milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: I have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I originally se nt 2 let ters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limitations has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under  FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was  verified and met FCRA requirements. I a sked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd par ty company as I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.

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 03/24/2015 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Indirect when I am asking what business matter is about then asks to verify personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03-03-2017 about Debt collection (Medical) with The Receivable Management Services Corporation (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was challenging a bill with my insurance company, XXXX XXXX, and had an escalation in place. I received a phone call stating that the " escalation had been resolved '' and the company was sending me a letter of resolution. However, I never received the letter, therefore I was unaware the insurance company had decided that my request to dismiss the charge was denied. I received no further communication from the company regarding this debt until I got a letter from a collections company 6 months later. I have contacted the insurance company about this issue and even though the representative confirmed that the resolution department had the wrong address on file, the billing department wo n't pull my debt from collects until I pay. All I want is my bill removed from collections, so it does n't negatively affect my 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 non-monetary relief
Consumer complaint received 11-03-2016 about Mortgage (Conventional fixed mortgage) with ARVEST BANK GROUP, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Re : Central Mortgage Company of XXXX XXXX, Arkansas, bought my mortgage from original lender. Despite industry practice and what they specifically state on their website, they have reviewed and changed monthly payment, purportedly resulting from a change in either tax or insurance escrow. They failed to correspond with my husband who had been given authority to do so with Central Mortgage, in writing. They have failed to provide the requested backup as documented evidence of so called reported changes. 
Additionally, a previous complaint was made by my husband. SeeXXXX. This was dismissed because XXXX stated a response that they were unable to respond to the complaint without authorization from the consumer, FALSE AND UNTRUE IN EVERY RESPECT. CFPB erroneously fell for that and apparently can do no further. I have attached a letter stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was making my student loan payments on time. My Father passed in XX/XX/XXXX. I notified Navient that my Father passed. I was in good standing with Navient. Upon hearing of my Father 's passing from me. Navient transferred my loan to a Collection Agency called XXXX. I made another call to Navient, asking them why my loan was transferred to XXXX. The Navient Representatives ( I talked to several CSR 's ) did not know why my loan was transferred, when they could see I made my payments, and said they can see in my account that my payments were on time. I called XXXX, and they said, I have no rights to talk to them about the Private Student Loan. And would not discuss the Private Student Loan with me. They sent a demand to the Estate Lawyer that they are collecting from my Father 's Estate. 
NAVIENT has been reporting to the credit agencies that I am late, They have now reported that I am in default.. I have been handed over to XXXX for full collection of the loan. During this past year, I have contacted Navient, and they would only say, that they would fix my credit when I showed them proof. I emailed them that proof on XX/XX/XXXX. They transferred my account to XXXX, which is collections in Navient as I understand it. In addition, Navient has transferred my loan to a company called XXXX. They are demanding {$12000.00}. This is more than was owed on the loan to begin with. 

With an open Estate the Courts rules " the personal representative should not pay any claims until after the time for filing claims has expired '' Furthermore, a " Notice of Rejection '' was sent to XXXX 's and they did not respond to the notice by the date specified in the notice to creditors, and according to Estate Court rules, Navient is forever barred from collecting the debt. ( G.S. 28A-19-3 )

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting a tax lien that has been paid and released since XX/XX/2014, and it is currently being reported as a negative item. This should have been removed because the information shows the release date of the lien! 
Both XXXX and XXXX have already updated my credit reports removing the tax lien that has been paid!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Unable to pay my student loans and Navient recommended forbearance but adds so much interest over the years making my acrutual borrowed amount over the years over XXXX and I did not borrow more than XXXX. When I am able to pay they will not work with me on a payment plan that works for my household income. Just unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am Currently applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( XXXX, XXXX, TransUnion ) display : 39-SERIOUS DELINQUENCY 18- NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on my 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 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resolve Partners, LLC (NC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received calls this company called Resolve Partners in XXXX NC I spoke to the male in the office he said so many harsh and unprofessional words to I asked to speck to his manger he said I could If I paid my freaking bill that I owe I tried to explain to him that I do n't owe this and that I applied for XXXX aprtments and I choose the other XXXX he said that I owe this amount and I better pay it. I reached out to my county court house and was told that it was a court hearing that I knew nothing about and that the judge only asked for the possession of the unit back not any money so I called the collection agency back and advised them of what I was told and offered to give them the proof that was given to me they declined and say you better off paying this we are n't going to remove from credit an they will do what they need to do to get this money and continued to call until I asked the attorney at my job to send them a letter and email and he did and they have stopped calling and he also sent them a letter to remove from my credit reports and they have continued to report me to all XXXX credit reports. I have never lived at this apartment complex and never had any utilities in my name there I choose my current apartment location instead and have proof and all my rental payments and utilities listed in my name. This company has given me so much stress and harassment and is ruining my credit. please, please please help me. Thanks in advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Due to some financial difficulty I requested from USAA Federal Savings Bank relief on paying my credit card ( USAA XXXX XXXX Card XXXX ) and was granted a two year reduce payment plan were I would pay every XXXX of the month {$170.00} so I can get caught up with bills and not file for bankruptcy. I made payment on time ( through auto draft on my checking account ) until around XXXX 2016 when there was a possible fraud on my checking account. I requested USAA to change the bank draft withdrawal from my USAA checking account to my XXXX XXXX checking account ( Please see attached Letters from USAA ). USAA then withdrew {$170.00} from USAA checking account on XXXX XXXX, 2016 putting my USAA checking account on overdraft. USAA have already made the automatic payment out of my XXXX XXXX account on XXXX XXXX, 2016. I called USAA to ask why it happened and I was told that due to the automatic nature of the draft it was not stopped in time. I asked USAA on how this can be solve and I was told they would cancel the auto draft out of my USAA account and keep the XXXX XXXX auto draft. I was also told that the payment for XXXX XXXX, 2016 would then be applied for the XXXX 2016 payment. I was out of town last week and when I got home yesterday ( XXXX ) I received a mail from USAA ( see attached mail ) that I would be terminated from the program and have to make a full payment of my balance ( over {$17000.00} ) when I called the USAA customer service number. It will be impossible for me to make the full payment. I was hoping that the payment plan would help me get some break will I pay off my obligations. Also, my USAA XXXX card have a feature of cash back that I have over {$1000.00} in cash back that could be applied toward my balance which as of now I can not access. I am not asking for forgiveness for the credit card debt, it is my obligation I just need time to make the payments. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with JH Portfolio Debt Equities, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i call XXXX telephone directory service cancel my advertizing from the directory they didnot cancel my add they try collect it i told them on phone and writen notice but now they hire collection agency to collect name is credit control llc. XXXX XXXX XXXX XXXX, MO XXXX and phone # XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: I received a letter from Target redcard. It asks me to activate my new card. I never received a new card and I have been trying for over an hour to get thru to them. ..and I do n't have the mins to sit and go thru the horrible automated system to report this missing card. I do not want to use the website and I have been trying to get thru to customer service and it just says I do n't recognize. I have a small balance on this card ... .wherever it is. I would like to make sure there are no fraudulent charges and let them know this new card is missing. I obviously do n't have the new card number but I listed the old one in this complaint. And why is it I have to wait for what feels like days to fix this issue. I cant read the numbers on the back of the card the font is so small ... and the letter asking me to activate my new card ( which I do n't have ) has a phone number that is ridiculously hard to see or navigate within.. I do n't want to sign into the site online. I want to talk to a person. There is n't even a date on this letter. As far as the amount lost?. I do n't know if someone has used it or not. I do n't have the card number. So stupid. Please help. I am tired of helping XXXX make money cuz I have to call some customer service line and hold and hold forever. ( this happens with many of the companies I deal with )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: This is my 2nd complaint against ocwen loan servicing. First compliant # XXXX. 
Since the initial compliant I've been inundated with request for duplicate documents. This has been going on for almost a year. Now i received a letter stating i have a new account manager and he is requesting all the same paperwork already submitted months ago! I'm attaching my most recent email to him explaining EXACTLY whats been happening. Now instead of ocwen calling me, like they've always done, now they are calling my boyfriend 's phone leaving messages in XXXX! I've never come across a company with such less than competence and willingness to work with people of all ages, backgrounds, situations and income statuses. All I'm trying to accomplish is reformatting the mortgage to be able to make monthly payments and also to pay back the money i owe. I'm begging a company to work with me and take my payments and i still have no success with ocwen loan servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
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: There was a collection account of  XXXX  reported by collection company by the name of receivables performance on behalf of  XXXX   XXXX  to all  XXXX  credit bureaus,  XXXX   &    XXXX   removed the collection account, because I did n't owe it and it was n't validated by the collection agency, for that reason. Experian refused to remove it after I sent a letter as I did with to the other  XXXX  credit bureaus explaining I did not owe it and they needed to validate it, Experian told me to go back to the collection company to have them remove it, after several calls to the college agency, it has not been removed. And call after call to Experian still refusing to remove it.

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 09/18/2016 about Bank account or service (Other bank product/service) with WESTERN UNION COMPANY, THE (VA).
Issue: Making/receiving payments, sending money

Complaint: On Thursday, XX/XX/2016 I made money transfer in the amount of {$500.00} through the Western Union wire. For some reason, the wire was placed on hold but the funds were still removed from my account. When the receiver when to pick up the funds from Western Union, they were told I needed to provide identification via facsimile. I felt this was a phishing expedition as I have never had to do this before using their services and sending it to this receiver. Each time I call Western Union to cancel, I am told I need to provide documentation or identification, I informed my bank and they are dumbfounded suggesting that I work with Western Union. Western Union is indicating this is a government requirement to have the sender to provide identification, the MTCN # is XXXX. There is a huge language barrier from each individual that I speak with regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (I do not know) with COAST PROFESSIONAL INC (ID).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling at work and continue to call even after I have told them not to. They ask for personnel information, before they will tell me who they are or what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Balance transfer

Complaint: Good afternoon, I recently made two balance transfers to my Bank of America World MasterCard in XX/XX/XXXX. I received a special offer for 0 % interest through XX/XX/XXXX in a direct mail offer which also referred me to the website to complete the balance transfer. I completed the transfers online after selecting the offer of 0 % through XX/XX/XXXX. Upon receiving my most recent statement, I recognized that the balance transfers are not reflected under any special promotion. The transfers are under terms for a 14.99 % APR. I contacted BOA at XXXX. I was told by the Representative that there were no special offers associated with my account and that there had not been in over one year. I told him that I never would have transferred balances to a card with at 14.99 % APR. I shared that I felt this was a deceptive practice and a UDAAP violation. I told him I felt like I had been tricked into transferring balances to BOA with the understanding of a 0 % APR until XXXX and am now incurring an interest fee of {$120.00} per month. He said there was no promotion offered and there was nothing he could do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This is a strange complaint that did n't completely fit into the categories noted. I finalized a difficult divorce on XX/XX/XXXX. As part of the divorce I agreed to pay for a {$25000.00} debt to a credit card company.
<P/>
On XX/XX/XXXX I contacted the credit card company several times. I asked about setting up a payment plan to address this debt. I also wanted to get this debt resolved as I have three pending Parent Plus loans for a set of triplets ( going to three different colleges ). The U.S. Department of Education had declined me for the loans until I could set-up a payment plan for this one company. <P/>On XX/XX/XXXX when I talked with three different representatives, they told me that they could not talk to me about a payment plan as I was at " day 159 '' and had to wait until XX/XX/XXXXwhen I was at " day 180 ''. I have no idea what this means except maybe they are going to charge me more money on " day 180 ''? My credit is damaged from this, and they will not assist me at all. I even asked for a letter on company letterhead to send to the U.S. Department of Education/Financial Aid folks - and the credit card company has refused.
<P/>I am now a single parent, and my credit is damaged and my XXXX 's college loans are being held up due to this company. I 've never heard of anything like this happening. And, I 've been a client of the company for over 20 years. <P/>I need some help as my kids college has to be funded by the end of XX/XX/XXXX. As I told the credit card company, I was much happier to be making payments to them to take care of the debt versus having to start making large college tuition payments. <P/>Please help me with this situation.

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