milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2017 about Debt collection (Other debt) with Financial Management Solutions (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had to move due to a XXXX XXXX situation. Upon moving, I IMMEDIATELY called the rental office to report that I had moved from the residence. I was told by the office manager that because I was breaking the lease ( due to having to flee ) I would be responsible to an additional months rent as an " early termination fee ''. Never received a bill after our conversation, and then it reports to my credit for XXXX! I do agree because I was breaking the lease I am responsible for an additional month. I looked up the laws in the state of Maryland it states " * They can break their lease no matter how long it is without penalty if they have a protective order and give the landlord 30 days notice. Tenants will only be responsible for a months rent and repairs to damages, which can be deducted from security deposits. "

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Credit use was accessed thru someone that i lived with. This XXXX Bank credit card use was fraudulent ( not authorized by myself ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: This is a complaint about Ocwen Loan Servicing. I started the process of loan modification XX/XX/XXXX. The process was finalized XX/XX/XXXX. This is 4 months later than when they told me it would be finalized. During the process I made every monthly payment agreed upon. In XXXX I received a statement stating my next payment was due XX/XX/XXXX. I called to verify this date. I was assured everything was set. I made on time payments XXXX, XXXX, and XX/XX/XXXX. Two weeks after my due date in XXXX I received a call saying I was a month behind. This made no sense since I had all the statements saying I was not behind and was paying on time. I requested a work order to figure out what happened. The person who called me could not give me a reason why I had XXXX statements in XXXX that said different things. After they investigated they realized there was an error in funds being transferred etc ( something I do n't really understand ) during the loan modification process and basically I was just a month behind. I explained I could not pay an extra mortgage payment. I 'm on tight budget hence my decision to do a loan modification in the first place. They did not care. Not their problem even though they created it. I am now trying to catch up so I 'm no longer behind and ca n't pay other bills. They are now charging me late fees which makes it harder for me to catch up and my credit score has been damaged. Also almost immediately after just finding out I was supposedly behind I started receiving letters threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been trying to fix an error that is reporitng on my credit since I started repairing my credit in XXXX  2017. I have sent numerous letters, faxes, certified letters, phone calls, etc to Transunion to correct this. I recently filed a dispute back in XXXX and they removed one of the inaccurate collections, but failed to remove the other from the same company. Transunion has yet to notify me of who they spoke with to verify that this information is accurate. I have also reached out to the collection agency to rectify this situation, but they refuse to respond to my request. The only thing I need is for Transunion to update and correct my credit report b/c it 's affecting my ability to obtain credit. Thank you! 

The collection reporting is XXXX XXXX XXXX  {$1500.00} Attached you will find the letter that was sent to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Received a loan I didn't apply for

Complaint: This activity was due to identity theft. I have sent over XXXX letters to the collection agency via my attorney demanding verification of debt ( loan documents, copy of check used for the loan, etc. ) and they have yet to send me anything. My complaint is that they have re-aged the debt several times over the past two years which adds time to it 's removal from my credit report. It 's my belief that they are doing this illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Experian Credit Bureau continues to have fraudulent information/accounts on my credit report. I have disputed these accounts several times and their re-investigation process is against the law. They refuse to re-dispute after an account is verified as accurate and even goes so far as to call the claim frivolous. I have had these accounts verified and removed by XXXX and XXXX   after being deemed fraudulent : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX/XXXX 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 explanation
Consumer complaint received 07-02-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: I paid for a wedding vendor to provide a service during my wedding, which she failed to do. I have an email from that vendor agreeing to give me a FULL refund and since she did n't have my credit card information on file, she suggested filing a dispute with Chase to get my money back. I filed this dispute with Chase in XXXX. It 's now XXXX and Chase is still " looking into it ''. They have the email with the vendor telling me to both file a dispute with Chase and that she agreed to a FULL refund. 

The way Chase is behaving is ridiculous- They have everything they need and and they 're keeping my funds for an unnecessarily long time. They need to get their act together. The vendor is not disputing this charge back, and there is no reason why they should n't give my back my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got my credit report XXXX months ago for the first time in XXXX yrs, I saw a lot of incorret accounts that was not my account, I contacted the creditors XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I told them the accounts on my credit report is not my accounts at all, XXXX days later the all sent me letters & called me & told me this accounts was unverifable & inaccouate & it was somebody elses accounts in the letters sent to me the accounts to be deleted from my credit report because this accounts is not mine, EQUIFAX REFUSES to Delete This inaccurate & unverifable accounts that states in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Prepaid card (Other special purpose card) with CITIBANK, N.A. (GA).
Issue: Managing, opening, or closing account

Complaint: Received this visa debit prepaid card for {$60.00} as part of a promotion from XXXX XXXX. The issuing bank is Citi. The card expired and according to your website we should request a replacement since the funds do n't expire for 5 years. Contacted Citi customer service at XXXX. We were told sorry. First spoke with an agent named XXXX and then a supervisor named XXXX. Thanks in advance for your time and attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with ONEMAIN FINANCIAL HOLDINGS, LLC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 

SPRINGLEAF FINANCIAL SER XX/XX/XXXX SPRINGLEAF FINANCIAL SER XX/XX/XXXX SPRINGLEAF FINANCIAL SER XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TN).
Issue: Account opening, closing, or management

Complaint: After recently checking my credit report, i found that Wells Fargo Financial Cards account number XXXX reported to XXXX on XXXX/XXXX/2015 that I have a balance of {$14000.00} with a past due amount of {$4700.00}. They also reported to XXXX that this account is 120 days past due. It shows a credit limit of {$15000.00}. This information is not accurate and is not true. The account has been charged off in the past and Wells Fargo is aware of it. But yet they constantly report bogus information to XXXX. Wells Fargo needs to correct this ASAP.

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 10/15/2017 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no knowledge of this company! I do not owe them anything! I 've never signed a contract with them!

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: We paid our servicer, Ocwen Loan Servicing two ( 2 ) months in advance monthly mortgage payments. Per Ocwen credit history report on the first page, Ocwen reported in XXXX 2016 for XXXX 2016 only! Ocwen failed to report our advance monthly payments that were made. Per the credit reporting statement from Ocwen, on the XXXX page reflects that Ocwen reported to the credit bureaus on XXXX XXXX 2016 and our account is current. Per the payments and amounts due statement from Ocwen reflects our next payment is not due until XXXX XXXX 2016 for {$690.00}, XXXX page. Per the payment history statement from Ocwen, this statement reflects that we are not due until XXXX XXXX 2016, forth page. The facts are, the documentation that is enclosed reflects that we paid Ocwen loan servicing advance monthly payments. Ocwen has failed to report to all the credit bureaus accurately. Ocwen has failed to report to all the credit bureaus that we are current until XXXX XXXX 2016. Ocwen Loan Servicing must report to all credit bureaus accurately, by law. Ocwen Loan Servicing must be required to report our advanced monthly payments, reflect as current, reflect that we are not due to make another payment until XXXX XXXX 2016. Ocwen is hurting our chance to improve our credit history, our FICO scores and a future loan!

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX, XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My XXXX XXXX has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get XXXXredit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 



Waiting for a Reply, XXXX 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 explanation
Consumer complaint received 07/14/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Transworld Systems calls me at least 8 times a day, after they were told not to, they will not verify the debt, they will not mail me anything and I believe the debt is outside the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I am XXXX and my mother used my social security number to get home loans, new cars, credit cards, business loans and WHATEVER she could get. She stole my identity to pay her bills and HAVE nice cars CLOTHING home ECT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (Other debt) with ProCollect, Inc (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I sent Procollect a letter requesting that they validate the debt they claim I owe. I received a letter from Procollect dated XX/XX/XXXX which included a final account statement with another individuals identifying information. They failed to provide any competent evidence. They failed to provide me with an original contract. I do not owe this debt. They must remove this account from ALL 3 credit reports and agree not to sell 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 11/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech aka Greentree has ripped me off with unsubstantiated late charges and other " mystery fees ''. When contacting them I spend hours of my life on phone. 
It is really very simple ; I have a schedule showing payments always made within the grace period. I have until XXXX of the month to pay. In cases where the XXXX falls on a non banking day that is supposed to roll to the next banking day. Not with Ditech / Greentree. That 's just another opportunity to rip off customers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-05-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: An account I opened while I was in college. Found out I had a balance on the card. I immediate paid the debt and it 's being reported on my credit report as derogatory. PayPal credit card. Tried numerous times to get it off. But still remains. When I made the payment I was told ones that was done all the negative reporting including derogatory mark will come off. Since the payment I have disputed and disputed and still nothing. My biggest mistake was that I did n't get it in writing. I trusted them to remove the mark.

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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX contacted XXXX regarding incorrect reporting of XXXX XXXX incorrectly reporting Acct # XXXX. Account was discharged in Bankruptcy XXXX XXXX. However the account keeps returning on my Credit file. After 3 attempts to correct the error you are my last hope. The last response from my dispute is as follows : We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone : ( 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 explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (PA).
Issue: Problem with customer service

Complaint: I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong I have circled the XXXX XXXX XXXX XXXX Account # XXXX high balance missing, This listing is incomplete, please delete the entire item. 
I am writing to dispute the following account : XXXX/XXXX Account # XXXX. This listing is missing the hgh balance. Please delete the item. 
I am also disputing the following account : XXXX/XXXX Account # XXXX. This listing is missing the hgh balance. Please delete the item. 
You are reporting a late pay on the following account : XXXX/XXXX Account # XXXX this acount is reporting 120 days late for 6 months in a row this is mathematically impossible, You are reporting a late pay on the following account : XXXX/XXXX Account # XXXX this acount is reporting 120 days late for 6 months in a row this is mathematically impossible, I have circled the high balance missing in XXXX/XXXX XXXX XXXX Account # XXXX, This listing is incomplete, please delete the entire item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (I do not know) with Receivable Management Group, Inc. (GA) (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received any bills from this agency to be able to pay this debt. I had no knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: Without realizing it I signed up for PayPal credit while making a purchase. I was unaware of having done so and eventually accrued more than {$92.00} dollars in interest and fees in the 6 month period. I was unaware that the purchase had not been paid in full at the time. PayPal credit also signed me up for a {$1000.00} credit line, which I also did not intend to sign up for. PayPal also conducted a " soft '' credit check against my account, which I also do not recall being notified of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello this is my second letter and it seems to me as if youre not going to respond back. Its been over 30 days and still I have errors on my credit file. I am disputing the erroneous accounts as an internal dispute and as an affidavit. 
I have received a credit report claiming that i owe on debts. To my knowledge I am unaware of the erroneous information your company continues to report. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof. You didnt and it has been over 60 days, by law you are to remove the accounts listed permanently and immediately. No creditor or credit agency contacted me to ask for my consent so youve broken the law. Please remove within 24 hours or things will get really ugly. 1. XXXX XXXX 2. XXXX Now 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 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 explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My XXXX card XXXX is not being reported on my transunion 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 08/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX ( XXXX, Oregon ) is reporting a collection on my account that exceeds the 7-year statute. 

The Original Creditor was XXXX XXXX XXXX and the date of the last payment on the account was made on XXXX/XXXX/2009. Approximately eighteen months later, XXXX XXXX purchased this account My EXPERIAN Credit Report does not provide a LAST PAYMENT DATE but my XXXX Credit Report reflects the date of the LAST PAYMENT correctly - As XXXX/XXXX/2009 Experian has sent a response stating they are " unable to honor my request based on the limited information I have provided. '' I have provided Experian with a copy of my XXXX Credit Report which CLEARLY shows the date of the last payment as being XXXX/XXXX/2009. 

XXXX XXXX has NEVER responded to repeated requests to VERIFY the date of the last payment with the original creditor - If they were to do so the date would show XXXX/XXXX/2009. They are using their PURCHASE DATE as the date of the LAST PAYMENT, and this simply is incorrect and as you are aware in violation of the FCRA his account notation should be removed..

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