milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The collection agency namely XXXX keeps reporting information on my report that does not belong to me. They were unable to verify this debt belonged to me back in XXXX of 2015 and all XXXX trades were deleted well low and behold they are back at it again and the credit reporting agencies are allowing them to report this trade again even though it was deleted the last time because they could not verify any of the information pertained to me. Im sick and tired of doing this every 4 months I want these trades deleted from my reports at once and to never ever to return and I want this collection agency to be held accountable for falsely reporting information that does not belong in peoples reports. These entries have destroyed my credit score to say the least and they need to pay for this. I have disputed this again with all XXXX credit reporting agencies. It is your job to warn them them that these trades must never ever appear in my report again. Im not going to wait 30 days for another investigation I want these deleted like 5 minuted ago meaning now not 30 days from now but right now, Im tired of these collection agencies just doing whatever they please and have to not answer to anyone. I can not give you the full account numbers for the trades as the credit reporting agencies do not provide the entire account numbers for them. To put it plainly anything that says XXXX needs to be deleted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I called Shellpoint Mortgage to inquire about getting rid of PMI payments. I was told that I would need to pay for an appraisal at the cost of {$400.00} to determine the value of my home. On XX/XX/XXXX I sent a written request to Shellpoint requesting a home appraisal. Shellpoint ordered the appraisal and the home appraisal was completed XX/XX/XXXX. On XX/XX/XXXX, after not hearing anything, I called to inquire about my appraisal. I was told that a fee of {$620.00} was due for the cost of the appraisal, and only after that fee was paid I would get the results of the appraisal. I asked why the appraisal fee was so high and was told that they could not give me that information, nor was there anyone who they could forward me to who could. I also inquired about the bill that I never received for the appraisal. I was told that the bill would be on my XX/XX/XXXX statement. 
My first concern is the cost of the appraisal. The going rate for appraisals on a single family home ( my home at less than XXXX ft. ) are {$300.00} to {$400.00} at most. I do n't know why they are charging me {$620.00}. My second concern is that my appraisal was completed XX/XX/XXXX, if they are sending me a bill XX/XX/XXXX it looks like they want me to continue paying PMI at least 3 months after my appraisal was completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, 2016, I sent a letter to Transunion disputing an erroneous judgment that just recently appeared on my credit report. This error is preventing me from buying a car, renting an apartment, and from taking out loans needed to operate my business, thereby seriously damaging me financially. After 30 days of sending this letter, I received no response at all, so sent a second letter on XXXX XXXX. Again I have received no response, and this issue has not been resolved. 
The issue date of the judgment listed on my report was over 10 years ago, and it only appeared on my credit report sometime late last year. I found out it was there after being denied credit. I sent the same letter to XXXX on XXXX/XXXX/2016 and they promptly deleted the item from my report as it is very clearly in violation of Fair Credit Reporting Act. 
I am attaching copies of the letters I sent, along with certified mail receipts, and a copy of the letter I received from XXXX showing where they removed the item. 
Thank you very much for your help in resolving this matter. 
Best regards, 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 07-11-2017 about Debt collection (Medical debt) with United Consumers Inc (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: United Consumers, INC is a thir d party that opened on my credit on   XX/XX/XXXX , for {$460.00} I never entered into a contract for services with, they have put themselves on my credit report dropping my score, I have disputed them in  XX/XX/XXXX  in  hopes of seeing proof of any contract they hold with me entering into services for payment and they have yet to provide it. They are still on my report and it has been under dispute for 3 months with no changes. I have never entered into a contractual agreement with this company, and they will not be able to provide any agreement between them and I, so its unfair to stay on my credit report after a 3 month investigation.

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 07/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Settlement process and costs

Complaint: Dear SPS If you would assist me with documents I would greatly appreciate I have requested multiple times by phone and email Assignment of Mortgage New title Policy as of 2014 to show SPS as Beneficiary current preliminary title report shows XXXX Provide Beneficiary information not investor Explain why SPS is not on Preliminary title Provide who should be on preliminary title Explain and provide authority documents to move forward with foreclosure from prior to NOD, 2014 to current date Provide a copy of NOD and confirm debt on NOD if debt matches servicing of mortgage amount when transferred in 2014 not including escrow advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: " This is not a duplicate '' I filed a complaint with the CFPB on Attorney General and XXXX XXXX XXXX XXXX, after disputing the debt collection practices by the Attorney General and XXXX XXXX XXXX it was agreed that the debt be written off due to improper collections. On XXXX/XXXX/14 at XXXX the XXXX XXXX the dispute to XXXX XXXX XXXX XXXX XXXX the dispute. On that same day XXXX XXXX XXXX reported XXXX of those collections on my Transunion Credit Report. For months this has affected my credit and other litigations with in my processes. On XXXX/XXXX/15 I spoke with the Attorney General XXXX XXXX XXXX about the credit reporting, he stated that it had been written off. I had mentioned to him about the XXXX fair credit reporting act violation that were placed on my Transunion credit report. He stated that the Attorney General has nothing to do with those reports that it was XXXX XXXX XXXX I then asked if XXXX XXXX was n't hired by the Attorney General as a third party to collect on the debt. Thanked him for his time and then called XXXX XXXX XXXX XXXX to question the Fair debt collection practice and the Fair credit Reporting Act. I spoke with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, stated that " they were written off on XXXX/XXXX/14. After giving XXXX XXXX XXXX to correct the issue I had to file a dispute with the Transunion Credit reporting Agency, after investigations the Transunion Credit Reporting Agency removed the false reports from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This firm calls me several times a day at work claiming I owe a debt that I have never even heard about. I requested a validation of debt in writing and requested they cease calling my place of employment. They continue to call and have not provided a validation of the debt.

Company response to consumer: Closed
Consumer complaint received 09-06-2016 about Student loan (Federal student loan servicing) with Dream Center Education Holdings (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I 'm currently in debt {$15000.00} from a school who said they were all for my best interest but resulted in a pure scam. I was introduced to this school my XXXX. I went through all the steps of admissions and finally came the part when they took advantage of me financially. I was asked a series of questions about my financial background and my mothers background. When they found out I was poverty stricken they told my mother that since she had bad credit all she had to do was apply, she would get denied and when that happened I would be eligible for more money to further my education with the Art Institute. That 's exactly what happened she was denied and when the school saw how much I was eligible for they kept pushing for me to take out the maximum amount. Before I left my home state I was notified that I had a new financial advisor and that we would have to start the whole process all over again which means they would run my mothers credit again just to get denied and make her credit score horrible again. I started my 9 hour journey to Minnesota to start college and met with a man I never spoke with until that day. He put all these papers in front of me to sign. He told me that they were just the codes and conduct for the school and a few rules that I had to abide by. So I was a naive XXXX year old excited to be starting school in a different state, I just start to sign my life away not knowing what the consequences will be like later down the road. The whole time im being encouraged and rooted on by someone who 's supposed to be in the best interest for me financial wise. The semester progressed and I did n't hear anything from my financial advisor until the last week of the semester when it was time for student to start taking out money for the next semester. He told me I had to take out an additional {$4000.00} to cover the remaining fees and cost that were owed. I felt a little unsure because when I filled out my fafsa it grants me funds for fall, winter and summer semesters. The financial advisor tried to comfort me and just say that there was just a small amount of fees that I had left over and i 'd be all set for the remainder of the year. There I was again thinking that he knew what he was talking about and signed a way. After a year of pressure and constant reminders that it was in my best interest to take out multiple loans I was on the verge of XXXX and I had to move back home due to the constant pressures. Many years later I take a look at my credit report and to my surprise there was a amount of {$15000.00} that I was not aware of listed on my credit report. I 'm seeking any kind of help as well as loan forgiveness because I was not aware of any of amounts of money that I was being charged. The school I attended was The Arts Institute-International Minnesota.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm in the process of trying to get a mortgage from XXXX XXXX XXXX. In doing that XXXX looked at my credit report & saw some outstanding things:1.There was a judgement from XXXX back from XX/XX/XXXX which i do n't know anything about. 

2.There was a tax lien which I paid in full but needed it remoed earlier than XX/XX/XXXX in order for my credit score to go up to get a better mortgage. 

3.I also had a volunteer return for my old XXXX XXXX , but it shows as a " repo ''. I was behind a couple months, then I contacted XXXX XXXX & drove the car myself to the dealer where I ought it from to return it. Once XXXX sold my XXXX, they gave me a check for the difference in balance, so how can this be a repo if XXXX gave me a check for the difference when the vehicle was sold? 

4. There 's also a collector trying to get {$200.00} from when I was in the emergency room, however I have Full medical coverage from my work & i paid the co-pay to the hospital. The emergency visits are covered. How can the hospital try to collect from me, when I already paid the co-pays? 

I just called Experian & XXXX XXXX this morning to get all of the above issues investigated. However, I had to do with automated teller, then deal w/Phone operator which did n't have a good attitude, so I 'm afraid that they may not process correctly? I hope that you guys can help me in following up with them to make sure that they remove these outstanding issues in order for me to get a better credit score so that I may get this mortgage from XXXX XXXX XXXX & start a new chapter in my life with my wife. 
Thank you in advance for your help in this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I had XXXX mortgage loans with chase bank. Some time ago I experienced hardships paying those mortgages so I went about filing for a modification on those XXXX loans. I was approved for a modification through a chase program for the XXXX loans. Turns out in the interim of chase modifying my mortgage they sold off the smaller loan, so the modification was in jest only for the XXXX loan ( which it lowered the total amount, not by much but some ). I did n't find out that chase had sold off the smaller loan until the company contacted me, and this new company ( considering it 's my XXXX mortgage ) is not willing to do any modifications and I do n't qualify for the harp program. My question is if I started off modifying both loans with Chase why is it that they decided to sell off the smaller loan, I was under the assumption that the modification program was to help " regular people with hardships ''. I believe that Chase had no intention of modifying the XXXX loan from the very beginning. Now I am dealing with the same payment on the XXXX loan as I had from the very beginning ( I took out the loans in XXXX ) If Chase is not going to be held responsible for dealing with my XXXX mortgage what options do I have with dealing with this other company?? The XXXX mortgage company name is XXXX XXXX XXXX and is definitely not user friendly!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an adjustable home mortgage mortgage with Chase that adjusts each XXXX. Chase sends multiple bills each month and I paid several months in advance without being aware of it. The monthly bills I receive from Chase state the due date for the payment but did not change after I paid several months in advance. I timely paid the correct amount for XXXX XXXX and XXXX XXXX using the Chase bills that indicate the monthly payment and the due date. Unknown to me, Chase imposed a " corporate advance '' allegedly to keep my mortgage in good standing when I paid my XXXX XXXX bill because Chase " credited '' my XXXX XXXX payment against my XXXX XXXX bill ( which had slightly gone up due to the yearly adjustment ). All of the mortgage bills were timely and completely paid. For example, my XXXX XXXX bill was timely paid using the Chase bill statement which indicates a due date of XXXX XXXX, XXXX. Chase nevertheless is charging me for " corporate advances '' XX/XX/XXXX and again in XXXX because they made up the difference between the XXXX and XXXX figures ( which I timely paid anyway ). I have written Chase and talked with them on the phone and they have refused to delete the charges they call " corporate advances '' despite the fact I have timely paid the complete mortgage payments due. I will try to forward a copy of one of my letters to Chase to you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (I do not know) with Southern Management Systems Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a student attending to XXXX and leased an apartment for a year from XXXX XXXX, XXXX XXXX to XXXX XXXX made all the payments and gave notice of non renewal in advance. Inspection was done on XXXX XXXX and the administration office advice me of everything been clear when I turned the key. 
I check my credit report about a week ago and find a surprising collection for {$100.00} that I do not owe.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries on report that are unknowing. Contacted companies and was referred to contact XXXX. When contacted XXXX customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I get 3-7 calls a day at all hours. I 've been woken up in the middle of the night, interrupted while with family, etc.
I asked them to stop and it seems like they have increased frequency instead.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I purchased an auto through Navy Federal Credit Union. They also required me to send them the title showing they were first lienholder on the auto. I got sick had to move to a XXXX facility and put all my furniture and paperwork in a storage facility. It was there for over 3 years. They never received it. They sent me a letter stating since I could not provide the Title to them. They were going to change my loan status to a consumer loan and charged me more interest, Which is what they did. I would like you to challenge Navy Federal and have them show you proof of title and proof of being first lien holder on the auto. They are presently showing a charge off on my credit report for an unpaid auto loan. Which is presently prohibiting me from refinancing my present car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an outstanding balance on my XXXX account. The debt was placed for collections with XXXX XXXX XXXX , XXXX. I agreed to a debt setllement with XXXX for XXXX of the outstanding balance. The last settlement payment was made on XX/XX/XXXX. XXXX shows my account as settled with a XXXX balance. I received a letter from them that the account was now closed and they would inform their client that the settlement was paid. XX/XX/XXXX, I received a collection notice from Allied Interstate LLC for an amount of XXXX for the same XXXX account. I have contacted them on several occasions and also mailed copies of my completed settlement letter from XXXX and they still call my work and home phone several times a day trying to collect on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: there is a bankruptcy showing on my credit report that should not be there. it was never done, the lawyer which filed it refuses to remove it. I learned about this when I was attempting to get a loan on for a car. it shows a bankruptcy was filed, but it never was, it never went to court and had never began or completed in any way and I need it removed. the lawyer that had filed it will not take any action, when i contacted them all they would do is send me a copy of the initial paperwork and the document stating it was not done. I have copies on my phone but am not able to transfer them onto here to submit.

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 01/25/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Servicing issue. My PITI monthly payment is $ XXXX/mo I routinely pay {$2500.00} or {$150.00} extra which I intend to be used towards princiipal. This is not applied ( I assume it would allow me to avaoid a little ineterst. Servicer is un willing to make this change except on a month by month basis- they want me to provide a letter each month that I over pay. Ditech For some reason this does not feel right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation