milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Debt collection (Medical debt) with Adler Wallach & Associates, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On or before XX/XX/XXXX 2017 I contacted AWA Collections concerning a {$60.00} medical debt that appeared on my credit report with XXXX. I spoke with a XXXX XXXX that is in charge of this debt, I told him I wanted to pay the amount shown on the report, I wanted receipts showing I paid so in order to receive receipts I was told to go on line to www.payawa.com and I was given 3 different account numbers one was {$19.00}, one was {$10.00}, the last was another {$19.00}. I double checked the amounts and the account numbers because two payments were the exact same amount, He verified the amounts given. I paid all three and checked with XXXX approximately 2 weeks later only to find that AWA only reported receiving {$20.00} and showing me owing a balance of {$40.00}, I called AWA and XXXX to inquire why {$40.00} was still showing owed, I was told to send verification ( copy of receipts ) and AWA would fix the discrepancy. I sent verification of payment XX/XX/XXXX 2017 However XXXX XXXX called me and stated that I needed to send him some more money or he would not remove the {$40.00} balance. I then went to my bank and had the {$10.00} and a {$19.00} disputed because AWA refused to acknowledge payment, XXXX called me at XXXX XXXX on XX/XX/XXXX 2017 and became very vulgar and spoke obscenities and stated that " I will show you ( in a threatening manner ) since you disputed the payment of {$19.00}, I am going to go into your account and take the disputed amount plus additional funds ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: Yesterday on XX/XX/2017 It was brought to my attention by Wells Fargo cus rep that some been using old account of mines ( debit cards ) that 's was stolen I file disbursement immediately Wells Fargo XXXX on XXXX try to force me to give false information and discrimates causei had to right my pin down to help me remember due to a XXXX XXXX refuse to file my claim cause I refuse to all her to force me against my will to give false information unless it this lady XXXX committing these false act herself using my identity base on her behavior attempting to force me to give false information against my wil and refusing to file my claims once I notice the fraudulent activity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: APPARENTLY SENDING A LEGAL NOTICE MEANS NOTHING TO THESE PEOPLE BECAUSE I SENT ONE AND THE COMPANY KEEPS HARASSING ME AND HAVE PUT THE ACCOUNT ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed the issue but Experian decided to remove the account without initiating a fraud alert. Issue : an account under a collector showed on my report. I contacted them and my social number didnt match with the name they had in file. The company who hired the collector, was closed and the owner is currently facing a civil action by SEC due to XXXX of dollars in frauds. They stole my social security number. Their company address is the address that appears under my social security number for the Experian collector account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Procollect Inc has placed a medical collection on my credit report that does not belong to me. The original creditor has contacted them and informed Procollect that the debt does not belong to me and they refuse to have it removed from my credit report. I have also sent debt verification letters and they have not responded, I have disputed this with XXXX, and Procollec has verified it XXXX times even after being contacted from the original creditor informing them that it 's not my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Ocwen is again violating the CFPB 's rules by not creating periodic payments, directly contacting a person who is represented by counsel a FDCPA violation, using deception in an attempt to get a homeowner into a new modification, not honoring the existing terms of modification, and providing a consumer false information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied for a home refinance loan and used an appraiser my lender sent. The appraisal came back significantly low and I was not able to get qualified. This was a poor appraisal because it did not accurately reflect my home worth. 
The appraiser used homes outside my subdivision even though they are still building in my area and new homes have sold. The current builder in my subdivision has starting prices higher than what I bought my house for. I contested the appraisal by submitting additional sold homes in my area but nothing was taken into consideration I submitted. My old realtor found a higher value based on sold homes in my area. My county property tax appraiser would not even honor the vendor 's appraisal because they said it did not reflect the area and did not " feel comfortable '' lowering my taxes to reflect that value. I have supporting documents but not at this time of completing the complaint. Documents can be submitted as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX, PLAINTIFF GREENTREE LLC, their attorneys XXXX XXXX AND XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX XXXX COURT REPEATEDLY REFUSED TO PROVIDE ME my Qualified Written Request under the Real Estate Settlement Procedures Act ( QWR RESPA ). I sent several QWR RESPA To PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX when I learned that a Foreclosure COMPLAINT was filed on my property. PLAINTIFF GREENTREE and their attorneys XXXX XXXX AND XXXX received my RESPA QWR certified priority overnight on XX/XX/XXXX. The letter was not acknowledged. The second request was certified in my Contesting Answer, and Counter Claim for Wrongful Foreclosure on XX/XX/XXXX. In my certification to the Court, I asked the Presiding Judge to Compel RESPA and Award statutory fines. On XX/XX/XXXX, at a Case Management Hearing XXXX XXXX XXXX XXXX, in XXXX, XXXX I asked the presiding Judge XXXX to compel RESPA, and for statutory fines, and she stated that my request would have to wait for trial. On XX/XX/XXXX, I filed another motion to Compel, and explained in great detail why I was requesting RESPA, and other Discovery so that I can properly defend my position before for trial. I was later DENIED by the COURT on XX/XX/XXXX. On XX/XX/XXXX I sent another certified letter to PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX, and received a response in a letter dated XX/XX/XXXX from XXXX XXXX AND XXXX XXXX XXXX. The letter states, " Please be advised that this office is in receipt of your correspondence to us dated XX/XX/XXXX and received in this office on XXXX XXXX, which purports to be a Qualified Written Request under the Real Estate Settlement Procedures Act ( RESPA ), with respect to the above referenced loan. Pursuant to RESPA, please be advised that XXXX, XXXX will provide a response ( to the extent appropriate ) by XX/XX/XXXX. To date I have not recieved my RESPA, and these dilatory actions have adversely affected me since I have not been able to complete Discovery, and a pending motion for summary judgement will be heard today. In addition to the lack of compliance by GREENTREE LLC and Attorneys XXXX XXXX and XXXX, XXXX XXXX is lending institution that is not affiliated or assigned to my Mortgage, and do how is XXXX managing my loan? Previously, I did send RESPA QWR to the XXXX XXXX XXXX, but XXXX refused to provide to me a physical address, and my letters to a XXXX XXXX XXXX unanswered.

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: They have hard inquiries on 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 10-04-2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I 've had my mortgage with Penny Mac for a few years and have made additional principal payments to bring the principal balance down to below XXXX % original LTV. The PMI disclosure we signed says we can cancel when " the date the principal balance actually reaches XXXX % of the original value of the property. '' Based on the original value of the property, which Penny Mac is using the sales price, we are now below XXXX % LTV. If we used the first appraisal value, it would be even higher. We ordered an appraisal in XX/XX/XXXX through Penny Mac which confirmed our home value increased. There response to me so far has been to deny the request, citing we must have XXXX % LTV of the original value of the home. Our PMI disclosure does n't reference XXXX % LTV at all, and reviewing research on the CFPB web site seems to suggest the XXXX % is an inventor recommendation and should n't be used. Can you please help me clarify? We have met all the conditions needed for PMI to be deleted from our mortgage and continue to get denied.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (I do not know) with Weinman Acquisition Group (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a phone call/voice mail from  XXXX  at Weinman Acquisition Group, she identified herself as working fo r th  e county,   the voicemail stated there are legal documents pertaining to my social security number that I need to sign and failure to do so would result in a court appearance on my behalf without me being present. I returned the call and they would not tell me what it was pertaining to and they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with PAYPAL HOLDINGS INC. (NC).
Issue: Unsolicited issuance of credit card

Complaint: XX/XX/XXXX I made a purchase for about {$300.00} using PayPal account I had for a few years. A year before that I cancelled by phone the PayLater account I also used with PayPal previously because I did n't want the automatic PayPal charges to that account that started to happen. At that time, on the website I also made sure that my PayPal account is linked with a bank checking account and XXXX of my credit cards that I wanted to use as paying sources. It stated in PayPal instructions that linked accounts are used by default. I use PayPal infrequently but for a few purchases after that I verified that charges were indeed correctly billed on my indicated personal credit card. The purchases in XX/XX/XXXX, however, were charged to a " PayPal Credit '' which I did n't know about and never signed for. I only learned that from PayPal email that stated I owed PayPal Credit {$50.00} in interest. I made several calls to PayPal explaining how I was ignorant of this change in my account, did n't authorize it, and counted on this large purchase to be payed off from my linked personal credit card so I obtained the miles and other advantages. I asked to be allowed to pay this debt to PayPal using my credit card but this was refused by the technician and his supervisor because, I was told, PayPal Credit accepts bank checks only. If I do n't pay as directed, my credit rating will suffer, I was told. I asked that the PayPal Credit card ( with a credit of {$2000.00} ) be immediately closed. PayPal complied with this but will not let me pay off the debt with my linked credit card and has now charged {$100.00} in interest. I would like to know how to proceed with PayPal regarding such ruthless disregard of a costumer and their unauthorized pushing of an unwanted credit card. Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax And XXXX XXXX Are Reporting Negative Information On My Credit Report That Is Over 10 Years Old And Closed Over 10 Years Ago. I Have Tried To No Avail To Get This Damaging Information Removed By Contacting Equifax And XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Residential Home Mortgage Corporation (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2017 Residential Home Mortgage processed a hard inquiry on all three credit bureau agencies XXXX XXXX and XXXX reports without my concent in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: on XX/XX/XXXX my husband and daughter traded in her XXXX XXXX to XXXX XXXX dealership. On XXXX XXXX XXXX XXXX sent a payoff check to XXXX XXXX to pay the loan in full for the trade in. To this date, XX/XX/XXXX, this loan has still not been paid off! This has resulted in late charges, extra interest accrual as well as HARMFUL credit reporting on my husband and my daughter and has already affected both of their credit scores. I have called both XXXX XXXX and XXXX XXXX multiple times. I even went to XXXX  XXXX and they did show me copies of the XXXX XXXX  and the check that was sent to XXXX. XXXX  was very rude and unhelpful and kept collection calls coming in. I asked them to notate their system MULTIPLE times and all they kept telling me was to keep making the payments if I did not want out credit affected. I did not have the money for that and also did not feel that was right to us as customers. XXXX XXXX called me in XXXX, I do not recall the exact date and told me the car was in jeopardy of being repossessed. I have explained to them over and over that we did not have the car any longer. I called XXXX XXXX today and was told they had to stop payment on the original check and send a new one which should have been rec'd yesterday by XXXX. I do realize it was the holidays and things are slow but this is my husband and daughter's credit and also a lot of stress on us and on my marriage. I feel XXXX is totally incompetent and keeps losing these checks this loan will never get paid off. I also do not have trust in them to correct our credit if and when this loan is ever paid off! From the last statement rec'd on XX/XX/XXXX they were asking for XXXX and had as at 3 months due. My daughter was never late on her car payment not one time the whole 2 years she owned this car! she is XXXX and had a credit score of XXXX before all of this nonsense! she has now been alerted by XXXX XXXX that her score has dropped. I want these people to be held accountable for all they have put us through! we should not be punished for buying a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a zero balance. Review carefully and follow the law.

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 05-04-2017 about Debt collection (I do not know) with CONTRACT CALLERS INC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated phone calls from various different numbers even after I asked them to stop calling and advised that I was not aware of the debt they claim to be collecting.

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 09/18/2016 about Debt collection (Medical) with Simon’s Agency, Inc (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The charge was for venous collections {$15.00} ( XX/XX/2015 ) for which my health insurance denied as violating contract with them. XXXX XXXX XXXX ( XXXX ) reduced it to {$5.00}. Neither charge was approved by XXXX. I contacted XXXX the date of the bill and XXXX contacted XXXX and they stated they would remove charge. 1 year later I received a derogatory remark on my credit report by XXXX XXXX on my credit report. There was not attempt to contact me or write me concerning this charge. They claim I owe {$10.00} now. They damaged my credit without giving me notice or the ability to contest the charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Fraud Alert Placed on my Credit file without my permission .... NOT authorized,

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have settle the amount with the lawyer representing t he Portfolio Recovery Associates. I had paid a certified check and it was  cashed on the  XXXX  of  XXXX  for the agreed amoun t. Portfolio Recovery Associates also  reported the balance was still owed and that 's incorrect. Case  XXXX   XXXX  in the  XXXX  Ohio Court. This was a  XXXX   XXXX  original  XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This creditor did not send any information for me to dispute this before they began to report on my credit reports. 
This company should provide proof of agreement or contract that I received their services and then violated them before putting false information on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: i had a account with usaa bank for years someone had gotten in to my acct and the acct had gotten closed the problem was my daughter was also on my acct when this situtation happen they closed her accts also the problem is that my daughters and son in laws paychecks our going in to there accts which they closed because my daughter was on them when she called ans asked if she could get her money the bank usaa said it takes thirty days to get her money when i called other banks they said it only takes five days in other banks we need thid money to pay rent and buy stuff for the kids. i am telling people not to bank with usaa because they do people wrong what they say on tv is wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have written Transunion several times via U.S certified mail and called. They have not corrected the incorrect information on my credit report. I am a victim of fraud ; I have advised Transunion of that, they did place a fraud alert on my credit report but failed to investigate the claims I submitted to them about unauthorized inquires. I have XXXX credit do and to contact Transunion. Transunion reported the inquiries and have no proof that I authorized my credit to be ran and the companies that Transunion is reporting are saying they have no record of me in their system or applying for any credit. They refuse to delete inquiries that have been placed on my credit report by Transunion, even some that have been ran serval times in the same day by the same company. Transunion advised me to contact the companies. I have contacted each company and they all say, I have no account with them so there is no record of me in the system so there is nothing they can these inquires that are harming my credit.

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