milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Debt collection (I do not know) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received multiple voice messages from Navy Federal Credit Union ( NFCU ) on my work phone line, presumably regarding a debt owed by someone who was previously assigned my number but no longer working at my company. I called NFCU twice, once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and explained my situation to their customer service representative. I gave them my phone number and requested it be removed from their system. This is a direct line used by no-one other than myself, and I am not, nor have I ever been, a NFCU customer. The first time the representative said my number was associated with multiple accounts, and he was unable to remove the number unless I was able to provide a name associated with one of those accounts. I have no idea who those people are, and he was unable to further help me with the situation. When I called the second time, the second representative was unable to find my number in their system and told me to wait until I was called again. 

My number : XXXX Incoming phone number as listed on caller ID : XXXX Call-back phone number in NFCU voicemail : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: This company has not answered my question in the least bit. I have supplied all the necessary information on the companies that have placed inquires on my report, they have refused, neglected to supply me with the documentation from these companies that they claim to have submitted to them ( Transunion, XXXX, XXXX ) to verified that their claims are true. Each time I request this information they keep brushing me off and just update these false claims on my report. I want proof of applications submitted by me to these companies for credit that way if there is any such documents then my information has been compromised. If they can not product documents to this effect not only do they need to remove their inquires but I need to file further claims because of the breach of my information. Also each time I file a complaint not only do not furnish proof of verification they just update the status of the item I am disputing.

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 09/20/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I provided an updated profit & loss statement to SLS via fax number XXXX and email address XXXXXXXXXXXX on XX/XX/2016, XX/XX/2016 and XX/XX/2016. 
I also confirmed with a SLS representative via phone that they were in receipt of the enclosed updated profit & loss statement that show my gross monthly income as follows from XX/XX/2016 thru XX/XX/2016. 
Gross Receipts XXXX TOTAL INCOME XXXX Expenses TOTAL EXPENSES XXXX Net Profit / Loss TOTAL INCOME : XXXX - TOTAL EXPENSES : XXXX = TOTAL MONTHLY NET PROFIT : XXXX Specialized Loan Servicing ( SLS ) violated loss mitigation procedures. SLS knowingly miscalculated my monthly income after being provided with updated financial information via email, phone and fax. SLS used the wrong profit & loss statement. 
SLS is concealing the fact they had my updated information prior to making a loan modification determination. SLS also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax on XX/XX/2016.

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Contacted transunion XXXX and transunion about a few inquiries that I did not authorize. Most came from when I purchased my car.But both of the companies told me to contact the companies individually, I have no relationship with any of these companies, and its their job to make sure everything on my report is correct and they have failed to do so even after I called to inform them.

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 03-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: We bought our house XXXX/XXXX/XXXX. The insurance renews on XXXX XXXX of each year. On XXXX/XXXX/XXXX, the insurance company received the annual payment from Ditech. Ditech did not insure the house for 25 days, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Ditech disbursed from our escrow account the annual insurance payment on XXXX/XXXX/XXXX. The money floated on Ditech 's books for 46 days.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with EXETER FINANCE CORP. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Exeter Finance Corp is reporting to all XXXX bureaus that I have a balance in the amount of {$11000.00}. However, this account has been sold to a collection agency months ago and they are stating that I only owe a balance of {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (I do not know) with URS Holding, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received a call from XXXX if United Recovery Systems on XXXX and XXXX between XXXX. The call was for someone else within the household. When it was told to the caller that that individual was not available I was asked several questions as to what time she is to be home. Give another number to contact her on. Who is this that I am speaking with. I offered to take a message by which I did. I did not volunteer no further information. Received the call again. The person of interest is not in. I presented with more question give me a time that she is due to come in. Guess what time you should be expecting them. You dont have a time frame ruffly. Did you give them the message I left on yesterday? Whatever the case may be as why this company is looking for this individual when the person is not available no one should be subject to that type of questioning unless its the police. I see that as harassment and would like for the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MD).
Issue: Trouble during payment process

Complaint: Going back to XX/XX/XXXX/XX/XX/XXXX when i was laid off from my job i went to Citimortgage for a modification for my main loan and my secondary loan, i asked them to modify them both and to combine them to assist me with being able to afford to keep my home. Citimortgage only modified the main loan, jumping to XXXX, the modification request i put in in XXXX they finally decided to work on without my knowledge, and thus stopped applying my payments to my account, yet my account has accured late fees of over {$100.00}. yet i have records showing that my payments that are due by the XXXX of each month, but no later than the XXXX where sent by my bank, just not applied to my account, by Citibanks choosing as they tried to process a decade old modification request. I never received any decision or notice to why they never approved or denied my modification for this loan in XXXX, yet now i am being penalized with late excessive late fees. At this point i am frustrated and dont know where to turn to make this right, it just appears i have no support in the federal government against unethical and possibly illegal mortgage companies. In XXXX after i turned my home to a rental property, Citimortgage sold the main loan to a company called greentree without my knowledge, so why i continued to send payment to citimortgage my alleged new account with XXXX became delinquent. by the time i fixed the issue, my loan was then sold again to XXXX. I first dont understand how loans that i am responsible for paying can be sold without me knowing or even agreeing to, but yet Citi kept the smaller loan and appears to be mismanaging it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Other

Complaint: American Express card company threatened me to sign a form that will give American Express authority to get my TAX Transcript form IRS directly. I always file joint tax return. Tax transcripts also show the Social security information of my family that I do not want to provide social security of my wife and of my children to American express. My family are not the account holder of American Express credit cards. Please advise American Express to verify my income through my XXXX / pay stubs, but not through Tax transcripts. American Express has sent me the email ( see below ) to sign the form XXXX. I am reluctant to provide unnecessary information of my wife and my children. I want to also notify that my whole record has been hacked as per OPM notification. American Express has threatened me if they do not get the signed XXXX by XXXX XXXX, 2015, they will close my credit cards and that will badly affect my credit report ( negatively ). In future, I will not be able to get a job because of such negative entries in my credit report. I pay the credit cards amount due on time. 
XXXX XXXXXXXXXXXX XXXX AttachmentsXXXX XXXX ( 1 day ago ) to me Office Hours : XXXX XXXX until XXXX XXXX ; Sat XXXX XXXX- XXXX XXXX ; Sun XXXX-XXXX, Eastern Time Office Number XXXX XXXX American Express recently requested that you complete and return a tax form called the XXXX in order to conduct a financial review. The XXXX authorizes American Express to retrieve tax information. We find the review process to be a necessary requirement in order to conduct our business in a prudent and successful manner. 



Detailed instructions on how to fill out the XXXX are attached, as well as in the American Express Fax Cover Sheet. In order to avoid closure of the account, it is critical that this information be completed correctly and faxed back to us within the deadline discussed by the American Express representative.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Over the course of th e last 4 to 5 years I have been disputing an account with Wells Fargo Bank Auto. Rece ntly I have disputed this account with all  XXXX  bureaus asking for validation/contract that bears my signature and personal information due to me have a fraud alert put on my reports  in 2013. This fraud alert was due to me finding that several cars were registered under my name in cities and states I never lived in from previous years prior to 2013, my wallet being stolen that bared me and my families ssn cards out of my house ( police repo  rt was submitted to bureaus ), and SC have a breach with the internal revenue system advising all residents to a fraud alert. Wells Fargo no the bureaus have provided me with any documents showing this account was valid and belonged to me. Please have removed immediately. From what I have seen in the last year Wells Fargo is not an accredited bank and has already been in the media for creating false accounts und er account holders names. The balance on the account shows as {$0.00} not sure if someone paid this account or not. Also this company has sent me some documents wanting me to send in the police reports but did not provide any documents showing that I had a signed contract with them.

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 01-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is ignoring my requests to investigate and remove accounts from my credit file that do not belong to me.

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 09/16/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Duplicate reporting of account and history by original creditor : XXXX XXXX XXXX and collection agency, original limit {$300.00}, did n't go over limit, collection agency showing now owe {$660.00} and orginal high was {$590.00}. XXXX XXXX XXXX shows c/o, w/o & sold on XX/XX/XXXX, but listed under negative accounts as closed and collection accounts, with history thru 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My Case number : XXXX. I submitted a complaint by in XXXX of this year. Since then we have been trying to do a loan Modification with Select Portfolio Services. We continue to submit documents and resubmitting. On 6 different times I have request the SPS send us the transfer of the Trust Deed for every time my loan has been sold. Twice in writing and 4 times on the phone. I have also request my complete payment history from the origination of the loan. Finally this week they sent me the payment history dating back about 3 years ( the loan was originated in 2007 with XXXX XXXX ). I have never received the Trust Deed or the complete payment history. Yesterday we were sent a notice that they were filing a notice of default and setting a sale date, and we thought we were negotiating for a loan modification. We ca n't understand how they can file a notice of default if they refuse to supply us with the required documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EZCORP, INC. (NV).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: I've went into a pawn shop to get a loan on an item I had. this pawn shop was familiar with the item from a previous time I receive a loan on the item.

About 3weeks to a month later I notice my information was released without my consent. I was really upset about that.. Seeing it caused all type of friction a XXXX XXXX and stress in my life that I did not need!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, Equifax Inc. announced " a cybersecurity incident potentially impacting approximately 143 million U.S. consumers '' and that " intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' On XX/XX/XXXX, I went to the Equifax website to check if I had been impacted. I entered my last name and last 6-digits of my SSN. I recieved the message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I was offered to enroll in XXXX XXXX XXXX, however I am concerned that doing so may weaken or limit my future legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a collection that I have disputed several times and I do not owe them a penny. I love right now in XXXX XXXX apartments. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX submitted a complete modification package to Ocwen ON XXXX-2017. Ocwen is refusing to review his file .Our office called the Ombudsman  department and they refused to look into the matter .there is no tangible reason why OCWEN is not reviewing the file .They are refusing to give a qualified homeowner the opportunity to say his home .XXXX XXXX feels as if he is being discriminated against based on his race, ethnicity, and national origin .Ocwen is sitting on a complete loan modification package. There is no reason for this type of negligence. By unreasonably and unnecessarily delaying his modification request, he continues to get farther and farther behind on his mortgage payments. Practically speaking, it can only be inferred that Ocwen is pushing him farther into delinquency and foreclosure. By Ocwen refusing to consider XXXX XXXX requests in a timely manner, they are negating any opportunity for him to save the home. They are denying him the workout request based on inaccurate information and refusing to take remedial steps to provide a him with a solution. The events described above are just a sample of the practices that are taking place at Ocwen. Ocwen appears to be more interested in foreclosing on his home and fire selling it at auction to make a profit. It appears that XXXX lack of participation in a meaningful modification review of his file indicates a preference to profit directly from XXXX XXXX hardships. 
XXXX XXXX is demanding the Ocwen review his file or he will file a complaint in district court.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Ive reached out to this company National Credit Systems about this matter mid XXXX 2017. The amount shown is {$1800.00} and {$500.00} totaling {$2300.00}. Under the new law effective XXXX XXXX, 2017, any public record data must include name and addresses as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law, National Credit Systems listed does not include this information and should be deleted from my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity has been stolen to multiple credit card accounts. I was not able to list all of them in the theft details. 1 ). There are total of XXXX credit card accounts opened in my name. 2 ). My boyfriend 's identity was stolen and he told me my name and information was on these stolen accounts of his, and they had all my information. This is what prompted me to look into my credit report. 3 ). I went and spoke with XXXX Police Departments and they told me they could not file the report until I have physical documentation from the credit card companies and credit bureaus. 4 ). I 'm currently trying to obtain as much information as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Due to the Equifax data breach, I went on their website and tried to freeze my credit Then, I tried freezing my credit on Equifax 's website but it does n't work, the page shows an error message. When I called Equifax, the agents ( XXXX, reference ID XXXX and XXXX, who refused to provide her information and was rude ), were n't able to freeze my credit and refused to provide me the phone number for Equifax in order to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have already filed for chapter XXXX back in XX/XX/XXXX or XX/XX/XXXX. I have attempted on a multitude of levels to pay Navient appropriately, but they have violated my financial well-being. They have reported horribly on my credit report, even after receiving payments from my cosigners and/or myself. I have explained my financial hardship, yet they have done everything possible to destroy my livelihood. I no longer speak to my family members, who are cosigners because of Navient 's abusive tactics. They have stated they would report good standing on my credit report after receiving payments from me but, failed to honor. They have harassed my family and I with threatening phone calls, even to the point of threatening my life.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony Bank, a debt collector for my Amazon.com Store card, initates calls outside of the XXXX - XXXX time frame, specifically on the weekends. I receive called on the weekends. I receive 4-5 calls daily.

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