milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2016 about Bank account or service (Other bank product/service) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Account opening, closing, or management

Complaint: I owed approximately XXXX dollars, to XXXX which was purchased by XXXX XXXX. I thought selling the debt twice was against the rules. While I was waiting for XXXX to be ok 'd, XXXX 2006 ) the first debt collector ( I do n't remember the name ) started to call me everyday, even on the weekend. I kept telling the person ( XXXX ) that I expected money in about two weeks and told him after several calls that I was going to receive ssd for XXXX and XXXX. He started acting upset and said. oh no! He hung up and called our police dept and told them I had threatened to kill myself. The police called my home and my sister had to verify I was ok. A supervisor called me and tried to set up payment and I told them about XXXX actions. They told me they had fired him for those kind of tactics. I told them I would not pay the debt, instead of suing them, and they stop calling. A year later they had sold the debt to another debt collector Portfolio started to call and harass me for the money, I told them the story of the other collector, and they bought a bad debt. I did not hear from them until recently. Now they are calling me every week day sometimes XXXX a day. They continue to report this debt to credit agencies. The original debt is from 2006, I now receive XXXX and can not pay and feel I have been wronged and harassed. I 'm done. They have not sent any written communication, just keep calling after10 years. hopefully you can give me direction. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2018 about Debt collection (I do not know) with UMPQUA HOLDINGS CORPORATION (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I open a checking account with my XXXX that I've been receiving for 28 yrs. This XXXX XXXX charged me over and over for months XXXX till they bill got up to XXXX dollars repeatedly took my whole check which was automatically deposited every month they did that without asking me they are a bunch of crooks And I see there CEO is up on charges for the same thing they did to me Please help

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 02-02-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent correspondence to this company multiple times. They have not verified the debt or provided the information that I asked for in order to do my own investigation. The amount is for {$650.00}. I have sent another correspondence on XX/XX/XXXX in order to determine how they verified this alleged debt. The first reply they sent me was received on XX/XX/XXXX and it  was a packet of statements which is does not verify this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Good Evening, My identity is at risk. I 'm a veteran that 's going through a tough time and needed my credit repaired. A guy offered his services to me and seemed like an actual business ( business websites, XXXX videos and other social media 's outlets ). I paid for the service of {$750.00} ( XX/XX/XXXX ) and followed his instructions to place a " freeze '' on my credit ( XXXX XXXX, XXXX, XXXX and etc ) and never heard from him again with no results. So I called my bank ( Navy Federal Credit Union ) on XX/XX/XXXX and asked if the bank would look into situation and they said they could not help. Then, I called the companies mentioned to have the " freeze '' removed and ask about how to submit a fraud alert to credit bureaus and later that same day the guy texts me saying I should see results soon. I 'm thinking since he 'd my information and probably could see if I removed the freeze at anytime, that would signaled him to start his next phase of fraudulence to contact me to keep me calm. 

I have all the texts and information I sent him, his name, email, phone number, business name and bank information ( but I would not be surprised if he changed all of this ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with 360 MORTGAGE GROUP LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX/XXXX/2017 - Present. 360 Mortgage has not and refuses to produce the original promissory and 'alleged ' loan instruments for inspection. 360 Mortgage separated the original promissory and 'alleged ' loan instruments, instead utilizing XXXX XXXX XXXX XXXX ( XXXX ). 360 Mortgage refuses production of its bond and charter to conduct business at XXXX, continuing to escheat my estate. 360 Mortgage 's continued unlawful practices is indicative of an occupational government and its rogue corporations. I intend to forward this submission and all correspondences to the united states ( Organic ) Attorney Solicitor for action.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Date:XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Transunion I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX XXXX. According to section 609 of the FCRA these item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed item as it states the consumer has protection against false and erroneous reporting. Furthermore the creditor is responsible for providing a copy of the orginal creditors documentation. I requesting for the items mentioned above be removed immediately. 

Sincerely, 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 05/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Other

Complaint: The following inquires are on my credit report and I did NOT give approval or permission to run my credit. I 've sent letter to the creditors and the Bureaus and have not heard back from them. These inquires needs to be REMOVED. 

XXXX XXXX, 2015 XXXX XXXX, 2015 Bank Creditor Contact Details CAP ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Please help me in getting these items deleted. I 've tried all I can.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America has yet to provide me with requested documentation ; i.e., emails and contacts to all the executive officers. The only higher authority I have been in contact with is XXXX XXXX who is not only unable to provide me with the contacts, but is also unable to give me her Email contact to to send documentation. 

The only thing XXXX has done is refer to back to lower official who is requesting the same documenation I have sent several times and for several months.

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 07-11-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery Associates is averaging two calls a day to my home phone. They are always from different numbers so I am unable to block them. There is never anyone on the other end when I answer the calls so I have stopped answering them. 


I would like to stop this harassment. This debt is well passed the statute of limitations of four years in my state. ( Pennsylvania )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2015 about Credit card () with PAYPAL HOLDINGS INC. (VA).
Issue: Advertising and marketing

Complaint: Paypal Credit ripped me off. Signed up for a credit account that was " No Payments and No interest on purchases for 6 months ''. I made a charge of {$1500.00}. Two months later, I purchased something for {$50.00}. I was charged interest on the {$50.00} charge. I found out after calling Paypal Credit that " if I read the fine print '', I would have seen that the " promotional '' 0 % was only for purchases {$99.00} and up. However, they did NOT make that clear when I made the {$50.00} purchase. If a credit card company is advertising " No Payments and No Interest for 6 months '', the assumption to any consumer is that is the case. As someone who has a stellar credit rating ( because I watch my fiances like a hawk ), this should not have gotten past me. So, I can only imagine consumers who do n't look as carefully getting ripped off by these crooks otherwise known as Paypal Credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2016 about Credit card () with JPMORGAN CHASE & CO. (LA).
Issue: Rewards

Complaint: I applied for a Chase Freedom Card that pays 1.5 % back and was turned down for down for the card for some reason. I called Chase on XXXX at XXXX and spoke to a representative. I specifically asked the lady if I could change XXXX of my current credit cards over to the new Chase Freedom Card and still get the {$150.00} credit applied to my account if I spent {$500.00} or more in the first 3 months of having the card and the lady told me I could. 
Chase then mailed me the new card and I in fact spent {$500.00} and more in the first 3 months. Around XXXX, I called Chase to find out Why I never got my {$150.00} credit. They told me I could not get the {$150.00} because my account was not new. I told the person I spoke to what the lady had told me about being able to get the {$150.00}. 
The lady referred my complaint to marketing and said they would be back with me in XXXX to 10 days. I never heard back so on XXXX XXXX, XXXX, I called Chase again. I spoke to a supervisor who reviewed the marketing departments findings and he even told me they had reviewed the phone call I made on XXXX XXXX, XXXX, and found where their employee told me I would get the {$150.00} as a statement credit if I spent {$500.00} or more in the first 3 months of the account being open. However, he told me this was a mistake by their employee and they had no way of giving me the credit since my account was an existing account since XXXX. So, even after finding I accepted the new card based on what I was verbally informed by their employee, they would not honor what I was told! I feel this is very wrong and is most likely illegal, as a company as large as Chase MUST stand behind what their employees inform customers! Further, it appears that Chase is willing to take better care of a brand new customer than a loyal customer of 24 year which is very, very poor business! If chase ca n't honor and stand behind what their employees tell customers, I will NOT be a customer for much longer, as they have violated my trust and banking is based on trust!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Vehicle loan or lease (Lease) with VW Credit (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX my VW lease ended and paid as agreed and my account it was closed. For my surprise until now XX/XX/XXXX VW didnt fix it the wrong report information on my account with credit bureaus. The credit report shows that a lot numbers of monthly payments it was paid late some of them shows more than 90 days late. I never paid any payment late. I called VW several times and CS apologized and said they will fix it but never did it. This wrong report still placed in my credit and still affecting my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (DE).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: There was an issues with receiving my monthly statement. I will paying my last known amount. The amount was short by {$2.00} and I was accessed a late fee. I paid more money the next month in the amount {$30.00} to accommodate the previous month shortage. I was accessed another late fees.I was virtually verbally attacked by XXXX and XXXX in collections about the late fees. They were not helpful nor respectful. Considering it was a mistake made by the company XXXX XXXX XXXX. Both representatives should be coached on how to treat customers. I was promised a late fee removal by the original customer service representative. She just did not know how to remove both late fees. That is why the supervisors were requested.

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 11/22/2016 about Credit card () with STATE FARM BANK, FSB (FL).
Issue: Credit determination

Complaint: Hi i am XXXX XXXX, i applied for a credit card at state Farm and the card was send to me and ship back to state farm cause i have moved, so since then i have been calling state farm and send the faxes and even mailed them documentations for proof of addres but the still have not correct the address and send me the card, but they already charged me XXXX $ for mantanace fee and report it to the credit bureau afecting my credit negatively, i already pay the amout but it still refleck on XXXX like credit card utilization, i dont know what else to do and i need help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Timely final payments on a loan serviced by Ocwen were made and put into " suspense '' which accrued penalties, interest and additional fees. The final payment was {$130.00}. The amounts continue to accrue without explanation which at one point even showed a credit balance on my account. Later I applied for a operating loan for my farm and was denied because of the Ocwen reporting my " bad credit ''.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (FHA mortgage) with MCCUE MORTGAGE COMPANY, THE (CT).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I requested to have late payments removed numerous times and McCue Mortgage has refused to do so. It is preventing me from obtaining another mortgage.

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 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants Acceptance Corp (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item " MERCHANTS ACCEPTANCE CORP '' ( XXXX XXXX dispute ) is inaccurate because the contract became void. The Presidential package that was purchased from the company was never fully delivered, they delivered the vacuum but not the rest of the purchased items. It has been over 3 months since the purchase, I have tried contacting the company to return the vacuum that they delivered because I never received everything that was supposed to come with it, I was met with no response. I tried canceling it with MERCHANTS ACCEPTANCE CORP but they will not stop charging payments, now they are reporting missed payments because of this issue. I am requesting that the item be removed to correct the information. I can provide phone records showing me reaching out to the company as well as me trying to cancel payments. I have filed with the XXXX and my credit card company for disputing the charges. I have also contacted my attorney to make sure that what I was doing was correct. He had advised me that by law the contract becomes void if they ca n't provide the product. The company listed above will not return my phone calls after leaving multiple messages in regards to this product. 

Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This company began trying to collect on this debt in XXXX 2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our 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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent transunion, XXXX and XXXX a certified letter advising that XXXX  XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my 2 CLOSED ACCTS with XXXX then knocking my credit score down 9 more points. This bankruptcy was filed XXXX/XXXX/XXXX and discharged XXXX/XXXX/XXXX. So to add that comment now after over 2 yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have 5 student loans when I consolidated into 1 in XXXX if XXXX. I have proof all 3 credit bureaus received my certified letters with signature required. And have done more damage now to 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
Consumer complaint received 07/29/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I always try to be conscientious about my payments. In XXXX I made my XXXX payment. A few days later I made my XXXX payment. Because it was before the bank statement cutoff they applied my second XXXX payment to principal. Now that it is XXXX I received a delinquency letter. I pulled my payment history and took it to Wells Fargo and went over it with a personal banker. She called the student loan division and they told her because I made my payment before the statement cutoff they applied it to principal. Since I made this through Wells Fargo there was no way to indicate where to post the payment so they used their judgement. They refuse to fix this problem and wo n't apply the payment correctly. In the mean time I have had to make an extra payment. Now I show a delinquent payment when in fact I did not have XXXX. They should not be allowed to charge delinquent fees nor report to a reporting agency when in fact they are at fault not the consumer

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 06-10-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I moved into a Family 's home that was larger. We rented out my home at XXXX XXXX XXXX, XXXX XXXX Ga. XXXX. The rental tenant skipped out and trashed the home. We tried to short sale the property and the bank declined the offers. I tried to do a deed in lieu and they did not do that. They started the foreclosure property 3 years ago. They even changed the lock and winterized the home. Two years went buy and they never foreclosed. I filed bankruptcy on this last year. They still have not foreclosed. They have been paying the property taxes and insurance yet the home is still in my name. I called FHA resources and he stated their is no claim on my XXXX report of where Bankruptcy was started therefore they illegally changed the locks on the home since it is not in Bankruptcy and still in my name. I do not want the home back, I want them to foreclose on it like we agreed 3 years ago so I can re establish credit and buy again in the future. Furthermore this home is getting vandalized and people are doing drugs in it. I contacted the police as I see it unsafe for the neighbors and children out playing, he stated that they have contacted the bank regarding theses issues at the property as well and they do not bother to board the home up or do anything to prevent this from occurring. I feel it is unfair they have changed the locks and started the bankruptcy process over 3 years ago yet have not reported it to FHA so it can begin to give me a clear XXXX report. Again, the address is XXXX XXXX XXXX, XXXX XXXX Ga. XXXX

Company response to consumer: Closed with explanation