milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: To Whom It May Concern, I received a notice of data breach from Equifax on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc. 

Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including Equifax remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have made numerous attempts to explain the situation, filed out paperwork, sent legal documents. They never reply, call, or send a response.. 
The issues are that i did not initiate this loan. They have not sent one piece of paperwork to me in years. I, on the otherhand have. 
They are not reliable or trustworthy

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. (MD).
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 contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a 3rd party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.

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 07-05-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've mailed a certified letter to Equifax on XXXX XXXX, XXXX and XXXX. XXXX, XXXX regarding incorrect reporting of my XXXX XXXX XXXX student loans. Despite XXXX written requests, including original documentation from XXXX XXXX to support my dispute that XXXX XXXX has changed their name to XXXX and the XXXX delinquent accounts on my Equifax report should be reporting CURRENT they still remain on my credit in violation of Federal Law. XXXX XXXX changed their name to XXXX on XXXX XXXX, XXXX and all my loans through XXXX XXXX and XXXX were never reported past due or late in XXXX or XXXX XXXX or XXXX XXXX. Please see attached documentation from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Credit line increase/decrease

Complaint: I have a MasterCard with CapitalOne XX/XX/XXXX they offered me a {$50.00} a month or more payment plan to increase my credit limit from $ XXXX- {$900.00}, I not only made payments on time and more than thee amount I also paid off the card in its entirety along with my XXXX card through them, in XX/XX/XXXX I personally requested XXXX increases on both my MasterCard and visa credit card which I was granted my credit limit on my MasterCard went from $ XXXX- {$1500.00} and I was supposed to still receive my increase automatically for capitalone on XXXX/XXXX/16 I did not receive my increase so I called and was told since my bill comes out on the XXXX/XXXX/16 I would get my increase then, I had also called a few weeks prior and spoke with XXXX different people and was ASSURED that I 'd receive my increase because I received a message stating CONGRATS YOUR INCREASE CAME XX/XX/XXXX, the increase that I PERSONALLY REQUESTED so I called them up immediately and explained that they still owed me in increase they said you 're right XXXX XXXX we apologize you will definitely get it on XXXX/XXXX/16 FF to today XXXX I call because I still do n't have my increase I speak with an accounts supervisor who once again tried to pass off my personal request for an increase as part of the plan and then after doing further review she stated on you 're right but you actually wo n't get it until XXXX, XXXX which is 7 months not 6 months, I am very upset and I am not waiting anymore I want the increase that is owed to me and I want it TODAY or I will sue capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Credit card) with Selip & Stylianou, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I requested validation on this account from someone i never heard of in XXXX of 2016. I never got a response from the agency aptempting to collect but fastforward 4 months later i get a letter being sued by this company.

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 08/14/2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (CA).
Issue: Trouble during payment process

Complaint: We have mortgage with the M & T Bank for our property located on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We paid {$150.00} more with our XX/XX/XXXX mortgage payment for the shortage in the Escrow account. My wife called M & T Bank and asked them to deposit this additional amount of {$150.00} to the Escrow account. But they did not deposit this amount in the Escrow account.

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 06-03-2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (CA).
Issue: Trouble during payment process

Complaint: Our original loan was with Everbank, who then sold the loan to " XXXX '' and the loan is administered via " XXXX ''. <P/>
Our loan was set-up always to escrow for taxes and insurance with direct pays to the taxing authority.
<P/>
We received a " Notice of Tax Delinquency '' from the County of XXXX XXXX  for a installment payment that was not paid by our loan administrator and a penalty was also assessed. <P/> XXXX  was notified by us immediately and it has been over a week and they still can not or will not tell us when the overdue tax bill will be paid from our escrow account and that they will pay the penalty.
<P/>
They were also unwilling to send us a letter of explanation on what is going on with this after they had over 1 week to resolve this ; we are in a state of uncertainty now with other financing activities potentially at risk due to this delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
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: Hard Credit Inquieries, Capital One reports that they conducted a Hrad Inquaiery on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I nevery request any credit with them, knwoing that this would hurt my Credit Score. They  refused to assist me with the removal of these inquieries.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Medical debt) with Carter-Young, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Identity theft victim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Loan modification,collection,foreclosure

Complaint: We are attempting to do a loan modification but the lender keeps telling us we need to submit information and we do and then they tell us we are still missing info. This has been ongoing since XXXX of this year. We hired a consulting firm and they submitted our mod documents but the lender is dual tracking on us for the modification.

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 09/26/2016 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on my home on XXXX/XXXX/2016. My mortgage was paid in full with dovenmuehle mortgage under loan XXXX. The mortgagee did not post the payment until XXXX/XXXX/2016. I then submitted a change of address in writing with Dovenmuehle on XXXX/XXXX/2016. After not receiving my refund I called back on XXXX and I was told the address change was never received. However they gave me the exact same email XXXXXXXXXXXX to send it back to. Therefore, I filled out another change of address and sent it back. I was told I had to wait 30 days for them to reissue another check which I found unreasonable but I did wait until XXXX. On XXXX I was told it would be another XXXX7 days to research if the check had been cashed. So I called back on XXXX to see what progress had been made. I was told the 5-7 days was not up and that once they verified the check had not been cashed they submitted a request to " cut the check '' which takes XXXX7 days and from there the check then goes out another XXXX7 days later. I verified this by asking the rep, " so it will be another 14 business days? '' She said that was accurate and that 's when I said this was unacceptable. I pushed through XXXX different supervisors. Someone did not put me on hold properly and I witnessed the rep 's discussing how difficult I was being. Then a supervisor got on the phone and said they would try to direct deposit the refund in 72 hours. We will see if that happens but I have my doubts. I am going on 60 days since I closed my loan and this mortgagee still has my {$2900.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Trans Union Dispute Department XXXX, PA XXXX XXXX ( SSN # XXXX ) XXXX, Georgia XXXX Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. " This Is Not a Dispute '' Public Records-Judgments XXXX XXXX XXXX Court ( I never served with the appropriate paperwork. Please accurately report this information or delete from file. ) No Plaintiff. 

Identification Number # XXXX Claim Amount {$32000.00} I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g Section 609- Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed. Please communicate your intentions in writing. 

Regards, 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 07/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transfered to Residential Credit Solutions , Inc effective XXXX 2015. I did not receive a new account number and payment information from the servicing company until mid XXXX. Since then I have made payment as required monthly, however, residential credit solutions inc has not been applying my payments since XXXX to date to my mortgage. Instead, they are charging me late fee monthly and reported the account as past due on my credit report. Every attempt to straighten out my account has failed. I was promised several times that they will apply my payments but nothing has happened to date. I have copies of processed checks to proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I requested verification on the alleged debt AD Astra Recovery Services , Inc is attempting to collect on. 
I called the company on XXXX/XXXX/2017 and requested verification along with the original lender 's information, so I may investigate the debt said owed. 
I also requested a copy of Ad Astra Recovery Services , Inc 's license number to verify if the collection company had the legal right to collect in the state of TN. 
I was told by the representative I do not need to know that information and he was not obligated to give me information on their license to collect. 
He also told me Ad Astra Recovery Services , Inc is licensed in all 50 states. I have learned the company is not license in the state of TN. 



This account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not license to collect in the state of Tennessee. 


Please assist me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am contacting you again about XXXX XXXX XXXX for the 4th or 5th time. I have been forclosed, and now dealing with a company for a cash for relocation package. The offer is {$4300.00} and I asked for the max. of {$10000.00}. I asked for the max. because of the previous complaints have never been resolved or fairly addressed. The company is XXXX and they say they " are not Ocwen and that Ocwen is just their client ''. I now clearly see that they are one in the same. They are " in bed with Ocwen ''. Ccwen clearly knows that they are cheating me. They did extend my time to vacate until XXXX XXXX, and I 'm grateful and thankful. They did not give me {$10000.00} and I 'm very angry and feel so violated and humiliated by the {$4300.00} offer, but I accepted knowing that I would continue to seek my stolen money from Ocwen afyer I vacated. Here is my new complaint, upon receiving the documents, there is a # XXXX.on the rules that frees Ocwen from any futher claims or liabilities in the future or the past.UNBELIEVABLE Now I see why when I sent the proof to Ocwen they said they did n't respond. They are one in the same ( Ocwen and XXXX ) Here are facts on my issue. 
1.A history of XXXX-XXXX servicers throughout loan, and I have recepts of checks that are not listed on payment history that I did n't receive credit for and Ocwen has the proof, the copies of the cancelled checks. 
2. When the house was in XXXX different bankruptcy cases, payments that were allocated from the trustee to the servicers ( XXXX additional servicers not including Ocwen ), is not credited on the loan. I have pointed this out to Ocwen and sent proof, and they refuse to do anything about it. 
3. They illegally forclosed, added a new bank without notifying me of the bank. 
4. Refused to offer the XXXX and only offered XXXX 5.I am now homeless, have a income of {$1200.00} a month. My spouse is a XXXX veteran and is in a medical facility and his total income goes to that place. 
6. I keep asking for the XXXX amount and they refuse to give it to me. So now, Ocwen will set us up for a bad tax liability, that will probably take up further downhill. Basically they will still from us for the second time on the XXXX! 
6. NOW THE DOCUMENTS THAT I 'M SIGNING TODAY ( DEDADLINE TODAY ), I HAVE TO GIVE UP THE RIGHT TO GO AFTER THE STOLEN MONEY AND LOOK FORWARD TO ONLY XXXX INSTEAD OF XXXX! BUT HOMELESS, I HAVE NO CHOICE, TO TRADE A THEFT OF XXXX XXXX FOR XXXX! I SEE WHY OCWEN NEVER ADDRESSED THE MONEY! 

