milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX charge off 's I have disputed with both Experian and XXXX and they say they are verified but the XXXX companies have yet to verify it to me. XXXX did an investigation and deleted them both. XXXX is XXXX XXXX Charge off XXXX XXXX, XXXX & XXXX Charge off XXXX XXXX, XXXX. I have no idea what either of them are. I 'm pretty sure they are changing the dates to keep them on the report. It now says last updated XXXX XXXX, XXXX since I filed a dispute. prior to that it showed XXXX date opened. balance XXXX/XXXX/XXXX. They need to be deleted they are not mine. XXXX XXXX has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. XXXX XXXX continues to verify the account with the bureaus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 05/28/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The Dispute Number XXXX is for an Equifax case file. 
I have a bankruptcy, XXXX tax liens and a judgment listed on my Equifax credit file as a result of a business closing in 2009. My XXXX file also lists the bankruptcy and XXXX tax liens. None of the issues are on my XXXX file. The issue is that my former employers business debts, and taxes were added to my personal credit file after the business closed in 2009. I have tried unsuccessfully since 2009 to have the errors corrected. The XXXX ( California Tax department ) and original judgment creator ( XXXX XXXX XXXX ) have tried numerous times to reverse the errors on my behalf. I have contacted Equifax and XXXX by phone, fax and mail, sent copies of my bankruptcy filing, and released tax liens, and the only responses from the bureaus was that the information was verified that it belonged to me. I can not dispute that the information belongs to me as it is associated with my social security number, even though the company that I worked for was a California Corporation. My dispute is that the debts were attached to me personally in error, forcing me to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Medical) with AVANTE (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from ( supposedly ) from AvanteUSA claiming a debt of {$96000.00} from XXXX. I called XXXX and they have no idea where that amount came from - that the amount I owe is {$940.00}. That is not even the amount pending with the insurance. I tried to call the number on the letter I received but the call will not go through - it appears to be a fake number. ( This debt is for treatment for my husband, who passed away recently ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had outstanding checks with my bank, I paid the checks in full and closed the account. I sent the collection agency a letter from the bank stating such. They continued to say I owe the debt. I sent a cease and desist letter certified, and they are STILL contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been charged {$5.00} to unfreeze my account. Trans Union is not suppose to charge as I live in New Jersey. In NJ senior citizen and people who are identity theft victim are not suppose to pay. Trans Union website also says the same. 
The following are the description and transaction information : 1. Thursday XX/XX/XXXX, I requested unfreeze on my account so that XXXX can have my credit report before offering service at my home. My XXXX card has been charged {$5.00} 2. Friday XX/XX/XXXX, I requested unfreeze on my account so that XXXX XXXX XXXX can have my credit report before extending loan to buy the car. My XXXX card has been charged {$5.00}

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 01/16/2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (IN).
Issue: Struggling to pay mortgage

Complaint: I lost my job in XXXX 2017. I contacted Freedom Mortgage to request a forbearance in XX/XX/XXXX. In 15 years I have not had a late payment on any line of credit. I assumed this process would be fairly simple. 

I was sent a document file for " Loss-Mitigation ''. I contacted the company because I did n't believe it was the correct document. They assured me that I had to fill it out and return it. I continued to pay my mortgage through XX/XX/XXXX. In early XX/XX/XXXX I had still not received any word from Freedom Mortgage about the forbearance request. I submitted the " loss-mitigation '' packet as requested. They assured me that forbearance was a quick process and that they would get back to me in three days. I contacted them the following week ( the week of XX/XX/XXXX )  and they told me that they had not received several documents that were included in the packet. After some debate they were able to find them. I called later that week to check on status and they told me that I did n't need to submit the file for forbearance and that I would just file over the phone. I did, but four weeks later I have still not been granted the forbearance. 

I have had numerous calls with the company - every week, sometimes 2-3 times per week. I had credit near 780 when this started so was anxious to protect it. I called yesterday ( XX/XX/XXXX ) to see if an answer was reached and was assured that they would have an answer by today. When I called today ( XX/XX/XXXX ) I was told that the request was AGAIN filed incorrectly - my request for " modification '' was declined because I was missing paperwork. I stated again that I did not want a modification, only a forbearance. They again told me that this is a simple process and made me go through the request process again. I still have no answer. 

1. I have been assigned three different " Single Point ( s ) of Contact ''.

2. I have submitted expense detail, income detail, letters describing my termination of employment, bank statements, pay stubs and written requests for forbearance three times. 
3. I have been assured each time I call that the request was in process and near a decision, but it remains unanswered.

4. Every single request I have made for returned calls and/or emails have been ignored.

5. I am now receiving letters describing pending foreclosure action.

Quite simply, I believe I have been lied to by staff members at Freedom Mortgage.

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 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANCO POPULAR DE PUERTO RICO (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/XXXX, I applied for the XXXX XXXX Credit Card ( application ID XXXX ). Two weeks later, I had not seen a decision so I called and spoke a representative who requested me to upload my income verification for proof of income, which I did. The next day, I called and they advised they had not received it so I uploaded it on the website and emailed it to the email address provided. The rep verified receipt and advised an underwriter would decide in 2-3 days. On XXXX/XXXX/XXXX, over a month later after my application, to supervisor XXXX XXXX who advised that they still had not received my proof of income and that the application would be denied because of that, although the prior representative verified receipt and my document was uploaded on their website. It is completely appalling that a company can just string people along like this with no repercussions.

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 (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from Penn Credit Collection agency dated XXXX XXXX, XXXX. 
The letter saying I owed {$56.00} for a parking ticket ( XXXX ) from XXXX XXXX, XXXX to the city of XXXX. 

I had paid the ticket in full in XXXX XXXX to a collection agency called XXXX XXXX XXXX, XXXX with USPS money order ( receipt number XXXX ) in the amount of {$56.00}. 

The amount I paid in XXXX is {$56.00} is the same ticket number XXXX from XXXX XXXX. 

I am not sure why Penn Credit is trying to make me pay for a ticket I 've paid for almost three years ago in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have applied and issued a credit card two months ago with XXXX XXXX and until now my credit score runs as " no score available ''. My old address is even still being used by Transunion and XXXX when running my credit scores. Not having a credit score is making my life a nightmare here. When calling them, each of Transunion and XXXX would tell me that the update reporting has to be done by my bank facility which I then call and am being told they had already done the reporting. I am lost in the middle.

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 09-09-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AR).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing in reference to my history of payments and what is being reported or what is present on my statements, which contains a wide range of discrepancies according to my bank records and what is being reported. I am wanting to come to a resolution of the issues as they present and the continued calls on a monthly basis which was portrayed in the beginning as following BAC transfer back in XX/XX/XXXX and Nationstar Mortage, LLC stated that terms of my loan would not change. This is false and deceptive practice as according to my records and their records they are charging me unknown fees, taking more out of my escrow and can not explain where my escrow is placed I always seem to be short according to them. They are engaging in deceptive practices by calling me daily this month of XXXX and prior to that I was told that they were to cease all communication efforts, quite confusing and frustrating. I was current according to my records as of XX/XX/XXXX however they state on their records from XX/XX/XXXX report I was XXXX past due, then XX/XX/XXXX stating I was XXXX behind when in both months a payment was made XX/XX/XXXX of XXXX, XX/XX/XXXX XXXX with no reflection of where my difference was placed then your statement reflected on XX/XX/XXXX I was past due XXXX I then paid XXXX on XX/XX/XXXX which was to bring my account current, I am wanting some assistance in addressing this matter ASAP as I apparently am still in collection status which is not acceptable when a payment of XXXX was made in XXXX and no explanation of fees over the course of the time they have taken over my loan it was not a new loan but a transfer from XXXX XXXX XXXX and I have my statements from XXXX and transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Trans Union I sent out letters to Truns Union about charges off that do not belong to me come back unpaid bal some used the cards and the wrong name on the cards they will not take them off also my information was used by someone what I get from Trans Union the run around if keep up I will take legal action they do not keep up with laws and just gave me the run around. Also the accounts went to collection company they are being sued.

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 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (ME).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken. A proper investigation has yet to take place, if this complaint is closed without proper action being taken by your company. I will seek legal means to take action against your company through the judicial process. I have sent all paperwork necessary for a dispute with Experian, including an affidavit, police report, letter from the DA, and a cover letter on which accounts I was a victim of identity theft. I mailed them US priority mail, I have yet to get a response back. The police report and the letter from the DA verified that I have had numerous accounts that had been opened fraudulently while serving in the US Military. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable { {$2500.00} } per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. First I want to address the is the collection account XXXX from XXXX XXXX. Second I would like to address XXXX from XXXX XXXX XXXX XXXX This account was mine, however, I was never late! And, I paid it off. Please refer to my XXXX credit report that I have attached for verification. Third account # XXXX from XXXX FI. This was not me and is fraudulent. Fourth account # XXXX with XXXX XXXX This was not me as well. Fifth, account # XXXX that was originally with XXXX and now is with XXXX. Again, this is not me and I 've sent documentation from local law enforcement proving all of these were identity theft. Sixth is account # XXXX that was originally with XXXX XXXX XXXX XXXX XXXX A and now is with XXXX XXXX XXXX XXXX is account # XXXX that was originally with XXXX and is now with XXXX XXXX XXXX I have never even been to this place. Eighth is account # XXXX that was orignally with XXXX and is now with XXXX XXXX XXXX Again, I have never been to this place. Ninth is account number XXXX with XXXX XXXX. I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed and/or fixed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA.

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 03/23/2018 about Mortgage (Conventional home mortgage) with WEICHERT FINANCIAL SERVICES (PA).
Issue: Trouble during payment process

Complaint: We have been requesting the removal of PMI since our mortgage reached 80 % of the original value of our Mortgage. When we began requesting the removal of PMI Weichert sent us a package explaining the options for which PMI was to be removed. We followed the instructions and ordered an appraisal of our home, through Weichert. The appraisal came back and they still denied the removal of PMI. At 78 % of the original mortgage Weichert did not automatically remove our pmi pursuant to the package they originally sent to us. In XX/XX/XXXX which is the date our original amortization table shows we would be at 78 % for automatic removal and they did not remove it and we requested removal again. This time we received a letter dated XX/XX/XXXX requesting we pay additional principal payment of {$540.00} to bring the principle to 70 % of the original loan and pay for an appraisal through Weichert to have PMI considered for cancellation. This is a direct contradiction to the previously received packet that states : " First Mortgages secured by 1 family principal residences / 2nd homes Earlier of [ 1 ]  the date that the mortgage balance is first scheduled to reach 78 % of the orginal value of the property ( lower of purchase price or appraised value ) or ( 2 ) the first day of the month after the date that is the mid-point of the mortgage amortization period. '' I tried to contact Weichert direct by phone on the provided letters on  XX/XX/XXXX and spoke a customer service representative named XXXX. I informed her the letter I received contradicted what we received previously and would like to speak with someone in PMI department. She said a letter date XX/XX/XXXX stating that our PMI was being terminated, I confirmed with her that was the case. I inquired about a refund for PMI payments made after automatic termination was supposed to take place and she said everything will be explained in the letter. On XX/XX/XXXX I received my mortgage statement for XXXX and I was surprised to see a charge for PMI. I did not call Weichert yet as XXXX stated a PMI termination letter was sent on XX/XX/XXXX. Today XX/XX/XXXX I received a letter dated XX/XX/XXXX stating to qualify for PMI cancellation at this time I may either pay XXXX to bring down my principal to 70 % of my original value and order an appraisal through Weichert. Weichert has violated the Homeowner 's Protection Act and I have done as much due diligence to have them comply. I have never missed a payment and there are no payments in arrears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Late fee

Complaint: TJX Rewards ( TJ Maxx ) will only send the monthly statement if unpaid balance reaches over {$100.00}. 
This time, I bought for {$32.00} on XXXX XXXX, 2016 but I received the statement on XXXX. XXXX, 2016 and it shows for about {$60.00} as late fee in total of {$100.00}. 
It looks like to charge a late fee on the credit card statement is their policy, intensionally not sending a statement monthly. 
For me this is the second time, exactly same case happened, XX/XX/XXXX I paid about {$60.00} out of about {$41.00} purchase.

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 04-05-2017 about Debt collection (I do not know) with Collections Acquisition Company, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I searched XXXX for washer repair, had company come out to do repair, 2 days later same repair broke again..orginally wrote check out to XXXX as instructed by driver ... when trying to find company again i was unsuccessful..i continously searched for company so they could come back out to repair my machine again..no luck ... check my credit to see a collection from the company for check not clearing i informed them i have been looking high and low for orginal company ... original company never reached out to me via mail or phone in regards to debt. I never was given opportunity to correct or explain what issues i had debt was just placed on my credit without any form of communication..i have been trying to get employment and this same collection keeps coming up and its not fair that i wasnt told anything by orginal creditor ... contacted collection agency with resolution to just pay to delete because this is hendering me and they refused payment ... i dont think this is fair when i never was givrm an opportunity to correct issue at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient told me at XXXX point after i filed my bankruptcy that my balance was at a zero balance and discharged in bankruptcy and now they put it all back on and put it back into charge off this was a 2007 private loan and my federal loans have been approved for XXXX discharge and are now at a zero balance but the private loans will not approve me or let it go with my bankruptcy which i had to file XXXX and still no relief please help me

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MD).
Issue: Struggling to pay mortgage

Complaint: Lender/Servicer proceeded with foreclosure sale the day after denial and did not give borrower opportunity to appeal the decision.     An appeal was sent to the lender as well regarding violations of RESPA Regulation X  12 C.F.R. 1024.41 ( g )  ( h ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation