milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Debt collection (Credit card debt) with DISCOVER BANK (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX2017 phoned Discover to make an additional payment of XXXX to my account. I was transferred 3 different times finally an account specialist, XXXX XXXX in AZ said to me, now that you have made this payment, you will have to be switched from an auto pay enrollment with a fixed amount to a minimum auto pay. She did say my payment would not be drafted until XXXX, I told her no I am trying to pay off my debt, not extend it. She then said my account had 20 months to pay but since I paid the XXXX it would now go to 8 months. I asked her what would have happened if I did n't call in, she replied we sent out letters stating that we had a glitch in the Discover system and some auto drafts were wrong and then it showed up on the customers credit as a " no pay '' I said I did n't get any letters. when she looked, she commented well, I do n't see that they sent you an email or a letter. Basically I had to switch to the new minimum payment I DO N'T KNOW WHAT THAT MEANS. She said my XXXX payment was still in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have been sued by Portfolio Recovery Associates. this took place during a time when I was under great duress from caring for XXXX XXXX parents. I did not have the time or the resources to question/fight the suit. I have been reading about the current ruling against PRA and XXXX XXXX regarding their business practices and robosigning of law suits and believe I am XXXX of their victims. PRA would call many many times a day and never ever leave a message. the next thing I knew here comes the lawsuit. I believe that the documentation presented to the court was robo-signed and just defaulted to me because I was afraid of being sued so I agreed to a payment plan with strong urging from the " Legal Dept '' at PRA I have attached all documents pertaining to this suit as well as a current letter received from PRA advising me I can ask for copies of documentation ( which I will ) but it 's making me think that this is not a properly documented judgement

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: In 2009 my mom passed away and I received demanding letters from this attorney in my name. This was not my debt but somehow was in my name. I felt that my mom had taken out the cc in my name since she lived with us. Next thing I knew, after disputing this, they were suing me. I was still dealing with my moms death and the lady was nice when I called and said if I just signed papers to not go to court, they would work with me to get me a signature card to see what signed for hte card, So I did that and paid XXXX a month all the while trying to get a signature card. Next thing I know they are garnishing my bank account and I do n't even have a job. Everything we have is what my husb makes. I called and the lady then told me she did n't care, they were doing nothing but taking everything I had. I went to court and Freaney basically told me he was n't working with me, he could do what he wanted. I have sent letters and applied with the group to have the balance written off since it was not my debt. I ca n't even have a bank account because they will try to garnish it. They lied to me and tricked me into signing the judgement and had no intentions of getting me a signature card to see who opened the account. I have no money to try to fight it and I do n't even have a job. They were extremely deceptive and hateful on the phone and basically said they did n't care how I fed my family, they were taking my money and that was it and they did n't have to work with me. It has been a couple of years since they tried to garnish my account and I never heard back from the hardship papers i filed with them. I just need this to be over so I can move on without being afraid of the sheriff pulling in my driveway with garnishment papers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The loan has an escrow payment attached due to a property tax non payment that is now 18 months ago. The taxes have been serviced the payments made insurance maintained. To be specific Bayview Loan Servicing has made two tax payments totaling {$4400.00} and I have made one over the period of the supposed escrow. All other payments have been made by myself. The mortgage company stated over the telephone several times the " escrow '' payments would be complete and the loan would return to the original loan payment in XXXX of XXXX. The overpayments have amounted to over {$10000.00}. The amount was to be returned to myself at the end of the escrow period. The escrow period was to be from XXXX XXXX ending in XXXX of XXXX. The XXXX payment includes the escrow payment again with a confusing " reset '' of the escrow amount claimed. When the company has been concatenated by phone the explanation has never been clear and the unknown escrow amount and timeframe now open ended. 
We have also had a problem with holding of payments for 10 days after mailing resulting in late fees

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: I had a vehicle loan through Wells Fargo Dealer Services. I was in a position where I could pay off most of the loan and needed to do so to free up money for an anticipated new monthly payment that was coming up. I contacted WFDS and requested an early payoff discount, we haggled a little bit and we agreed to an early payoff amount. I have done this with vehicle loans in the past and not had any issues and expected this would be the same. Last month I noticed that I had a negative item on my credit report due to that account status being " collection/charge off. '' I disputed this item because the loan was n't charged off or under collection and had been paid in full per mutual agreement. They have now added remarks on this item to say " Payment after charge off/collection. '' This is still inaccurate - it still has never been under collection and was n't charged off. When I made the final agreed payment, I was ahead on payments on the loan, not behind. I never had a late payment. It was never under collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Bank account or service (Checking account) with U.S. BANCORP (KY).
Issue: Problems caused by my funds being low

Complaint: this is relating to a compliant # XXXX XXXX XXXX XXXX 
I printed off of the records that were sent to this web site.. I had not received many of these debt collection notices and trying to go over these and figure out why I then notice many of these notices did not have my correct address.. even XX/XX/XXXX you had my current address of XXXX XXXX XXXX... but XX/XX/XXXX and XX/XX/XXXX both letters were sent to the wrong address some where in XXXX XXXX and then an address in XXXX XXXX .... so i never received these letters ... as i have stated in my last letter XX/XX/XXXX i did try my best to pay this bill at the XXXX US bank and told that the books were closed then i never heard anything else till XX/XX/XXXX. ;. without any notice XXXX were taking out of my account with no court order, notice or anyway to try and make future payments the letter about making payments for 6 months i never received that notice.. but it was at the right address i do not know why i had not received that notice.. ( was that letter really ever sent i would like to see the post mark on the envelope if you do still have it ). I am asking you to please keep the money that was owed to make up for the out standing checks. but would you please consider omitting the bank fees so I can at least have a small amt of money to pay day care your reconsideration would be very much appreciated If this matter is not resolved I am prepared to take this dispute further for the sake of my rights and for my XXXX son .... I feel like my rights have been invaded that some one can take the money from my private account that the goverment gave me to further my education and help with my expense while XXXX I dont feel this was done in a rightful or legal matter 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 monetary relief
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX I am a victim of identity theft and there is currently a {$3600.00} charged off XXXX XXXX XXXX account ( XXXX ) being reported to my credit report that I did not create. In my most recent dispute, I requested the credit bureau to block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have repeatedly sent the credit bureau a copy of an identity theft police report I filed with my local XXXX XXXX Police Department 's office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. XXXX XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because the credit bureau is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure the credit bureau is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am once again attaching a copy of the identity theft report in this email which I know the credit bureau already has.

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 04/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) XXXX is reporting a collection for XXXX. XXXX. There has been no attempt to validate this debt, therefore it should not be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing disputes

Complaint: I had been renting a vehicle from XXXX since XX/XX/XXXX. My last agreement was in XX/XX/XXXX to my recollection. Consistently during this period, I have found that the credit cards I used have acquired balances that I see as fraudulent. With each rental I made sure funds were available. The fact that the rental was approved was testament that funds were available. I was told by the credit card companies that when an authorization was approved that money was set aside for payment and could not be touched. I also received documentation from XXXX stating that the company retrieves the funds at the time of authorization and those funds can not be touched. However, after the end of the term of the rentals, deductions of the accrued amount have been withdrawn and this amount ( devoid of saved deductions ) are withdrawn from my account in entirety. In this discrepancy, Capital One ( XXXX ) is this offending Company. When I inquired to Capital One they suggested that XXXX was withholding the funds and their determination was appropriate until XXXX releases the funds. Inquiries to XXXX are described by the Company as the pattern of the Credit Card Company to not recognize deductions until a certain pay cycle. Thus, I have waited patiently for the responsible Company to comply with Just process. Based on my understanding, XXXX received funds on the date of authorization and Capital One should not be billing my account twice. It appears to me that the Credit Card Company ( or XXXX ) have billed me fraudulently since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mortgage Research Center, LLC (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently filed for chapter XXXX bankruptcy and it was dismissed in XX/XX/XXXX. I have an open mortgage with XXXX XXXX ( VETERANS UNITED ). My mortgage was not included in bankruptcy, interest rates, payments, etc were not affected by the bankruptcy. I opened this mortgage in XX/XX/XXXX of XX/XX/XXXX and only 4 payments show on my credit report as being made. I have made on time, full payments for the past 2 years. The account is now reported closed as of XX/XX/XXXX due to bankruptcy. This account is open and in good standings. This account greatly impacts my credit score and my ability to purchase home in the future. I have tried to resolve this matter with the company with no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MA).
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 am a victim of negative inquiries. I have six negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following six to be removed from my credit report please : XXXX XXXX, 2017 Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am disputing this as a fraud. I never opened this account and when I received information about it being opened I contacted the company. This action happened in XXXX of 2016. They informed me that I would not be held liable for the account but I have been. This action has impacted my credit report because they have turned it over to a collection agency who has reported it as a debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: A letter dated XXXX XXXX, XXXX from USAA Federal Savings Bank stated a successfully paid off my balance to my motorcycle loan and I would receive my loan in the mail. I now have the loan in my name with the release of lien and still the account appears under my XXXX bureau credit report as delinquent and that I still how. This is a violation of the fair credit reporting act and demand action be taken against this institution as I am no longer liable for this account. In addition I will require compensation for this mishap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PR).
Issue: Loan modification,collection,foreclosure

Complaint: I opened a case for a HAFA DEED in LIEU procedure with Wells Fargo Home Mortgage on XXXX XXXX, 2016. 

By XXXX XXXX, 2016, I had submitted all the documentation required. The house was appraised by a real estate broker on XXXX XXXX, 2016. 

Originally I was told that once I did all of the above, my DEED IN LIEU would be approved by HAFA within a month. 

Once I completed delivering all the documents they demanded ( they said they are not going to ask any more documents ) they changed the story. Now they are saying the process will take more than six months. I was told the next step is for them to get mortgage insurance approval. I am suspecting they are trying to sell my loan to an investor and that is why they need mortgage insurance. If they do sell the loan the DEED IN LIEU is not going to happen. I will have to start the process with the new bank all over again. 

In the mean time the house, now vacant, has been vandalized. I had to spend {$500.00} to board up the property. The neighborhood has deteriorated ; there is drugs and house invasions. When I first moved in, the neighborhood was safe. At some point it was deteriorating. I was mugged and moved out and rented the house. In XXXX 2016 my tenant moved out without paying the rent for two months. That is when I started the HAFA process. 

I feel my trust in this HAFA process was misplaced. The bank never intended to proceed with a DEED IN LIEU but they kept leading me on until I gave them all the documents they needed to sell the loan. 

Also, my credit report, as of XXXX XXXX, 2016 has a note from Wells Fargo that reads " Subscriber reports dispute resolved - Consumer disagrees '' which I do n't think is accurate ( my FICO score had been XXXX in XXXX 2016 ; now XXXX is XXXX and XXXX is XXXX ). 

I do have health issues. In XXXX 2016 I moved to XXXX XXXX to get support from my family here. Moving back to XXXX is not an option. And specially to a city block that has been taken over by drugs. Selling is not an option either since the house is under the water. I need your help, please.

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 11/29/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: I paid off my credit card so had a XXXX balance there was a charge of XXXX i guess left over. i never got a bill or call and they assumed no wrong doing. i would not have let a XXXX bill get reported late after years of service. they were rude and due to errors with chase they reported me 60 days late. chase calls me for every stupid thing. i did not get one call about this small balance. as soon as i discovered it i paid it.. 2 months no bill no call no email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as Social Security Number or Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my 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 06/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had XXXX accounts that were an obvious data entry ( cut & spate ) error. I had a Bankruptcy and filed a XXXX for my car loan. All information was provided to the credit unions. A XXXX is a document that makes a loan outstanding Exemt from the bankruptcy. I signed a document stating I would pay my car loan as agreed. I ordered a copy of my credit report and it showed Pay Status paid as agreed. However, it comes up under adverse accounts because the remarks show chapter XXXX bankruptcy. I paid my car loan on time for XXXX years. Which is reflected on the account. Why then does it appear under adverse accounts and chapter XXXX. I disputed this and was sent the investigation results. XXXX loan was deleted bcz it was not mine. The XXXX XXXX loan pay status no longer shows paying as agreed. Now it says account included in bankruptcy. This is ridiculous. I was denied credit by the company I paid my loan to for XXXX years on time and extra money, XXXX XXXX. They denied me for poor performance on loan. What are they talking about. I have bank statements and previous credit report showing on time for XXXX years. I believe they are punishing me for my XXXX year old sons XXXX XXXX account poor performance. This should be illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Settlement process and costs

Complaint: In 2015 I filed for Bankruptcy. .I re-affirmed my mortgage with Wells Fargo Home Mortgage and the paperwork was filed with the XXXX . My Meeting of the Creditors was XX/XX/2015. My discharge was XXXX/XXXX/2015. Wells Fargo instead of showing my payments which have never stopped since the Bankruptcy Began are showing that the mortgage was included in bankruptcy ( XXXX/XXXX/2015 ). They denied me a new account for this same reason after pulling a credit report. They are reporting incorrectly the information to all XXXX credit reporting agencies - XXXX. XXXX & XXXX. This is seriously affecting my credit since I have made sure to have this paid and reaffirmed as part of the credit rebuilding process. I have called them and sent them emails about the reaffirmation and they had not associated to the account until after I spoke to a representative on Wednesday of this week XXXX/XXXX/2015. I need them to correct my information ASAP. Can you please mediate for me. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation