milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2017 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (LA).
Issue: Managing the loan or lease

Complaint: Although debt was not validated to clear the issue I sent in a letter and check that said " in cashing this check this you consider this account paid in full and agree to remove it from all XXXX credit bureaus ( XXXX, XXXX, XXXX ). This was cashed on XX/XX/2017 and the account has not been removed from all XXXX bureaus as of today.

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 10/20/2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (CO).
Issue: Account opening, closing, or management

Complaint: I was an XXXX XXXX XXXX and was banking with Navy Federal, I opened I had XXXX open loans as well as a credit card with them, well I also applied for the loan protection that will cover me in case of loss of life or employment, anyways, I was released from militray service casue of force of reduction ( downsizing ) I had called Navy federal since XXXX 2015 till a few months ago I also communicated thru secure messge thru their websit, what irritates me is that when i was released fro XXXX XXXX I went ahead and call Navy Federal to inquire on what was needed, I called thru their XXXX number as well as secure meesage -- - I did what was told of me, then I found out that It was thru a XXXX party that covered the protection -- - I called them and they representative told me that NAvy Federal should of told me the requirements, with all the communication with NAvy Federal theu Private message and calling them, as well as a financial planner going thru my records, I was told by representative that I wouldnt qualify becasue i was at my 31 day and I nneded a documentation stating I was receiving unemployment -- - I feel that with the lack of informationfrom Navy Federal I was screwed andnow I have empoyment that salary is way less than military but now I have a huge amount of debt that I cant pay maybe in a lifetime

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Medical) with MFP, inc. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: FINANCIAL CREDIT SERVICES REPORTED COLLECTION CLAIM ON EXPERIAN XX/XX/2016 Prior to reading claim on Experian, I had never heard of CFS, no contacts have ever been made, I read the report on XXXX ( since they have made no attempt to contact me in any way, I consider the first contact to be XX/XX/2016 ) Since they reported the claim XX/XX/2016 & yet to inform me they are in violation of 15 USC 1692 ( a ). This is just an act of harassment done at the bidding of XXXX XXXX XXXX, they have no real intent to attempt collection of this alleged claim. Further they have noted the involvement of an Attorney ( An attempt to excite & intimidate me ) After this complaint is completed I will once again head off to the USPS to mail yet another certified letter asking for Validation of claim ( just as I have with other CA 's ) & a letter to XXXX asking for deletion of alleged claim ) This process will continue until some type of official intervention is made, If XXXX had a claim that was verifiable, they should have no problem providing me with that proof. Am uploading the copy I have of XXXX 's report along with my Validation letter. I am a poor man, I depend on XXXX for income and live well below the poverty line, ( my food budget goes to pay for certified mail ) I have requested low cost legal aid & have been approved, yet, have received no assistance from them. I still doubt that this claim belongs to me & have been offered no prove that it does. I continue to act PRO SE IN MY EFFORT TO FEND OFF THESE ATTACKS ... I AM NOT REFUSING TO PAY A DEBT THAT I LEGALLY OWE BUT, WILL NOT PAY GRIFTERS TRYING TO MAKE AN EASY BUCK. AM UPLOADING DOCUMENTS IN MY SUPPORT.

Company response to consumer: Untimely response
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: It has been since long time ago, about XXXX to 4 years ago that i have submitted inquiries to get removed from my credit report without my authorization and none of the creditors had taken action and my credit score it is really bad due to the crazy amount of inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with United Consumers Inc (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Keeps calling even after I told them we do not know " XXXX ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent them a dispute letter on XXXX XXXX 2017 by Certified mail. ( They receive it on XXXX ). As I 'm patiently awaiting my 30 days to pass, on X/XX/17, I call them to verify if the the copy of the license and my social security card in my new last name that I attached to my dispute was sufficient for changing my name ( due to marriage )? I did n't want two different last names floating around on my credit file. On XXXX the US rep tells me that I need to fax in proof of my name change, which I think is strange since I 've already attached a copy of this same driver 's license and social security card to my original dispute letter, but I comply and fax in requested info on X/XX/17. On XXXX I get a letter from TransUnion ( dated XXXX ) stating that they need an extra 15 days since they 're in receipt of new information regarding my dispute. This is totally incorrect. The information i faxed was mutually exclusive and not at all related to my dispute. It was specifically to verify my legal name change due to marriage. This is not a dispute issue and had nothing to do with my Dispute letter. This letter confused me so I called and spoke with XXXX XXXX XXXX of Special Handling about 5 minutes ago. He was polite but literally could not defend the reason why Trans Union needed 15 extra days. He started with " it takes an additional 3-5 days to upload information in the system. That sounds like a TU problem to me and should be covered in the 30 day time frame. He goes on to state that " Since you sent in supporting documentation we need extra time ''. What I sent in was mutually exclusive and not supporting document related to my dispute. I asked him if the law in fact states that they have 30 days and if no response is received from the creditor, it had to be removed? He said " yes '' but some of the creditors stated they would n't have the info until XXXX and XXXX said XXXX. This is also not my problem. If the reporting companies do n't comply, they should remove it from my report. Am I wrong or missing something? I think they 're stalling on my dispute/verification. His grand finale of excuses was " we are receiving millions of disputes that we ca n't keep up. He explained that they all wo n't be handled in 30 days they and needed to ask for extensions. I do n't believe that a lack of proper forecasting on their business end should constitute a problem on my credit file. In addition, as of today X/XX/17, my name has already been changed from XXXX to XXXX, therefore they shouldnt need additional time on my dispute. Please help me. I believe this is a stall tactic which happens to be infringing upon my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing is repeatedly engaging in a practice of refusing to credit my payments to my mortgage account with them. They are agents for XXXX, and XXXX is the bank that I use to make the payments, so there is no excuse for them failing to record all of these payments. I do wonder if they are acting in bad faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage on my renal property was sold  by one com pany to another in   XXXX   XXXX   XXXX     and I was under the impression that I needed to mak e two mortgag e payments to the new lender in  XXXX , as they were taking over the loan as of  X/X/16   . Because of the mix-up on my part, I missed my last payment  (   XXXX   XXXX   ) with  the previous lender and they reported me to the credit bureaus as being 30 days late. As soon as I realized my mix-up, I m ade two payments i n   XXXX   to the new lender to bring the loan current.     I had never been late with my previous lender, so I called and asked them to do a goodwill adjustment to remove the 30 day late because it is impacting my ability to refinance my current home.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit card () with CITIBANK, N.A. ().
Issue: Billing disputes

Complaint: its not my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates ( Debt Collection Agency ) discharged a debt they claim I owed to them on behalf of a previous merchant on XXXX XXXX, 2016. I recently received a XXXX form from the IRS showing that this company discharged this debt on XXXX XXXX, 2016. In doing so, they charged it to me, whereas I must now report this onto my 2016 Tax returns. Furthermore, Portfolio Recovery Associates LLC has continued to attempt to collect this throughout the year ( 2016 ). The latest written correspondence I received from this company attempting to collect a debt was on XXXX XXXX, 2016 ; nine ( 9 ) months after discharging it. This appears to be misleading, and undermining to their credibility as a business. They claim to have discharged this debt to the Internal Revenue Service, yet they are still trying to collect it months later. 

This is not the only time that Portfolio Recovery Associates has violated the FDPA. In fact, it seems they have a pattern of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called TransUnion several times to have them remove unauthorized inquiries from my credit report. I have a right to dispute and have removed any unauthorized information from my credit report. XXXX and another rep stated that they do n't dispute inquiries and asked that I call the company who placed the inquiries on my credit. I have been unable to identify who these companies are and the ones who I was able to successful reached stated that I need to contact the credit bureau directly. XXXX, XXXX, XXXX, XXXX. Please remove thses unauthorized inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Consumer Loan (Vehicle lease) with VW Credit (FL).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2016 I went to XXXX XXXX and negotiated a lease for a XXXX XXXX. I signed the contract with them, they delivered the car and assigned the contract to VW Credit XXXX, XXXX On XXXX XXXX the dealer contact me asking more information, which I provided to them. Latter they contact me again because they want to change the contract, but I do not want to change it. I need to pay the first installment and VW Credit do not have me in their system, so I am not able to do it. I contact them and they referred me to the dealer who is harassing me with calls and mails because they want to change the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company midland credit consistently keeps calling me XXXX everyday from XXXX again at XXXX then XXXX XXXX and XXXX or XXXX I consider this phone harassment. And i complained to the fcc about this in the past

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed this with XXXX, XXXX and Trans Union several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that XXXX is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2015 about Debt collection (Payday loan) with Internal Check Systems, LLC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A gentleman by the name of XXXX XXXX is calling me, my wife, my parents, my wife 's parent, and my friends and telling them I have a court judgement against me and that he was sending a law official over to issue a citation for arrest. He calls non-stop and provides this information. I called the courts and they do not have a number that he keeps giving and they do not have any record of him. Please help. I have kept a recording of what he says on my phone. 

XXXX XXXX # XXXX

Company response to consumer: Untimely response
Consumer complaint received 11/15/2017 about Checking or savings account (Other banking product or service) with SUNTRUST BANKS, INC. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Hi - SunTrust offered a promotion of {$600.00} to open a bank and credit card. 
After 6 months finally received {$200.00} although they have charged almost {$300.00} in fees. No bank XXXX for 7 months. 
Rude and arrogant staff.
Called over 10 times. 
They show no concern or compassion for this situation.

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 12/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX I took out a mortgage on my home $ XXXX the first few months it was transferred several times until it was acquired by XXXX and I made my payments to them until XXXX XXXX when they returned my last payment and informed me that it was now being handled by Ocwen Loan service and that I would be receiving information from them very shortly where to make the payment. After waiting a couple weeks and not hear from them I contacted XXXX because I started receiving letters for nonpayments and threats of foreclosure. In XXXX XXXX I asked my principal balance it was {$130000.00}. So I contacted Ocwen to be informed it was not all in their system and I would be contacted as soon as everything was transferred. Several weeks later I contacted Ocwen again at that time ask my principal balance. In XXXX XXXX they sent me a payoff quote of XXXX I immediately started disputing it. That is when my nightmare began. On XXXX/XXXX/XXXX I made a payment of $ XXXX Ocwen by wire transfer. In XXXX I made payments in a total of {$22000.00}. Still fighting with them. In XXXX I received a letter of foreclosure. Tired of the fight I Wired {$5000.00} to Ocwen. Thinking everything was done I waited for my releasably of lien to my surprise instead I was served paper on forclosure had to hire lawyers and go to court on our court dated my Lawer provided theirs with all pymt proof, insurance, tax reciepts, and a letter from a CPA stating as of XXXX XXXX Ocwen had been overpaid {$3000.00} so we did n't go to court. A week later my attorney received a letter from their attorney informing him that he was withdrawing from the case because even with all the reciepts and letter Ocwen want to continue with foreclosure. And again I was served papers by a different attorney foreclosing. I met with my attorney that day we decided to contact their attorney settle then file suit for the money over paid and the settlement amount. This was XXXX XXXX he sent their attorney a cashier 's check for the amount of {$3100.00} Again I thought it was over. But I continue to receive letters instead of the release of lien so in XXXX of XXXX I had to stop payment on the cashiers check and have a new one issued because when my attorney spoke with Ocwen he was told ( it 's somewhere did n't know where ) and I had to sign a new payoff Affidavit that stated I was not going to try to recover funds in the suspended account or any overages that I my have paid and could n't make any derogative remarks about Ocwen. Finally on XXXX XXXX I received a letter of satisfaction. ( recovery, release / discharge ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016, XXXX sold my mortgage to Nationstar Mortgage. In addition to the normal mortgage, I had an obligation to pay {$390.00} for the cost of an interim property insurance policy, which debt was assigned to an escrow account. In XXXX 2016, I sent an additional {$500.00} payment to Nationstar to cover the {$390.00} escrow debt, with the expectation that the excess would be applied to my mortgage. However, Nationstar applied the {$500.00} incorrectly to my loan principle, leaving the {$390.00} escrow debt ( for the insurance policy ) unpaid. When the next regular payment cycle started, my " amount due '' showed as {$390.00} greater than it should be. 
I 've tried, on XXXX separate occasions, to work with Nationstar to get the problem corrected, and they always assure me they 've fixed the problem, but every month, the situation is exactly the same. They seem to be incapable of correcting this error, nor will they refund me the misapplied {$500.00}. If I call them again, they 'll just do the same thing they have the past three times, whatever that may be, and nothing will be fixed. I have never missed a full payment. The only deviation was when I sent an additional payment to close out the escrow debt, and now I can not get them to correct their mistake. I need some help with this. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Online Collections recently reported a collection account on my credit report. They had already reported this same collection account on my credit report for a period of seven years. However, due to the seven year rule on the Fair Credit Reporting Act, the account simply dropped off my credit report. Recently, Online Collection changed the date of last activity on this account ; I assume so they could put it back on my credit report. But this time, they did not provide a notice of right to dispute before reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I was a XXXX. We had credit card issued in the XXXX name the XXXX dissolved and the XXXX where suppose to pay the credit card out of the asset of the XXXX. The other XXXX decided not to breakup the XXXX and not pay on the credit card. Without me even knowing Chase reported the default on the card with a charge off on my credit report. After several letters to Chase for for verification and correction of the error I have never received a response and it is effecting my credit history and my options on loans etc. I even tried to write them a letter asking for their agent service in California so I can sue them. They just wont respond. I decided to report them to the federal government in hopes I can get some response from them. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has suppress an auto loan and has made excuses not to add the account to my profile.

Company response to consumer: Closed with explanation