milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Back in XXXX of this year, I placed an order from a company in XXXX XXXX XXXX XXXX ), for some make-up items. Unbeknownst to me, the company shipped the order in way where I was to be charged for freight, even though their website guaranteed a fixed cost for shipping and delivery to the XXXX within XXXX business days. They used XXXXXXXX, and they also included a wrong telephone number to contact me. 

Apparently, XXXX tried to reach me numerous times but, since they had a wrong phone number, they could n't. When days were going by and I still had not received the order I contacted the company via email. They were very unprofessional and after much back and forth, they provided the airbill number to the package and I was able to contact XXXX to retrieve it. 

They delivered it to my house, and never told me I would be billed extra for accepting the package ( which would have given me the option to refuse it XXXX. About a month later I received a bill for over {$120.00} from XXXX for freight charges ( more than double the total cost of the order ). I called and explained to them the circumstances, especially that the merchant had been deceitful and was now no longer responding to me, but to no avail. I know they are required to tell me about any extra charges for picking up a package but they never did. Since I order from abroad all the time and this has NEVER happened to me, I had no reason to think otherwise. 

Since then, they have referred me to a collection agency, threatening my credit and are also now charging interest ( see attached copies ). I have filed a protest ( also attached ) with the XXXX Customs and XXXX XXXX ( as suggested by XXXX themselves ), as well as an amendment and sent it to them, but everything seems to be falling on deaf ears. 

Please, can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (KY).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2014 I moved out of state and put my home up for sale. After almost a year of not receiving any offers, my realtor suggested that we do a short sale. In XXXX of this year, we received an offer and I filed an application with Quicken in XXXX for them to give approval for selling the home below the loan amount. I was told that I would first have to go through the application process to see if I can stay in the home. I told them I had already moved out of state and had no interest in keeping the home. They insisted that there is no way to skip this step and that I would have to wait a month for that portion of the application process to be completed. After submitting documents to them on several occasions, I was finally given an answer two months later in XXXX that my application was rejected. In the meantime, the buyer for the short sale walked away from the sale. They then asked me to submit the same exact application to be considered for a short sale. I resubmitted the application in XXXX. I was told that it would be another month to process. Then, if they accept to short sale the home, I would have to put the home on the market for another 120 days. If, in that time, I receive an offer that is below the acceptable amount, I would have to wait for them to do another review to consider accepting the offer with could take another month. In the meantime, I am still expected to pay for a mortgage I can not afford. In all, I would have waited almost 9 months for them to make a decision. Also, I could still be rejected for the short sale of the home, I would still be expected to pay the mortgage after waiting so many months to get some help, which this company is obviously in no hurry to provide. Every time I ask when the process will be completed, they refuse to give me a date, so I am waiting in limbo with no end in sight. There is no urgency by this company to help its customers. This process almost guarantees that the homeowner will face foreclosure. If I had known this, I would have stop paying the mortgage over a year ago and saved myself the time and effort of trying to submit all the documents and expecting a decent response from the company. It would have saved me thousands of dollars and all the headaches since they are going to force a foreclosure anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted multiply request asking them to remove XXXX XXXX they have 6 accounts that do n't. Belong to me Please help remove this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In the  XX/XX/XXXX , I tried to repair inaccurate reporting of a closed   XXXX   XXXX    XXXX  account through  XXXX  that showed up on my Experian Report. I settled the account in  XXXX ,  XX/XX/XXXX  with  XXXX    XXXX   XXXX   XXXX  , and closed it. However, old information still appeared on Experian. I became aware of this inaccurate reporting situation when we began looking to buy a house and got our credit reports for the first time as a couple. When I called  XXXX   XXXX  Credit Card to have this remedied, asking that they update the information, it made the account look more newly closed, dating it   XX/XX/XXXX .  This only appears on my Experian report. I 'd like to have this removed. For my report to be accurate, the account was closed XX/XX/XXXX  . I b elieve it should no longer be on there. Can you help me? I 'm afraid to call back directly, as my first attempt to remedy this only made it worse.

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 01/25/2018 about Debt collection (Other debt) with U.S. Collections West, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: US Collections West is currency reporting on my credit report fraudulently in the amount of {$2400.00} as of XXXX XXXX, 2018. Ive made several attempts notifying them that this account needs to be deleted. I obtained documentation from XXXX XXXX Courts stating that the file was destroyed and I owe {$0.00}. The documentation will be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This complaint is a part of and continues the matter of controversy under CFPB Complaint Nos.  XXXX and XXXX. Experians response is incomplete and insufficient as it fails to answer the threshold question : 1.  Whether their purported verification included validation of the fact that I had debt cancellation insurance coverage on the credit card accounts in question during the periods in question that, upon the filing and payment of my insurance claim resolved any alleged delinquency, retroactive to the date of the alleged delinquencies, and therefore there were no delinquencies upon said credit card accounts.

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 06/23/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2014 I received a letter from SunTrust mortgage XXXX see attached XXXX ) about my statutory right to receive refund of unearned premium of my Private Mortgage Insurance ( PMI ). Encouraged by this news, I started the refinancing process and completed it in XXXX with a new mortgage which did not have PMI XXXX see attached XXXX ). I had upon origination of the original loan prepaid full premium of my mortgage insurance and following the Homeowners Protection Act 12 U.S. Code 4902, I submitted a request for refund of unearned premium ( see attached XXXX ). I am yet to receive a formal response from SunTrust. When I call them, they verbally tell me that I will not get paid because Mortgage Insurance provider ( XXXX ) issued a non-cancelable policy. When I tried reaching out to XXXX, they would not talk to me because I am not officially their client XXXX Suntrust is XXXX. My question - is it legal for Suntrust to obtain a non-cancelable PMI on my behalf from XXXX and not refund the unearned premium when PMI is no longer applicable? And how could I have avoided pre-payment of un-cancelable PMI?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Professional Recovery Management (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for a utility account that did not belong to 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 12/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 'll try to make this short. Navient, and all my loans with them equal a total of close to {$80000.00} dollars. These loans consist of Private, Federal, and Department of Education. Currently I can only work PT while taking care of my mom who had a debilitating accident. Navient is refusing to work with me, even after submitting documents showing my income for a lower payment. Moreover, my college is closing soon and I was part of the private college scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my credit information and report to be accessed by unauthorized parties via a loophole in the computer code, enabling the system to be hacked. Furthermore, they are only offering 1 year of free credit monitoring ( using their own company, mind you ), giving the hackers only a year before they can jump in and use my information. This is incredibly unsettling as I had no choice in Equifax actually having my credit report and now I can not trust anyone with my personal information. I wo n't even talk about how it took over a month for this breach to be released to the public and I also wo n't mention how some executives sold a lot of stock worth millions between the breach and the release of the information to the press. Interesting.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX, 2016, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to have them investigated have been ignored.

