milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had a Credit card from a company that I defaulted on. Portfolio recovery associates assumed the loan and contacted me. I agreed on an amount I owed and paid the debt. I received a notice of payment and though everything was fine. After looking at my credit monitoring service, I could see that Portfolio recovery associates ( PRA ) reported correctly that the account was delinquent for XX/XX/XXXX, then paid as agreed. However there was another month that showed up, XX/XX/XXXX. I did not agree with this and did a dispute. 35 days later the dispute comes back as updated and PRA now list my account in the same closed status but with the delinquency months being in XX/XX/XXXX and XX/XX/XXXX, 7 months after the account was closed. I contacted PRA and they said everything is fine from what they show and to contact the credit bureaus. I did, and issues a dispute per suggestion of the credit rep and waited another 30 days for the dispute to come back with the same delinquency dates being reported. I contacted PRA again to ask why they would be reporting the same delinquency dates when my account was resolved in XX/XX/XXXX and have documentation from them on that. I questioned why they would not modify the dates on the new dispute if clearly My account had been closed since the beginning of the year. They said they are n't sure and to email the credit information to their disputes department I have that show the incorrect months being reported, which I did and have not gotten any response. I have been working on this issue since they day they reported the incorrect dates in XX/XX/XXXX. It is now XX/XX/XXXX and they still have n't fixed it. I am worried this has affected my credit profile to those creditors who pull my actual credit history and examine - such as an apartment complex as it makes it appear that my delinquency were much more recent than they are.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Each Credit Reporting Agency continues to show credit inquiries when we have not authorized the companies to pull our credit.  I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I received a notice to appear in court and I filled out a paperwork showing that I could not afford to repay. They then told me because I owed more than my income that they were not going to force me to repay but I said that I would agree to pay something XXXX monthly as long as they did n't report to credit reporting agencies. They told me that they do not report to any reporting agencies so I voluntarily agreed to pay such amount. One year later I notice that the collection agency as reporting payments as a collection so I called them on phone and they denied reporting and that they did not know who was. So I do n't know how to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Received an advertisement in the mail from Fifth Third Bank stating a cash bonus will be given in the amount of {$200.00} for opening a checking account with qualifying activities. The qualifying activities listed on the ad state : must be opened by XX/XX/XXXX, {$50.00} minimum deposit and can not be Basic Checking, Express Banking or Private Bank products. Ad also stated the cash bonus will be deposited into checking account within 10 business days of account opening and you could open the account by visiting a branch or calling XXXX. I called on XX/XX/XXXX and spoke with a rep who confirmed the details on the ad and further stated that if I have a direct deposit of at least {$500.00}, I will receivable an additional promotion of {$53.00} and will avoid the monthly fee of {$8.00} ( monthly fee waived due to employer being one of their partners ). The {$50.00} minimum deposit would be satisfied with the direct deposit of {$500.00}. I agreed and opened the account on XX/XX/XXXX and to date have had 2 direct deposits posted to the account. I have contacted Fifth Third 4 times and was advised on the 1st call that it would be posted XXXX on the 2nd call that it would post XXXX on the 3rd call he would speak with supervisor and call me back ( never received a response ), called today ( 4th call ) and was told that the bank has until XX/XX/XXXX to deposit the funds despite what the ad said and despite me keeping my end of the bargain. This is poor customer service and the information provided on the ad and by the sales rep is misleading and misinformation. I went to a branch today and closed my account. The rep asked me why, I told her the situation and she told me she understood. Did not even offer to rectify the issue once and for all. No longer want to deal with this company, who knows what else they mislead customers about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Ever since Navient took over my loan and the Obama administration offered new loan repayment options, I have been to trying to qualify for the various early loan repayment programs. Navient consistently gave me numbers and amounts that far exceeded what I could pay in relationship to my take-home pay. So I continued to pay the 30-year repayment terms. I am a teacher and tried to qualify for the public servant repayment option, but the numbers just never worked out when I contacted Navient. With all the recent news about Navient possibly mishandling borrower 's accounts, I am now wondering if I ever got a proper repayment quote.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DE).
Issue: Account opening, closing, or management

Complaint: Y bank TD bank charged me enormous overdraft fees I did not sign up for this service