THIS IS THE AMERICAN DREAM!

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax stated I had to mail them a request for a free annual report. I had no problem at all with XXXX or XXXX obtaining a free online report. 

This is simply an attempt to avoid providing a free annual report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was serviced through XXXX XXXX and sold to NationStar. I have never missed a payment with XXXX but from the beginning, I was told that I was behind in payments from NationStar.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction issues

Complaint: I sent 200 dollars to XXXX for my mohter using Western Union on XXXX, after XXXX attempts to collect i called Western Union XXXX XXXX who indicated it was best to cancel the transfer. It was canceled over the phone but i never got a refund, after XXXX calls to their customer support, today being XXXX, i have ran out of options, so i 'm filing a complaint here. The money transfer was charged to my bank account despite the cancelation, and Western Union has n't been able or willing to provide a refund for a service it never rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owed this debt which I have paid after they offered a settlement. After the amounts was paid and check cleared I have still been receiving phone calls. I called them twice and spoke to XXXX different people which XXXX have said the account was taken care of and a letter will be sent out to confirm the debt has been settled. I have not received that letter yet, credit reported not yet updated, and the calls still keep coming in. The XXXX people I 've spoken to said the calls should stop, but they have not and they do not know why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX we received our XXXX from US Bank, and filed our taxes. In XXXX we received a corrected XXXX although it matched XXXX received in XXXX. On XXXX XXXX, 2016 we recieved letter stating both XXXX were incorrect and we would receive a corrected XXXX in XXXX to 15 days. On XXXX XXXX day XXXX from letter I called and was told they had still not been done and they would be mailing soon. Although no date has been set. In addition US Bank had been overcharging us on XXXX XXXX Taxes. I called to have our file reviewed and 3 times they closed or went past due date to refund us our overage in our Escrow account. It took many calls and each time they danced around and are still holding over a 2 month cushion in my Escrow account. They keep saying they are holding 2 months extra of Homeowners Insurance. They do not pay that, we paid for one year in our closing and pay out of our own pocket each XXXX. Morally this company is holding overages on Escrows, not responding or mailing out forms in a timely manner. We will have to refile our taxes and yet ca n't even seem to get our corrected XXXX. Please help the customers of US Bank I am sure I am not the only XXXX they are doing this too. They need to be investigated and audited. 

Thank you 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 08-01-2016 about Mortgage (Conventional fixed mortgage) with Pacific Union Financial, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankruptcy on XXXX/XXXX/15 all while I was in bankruptcy I made all payments like normal and I also signed an affirmation to affirm on my mortgage so that I could keep my house. well recently here went to go shop for and automobile found out that my score was really low. got home that afternoon and check my credit report and found that my mortgage co. Pacific union financial has not been reporting my payments on my credit report. which has dropped score. I have made all my payments on time. and now its time for another payment, I 'm thinking twice about making payments until they correct this error on my bureau. and Pryor to filing bankruptcy I refinanced my loan with the same company, Pacific Union financial and they are showing that account in bankruptcy as well but should be showing paid in full. can someone here please help me with this situation. 
Thank in advance XXXX XXXX XXXX XXXX. 

being made on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation