milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have received 2 letters ( attached ) from XXXX stating that they have notified Equifax to delete this. One is dated XXXX/XXXX/17 and the other, XXXX/XXXX/17 yet they have failed to delete this account as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2016 about Debt collection (Payday loan) with Debt Management Partners LLC (WA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have been getting phone calls from an agency. The calls always come in from " unknown '' " anonymous '' or " blocked '' telephone numbers. The first call I got was from someone stating he was am " enforcement officer ''. He told me he had been " looking for me ''. He said since I had made his job difficult he was going to make my life difficult. He then provided me with a telephone number to call as well as a case number stating there was a legal case being filed against me. The phone number is : XXXX. Not 2 minutes after I hung up with him I got a voicemail message on my phone from a female leaving the same number so I called it back. 
They say they are " XXXX '' I called the number and spoke to a lady who told me fraud charges were being filed against me for a payday loan I defaulted on from 3 years ago. She said her agency had purchased the debt and I owed them {$2000.00} to stop them from taking me to court. I told her I did n't have the money. She then listed names of friends and relatives stating she was going to contact them as well as my employer and tell them just what kind of person I was. I asked why they called from unavailable numbers and were threatening me. She said they do n't make the calls that they hire outside agencies to handle that and they only take incoming calls and that they can do anything they want they have a 99 % success rate and hung up on me. Several hours later I received a call from my sister who resides on the other side of the country in XXXX. Her mother in law got a call from someone looking for ME. I have never even met my sister 's mother-in-law. She is elderly. Whatever they said really upset her and it was embarassing to me. I 'm not sure what to do. It just does n't seem right. On a side note, my address and phone number have not changed since I took out the loan years ago. I have lived at the same address for 7 years. They obviously know how to reach me, they are choosing to harass me to try to intimidate me or something. It 's kind of scary.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I setup payment arrangements with this company and after arrangements were made phone calls started stating they would not accept the payment method I have. So after arrangements were made they sent me a letter stating they cancelled the arrangements and have continued to call me daily 4-5 times a day. I ca n't afcord to spend more money then what was agreed to in order to make the payments and they keep insisting that its my responsibility to change my payment methods in order for them to accept the payments.

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 03-04-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (WV).
Issue: Loan servicing, payments, escrow account

Complaint: IN XXXX I GOT A XXXX MOTGAGE WITH XXXX WHICH WAS SOLD TO SHELLPOINT. I PAID IT OFF XX/XX/2015. I RECENTLY TRIED TO REFINANCE AND THE LAWYER FOUND THE DEED OF TRUST WAS NOT RELEASED PROPERLY AS IT WAS RELEASED BY XXXX WITH NO POWER OF ATTORNEY FOR XXXX TO RELEASE THE DEED. NUMEROUS PHONE CALLS BY MYSELF AND THE LAWYER HAVE NOT BEEN ABLE TO RESOLVE THE ISSUE.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: HelloI have been sued by Citibank for alleged credit card charges. I would like information regarding the US Consumer Financial Protection Bureau said " XXXX consumer bank has been ordered to pay {$700.00} XXXX in relief to borrowers for illegal credit card practices '' and any other action regarding Citibank consumer fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with PAYPAL HOLDINGS INC. (TN).
Issue: Unsolicited issuance of credit card

Complaint: Paypal Credit pulled my credit score without my consent, resulting in a hard credit inquiry on my credit report. The last time I was on Paypal, all I did was update my profile by adding my new bank account and my SSN. I just saved the information to my profile, I did not consent to them running it for Paypal credit. After doing some research, this has happened to many other people. It 's like as soon as they have your SSN, they take that as an okay to run your credit. The only thing I was doing was trying to get my profile as updated and completed as I could.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently attempting to assume and modify a loan under which I am currently the executor of the estate since the death of my relative. Chase is asking me to do illegal acts in order to modify and assume the loan such as file quit claim deeds on behalf of my deceased relative and to pre-file the quit claim deed that is to be filed to remove my sister from the estate. I live in the home and they are not working with me in any way in order to keep the home. I have been going through this process for 6 months and today I found out my case was denied because I did not file a deed that it is unlawful to file. Please help me to know my options in order to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Got an email from Transunion telling to look at a credit report, they want my credit card for verification, a few days later s=charged my banl {$17.00} without any notice or authorization. I closed it immediately but still am being charged. Why is this not illegal? I saw no checked box authorizing this and I check all the time. 

This is an awful company preying on people with credit problems and poor people. Charged XXXX no less.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have been having difficulties with Navient for years. They were becoming a nuisance with incessant phone calls, so I wrote them a lettter to cease and desist. They then informed me that they would refuse to contact me in any form. I NEVER said that they could not contact me via email, or postal mail. I have reason to believe that the loan has been paid in full, but I can not verify so because of Navient 's steadfast refusal to communicate with me. I have not received any correspondence stating that the loan has been paid in full, if any overages have been refunded, or if XXXX/XXXX/XXXX has been notified of the account being closed. Navient is grossly out of control in it 's customer service practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/18/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (OK).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I have had a loan with Ally Financial since XXXX, XXXX and it has been an awful experience. I have fallen behind a few times but I was hacked ( not sure of the origination of being hacked ) around the same time I purchased the vehicle and it has been nothing but trouble since trying to deal with all of that and other issues. I 've also lost XXXX jobs in the time I 've had the loan and it 's been a little bit of a challenge. However, I always make payments at least monthly ( aside from this time period ) and do my best to get caught up. If I am late, I make it up by paying bi-weekly to get caught up. 

At the end of XXXX or beginning of XXXX ( XXXX ) I called Ally to let them know that my XXXX XXXX payment would be late. The representative said instead of making the payment late I could defer. I did n't really want to do that but he seemed adamant about it, so he set it up. We had also moved and I was waiting for the letter detailing the deferment to make the payment which I assumed would be XXXX. Ally does not tell you the date, only that you have 10 days from the date of the letter to make the first payment. I expected this to be XXXX. On XXXX I received a call from my father wondering why my auto company was calling him. I called Ally and they said that it was because I had no number to call which is not true. The only number I have ever asked Ally not to call was my work number. Then the representative began demanding payment stating that I had not honored the deferment and that it needed to be paid now. I explained I thought and was pretty sure I had been told I could pay by XXXX but he said it was due that day, right then. I hung up because he was so rude. I called back and the lady who I got was just as rude and I told her that if they would not honor the original arrangement I would have to split up payments bi-weekly. She refused the arrangement. I have been trying since to make an arrangement I can work with and they will not help me. 

Today I spoke with XXXX XXXX who said that she can not gurantee anything even if I pay on XXXX XXXX. They are being awful. They denied my payment arrangement and now are making all kinds of excuses to not help me. 

I have had so many problems with this company it is not even funny. I will not be treated this way. The account was in good standing to the best of my knowledge when this happened.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 been a victim of identity theft, and someone used my information to obtain a Loan through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because  XXXX ,   XXXX   XXXX   and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It 's been over 30 days and still no resolution from my last set of documents.

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 11-11-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Collections is now on my credit report and they are trying to collect a debt that was paid off by my agreement with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Have received XXXX collection letters from TRS Recovery Services Inc claiming I owe {$1200.00} for appliances that were purchased from XXXX. Plus they are attempting to collect an additional {$120.00} for return check fee. Total {$1300.00}. I have neither purchased any goods from XXXX in the last years. I have no XXXX Credit card. Have no idea how they obtained my name and address. I am XXXX years old and know XXXX are targets of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I sent XXXX certified letters in reference to XXXX XXXX and XXXX accounts to remove the verbiage that I disagree with dispute. I said I DO NOT DISAGREE, so there is n't anything to resolve!!! Today they were both added back, why???. 
XXXX - " Dispute resolved ; customer disagrees '' XXXX XXXX - " Dispute resolved ; reported by grantor ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: In   XXXX   I had a  XXXX , I contacted  Wells Fargo f or a temporary payment plan while I was in recovery.As I called to make sure that I did not default on my mortgage I got different stories. The end result was to reapply for a loan modification.Then  ASC  was the servicer.     I work in a resturant and have a 20 % investment in the job where I work.  Wells Farg  o/ASC req uested tax return from the  XXXX  where I work. I had to beg the owner to allow me to show the tax return from their business.Now after going through all of that the person that was working on my file was transferred and the new woman assigned said that they did not need it.     If I sent  Wells Farg  o/ASC wha t they requested today in the next  two  days they would say the Underwriting was asking for this or that ..and then come to find out it never made it to Underwriting yet.   Then there is re-entry and they told me that there is absolutely nothing that I can do to save my home from foreclosure. They said I have used all of my chances and they will not consider any help for me!   I have saved money that I could pay a good faith down payment and go on trial payments toward a plan to save my home. They absolutely would not discuss it.

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 05-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX, XXXX sent my loan modified mortgage to Fay Servicing LLC. The assigned account manager, XXXX XXXX, advised XXXX XXXX, that I not send my arranged monthly payments to Fay ( based on XXXX 's calculations ) because Fay had not received all my paperwork. XXXX XXXX was late at sending out new paperwork for me to apply for the same loan modification with Fay. I received Fay 's paperwork XX/XX/XXXX/XX/XX/XXXX. I re-applied with Fay and was denied due to the paperwork not being received in a timely manner. An appeal was requested. I was assigned a new account manager in XXXX XXXX. All paperwork required was submitted in a timely manner. I have now received a foreclosure notice scheduled for XX/XX/XXXX because Fay has not approved the loan modification, even though the loan was modified when they received it and payments were being made.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was advised months ago the debt no longer exists. I have an actual bill dated XXXX XXXX, 2016 showing I have a XXXX balance acct with XXXX XXXX. These collection folks have ignored my communications for many months and now are hurting my credit for a debt I do not owe. They must be stopped and sanctioned, please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Trouble during payment process

Complaint: I have received a letter from XXXX XXXX XXXX XXXX. This company keeps insisting, that I owe them money for unpaid taxes. They said that they paid our taxes and, they want the payment that they made on my behave. I have sent them proof of paid taxes. They insist that they have not received proof. I also sent CFPB proof of XX/XX/XXXXtaxes, which I saw copy before I wrote this complaint. From the beginning of this loan I have been harassed. The first time I received notice, they said I had not given them XX/XX/XXXXdelinquent taxes. I sent them the settlement statement, that at the close of my loan, it shows clearly where they deducted moneys for taxes XX/XX/XXXXdelinquent and XXXX before I ever received my loan. Which I also sent to CFPB. 
They have increased my monthly mortgage from XXXX plus to XXXX. They are saying that I breached our agreement, and I 'm now in default. I pay them monthly electronically, so I won.t default. The letter says I have n't paid XXXX or XX/XX/XXXX, my payments are not being applied to the account, because of these same taxes from the being of this loan. They say have not been paid. 
I 'm not responsible for those taxes, per the settlement statement. The title company XXXX XXXX took those payments, and made them to the tax department. I am sure, that the same thing is going to happen with the XX/XX/XXXXtaxes, being as this has happened, every year since this loan was established.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (CA).
Issue: Credit decision / Underwriting

Complaint: On or about XXXX, I was made aware, from my credit report, that Realtime Resolutions was reporting that I had a current and delinquent mortgage. I called XXXX Resolutions on or about XXXX and spoke with XXXX XXXX ( a representative ) and expressed to him that this lien / collection was directly tied to XXXX XXXX XXXX XXXX XXXX, CA XXXX. Furthermore, I explained to XXXX XXXX that this property was foreclosed upon on XXXX. I informed XXXX XXXX that they were erroneously reporting this as an active and delinquent upon my credit report. I requested that it be removed immediately. XXXX XXXX asked me to show proof of the foreclosure date along with the reporting on the credit report. XXXX XXXX requested that I email this information to him which was done on XXXX. He responded positively and said he would personally take care of the matter and have it rectified within 48 hours. 

On XXXX, I had heard nothing from the company. I called and spoke to a representative. I was informed by the representative, that with their research, they were reporting accurately. 

The mortgage forgiveness debt relief was explained to Realtime Resolutions. This law which was passed, forgave of any and all debt that was secured by XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

I am now requesting help from the CFPB because the matter has not been handled in accordance with the law. I have attached proof of foreclosure and the credit report with the erroneous reporting from Realtime Resolutions. 

I called back

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (Medical debt) with Selip & Stylianou, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX XXXX sold off account to Selip & Stylianous LLP. Without notifying me that the account was sold off, Selip and Stylianous sent me via the XXXX County Court System a notification that they are suing me on behalf of XXXX XXXX. When I contacted XXXX XXXX, they said that the account was not theirs anymore and had nothing to do with the lawsuit. I inquired to Selip and Stylianous LLP about why they never contacted me before suing me and they would not respond.

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 01-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: These accounts need to be deleted because they are not mine and they have not been validated. I have disputed these accounts with Transunion numerous times. The response I get back is that the information has been 'verified '. I contacted each one of these collection agencies and I never received a response from the collection agency to 'Validate ' the account. With that being said I am sure that Transunion did not get a verification from the collection agencies pertaining to the collection agencies on my credit report that do not belong to me. XXXX is not a way to verify an account. I requested there '' method of verification '' meaning who did the physically talk to at the collection agency. I want to know what paperwork Transunion have showing that this account was validated and verified. The person they spoke with, what department, what day and time, and the paperwork they have showing ownership of the collection account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: i have over {$400.00} dlrs in overdraft fees. Prior to this problem i had checked my account and had a small balance of {$17.00} dlrs ( about ) and that was on a Friday, about tues of the following week i checked my account and was already over {$300.00} dlrs overdrawn. I called the bank explain to them that my account was ok on Friday and a few days later was overdrawn more then {$400.00} dlrs and i had not used my debit card since the {$17.00} balance, i was told that my balance was not accurate because they do not post every transaction therefore it causes the overdrafts and that i had no choice but to pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Lender never issued XXXX Mortgage interest statement for mortgage interest pain in year 2013. As all interest was paid in full from the sale of my home, I should have received a XXXX statement for tax year 2013 which accurately reflect total mortgage interest paid to Seterus Inc .

Company response to consumer: Closed with explanation