milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I keep receiving letters from XXXX XXXX XXXX, XXXX regarding a bridge toll violation. The letter indicates the violation was made by a car with Arizona license plates with the number XXXX. THIS IS NOT MY CAR. I live in California and I have never driven a car that has AZ license plates and I do not know anyone who is from Arizona.

This agency is threatening to collect a {$75.00} fee by going through the California State Franchise Tax Board. 

I have called this company thrice to explain that they are pursuing the wrong person for this violation. They have assured me that they will take care of it and I was told all three times to disregard the notice. Well, today I got a fourth notice! 

Today I attempted to call this collection agency a fourth time. This time the automated system asked me to enter my account number and my zip code and then the automated system says they have no record of this account number. When I attempted to use the automated system to reach a human being I got a rapid busy signal and then the line went dead. I tried three times before giving up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OR).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have a Chase credit card with a limit of {$1500.00}. I've been making good strides to make big payments and trying to pay off the debt. I have received 12 envelopes in the mail in the last two months containing blank checks to transfer balances to the account I have been paying off. I called the company to ask for these mailings to stop and they said that it would take up to 90 days for the marketing mailings to stop being delivered to my house. I asked for marketing emails to stop and they said it would take up to 10 days for it to stop. For 90 days I have to worry about if someone will steal my mail and use the blank checks for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: i XXXX is now doing this to help clear up my credit with this company call transunion consummer relations they send me a letter out telling me i was credit was denial now i want to have it recheck by some other company and have this company remove off the list of people that keep trying to stop me from getting my credit clear up theu have been doing this for over 7 years now and i am about to get mad over this now it is about time to put a stop to people that do not want others to get head in the world now hope you can see to help me get this done to stop company that do this to other people now thank you XXXXXXXXXXXX

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 06/25/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent Midland Funding a certified letter on XX/XX/XXXX stating this debt is disputed, and I requested validation bearing my signature that I am contractually obligated to pay them. I stated to them, if they could not provide me this information within 30 days of receipt of this letter, they must request that all credit reporting agencies delete the entry as per FDCPA 807 [ 15 USC 1962e ]. I also sent a follow up letter on XX/XX/XXXX. As of today XX/XX/XXXX they have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AK).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Navient took over my student loan from XX/XX/XXXX in XX/XX/XXXX right in the middle of a lawsuit i was a third party beneficiary in.

We won that lawsuit and settled out of court. It is a conflict of my best interest to have them mess my life up any more with their unscrupulous business practices.

I have requested in writing a copy of chain of title and they are up to their own XXXX ways again and not responding to my letters and request for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have tried numerous times to have my creditors review and update my credit information to no avail. I printed out all XXXX credit bureaus, credit reports and I 've also sent the disputes trying to update all my information and as of now my credit report is still the same I paid off all of my credit cards with revolving interest and the majority of my accounts with a large balance and I still have a low score. I 'm currently in the process of purchasing a home but I can not purchase my home with my credit score being so low. I sold my previous home in order to pay off all pending loans and credit card balances and no change as of yet. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed an online dispute for inquiries on my credit report. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. None of these fits this requirement. Opened dispute on XX/XX/XXXX and received a response on XX/XX/XXXX that each and everyone was a factual record of file access. That is the problem file access by companies that do not meet the guidelines and no information from Equifax showing how they validated each and every one of them. I would like to have these removed and Equifax needs to know that spending 2-3 days on a response would not allow for anyone to do any kind of research or proper validation against the rules and regulations stated in the FCRA. I look forward to your assistance in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Student loan (Private student loan) with AES/PHEAA (CO).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: On XXXX XXXX, XXXX I called AES To discuss repayment options on my private student loan. Originally my student loans were through XXXX, and chase sold it to AES a few years ago. 
On one of the student loans the monthly repayment is {$350.00}. On the second student loan through them The repayment amount is {$340.00}. I have been trying to work with them before in the past and they offered me {$360.00} for six months and XXXX for the other six months. I recently finished paying the year repayment plan that they offered me and starting in XXXX my payment will be almost {$700.00} a month. I tried explaining to them that I am unable to make this payment and that it is very unaffordable for me. I am a single mother with a XXXX XXXX and a one income household. When I was talking to them today on XXXX XXXX, XXXX I was calling in regards to a payment options as in ways of lowering my monthly payment to a more affordable one, forbearance and deferment options as well. Their response was that I am not eligible for any programs and I would have to pay my student loan payments in full. Since I have been in repayment status with the student loan I have faithfully made all of my payments, although there was one incident where I was behind on my payment but I did make that payment as soon as I had the funds to do so. I am really trying to do all of the right things to avoid default, but in all honesty a payment of {$700.00} a month is just unrealistic with my life situation right now. This year has definitely been a stressful one, my daughter XXXX XXXX XXXX in XXXX and my hours at work have been shorter than they normally would ever since, going to doctor appointments and XXXX follow ups. I dont have anyone else to help me. I was barely able to make the payments of {$490.00} a month. If I have to pay {$700.00} a month for a student loan there would be no way my daughter and I would be able to live. We would probably end up homeless in all honesty. I really need help lowering my payment to something I can afford. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: SLS took over as loan servicing for our HELOC in XX/XX/XXXX.  This is our second complaint with them.  To date, they have not resolved this situation and in fact the situation has gotten even worse.  After going through all payments, I discovered that the account number was off by one.  I forwarded the information to them, as they have accepted payment anyway, corrected the account number on our bill pay service and have been submitting payments under the corrected account number.  They have since refunded all monies submitted under that number.  I also sent all documentation into the company per the previous complaint and they have taken no action or been in communication since their initial response letting me know that hey had received my correspondence.
I request that this gets handled immediate, that all funds that I have paid to them be credited to my account and all future payments be credited immediately to my account.  I also expect that nothing will be reported derogatorily to the credit agencies regarding this matter.

