milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Navient has fraudulently put student loans on my account. I have never had an account with Navient. They can not provide written proof of a signature with me and NAVIENT on the same contract. I have been d isputing them off my credit for years. Since they in bed with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND NAVIENT.     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where navient just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last we ek my credit score drop ped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Consumer Loan (Vehicle loan) with PENTAGON FEDERAL CREDIT UNION (CO).
Issue: Problems when you are unable to pay

Complaint: For the last 2.5 years, the creditor, Pentagon Federal Credit Union ( aka PenFed ), continues to incorrectly report an account ( XXXX ) on my XXXX credit bureau report, even after multiple disputes to have them correct this multiple times for the last 2.5 years. This closed account is a former automotive loan. The vehicle was repossessed in XX/XX/XXXX and went into charge-off status in XX/XX/XXXX. Further, XX/XX/XXXX was the date of first deliquency that preceded the XX/XX/XXXX collection activity, thus the negative aspect of the account is now over 7.5 years of age, and the account should be deleted from my XXXX credit bureau report. It has already been deleted from my XXXX and XXXX reports due to such. Per Section 605 ( c ) ( 1 ) of FCRA : " ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. '' However, PenFed continues to report the account as paid as agreed and in good standing, and does not list any negative information, effectively re-aging the account. While some would find my situation ideal, the issue that I continue dealing with is many creditors see the account and assume I have outstanding debt. It drastically affects my debt to income ratio by being seen as outstanding debt, and I often get turned down for credit. No matter how many times I have attempted to contact PenFed conceding this, they never correct the erroneous data they are reporting, even when they agree with me that it is reporting incorrectly. This is a seriously violation of federal law. I have included PenFed account statements showing the date of first delinquency proceeding the charge-off, as well as statements showing the date of charge-off.

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 11-03-2016 about Debt collection (I do not know) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account does not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 TD Bank XXXX reported hard inquiries to my credit report. I have never applied for credit at TD Bank. I have contacted the creditor and have had no success on removing inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Debt collection (Other debt) with RAS LaVrar, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: RAS LaVrar , LLC : This letter is being sent to you in response to a notice sent to me on ( XX/XX/18 ) or in r. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, Experian or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no further telephone contact, to be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me or coming to my home to serve court documents it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a call from XXXX XXXX XXXX and they had offered me a payday loan. I had taken out a payday loan for {$500.00} and now on my Credit Report they are stating i owe over {$1300.00} and am late on payments. XXXX XXXX XXXX are illegal in the State of Florida because 1. ) they are not registered to do business in FL 2. ) their absorbant fees that they charge are illegal against Fl state laws.

I want this immediately removed from all 3 of my Credit Reports.

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 09-08-2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Received XXXX separate calls from Citibank Student over the weekend regarding a past due balance. A past due balance, that was a mistake made by Citibank Student Loans and the second time this mistake was made When my wife spoke to them, they refused to give her information, despite her being authorized. The representative was pushy, repeatedly requesting payment immediately. She did give her ID # when she spoke. She did not care when we mentioned that the past due balance was an error on the part of Citibank, still requesting payment. We asked for a call back number which she did not want to give and continued to request payment. When she finally gave it, the number to call back brought us to the system and we were informed the offices were closed. They requested personal information that did not seem secure. 
Now, we were able to call back and speak to a representative when they were open. We were informed that they had no control over when people were called and that the staff were told to call and they did so and this was their policy. 
This balance had been " past due '' for less than a week and there had been no email notification or mailing. We received an email today almost a week after the phone calls were received. Further the phone calls were over the weekend ( XXXX ) and repeated. This is excessive, bordering on harassment, especially in light of the whole situation being a result of an inability to process a check correctly and follow the directions on it for a second time.

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 04-11-2017 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a wage garnishment from pressler and pressler. Never received a summons or any paperwork prior to this wage garnishment. Also the amount owed is in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I sent Chase bank a certified letter XXXX XXXX stating that I want a disclosure pamphlet of there policy that you are allowed to make a when there is a discrepancy with your mortgage account.. I asked that it be sent and call me when its sent off. Including a tracking number. It is my right to them. It is a federal law. They are not providing them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I currently have a refinanced loan with Quicken loans. In early XX/XX/XXXX I received a call from XXXX who only identified herself as a person with Quicken loans about my loan. She said XXXX had been trying to reach me about working on my credit rating. I said there was nothing that could be done about my credit rating because of my high medical bills out of pocket each month. She said that I should talk to XXXX that he had ways to help repair my credit. So I called and talked to XXXX and he said if I could get the two credit cards I have paid off that they would be able to remove the PMI from my loan. No one at this point every said it would be a new loan. All I was told was to get my credit rating up and they would remove PMI from my loan. I did as XXXX told me to do which was to sell off investments to pay off the cards. I understand now my credit rating is XXXX. This cost me about {$5000.00} in broker fees and money lost in money that would have been made had I left that money in the stocks and also monthly income that would have been earned. 
In the last week I have been getting calls from other Quicken loan officers about my new loan. I have never heard back from XXXX again. I found out today on XX/XX/XXXX that XXXX is a mortgage banker. I called today and spoke with XXXX he said now he never said he would remove my PMI that all he was doing was working with me to fix my credit which I have done so the PMI Would not be on my loan. Until today he had never told me that I would have to do a new loan and that the PMI could not just be removed. All he said he was doing was working to improve my credit so the PMI would not be on the now he stated new loan. This was the first time he used the words new loan. He gave me XXXX phone number and said I would have to discuss the terms of a new loan. I said I was not paying thounds of dollars for a closing and new appraisal of the house and witness fees and attorney fees to have XXXX dollars a month taken off my loan. I called and talked to XXXX XXXX Sevicing Resolution Specialist with Quicken loans who I had worked with before when I had problems with the last loan. He said I would have to talk to XXXX about terms of the new loan. That they could not just remove the PMI from my current loan until the 11 years were met or/and the life of the loan. I do have a call into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: While working with Ocwen Loan Servicing to modify our mortgage loan and prevent foreclosure. The inconsistent information that was given to me and the methods used to determine " timely '' filing of information enabled the attorney, acting on behalf of the Bank, to direct the auctioneer to proceed with an auction on my property on XXXX, XXXX, 2016. My repeated attempts to comply with every direction requested by Ocwen Loan Servicing to file a " complete '' application was deemed to have been received on XXXX XXXX, 2016. Please review the attached documentation and help me to reverse this action and retain ownership of my home. A complete file of all documentation is available at your request.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My Husband was a victim of identity theft, there were multiple fraudulent checks totaling {$4400.00} written under his name, taken to the bank to be cashed against the account in some transactions the perpetrator deposited money from the check and withdrew from the account. these transactions were made in different bank of America branches none of this transactions were made my my husband or myself. the incidents were reported to bank of america, claims were submitted and I was told that a fraud  specialist  was going to contact me but no one ever did. I was told these claims could take from 30-60 to be solved I waited and gave them enough time to do their investigation. after over 60 days and numerous phone calls I told by one of the representatives on  XXXX   XXXX ,   XXXX   that according to the notes from the fraud annalist the claims had been denied and bank of america is not going to replace the money. as far as know the money in in the bank is insured by the FDIC. none of these transactions were made by us and the money should be replaced. the bank should make an investigation and pull the cameras from the branches where the transactions took place and they will see is not my husband who made the transactions. I filed a police report, and an identity theft report with the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (HI).
Issue: Loan modification,collection,foreclosure

