milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery are trying to collect a debt from me but it is not mine. I never owed anything to XXXX XXXX. I called both and they could n't verify that it is actually mine, no address or ID or anything that indicates it belongs to me. 
I asked them to remove and they agreed but yet to happen. 
I need to take a mortgage and they are reporting false item on my report credit and therefore I 'm stuck, loosing money and my house ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2016 about Payday loan () with CNG FINANCIAL CORPORATION (WA).
Issue: Charged fees or interest I didn't expect

Complaint: I took oit a payday loan in 2008 for XXXX dollars that was the fee. Interest was XXXX dollars, and I keep getting calls from the collection agency threatened to sue me and want me to pay XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My interest rate is 5.875 and my balance is {$380000.00}. My payment should be {$2200.00}. They are charging me {$2900.00} per month. I called my mortgage company and they can not explain, I have to request explanation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Struggling to pay mortgage

Complaint: A loan modification packet was submitted to your office on XX/XX/XXXX. Per your office the only document needed was a quick claim deed. Several calls were made to your office and a divorce decree was never requested by your office. Your office stated on XX/XX/XXXX. That a letter was sent to our office on XX/XX/XXXX. Your office confirmed on XX/XX/XXXX that you erroneously sent the letter to the wrong address. therefore providing no notice to the client that a divorce decree was needed. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BARCLAYS BANK DELAWARE (PA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I am a single mother of XXXX currently receiving unemployment because I got fired from my job. The good news is that I have received employment offers however these offers get rescinded because of a charge offs on my credit report.

I called the credit card agencies to work with me and remove the charge off as well as the credit reporting agency so I can get a job and pay these cards however they will not remove the charge off which in turn does NOT allow me to get a job.

The reason for these 3 charge offs was because my husband at the time lost his job and we were unable to pay.

I am a well educated professional with over 20 years of experience yet I can't work because a credit card company says so? What law allows that? A credit card company that charges 26 % in interest. What law allows these companies to dictate policy on my life?

I am a law abiding citizen who pays taxes and is just trying to get a job to support my family.

PLEASE PLEASE PLEASE help me. 
Thank you 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 12/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Systems International, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I terminated trash service before I moved but unknown to me they kept billing for the service and then turned it over to a collection agency that has reported it the Equifax. 

Calling the agency was rather confusing. They wo n't take the {$92.00} because i say I do n't owe it and they wo n't remove the credit line item either.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Chase Bank has a fraudulent credit card listed in my name. I have sent them several letters and a copy of my identity theft report from the police in my city. They are trying to hold me liable for this debt that I had no part in creating.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am the victim of identity theft. I disputed an account wrongfully reported on all three of my credit reports multiple times with each of the Credit Reporting Agencies and the creditor directly. I have previously provided police reports to substantiate my claim. Each time I receive a canned response : " We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. '' Yet the CRAs nor the creditor provide documentation *proving* they validated the information, despite my including a copy of my police report when I disputed the 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 explanation
Consumer complaint received 03-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I was doing a thorough Credit Check via XXXX, which is something I 've decided I would do much more often. In the past, I would only use it to check my score, and that 's it. 
While looking around at the different reports, I noticed that TransUnion was reporting a XXXX name for me. I can not recall why this name would be reported under me, but it seems as if the reporting agency ( I can not figure out how to discern which agency reported my name wrong, or whether it is, in fact, fraud ) typed one letter of my name incorrectly. 
Whatever the reason might be, I 'd much prefer to have my name, and only my real legal name, to represent me in Credit Reports -- I do n't feel comfortable with another name out there that is n't mine that is attached to my liability.

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 08/19/2016 about Mortgage (Other mortgage) with Fay Servicing, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Fay Servicing is sending people to my home and trespassing on my property in an attempt to collect a debt from my deceased father. I am in Florida. The property is in Connecticut. I am in no way associated with my deceased father 's mortgage or property. I have requested the company to stop sending representatives to my property and I was told they have no control over who comes on to my property. My father is not listed as an owner on my property and my mortgage is up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Federal student loan) with NELNET, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter saying I owe a student loan and must send the amount to them.The letter used the US Dept of Educ. but did not indicate who is the servicer who gave them the authority to collect for them. I called the number of the collection agency and the person on the phone said it was a student loan for my daughter 10 yrs ago in my former married name, ( I 've been divorced since and use my maiden name now ) and its defaulted loan. The person on the phone said that I can make payment arrangement based from my income and budget, as low as 5 dollars a mo. in order for the debt to be out of defaulted status. I was skeptical, but I answered all personal questions including where I worked, how much I make, even my budget etc ... since I barely have money left for food expenses, he said I qualify for 5 dollars a month. I thanked the person and I said give me the website where I can pay online. He said that their program is only for automatic payment and I need to give my bank acct or debit card to pay the 5 $ monthly payment. I got nervous and I told him that I will call him back in the morning and I got his name and ext number. The following day I researched and make calls and with the help of the account number on the letter the collection agency sent me, I found out that this so called defaulted loan, has zero balance. That 's why it was not even in my credit report, and I do check my credit score every month, and my credit report at least every 6 mos. So I blocked the collection agency 's phone number to stop them from calling me. They have been calling me and leaving messages, even using local phone number to trick me to answer their call. After 15 days of the original debt collection letter, I received again 2 letters back to back in 2 days, same exact letter, but the balance owed is more but with same loan account number. So I decided to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Submitted a reinvestigation request on XX/XX/2017, to date no formal or informal feedback of the outcome.

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 04-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed an entry on my credit bureau for XXXX XXXX / XXXX as I have no knowledge of this account. Transunion responded on day 31 that it met FCRA reporting however has not provided me with a response as to why they believe that or what information was provided by the creditor. I beleive that any information provided by their client would also prove to be in error

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 06/15/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I called Wells Fargo to see if I could get a loan modification to reduce my monthly student loan payment. They told me that I would not qualify for a modification because my co-signer and I together make too much money. They told me my only other option is to go do forbearance. I do not want forbearance, I would like a more affordable monthly payment.

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 07-08-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Making/receiving payments, sending money

Complaint: My business checks were stolen and I contacted the customer care department to request that I get a new account number. I was told that I need to pay {$30.00} for a stop payment on the checks that were stolen and that I had to go into the branch to get that done. I went into the branch on XXXX XXXX, XXXX, Georgia and was told that every member that is listed on the business with the XXXX of XXXX had to be with me when all of the members listed on the business are not listed on the bank account. I explained about the checks being stolen and was told that was the only way I would be able to get new checking account number.

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. (AL).
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 recently submitted a request to TransUnion as well as XXXX and XXXX to remove the included in chapter XXXX bankruptcy statement from my report since it was NOT LISTED in my schedules. I provided proof of my schedules they never contacted the courts to verify the matter. Also TransUnion totally misinterpreted or blaintly disregarded the letter I sent because they updated information that I DID NOT DISPUTE. TransUnion updated my student loans that were PAID for by XXXX XXXX because they were consolidated and put that my loans were included in my bankruptcy which is incorrect. That wasnt even what I was disputing they changed /updated information that I did not dispute nor request to be updated.

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 01-03-2018 about Debt collection (Medical debt) with Healthcare Receivables Group, Inc. (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Healthcare Receivables Group constantly harrasses me. They call repeatedly from different area codes and continue to send mail to addresses that I have not provided them with.I have continued ton dispute with this company and requested that they not contact me. The state of North Carolina also requires collection agencies to be licensed and active in order to operate in our state. Healthcare Recievables Group is currently SUSPENDED in North Carolina with the Secretary of State and accounts listed on my credit report in the amounts of {$1400.00}, {$730.00}, {$310.00} and {$60.00} should therefore be removed from all credit bureau agencies immediately due to the non active status.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I finally ( after 1 year! ) got a reasonable loan modification from Ocwen -- I thought. After being verbally told that my loan went through ( in XXXX ), I still have not received final loan docs. The problem, I assume, lies within the escrow payment. I have paid my own taxes and insurance since I 've owned my home. Yet, Ocwen has been escrowing my account at ~ $ XXXX/month since XXXX XXXX. 
I 've sent in proof of insurance to Ocwen no less than XXXX times ( since XXXX XXXX ). They put lender-purchased insurance on my account as of XXXX XXXX. I have sent in proof of XXXX and XXXX insurance since XXXX XXXX, speaking with an agent on the average of once every two weeks, with no movement on their part. As of XXXX, I finally stayed on the phone FOR XXXX HOURS while they bounced me from department to department, for me to understand that what one department saw on their computer was not being seen on the escrow department 's computer. Ocwen is always telling me that " they 're researching it '', but this agent acknowledged receipt of the document, called my insurance to verify XXXX insurance, then promised me the file would be updated. He then sent the problem to an escalation manager, who was to call me back to verify the transaction. Well, here it is two months later, and this placement of insurance has messed up the escrow account, made it seem as if I 'm behind in payments, and is driving my credit rating down. 
Additionally, I have always paid my own taxes, yet, I 'm being escrowed for this. Upon loan modification, an Ocwen agent insisted that my account would need to be escrowed for the taxes. After receiving notice from the County Assessor ( in XXXX ) that my payment was past due, I contacted Ocwen re paying the taxes. XXXX XXXX is the first time they have paid taxes on my behalf. Where has all this escrowed money gone ( since XXXX XXXX )?! At their request, I 've sent in proof of tax payment for the last XXXX bi-annual payments ( XXXX XXXX and XX/XX/XXXX ). They have sent me no proof, even though XXXX agent maintained they paid in XXXX XXXX also. The County Assessor has no record of their payment. 
So essentially, they have MORE THAN ENOUGH proof of my tax payments and insurance, yet my account has been escrowed since XXXX XXXX. Ocwen has only recently purchased home insurance ( which I already had ) and paid taxes once ( at my reminding ). Thus, WHERE IS THE MONEY I AM OWED?! Why can some of their agents see proof of the aforementioned, yet it never shows up on the computers which would set my account in order?

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After pulling credit with a mortgage lender to buy a home we viewed a collection account from Portfolio Recovery for {$970.00} ( Reported by XXXX ). This account was a charged off by XXXX XXXX. ( Reported by XXXX ) meaning it was a tax write off for XXXX. I am disputing this account with XXXX to have Portfolio Recovery remove this trade line. XXXX is " double dipping '' by getting a {$970.00} tax write off then selling the debt to Portfolio Recovery for a profit. I would like Portfolio Recovery to remove this trade line. Consumers are being over charged for debt they do not owe. An investigation of these accounts regarding amounts owed need to be analyzed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (FHA mortgage) with Arbor Residential Mortgage LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Seneca Mortgage and I had no idea until over XXXX days after the closing. I 've researched my consumer rights it and I should 've been notified XXXX days prior to this occurring not XXXX days after. At that point there was no XXXX payments due and the new mortgage company changed my due date to almost XXXX weeks different than my prior due date. I have also asked them to only call my cell phone and not my office phone XXXX times now and they still have n't called my cell phone and only call my office. By far the most frustrating situation I 've ever been a part of and from my research they did n't follow the guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IN).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: The bank offered a promotional 0 % interest rate. When it expired I paid off the balance. However, the bank applied the balance to a lower-rate balance and charged me 19 % on the former promotional balance. When I called to complain, I was given the run around and my call was dropped. When I called back in the bank tried to confuse me, but I know they misapplied my payment. My payment, which exceeded the minimum payment, should have been allocated to the highest rate balance, and it was not. The bank wants to cheat me and they think I am too XXXX to know 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 09/29/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Problem when making payments

Complaint: I am a navy federal account holder I just saw that navy federal had to pay out a class action law suit for locking accounts and threatening to go to the commanding officer I was just wondering because this happen to me numerous time and I just paid my loan off last week and I want my piece of the pie too.Everytime I call navy federal to discuss the matter they put me on hold until I eventually hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian is not reporting a payment on an account ( XXXX ) on my credit report. My payment history is missing a payment for XXXX, which was paid on time. I have reached out to XXXX. They claim they are reporting to Experian accurately.

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