milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have submitted certified letters to all 3 credit bureaus and a collection bearing two names, XXXX XXXX XXXX and XXXX XXXX XXXX. After reading about the countless lawsuits compiled by this collection agency, no wonder they have two names. According to FCRA section 609, I asked for validity and proof of ownership for something they had placed on my credit file. Some sort of medical bill that I have no knowledge of and which is odd, considering I am single with no kids. Generally someone would know if they have been to a clinic or hospital

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 06/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am devastated and frustrated after not able to come to a work out plan with Ocwen that will be affordable. Due to circumstances beyond my control .I had entered in to permanent loan modification in XXXX with an un paid balance of {$560000.00} This modification included a graduated interest rate and payment based on a schedule with an escrow account every month in the amount of {$1400.00}. Payments were interest only with a balloon payment at the end of 30 years..I was laid off from my job in XXXX of XXXX and shortly after I became ill and XXXX was necessary. That kept me out of work for several month. I began to default on my mortgage in XXXX. The adjusted payments became tough on us. I reached out to Ocwen for help to no success. I have provided documents requested and all they have done is pros pone and pros pone reviews to the e point that this delayed has increased the note to {$700000.00} thousand dollars. I want to keep my home. We have XXXX children to provide shelter for. Please hear me out. Refinancing as this point is not an option for I have done an appraisal and my home is worth less than what we owe. 
There are a lot of issues regarding my note which includes TILA issues.. 
I had no other choice than to request a Mortgage Fraud Investigator to complete a review of my mortgage.. 
All I really want is to keep my home for my children .Please I am really looking for an affordable mortgage.. Hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX BANK WAS PAIN IN FULL NEVER LATE CLOSED BY USER. I CALLED BOU THIS AD WAS TOLD IT WOULD BE UPDATED- IT NEVER WAS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Home equity loan or line of credit) with STATE FARM BANK, FSB (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had applied for a loan modification to State Farm Bank. After the agreement to modify said loan was agreed on. I made the initial payment and XXXX more payments with no problems, While attempting to make pmt # XXXX the Bank refused to accept. I an in litigation now and recently found out that the Bank had put in a claim to the Title Company and were paid off. 
I need this problem solved iut is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (HI).
Issue: Loan servicing, payments, escrow account

Complaint: If I pay my mortgage early in the month say on the XXXX of the month, rather than say the XXXX, I should get a little bit extra in capital reduction because for 24 days the principal is lower. It does not happen that way ; I pay interest as if the higher principal existed for the full month. It is only a few dollars per month but it will add up over years. This is especially true if I pay a little extra towards reduction of the principal.

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 EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX/XXXX/XXXX I filed complaint # XXXX with all necessary proof attached to that complaint. It reads as follows : In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they MUST be removed immediately to avoid litigation : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9.  XXXX XXXX 10. XXXX XXXXl XXXX Please be advised that I have received your computer generated response stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on XXXX/XXXX/XXXX by CFPB complaint # XXXX that I questioned the accuracy of a few items on my credit reports. That request was written by me and sent by menot a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. Please take notice that this letter dated [ insert todays date ] is formal notice to you that I am requesting that you continue forward with my original investigation request and send the results to me within 15 days. I therefore legally and lawfully refuse your form letter, thus giving you only 15 days, not 30 more. I am outraged at your accusation and I have fully researched my rights in regards to my credit file. I look forward to your expediting my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We bought this property on XX/XX/XXXX for a value of {$74000.00}. Originally we take a mortgage loan of {$65000.00}. From XX/XX/XXXX to XX/XX/XXXX we had financial problems and we were unable to do the payments. Then on XX/XX/XXXX it was a established a new loan for the amount of {$72000.00} since that we made payments twice a month of {$670.00}. each. 
Now that we ask for the payoff because we are trying to get a new loan in another bank they are telling us that our balance is {$100000.00}. 
They send us an statement and there was not reduced all the double payments we made since XX/XX/XXXX up to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (I do not know) with Midwest Recovery Systems (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX sent a false collection to Midwest Recovery System. Collection now hit my credit reports even though I never had any knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (I do not know) with Independent Recovery Resources, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: IRR, Inc .    XXXX   XXXX   XXXX   XXXX , NY  XXXX  Toll Free :  XXXX  Telephone :  XXXX  Fax :  XXXX  Email :  XXXX  XXXX  XXXX   XXXX  started calling my cell phone number several weeks ago to try to collect a debt from the person who must have had my number 4 years ago. They called several times a day from multiple numbers. If I called the numbers back it gave  me 2 options 1- I am  the person they are calling for  2- I am not the person they are calling for. When I selected 2 I was prompted to provide my collections account number- which I do not have because it is a wrong number. I was not able to talk to a real person or select an option to let someone know it was a wrong number. Sometimes I would even choose the 1st choice of being the person they w ere calling still could not get a person on the phone.   I even called the hospital that the debt was owed to. They gave me a number that was also automated and gave me the same choices. Because I called from my cell phone it would prompts me as if I was the person they were looking for. I looked up contact info online. I could not speak to a real person. Finally I called from another number this seemed to confuse the system and I finally got a   3rd choice wrong number.
4 years ago when i got this phone number the person in question used to get many calls. All the other debt collectors had a way I could let them know they ha  d an old phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection agency is fraudulently re-aging the account to make it appear newer in hopes that I will give in and pay them even though it 's not mine. This is clearly a violation of FTC and FCRA regualtions, as they have failed to report with accuracy and integrity. 

I have filed several disputes as I do not believe that this is my account. XXXX of the XXXX credit reporting agencies have removed this account due to lack of validation. In fact, the Original Creditor ( XXXX XXXX ) continues to extend me credit. I have an auto loan and XXXX credit cards with them that have a perfect record. 

Yet, a collection agency continues to re-validate and re-age zombie debt that I do n't believe is mine on my XXXX report. I have disputed this in XXXX XXXX and XXXX XXXX. My XXXX XXXX XXXX report clearly shows in the comments my XXXX XXXX request for dispute, validation and correction. I have even sent certified return receipt letters in attempts to correct this. The collection agency has sent back letters stating that they have validated all information. 

