still have the negative and inaccurate information on my credit report which I have checked online. I recently tried to finance a car and I was denied because Experian has inaccurate information on 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 04-11-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: After conducting an in-depth review of our original loan documents and the conveyances of our home, we have found numerous discrepancies in violation of state & federal law. The documents used to convey or transfer our property are fraudulent as the individuals who signed and the companies that prepared them were the found guilty of fraud in other court cases throughout the United States. ( See : Attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The information for consumers about contacting credit bureaus is almost worthless because the XXXX bureaus are primarily using this avenue to sell credit monitoring services. For example, Experian will only offer a consumer credit monitoring services or a credit freeze/unfreeze if a consumer seeking a 7 year fraud alert telephones Experian at XXXX XXXX XXXX XXXX per the CFPB 's webpage at XXXX. Plus, the online process to obtain annual free credit reports does not work although this is the mechanism the credit bureaus use for consumers who want a credit report after their credit card is hacked if the consumer has not exhausted the free annual credit reports ; either a consumer must submit a complicated written request for the credit reports or find a " back door '' at each of the XXXX credit bureaus ( e.g., a " trial '' subscription to Experian 's " Report and FICO Score '' service, which was accessible to me online for {$1.00} even through Experian required lots of paper documents from me to obtain my free annual report ). 

Incidentally, my Experian report number was XXXX after my report of credit fraud, and my Experian " Report and FICO Score '' membership number was XXXX. I have attached screen prints of my experience with the XXXX major credit bureaus to document that the online process and the CFPB 's information for consumers does not work well for consumers seeking a fraud alert after their credit cards are used fraudulently. ( My report of identity theft to the FTC has reference number XXXX. ) Please try to improve this system for other consumers. Fortunately, I am okay. 

Sincerely, XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Around XXXX XXXX I stopped paying my mortgage because I was injured on the job. I was out of work for a year. I have returned to work. In XX/XX/XXXX I hired an attorney to help me with loan modification - have been denied at XXXX times with Wells Fargo - It 's been going on for 2 yrs - In XXXX XXXX I was denied -unable to create an affordable mortgage payment - then we reapplied XX/XX/XXXX again was denied unable to reduce the principal and interest payment by 10 % - then I reapplied again XXXX XXXX this time I used my brother in law as a contributor who lives with me to show additional income -again I was denied for HAMP for different reasons because I have reached the allowable number of modifications - why was n't I told this from the beginning from the previous denials -HAMP TIER 2 was denied because we are unable to modify your mortgage based on the result of the NPV however I went to the website XXXX I was found eligible. -In addition, they reduced the income that was submitted -I feel I am being treated unfairly and being discriminated - I am asking for your help - I want to save my home and I have been trying to workout out something with ASC and they seem to deny me for different reasons - HELP ME! please investigate this matter with ASC

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive repeated phone calls from Midland Credit ( XXXX ) at ALL hours of the day attempting to collect a debt that is not mine. I have read that Midland may be calling to resolve a debt owed by a relative of mine. While this may be the case, I do not have any joint credit with a relative that has ever been in default and do not want to continue to be harassed by Midland Credit for a debt that I was never a party to. 
Please issue a cease and desist order to Midland Credit from this unfair harassment practice immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I, like many others with student loans, was not able to handle my payments so I called Navient to help with this issue. They offered me the option of the " forbearance '' program which would allow you to not make any payments for a certain amount of time and then your payments would be reduced based off your income. Once the forbearance period was over, I would start paying again. I was not given any information that my principal loan amounts would accrue interest during this period time of forbearance. I was under the assumption that every thing had halted once I was in this forbearance period. Now thinking back on it, it makes me realize that this deal was way to good to be true. Nothing comes for free in this world, but I was not notified. I saw that the CFPB filed a lawsuit against Navient recently regarding this same issue of forbearance and posted about it on their website stating that " ... the Bureau believes that Navient steers many borrowers into forbearance, an option designed to let borrowers take a short break from making payments. But interest continues to add up during forbearance. Certain consumers with subsidized loans end up paying a heavy price because they could have potentially avoided those interest charges ... ..The Bureau believes that a large portion of these charges could have been avoided had Navient followed the law. '' I posted the link below. 
http : //www.consumerfinance.govXXXX I realize that this is still a pending lawsuit, but I wanted to make known to the CFPB that I was XXXX of those millions of students steered in the wrong direction trying to responsibly handle my outstanding debt. Please let me know what you need from me if anything. I am willing and happy to help with any documentation or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Payday loan) with Clear Debt Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid through debt consolidation and CDR Associates. They keep calling my work and will not listen to me stating that I have paid debt. They are threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My problem is that credit reporting is used by companies to gouge consumers when they first request a service. In my case a service provider that has a monopoly in my city. I have been do business with this company for over ten years when I first went through them I had a co-signer so this was not an issue. But even though I have been a loyal customer with an account in the black through this entire period. A representative of this company called me and informed that because I have no credit history as reported by one of these credit checking services ; meaning I have never taken out a line of credit nor do I have a mortgage type payment exc .... I also do n't have bad credit meaning I have never filed for bankruptcy or let any of those credit lines I never had go in to the red to many times. This representative used the words " we do n't count the history you have had with our business, because we use credit checks ''. So you see my issue is not how the report was used, even though I feel that only industries that report on your credit history should be able to utilize it. My issue is that by this process being a thing it is destroying the customer to service provider relationship. How am I supposed to build loyalty with the companies I do business with if they want to charge me XXXX % of my monthly income just because I do n't have a credit card? 
Disregard any bubbles that I selected in the first portion. you do n't get to choose what issues people have with the service you provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Credit decision / Underwriting

Complaint: my mortgage is own by Ocwen, i call and ask them to refinance my mortgage thru the HARP program they said that they can not do that, but can restructure my loan and that my payments would be {$440.00} for a trial period of 3 months, they said my payments would be about that after the trial period .they send me some papers to get noterise which i did the next phone call i receive from Ocwen was that they drop me from the program, they also told me that i would not have to pay XXXX month mortgage, then i received a next call that i owe 2 months of mortgage XXXX and XXXX of 2015 in the amount of {$1900.00} dollars, I ask them what happen to the payments that I was making every month they said they applied it to my mortgage. I call them and they said my escrow was short fall, i ask why wasnt i notify by Ocwen ar my ins.co or the city of XXXX they could not answer my question they told me i need to send them {$450.00} for the escrow short fall which i did and it clecr my bank account, all these transaction are being done by different associate at Ocwen, i was told to pay {$590.00} for the month of XXXX mortgage which i did and the cheque clear my account now i was told onXXXX/XXXX/15 to send a cheque for {$1400.00} for the months XXXX and XXXX, all i am doing is sending chequs to Ocwen and they are clearing my account a i getting no help from them i was told they have bad business wrateings with alot of their customers, my credit score are low because they report me to the credit bereaus. I WOULD LIKE SOMEONE YOUR OFFICE / AGENCY TO LOOK INTO OCWEN WAYS OF DOING BUSINESS WITH THEIR CLIENTS. THANKING YOU IN ADVANCE OF ANY HELP RENDER TO MYSELF AND OTHER CLIENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was given a loan payment amount that was above what I could afford. I advised as to what I could pay and they would not accept it, rather they suggested that I either defer my payment or get the income based repayment plan which put my payment at XXXX which means that interest is compounding which will make it impossible to pay back. I cant afford to pay them back and they provided information that is hurting me more than helping me. I even inquired about lowering the interest rate and I was told that could not happen. I will be in debt until I die due to the unwillingness of this company to be honest about the way payments, and options and billing are handled. They manipulate us by telling us that there is no other option available. I have XXXX children at home, XXXX that will XXXX in 2 years, so I will be trying to pay for his education along with paying for mine which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (FHA mortgage) with CITYWORTH MORTGAGE LLC (PA).
Issue: Closing on a mortgage

