milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: " XXXX '' at Transworld Systems Collection Agency called from phone number XXXX. She has been calling on the weekends. The number she just called ( XXXX ) XXXX, is my work number. I answered and told her that this is my work number. She said " Well, I 've been calling your cellphone and no answer so I 'm calling this number. Can you verify the last XXXX of your social? ". I told her again that this is my work number and I ca n't talk about my debt in the office and asked her to call my cellphone as we spoke. She said " I ca n't call it - you can call me at ( XXXX ) XXXX and ask for XXXX ''. I called her and she had a very nasty attitude and said my last payment bounced for non-sufficient funds. I told her I do n't have the money so I do n't know what else to do. She said I can either pay " voluntarily or involuntarily '' and they have verified my employment so she will garnish my wages since I ca n't pay my bill. Please note that I have never provided my work phone number nor, did I provide my employer information. The debt they are trying to collect is my son 's emergency room bill from last year BEFORE I started to work for this employer. I believe she might have searched for my information online and used what she had found ( possibly XXXX ) to contact me. I am afraid that she will continue calling my employer even though I never provided this contact information to them and they have researched alternatives to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Other debt) with Altisource Portfolio Solutions, S.à r.l. (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: COLLECTOR KEPT CALLING ME AT HOME AND CELL PHONE 11 TIMES AFTER CEASE AND DESIST COLLECTIONS DEALING WITH XXXX MYSELF ( SEEPAYMENTS ) AND VALIDATION I I FURNISH XXXX XXXX, XXXX. SEE CELL PHONE CALLER I.D..

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My credit report is showing bankruptcies they are not verified.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I just Received notification from a new service that i set Up with Transunion to notify me or if my credit report is requested. I logged In today and discovered inquiries including two that were recently made ( one as early as today ) against my consent and will. I have rtrequested that Transunion investigate and or delete these unauthorized inquiries as i did Not authorize them neither have i consented in any way for this offer fro credit. 

XXXXXX/XX/XXXX ( spoke with XXXX in fraud resolutions who verified this is an error on XXXX part ) XXXX XX/XX/XXXX ( spoke with XXXX is Credit resolutions who stated a request would be submitted to delete ) XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: In regards to the XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} Also, in regards to the XXXX XXXX XXXX account listed on my XXXX report, I have requested in writing twice now for XXXX to remove the debt from my credit report as I am an authorized user on this account and it should not be listed on my report as it is negative. Please remove this account ASAP.

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 12/19/2017 about Mortgage (Conventional home mortgage) with BANK OF THE OZARKS (AL).
Issue: Closing on a mortgage

Complaint: On XXXX XXXX 2017 I asked bank of the Ozarks in XXXX Al for the pay off on my property and they told me that they cant give it to me in person that they have 7 days by new government law to send it in email. In this time they added XXXX to the pay off by attaching a charged off loan from years ago to it and also I payed my car off years ago and they did n't return the title

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a loan that was on Identity Theft & fraud by XXXX XXXX bank that was not sign by me as the California All Purpose Certificate Of Acknowledgement was for corrections & power of attorney for the instrument being the deed of trust. 

I did not sign nor was or appeared before the notary/notary agent on this document I have identity theft and fraud by the said parties XXXX XXXX & the notary/notary agent hired by them.
Fraud & Theft on the instrument for the Deed of Trust

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 08/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Making/receiving payments, sending money

Complaint: A check was presented twice for cash my check # XXXX from Citibank was presented and paid on XXXX/XXXX/XXXX and a second time on XXXX/XXXX/XXXX over a year later. I opened a case with CITI but want to also let you know that this is happening. This is obviously Fraud. my questions to the Citi Rep was 1. how does a check over a year old paid? 
2. why is the same check paid twice? 
no responses to either. Last years check should have been destroyed after payment by the bank I suspect. Meanwhile the bank is not refunding the funds and starting an investigation. so I 'm down in {$330.00} due to their negligence to identify fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have a XXXX XXXX loan. I am XXXX and on a fixed income. I applied for a loan modification with my lender Nationstar currently known as XXXX XXXX, and I was denied at first, then I went thru XXXX, and my modification was accepted. I did my 3 trial modification payments and received my final documents from XXXX XXXX. They added 19 years to my loan. I got my loan in XXXX. With all the late fees they say I am behind on my loan by XXXX. My principal balance went from {$160000.00} to {$190000.00} + {$5900.00} was deferred to the end of the loan. The loan went from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, 19 years added, no late fees deducted, and a balloon payment at the end of XXXX. I feel like XXXX XXXX is doing predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is, in my opinion, ruining my credit report on purpose. It is amazing at how inept they are being about fixing their own mistakes. I have sent them XXXX letters already, telling them exactly what was wrong and what they needed to fix and they have been responding with crazy statements basically telling me that I am the one who is wrong! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history AND BALANCES! CAN YOU BELIEVE THAT!?? 
2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 
3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I filed for Chapter XXXX bankruptcy due to my mortgage payment behind with at the time XXXX XXXX. The court was given an amount for my arrears balance and I was required to continue to make my monthly mortgage payments. At that time with XXXX. Mid XXXX I received a notice that my loan was now being serviced by GreenTree. So I began to make my mortgage payment via bill pay to them. Payments on the arrears balance came from the trustee and I made my monthly payments. At one point in late XXXX I became unemployed and I fell behind. My attorney work with the mortgage servicer work out an agreement in XX/XX/XXXX where I paid one catch up payment of XXXX and an additional payment of XXXX each month for six month. Thankfully my bankruptcy was discharged and paid in full XX/XX/XXXX. However, at that point the mortgage servicer has now changed their name to Ditech. After 40 months in bankruptcy in XXXX Ditech submitted to the trustee that I still owed 4 months of payments. I contacted my attorney and the bankruptcy department at Ditech and ask for someone to please explain how this was possible. I made all of my payments and I request a payment history from the company. Each time I requested documents or spoke with anyone the balance of what I " owed '' changed. I filed a formal dispute with the company via phone, and given the lack of cooperation I resorted to shame tactics on XXXX. Since XXXX I have tried to get a straight answer out of Ditech. I received only one detail email response back from the company and all of their information and dates on the email were incorrect and did not reflect payments I made. In additional I pointed out that their information in the email was completely different than the payment history I finally received via mail. It is now the end of XXXX and there is still no resolution. Ditech/Greentree received fines by this agency and the Federal Trade Commission just two years ago for these same tactics. Poor recordkeeping, collection notices sent while the customer is disputing the debt. Nothing seems to have changed with them. But I know it is unreasonable to expect me to pay back monies I already paid due to their poor recordkeeping. meanwhile I am still making my current monthly mortgage payments each month only to have the monies applied to an arrears balance that is not accurate and that I do not owe.
Attached are copies of the Order Denying Motion for Relief from XXXX-My written dispute letter with Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I opened an account with XXXX in XXXX, 2016. They, in turn used XXXX. I kept the product that I purchased with XXXX for about 3 days. XXXX called me multiple times to insist that I pay them. I explained that I returned the product before a payment was ever due, and that I did not owe for something that I did not have. I mailed them copies of the receipt showing that I returned the product, and they insisted I write a statement, and get it notarized along with sending it via registered letter. I explained that I would not do this because I did not owe anything, and I had spent over an hour for two different three-way calls with XXXX and XXXX proving that I did n't owe anything. XXXX proceeded to report me missing a payment to credit agency ( ies ). This delinquent payment is showing on my report. The derogatory status was updated to current status, but that does n't reflect properly that it should have never been reported as delinquent at all. Please help me to remove this from my credit history. I have worked hard to correct the irresponsibility of my past, and I do not want this to lower my credit score, as it already has by several points. Thank you.

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 11/14/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am filing another complaint on behalf of my son. The original complain is Case number : XXXX. We were over 2 months behind on my son 's student loans due to the fact that Discover was asking for over XXXX % of his salary. We were paying what we could but Discover never recoginized it unless it was the full payment. I called and setup a plan with Discover to divide a {$2400.00} dollar payment into three equal payments and with each payment, it would reduce the days late by 30 days until it was paid out. We made our last of the XXXX installments on XX/XX/XXXX. The system still shows 57 days late and they havent sent the appropiate information to the credit bureaus. They say they didnt say it would reduce the days late by 30 days but I know they did. Just ask for the recordings of our calls. I would like an answer and I would like them to do what they agree to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Closing on a mortgage

