milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates , LLC has been harassing me for a debit that does n't belong to me for about 2 years. The debit belongs to my father and we have the same name. I made it clear to them that I am the wrong person they have been calling. XXXX time I asked for the last XXXX numbers of the social to verify that it was n't me. The person was very rude and refused and was persistent in trying to make me pay the bill. The next time they called I asked them to verify the last XXXX numbers of the social which belong to my father. I made it clear I am not the person they are looking for and to stop calling me or sending me letters under the fair credit reporting act. They keep sending me statements requesting payment. I submitted a letter to them exercising my rights under the fair credit reporting act to stop contacting me. Ever since I submitted the letter they have submitted XXXX statements still requesting payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: WANTING TO MONITOR MY CREDIT REPORT DUE TO THE FACT I HAVE BEEN A VICTIM OF IDENTITY THEFT NUMEROUS TIMES HAVE HAD THE COMPLETE PREMIRE PROGRAM WITH UNLIMITED SERVICES CREDIT REPORT. BUT UNABLE TO OBTAIN MY CREDIT REPORT BY MYSELF. HAVE TO CALL IN EVERYTIME TO GET MY UNLIMITED REPORT. WHEN I ORDER MY CREDIT REPPORT ORDER SAYS ORDER ALREADY IN PROGRESS. WHEN I CALL CUSTOMER SERVICE SAID I NEED TO VERIFY INFORMATION. I ORDERED MY REPORT TO NUMEROUS TIMES BUT I HAVE UNLIMITED SERVICE. SO WHY DO I HAVE TO CALL IN BEFORE I GET A REPORT. THIS IS MISLEADING. AND I AM BEING CHARGE XXXX AND XXXX FOR HALF A SERVICE. AND EQUIFAX CUSTOMER SERVICE HAVE SENT UP NUMEROUS TROUBLE TICKETS AND THERE REMEDY IS TO CANCEL MY SERVICE AND REFUSE TO MONITOR MY REPORT. NEVER FIXED NEVER DELETED PREVIOUS REPORT ORDERED. SO IF YOU CAN FIX IT THEY WANT TO CANCEL. THEY ARE NOT PROVIDING A SERVICE. XXXX AND XXXX DO HAVE UNLIMITED SERVICE AND THEY TELL YOU TO REFRESH YOUR REPORT. AND EQUIFAX HAVE BEEN SENT NUMEROUS POLICE REPORTS AND THE FEDEERAL TRADE COMMISSIONS REPORT AND REFUSE TO REMOVE THE INQUIRIES. WHAT I AM TO DO. I CANT MONITOR MY CREDIT WITH EQUIFAX. THEY ARE A JOKE. IF THEY CANT FIX THERE PROBLEM WITH THERE SYSTEM THEY WILL CANCEL YOU. HOW DO I MONITOR MY CREDIT REPORT. WHAT DOES EQUIFAX COMPLETE PREMIER PROGRAM WITH UNLIMITED SERVICE MEAN. IF THEY CANT FIX UNLIMITED ORDERING REPORT AND YOU ORDER YOUR REPORT THEY TELL YOU DONT ORDER YOUR REPORT EVERYDAY EVEN UNLIMITED SERVICE IT IS A LIE. XXXX AND XXXX SAY IT IS 1 DAY SINCE YOU HAVE ORDERED YOUR REPORT REFRESH YOUR REPORT. THIS IS UNLIMITED BUT EQUIFAX SAYS DONT ORDER YOUR REPORT UNLESS YOU GET AN ALERT. BUT YOU HAVE UNLIMITED SERVICE. THEY TELL YOU WHAT AND WHEN YOU SHOULD ORDER YOUR REPORT AND IF YOU ORDER TOO MUCH THEY ARE OVERLOADED AND YOUR SERVICE IS NOT UNLIMITED. THEY NEED TO FIX THIS AND REFUND MY MONEY FOR A YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Non stop calling of not only me but my brother. Threatening voice mails

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a Student loan I got through XXXX College in XXXX. It went into collections, after it went into collections they said that I could qualify for a lower payment. I did that and got a lower payment but it was only for XXXX payments that it was lower. I could not pay the amount that they were wanting so I asked about a lower payment. they said they would send me information and a form to fill out to get a lower payment, I never seen one I called in a week after they said that they would send it and they said that they were sorry they would resend it. I have not received anything from the company about a lower payment and now the loan is probably in collections again. I am tired of calling and trying to get this form when I hear the same thing over and over ( we are sorry and we will get that out and you should receive it with in 3-5 business days ). I have been having this issue since I started trying to paying them and I am hoping that I can get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with Omega RMS, LLC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX called me on XX/XX/XXXX and XX/XX/XXXX *I asked them to stop calling me and to only communicate with me in writing *I sent a certified letter asking them to discontinue calling me and all further communications should be done in writing. 
*The certified letter was received on XX/XX/XXXX ( tracking # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX continues to call and I have two voicemail messages from them on XX/XX/XXXX lasting 20 seconds and on XX/XX/XXXX lasting 31 seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX Experian showed that all three credit cards where added to chapter XXXX bankruptcy I then called experian to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing Experian told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to equifax and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.

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 08-02-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: Hi my is name   XXXX   XXXX  . Im working with my servicer Select Portfolio Servicing ( SPS ). Recently I have mailed in my for a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called in to SPS asked them whats the status and they tell me that they will continue to foreclose on my home. They will be violating my California Homeowners Bill of Rights Act if they proceed with the sale while having a complete full RMA packet.
They still are proceeding to sell my home. I have sent over to them a Complete RMA package and SPS even acknowledged that they have received a Full Complete RMA package. How is this possible that proceeded with a foreclosure of my home when they have a Full Complete RMA package?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (DE).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I submitted a complaint to your company in XXXX. I was working with the executive complaint department with Ally. I was given until XXXX to make a payment and my car was taken last night. They came a day early even though I was given more time to get the money together.

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 05/18/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this collection company sent me a letter saying that I owe this company money. which I do not. the name is XXXX series a.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I bought the house at XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX for {$290.00}. 

By summer XXXX there were XXXX mortgages on the property, XXXX held by XXXX, a 30 year loan with balance of approximately {$100000.00} and the other by XXXX XXXX XXXX, a HEQ line with an amount of {$120000.00}. In XXXX XXXX, when I rented out the property and moved to XXXX XXXX. The house was rented until XXXX XXXX, XXXX. The XXXX mortgage was assumed by Bof A for many years, and in XXXX they sold it to Green tree Servicing. The Home Equity line is still with XXXX XXXX. 

XX/XX/XXXX I began to investigate the possibility of selling the house, and perhaps on a short sale basis, in case my liability on the XXXX loans turned out to be greater than the value of the house. 

On XXXX, XXXX date I was informed during a call to Green Tree that the house had been foreclosed on by Green Tree, the holder of the XXXX mortgage. I have no documentation to to support this. 

At that time, the balance due on the first mortgage was approximately {$100000.00} and the balance due on the XXXX mortgage was approximately {$120000.00}. The fair market value of the house at that time was more than {$200000.00}. 

I have repeatedly asked Green Tree for an accounting of the proceeds of the sale, but have been unable to obtain any information about how much the house was sold for, to whom, or on what date. No transfer deed has ever been recorded in the public records. 

On or about XXXX XXXX, I was contacted by XXXX XXXX XXXX who represented that he had bought the house at the foreclosure sale, and asked me to sign a quitclaim deed in exchange for ( {$1000.00}? ). I do n't know if he is the actual buyer or a fraudster. 

At this stage, I do not know if I am still the owner of the property, or whether it has been sold. If it was sold, I do n't know whether is was sold for anything like the fair market value. I fear that the XXXX mortgage holder may have sold the property for far less than its actual value - enough to cover some or all of their loan, but not the XXXX mortgage, for which I would still be on the hook. 

I am writing because I have been unable to get answers to my questions from ( Greentree ) and its representatives, and I do n't know what to do next. At a minimum, I would like to know whether the house was sold, when, and for how much. 

If the house is still mine, then I would like to arrange a sale, possibly a short sale, that would take care of both loans. If I have no further ownership, I would like to know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Other

Complaint: Hello, I mailed a payment via a XXXX XXXX money order on XXXX XXXX, 2016 to Citi for the amount of {$490.00} to make a payment on my credit card ending in XXXX. This money order was cashed by Citi on XXXX XXXX, 2016. I also mailed another payment via a XXXX XXXX money order on XXXX XXXX, 2016 to Citi for the amount of {$490.00} to make a payment on my credit card ending in XXXX. This money order was cashed by Citi on XXXX XXXX, 2016. 

Neither of these money order payments was posted to either account. After two weeks of nothing posting, I contacted Citi via online message about both of these money orders and they claimed that had never received them. I filed XXXX lost money order claims with XXXX XXXX at {$15.00} a piece to track down the money orders. I have just received copies in the mail of the money orders confirming that they were cashed by Citi on the dates listed above.