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 09/13/2016 about Debt collection (Mortgage) with Shellpoint Partners, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Our alleged servicer/collector either purchased or had a debt transferred to them from XXXX XXXX XXXX XXXX on or about XXXX. Shell point Servicing has represented themselves as holders of the debt even after me the homeowner requested the proper validation of the alleged debt 2 times in XXXX and 2 times in XXXX without producing any present right to the debt or right of possession. They have also added approx {$10000.00} each month after the first request of the debt validation in XXXX to intimidate and harass us. Shell point refuses to sign for the registered receipts and refuses to show any valid contract as to the amounts being added. Furthermore they filed a notice of trustee sale on XXXX XXXX asking for an amount of debt that is {$300000.00} beyond the amount stated on the deed of trust and secured, hence violating the FDCPA through their attempt to collect a debt through deceptive and wrongful actions. Lastly, they have reported private information and employed another third party to attempt the illegal disposition of the real property at XXXX, XXXX, ca XXXX in contradiction of the homeowner notifying them through a " cfpb '' disclosure that they were not allowed to disclose any information. This company and its holding company New Penn Financial have brought a new level of fraudulent activity into the market place in order to be unjustly enriched through their violations of law, Federal and State. This is a request for an investigation of this fraudulent company and their illegal actions against XXXX homeowners that are now XXXX years old and are in constant harassment and intimidation by this company and their newly appointed " trustee '' and illegal collector of the debt employing and using Unfair, deceptive, and abusive Business practices which can be observed in their filing of Notice of Trustee which has never been verified and is in noncompliance due to violations of the law. The homeowner has identified over XXXX violations just on the Notice of trustee and the fact that this Notice of Trustee was filed without a proper Notice of Default being recorded. In addition this company has employed false documents and has recorded them with the county recorders office to show a false interest in the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, SSN, DOB, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,  2017    this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with ENCORE CAPITAL GROUP INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I been disputed this account two years ago and never I received response, still showing in my credit report. I wonder waht another step I have to follow in order for me to fit it. 
Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There are XXXX ficticious medical bill charges on my credit reports that were illegally placed there by a company called Commonwealth Financial in an attempt to extort money from me by damaging my credit. This is in violation of FCRA laws XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$53.00} By placing XXXX separate charges on my account, they are deliberately attempting to damage my credit further than if they 'd placed a single charge. I have contacted Commonwealth and they were unable to provide any proof that these charges are real and valid. 

I asked the representative that I spoke to at Commonwealth if these were the hospital emergency room visits that my wife and I made after being hit by a drunk driver ( all medical bills were paid by XXXX XXXX XXXX XXXX XXXX ). Strangely enough, she told me that these were not emergency room visits, but rather 'physician bills '. 

In actuality, XXXX ' ( sometimes listed as XXXX XXXX XXXX XXXX XXXX ) is a fake agency and Commonwealth is known for illegally reporting these fake charges on random credit reports. They always list the charges at least twice, in an attempt to create 'panic ' in the victim and get them to pay faster. 

If the charges are successfully disputed off, Commonwealth will start placing random amounts as many as eight times on a credit report to exact 'revenge '. 

Case number : XXXX is an incident that happened to my wife, where Commonwealth had placed eight fake charges on her report. 

XXXX XXXX of Commonwealth Financial acknowledged that the charges were indeed fake and has promised a deletion update to my credit report, however this has not been done. She claimed to offer a deletion only to close the last case. I have not received a valid bill, I have not received an explanation and the charges are still on my account. 

I attempted to call Commonwealth Financial Systems again and I discovered that they blocked my telephone number : XXXX. How in the world are they attempting to collect debts or resolve erroneous information if they block the telephone numbers of people trying to call them? That seems a little suspicious. 

What Commonwealth Financial is doing is illegal and I would like to follow up to ensure that they are prosecuted. Meanwhile, I am pursuing a civil case against Commonwealth Financial as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Debt collection (Credit card) with TRUSTMARK CORPORATION (KY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My work was contacted by a XXXX XXXX from XXXX. My-co-worker answered the call and was told by this person that they were filing a civil suit against me for a debt. She gave my co-worker, XXXX XXXX, the case # XXXX. None of this information should have been shared and I suspect that this is even not a legitimate debt. After I called them back, I spoke to a man that claimed they were calling to tell me they are filing a civil suit for XXXX credit card which I have n't used in close to ten years. I advised this man of this, and he claimed he had 7 years to collect. I again re-iterated that I had not used this card in almost 10 years and began to tell him that I also took out a consumer loan to pay off the balance and other credit cards ... he interrupted me and yelled " If you shut your mouth ... XXXX '' I then stopped him right there and quit talking and hung up ''. I do believe this is also the same company that has called me before at work and would not even tell me who they were collecting a debt for. I also advised this place to not contact me at work since I work XXXX. ... and they are holding up the line. These people do everything against the law and need to be stopped!

Company response to consumer: Closed with explanation