Complaint: FORECLOSURE SCAM In XX/XX/XXXX, Ocwen Loan Servicing LLC transferred and sold my loan without reporting the entity they sold to. XX/XX/XXXX, my house was sold on the courts doorstep here in XXXX, Georgia without my knowledge. I did not know the property had even been foreclosed on until late XX/XX/XXXX after consulting a federal agency in reference to Ocwen Loan Servicing LLC trying to add their information to my homeowner 's insurance. Did n't know they had sought after my insurance company until one of my insurance company representatives contacted me via phone to inform me. After seeking out information about why they would call my insurance company, I came upon documents filed and advertised at the XXXX County Superior Court in XX/XX/XXXX,  shortly after learning about the insurance issue with Ocwen.
Immediately afterwards, I tried to retain counsel in my area to no avail. I could not get any help in any form in this state. Contacted an attorney in the XXXX area, who wanted to file a civil suit against Ocwen but declined to proceed and also stated that I would lose if I tried. So, I immediately seeked out the bank that supposedly holds interest in my home to find out that they do not own my home and is not coming against me in any court proceedings based on the bank representatives who are listed in the letter which is attached to this complaint. Afterwhich, today, I contact the attorney, XXXX XXXX, with XXXX XXXX XXXX XXXX who filed proceedings against me for XXXX XXXX XXXX XXXX and asked that he cease and desist because their defendants addresses, phone numbers were bogus and he was in violation of my rights as a consumer. A cease & desist letter will be mailed certified to him and his firm today.
The banks information listed on the court proceedings do not exist and the XXXX XXXX XXXX XXXX representatives listed in my cease and desist letter agreed with me on filing this claim. They can be reached at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX. Please see misleading XXXX XXXX ownership information on the tax document and court proceeding documents attached.
I would like the FTC to conduct an investigation and any other entities you find legally obligated to enforce any laws regarding my situation.

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 07/20/2015 about Debt collection (Credit card) with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: There is a company named XXXX XXXX XXXX that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with VANDERBILT MORTGAGE & FINANCE, INC (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, In XX/XX/XXXX I contacted XXXX XXXX XXXX to tell them they are reporting my installment contract incorrectly and it is showing on all 3 credit bureaus as a mortgage. I have been turned down several times for an FHA first time buyers home loan because of this. I bought a trailer from Vanderbilt on an installment contract. This was not a mortgage, it was an installment contract - no land was involved, nowhere on the contract does it say mortgage, I did n't sign a mortgage, there is no mortgage recorded in the public records and the trailer is on a rented lot in a trailer park with the wheels and axles still on it. I voluntarily surrendered the trailer in XX/XX/XXXX. Per my request, Vanderbilt sent me a Letter on dated XX/XX/XXXX stating this was not a mortgage foreclosure but it is still reporting on all 3 credit bureaus as a mortgage, preventing me from buying a house. I 'm not sure what to do. I have been paying for services from XXXX for about 6 months trying to get my credit score up and now it was all for nothing because I have been turned down by several lenders because of Vanderbilt and now those hard inquiries have dropped my score from a XXXX to a XXXX. Please let me know if you can get this account to report as an installment agreement instead of a mortgage. 

Thank you so much! 
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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NJ).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: After the Equifax data breach the company offered protective services via TrusdtedID. I 've contacted both companies to have the Equifax-sponsored services by TrustedID stopped, to no avail. Please have them remove my information from their files and disenroll me from all of TrustedID services.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Midland Funding LLC hired XXXX, XXXX, XXXX XXXX XXXX to serve me with a Civil Warrant on a credit card debt that is over 8 years old. Now we have a court date set for XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed a company called  XXXX  made an inquiry on my experian credit report on   XXXX   XXXX   XXXX   I do not know who they are. I have disputed it with them but they claim it was a valid pull.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: All three of these companies would not remove erroneous items from my account, namely XXXX XXXX not mine ), XXXX ( fraud apartment complex that kept my lease active after I gave them my PCS orders signed by my commander ), and XXXX XXXX not mine ). After a year of writing letters and filing disputes, the completely unhelpful call centers that are on entirely different continents, kept telling me that they are only a reporting agency. I was baffled by this! I 'm here to report that all three of the credit bureaus are ran by child predators! It might not be true, but that 's what I 'm reporting.

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