Here is a copy of the latest e-mail that I have sent to them, without any resolution to this matter that was sent to them on XX/XX/XXXX

Cc: XXXX XXXX 
Content-Type: multipart/mixed; boundary="XXXX"

--XXXX 
Content-Type: multipart/alternative; boundary="XXXX"

--XXXX
Content-Type: text/plain; charset="XXXX"; format=flowed; delsp=yes

Good Afternoon,

Please see the attached summary of this account and the bank statements for
proof of payment for the above referenced loan. I have outlined each
payment on each statement for your reference.  As you can see, there has
been 2 payments, one for the regular payment due on this account and one
towards principal only, each month since SLS has taken over the servicing
of this account in XX/XX/XXXX

In researching these payments to resolve this discrepancy between your
records and mine, I have found a possible error in the payments to SLS.  It
is possible that payments have been submitted by our bank bill pay system
to an incorrect SLS account number: XXXX. The correct account number
is XXXX.

In my experience with SLS, this problem could have easily been solved in
XX/XX/XXXX has customer service representatives been better informed with
the facts at hand.

I have cc'd my attorney, XXXX XXXX XXXX, on this correspondence.  It is
with my permission that you are able to speak with him with this matter
should the need arise.

I look forward to the payments I have made to SLS being correctly credited
to my account immediately and to the hasty resolution of this matter.

Thank you

XXXX XXXX
(XXXX) XXXX

--XXXX--

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 01/14/2016 about Credit reporting () with EQUIFAX, INC. (SD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: my equifax credit report is showing my XXXX XXXX XXXX entry as being reaged as its showing the date of last payment as XXXX and the date of first delinquency as XXXX. i am in the process of rebuilding my credit at this time and this type of information hampers my attempts to obtain any new loans. also i am requesting the the credit entries XXXX and XXXX be deleted as well as they will be falling off my credit report in the coming months

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent a request for an account to be investigated in regards to an unauthorized for inquiry. I spent several days speaking to XXXX. They stated the inquiry was not initiated by them even though it is identified on my credit report by all three bureaus. I have contacted them via mail on four separate occasions XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I spoke to them and three occasions. I also informed them it was there responsibility to investigate the unauthorized inquiry as when I spoke to each of the three credit bureaus they referred me to XXXX. On XX/XX/XXXX they sent me a letter stating they were not responsible for said inquiry and therefor referred me back to the credit bureaus. This same vendor has been successfully sued on several occasions in where this same tactic has been found to be illegal.

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 04/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I represent XXXX XXXX, who is trying to stop the foreclosure of her home. Originally, the property was purchased by XXXX XXXX, XXXX 's partner of 20 years and common law husband. The XXXX separated and XXXX remained in the property. A foreclosure was initiated in XXXX. XXXX agreed to transfer the property to XXXX in XXXX, and the foreclosure was voluntarily discontinued and then filed again with XXXX and XXXX as defendants. XXXX has been working with me to try to get a loan modification since XXXX. However, Ocwen, the current servicer, will not provide any information on the account, nor will it provide any instructions on whether and how XXXX can assume the mortgage.I contacted Ocwen several times ( with permission from counsel for the mortgage holder XXXX XXXX XXXX XXXX but Ocwen would not provide information about the account without XXXX 's authorization. After making several attempts to get information, Ocwen eventually transferred me to the assumptions department, which instructed me to fax a request for an assumption. I faxed the request on XXXX XXXX, XXXX along with a copy of the deed to the property from XXXX XXXX to XXXX XXXX, as evidence of her ownership interest in the property. I have not received a response from the Ocwen about whether the loan is assumable or how XXXX could assume the loan. I have also not received a response to whether the streamlined modification offer sent to XXXX could be accepted by XXXX. When I made that request, Ocwen responded by contacting XXXX and informing their attorney that they could not reach the borrower, rather than attempting to reach my client. There is some urgency to this matter as the foreclosure case is scheduled for trial sometime in XXXX and Ocwen has not reviewed XXXX 's application for a loan modification or an assumption.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Privacy

Complaint: I recieved a voicemail indicating that my credit card was potentially involved in a large scale compromise. Disturbingly, my brother and parents, who do not appear on my account, were also called. I was told their contact information was obtained via public records. They were not provided account information other than my name, the fact that I had a credit card account with the institution, and the fact that my card was potentially compromised. Everyone I spoke to was very evasive about how and why the determination was made to contact these XXXX parties, not to mention how they obtained the actual contact information for them, my relationship with whom the bank is completely ignorant of. It is entirely possible ( though not the case here ) that XXXX of them could be involved with fraudulent activity using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Checking or savings account (Savings account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XXXX XXXX, 2017 opened checking acct by depositing my pension check, tried to get cash for bill paying, including making my mortgage payment in a timely manner by check ( as per usual ). the new vice president/manager XXXX XXXX refused to allow me to follow this regular type of procedure i have used month after month with any other bank. the bank i am complaining about is mufg union bank at XXXX XXXX XXXX XXXX calif. XXXX XXXX refused to allow me to make my own mortgage pmt, insisted she wanted to make the payment herself and that she wanted me to provide her with a copy of my mortgage bill. I stated that although i could provide that, it still is my role to pay my own mortgage. I have not provided her with a copy. I learned later in the week from one of the tellers that XXXX XXXX did not deposit my pension check in the usual manner, but instead sent my pension check back to my pension department : " XXXX  XXXX XXXX XXXX XXXX. 'XXXX XXXX complained to XXXX that an appropriate approving signature was not present on my pension check, wherein the party taking the call ( i could not ascertain who that party was ) informed XXXX that if she would look on the other side of the check, she would find that very easily. this held up my receiving any monies from my acct for about one week, and i was therefore 'broke. '' XXXX XXXX did not discuss or allude to any teller providing me with any cash until over one week following the opening of my account. she did not discuss if there would be any fees if i left this bank prior to 30 days ; however, i am very concerned that she would charge me a substantial fee to exit. i overheard a bank employee state that she charged me {$5.00} dollars to deposit my pension check. XXXX XXXX has never responded at any time to any of my clarifying telephone calls to her.

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 04/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Bought a Bowflex from XXXX which they, I, financed through XXXX XXXX. It was a installment sales contract. But on all three credit reports it is listed as a revolving account and an installment sales contract. XXXX is the only one that lists it a installment sales contract. The other XXXX companies and hy cite refuse to alter the info because it is listed as a positive account, paid in full and never late. An installment sales contract would make it a mixed credit report and would raise my score from XXXX to an XXXX. When applying for a loan it was one of the reasons listed for denying the loan. Also XXXX a utility company should be listed as a sales, as I pay month to month and not under contact. If I had bought a car or boat this is where it would be located under sale account.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Was forced into forbearance when they would not let us lower our monthly costs and made it impossible for us to enroll in payments based on our income, therefore racking up more interest on payments we were unable to make in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit card () with CITIBANK, N.A. (DE).
Issue: Billing disputes

Complaint: I have a Macy American Express card and they call me 6 times a day collecting on a payment made in XX/XX/XXXX to the Macy credit card number I had then ( I think what they call their store card ). The money is and has been at Macy 's since XXXX/XXXX/2015 - {$730.00} - but they can move it between their programs or send me a refund. So I receive interest and fees each month on the paid balance - now up to XXXX - collection calls continuously and credit bureau negative reporting. They do not know how to fix, keep telling me to send in a payment and telling me their accounting staff would need to be contacted. It 's not American Express issue but Macy 's. They keep reissuing cards and it 's their issue to relive - MACY 's has had this money in their corporate bank account since XX/XX/XXXX before the due date. They have lost a good customer because of this and now want the company to be fined for this incompetent servicing of their credit programs and failure to follow their regulatory obligations - post payments when received.

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