milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2016 about Debt collection (I do not know) with Navient Solutions, LLC. (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I called a place called navient and told them the person they are sending the collection letters to does not live here and i dont know who the person is.i asked the supervisors on 3 or 4 occasions to stop mailing me this mail and i dont know who the perso. Is and they tell me ok we will take care of it and take the address off file.it has not worked.im getting harassed and im the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with ERC (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am in collections from at XXXX XXXX XXXX bill in the amount of XXXX. XXXX XXXX XXXX sent me to collections with a company called ERC. In XX/XX/XXXX, ERC mailed me a settlement offer of {$970.00}, which I accepted by a letter. When I accepted, I told ERC I would be making weekly payments of {$25.00} till paid in full. As of todays date of XX/XX/XXXX, I have 13 cleared checks totaling {$320.00} to ERC. I have not missed a payment since we started our agreement on XX/XX/XXXX. On XX/XX/XXXX, I received a statement from ERC saying I owed a total of {$1100.00}. I wrote ERC back with my payment that week, reminding them of our settlement agreement. I told them that according to our agreement, I owed {$720.00} at that time. Ive continued to make my weekly payments. I now have received a letter from them on XX/XX/XXXX saying that I owe XXXX. This company should not be able to back out of a settlement agreement, especially since I told them I would make weekly payments back in XX/XX/XXXX when we reached this agreement, and I have not missed a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am filing this complaint about the data breach. You onto the Equifax website, and get the run around. You call them, and speak with someone who can barely speak XXXX, but says their in Oregon. They tell you that you can not use an IPhone, but it has the mobile app. You are messing with people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective   XXXX   XXXX  , 2017 any public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus.
Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.
Docket :  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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The credit bureaus state that inquiries on my credit file that were not authorized are " a factual record of file access '' and refuses to investigate per my written request to dispute. Also the credit bureaus refuse to delete these unauthorized credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: **This is not  an Duplicate Complaint. Follow up from Complaint  #  XXXX  There is no need place an " Dispute '' on this account your claiming is mine.     The aforementioned credit collection agency representing whomever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ARS Account Resolution does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay  ) the y need to retract this from my credit file immediately.

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 02/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX XXXX made an inquiry on my credit report without my permission and Transunion allowed them to. I am getting the run around from both XXXX XXXX and Transunion on why this happen and to cease this from happening in the future. After speaking with the XXXX person, XXXX, at XXXX and being hung up on 4 times he told me to contact you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed a fraudulent inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX 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 non-monetary relief
Consumer complaint received 01/16/2018 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX XXXX was the original creditor. I reached out to them and the manager at the time the alleged debt occurred. They did verify I did not owe them because of prior arrangements with the office manager which were in writing and verified with corporate. This collection has been disputed because it is not valid. I have repeatedly asked for the rent roll on my account. All documents from the alleged debt and reciepts of payments made on my account along with allocation of non returned deposits etc. The collection company can not provide this. They have failed to provide the oroginal date of collection and continue to change the date so as not to have to discharge from my report. This is illegal. It needs to be deleted immediately or I fear I will have to file suit for malicious debt collection on a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Ocwen s ettled my conventional loan with a DIL, which I wanted, and I am no longer in procession of the house. However, I also had a home equity loan as a  XXXX  lien. We negotiated the $  XXXX  balance down to {$23000.00} of which I paid off {$11000.00} in  XXXX   XXXX . I have letters from  Ocwen st ating they would pay the remaining {$12000.00} with th e Hafa  program. T he DIL  was finalized on  XXXX   XXXX ,  XXXX . However,  Ocwen fail ed to pay off the  XXXX  lien to  XXXX  Bank. The loan was initially given to  XXXX   XXXX  and now the law firm of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  is handling it. They just contacted me have given me until the end of the month to pay the remaining balance  that Ocwen ne ver paid or they are taking me to court. I have contacted people fro m Ocwen and they say they are taking care of it and that they needed a letter from me to discuss the file with the law firm in which I provided. Because of Ocwens  history of being able to complete things on time I am worried that this will not happen before  XXXX / XXXX / XXXX . If that is the case, I plan to su e Ocwen for  whatever amount   XXXX   XXXX   takes me to court for which could be anywhere from $  XXXX  {$25000.00}.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account is listed as 120 days past due when it is current under the new service provider XXXX. I have disputed amount and is still reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX I mailed out disputes to XXXX, experian and XXXX in reference to inquiries that showed up on my credit report. I asked each credit bureau to provide proof of these inquiries in writing. The response I received XXXX was a generic letter telling me to contact the creditor from XXXX XXXX removed two inquires but nothing else on the others, experian sent me a copy of my credit report. Stating that if you look at the bottom of this page if the items you contacted us about do n't appear this means these items are no longer effecting your report or our investigation was able to confirm the item.

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 03/14/2017 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: Specialized Loan Servicing has a 3rd Party Vendor who will not answer their phones. The bank has not called me back or answered their phones since the appraiser was at the property. The appraisal was completed on XX/XX/2017, but I have no idea of what the value came back as. I was told to sent a written request for information and was provided a fax #. I have now received written response from SLS stating that I now have to submit it in writing and not by Fax. The miscommunication and lack of communication is unacceptable and the delays should not be tolerated. The appraisal will expire soon and then the bank will need to provide a new one. This is a waste of time and resources and in acceptable

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 02/24/2017 about Debt collection (Medical) with AmeriCollect (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The company will not work with me. I asked to work with them on a settlement. Company was extremely rude and inappropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted XXXX and they informed me as I had reported that this credit card was obtained fradulently and even though I have reported to credit bureaus and also asked XXXX to notify nothing has been done and it 's been on there for years. As for the Tax Leins ' the IRS figured those years of my taxes and they are the ones that obviously made the errors, but yet I am being financially punished.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX. XXXX XXXX PA XXXX Is reporting a personal line of credit which had no balance and was paid in full as included in Bankruptcy. 
The same with a auto loan and mortgage. These accounts were not discharged in my Bankruptcy. The bankruptcy judge and attorney was aware these items were to continue to be paid as agree never late. All three credit bureaus are reporting this information inaccurately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Improper use of identity file without consent in violation of FDCPA.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017 news was released that Equifax had a data breach. According to their website, my personal information may have been compromised. As a leading credit reporting agency, I am disappointed that they did not have the security precautions necessary to prevent this hack. I am also upset that executives of the company acted in poor conduct by selling stock days after they were told about the attack.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Application, originator, mortgage broker

Complaint: I was a recipient of a meager {$500.00} from the XXXX. I was then sued by JP Morgan Chase in foreclosure. I believe when they saw I was a part of that lawsuit the switched out the Plaintiff for XXXX loan with what looks like a fake allonge. At the same time I called XXXX and they said they were in possession of and own the note. 


This all resulted from a fraudulently induced modification by XXXX in 2010, where my ex husband who is on the deed did not sign the modification. My income was not enough to pay the loan and still be able to pay other bills. It did not lower the payment or interest rate but they charged me {$1800.00}. They delayed the modification first, for 6 months and added a bunch of charges. I do not believe XXXX was allowed at that time by the DOJ agreement to do modifications. And with the XXXX in settlements from those banks, it appears very little went to the victims. Where did it go? 
The county judge in Pennsylvania would not allow me to file a counterclaim and granted them a summary judgment. 

I can not afford a lawyer. Today I got a notice of Sheriff Sale from XXXX. Is there anyone that can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I have owned a rental property for over twelve+ years. The mortgage was an ARM and the amount went up over the years that we had to pay monthly. The other expenses of the house also increased quite a bit, to the point where we were no longer able to pay the mortgage. Over the years we spent all of our savings trying to pay the mortgage thinking it would work out but it did not. We had to default about a year ago ( XXXX 2014 ) and applied for a loan modification. We were denied the loan modification because the lender ( Chase ) refused to consider the rental income from the property for no apparent reason. All they will say is that this is their " guideline. '' Also they insist on imposing a XXXX % " vacancy rate '' on other rental income we receive on other properties, when we have never had a vacancy rate anywhere close to that. This results in our income appearing to be vastly lower than it really is. We have now applied twice for a loan modification and were denied a second time for the same reason. Chase will give no explanation as to their reasoning. They seem to be determined not to give us a loan modification. They make up their own rules to suit their desired outcome. We are not asking for any debt forgiveness, just a lower mortgage payment. We have no idea why it would be so hard to give a loan modification. It would seem preferable to a foreclosure or short sale for them, but perhaps they have some hidden reason why they want our house. They are completely unreasonable and have been very difficult to deal with. They call us constantly, harassing us, when we were actually waiting on their decision. I take their calls and talk to them and it is always a different person who has no idea of the specifics of the situation, they are just calling to harass us.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX account XXXX seems to be reporting the wrong date opened for the account and the credit account is reporting and re-aging serveral times on my Transunion report. It was a XXXX account XXXX which became a XXXX XXXX Account XXXX which became a XXXX Account .Its seems the same account is being reported XXXX different times on my report. XXXX XXXX is refusing to answer my complaint or change the re-aging or fully investigate. When accounts are duplicated they should be removed from my credit report. Requested a validation of debt also.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i was hit by a XXXX driver in XXXX and the ambulance fee wasnt paid in time but i was suing the insurance company to get all fees paid so the ambulance fee didnt get paid in time. im trying to get this off of my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with CORELOGIC INC (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: unfamiliar with the inquiry

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 03-09-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Other transaction issues

Complaint: I purchased a pair of " Authentic XXXX XXXX XXXX XXXX XXXX size XXXX '' on XXXX/XXXX/16 from a seller off of PayPal. He told me to use the friends and family option which would not charge him a fee. He said he would ship within 2 days and I messaged him asking him if he shipped the shoes out or not but I get no respond. I found out that he was a scammer because I did n't know that I would n't get protected if I chose the friends and family option on PayPal which he is NOT A FRIEND OR FAMILY. I 've tried everything I could to do on PayPal and no refund. I just want my full refund, I never received my item and I know I will not receive what I paid for and the money I worked hard and earned for.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Medical) with Total Recovery Services, Inc (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: My husband and I were denied a mortgage because of credit history problems. This was a shock to us. We found out that a debt collection agency kept abusing my credit history each month without my knowledge. It turned out that when we moved XXXX miles away- there was a medical Bill that was unpaid. I have always been on top of my things ( paying bills, changing addresses etc ). USPS had a forwarding address on file. Somehow the debt collection agency claims that they received returned mail. 

My understanding is that they did not bother to do anything at all to try and contact me. They have no proof that they could provide. In todays world it is not hard to track someone down who live openly online. Why did I not get bills forwarded from the doctors office, or from the collection agency or even phone calls or anything at all for 6 months? 

I had to contact the collection firm to pay the bill! I feel cheated and I know that nobody can help me.

Company response to consumer: Closed with explanation