Complaint: I 've been working with the bank on a mortgage loan. We were supposed to close on  X/XX/2017    and they were unable to as they waited until the last minute to get things to the underwriter. We finally get everything else in, and the bank goes silent for days. I tried reaching the banker who was assisting me with no luck. Tried reaching every person who had called me from the bank, and literally no one would answer. I found   XXXX   XXXX   's contact information on their BBB portal, and gave him a call. He is the  manager , and advised that he did not know why we had n't closed as my file looked good and that he 'd try to expedite things for me. Now   XXXX   XXXX   also disappears and wo n't get back to me at all. I am at a LOST! I am on the verge of losing the contract on the home as the seller is worried that we wo n't be able to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Mortgage (FHA mortgage) with PRIMARY RESIDENTIAL MORTGAGE (FL).
Issue: Struggling to pay mortgage

Complaint: I worked for a foreclosure firm. After the hurricane all of the files at work was put on hold due to the hurricane so that mean i was put on a part-time basis and unable to pay my mortgage. I have a XXXX XXXX, XXXX XXXX they can differed your payment up to 12 months. So i contacted my mortgage company Primary Residential Mortgage they say since i was in the disaster area i can apply a forbearance worksheet and that would allow me to make a lesser payments until i get all the repairs fixed and return back work. The forbearance plan was expire on XX/XX/XXXX. I get Demand letter today XX/XX/XXXX from the mortgage company stating i owe {$15000.00} and I have until XX/XX/XXXX to fill out loss mitigation package. I contacted them to said that was not the plan. I need to know what should i do. HELP. I started a new job things are looking bright please help. I do not want to lose my home. My cell # XXXX. 

Thanks, 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 12-02-2015 about Bank account or service (Checking account) with U.S. BANCORP (OR).
Issue: Problems caused by my funds being low

Complaint: I have a checking account at US Bank in XXXX, Oregon. I live only on Social Security. I am XXXX years old and I forgot to record an automatic transaction from my checking account. I was then notified that I was overdrawn. I planned to take care of it as soon as possible but the bank accumulated late fees daily for 16 days and charged me {$600.00}. They new it would n't be covered until my next Social security was deposited but still tacked on unbelievable fees.. I explained the situation at my local bank and the manager would n't relieve these charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Goodyear CBNA reflects I opened an acct with them. This is fraudulent account. I never solicited them for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: I received a letter in the mail from Big Picture Loans stating I was pre-approved for a {$800.00} loan. I logged on and applied for the loan. Although a statement appeared stating this was a " very expensive way to borrow money '' before I clicked to accept, I was not able to view the interest rate or total payments due until after I had received the funds in my account.
Once the funds were received, I saw that the interest rate being charged was 637.9945 % bringing the interest owed to {$3800.00} in addition to the original {$800.00} borrowed.
In addition, the loan stated that it would be paid off in 20 payments. However, until I agreed I did n't realize they would be deducting two payments of {$230.00} each from my checking account, for a total of {$460.00} being deducted each month. This is creating a great hardship in paying my monthly bills, such as my rent, electricity, etc.
I have so far made three payments of {$230.00} each. The loan principal is untouched although I have paid {$690.00}. I have no problem paying the {$800.00} I owe, plus a reasonable amount of interest. But 637.9945 % or {$3800.00} for a {$800.00} loan is unconscionable.
I regret ever clicking on their website. I should have just thrown that offer in the trash and I urge others Do Not Do Business with this company. But they prey on people that are strapped for cash. And the full amounts were not disclosed until after the funds were received.
I would greatly appreciate any assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are fraud inquiries, fraud account and account with fraud charges reporting late payments on my credit report and I have tried to work this out with Equifax for the past 2 years now and have provided them with a police report and all the other information they requested and per The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) inaccurate information is reporting on my credit report and Equifax has not taken action to correct those issues. 









Dispute Confirmation # : XXXX Inquiries XXXX XXXX XXXX XXXX, XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Account XXXX XXXX/XXXX Fraudulent charges were made on my account.
Account XXXX XXXX/XXXX Fraudulent charges were made on my account.
Account XXXX XXXX XXXX/XXXX This is a fraudulent account, account opened by someone who stole my identity.
Account XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation