milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX sold or transferred a XXXX XXXX account ( XXXX ) to XXXX XXXX. This XXXX account number XXXX has since been resolved. A full and final resolution resulted in the removal of the XXXX line item from all XXXX of my credit reports. Experian has not removed the XXXX XXXX corresponding line item from my Experian Credit file, but they have removed the XXXX line item. All other credit bureaus have removed both the XXXX XXXX and the corresponding XXXX XXXX line item from my files.

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 04/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Select Portfolio Services ( SPS ) is my mortgagr lender. In XXXX XXXX I applied for a loan modification, and they granted me a trial modification, from XX/XX/XXXX-XX/XX/XXXX. Despite making the required payments, they dropped me, and on XXXX XXXX declared me in default. Since then they have harassed me with field service inspectors coming to my home ( 3 times last week ). 

In a phone call today they stated that they have no contractual obligation to grant me a permanent modification even if I make the payments. They said in a letetr I was in default unless I paid 3 months of payments of about {$3700.00}. Their phone staff have stated that if I pay one installment of XXXX it would delay my default, but they will not confirm that in writing, and it turns out it is a false statement. 

They delayed posting a payment by 3-4 business days in order to cancel the trial modification. I believe their motive is that they want to get out of the deal and obtain possession of my home because it has strong positive equity. 

They posted my last payment XXXX/XXXX/XXXX, and did not apply it to the trial modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: This inaccurate entry on my report is illegally reporting and does not belong to me. Equifax is not providing any identifiable information on who this company is nor are they providing any contact information so that I may attempt to communicate with the company to dispute the inaccuracies of these 4 entries. REMOVE THESE ENTRIES IMMEDIATELY AS EQUIFAX IS VIOLATING MY CONSUMER RIGHTS. I have no recollection of ever owing these alleged debts. If Equifax were following the mandates of the FCRA and ACA, then the company would be identifiable and the company would be able to provide proof of all HIPPA information whereby I gave the alleged medical company permission to allegedly share my information with the collection company as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. Further, where are the copies of the letter this company should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, they are unknown, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt as well as provide a dunning letter to me informing me that they were attempting to collect a debt on behalf of whoever the original company/creditors. To date, I have received nothing.

DELETE THESE ERRONEOUS, INACCURATE, UNVERIFIABLE ENTRIES IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Debt collection (I do not know) with ERC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello, I got a copy of my credit report showing a collections with this company, XXXX XXXX XXXX in the amount of {$210.00}. I sent out a validation letter to this company on XXXX requesting validation as it falls under the FCRA. ( validation is a lease or contract signed by me ) I have yet to receive any of this. 

I'm now requesting you step in and demand this and if they can not provide it. Please delete from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I closed the XXXX XXXX credit card account.

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 04/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX XXXX ( now Navient ) misallocated payments between the loans in a Billing Group. I request that the payments be properly reapplied. 

At the time of the error, Private Loan XXXX had a principal balance of {$31000.00} with an interest rate of 3 % and Private Loan XXXX had a principal balance of {$27000.00} at 2 % interest. 

Despite repeated requests to move these private loans out of the same Billing Group, at the time that this allocation error occurred, XXXX XXXX had denied my requests. They repeatedly denied these requests to separate the loans from a Billing Group until XXXX XXXX. 

In the attached documentation, you 'll see that a {$10.00} payment made on XXXX/XXXX/XXXX and a {$12.00} payment made on XXXX/XXXX/XXXX were XXXX allocated towards XXXX loan only : the Private Loan XXXX, which has the lower interest rate and the lower principal balance within the Billing Group at the time. 

