milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   about several inquiries that are on each  one  of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in  XXXX   XXXX  getting ready to move the following month I had no need to be shopping for a car in  XXXX , I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate o f  XXXX  I  have the RIGHT to request VERIFICATION of how they received information.  XXXX   XXXX  sent a letter back dated   XX/XX/17   stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in  XXXX   XXXX ,  Missouri.  I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract  XXXX  to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing m y credit score  to decrease and I want these inquires removed from all there reporting agencies 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 non-monetary relief
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with Norwich Commercial Group, Inc. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan currently held by XXXX, who purchased the Loan from Norcom. My mortgage has never been late and is consistently paid three months in advance, but the escrow is now in discrepancy for over {$1400.00}. Let it be known that insurance and taxes are figured into the monthly loan amount. 
XXXX bought the loan from Norcom taking it over XX/XX/XXXX. XX/XX/XXXX I received a check from XXXX for about {$240.00} for an overage in my escrow account. I did n't cash it because later that month I received a letter of demand from the town demanding payment for a year of unpaid property taxes ; there was an obvious error and I did not want to compound it. I got in touch with the town to confirm they had n't received the taxes and then contacted XXXX to resolve the issue. XXXX paid the town taxes. I then received a letter from XXXX stating that my escrow account has a shortage {$1200.00}. I contacted XXXX to dispute and was told that it was not their issue and I had to take the issue up with Norcom. I contacted Norcom and Norcom stated that they were not responsible because they had the loan serviced by XXXX for a short time, approximately a year. I am currently awaiting a response from XXXX. 
The facts are that I have faithfully kept my end of the deal and have also gone above and beyond by staying 3 months ahead of scheduled payment. The XXXX variables, property tax rate and insurance premiums, have been audited on a regular basis and my mortgage payments were adjusted to keep pace. For this discrepancy to occur my taxes would have to have doubled over the course of a year, they have not. It is striking that the amount that is in discrepancy is the same amount as the property tax payments that were never received by the town. XXXX, Norcom and XXXX have taken no responsibility to make sure all funds, that I have worked for and provided, were properly accounted for, transferred or distributed as they serviced and transferred my loan between themselves. They are now trying to force me to financially compensate for their error/errors.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Trouble during payment process

Complaint: I am currently in a chapter XXXX bankruptcy which was filed inXX/XX/XXXX. The mortgage on my home was sold to Bayview Loan Servicing inXX/XX/XXXX. The real estate taxes on my home are escrowed and should be paid by my mortgage company by XX/XX/XXXX, and XX/XX/XXXX each year so as not to incur late fees. As my documentation will show the taxes on my property were not paid until XX/XX/XXXX which caused a late fee of {$330.00} to be assessed. The taxes for the second half of XX/XX/XXXXwere paid on time. This year the first half tax bill was again paid late. The taxes were paid on XX/XX/XXXX, which again caused a late fee of {$330.00} to be assessed. I went to the XXXX County Treasurer 's office today to get a print out showing the taxes for my property for the second half have still not been paid and there is a late fee of {$330.00}. When my taxes were not paid correctly for the first half of XX/XX/XXXX I spoke with my attorney for my bankruptcy about the matter. He said it is not legal for a mortgage company to collect funds for an escrow account and not properly pay the items escrowed for on a timely basis. At that time I was concerned that other money was not properly being accounted for by Bayview Loan Servicing. My attorney requested from Bayview a complete accounting of my mortgage payments and escrow account. We still have not seen that paperwork. It is my desire that Bayview Loan Servicing be requires to provide me with a complete accounting of the funds collected from the bankruptcy court and show in detail how they are being applied.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (PA).
Issue: Problems when you are unable to pay

Complaint: Ally Financial, also known as GMAC Auto, was trying to contact me about an insufficient fund for a payment I had made them. Instead of trying to call me or wait for a response ( as I never got a call from them ), they somehow found the name and phone numbers of known associates ( friends/family ) of mine, called them and told them who they were ( Ally ) and was collecting a debt for me ( specifically said XXXX XXXX ) and then asked my friends to make a payment on my behalf. When my friends said no, they asked them for more of ways to get in touch with me and I 'm not sure who else they call. XXXX from Ally denies this happened. Ally also told my friend they were calling other people too. She left her phone # and extension with my friend. Sadly and most frighteningly, Ally knows my phone number and should not have been calling other people, telling them my business, and putting out my personal information like that - its unlawful, and goes against the FTC rules and regulations. I 'm not sure what other information they leaked about me, but it needs to come to end. And fast!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Payday loan, title loan, or personal loan (Title loan) with Westlake Services, LLC (NV).
Issue: Received a loan you didn't apply for

Complaint: ON XX/XX/XXXX sent a certified letter signed for on XX/XX/XXXX by a rep by wilshire letter stated I was disputing the alleged account/ charge off/ bad debt of {$4400.00} no respond and no dispute reported on credit reports next certified letter sent on XX/XX/XXXX, signed for on XX/XX/XXXX by rep from Wilshire, no respond to letter and no dispute on credit reports, send 3rd certified letter on XX/XX/XXXX signed for on XX/XX/XXXX by rep from Wilshire no respond from company and no dispute on credit reports. Wilshire did not respond in a timely manner and that they had not provided evidence that the account was mine. Please delete the incorrect information thank you for your help. XXXX XXXX my email is as followed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with STERLING INFOSYSTEMS INC (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: its shows a conviction on my credit report and I have not been convicted of any crimes

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received frequent calls from this company threatening to " serve me '' with documents for a debt they have not validated. They are violating FDCPA and FCRA with the threating phone calls. The company also does not identify themselves in the voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stuart-Lippman and Associates, Inc (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Account paid in full, debt collector does not want to confirm XXXX balance with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with Midwest Recovery Systems (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed on all XXXX of my credit reports that there is a collection from XXXX that i have no knowledge of, have never dealt with them before, and believe its due to an identity theft. I want this collection removed and to not report again or i will be seeking further action.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Medical) with Credit Clearing House of America, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I borrowed a loan from XXXX XXXX ( now Navient ) in 2008 for {$12000.00}. XXXX. When I signed the promissory note I was not given any information about my loan payments or additional charges I would receive. I have asked Navient several times to give me copies of my loan details and I have finally found the statement I received on X/XX/2008. The payment schedule and disclosure statement states that I borrowed {$12000.00} at a 10.605 % interest rate and was given a finance charge of {$29000.00}. It states that after I have made all of the payments I will have paid {$41000.00}. How is this fair?! This means that by the time I am finished making these scheduled payments, I will have paid back 3.5 times what I borrowed. If I had known this, I would have never agreed to this loan. I am working and have not been late on any payments but it is not right to be charged this much money. I have another loan with Navient where I borrowed {$12000.00} and was given a finance charge of about {$6000.00}. I do not understand how XXXX XXXX/Navient can get away with this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Application, originator, mortgage broker

Complaint: I went to a local Chase Bank, in XXXX to find out what I needed to do to surrender my XXXX property back to them. I had tried to sell the property when I got new orders to my next assignment in XXXX. Unfortunately, the housing market was extremely poor for sellers. Thankfully, I have had tenants. But, now 3 years ago, my mom 's health was steadily declining, so I retired back to XXXX to see after her. She passed away this past XXXX XXXX. My retirement pay had to supplement the XXXX mortgage, etc as well as take care of me here in XXXX. I tried to keep up, but the stress was mounting so I decided to give the XXXX property back to Chase. The bank got me a copy of the letter to surrender instructions. I followed it. I contacted my tenants, through my property manager XXXX XXXX XXXX, to vacate the property as of XXXX XXXX XXXX so that Chase would receive the property as of XXXX XXXX XXXX. I made it clear that I did not want any monies from Chase, even though the property was worth more than I owed. Chase has yet to receive the property. They are continuing to try to keep me connected with the property, overlooking their error. I am stressed and tired and disgusted. Please help Chase to honor what was originally sent me. I complied. I released my tenants. There is no rent. Up to the XX/XX/XXXX, I had the monies to pay the mortgage. As of XXXX XXXX, no rent to pay for a property, I in good faith, turned over to Chase bank. The original instructions gave no hint that anything else was required. Please help. My retirement pay is just barely enough to take care of me in XXXX. Please do n't let them harass or bully me. Thank you for any help and guidance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Other debt) with MERCANTILE ADJUSTMENT BUREAU, LLC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have 3 years of payments to XXXX " XXXX XXXX XXXX on time without any late fees and my final payment paid in full. I was never in debt and never owed XXXX anything that I did n't already pay. A debt collector by the name of Mercantile Adjustment Bureau has some how stolen my account number, full name, previous address as well as current address from XXXX and contacted me by mail stating that I owe XXXX dollars and after contacting XXXX no such debt was ever owed. This is not only a violation of the privacy policy of XXXX but also has affected my XXXX credit score which will be considered defamation of character. This is criminal and must be dealt with. Questions : 1. How did Mercantile Adjustment Bureau obtain my full name, current and previous address and the account number I have with XXXX? 2. If XXXX did n't place my account with Mercantile Adjustment Bureau then how do they have all of my information? 3. If XXXX is saying this is a fraudulent claim then how can I seek full legal action against Mercantile Adjustment Bureau for theft of personal information, harassment and defamation of character?

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax keeps me on hold for hours trying to get my report

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private student loan that I got from going to XXXX in Oregon. That school is now closed. I 'm not even sure that the degree I got is usable. I feel that I was manipulated into signing forms so that they could get paid. I was very young and I think they lied when I was signing these loan papers. I thought all student loans were federal at the time and would have a lot of repayment options. This is a private student loan and there are hardly any options for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've been repeatedly called and sent mail from this company stating I owe money to a bill I do not recognize that originated in 2001. I told them verbally that they have the wrong person and to please stop harassing me. Additionally, I 've asked them to take it off my credit report, which they refuse to do. 

I try very hard to take care of my credit rating and am upset that a debt from 14 years ago ( that is not mine ) has stayed on my report that long. Thank you for any assistance in clearing this up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (OK).
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: XXXX and XXXX  a is reporting Midwest Recovery and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect.

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 08/22/2016 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: On XX/XX/2016, I was approved for a {$600.00} payday loan from bigpictureloans.com after receiving a solicitation email from the company. I fully intended to pay back the loan amount, as well as the finance fee of {$210.00}, well before the first payment due date. 

As that date approached, however, I realized that i would not be able to pay off the amount in it 's entirety before the first due date. In an attempt to arrange a later payment in the full amount, I contacted the loan company and was told initially that I could pay 2 weeks later and still only owe a total of {$810.00}. 

Despite this, I was also told that I could not set up a manual payment for that amount, but would be charged the finance fee of {$210.00} on the first payment due date, and that this amount would not be reflected in principal. 

Later in the same phone call I was told that since I had not made a first payment, no late arrangement could be made. I was only given the option to pay early, which of course, I could not do. 

Since then every pay period, the loan company has attempted to write checks against my account, which has put me in dire financial straits. 

To date, I 've paid a total of {$420.00} in finance fees alone as I became aware later that I was being charged a 700 % interest rate on my loan agreement, the details of i can not access on the company website any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I made my mortgage payment to Ocwen Loan Servicing , LLC on XXXX XXXX, 2015 and it still has not been credited to my account. I have made numerous attempts to provide proof of the payment, but they will only accept a revolving bank statement as proof. My bank does not provide such a statement. I have sent them 3 months worth of bank statements so that they could trace my balances themselves if they think that I was somehow manipulating the data on the XXXX statement. I have also provided a copy of a screen shot of the payment that my bank provided to me when I went into the branch to get proof of the payment. They are extremely uncooperative and rude to me when I try to get this resolved. I have sent information to them on XXXX occasions and made XXXX phone calls and still it has been over 3 months and it is not resolved. This is affecting my credit and they keep charging me late fees and continue to make harrassing phone calls to my home. I just do not know what else I can do at this point. I have now had to contact an attorney for help in getting this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I do n't even know Equifax has refuse to give me my annual credit report, I called them too many time I got not respond, IN ORDER TO DISPUTE ACCOUNT I NEED MY COPY OF MY REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a released State Tax Lien reporting on my report in the amount of {$3700.00}, which I was never made aware a lien, issued an IRS Form XXXX ( XXXX  ) to tell me I had a lien nor a XXXX ( XXXX ) Release of Federal Tax Lien. This was reported in XX/XX/2016 and when I disputed the validity, it was marked released two months later -however it was not removed. XXXX and TransUnion are illegally reporting this State Tax Lien, after 3 dispute attempts.

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 05/18/2016 about Credit card () with Blitt and Gaines, P.C. (IL).
Issue: Other

Complaint: I received a credit card in XXXX it went to collections. In XXXX XXXX filed a small claims for XXXX but i never received notification to go to court. In XXXX they filed a nonwithholding wage deduction my employer. My employer sent it back and said i dont make enough to garnish. Now in XXXX they are sending garnishments to my work. No phone calls at home or letters just wage garnishments to my job. I called to settle for half but they will not budge on the amount and i need to pay XXXX. They are stating interest grows on this every month per the state of illinois. Is there a statue of limitation of this old debt. They told me to borrow money to pay off my debt.. ( I heard if you start paying on old bills that it will reopen and they can open case up and collect money. ) If i go into payment plan they want all my personnel information. How do i Know this is a legit company trying to collect debt after 15 years.

Company response to consumer: Closed with explanation