milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union has ignored my XXXX mailed disputes of fraudulent information on my credit report, when I complained here they responded with a non answer to my complaint and said I have not tried to dispute the fraud, They claim to have sent my credit report to my last reported address, I believe they sent it to the fraudulent address that recently appeared on my credit report. I have lived at the same address for 33 years. 
I have tried to use the phone numbers listed on their web site and the one given in the non response to my earlier complaint, when anyone will answer besides a very unhelpful robot they reach barely understandable people who apparently are trained to not help victims of fraudulent credit reporting. 
I have tried to use the web site but many years ago when I had a dial-up isp I set a secret question that asked my favorite car, that was many years ago I do not remember what I answered. I do remember trying to use the question what is your mothers middle name and being told the answer is not a word because it is only XXXX letters. I have tried to get them to reset this with only silence for a answer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt

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 05-02-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have requested proof of debt be sent to me and every since then this company continues to call me non stop. The are also in violation of the FCRA for not reporting this debt as disputed on my credit report. I DO NOT owe this debt. And this company still can not provide me proof. my social is XXXX date of birth XX/XX/XXXX. I will file a civil suit against your company if I have to so that my rights are protected as well as notify the media of your violations to see if any other consumers rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with Continental Central Credit, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been sent 6 requests for payment of what appears to be a time share. The statements are addressed to XXXX XXXX as owner and me as co owner. I do not know a XXXX XXXX and am not the owner or co owner of a property in XXXX XXXX of XXXX MA. I have received statemnts for past due amounts from XXXX and Contintal Central Credit of MA , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with Pinnacle Asset Management, LLC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Called claiming to be an investigator from pinnacle and left a message, claimed that they spoke with my ex wife, and if I did n't call back by the end of the day I would be facing litigation. Very aggressive and threatening. Claimed they sent certified information to my address but I 've been living in the same address for 11 years and I 've got zero certified information from anyone close to that name.

Company response to consumer: Untimely response
Consumer complaint received 02-10-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/XXXX my credit card was stolen and was used to make a fraudulent charge. I received notification of suspicious account activity from my credit card company and confirmed to them the charge was fraudulent. They refunded the fraudulent charge in a few days. XX/XX/XXXX the charge reappeared on my credit card. I contacted the credit card company about it and was told that they had concluded their internal investigation and deemed that the charge was valid. It has now been over 2 weeks since the charge reappeared on my card, and they have provided me no evidence to what led them to the incorrect conclusion that the charge was valid.

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 monetary relief
Consumer complaint received 07/26/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just called MIDWEST RECOVERY SYSTEMS located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX after I noticed this on my credit report. I called and they said they did not have the original creditor paperwork and that do not have to supply the loan paperwork until after ninety days. The debt they claim was incurred in XXXX XXXX. However, MIDWEST RECOVERY SYSTEMS said the debt was incurred in XXXX XXXX. After researching the original creditor XXXX XXXX XXXX is a scam and it seems MIDWEST RECOVERY SYSTEMS is part of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (IL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I moved from my apt in XXXX XXXX. I called Comed to cancel service to what they told me to wait for my final bill which never came. I have not received any bills and once i finally received that letter in the mail ( 2 days ago ) it said I had 30 days to dispute the validity of the debt ( needless to say I had no idea Comed sent me to collections until I got the letter and saw in my credit report ) I tried to settle and explained to both collection agency and comed that I will pay for the bill but I didnt pay an XXXX bill because I simply never received it. I do not know why I also explained I live in a rental property so the landlord might have taken the mail, I got ONE letter no phone calls no voicemails nothing and now I am trying to settle, pay them the XXXX bucks but they refuse to remove the debt from collections they were despreciative both credit collection and comed only because I am a XXXX woman with an accent they are XXXX and have no compassion please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The problem began in XXXX with XXXX XXXX. I left school and I was off traveling and the around the US and the world my loans became due. After 20 months of being gone and moving around, I finally forwarded my mail to my new address in California, where I currently reside. I really had n't used my credit for much at that point other than credit cards and those limits were low {$400.00} to {$700.00} dollars. I had some money troubles and went to get a loan and they said my credit was horrible. During this time I contacted XXXX to get on a payment plan and I said I would be able to pay XXXX to XXXX dollars a month and was told the company could n't do that. So they told me about deferment and I elected to go with that. Now my loans are with Navient and I am on my last deferment and in XXXX it is up. I have contact them a few times and I get the same answer. I would love to be paying on them but I just do not make enough to handle those payments. I currently have really low rates and does n't makes sense to me to restructure my loans at a different rate. If they would work with me I could start to pay more because my credit would get better and now expand my business.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My bank account was hijacked, my bank for my protection closed my account and card and send me new one. So my bank check my account and dispute XXXX transactions who was payment of my credit card. I contact my credit to make my regular payment and they told me that my account was closed due to payment issue so I made a payment right away and was told that my account will be reopen in fees days later. But nothing happen I send prove of account compromise letter send by my bank and follow up with credit card company who told me that the letter was never received this letter was send XXXX times and I just received a letter to the credit card companies who told me that I was too late and my account was send to collection. They just try to used they power to get more money on me after be a customer form more than 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Settlement process and costs

Complaint: I started my mortgage with XXXX XXXX XXXX. At the time of the mortgage, i had my taxes and insurance paid through the payment. When the file was transferred to OCWEN, for reason 's unknown, my taxes were not paid through my payments. Now, according to OCWEN, I owe about {$30000.00} or more on my mortgage. I filed chapter XXXX bankruptcy and moved it to a Chapter XXXX, which is now dismissed. I am in the process of modifying my loan with OCWEN, but I do n't really understand how my balance became so large, and how my payment became so large. I would like a full accounting of the loan from the time it was transferred to OCWEN to now.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is currently allowing the collection agency XXXX XXXX to report a collection account on my credit file as an open revolving account with a Late status. Its not listed in collections its listed under other accounts. This is a collection agency that has no right to report a debt as an open revolving account. I disputed with XXXX XXXX and they state to me that i must take the dispute up with the CRA reporting the account. This is incorrect reporting and should not be allowed by a collection agencies - its unlawul practices also They are reporting this alleged collection account with a past due balance It is reporting that I pay as agreed from XX/XX/XXXX-XX/XX/XXXX Marked it as a collection account XX/XX/XXXX then continued to report paid as agreed I never acknowledged this account nor have I given them a dime- this company has unlawful practices and EQUIFAX is reporting this account inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My problem is actually 2 fold, it involves a mortgage with Citibank, and Title to a property, actually 2 separate properties, in XX/XX/XXXX I mortgaged a home, there was lien that was not picked up, I later did a heloc, again lien was not picked up, ..foreclosure started with citibank 3 years ago, and still going on. when I found out about the lien, that was 3 years ago when the foreclosure started. I had asked Citi on several occasions, that I needed the copy of title and the closing docs ... at that time I also wanted to have his supervisor involved, in this, as I knew it was going to take many brains to wade through this mess. Finally in XX/XX/XXXX I found out who the title company was and I also found out that title include 2 homes not just one ... .so now, we have citi loaned monies on a title that was not correct and that had a lien on it ... .I contacted the title company explained the problem, was assured it would be taken care of ... .as XX/XX/XXXX nothing has been done, by XXXX dropping the ball, I now have legal actions against me, due to title not being correct, XXXX has not been in communications with me, and Citibank has made a mess, and the foreclosure is still going on ... and it involves people who should not in included in the foreclosure. So due to the incompetence of 2 companies, and their employees, there is such a mess and no one is stepping up to the plate to get it done and corrected ... .Citibank was made aware, 3 years ago, that there might be a problem with the title, and was told to make sure that title was correct ... as I explained, when I sold a home, I got a call from the title company for the buyer, they told me that Citi had a lien, I explained that the lien belonged to the other home, across the drive way, called the loan servicing dept at Citi to tell them there was a problem with title, got hung up on 5 times, called the loan officer, got a rep from Citi to call me, explained what was going on, got a call from the buyers title company, was told, it was all taken care of ... buyer closed, come to find out in XX/XX/XXXX when served with foreclosure papers ... title was not taken care of, he closed, have no clue how that happened, lien was never picked up ... .and we now have a mess that XXXX needs to fix, and Citi needs to fix, neither company wants to do their job

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 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to Equifax, Transunion. Experian to remove, till date nothing has been done. Transunion has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.

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 05-03-2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My monthly, 30 year fixed mortgage payment has gone up from {$860.00} to {$970.00} due to an increased amount going to escrow. A small part of that change has to do with an increase in insurance cost ( which is fine ) but the majority has to do with an increase in taxes. While taxes increases can happen, the amount of the increase is primarily due to Imortgage ( website : http : //www.imortgage.com/ ) using the valuation that was given to them from the leasing company and not the most recent appraisal value when giving me an estimated payment amount. In short, they used the valuation from when the previous owner bought the property to estimate my taxes, and since prices went up considerably in that time ( the previous owner bought the house at the bottom of the market in 2009 ). their estimation of my monthly payment is now drastically off. If they had given to me a more accurate estimate of payments based on the actual appraisal, I would never had bought the house ( it is an investment property ) because the costs would not justify the income. I believe what they did was intentionally deceptive in order to push the loan through. I can provide all details and documentation if requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX XXXX XX/XX/XXXX ... .. {$390.00} ... .Please send me original paperwork from parent company that I allegedly signed. 

XXXX , XXXX XX/XX/XXXX .... {$430.00} ... Please send me original paperwork from parent company that I allegedly signed ... 

XXXX XXXX XXXX ... .XX/XX/XXXX .... {$590.00} ... .Please send me original paperwork from parent company that I allegedly signed ... 

I contacted all of these agencies and asked for them to send me original paperwork from the parent company that I allegedly signed and they all said that is not the law and either I pay or they will take me to court. I replied, if you can send me the paperwork from the original company where i allegedly signed I will pay this debt. They all replied that's not the law and the don't have to do that ... .One of them even replied they were going to garnish my military XXXX check ... and told me to be prepared for a lawsuit. Then hung up on me. I served my country, I just want what is right. I am a XXXX Vet ( XXXX ) ... and all of this is beginning to be tough. Please remove all from my credit report Attached is copies of my Identification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2016 about Mortgage (VA mortgage) with LENDER LIVE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: " Lender live '' is the mortgage company for my rental home. On XXXX XXXX my home was damaged by vandalism. The insurance company covered the claim and sent a check made out to myself and the mortgage company. I endorsed the check and mailed the check certified mail to Lender live. Lender Live received the check on XXXX XXXX, 2016. I never received any correspondence from lender live. I called " lender live '' multiple times, and I finally reached them on XXXX XXXX. Lender live said I needed to send a " statement of loss '' from XXXX before they would respond to my request to release the check back to me. I faxed the statement of loss to lender live on XXXX XXXX. Lender live claimed that never received the fax. After many phone calls, " lender live '' found the fax and said that they needed to inspect the property, and I would hear from them in 7 to 10 days. Ten days passed and I never received correspondence from them. On XXXX XXXX, I called them again and spoke to customer service rep XXXX. XXXX said that the department that handles the checks, " loss and drafts '' requested more paperwork. I asked XXXX when lender live or their department called " loss and drafts '' were going to contact me about the more paperwork. XXXX said that " loss and drafts '' do not correspond with customers. I asked if I could call them. XXXX said no, they do not receive calls or send out calls. 
XXXX stated that she would send another message to " loss and drafts '' to request what was needed, but she did not know how or when I would hear back from them. From the start of the process I have never received any correspondence from lender live. Lender live has a department that is holding a {$21000.00} check. This department does not correspond with customers ; however requires correspondence with customers to release my check. This is an unfair practice to customers and is costing me {$1500.00} a month in lost rent since I am waiting for " lender live '' to releases my check. 

I filed a complaint with XXXX about Lender Live. Two days later I received a letter from lender live stating my mortgage had been transferred to a new mortgage company and I would have follow up with them concerning the insurance check.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Consumer Loan (Vehicle loan) with Mid-Atlantic Finance Co., Inc. (LA).
Issue: Taking out the loan or lease

Complaint: I went to a car dealer lot and got ripped off for XXXX the car and my down payment. I was in the process of buying a car back in 2011, and the dealer said he would shop around for a deal to finance the car. After having the car for XXXX I bought the car back to the dealer and at that time he said I have some one who will do the deal. I said never mind, and can I have my XXXX dollars back. OK, the deal is off. Canceled It.He said come back tomorrow and pick up the check for the down payment. I went back the next day and he was gone, I mean gone!!. The company he got to finance me called and said that I was approved. I told them I did not want the car and wanted the money back, she told that they had already sent the dealer the money for the car, I said I did not have the car or my money. So they told it was a done deal and that there was nothing I could do but make the payments.. I said make the payments on a car I do hot have. I will not! THIS HAS BEEN ON MY CREDIT REPORT EVER SINCE!! Late payments for the last 6 years. I have not been able to get credit in the last 6 years because of this. The company is Mid-Atlantic Finance in Florida, this wrong to do to somebody. The dealer should be put in Jail and Mid Atlantic. The way to resolve this is to give me back my money for the down payment and remove it from my credit. I did not make XXXX payment on the car, because I NEVER HAD THE CAR, THE DEALER LEFT TOWN AND LEFT ME WITH THE BILL. He Took my money and the bank 's money.. This is not fair and they should spend time in JAIL ...!! With years of late payments on my credit report. I have not been able to purchase a car or anything because this has held up my credit!

Company response to consumer: Closed with explanation