milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2015 about Debt collection (Auto) with Sentry Recovery and Collections, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2015 I made a request for VALIDATION of Acct # XXXXat SENTRY RECOVERY. The client has requested this account beclosed. Received a letter on XXXX/XXXX/2015 Stating this. copy of letter inside. It is XXXX/XXXX/2015 and this account is still being report to the credit reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO XXXX AND EXPERIAN AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.

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 05/20/2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax has taken almost 2 months and as you can see it is still in dispute with no date in sight to get back with me. I have been very patient for 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, my mortgage loan was transferred without notice from XXXX XXXX XXXX to Nationstar Mortgage. I continued to pay XXXX the monthly mortgage and was assessed a late fees and received bad marks on my credit because I did not know the payee had changed. In XXXX XXXX, my regular payment was not credited to my mortgage. Instead Nationstar put the money in a 'reserve account ' and has since used it to pay a {$200.00} increase in my monthly payment. ( My ARM is not scheduled to increase until XXXX XXXX All of this was done without any notice to or agreement by me. I 'm concerned about making any payment as it may, again, be used for a purpose other than my contracted mortgage payment.???

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed chapter XXXX bankruptcy in XXXX. Experian Credit Bureau is allowing XXXX XXXX and XXXX XXXX XXXX to report fraudulent information towards my credit report. The XXXX XXXX account number XXXX reported a failure to pay in XXXX. XXXX XXXX was included in the bankruptcy. Payments were made to them starting XX/XX/XXXX and the account was paid off XX/XX/XXXX. First, how can I have failed to pay in XXXX, when the account was paid in full with interest in XXXX? Second, it 's my understanding that when accounts are in chapter XXXX bankruptcy, there will be no negative marks against them. In addition, I have XXXX accounts with XXXX XXXX XXXX that were XXXX also included in the chapter XXXX bankruptcy which was filed in XXXX. But, in XXXX, both accounts have a failed to pay mark against them. This failed to pay mark was done after I filed the bankruptcy. Of all the accounts I included in the bankruptcy, only XXXX XXXX and XXXX XXXX still exist of my credit report. Why is this? The bankruptcy is public record and had Experian verified this fraudulent information, I would not be going thru this. When my Experian credit report is pulled, it states that I have serious delinquency and time since delinquency is too recent. I have several accounts opened and closed right now, where in over about 18 months, I have not missed or been late on any payments. These negative marks have caused me to be denied credit and I 've been charged outrageous interest rates. In addition, there is an account with XXXX XXXX XXXX XXXX my credit report. This is not my account. Again, had Experian verified the information they receive, this account would not be on my credit report.

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 03/21/2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On Friday XX/XX/2018 I spoke with Collections Supervisor XXXX at Wells Fargo at XXXX in reference to inaccurate late student loan payments XXXX60, XX/XX/XXXX-30, XX/XX/XXXX-30, XXXX30 that was reported to XXXX, XXXX and XXXX for a loan that I am a cosigner on. This loan was in forbearance for a long time then for some reason unknown to my self it came out of forbearance according to XXXX. I was never properly notified so obviously I was unaware of this change. In my conversation with XXXX he acknowledge that he had the wrong city for my address and this may be why I never received any notices. Also, XXXX stated I was never called from his records to notify me of this change. Without proper notification I believe this is a violation of Fair Credit Reporting Act. This has caused duress and a financial burden because it has hinder my ability to purchase investment property. After speaking with XXXX the account balance in question was paid on Monday XX/XX/2018. All late payments should be removed because Wells Fargo failure to properly notify me. I pray that Wells Fargo will do the right thing and correct this severe error.

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 05/16/2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My younger brother and sister opened up the account on   XXXX   XXXX   when they were shopping for a  XXXX  gift for our mother and realized they did not have the funds, but Target offered them the option to open a card and have the payments due at a later time.     I was not aware it was opened. I did not receive any mailings because the wrong address was on file. An old driver 's license was used to open the account.     I realized the debt existed when I saw on my credit r eport that two mis sed payments were reported.     I have gotten nowhere with speaking to Target on the phone on   XXXX   XXXX   and on   XXXX   XXXX  . I also visited the store on Friday   XXXX   XXXX   and was told that nothing could be done regarding the account, past balance, or anything.     I tried getting the most recent late fee removed, or offering to settle the account at 90 % of the balance. Both were denied.     I am looking for a small measure of debt relief on a fraudulently opened account that I have proof it was never activated after the initial purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have requested debt validation from this company on several occasions and never received it. I have never heard of AD Astro Recovery nor did I sign an type of contract with this company. I have tried to contacted them several times to resolve this issue with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on my loan last year and escrowed for taxes and insurance- I have repeatedly submitted a copy of my HUD 1 and Initial Escrow Account Disclosure statement which clearly identifies that my account was set up with escrows for both taxes and insurance. I had to submit the documentation several times and Ocwen refuses to acknowledge that I am escrowing for insurance as well as taxes.

Company response to consumer: Closed
Consumer complaint received 01-11-2018 about Debt collection (I do not know) with PNC Bank N.A. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My husband and I used a PNC home equity loan to pay for golf school for our son in XX/XX/XXXX or so. The loan was backed by our home. We sold the home in XX/XX/XXXX so all should have been paid but they were not unknown to us. We received 2 late notices for XX/XX/XXXX & XX/XX/XXXX. Then started to make the payments. In XX/XX/XXXX they sent a bill for {$32000.00} to be paid in full. We have reached out several times for a payment plan but they will not work with us. We went Into the bank to apply for a loan but since we dont own a home for collateral they will not give us a loan. We called the XXXX number and had the problem w the escalation team. I have not had a phone call to give status or resolve this. We tried to use the home we are building as collateral but since the closing has been pushed from XX/XX/XXXX to XX/XX/XXXX they will not work with us. They are destroying our credit to where we cant get any loan. PNC had a lean on the house we sold. We are trying to file a claim with the closing company. XXXX XXXX XXXX. Attorney XXXX XXXX XXXX but he has not responded. 
I tried to call the president of PNC bank XXXX XXXX with no success of a return call. I dont know what to do get the loan paid off and fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (I do not know) with Machol & Johannes, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For approximately the last year, the law firm of Machol & Johannes , LLC has been repeatedly contacting myself and my parents in an attempt to collect a debt that I do not recognize. Per the office, their client obtained a judgment against me in 2010 ; however, neither myself nor anyone at my place of residence was ever served with any paperwork to notify me that I needed to appear in court. 

Each time the law firm calls, I ask them what the debt is for. On several occasions they have stated it was a credit card for several XXXX dollars. I have never had a credit card with a limit higher than {$1000.00}, if I remember correctly the highest limit I have ever had is {$750.00}. 

I offered to discuss payment options if the firm provided me proof of service and verification of debt. I have requested XXXX these items multiple times and the woman I speak with, XXXX XXXX, refuses to provide me any additional information. She has raised her voice at me, hung up on me during our conversations, and not returned my calls when I request additional information. 