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 monetary relief
Consumer complaint received 01-12-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I attended XXXX College in XXXX, VA. They promised students the world. The program was so unorganized and the tuition ended up being thousands upon thousands higher than originally quoted. No one in the FA department could ever explain the fees. During class they would pull you out to discuss overdue bills. The program closed down within 3 years. I was forced to not only max out my federal loans but had to take out additional private loans through their affiliate company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (I do not know) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted this debt collected with no response about this debt that I know nothing about. I have asked them to remove debt still no response. This collection on all XXXX reports is effecting my life. Legally it should be removed because this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX, Equifax XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.The XXXX account just sent me a letter stating they would remove these accounts its been 30 days and they are still here. The medical said it wasn't there debt so I want it gone too. I attached both letter as proof. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. {$180.00} 2.Cell Phone Bill XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} {$340.00} XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AR).
Issue: Loan modification,collection,foreclosure

Complaint: Foreclosure began on my home in XXXX XXXX. As a result of the work related injury, I ultimately lost my job. The foreclosure on my previous home is due to lack of income stemming from this injury and divorce. I no longer live at this address and I have been employed at the same job for over 3 years now. I received XXXX foreclosure settlement checks dated XXXX/XXXX/XXXX. However, as of XXXX XXXX, almost 5 years later, the lender continues to report my loan 180 days past due with full balance owed. This is a detriment to my credit and I am having difficulty obtaining any type of financing on my own.

Company response to consumer: Closed
Consumer complaint received 07/22/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My last statement from Ocwen Bank is dated XXXX XXXX,2015. Today is XXXX XXXX, 2015. When I called them today I was told, because of 'technical problems ', statements were not sent out in XXXX or XXXX but payments are to be made anyway. If payments are delinquent or late there will be fees levied against the 'offenders ''. Since Ocwen is a debt collector I am concerned they will use this as an excuse to foreclose on some home owners. I personally know someone who has just received a loan modification, his acceptance of the new agreement is shown by his next payment. I am concerned they will use this as an excuse to negate their agreement. Not everyone would catch this behavior. 
If this really was a 'technical problem ' then there should be a grace period for those affected by it. 
This is the XXXX time in as many years that Ocwen has not sent me a statement. Please check up on Ocwen to see how many people this 'technical problem ' has harmed and how much money in fees this 'technical problem ' has netted Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name Is XXXX XXXX and my son is XXXX XXXX i have been trying to get his name and accounts of my report for years to no avail. I have his address on my report his name his accounts. I am XXXX he is XXXX but they seam to not care. I have accounts that are over seven years old they wont take of.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To Whom this May Concern :   XXXX     I sent out letters to all three bureaus pertaining to a bankruptcy on my report. I asked the bureaus to send me documentation with my signatures and how they verified this information. The bureaus stated that the courts verified this information to be true and accurate. I got a letter from the court stating that they do not verify nor submit any information to the credit bureaus it goes through 3rd party companies such as  XXXX   XXXX  which is against  Federal Law   X/XX/17    the bankruptcy was removed from my  XXXX  report then later it was placed back on. I need to speak with someone about having this information removed from my  Public Records

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 08/24/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have requested in writing to this company proof in writing showing that this account belongs to me and to send me proof of my signature showing the same. They keep ignoring me and now they send me a letter with some attachments containing some charges under my name with no signature proving that this belongs to me. This account does not belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been working with representatives at FedLoan and XXXX, in the process of consolidating some of my federal loans. I am doing this specifically because some of my federal loans are already PSLF-eligible, and I have been paying on them for over 4 years. Others, I recently realized, after previously been given incorrect information, are not PSLF-eligible. I was advised to consolidate only those loans, so that my payment can be lowered, and then those loans will also be paid, and the payment being made towards eventual loan forgiveness. In the transition of my loans from XXXX to FedLoan, a representative at some point processed the consolidation, and un-known to me, a previous attempt at doing this negated my 30-day window to reject the consolidation if something was wrong. As a result, all of my loans were consolidated, this making 4 years of payments I had made on PSLF-eligible loans obsolete. I have been dealing with FedLoan for over 6 months at this point, have complained to the Federal Student Loan Obmudsman, and have gotten nowhere. FedLoan 's consolidation department has said to me over the phone they could see where the error happened, but told me nothing can be done, the loans are consolidated, and I am out to luck. For the 5+ months, I have been given contradictory information from all loan servicers, have tried to document and follow-up with requests for information, and am at a point now where I have nowhere to turn. I am trying to make the most of the federal policies that have been outlined - my wife and I both work in education, all of our student loan debt is through public loans, and neither of us can get the cusomter service needed to ensure our loans are getting paid correctly and are PSLF-eligible.

Company response to consumer: Closed with non-monetary relief