milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2016 about Debt collection (Medical) with Performant Financial Corporation (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt is being collected through garnishment. The debt collector continues to call wanting me to pay them directly instead of through garnishment. Debt collector calls once or twice everyday and ask that I pay them instead of allowing garnishment out of my XXXX check.

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 11/13/2017 about Debt collection (Other debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Common Wealth Financial Systems XXXX XXXX 2017 {$51.00} They told me over the phone that the account was not mine after them verifying it was not my account. They ended up removing one account and forgot to remove this one. So I called them again and they told me to send them verification of identity theft which I did and they said they would take care of it and remove it. Now I have the credit burea say they denied my request which they ORIGINALLY AGREED and verified it wasnt mine to begin with. I have emails and they should have notes i the system and recorded calls of original agreement about it not being my account. Please have them remove this as I am STILL FIGHTING IDENTITY FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I 'm again requesting " credit freeze '' be removed altogether.

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 09-01-2016 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (MT).
Issue: Application, originator, mortgage broker

Complaint: I was previously approved for assuming my soon to be ex-husbands VA loan with XXXX Bank but due to the divorce not being settled we could n't proceed with the loan until the divorce was complete. The divorce is almost complete so I contacted XXXX Bank to finish the paperwork to assume the loan. Unfortunately they sold the loan to Planet Home Lending so he was unable to provide me with the loan. So I contacted Planet Home Lending to assume the loan. I completed the paperwork and submitted it to them. The underwriters came back and said they would not approve the assumption loan due to a short sale in XXXX XXXX. I know from XXXX Bank that the short sale can not be held against you if it happened over 2 years ago and their waiting period was only 1 year so it was n't even an issue. But Planet Home Lending is using my short sale against me even though it is over the 2 year mark. This is discrimination and I am not sure why they are using this against me due to it has been over 2 years. I am also female and serve in the XXXX XXXX XXXX and am a XXXX. So maybe they are discriminating against me for who I am I am not sure but their excuse for the short sale does n't make sense since the short sale was XXXX XXXX and it is now XXXX XXXX. Please assist me in finding out what the real reason is why Planet Home Lending will not let me assume my soon to be ex-husbands VA Loan. I am a veteran as he is so there should not be an issue with the assumption, but I need an answer before we go to court so I know if I can ask the judge for the house or not. I can only get the house by assuming his VA loan and I can only due that through the bank that holds the loan.

Company response to consumer: Closed
Consumer complaint received 01-11-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: On XX/XX/XXXX {$1.00} and {$3.00} were attempted to be pulled from my Bank of America account, there were not funds in the account to cover and charges were returned and I was charged {$35.00} for each item. This is gross overcharging and I requested the fees be reversed.

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 05-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I never received any documentation other than a collection notice. I disputed the claim with TransUnion. They sent the results of their investigation stating that it was " VERIFIED, NO CHANGE ''. I called TransUnion and asked how it was verified and apparently they just called the collection agency and the collection agency said it was legitimate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: no verification nor not enough information

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (I do not know) with WELLS FARGO & COMPANY (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AN ACCOUNT KNOWN AS WELLS FARGO CREDIT CARD SERVICE HAS A CLOSED ACCOUNT SHOWING ON MY CREDIT REPORT THAT WAS OPENED ON XX/XX/XXXX, AND CLOSED XX/XX/. THERE IS NO MONEY OR DEBT OWED.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: I attempted to instate a credit freeze with Equifax, XXXX, and XXXX. All attempts failed beginning at XXXX XXXX. It looks like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put XXXX XXXX citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like Equifax, XXXX, and XXXX to have to ASK my permission to use my identity information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint relates to unresolved complaint # XXXX. 
The response submitted to me by Ocwen is not responsive. After spending approximately two hours on the phone with the Ocwen Ombudsman person assigned to my case, her response is still the same as when I filed the initial complaint. Her response still concludes that I am behind XXXX payment, which is precisely what my loan status was at that time. Despite confirming with her that every payment required by Ocwen of me - that being the regular principal and interest payments and repayment of outstanding escrow balance amounts - have been paid by me. The principal and interest payments due each month have been paid by me on time in the month due. The payments to repay escrow balances were fully paid by me once I became aware of the outstanding balance. There has been no outstanding escrow balance since XXXX XXXX, XXXX. 

After two hours spent, there was no dispute about this with her. 

I received a XXXX page response letter detailing Ocwen 's servicing procedures and accounting rules, which I do not care about. She concludes I am still delinquent by one month as of the date of her letter dated XXXX XXXX, XXXX. 

This simply can not be the case. I still need CFPB help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After multiple disputes with Trans Union they are still inaccurately reporting a late payment on XXXX on my XXXX XXXX. XXXX has sent XXXX requests for the information to be updated yet Trans Union has not updated the information. I do not have any late payments with my 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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 have disputed a XXXX XXXX Credit Card account on my Equifax, XXXX, and XXXX accounts several times. Each time I dispute the discrepancies for the last day of activity, close date, and payment history, and the disputes are returned as verified. I have sent a dispute online and also mailed a dispute letter requesting validation of this account. Equifax, and XXXX has failed to investigate this account and continues to report inaccuracies on my credit report. 
According to my research, XXXX XXXX is reporting to XXXX : a closed date of XXXX/XXXX/XXXX, high balance of {$XXXX}, and last date of payment XXXX/XXXX/XXXX, but no payment history. 
Equifax is reporting no close date, date of last payment XXXX/XXXX/XXXX, and no payment history. 
I am concerned that these accounts may not belong to me and/or the reporting to the credit bureaus may be inaccurate. XXXX XXXX has failed to provide any validation of this debt so I am submitting a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they XXXX and Equifax both state my last payment was made on XX/XX/XXXX and my balance is over 19,000.00. XXXX states they manually updated my correct Balance. You will also see in the screenshots that Equifax just updated my report on XX/XX/XXXX and the balance still is over 19,000.00 and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Student loan (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I filed and got a chapter XXXX discharge in XXXX 2011, XXXX of my creditors was XXXX XXXX for a career loan through a non credited school, which was included in the Bankruptcy. I have started to get calls from XXXX XXXX XXXX systems of XXXX, Ohio as of XXXX XXXX that my career loan was not qualified for XXXX. And I have to pay the full amount. After XXXX years? I have contacted the XXXX XXXX loans and confirmed the loan is not a Federal Student loan. This loan was a signature loan for {$50000.00} and now the XXXX party collection company is claiming I owe {$12000.00}. Looking for help to resolve this as I was under the assumption this was discharged as well. Under IRS policy this is not qualified as an student loan.The collection company has called my family members and stated this is an attempt to collect a debt ( why are they sharing private information with family and friends )?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was called about a debt that was written off XXXX years ago, by the credit card company. It was then sold to several collection agencies, before ending up in the hands of XXXX financial in Illinois. ( XXXX ). They never stated this was an attempt to collect a debt, nor read the " mini mirnada '' required by debt collectors. The guy then proceeded to insult me, calling me a child, a bum, loser and so on. 
I eventually hung up, but after working in collections for a short time, I know what they did is illegal and they need to be fined for this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a letter from XXXX XXXX XXXX stating the balance as of today is {$0.00} and a payment of {$330.00} was made on XX/XX/2017.

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 04-06-2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (TX).
Issue: Problems when you are unable to pay

Complaint: My father purchased a XXXX XXXX XXXX Pickup from XXXX XXXX XXXX in XXXX, TX on XXXX/XXXX/XXXX. My father was XXXX XXXX XXXX at the time he purchased the pickup. He traded in a XXXX XXXX XXXX pickup. Apparently, my late father did not attempt to negotiate with the dealer and paid full price. They gave him less than half of what XXXX XXXX XXXX says was the trade in for the XXXX XXXX pickup. Additionally, they sold him extras that were included in the financing. My father passed away on XXXX XXXX, XXXX so he had the truck less than one year before he died and he died owing Ford Motor Credit approximately {$32000.00}. My dad was making truck payments of {$690.00} per month which my sister and I do not intend to pay. Ford Motor Credit has not been at all cooperative. I took the truck to a local Ford dealer for an appraisal and they gave us an appraisal of {$25000.00} so there is a shortfall of approximately {$7500.00} between what the estimated value is and what he owed when he passed away. Ford Motor Credit insists that they want the full amount of {$32000.00} in spite of the appraisal of {$25000.00}. My fathers estate will take in the range of XXXX or three years to close. Ford Motor Credit called our probate attorney and said they would pick it up and take it to auction. Our concern is that they may sell it at auction for far less than the {$250000.00} then come back and expect us to pay the difference in three years when the estate closes. We offered to try to sell it for what it is worth and give them that amount with the expectation they would write off the rest. I feel this would be more than fair because I believe both XXXX XXXX XXXX and Ford Motor Credit may be guilty of something like elder abuse. They took advantage of an XXXX XXXX XXXX man whose health was failing. No, he would not have admitted that his health was failing and he was still handling his affairs. However, his mental capacity was diminished. Otherwise, he would not have paid full price for the truck and taken such a small trade in on his XXXX truck. I will also be writing letters of complaint to XXXX, my XXXX and the State of Texas. Ford Motor Credit has been pushy, unhelpful and uncooperative. They are treating us the same as they would someone who had taken out a loan and was n't making payments. In fact, even someone who no longer had the ability to make payments due life circumstances should be treated better. They should be working with us, not telling us what they want and what they will do whether we like it or not. Feel free to share this complaint with Ford Motor Credit and again, this complaint will not be my only effort to reconcile our grievances with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union glitch. Inquires deleted and reinserted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: they removed this info. from my credit report without my permission which is in good standards XXXX {$6000.00}

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I tried to have an account that XXXX XXXX XXXX even claims was fraudulently opened ( card was active and charged off in 3 months time w/ an unpaid balance ) REMOVED from my credit report as I am
listed as an authorized user and I NEVER enlisted myself to be one or was aware of this card in my name! XXXX swiftly removed this authorized user tradeline off of my credit report ( I have new credit I 'm
trying to build and this is SERIOUSLY dragging me down ) over 3 months ago. Contacted XXXX  XXXX but because it has been closed/charged off they wo n't remove me as an AU despite the fact they suspect fraud. Disputed it once manually with Equifax in XX/XX/XXXX and they wo n't remove it, so I submitted another dispute and I also came to the CFPB to get some potential help.

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 TRANSUNION INTERMEDIATE HOLDINGS, 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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from Loan Depot and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given XXXX XXXX OR XXXX Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Credit card) with CL HOLDINGS LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: there is a debt collection agency that continue to send me information on an account I never had after asking them for information that shows this lender info they stated that I will have to call the company myself after searching for the lender and also looking up reviews from this company, there is no way to reach the company that says I owed them money for a credit card I never had, I feel that if this is truly a debt I caused I should have the info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Carrington Mortgage has dragged its feat and unnecessarily delaying the processing of XXXX XXXX ' application seeking to modify her FHA loan, thereby damaging XXXX and XXXX XXXX. 

Carrington has taken more than 6 months to evaluate this application with a seemingly qualified borrower, but has utterly failed to communicate and to consider this request for mortgage assistance in good faith. 

Carrington Mortgage has failed to live up to its covenenant of good faith and fair dealing by failing to consider and evaluate XXXX and XXXX XXXX for a loan modification for their FHA loan, thereby violating the FHA Mortgage Servicing guidelines. 

The subject property address is as follows : Property AddressXXXX XXXX XXXX XXXX , OH XXXX

Company response to consumer: Closed with explanation