Payments made on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX seem to be properly allocated between XXXX loans within the same Billing Group.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Sent in supporting documents of arrests and police reports from XXXX Arkansas police department of XXXX suspects that were charged with XXXX counts each of felony identity theft and arrested awaiting trial and sentencing some time ago. I went to the Transunion website and saw the " investigation '' was completed but the reported felonious information was still there. There was no available options for me to view results only a screen that showed the investigation was completed. I called Transunion Friday XX/XX/XXXX and the representative that answered, after verifying my personal credit information, said that he could not give me any information on the completed dispute but I could log on to their website to view results. I 'm currently logged on today and getting an error message that says " online delivery of your dispute resolution is unavailable at this time. ". The representative said there was no confirmation number that could be given for the dispute but gave me what he called a file number. The number given by the representative was n't the same file number I got from their website when I was able to log in previously at Transunion.com website as my file number ( unless this number changes every year or post-dispute, etc ) and this number did nothing to aid me in any way. There are countless, misrepresented facts on my report with this agency. Erroneous names including a XXXX name that is n't at all mine or spelled like it, there are XXXX social security numbers and I only have XXXX and sent my signed social security card to show this, and accounts that span back beyond to XX/XX/XXXX for places and charges that are not my own. I was told I would receive a dispute resolution letter in the mail in 5 to 10 days. This was 3 weeks ago and received no letter to date. Furthermore, the fraud accounts and variations of my name and fraud addresses I sent for investigation more than once to be investigated are still appearing on credit report last I could see on the transunion.XXXX site as of Friday XX/XX/XXXX. It appears that this company does n't review any the information at all in investigations and frivilous in record keeping or even establishing the validity of information contain therein in investigations on a tool a creditor would use that is suppose to be a snapshot of who I would be as a consumer. It 's appalling and like being victimized twice!

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 09/14/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: Due to an error in paperwork with my city of residence, Bank of America was served a legal notice to have nearly {$120.00} dollars debited from my account, which it followed through on. Bank of America then charged an additional {$120.00} non-refundable fee. Even though this transaction was the result of an error, it is not the city 's responsibility to refund the {$120.00} fee that Bank of America received -- an exorbitant amount that the city will not agree to, as it is more than the amount they originally sought. Bank of America representatives reminded me that the {$120.00} is non-refundable because of the amount of work it takes to process anything legal, but the fee is excessively high and I am left paying for the city 's error and Bank of America 's avariciousness.

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 05/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I need to know why my trans Union score keeps going down I have been faithfully paying on time I may have missed XXXX purchased furniture but my credit was up and i need an explanation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: There has been a breach of confidentiality with the XXXX " Ocwen Loan Servicing ". 
This company that collects money, has people in XXXX who know nothing about fianancing banking, or customer service. 
Documents were received at my home yesterday that ARE CONFIDENTIAL and were in an unsealed envelope. The documents inside the envelope WERE VIEWED. I am trying very hard to get rid of this company and refiancebut that is impossible because the data and the many mortgage servicers that handled this loan IS IN COMPLETE DISSARAY. 

Also Ocwen needs to stop sendin me certified mail to my home. I am not home to receive this information, work long hours during the week and do not have time to visit the post office to pick up their XXXX. 

Bottom line this organization needs to be shut down, sued with a major law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Medical debt) with R.M. Galicia, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: fter reviewing my credit report, I seen a medical account listed. I disputed it with the credit bureaus and the company it 's self. The credit bureaus advised they have been verified. So I requested a debt validation in the form of an original bill and detailed statement of procedures, for the medical account with Progressive Management Systems. I never received a response back. So after 34 days I called and was told they have the validation to collect on this medical debt, they received the details of my medical bill from there client. I informed them, they directly violated the regulations of the HIPAA Act of 1996, because I never signed a HIPAA form to authorize them to have access to the information. I requested to speak with a supervisor and was told I would get a call back in a few hours and never did.

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 10/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with Kashia Services (OR).
Issue: Struggling to pay your loan

Complaint: Around XXXX/XXXX/XXXX I called and told them to stop payments becausd I XXXX my job and can not pay. They told me it would go to collections and in XXXX weeks if I could make a XXXX $ payment I can try that. Instead on XXXX they took XXXX $ out. Not in XXXX. I keep getting notices that it wll go to collections if I dont call and so I 'm like okay I asked for it to go to collections so let it. Then on XXXX/XXXX/XXXX THEY tried to take XXXX $ they have forged a check once before that I never authorized. We have tried paying off account before and they didnt take out the full payment and have continued charging interest.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Mortgage (Conventional fixed mortgage) with BOGMAN, INC (MA).
Issue: Settlement process and costs

Complaint: We paid off our mortgage XXXX 2015 and have yet to have the mortgage discharged. 
The company Bogman Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX or Toll Free : XXXX Fax Lines : XXXX ; XXXX Bogman has failed to find the paperwork. Bogman has accepted and cashed our check and still failed to discharge our mortgage, they claim they can not get in to the software because of a lost password. In contacting the Commonwealth of XXXX, Division of Banks, Bogman Inc has failed to be licenced in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax divulged an immense amount of personal info due to a cyber attack. I am one of the people affected. Their resolution was to provide a year of credit monitoring. I do n't believe that 's fair.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 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: XXXX and Experian removed bankruptcy from credit report and then placed it back on credit report. I have requested numerous times to have it permanently removed. By law, the 5 day rule would apply to advise PRIOR to reinstating information previously removed from credit report. Additionally, the listing exceeds 7 years, which is the maximum amount of time allowed to report on credit 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 11/29/2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Trouble during payment process

Complaint: I have a home mortgage with Fifth Third Bank. I have made payments on the mortgage for two+ years, and property values have gone up significantly in my area. As of XXXX/XXXX/2017, based on the original appraisal, my loan to value was 87.7 %. I am fairly certain that if I were to have the home re-appraised, my loan to value would drop to 75 % or less, which is the requirement for my mortgage in order to drop the PMI ( Private Mortgage Insurance ). The PMI costs me {$85.00} a month. I have requested a re-appraisal from Fifth Third Bank four times now without success. The reason they provide is that I have not made two years of PMI payments, but I have made more than two years of PMI payments. The Fifth Third Bank customer service representatives that I speak with when I call agree that I have made the two years of PMI payments, but still tell me that is the reason why my request is being denied. They will not put me in contact with the person/agency that is denying my request. I feel like I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Today XXXX I called Navient to inquiry about my loan, spoke to several reps who clearly do n't know what they are doing. Was transferred multiple times and simply could not get answers. Each time before being transfered was informed wrong department. This is unacceptable by all means. Called to ask about how payments are being allocated as my balance shows {$180.00} yet I have an extended loan term along with automatic payments of {$210.00} a month. I agreed to extend the terms which is ok with me but for my account to show all kinds of different amounts yet my total balance never changes is very deceitful. I would like someone in writing and requested it for Navient outlining what I am paying for the life of all four loans. I have yet to receive it. I originally requested this information in XX/XX/XXXX with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (I do not know) with ConServe (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Some years ago, I had my purse stolen. I reported it to the police department when I resided  in Florida  but  whomever  the person was still open things in my name and I did n't find out until later. At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: well fargo bank is closing down town  XXXX  branch. they sent letter that I had to close my safe deposit box, which I did. they failed to issue me pro-rated refund at time of closing and play ed dumb when I asked manager to m ail me a refund check that is due to me.  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , fl  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 monetary relief
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was trying to get a loan forgiveness for my student loan which the school closed and the rep said I couldnt. He did n't even ask what I was talking about he just said he ca n't help. I went to XXXX and I was asking about that loan. And the guy kept saying there 's nothing he can do. This is really hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had a HELOC originally with IndyMac Bank. When that bank failed it was transferred to Ocwen Loan Servicing. I satisfied the loan in XXXX, XXXX and received a letter acknowledging the payoff and promising to record a satisfaction. In XXXX, XXXX I sold the property and the title company found the satisfaction had not been recorded. There ensued a countless chain of phone calls and emails trying to get this resolved. Ocwen said there was a " chain of title issue '' that needed to be resolved. Closing was scheduled for XXXX/XXXX/XXXX and only because of diligence by the title co. were they able to get a letter that allowed closing. 
Today, XXXX I received a letter from Ocwen saying that they are drafting the satisfaction and will send it for recording. In other words the loan has not yet been satisfied of record. 
This is completely un-professional and, in my opinion, quite unethical. 
While they were more than happy to send me bills and accept payments. it seems they never officially owned the loan until just recently. I know the loan was my obligation and I paid it. The contract however is a XXXX XXXX street and they did not hold up their end. They are impossible to communicate with and have no concern that I was selling the property. 
THAT 'S JUST WRONG. Any help in ensuring this does not happen to someone else who did not have such an understanding and dedicated title company will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being contacted about a magazine subscription which I did not order.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I originally took out loans through XXXX Bank for my education expenses that my federal loans did n't cover. These loans were later sold to Discover. Discover has since continued to increase my interest rate so that my monthly payments continue to increase making it harder to pay down the balance. A few months ago my payment was around {$680.00}. On a good month, when I had a little extra money, I 'd pay {$700.00}. Then they upped my interest rate and now I have to pay {$700.00}. This is not the only student loan I pay. I pay so much towards my private that my federal payments are {$0.00}. Despite my good salary, I am just barely making ends meet. If they up my interest again, I wo n't be able to pay.

Company response to consumer: Closed with explanation