Complaint: This is in response to Wells Fargo answer to my Case number XXXX I think, due to the size of their file, I can not sbmit my Disputing their reply. Here it is. 
Wells Fargo has lied and what they have done is ILLEGAL. 
XXXX They say they have filed a complete chain of Assignments with the Court BUT : Court Documents filed State of Hawaii Documents filed XXXX. XXXX/XXXX/XXXX Assignment of mortgage XXXX. XXXX/XXXX/XXXX Assignment XXXX Corporate Assignment XXXX Assignment XXXX. XXXX/XXXX/XXXX Assignment grantor/grantee XXXX. XXXX/XXXX/XXXX corrective assignment XXXX. XXXX/XXXX/XXXX corporate assignment ( invalid due to Robo signing ) XXXX. XXXX/XXXX/XXXX corrective assignment Nowhere, in the chain of assignments, do they show that on XXXX/XXXX/XXXX XXXX sold the Mortgage/note to XXXX XXXX and then on XXXX/XXXX/XXXX XXXX sold the mortgage/note to XXXX HOME MORTGAGE. They LIED. Nowhere do they show how XXXX came to own my mortgage/note. 
XXXX TILA was violated in that I was never notified of any of these assignments. 
XXXX The Pooling and Servicing Agreement ( PSA ) was closed when they say my mortgage/ note was transferred into it. Therefore all subsequent assignments are invalid. It is ILLEGAL for U.S. Bank to represent themselves as owners. Wells Fargo dismisses this as nonsense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I requested to the company that validation be sent for so called debt or otherwise delete the collectiona from all three credit reports. I never received validation for the accounts in question. 

Both accounts are with the same collection agency for different amounts. The first amount is {$1000.00}. This account was opened with the collection agency on XX/XX/XXXX. 

The second account in which I requested validation was opened on XX/XX/XXXX with this same agency in the amount of {$4800.00}. 

No validation that I owed this debt was presented to me in the 30 day time period.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Financial Credit, Inc (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company has been illegally and inaccurately reporting to the credit bureaus. This account was opened in 2011. The last payment was made in 2011, however this company has been reporting 1 month then for the next 5 months will report negative late payments and then again report payment made. I have not made payments to them since 2011. I address it with the credit bureaus they informed me this is illegal and to address it directly to the company as well. I contacted them regarding this and they stated they did n't know what I talking about and demanded payment. I sent them a copy of my credit report that showed exactly what I was talking about and then they said they did n't know how that happened, and demanded payment. I informed them that they were in violation of the Florida Statue of Limitations of Debt Act and Fair Credit Billing Act. The Manage got an attitude and laughed and demanded payment once again. They have been fraudulently reporting to keep the account open and it has destroyed my credit. Please see page 43 of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Payday loan) with WALDEN ASSET MANAGEMENT LLC (Closed) (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: walden asset management is leaving voicemails threathing to file a greivence if I did n't return a phone I saved the messages XXXX were lft in 5 days

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Hi, we total losses a car end of XXXX XXXX, however the car lease payment was set up in early XXXX, so out of common sense we called to cancel the auto pay- there is no reason to pay a loan for a car that was total losssed. 

Our car insurance company worked with Toyota GAP insurance to pay off the full balance on the car- however as of today, toyota financial service have been harassing me by leaving phone message saying how urgent this issue is, and sending me mail by threatening g to sue me. 

Most ridiculously, they asked me to send back the lien release- I never even got it yet! 

This is insane and it seriously disturbed my life, we have suffered enough from the car accident, and now we have to face their harassment. 

Please help stop these nasty people.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried on several occasions to rectify this issue with XXXX. They are reporting 2 accounts on my credit report as being 120 days past due in 2014. When I contacted them they admitted that they knew the accounts were not past due but due to paperwork and processing times my accounts will be reported as such. This is illegal and fraudulent and I am extremely unhappy about it. I have several other loans with XXXX and none of them have ever been late or delinquent so I am not sure why they are giving me these issues. I want them to report my account accurately by removing these fraudulent late payments immediately. I will not give up until I receive justice. I work really hard to keep my credit clear and this issue is so upsetting.

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