milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I pulled my credit report and found a judgment on the report from XXXX XXXX XXXX XXXX for {$2400.00}. I decided to reach out to XXXX XXXX to understand what this debt was since I had never received any notification about it and discovered that XXXX XXXX has gone out of business. I then disputed the judgment with the credit bureaus since I did not know what the debt was and am not able to discuss with the now defunct XXXX XXXX. XXXX and XXXX promptly changed the status to satisfied on my credit report, but despite trying to have it removed twice from Experian they informed me that the debt was valid and would remain there. Until I can satisfy this issue, I will not be able to purchase a home. It is impossible for me to satisfy or even confirm the debt is mine if the company has gone out of business. Please help!!

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 05-12-2016 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Deposits and withdrawals

Complaint: I am very upset. I have been charged overdraft charges everyday for 3 days as the overdraft charges are causing more overdraft charges. Yesterday they even reordered on check to get an extra overdraft charge. This is all because XXXX large check was deposited earlier than the person said he would deposit it. I talked to someone yesterday that said no supervisor was available to speak to and one would call back which has not happened. 
I tried to chat online and they did nothing. I spoke to a supervisor on chat who did nothing

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Southwest Credit Systems is trying to collect a debt for XXXX XXXX which is not mine. The person whom they are looking for has a similar name but different social security number.I have received harassing and threatening calls and they reported the false information to XXXX This derogatory information is preventing me from closing on my new home. It 's frustrating and unfair. As a consumer I feel powerless, how can I protect my credit from such situations. I have contacted Southwest Credit Systems several times and although they have admitted the social security numbers are different they refuse to remove the false information. The XXXX has contacted the company 5 times and each time Southwest Credit Systems ignored their letters and email. XXXX is also currently waiting to hear back from Southwest Credit Systems but they have yet to respond to them. I do not know what else to do. All I am asking for is a letter to clarify that I am not who they are looking for so that I can close on my home and go on with my life.Please help me!!!

Company response to consumer: Closed
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: This complaint is in regard to Bank of America and a account promotion I received for opening a checking account. The complaint is for deceptive marketing practices and failure to honor terms of agreement. 

I opened a checking account at the branch in XXXX MD on XX/XX/XXXX and mentioned to the representative that I was there specifically for the promotion. I brought a copy of the promotion received. 

The stated promotion I received was for {$300.00} for direct deposit totaling over {$4000.00}. I completed the terms in early XX/XX/XXXX. I called the bank representative XXXX XXXX in late XXXX and she assured me on XX/XX/XXXX that I would receive the promotion and gave me a personal call stating that. 

As of XX/XX/XXXX, I still have not received the promotion and she is now backpedaling what she told me and for me to contact XXXX XXXX to have the promotion paid, which doesn't make any sense to me. This is completely deceptive and I want the promotion to be paid as I have fulfilled the terms of the agreement.

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 05-03-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Spouse fails to meet deadlines for refi Spouse fails to meet deadlines for assumption Spouse fails to pay home, stopping payment during assumption putting loan into modification I completed modification Requires spouse to sign to " official complete " modification for deliqunency to be removed so I can assume loan Spouse refuses to sign loan modification I have live in home entire time over 7 years  Spouse  moved out  XXXX / XXXX /  XXXX   I paid all bills Spouse causing harm I provide safety, security provide shelter to  alll   XXXX  children and  XXXX  child has   XXXX     XXXX   XXXX , renovated home and purchase and a air condition system specifics for   XXXX   XXXX   XXXX  control humidity to prevent  XXXX  illness from worsening The fair right act Causing harm to family

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 10/13/2015 about Debt collection (I do not know) with Central Portfolio Control Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: got a phone call by a " debt collector '' claiming i owed {$370.00} from an unpaid loan that I never made. i requested proof of the debt and was sent the attached handwritten form.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On X/XX/17 I called Navient customer support to request cancellation of my automatic payments for the coming payments for my XXXX private student loans due in XXXX. It was acknowledged and understood by both parties that my request would be processed and take effect before the next loan payment due date of X/XX/17. On XXXX I discovered that my request had not been processed when I logged into my bank profile to see payments in the amount of {$180.00} & {$140.00} had been drafted from my account. I called Navient that day, X/XX/17, and I was advised that my request for cancellation had been received but not processed, I was not given a reason for their failure to do so. I was advised that I could receive a refund for the funds, but only if I submitted a letter of request for refunds, including a copy of my bank records. I was also told that when a refund was issued, my account would instantly fall into past-due status and a late fee would be assessed at that time. The only way to avoid that fee was to enroll in forbearance and pay a {$100.00} fee that day to apply for forbearance. I agreed to do so, in order to avoid an unfair late fee. On XXXX I faxed that letter and a copy of the bank records to the fax number provided by the Navient representative to XXXX. On XXXX I called customer support to check the status of the documents and was advised that no documents had been received. On that same day, I submitted the exact same document as the one faxed previously ( letter of request for refund and copy of bank records ) via the online upload tool Navient offers. On XXXX I called customer support to check the status of the documents and was advised that the document uploaded did not contain my banking records and therefore, my request for refund was not processed. After that conversation on X/XX/17, I uploaded another set of documents via the online tool Navient. This time with separate attachments, one showing the letter of request and the other showing bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: ( 1 ) In XXXX 2016 I requested debt validation and verification from Ocwen in compliance with 15 USC 1692g to which they responded with photo copied information that did not comply FDCPA guidelines. After repeated requests for properly verified and validation documentation, Ocwen failed to respond in the within the given time periods. During my communications with Ocwen I informed them that I was invoking my private right of action and considered this matter closed as they failed to comply with my requests. As such, I also directing them to cease and desist all communications with me because I consider this matter closed. 
Ocwens response has been to completely ignore my request, they have shared my personal information with several entities which has resulted in debt collectors inappropriately calling my job, my cell phone, unsolicited emails and threats of foreclosure. 

( 2 ) My desire is that Ocwen cease with their threats and send Notice of Full Release and Satisfaction and documentation reflecting a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Fraud or scam

Complaint: I have got scamed this person called me on the phone to return XXXX dollars for trying to fix my computer. they were going to put in in my checking account. they recalled me to say they could not return that little amount so they informed me they were going to tranfer XXXX to my checking account and i was to return XXXX to them. while they were on my computer they transferred XXXX from MY savings into MY checking. they never did refund their own money into my account and they inform me to send the XXXX with XXXX to XXXX XXXX his boss. after that they recalled me to ask for another XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of Identity Theft. Over the last several months, I have been working with the credit bureaus ( Equifax, XXXX, XXXX ) in order to have the credit bureau reports corrected. I have provided them with Police Reports, IRS Affidavits, and Personal Statements regarding this issue. Both XXXX & XXXX PROMPTLY corrected my information, and have both provided me with updated credit reports. However, Equifax continues to report this false information/accounts on my Equifax Credit Report. My intial dispute with them began on or around XX/XX/XXXX. It is now XX/XX/XXXX. In order to bypass the " 30 day '' investigation timeline, they just keeping closing and re-opening " new investigations ''. I have spoken with them numerous times via telephone, and have had to re-fax the above information ( Polive Reports, IRS Affidavits, Statements ) to them 3 times during the last 2 months as they continue telling me that they have not received it. ( I have 3 fax confirmations confirming that they did receive them ... ). Now, today, I am told by their telephone representative that they will CONTINUE to report the fraudulent account as the " creditor '' has advised them that th account is mine ...??? Obviously, it is n't. BOTH, XXXX and XXXX have provided me with letters advising me that they have DELETED this information from my Credit Report, as they have determined that it was NOT my account. Both XXXX and XXXX have also BOTH provided me with updated Credit Reports as well. Equifax refuses to do so, even after nearly 2 months of when this began. Getting through to Equifax is nearly impossible, as all calls are answered in the XXXX, by individuals who speak broken English, and are hardly understandable. When asked to be transferred to an American agent, your call is placed in a que in which hold times have exceeded 2 hours to get through ... Please help resolve!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account, my business checking account, an auto loan was taken out, and my credit card was compromised. I reached out to XXXX XXXX several times about my business account in which XXXX XXXX charged my business account over {$750.00} in fees due to the account being hit with multiple ACH attempts. The car loan and credit card are still present on my credit reports to date. I was told by XXXX XXXX to file a police report and send it to them to get these accounts removed from my credit reports. They have yet to respond and it has been over 3 weeks.

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 03-07-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage with another bank in XXXX and was owed my escrow account from Nationstar mortgage. Nationstar keeps telling me that they have sent me my refund via mail ( XXXX checks for {$1800.00} and {$220.00} ) but it never arrives. I 've done this 3 times since XXXX with the last refund check supposedly being sent overnight on XXXX/XXXX/2017. After reviewing complaints on the internet, Nationstar Mortgage is currently being investigated by the Better Business Burral. I 've have read multiple similar complaints about this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been making on-time payments that include an additional amount specified to go towards the principal of this loan. While I graduated in the year XXXX and began making payments sometime thereafter, my loans were transferred ( without my signature ) to another loan servicing company, American Education Services, under the Pennsylvania Higher Education Assistance Agency ( PHEAA ) in XXXX. After numerous attempts to manage my account so that I could pay off the loans, the entire amount of the payments are still going to interest as evidenced by the tax form provided by the lender as well as the obvious evidence of a balance that is well over the original loan amount. There has been no communication in response to several attempts from me or my lawyer to provide the documentation requested regarding the original transfer, the interest rate that has been consistent over the life of this " loan '', or the discrepancy between the reported interest rate and fee structure along with the principle balance, which were requested while in good standing. Furthermore, there has been no response or answer to how the " loan '' interest continues to show in " Account Summary '' as " Unpaid Interest ''. In fact, this loan has been paid in EXCESS of the original student loan agreement including interest. Most recently, notification that was sent to the company to stop automatic payment was ignored and another payment was taken from the banking account.
This student loan servicing company meets the definition of predatory lending due because they have made it impossible ( hidden fees, misappropriation of payments, non-communication ) to pay off the " loans ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Auto debt) with Data Line Credit Corp (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The debt attached to the vehicle that is in question does not belong to me since the vehicle was sold on  XXXX   XXXX ,    2015 and a contract was made between me and another party that signed a document transferring the ownership and liability of the vehicle from me to them. A release of liability was also filed to the dmv after the purchase and the vehicle was taken off from my insurance. I provided evidence to the company of the contract and information of the vehicle 's owner to my current knowledge. The company Data Line Credit Corp. failed to provide me with the documentation I requested including detailed infor mation of how they arrived with the debt amount and still requested an arbitrary debt to be paid even though it is against Californias Fair Debt Buying Practices Act. The attachments include copies of documents that were exchanged and detailed dates of when they were sent.

Company response to consumer: Untimely response
Consumer complaint received 02-09-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In review of my major CRA credit reports, I discovered XXXX XXXX XXXX ) collection accounts claimed by Portfolio Recovery Associates for delinquent credit card debt that should have been expunged from CRA reports no later than last year due to the " 7-1/2 year '' rule. In each instance, the collection agency " re-aged '' the debt to establish a new Date of Delinquency, obviously coinciding with the actual assumption date.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: From XXXX/XXXX/16 thru XXXX/XXXX/16 I have received 38 phone calls from a company that identifies itself as Student Assistance Corporation. 

On or about the evening of XXXX/XXXX/16 I answered a unidentified call that instructed me to contact their office on the next business day. I researched the number left on my phone and identified that caller as Student Assistance Corp. I called their office and inquired as to the reason for the call. I was told that there was no reason that my account was current and the call was ended. 


On XXXX/XXXX/16 I received 4 calls, when I spoke with one of their managers I was told that they did not know why they were calling me, but since they had me on the phone could they confirm some information ( my contact information ) I complied and ask that in the future they correspond with me thru the postal system. I then contacted Navient to inquire as to the reason for that calls, they claimed that they did not know of a reason for the calls as my student loan account is current.I repeated my request that they use the postal system for future correspondence with me. 

XXXX/XXXX/16 I received 5 calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I was contacted by a representative of Portfolio Recovery Associates. I explained to them I was NOT interested in being involved with a payment program and would only be interested in doing a one time payment and that it would be marked " paid in full ''. We agreed on the amount of {$280.00} and the account was suppose to me marked paid in full. They took the payment on XX/XX/XXXX but it was marked as only a payment on my credit report just as I was lead to believe would not happen. When I called and tried to talk to them on XX/XX/XXXX about the situatuion they told me that they only mark it as paid in full with them but not on my credit report unless I pay them the full amount. That part was not disclosed to me when I agreed to pay them the {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I received a copy of my credit report when i tried to applied for a mortgage with XXXX XXXX XXXX XXXX. Upon going through my credit report, i noticed 4 accounts being reported as collection accounts with the following collection companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
These accounts do not belong to me. I sent out a validation of debt letter to all 4 collection companies and i did not get any reply back from them. It has been over 3 months and no reply from them. I disputed the accounts with all 3 credit bureaus ( XXXX, Transunion and XXXX ). All the 4 collection accounts where deleted by XXXX but Trans Union and XXXX continue to report these accounts even though they have no proof that these accounts belong to me. I sent an initial dispute letter on theXX/XX/XXXX and i did not get any reply from them ( Trans Union and XXXX ) and i sent a second follow up letter on the XX/XX/XXXX and still did not get a reply from them. Yet they are still reporting this in-accurate information. The collections companies keep calling my phone and pressuring me to accept a debt that i do not owe. Even if i owed XXXX XXXX XXXX, it is passed the statute of Limitations for debt collection for the state of Florida.They have not been able to validate the debt and it is still being reported by the credit bureau.

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