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (I do not know) with Simon’s Agency, Inc (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Based on the below facts, Simon 's Agency 's claim is fraudulent. This account needs to be completely removed from any credit bureaus. <P/>Simon 's Agency has failed to provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims been made by any creditor regarding this account. 4. Verification that this debt was assigned or sold to collector. 5. Complete accounting of alleged debt. 6. Commission for debt collector if collection efforts are successful. 7. FAILED TO PROVIDE LEGAL RIGHT OF SUBROGATION OF DEBT Simons Agency has not provided the legal right of subrogation of debt. A subrogation will not be allowed to the third party as it is only entitled to the insurance company. <P/>The insurance company would have the right of subrogation. A debt collector here Simons Agency can not have the right of subrogation because they are " a mere volunteer '' to the situation. SIMON 'S AGENCY had no loss. This is a case of insurance fraud by the original creditor because they got paid by the insurance company and sold a paid debt to a 3rd party. <P/>If XXXX XXXX XXXX ( XXXX )., charged it off, it means they wrote it off on their tax returns and received a tax credit so they got paid twice and then sold the debt. This is a case of INSURANCE FRAUD and TAX FRAUD. N.J.S.A. 12A:3-305 Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( Federal Debt Collectors Protection Act ) which says " nothing in this title ( FDCPA ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). N.J.S.A. XXXX XXXX, XXXX XXXX without information or knowledge sufficient to form an opinion as to the truth or accuracy of SIMONS AGENCYS claim , and based on that denies generally and specifically SIMONS AGENCYS claim. <P/>ANY FURTHER MAILS OR THREATS OF THIS ALLEGED INVALID DEBT WILL BE SENT TO MY ATTORNEY FOR SUIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my report.

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 11/17/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Since XXXX XXXX, 2017 I started submitting all requirements for Loan Modification to XXXX XXXX XXXX, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. The modification department of XXXX XXXX XXXX is working on a modification for us. I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional and continuously documents for the modification to be approved and they always said that it is still in the underwriter for review but it is already eight ( 8 ) months until to this date, I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated Ocwen regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available at law by recouping and their mortgage servicing doesnt want to accept my request for Loan Modification. I had complied with Ocwen requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. Ocwen have not dealt to me in good faith until this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: This complaint is in reference to an already existing complaint ... #   XXXX  .  NationsStar  Mortgage has been penalized for failing to properly report certain data. In contrast this mortgage company has been noted for several years with the same issue and has spilled into consumers that hold a mortgage with them. We have exhausted all efforts to  get caught up on mortgage payments including sending Nations Star documents supporting reasons for delayed payments. We have completed 5 years of bankruptcy and are now attempting to build our financial lives. Nations Star could not respond to our complaints in a timely manner including the contact person, who seems to try and quickly make calls hang up and go to the next one. The modification Nations Star offered was nothing but an attempt to start to pay on time by raising our mortgage payment. This IS NOT a solution for us, but it works out for the Nations Star ( please see docu ment attached ). According to NS our payments increased, but our trial payments are {$1200.00}, when inquired that this payment is higher than the payment we were originally making of $  XXXX . Before  XXXX , payments were {$1000.00} and now we are asked to pay more after requesting help. Our homeowners association dues were not addressed and I have had to speak with several different representatives who could not find the right person to address this issue. The nightmare of attempting to communicate with  Nations Star continues.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Trouble during payment process

Complaint: I am a 3rd party Mortgage Broker attempting to obtain a payoff for our client who has an account with Ocwen Loan Servicing LLC. We frequently struggle to obtain payoff information from Ocwen within a reasonable amount of time, however, this is our first complaint. As per Regulation Z, a servicer is required to provide an accurate payoff within 7 days of the request. So far, Ocwen has taken 22 days for this request and has projected at least another month before a payoff can be provided.
- Our first attempt to order a payoff was on XXXX XXXX, 2017, we provided our client 's signature authorization, account number, and projected payoff date. We received a written response on XX/XX/XXXX stating a new request is required and the new request must contain the appraisal due to the type of account ( Original Loan was modified to an Equity Share Arrangement ) OR, they may simply use their own Broker Price Opinion.
- A new request was submitted on XXXX XXXX, 2017, including the appraisal, customer 's authorization, account information and projected payoff date.
- On XXXX XXXX, 2017, a call was placed to Ocwen to ensure the request was received. After verifying the customer 's information, we were informed that Ocwen is not authorized to talk to us about the account until the borrower 's signature authorization was validated which will take 2 days.
- On XXXX XXXX, 2017, another call was placed to Ocwen, all information was again verified, and Ocwen still would not answer any questions regarding the account, or regarding whether they received our request for a payoff quote. Ocwen advised us that the customer had to call them to validate the signed borrower 's authorization before they could speak to us.
- On XXXX XXXX, 2017, the customer called Ocwen and gave verbal authorization to speak to our company.
- On XXXX XXXX, 2017, a call was placed to Ocwen, XXXX, ID # XXXX stated the customer did not authorize us to speak to them on his behalf. So, a conference call was made with the customer, who again authorized Ocwen to speak with us. While on the call, the customer verified his information and XXXX advised he did actually see that the customer made the authorization on XX/XX/XXXX, but it was not for our entire company, only his Loan Officer. Once the customer disconnected from the conference call, XXXX advised us that in order to obtain a payoff, we must speak to the relationship manager, XXXX XXXX, who 's schedule is so full, he can not talk to us for at least another month.
- The client is current on his mortgage payments with Ocwen, and the refinance loan that our client applied for will save him nearly {$900.00} per month on his mortgage payments, however it is required that his Ocwen account is paid in full.

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: OnXX/XX/XXXX I went to the TransUnion website to freeze my credit. I followed a series of links that based on their names and descriptions led me to believe I was paying a 1 time fee to freeze my credit. OnXX/XX/XXXX, I received an e-mail from TransUnion thanking me for signing up for a {$19.00} / month credit monitoring service that will be automatically charged to my credit card.
This seems to be hugely sleazy and deceptive. The links I followed were clearly designed to appear to be accomplishing a one time freeze of my credit information, it did not clearly state anywhere that you were signing up for a monthly billable service. Shamefull in light of the current demand by people to freeze their info in light of the XXXX  hacking.
I did go on line, and after much searching, found where I could cancel the monthly service .... but I still am stuck paying for the first month.
Somebody needs to hold these crooks accountable!

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 06/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was working for an elderly couple doing on XXXX XXXX for 18 months .About six months into my employment they were making payments on my credit card in lieu of cash payments on occasions. They agreed to pay for a school I was attending. They asked that I pay for school on my credit card and they would make the payments on my card. This transpired for 14 months. At that point some family members stepped in convinced grandfather to fire me from job. Then family told his bank that all payments made on my credit cards were unauthorized and the ank took back zapproximately {$12000.00} worth of payments on my cards. Do I have any recoarse?

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: We are have been trying do a loan modification through a loss mitigation application with Green Tree Servicing now Dietech Financial, LLC. since at least XXXX 2015!!! We had a court date with a attorney representing Dietech and a XXXX XXXX courthouse employee on XXXX/XXXX/2015. That meeting ended with an extension until XXXX/XXXX/2015, because we had received via U.S. Mail a request for XXXX more documents of information Dietech needed for the XXXX. time!!! Dietech gave us 30 days to get that information to them and we faxed them all the information before the deadline!!! Instead of Dietech sending me another letter to save time, our last representative during that time frame called me on the phone and told me to refax some of the documents that did not come through to them clearly and that was done that day or the next day at the latest!!! This was confirmed by my Dietech representative via an XXXX minute phone conversation that I generated on XXXX/XXXX/15, because on XXXX/XXXX/15, I received a letter from Dietech, stating that the loss mitigation application that they were reviewing will not be reviewed at this time, because they did not receive all the requested information which they did!!! Dietech continues to stall the loan modification process by telling us that the information that we sent them already had either expired or they did not receive it all which they have, because the faxes went through to the right number!!! This is at least the third time that they have done this since XXXX 2015!!!

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 05/13/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have made several attempts over the years to dispute an entry on my credit report. Undereducated about the process, I gave up in trying to remove. I recently have refinanced my house and was questioned by my lender about this company on my credit report again. 
Unable to explain and unable to resolve, this entry contributed to my not qualifying for a lower interest rate costing me more money. I once again sent certified letters and made attempts to seek information from this company who has refused to provide any information to me. They are only demanding I send proof to support it being inaccurate. I obviously have no proof if the debt was never mine. 
The company has further stated, they ca n't understand the nature of my dispute. Hopefully this organization can clarify " the debt is not mine ''. 
According to my credit report this company is using deceptive practices by reporting this debt to the credit reporting agency that this is a factoring account. I do n't have any loans that was sold to this company. 
They further are deceptively listing this as an open account and has entries that state I have been late on many occasions. I have never made a payment to this company. This act appears to be refreshing the credit reporting entry only to create harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2018 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent XXXX XXXX XXXX XXXX a letter regarding account number XXXX asking to verify and validate debt. I was notified that this account was verified with no proof of original contracts with my signature. no fair and thorough investigation was conducted. 
this account has also been on my account for 7 years from my understanding its suppose to drop off my credit report.

Company response to consumer: Closed with explanation