My XXXX XXXX XXXX report shows the collection agency reporting the Date opened as XXXX XXXX and First Reported as XXXX XXXX. ( viewed as a relatively new account ) My report from XXXX XXXX shows the original creditor and the date opened is ACTUALLY XXXX XXXX and the First Reported as XXXX XXXX. The collection agency has sent me statements from XXXX XXXX showing the debt was clearly in XXXX. The information that the collection agency is reporting to XXXX does not match the orginal creditors information and lacks integrity and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,   XXXX  , I sent a letter through Certified Mail, to Equifax disputing multiple inquiries on my credit report that I do not recall authorizing. I do understand that they should n't be allowed to put an inquiry on my file unless I have authorized it. I requested that they be removed simply because the FCRA states that the only permissible purpose for pulling someone 's credit is for either a Firm Offer of Credit, Insurance, Employment or Court Order, none of which applied to these inquiries in question. On  XXXX   XXXX ,   XXXX  , I received a letter from Equifax stating that it was in reference to my question regarding inquiries. Problem is, I never asked a question, I simply stated that my letter was a dispute of the following information on my credit file. They did not honor my request and continue to allow these multiple unrecognized inquiries to remain on my credit file. Since disputing through certified mail, I have called Equifax on multiple occasions requesting to dispute the multiple unrecognized inquiries and have been repeatedly told that they were unable to dispute or remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: According to Ditech I had since XXXX XXXX late fees. I ca n't understand how I would have late fee if I always if paid late sent in my mortgage with the late fee included. They decided to apply these fees how ever they liked and never reduced the late fee charges. If you look at my attached documents you can see approximately around XXXX of XXXX I started to send extra payments to catch up to everything and anything I was late in. I called customer service and they went over the statement and even gave me a breakdown of how I can pay everything in full so that the account can be up to date. From XXXX XXXX thru XXXX XXXX I made all the overage payments along with my regular mtg payments ( my mtg is {$1700.00} per month ). After I did all this, I continued to see that I had more money owed, in other words, my balance continued to increase instead of having my regular monthly balance that I owed each month. When I called again around XXXX XXXX I again asked them to give me the total to complete in full any negative and I once again did the same. This time they told me it was due to an escrow that forced on my account without me ever, ever escrowing in this account. When I thought I brought everything current ( which was a total in XXXX XXXX of {$4900.00} ) and made my XXXX payment I received another letter stating that the payment was a partial payment and that I owed them {$3400.00} and they would take legal action ( I attached those documents as well ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: This is regarding Navient. I have two complaints against them ; 1 ) they misled me on late fees, 2 ) they will not offer flexible payment options even though I told them my income varies week to week as a XXXX, and that in the XXXX I am unemployed, as XXXX are not salaried like XXXX. 
I was put into a Rate Reduction Program from XXXX. I was told I can pick my own payment dates, I picked the end of every month as the due date. I gave them my bank account number so the payment is debited every month at the end of the month. When I logged into my account online I see that I was consistently charged a late fee of {$6.00}, and overall, my payments were applied to interests and other unspecified " fees '' that were not explained. Out of the {$130.00} I pay monthly, very little if at all goes to the principal. Secondly, when I called them to extend the reduced payments, and to ask about the fees I see online, I was laughed at by customer service, and rebuffed by the supervisor. I was denied an extension of the reduced rate, and my monthly payments will go up despite my income being the same. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: EQUIFAX reinserted a closed account in which I have no account agreement or signiture showing agreement to account # XXXX. On report it shows XXXX balance and XXXX due. 
I have no knowledge of such an account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX has several loans on my credit report as open even though I had consolidated and have been paying XXXX for over seven years. they keep updating my credit report with an increasing balance. I have contacted XXXX and they have no record of having an account with them. I've have tried disputing on my credit account but they come back verified and accurate. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: I submitted a mortgage application to the XXXX XXXX branch of Citizens Bank located in XXXX, NY in XX/XX/XXXX. The mortgage broker for Citizens sent me a closing cost estimate and embedded into the estimate a full point without disclosing to me he was doing that. It was clear he did so in order to lower the rate and become more competitive with other lending institutions I was talking to. It turned out that the cost of the discount point was more that the interest I would have saved if I had taken his rate. When I complained to the branch what he had done the branch negated his action as unimportant.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted this company on several occasions to update my credit report with the correct information. They continuously report that my account is closed and does not reflect the actual balance on my mortgage. I have spoke with several managers that assured me that this would be corrected and as of today 's date, it has n't. My account is current and open and I would like that information reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian still has showing on my credit report an unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/2014 after they stated it was not showing on my report. I need for this unauthorized inquiry be removed once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (HI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This {$500.00} fee From XXXX XXXX just came out of absolutely nowhere i have no clue what it is for or where it came from. For one i can not pay it because it is way to big of an amount being that I am XXXX years old having to deal with these crippling creditors because of a broken medical system, also it is destroying my credit. It says it was reported on XXXX XXXX, XXXX with the original creditor or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient bought my loan from XXXX XXXX. They changed the interest rate thus increasing my balance due without following proper procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: 1. Put me in forbearance for delinquency when no payments have been missed or late 2. Redesignated lump sum payments to paid ahead purposefully made in not paid ahead status with a permanent do not pay ahead selected on account prior to lump sum payments 3. Combined loans into single payment when asked before and I elected to keep two separate pay dates 4. Cancelled current contracted pay as you earn program for 12th month ( XXXX 2017 ) because of recalculating payment under a new plan and telling me for the 12th payment I either have to be placed in forbearance for delinquency status or pay the standard payment for the month of XXXX and that the payment would not qualify under my Public Service Loan Repayment program. Would not allow for contracted income driven repayment plan final payment amount to apply.

Company response to consumer: Closed with non-monetary relief