milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: credit bureau TransUnion not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XX/XX/XXXX with XXXX since XX/XX/XXXX till present2. as my correct name -they showing XXXX names for me instead of oneI am XXXX XXXX only not anybody elsedisputed the same issues with XXXX and they promised to fix it, hopefully they will as well as othersPlease help me out because these situation continuing for a years and they are not helping at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Because of an extended period of unemployment ( without unemployment benefits ), I requested a Loan Modification in regard to my first mortgage on my residence of fifteen years. I responded with a complete application and documents as requested by Specialized Loan Servicing ( " SLS '' ). Subsequently, extended periods of time took place in which I would not get a response from SLS. Over a year ago, I was informed that they were missing just a few documents including an authorization to release my Federal Tax Return Transcript, pay stubs for my wife 's XXXX income and confirmation of my consulting agreement with a XXXX XXXX XXXX in XXXX California. Despite the fact that I had submitted these documents in prior submissions, I repeated the task by fax, XXXX and USPS methods. Once again, extended periods of time passed without hearing from SLS. Finally, I received a communication from SLS indicating that they were unable to evaluate the dozen or so programs available for Loan Modification or relief for homeowners who fell behind in their mortgage obligations. Following this startling event, I began copying my correspondence with SLS to local, State and Federal Agencies to raise the concern that I was not being given consideration in a good-faith manner. In a effort to respond without further challenging their system, I have resubmitted a complete application for consideration in response to their request. I have been repeatedly told that while my home was in foreclosure, there was no sale date set which implied to me that they would await the submission of the new application to evaluate these potential programs before proceeding with any further action. Much to my surprise, ten days ago, I received a notification that my home was being auctioned off at XXXX on XXXX XXXX, 2015 which is ten days from this date. You can imagine how startled we were to being told that 15 years of memories are going to be stripped from us -- -family birthday parites, graduation celebrations, the passing of our beloved dog, XXXX , the highs and lows any family goes through. In a wink of an eye, we can be homeless at age XXXX, without anywhere to turn in spite of trying continuously being responsible citizens to seek a solution to a troubling situation. I have now reviewed SLS 's history on the internet and find others have had the similar fate!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have asked EQUIFAX to delete this information and they continue to put it on take it off and I am fed up with the entire mess. They are supposed to do what I ask them I sent proof of the problem and they just keep putting this erroneous incorrect information on my credit report. It is also reporting XXXX XXXX, the Consumer pursuant to XXXX ( XXXX ) has asked to have them delete it and they have not done so as yet. I do not feel it is right for them to allow the unauthorized use of my credit from a DEBT COLLECTOR, without my permission nor my loan level documentation for the whole world to see. This is a violation as well it is called IDENTITY THEFT, PURSUANT TO XXXX, which is ridiculous. EQUIFAX has done this same ruthless thing for years and it has to stop. They are defaming my character and harming my well being when I want to obtain goods and services for my family, personal, and household use. I want this information to be DELETED, as the Consumer as asked. The Creditors also have not provided me with a written agreement which must be done. I do not know why DEBT COLLECTORS, feel as if I must go to work, give them money which is not theirs and put the Consumer in XXXX, just because they do not want to work. This is against the law and part of the XXXX XXXX XXXX XXXX talking about these XXXX CORPORATIONS thinking that something is owed to them when it is not. This has to stop, CEASE AND DESIST reporting this inaccurate erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Approximately every XXXX months ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I get a hard credit inquiry from XXXX. I have never authorized this hard credit inquiry and I would like this company to stop making hard credit inquiries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent written disputes out but also wanted to advise and request for help. There was just a tax lien added on my personal credit file stating I owe the IRS 130k which is 120 % inaccurate. I want this inaccurate information removed off of my credit file ASAP. How does the credit agencies obtain there information? Do they verify such inaccurate information with the IRS? How can the a credit reporting agency add information to a consumers credit file without validating it first? I do not owe anything to the IRS and that is CONFIRMED.

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 12/21/2016 about Debt collection (Medical) with Meade & Associates, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was XXXX when this debt took place, It can not be from me.I wasnt released from XXXX until XXXX 2016, can u please remove this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/27/2015 about Debt collection (I do not know) with RMB, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: A man called from a company called RMB - which I am not familiar with - and asked me to verify the last XXXX digits of my social security number. I asked why. He said " it is a personal matter. '' He told me the last XXXX digits of my social and again asked me to verify that those were mine. I again said, " why do you want to know? He said, " it is a personal matter. '' I told him I would not verify, so he hung up. My husband called the number and spoke with someone there who would still not disclose why they called me. Or what the business matter was. I only know they are a debt collector because I looked up the company online. At no point did the caller identify himself as a debt collector and he revealed my personal information without verifying who he was talking to. I am wondering if this company is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Mortgage) with Shellpoint Partners, LLC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received payoff letter for loan with projected payoff date of  X/X/17    and title company attempted to tender payment on  X/X/17    but was rejected. Received new payoff letter increasing the payoff by {$2100.00} three days later! Requested explanation and was told they forgot to include {$1300.00} for work that their foreclosure attorney performed and {$750.00} for forced-place property insurance they forgot to include. ( Could not explain the other {$80.00}  ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ZIONS BANCORPORATION (TX).
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: Visa Card issued by Zions National B ank 30 day late payment has been noted on my credit report.     My law firm has  XXXX  times contested this negative mark on my credit report.      Zions National Ban k refuses to remove it from my credit report.      Visa    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   2001  The statute of limitations has passed.     Please remove this 30 day late notice from my credit report.     Thanks in advance.      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 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I received bad information about my loans over the years from XXXX XXXX, which is now called Navient. My private loan amounts have continued to sky rocket even though I 've made payments. The interest is outrageous and continues to go up. I feel like i 'll never have them paid off. They have charged some unconstitutional fees that I do n't think should be added when you are trying to pay off your students. Navient/XXXX has never really been a company that is workable. I 've always seemed to go circles with their customer service and getting different answers on my loans. I do n't feel like there is any relief in sight. I have trouble with how the payments are handled back since I graduated XX/XX/XXXX from XXXX University. XXXX closed their doors officially XX/XX/XXXX, and they have given me the run around on why their doors were actually closed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Credit decision / Underwriting

Complaint: After requesting XXXX XXXX XXXX to modify our mortgage through principal reduction, our account was transferred to Bayview Loan Servicing , LLC which advertises that it provides principal reduction alternatives. We applied, submitted all the required supportive information, specifically requesting a principal reduction, and were offered a false modification opportunity that did nothing to reduce the principal. The market value of our home is approximately {$90000.00} less than the current mortgage principal of {$300000.00}. 
We provided county assessments, regional sales of similar properties, insurance values, and hardship and financial documents, all for not. 
We need help getting out of being underwater on our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this information on numerous occasions. Experian 's refusal to properly investigate inaccurate information appearing on my credit file leads me to one conclusion, I am being discriminated against based on my ethnicity and gender. I have several Virginia XXXX accounts appearing on my credit report that lists incorrect information. XXXX account list a monthly payment of {$0.00} and last payment made in XXXX and XXXX. I am requesting a copy and proof of how the payment was made. I have not made any payments to Virginia XXXX XXXX since XXXX. All Virginia XXXX XXXX accounts are reporting beyond the legal reporting time of seven years. Experian refuses to update my credit report to show that these items are in dispute which is a clear violation of FCRA. I continue to receive conflicting information from Experian regarding this dispute. The Virginia XXXX XXXX accounts also list monthly payment terms and date opened incorrectly. Please stop discriminating against me and remove this inaccurate information from my file.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I experience some irregularities on a XXXX credit card. I reported it to my credit card company on XX/XX/XXXX. The following day they closed the account and opened a new one. When I checked Equifax, my XXXX credit card had completely disappeared. It did not show that it was closed it was just not there and the new card was n't there either. I waited a week and contacted XXXX, they told me they reported to all 3 major bureaus both the closure and opening of the new account on the XX/XX/XXXX. They recommended I contact the bureaus. They also launched their own investigation after I was getting nowhere with Equifax. This investigation could take up to 30 days. When I contacted Equifax on XX/XX/XXXX they told me they have no information about me ever having a XXXX card and they also had no documentation that shows that XXXX told them to close and remove an account. They just have nothing. And they keep telling me since they have are not showing any XXXX Cards ( which they removed ) they ca n't investigate why it was removed. I contacted other the two other major bureaus and they were able to give me information. The other two documented the closure but not the opening of the new account. This is an account that has been reported on to Equifax since 2010 and I keep a close eye on all 3 bureaus. There is an obvious oversight if when they remove the card they remove all requests from the company. At a minimum they should still be able to access a final request that tells them to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Debt collection (Medical) with Broward Adjustment Services (MA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I 've mailed this collection company several letters of my XXXX and exempt for collection. The account they all about is not my obligation that of XXXX county XXXX which I had at the time of these charges were incurred

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 07/27/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Closing/Cancelling account

Complaint: My credit card account was closed without me receiving notice. Each month I have been receiving my statement via email from Sears. On XXXX XXXX I received my annual privacy notice which brought to mind I have not used the card. On XXXX XXXX I tried using the card and it was declined. Upon call on XXXX XXXX I was informed my account had been closed. I asked for a copy of the required notice that I never received and they said they could not send it. I never received the supposed mailed notice.

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 11/13/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I contacted Midland Funding on XX/XX/XXXX to request a hardship on a XXXX XXXX ( XXXX ) collection account. After reading in Midland Fundings website it clearly states : -We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 
-We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 
-We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. 

I informed the company of my medical diagnosis " XXXX XXXX '' I was diagnosed in XX/XX/XXXX.  Because of XXXX treatment I was unable to maintain my employment with XXXX XXXX. I lost my housing during that time as well. Over the last 2 months my children and I have lived at XXXX XXXX. And I receive {$380.00} monthly in child support. 

On XX/XX/XXXX I faxed over documents : verification of shelter stay, and court ordered child support. I was told by my account manager that I did not qualify for a hardship. I stated THEIR company verbiage that according to them qualifies you for a hardship ; which is listed not their website. I was instructed to resubmit the documents and I would be notified through mail. I told my account Rep that I did n't have a current address, she then stated that she would contact me via telephone with the status approval/denied. As of today XX/XX/XXXX I have not been contact by anyone at Midland Funding LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Debt collection (Auto debt) with Viking Client Services, Inc. (IN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Viking Client Services ( XXXX XXXX XXXX ) has violated FDCPA in multiple ways : - They contacted my employer more than once, on XXXX/XXXX/2017 and on XXXX/XXXX/2017 - They contacted a relative and left a message, then disclosed that they are attempting collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Consumer Loan (Installment loan) with ZIONS BANCORPORATION (AZ).
Issue: Problems when you are unable to pay

Complaint: I opened this loan back in XX/XX/XXXX and was scheduled to make manthyl payments of {$460.00} for the next 36 months. A problem has developed where I can no longer afford to make these payments since my medical insurance premiums jumped over 500 % for XX/XX/XXXX. I spoke to my attorney who advised me that I should file for chapter XXXX bankruptcy and that I should contact the creditor about a refinance or a resonable payoff ( settlement ) quote. In contacting the collections department and customer service I am finding that after XXXX or more calls that they are trgfising to listen and cooperate. They either do not have any information to give me or tell me that they will not negotiate ; clearly ignoring and voilating all applicable federal and state laws. If we do not reach an agreement in which I can reasonably pay off this loan, I will be forced to play all audio recordings of these phone calls in open court, demonstrating their contempt and refusal to cooperate -- resulting in the coutt ruling in my favor and forcing them to write off this debt and cease all collection efforts.

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 09-03-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I was diagnosed with XXXX XXXX in XX/XX/XXXX, I had to have XXXX. I fell behind on my mortgage with XXXX XXXX. I was out of work, recovering from XXXX and XXXX, in til late XX/XX/XXXX into XX/XX/XXXX. I applied for a loan modification and was denied, even though I am receiving Social security XXXX. I applied for XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX, and they accepted my application and agreed to pay Ocwen {$50000.00} which they rejected because my outstanding balance was over that amount. At the same time they denied my loan modification even though I make more than sufficient money monthly. I contacted Ocwen on XX/XX/XXXX an ask why was the $ XXXX from NJ housing rejected and they did give me a loan modification, but wanted me to pay over {$57000.00} to save my house. I am waiting to hear back from Ocwen escalations to see If they would accept the {$5000.00} from NJ housing Authority, minus their fees with turns out to be {$50.00}, 300 plus at the end of XX/XX/XXXX. I suggested to them that I will pay the difference between the $ XXXX and the XXXX XXXX dollars an continue to pay the mortgage in XX/XX/XXXX. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Making/receiving payments, sending money

Complaint: I have a dispute with PayPal. As you know, according to PayPal rules, I am not allowed to go to court, and must arbitrate any dispute. So, as required by the PayPal Rules, I submitted a " Demand for Arbitration '' to the XXXX describing my dispute with PayPal, including all required information. Much to my surprise, instead of a dispute resolution process, the XXXX sent both myself and PayPal a letter, saying that the XXXX could only begin the arbitration if both parties provided written consent ( because the PayPal rules do not correctly appoint the XXXX as the administering agency for the arbitration, so the XXXX required a separate consent ). I immediately submitted my written consent. But PayPal REFUSED. Thus, the PayPal rules say that I must arbitrate all disputes with PayPal with the XXXX, but when I tried to submit my dispute to XXXX arbitration, PayPal refused to use the organization their rules call for! Now I have no recourse at all, I am not allowed to go to court, and PayPal refuses to arbitrate in the manner proscribed by their own rules. This is truly outrageous conduct by PayPal, they clearly are just trying to avoid any dispute resolution process. I will attach a copy of the XXXX letter to this complaint if this system permits. Please force PayPal to follow their own rules and arbitrate my claim in the manner their own rules require. 
XXXX XXXX

Company response to consumer: Closed with explanation