milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In the beginning of XX/XX/XXXX, I had gotten denied for an apartment where I was required to pay XXXX XXXX for the application fee ( XXXX XXXX XXXX is who denied my application for rental ). Prior to this report pull, I was unaware of an eviction ( Case # : XXXX ) dating XX/XX/XXXX being listed on my credit report, which resulted in a XXXX XXXX loss in application fees and denial of the property. After directly disputing with the bureaus, I received no acknowledgement about the dispute when I got my results back from the bureau regarding the judgment, and all other disputed items remain unchanged.
After contacting the local county clerk 's office by mail on XX/XX/XXXX inquiring about the information they share with the credit bureau, they advised me that they do not report to them ; SSNs are not required for a court filing and are refused to handle that type of filing. The eviction was ultimately dismissed, and I owe no balance to the landlord. As such, I request to have this initial filing removed from all 3 reporting bureaus and to notify the public record agency, XXXX XXXX ( where my application for the property was denied ) to remove this derogatory information from all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (FHA mortgage) with FIRST GUARANTY MORTGAGE CORP (NY).
Issue: Application, originator, mortgage broker

Complaint: I have being in a dead lock process of refinancing my property with First Guaranty Mortgage Corporation for over 90 days. The company is stone walling me, locked me up in a rate that expired in XXXX 2015, then re-lock me with same rate for another 60days that will expire in XXXX 2015 ). All phone call communications and e-mail correspondences were not returned. Currently, I can not go to another financial company for assistance to refinance my property due to First Guaranty Mortgage Corporation holding on to my FHA number and not giving me information that I needed on my mortgage property tax ( XXXX ) in other to re-assign my re-finance loan to another financial mortgage institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I am so very frustrated with PHH Mortgage. My loan has been there since XX/XX/2015. I travel and need to ensure that my payment is made so I typically make my payment online and am charged a {$7.00} fee for making a payment. When I inquired about the fee I was told that if I went paperless it would be waived. This is not right as I want the hard copy and have been in the mortgage business for 30 years. I just made a payment over the phone and was again charge another {$7.00} fee. Please someone stop them. The last time I called they put me on hold and left me. This mortgage company is terrible and if I could I would get out

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with PAYPAL HOLDINGS INC. (WA).
Issue: Unsolicited issuance of credit card

Complaint: PayPal deceptively changes it 's normal checkout so that you get signed up for their credit account, then makes it the default for eBay payments, with no notification to the user. 
Called PayPal to close account, and it 's still open.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Prepaid card (Transit card) with NETSPEND CORPORATION (FL).
Issue: Fraud or scam

Complaint: A Friend of mine gave me this Debit Master Card for a present. It has {$25.00} on it. To activate you have to call this number XXXX, but when you want to activate it they want your SS and Birthday. If you do not want to give that they told me they 'll send me a check again they wanted all kinds of info plus they where going to keep some of the money. Not sure it trust them. The card is throughXXXX by XXXX. Lady did not speak English well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Continues to place calls to me at my place of employment although I have asked repeatedly not to. I spoke with a manager XXXX this time who continued to ramble on after I advised again that I can not receive these calls at work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: For the longest time I believed I was dealing with XXXX XXXX for student loans. A few months back I received a call about a lawsuit against naviant concerning the loans. I ignored it thinking I had XXXX XXXX. Last month I started to repeatedly get emails from naviant about being behind on my loan payments. First time hearing about this and first time finding out they held my student loans. I went to the site and looked up my account, there is a late fee of over 400 $ that was applied and when I try to change the loans or defer it I get sent to another site where I have to make another account. As I look at the statement I'm seeing charges, multiple charges, that were all listed with the same day. Almost XXXX XXXX  $ or more charges a piece on the same day. And that day hasn't even occurred yet. It says XX/XX/2018. Which is even more confusing. So I looked up about this lawsuit with the company and it stated to make a complaint if I see or have an issue and from what I'm seeing, something isn't right and I need it deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: When the news broke about Equifax I decided to check the website they gave to see if my information had been compromised. According to the website it said that my information probably was not impacted. Probably, is not that reassuring! I let it go until a couple weeks later there was something else in the news about Equifax so I decided to check the website again and this time it said my information may have been impacted. May, is even less reassuring than probably!! So I decided to follow through with the next steps to get the free credit monitoring service through the website they gave. What a convoluted mess!! I have talked to so many people at different numbers and have received zero satisfaction. First of all, since they caused the mess why do I have to jump through all these hoops in an attempt to get the free credit monitoring service when they are responsible for the problem, if anything they should get in touch with me and tell me they are giving me this service. All the different numbers I ended up calling started from the number on the website, then in a couple of instances I was automatically transferred to a different number, which made me uneasy. In all cases I was asked for my private information ; only one time did the person on the other end ever ask for my entire social security number. I was uneasy about giving it to them but since the number I started with was from the original website I was given to follow up on this matter I did and also one of the other one people that I spoke with said that they occasionally do ask for the full social security number. My reservation about give any private information to Equifax is that they did not do such I great job safe guarding it in the first place so why should I trust them with it this time. I even filled out the information form twice on their website and still absolutely no satisfaction. On one of the last calls I made I asked the gentleman on the other end where was I talking to him from and his reply was XXXX, my thought was XXXX!! Why am I giving my private information to someone in XXXX!! I could not believe it that Equifax had the unmitigated gall to out sourced this problem to a foreign country. I am absolutely thoroughly and totally discussed with the whole mess and am in a quandary as to what my next move is?? I hold Equifax completely responsible for any issues with my credit for the foreseeable future. What really takes the cake is that Equifax will probably walk away with absolutely no penalty what so ever and the consumer again is the one who will be left holding the bag.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (FHA mortgage) with Selene Finance LP (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We got a loan modification with XXXX XXXX XXXX. 
XXXX XXXX XXXX sold loan to Selene Finance but did not send modification paperwork with sale ( per Bankruptcy Lawyer ). Per FHA Selene finance has reported that we have not paid loan in 1 year and has petition Bankruptcy court to remove automatic stay to proceed with foreclosure. The amount under the modification is XXXX per month. Selene Finance has stated we should pay XXXX. The initial court date with Selene has been reset because they did not know about the modification and are trying to authenticate and validate the paperwork. We have filed dispute with credit bureaus alerting them to the erroneous information that has been reported by Selene finance. There is plenty of bad press on the web and facebook about this company and everyone has the same issues. I explained to the Selene finance Bankruptcy Department that XXXX XXXX XXXX should have included the modification paperwork in the sale of the property. I was told that if the modification checks out they might be able to go back and change payments to reflect accurately. But we have not heard anything. The reset court date is 2 weeks out. My main concern is that Selene finance did not return any of the modified payments made and did not look into the complaint we made about which mortgage is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I mailed a certified letter to Equifax on XXXX XXXX, XXXX and XXXX XXXX, XXXX regarding the incorrect reporting of my XXXX student loans. Despite two 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 items listed on my Equifax report should be reporting CURRENT they still remain on my credit report in violation of Federal Law. 

In the results of the first investigation and subsequent re-investigation, Equifax ignored my dispute and did n't update the inaccurate items listed on my credit report. 
Furthermore Equifax has failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Under the FCRA, unverified accounts must be removed. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' MY XXXX XXXX LOANS ARE CURRENT - MY SUPPORTED DOCUMENTATION FROM XXXX XXXX CONFIRMS XXXX XXXX CHANGED THEIR NAME TO NAVIENT ON XXXX XXXX, XXXX AND MY FEDERAL AND DEPT. OF EDUCATION LOANS WERE NOT REPORTED PAST DUE OR LATE IN XXXX OR XXXX XXXX OR XXXX XXXX. 

This is my final attempt to resolve this issue. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding EQUIFAX continued willful and negligent noncompliance. The law is very clear as to the civil liability and the remedy available to me under Section 616 and Section 617. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attached original document from XXXX XXXX. Please update the XXXX delinquent accounts to reflect " CURRENT ''. Please accept this final OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve EQUIFAX continued violation of the Fair Credit Reporting Act regarding your refusal to UPDATE information from my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXX/XX/XXXX, XXXX Loan # XXXX - XXXX XXXX Dear Sir or Madam, I have contacted XXXX and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to XXXX and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by XXXX states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the XXXX XXXX  XXXX formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position. Please inform Experian, XXXX, of this change. XXXX  has already complied with my request. Many thanks for your help. Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX, ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/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 11-06-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XXXX this abusive caller in XXXX to no avail. They keep calling even though I have spoken to them and told them that we owe no one and the previous owner of this number is unknown to me or my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have requested a method of validation on an account multiple times since XX/XX/2016 for my account from this debt collector. The account is from the debt collection " XXXX XXXX XXXX ''. Every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. The account was for a hospital bill which was invalid because I actually declined services from the hospital and I did not sign any paperwork nor receive any treatment from them. I asked all XXXX credit bureaus to verify with XXXX XXXX so that it could be removed from my account due to being invalid from non-validation. Well I have made multiple requests to the credit bureaus Transunion, XXXX, and XXXX and that will not delete this report even though XXXX will not send me any proof of validation! I should not even have had this on my credit report to begin with. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Transunion over 3 times to provide me with proof of validation of this account or some paperwork before saying its accurate and that paperwork was never provided. I am inclined to believe that they never truly investigated it to begin with. Also my name is XXXX XXXX but they have it listed as XXXX XXXX and I have told them that information is incorrect multiple times and have even sent them the proof of identity each time they request it and they always reject it even though I send them the EXACT things they keep asking for. It is a really painful disgusting process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter on XX/XX/2017 alleging I had an unpaid tax balance in the state of Maryland. I have never lived or worked in the state of Maryland, and have only been there once to visit XXXX XXXX as a tourist. After submitting a letter requesting more information and disputing the debt, I received a letter supposedly from the Comptroller of Maryland stating that the balance due was based on information provided by the IRS stating that I filed a Federal return using a Maryland address. However, they could not find a Maryland return processed. I have never filed a federal tax return, because I live, study and work in XXXX. This information is clearly wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The issues is I have been given a XXXX determination and have been trying to get my private student loan discharged by Navient. The loan in question has a co-signer, it took me three attempts to find a co-signer that they would accept. At the time of my XXXX I had XXXX private with Navient, they discharged the one that did not have a co-signer and have determined that based on my XXXX I am no longer responsible for the loan. I feel that the co-signer should not be held liable for this debt, because at the time of her signing off on the loan ; I was healthy, going to school full-time and working full-time. So, based on that it was represented to her that I would be able to work and pay off the loan. Navient has decided, that my co-signer is able to repay the loan so they are making her. I feel that in this case the co-signer should not be held liable and the loan discharged just like they did the other XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a few dozen items from QVC on their Easy-Pay installments, and in XX/XX/2017, I called and paid all future installments with concurrent verbal confirmation from three representatives. In XX/XX/XXXX, I have received myriad emails, phone calls, and letters in regards to an ostensible outstanding balance. I called and spoke to a representative on XX/XX/XXXX and was told that " there is no way for me to prove I paid it. '' I noted my statements and she [ the female representative ] suggested that they were going to collect the balance, whether I paid it or not. The outstanding balance is $ XXXX which, admittedly, is small- but I have already paid it. She then threatened me with collections and " irreparable damage to [ my ] credit '' if I did not pay. 
I know that scores of other consumers have had concerns with QVC verifying payment and then insidiously returning months later under the guise of a " past-due '' amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The original case number was reported in XX/XX/2017, stating that my wife and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX XXXX XXXX. XXXX GA, XXXX. XXXX XXXX and XXXX XXXX XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.

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 10/23/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Escrow was analyzed XXXX/XXXX/2016, showed # XXXX shortage, which I paid ( Scan XXXX ). Received adjusted anaysis date XXXX/XXXX/16 ( Scan XXXX ). Mortgage changed in that I no longer have to pay PMI of $ XXXX/month as of XXXX, 2016. Received Escrow Disclosure requesting ANOTHER {$1500.00} payment of " Escrow Shortage '' dated XXXX/XXXX/16 ( Scan XXXX ). They have taken my winter taxes, which were {$160.00} last year, and plugged in the larger amount of my summer taxes ( which was used as summer tax amount ) of {$2000.00}. I called and explained all, requesting re-analysis, on XXXX/XXXX/16. I was told the account would be analyzed again and I would receive a letter within 21 days. Nothing has been received but my bill indicating the escrow increase of almost {$200.00} per month. The taxable value of my home has only increased by {$130.00} over last year ( Scan XXXX ). This is nothing more than robbery.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Debt collection (Medical debt) with Simon’s Agency, Inc (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: simons agency has multiple collections on all of my credit reports ALL of these have been paid by medical insurance and they are attempting to collect amounts for a dollar in some case.   there are multiple law suits against Simons, they refuse to answer my calls and hang up on me when i call

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