If this is a debt that I do owe I am willing to attempt to make payment arrangements ; however, I am not going to blindly send in money to a law firm without any documentation evidencing where the original debt was originated, details of the dollar amount that I owe, and proof that I was served paperwork and given the opportunity to appear in court as I was never made aware that there was the possibility of a judgment being entered against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: I was charged a $ XXXX monthly fee on my checking account. The first month it happened I called Wells Fargo Bank. They refused to reverse the fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To the Attention of TransUnion and the CFPB : I have repeatedly attempted to contact and dispute XXXX accounts reported by XXXX XXXX XXXX both by certified mail and also through the CFPB portal in order to have XXXX erroneously reported items removed from my credit reports. Accounts XXXX, XXXX by XXXX XXXX XXXX previously been deleted from my credit reports under XXXX for the amounts of {$280.00} and {$320.00}. These charges are not mine and were never verified to me under FDCPA guidelines and were promptly deleted by the company. Now, XXXX XXXX XXXX has reported the same accounts simultaneously and has ignored my letters of disputes and requests for them to cease and desist under federal laws and guidelines. I have asked them to stop their harassing abusive communication tactics and they have refused to cease and desist. I have enclosed my return receipt and my certified mail return label dating XXXX XXXX, 2015 so that you are aware that over 30 days has passed and this item was never placed into a formal dispute, which is required by law, with the credit bureaus following my letters requesting proof and validation and prompt deletion. I have never been serviced at XXXX hospital and these accounts are fraudulent. I have placed a fraud alert on all three of my credit reports and expect these invalid and duplicated accounts to be deleted from my file immediately. It is illegal to report fraudulent and erroneous information on my file and what 's making this situation worse is that they continue to ignore me and my concerns and keep re-repoting the accounts under different names. I have filed a CFPB complaint against them under XXXX and I would like your bureau to be aware of this. They have violated FDCPA Laws and have harassed my family and left automated phone calls on my handheld phone and have left pre-recorded messages regarding the erroneous debt that they claim I owe. They have not initiated a dispute after I have requested XXXX in XXXX. The only update I have received from them was an update that the credit report to claim that their accounts meets FCRA guidelines, which they do not. Nor do they follow the Fair Debt Collection Practices Act and this agency violates the laws surrounding them. By law these accounts, which are harming my creditability with furnishers, need to be removed immediately. 
Thank You so much for your time. Sorry, but the collection agency is not available on this database and is not responding to me. But it is unlawful to report these accounts to my credit report. please delete them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with M.A.R.S., Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I was served eviction papers due to a month of non payment, which we were withholding due to a breach of the lease that led to habitability issues. In court, we settled. We provided {$200.00}, and they let us out of the lease. All to be concluded by XXXX/XXXX/XXXX. One XXXX/XXXX/XXXX the case was dismissed by the former landlord as settled. Then the landlord, through a bogus company, submitted a claim to the debt collection company reported for {$1000.00}, There was no protocol in place for investigating what was clearly a fraudulent claim by this landlord, and this company in spite of never contacting me, had a derogatory mark placed on my credit report. They did contact me by phone, but never in writing ... and over the phone I expressed that this was an error. I sent them a copy of the lease and a copy of the disposition. ( They state they never received those, but do admit that I made it known that it was not accurate at that time ) They did not investigate when the fraud was initially perpetrated, and they did not any time subsequent for 6 years ... that 's right, they knowingly kept an erroneous mark on my credit report for 6 years. I now have a letter, they just sent it today via fax, that states that the account was turned to them in error and 6 years later, they will finally have it removed. There was never any written information provided until this very moment. As a point of issue, the letter they sent today was an address I held for two years and not a single letter came from them to this address. The claim was, according to the collection agency, supported only by a lease and a statement of non payment with no other verification sought or needed. I believe them to be initially grossly negligent before providing derogatory information to the Credit Bureau, but further had a duty to investigate upon first indication that the information was incorrect, in spite of their claim that they never received anything in writing. They WERE informed, and they actively chose to ignore this information. In doing so I believe they were willfully publishing incorrect information on my credit report, without providing instruction on appropriate dispute procedure, ignoring appropriate dispute procedure and ignoring federally mandated protocols for fair resolution which led to significant troubles gaining housing, medical care and employment. The fact that now they admit it was given to them in error, although they could have checked when initially notified but chose not to is inexcusable in this line of work, and a breach of Federal Law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a federal student loan from XX/XX/XXXX, and no matter how much I pay, I ca n't seem to get this loan paid off. In XX/XX/XXXX it was for {$31000.00}. I graduated from the program ( it was a graduate program ) XXXX years later, and began to pay the loan. In XX/XX/XXXX, I was home on XXXX and since I was working XXXX meant no income. I made arrangements for a forbearance. At no time was there any mention of increased interest or fees. However, when I began to work full time again in XX/XX/XXXX ( I actually began to teach as an adjunct in XX/XX/XXXX, but the pay was very low ), I began to make full payments again, and that was when I saw that my loan had ballooned to {$38000.00}!. I have been paying more than the monthly amount for years now, and the loan reduces very slowly. It does n't seem correct that after all this time, I am still paying this loan back in XX/XX/XXXX. Please look into my situation and see if something is incorrect. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (HI).
Issue: Application, originator, mortgage broker

Complaint: We have been in our home since XXXX. In XXXX, we changed our loan, due to the APR and balloon payment of our XXXX mortgage. XXXX, was the loan processor, here on XXXX. Somewhere in this transaction, there was rob-signing, along with some other issues on the loan. Over the next few years, our loan was bought and sold XXXX times. I processed a loan modification in XXXX, which was approved. Our payments had been around {$4200.00}. with tax and insurance, and were reduced to {$3300.00}. per month. In XXXX, I was put off work by physicians, and we were having difficulty with the mortgage. In XXXX, we applied for a HAMP, ( loan mod. ) and were refused. We have since employed a person for assistance with this issue. It was discovered that our loan, was indeed, fraudulent. Since this time, we have been trying to resolve this issue. We were served Summons papers on XXXX XXXX, regarding a threatened foreclosure on our home. We were to file with the courts, what our intention was, on our property. The summons came from the office of XXXX XXXX. Our issue is with XXXX, and their service company, OCWEN. When XXXX XXXX was contacted last week, they stated, " we do not have a loan with XXXX and XXXX XXXX ''. They could not find us in their system by name or social security number. We submitted on XXXX XXXX, a dispute regarding the multiple offenses regarding our loan. I have attached several letters written by our representative, which were sent to the Court, and the office of XXXX, attorney at law, on XXXX XXXX. These letters are of great concern to us, and we really need our loan, looked at. I will forward our latest billing from Ocwen, which includes penalties, and late fees. This will have our loan number on it. Also I will attach the Summons, and XXXX I will send the XXXX letters written and delivered to XXXX, and the XXXX XXXX, XXXX, Hi I also need to know if this person helping us is fraudulent in any way. Her name is XXXX XXXX, XXXX XXXX XXXX. I also would like to know if XXXX XXXX XXXX has any bad reports. I just started talking with XXXX XXXX XXXX ( XXXX ) regarding this issue and they recommended a quick short sale. We are so confused at this point, we do not know who to trust. Please help ASAP. We only have a week to decide and file with the Courts if we want to short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (CT).
Issue: Other

Complaint: I write you as I believe I have been the victim of a consumer fraud across state lines which warrants a a certain level of investigation. What at first glance may appear to be a minor commercial dispute actually raises some very serious issues concerning consumer credit laws as well as IRS tax exempt status of the parties involved. 

XX/XX/XXXX I was illegally charged a {$200.00} membership fee on my Diners Club card ( XXXX ) by the XXXX XXXX XXXX through its proxy service agreement with XXXX. The XXXX XXXX XXXX claimed that I had authorized an automatic annual renewal of my membership for over {$200.00} per year. I never authorized the XXXX XXXX XXXX to automatically renew my membership nor did I authorize XXXX to automatically renew my membership. Furthermore, I never authorized the XXXX XXXX XXXX nor XXXX to hold and maintain my credit card information. Thus their actions were illegal. 

When protested and demanded that the XXXX XXXX XXXX reverse my credit card charges they refused to do so. It is my contention that the XXXX XXXX XXXX as an IRS sanctioned tax exempt organization crosses the line when exhibiting this behavior and should lose its tax exempt status. It also my contention that XXXX has built its entire business aiding and abetting this nefarious behavior by the XXXX XXXX XXXX and the other tax exempts that are its client base. XXXX should be ordered to cease and desist from these business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation