milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 CONSTANTLY CHECK MY CREDIT FILE NOW AND I LOOKED AT MY REPORT AND NOTICES A LOT OF ACCOUNTS THAT JUST POP UP ON MY CREDIT FILE ( WOW ) THESE ACCOUNT TRULY DO NOT BELONG TO ME I HAVE CONTACTED EXPERIAN IN REGARD TO THIS MATTER VIA CERTIFIED MAIL AS WELL AS NOTARIZED AND THEY STILL HAVE NOT DONE ANYTHING WOULD THIS HAVE TO DO WITH THE EXPERIAN BREACH? IF SO WHY WANT THEY HAVE SYMPATHY FOR THE CONSUMERS WHEN WE TELL THEM THE TRUTH THE CREDIT BUREAUS SUPPOSE TO PROTECT THE CONSUMERS EXPERIAN DO NOT DO ANYTHING AT ALL TO HELP THE CONSUMERS ALL IT TO THEM IS A MONEY MARKET

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 01/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen reports that I own them {$3400.00} in " Past Due Payments ''. History recorded below : INDYMAC sold my mortgage to Ocwen in XXXX 2014. INDYMAC told me to send my check to Ocwen, which I did on XXXX XXXX, 2014. Ocwen sends me my next statement dated XXXX XXXX, 2014, telling me my mortgage payment is due XXXX XXXX, 2014. I call Ocwen, and they just tell me the due date can not be negotiated, and that my next payment is due on that date. I sent a certified letter, no response. I tried several more times, but no response. I have been late ever since. There was no way I could turn another mortgage payment around in 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have tried to dispute my tax lien through the regular written letter credit bureau investigation process XXXX with no resolution or response. I included the document from the Georgia XXXX XXXX XXXX showing that it is satisfied and cancelled and the bureaus have n't properly investigated and deleted it from my reports. I have attached the letter again for you as well. They combined the accounts for XXXX and I and the receipts attached show they were paid. Please help. I look forward to quick resolution because these are impeding my ability to move forward financially.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Medical debt) with SECURITY CREDIT SYSTEMS INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2017 via return receipt I sent Security Credit Systems a letter asking them to verify a debt that was on my credit report of {$290.00} and a complete itemized accounting of this debt. Telling them if they could not provide this to delete this from my credit report. They sent a another bill for XXXX with o details of what constituted that amount. I then contacted XXXX via return receipt and asked them to remove this debt as Security Systems failed to verify what this debt was for. XXXX said they contacted them and the balance is being reported correctly, they did not address that it could it be validated with an itemized statement of services. I am asking you to please contact Security Credit Systems and XXXX and have them remove this debt from my credit report. Please see attached documents as proof of my case and requests. Also that the XXXX XXXX court requires in a ruling that itemized accounting is required to validate a debt. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with Security Credit Services, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: It was a account with XXXX XXXX. The account was transfer to Security Credit Service LLC. I was given XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX between XXXX which they stated that they was the owners of the account. They never stated that Security Credit Service purchased this account from XXXX. The manager at XXXX XXXX stated nothing would be reported unless it waspaidin XX/XX/XXXX. I paid account on XX/XX/XXXX on XXXX XXXX. The collections from dated on XX/XX/XXXX from security credit was sent on that day. I would like negative on credit to be deleted per XXXX XXXX agreement. Today XX/XX/XXXX received saying nothing will be removed. 


XXXXAssignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. 

If the notice was on XXXX paid on XX/XX/XXXX. They shouldn't be reporting debt. XXXX they had XXXX XXXX collecting without knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am writing because Portfolio Recovery is on my credit report as the responsible collector for an old cellular phone debt with XXXX. In my attempting to settle the debt with Portfolio Recovery, I requested that the initial debt along with the settlement agreement be put in writing and forwarded to me before payment is made. I was told the representative at Portfolio Recovery that the company could not provide me with proof of the debt in writing because of the state I live in. I am attempting to clear all debts and feel that I should not be forced to pay without receiving proof that they own they debt as well as the terms for settling the debt. I am requesting assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a bankruptcy judgment in 2014 and only XXXX is reporting it. I need equifax and XXXX to report bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Student loan (Private student loan) with AES/PHEAA (AZ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: For the last 24 months I have inquired with American Education Services ( AES ) in regards to lowering my monthly payment, applying for temporary hardship, as well as modifying my repayment plan. Prior to 24 months, my monthly payment was {$370.00} per month. This was manageable as I am a XXXX XXXX XXXX  Over the course of the past two years my loan payment has increased to {$480.00}, {$570.00} and now is {$890.00} per month. I have requested a temporary forebarnce as I am a full time XXXX student, and have been denied. I have missed payments and have requested assitance, and have been denied. AES has sent my account to collections in which payments collected were not applied to all of my loans in which six of my loans are now in default. AES collection agencies are aggressive and intimidating. I have continued to manage paying my monthly installment even if it is past due with little success. There is no support or assistance available to debtors from AES or its associates.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (HI).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan with Ocwen who took over from my previous lender. I have been paying my mortgage on regular basis. Now they are claiming they I owe them  XXXX . I asked them to let me know what months of the past they did not receive the mortgage payment. Instead they send me confusing statement in which they apply my most recent payment to months in the past going back  one to two years

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 02/17/2017 about Debt collection (I do not know) with ERC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't know what this debt is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-12-2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit XXXX sold or assigned the loan to a credit collection agency XXXX, and the loan was paid off in full on XX/XX/2016. We have a letter of satisfaction from XXXX ; however, XXXX is still showing a balance and a charge off. This needs to be cleared/updated. 
The same situation with XXXX, they sold the loan to XXXX and the loan was paid off in FULL on XX/XX/2016. We have a letter of satisfaction. This also needs to be cleared or updated from our credit. 
Please advise on how to get this done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with First Advantage LNS Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX / XXXX /17 I have tried to send a dispute letter to NCAC to the address which was on my credit profile which is   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX    TX. XXXX  for the amount of {$4300.00}. I have received the letter back stating undeliverable. They are reporting inaccurate and false information about me to the credit bureaus. I can send proof

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Student loan (Federal student loan servicing) with Allied Interstate LLC (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My direct loan is in default. Allied Interstate has my loan in collections and I have been making payments for 15 months. All of my payments have been applied to interest, fees & charges while no percentage of my payments have been applied to the principal. Allied is telling me that I can not rehabilitate my loan or ever get it out of default without settling in full. 

1. The guarantor still has my loan. I have repeatedly contacted my servicer and I tried to work out a rehabilitation, but they wo n't work w/ me. Allied Interstate is not operating with my best interest in mind. Why am I not getting other options? 
My loan is federally backed. Allied Interstate could cash this loan out at 100 % with the XXXX and get fully compensated. I could become eligible for an income based program if they did this. 
They could offer me rehabilitation. 

2. In XXXX, I should have been directed to sign a master promissory note of some sort, but where is the form with my signature? I have no record of consolidation. I was not properly informed and I do not remember signing a document for the consolidation that occurred in XXXX. 

3. On XXXX XXXX, I went into default. However, from XXXX XXXX, XXXX ( after rehabilitation ) through XXXX XXXX, I was not provided a new payment value so I had no way of knowing that I had a payment due. I should have been told I owed payment. 

4. In XXXX of XXXX, XXXX held hearings on the mismanagement of student loans. I understand this is a current hot political issue because it has big consequences in the lives of constituents. My creditor is not acting in the interest of me, the customer. XXXX is only applying my payments to interest and fees while my loan remains indefinitely in default. As a result, I can not go back to school, I can not buy a house, and I can not get a loan for a wedding ring while my loan is in default. My life has been crippled. 

.

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 12-12-2015 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Advertising and marketing

Complaint: I have XXXX account - I got the recommendation to apply for Chase Saphire card at there. Please refer to the attachment. Also I got one mail ( postal ) to apply for Chase Saphire card at there. That 's why I applied for it on XXXX XXXX, 2015. Come to know yesterday that it 's been declined. Worst than that-there is a hard inquiry on my credit report regarding this application. The reason given to me " Too many credit card accounts with us ''. Obviously Chase is paying XXXX to display these kind of advertisement and links to tempt the users to apply for that. More over why they are sending the mailers when they know that i will be denied for the card. Chase might say that situation changes over time etc ... but why to tempt the customer and XXXX up the credit report. It seems left hand does n't know what right hand is doing - their marketing team keep on sending mailers and advertisements just because economy is good without in consultation with card approval team.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Managing the loan or lease

Complaint: Auto finance company repossessed vehicle. Vehicle was not damaged before repossession. Vehicle had significant damage after repossession. Auto finance company submitted a claim on my insurance for damage caused by towing company. I have pictures from a few days before the repossession. Towing company also stole cash from Me. Bank filed false insurance claim and I believe that should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My husband is XXXX. He has XXXX and XXXX. We were granted a mortgage in XXXX with XXXX XXXX Loans. When we went for closing we were told that we would be able to keep our mineral rights and were made to sign them over to them. They then sold our account to CountryWide Home Loans. CountryWide was bought by Bank Of Ameria. 
XXXX of XXXX Bank of Ameria told us our hoas was in Forclosure Status and asked us if we wanted to keep our home. We told them we did and they advised us to fill out a lot of forms from the internet and fax them. Meanwhile the Bank of America representative that was assigned to our case, accepted a different position within their company and we were assigned a new representative. This representative said she never received any of the files that I had faxed and would I re-fax. I then received a call a few weeks later saying they never got the forms. I re-faxed and called to see if they received the forms and was informed that my representative had changed and leave a message for a call back. I left a m essage and the representative returned my call and said that the forms were received but I missed a couple of items on the form. She mailed me the forms to fill out and she highlighted the areas she said that were not filled in. I fixed the error and re-faxed them to her. A week later I received a call form another representative saying that it was too late for my case because I now owed too much on the loan for a modification. A couple of weeks later I received a call from another representative asking if I wanted to keep my house? I said yes. They started the process over from the beginning. They assigned us a new representative who calls and says we can appeal. We go ahead with the appeal process only to be told we were denied because of incomplete paper work. We then receive another phone call a few weeks later asking if we wanted an appeal? We said yes only to be told again that we were denied. This process continued until XXXX of XXXX. XXXX we were contacted again and told to fill out more paper work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have no knowledge of any accounts with XXXX XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good 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 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (DE).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On  XXXX ,  XXXX , I received a claim demand from Register of Wills for {$1900.00} from   XXXX   XXXX   XXXX   XXXX  . The alleged debt of {$1900.00} was a  JC Penney MasterCard a ccount owed to Synchrony bank. I contacted a representative (  XXXX   XXXX  ) of   XXXX   XXXX   XXXX   XXXX   who stated she could not dis cuss the JC Penney MasterCard  of  XXXX   XXXX   XXXX   XXXX  with me because  XXXX   XXXX  was the executor of her estate. I explained to the representative that I was co-administrator of  XXXX   XXXX   XXXX   XXXX  's estate. The representative refused to discuss t he JC Penney MasterCard  account with me until she received permission from the executor.  XXXX   XXXX  told the representative no, until I told the representative to tell  XXXX   XXXX  I had just received a claim demand from Register of Wills with listed as co-administrator.     I rejected the claim of  XXXX  from  XXXX   XXXX   XXXX   XXXX  because  XXXX   XXXX   XXXX   XXXX  had suffered from  XXXX  for several years, and survived Multiple   XXXX   for 18 years. My mother 's death certificate stated her primary cause of death was   XXXX   XXXX   and   XXXX   XXXX  . Her primary caretakers (  XXXX   XXXX  and  XXXX   XXXX  neglected her basis medical care until she changed her will.     I requested the  Synchrony Bank-JC Penney MasterCard  provide me with the original signed cardholder agreement and all credit receipts since the account was opened in  XXXX , when my mother was  XXXX   XXXX   XXXX  and di not qualify for credit life insurance.      XXXX   XXXX   XXXX  several unauthorized cash transactions of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  account after her death on  XXXX ,  XXXX   XXXX .  XXXX   XXXX  or  XXXX   XXXX  never had official Power of Attorney for  XXXX   XXXX   XXXX   XXXX . Consequently, if  XXXX   XXXX  or  XXXX   XXXX  signed any or all credit receipts using  XXXX   XXXX   XXXX   XXXX  's name, then their acti ons constitute credit card fraud and identity theft which is illegal under Federal and State bankin g laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/2015 I submitted a complaint against Santander Consumer USA in regards to overcharging me for an auto loan. There response was that the issue would be resolved within 60 days. It has been almost 1 year since then, and I have yet to be refunded any of the money I was overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (I do not know) with Alliant Capital Management LLC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Greetings, I have been receiving anonymous calls and voicemails with my personal information being left on public voicemails from XXXX and XXXX. The calls have averaged over XXXX a day. I called the XXXX number name of the point of contact : XXXX XXXX ; and someone named XXXX answered and asked for my name, then provided me with the last XXXX digits of my SSN without verifying my identify. I advised him he should verify my identify before providing the last XXXX digits of my SSN. He then said what would someone do with your name and last XXXX digit of my SSN and became irate. I ended the call by stating I will report him to the CFPB. I have never received any correspondence in the mail for a debt owed and if received and legitimate will pay the debt. 

They are in violation of the Fair Debt Collection Practices Act by not providing me their actual company name, address, and business licensing number. They refuse to mail any correspondence for the debt owed and this is against the law. I am unsure if this is a scam or identify theft ; but all claims have to be legitimized!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Credit line increase/decrease

Complaint: I paid off the balance of my Bank of America credit card right before a scheduled 10-day trip to XXXX, because I wanted to use the credit card for my purchases in XXXX. Just as I embarked on my travel, Bank of America reduced my credit limit by more than {$2000.00}, without any warning, and in the middle of my billing cycle. Bank of America deprived me of credit during my travel and they were totally indifferent to my appeals to them to restore my credit limit. As a result, I experienced a serious shortage of funds during my travel. I was traveling with my family during the time ; by taking away my credit, Bank of America did not merely inconvenience me -- they created a real crisis that endangered me and my family. 

I would not have paid off the balance on this credit card if I had known that they would take away the credit that I wanted to make available by a repayment. 

Bank of America did extend a " temporary authorization '' of {$500.00}, but this was wholly inadequate to pay for travel expenses during a 10-day trip to XXXX. I explained this to Bank of America and they were completely indifferent to the serious crisis that they inflicted by their credit reduction action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation