milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am a California resident who is presently studying abroad. I was reviewing a copy of my recent credit report and found an account for total of {$60.00} in collections. I called the collections agency as below : XXXX, XXXX XXXX XXXX, CA-XXXX ( XXXX ) XXXX They are listed as reporting this debt to all three credit bureaus. It appears on my XXXX, Equifax, and XXXX reports. The collections agency said they are unable to mail or fax me any documentation because I am studying abroad now. They also refused to email me documentation because of " privacy concerns. '' I am unaware of what this XXXX dollar charge is, have never been contacted about it, and I am unable to obtain any documentation about it. 

Additionally I am unable to submit a my dispute of the information directly to the credit reporting bureaus. I was getting a security message error when trying to file a correction through the websites. Perhaps because I am abroad? Because I am out of the country presently and unable to find telephone, fax number, or email contacts for submitting concerns to the credit reporting agencies, there seems to be no way to contact the credit bureaus about this concern or obtain documentation about what this is. 

I greatly appreciate your help in resolving this. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Complaint that I have is with MIDLAND FUNDING LLC. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with MIDLAND FUNDING LLC. I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (WI).
Issue: Balance transfer

Complaint: On XXXX/XXXX/XXXX, American Express billed me for a balance transfer to XXXX XXXX for XXXX. I recently ( XXXX XXXX XXXX learned from XXXX XXXX that they never received a balance transfer from American Express, and my account with them ( XXXX ) was never credited. 
XXXX XXXX concluded their investigation and requested American Express provide them with the ABA number and complete account number the funds were sent to. American Express was unable to provide the requested information stating that their records did not go back that far. I have since paid the XXXX account in full XXXX XXXX. 
I have been paying on the {$2000.00} transfer since that time. It then is my understanding that the balance transfer never occurred, if American Express does not have evidence to the contrary. I am requesting American express credit my account including any payments, paid interest and fees occurred on the {$2000.00} / balance each month beginning XXXX XXXX to current. I would like a detailed statement showing each month what dollar amount was credited. 
I will then pay any outstanding balance to maintain my credit account with American Express and remain in good standing..

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CT).
Issue: Other

Complaint: RE : Credit Card Reporting HSBC Account # XXXX Age of Accounts/Length of credit history Dear Consumer Financial Protection Bureau : I have a closed HSBC account and that had this credit card for over five years and still has a balance on it. According to XXXX, they claim the creditor requested it removed ( credit grantor removed ). I also reviewed my credit history and discovered that other accounts such as my XXXX XXXX account that I had for over 17 years was also not factored in my credit history/ age of accounts. 
The result of creditor removing my HSBC account caused the age of my credit history to shorten and caused a poor status. These actions to remove the above referenced account was done intentionally to cause the age of my credit history to shorten, resulting in a poor age/history status. 
I have had this HSBC account since 2003, and there is a 13 year perfect paying status that has been removed by someone either from HSBC or the credit bureaus to cause the age of my accounts to be more recent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Association On XX/XX/XXXX I sent Portfolio Recovery a Debt Validation Dispute letter because on my credit report its stating a deragatory acct. Of {$550.00} I sent it certified Mail Return receipt requested. Post mark on Receipt Received on XX/XX/XXXX. However during the period of days nothing, No correspondence or acknowledgement or Debt Validation response has come to my attention.They put on my credit Report that Acct is Disputed by Consumer I have sent a second letter, waiting the 31 days I sent another Disputed and Debt Validation on XX/XX/XXXX.But even a second Dispute Debt Validate so the can respond with some correspondence.Nothing has been received by me, they signed for the Two Certified however I Have n't received 1 piece of correspondence from them, no letter of acknowledgement.The company states in all my Credit Reports go through Portfolio Recovery. Portfolio Recovery states I have a Deragatory Open Acct of {$550.00} which original creditor is XXXX however Creditor Contact Details Portfolio Recoverywith no details. On all my XXXX different Credit Report it states meets FCRA. .Portfolio Recovery has not sent me the Consumer One piece of information for this claim.The Credit Report states the account was opens on XX/XX/XXXX. My XXXX report from XXXX/XXXX/XXXX states loan types Debt Buyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid Credit Collection Services ( CCS ) for a delinquent payment to XXXX for {$310.00} on XXXX XXXX, 2015. The payment was processed and deducted from my account on XXXX XXXX, 2015. When I called CCS to inquire why the payment had not been reflected on my credit report they responded that they did not own the account at the time of payment, however, the check was cashed and processed by CCS. If they did not own the account, why did they cash the check nor inform me of this information. After writing to them, they have processed a refund check for the entire amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I purchased vitamins from XXXX XXXX XXXX for XXXX which I authorized on XXXX XXXX XXXX. 2 Weeks Later on XX/XX/XXXX they charged my debit card XXXX which I did not authorize. I have talked to my bank ( Chase ) and this Company because this was a mistake. I could not get help from either.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit card () with U.S. BANCORP (NJ).
Issue: Other

Complaint: Us bank is denying me my welcome bonus offer on a credit card. 
Us bank customer service is horrible they are not giving me information i need about my account and they are not posting my payments to my account, yet they are taking my money. 

I opened a credit card account with usbank back in XXXX. 
After spending a few thousand dollars on the account they shut me down as a credit risk. All I did was utilize my credit line. Nothing changed on me credit report before I applied and after. They just dont want to give me the bonus. 

A separate issue is what happened today. My husband had called in on my account to find out basic information about my account. They gave him a whole run around, and the end result they put a fraud block and no one is able to access the account. I called in and they keep on transferring the call the XXXX, the credit analyst who originally shut down the account and put it in restrain. The XXXX customer service reps ca n't get it straight that I am not calling about the restrained rather this fraud block. 

I am trying to figure out what happened to all the payments on made on the account. I made payments and they seem not be reflecting on the account. I need to know what 's going immediately. It appears the payments I have been making have not been credited to my account and as a result I have made more payments and by now I should have a large credit balance. However there is no one I can speak to. 



Sincerely Yours, XXXX XXXX CC # XXXX Phone number 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 non-monetary relief
Consumer complaint received 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Re : Case # XXXX ( which also see ) Chase has not responded appropriately to this complaint of the erroneous charge to XXXX XXXX for a gift card : 1. ) In my initial disputed charge report by telephone to Chase I was told to contact XXXX XXXX to have the {$24.00} charge reversed. I explained that I had no contact or relationship with XXXX XXXX and that therefore they would have no information about me or basis on which to reverse the charge ; that the error was made by XXXX who would have to reverse the charge, whom I had contacted and whom had not responded, and whom Chase would have to therefore contact for the dispute. 
Nonetheless, I did contact XXXX XXXX, who, as I had said would be the case, had no information about me or my CreditCard and therefore had no way to be able to reverse the charge. 
2. ) Chase sent for me to fill out a form which is irrelevant to the billing error which was made ( as explained to you in the Case # XXXX and above ) and therefore the form is useless for the disputed discription. 
3. ) A representive from the Chase exectutive office, XXXX XXXX ( XXXX ) XXXX XXXX left a message on my ( unlisted, private ) phone on Monday, XX/XX/2018 requesting I return her call. I have subsequently called back leaving a message for XXXX XXXX XXXX times and to date, Saturday, XX/XX/XXXX, XXXX XXXX has not returned my call. 
4. ) I have spend a great deal of time trying to resolve what should have been a simple matter. The bureaucratic run around by Chase has prevented a timely resolution, to wit : That Chase would not follow up in an appropriate way after I fully explained the situation, that Chase continues to deal with the matter in an ineffective if not just plainly incompetent manner, and most of all, XXXX XXXX 's not following up with any resolution and flagrant discourtesy in not returning my calls to her.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My stafford direct subsidized and unsubsidized loans were transferred to PHEAA because I work for the Federal Government and am pursuing the Public Service Loan Forgiveness ( PSLF ) plan. I am on the Income Based Repayment ( IBR ) plan. My employer paid {$5000.00} to my servicer on XX/XX/XXXX as part of a retention benefit, reducing my principal. I had turned off " pay ahead. '' On XX/XX/XXXX, I noticed that my repayment amount under IBR ( which has been revised to the standard repayment amount, due to my income ) remained equal to the amount in past months when principal was much higher. I contacted PHEAA, who via their frontline employee and supervisor Ha, ( PH XXXX ) insisted that in order to have my monthly payment amounts reflect the newly reduced principal amount, I must leave IBR and switch to standard repayment. Although I insisted that this made no sense since IBR repayment amounts are capped at the standard repayment amount and this means that given the lower principal amount, I am now being overcharged, they refused to admit that this contradicted Dept. of Ed. Rules regarding IBR repayment. PHEAA insisted that unless I switch to standard repayment, I will continue to be charged the monthly repayment amount that corresponds to much higher principal. PHEAA services all loans under PSLF. As a result, this practice is not only directly harmful to not only my eligibility for PSLF ( as I will be overpaying and ultimately eligible for less PSLF forgiveness ), but to all public servants. These practices run contrary to the basic principle of IBR repayment, that it should not exceed the standard repayment amount, and contrary to guidance that IBR is the best option for PLSF, solely administered by PHEAA. I appreciate your assistance in resolving this before my first overpayment would be charged this month ( on XXXX XXXX ) and ensuring that no other public servants have their benefits under PSLF unfairly affected by PHEAA 's deceptive practices. I also submitted a complaint to the student loan ombudsman on XXXX/XXXX/16, reference # XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved XXXX XXXX for a loan modification by Impac, the investor of my loan and XXXX XXXX XXXX is the servicer of the loan. I got a step rate and it was going to increase to 3 % in XXXX XXXX. Therefore, prior 3 months prior to that date, I contacted Impac once again to ask that they extend my modification and keep me at 2 % interest rate for another 3 years. On XXXX XXXX, XXXX, I was approved for another modification, in writing, which was accepted and executed by me. At the time of the approval on XXXX XXXX, XXXX, XXXX XXXX informed me that I should continue making my normal payments at the 2 % interest rate. XXXX further informed me that XXXX XXXX XXXX would take up to 8 weeks to send me the final modification documents. After 8 weeks, I called XXXX XXXX XXXX and they confirmed with me verbally over the phone that my rate was at 2 % but when I would ask about the final modification documents, they acted as if they didnt know what I was talking about. I sent the modification to XXXX XXXX XXXX 3 times and they still claimed they did not receive it. They even received it from Impac and XXXX XXXX XXXX is continuing to refuse to honor the modification. XXXX XXXX XXXX is playing games with me I am so tired I have been dealing with this for months. Why is XXXX XXXX XXXX not honoring the modification that the owner of the loan granted me and that I accepted. Now, because XXXX XXXX XXXX is refusing to honor this modification, I am considered delinquent because they now changed the terms of my loan to the 3 % when in fact pursuant to the terms of the modification agreement I accepted XXXX XXXX, my rate of 2 % is extended until XXXX XXXX. Please I pray that you help me with getting XXXX XXXX XXXX to honor the loan modification that was offered to me, XXXX You.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: After a job loss, we applied for a loan modification XX/XX/XXXX. After several months of providing the same info repeatedly, it was finally approved XX/XX/XXXX. Although all payments since then have been timely, every month since then, Ocwen notifies us that our payment is late. When they call to ask for the payment, I provide them with payment details. Then I 'm placed on hold and when the caller returns to the line, they tell me I 'm right. The payment was being held in " SUSPENSE '' which they will remove and apply to account. This happened EVERY SINGLE MONTH except once in XX/XX/XXXX. XX/XX/XXXX, Ocwen decided to try to withdraw my payment from my savings account even though I authorized payment through my checking. I provided proof that I had authorized checking, not savings and proof from my bank that Ocwen tried to withdraw from savings, not checking. This did not stop them from reporting the payment as being late to XXXX which has now caused me to have a drop in my credit rating. This, in turn, has caused my interest rate to be much higher on a recent car loan. I pay the upcoming month 's mortgage by the last Friday of every month. Most times, when I go on to their website, it wo n't allow me to pay the upcoming month because it 's falsely reporting the last month 's payment is late. When I speak to a rep to explain the problem, again, after they place me on hold, come back on and tell me I 'm correct, then tell me the website will be updated and will allow me to make the upcoming month 's payment. And I try again, and it fails again. SO I call them back and they want to charge me $ $ $ to accept a payment over the phone. 
I 've spoken with Ocwen reps repeatedly. Every time I 'm told they have flagged my account and that the 'suspense ' will be removed but it continues to happen every month. They 're reporting me as being late to credit bureaus which is having an adverse affect on me which is completely unwarranted. They harass us, by leaving handwritten notes on our door, repeatedly calling us at home, cell and at work. The most frustrating part is that we are NOT LATE on our payments! If there were any way to refinance with another company, we would 've done it. But we 're stuck because they 're falsely reporting our payments are late.This is the worst company I 've ever dealt with - We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Application, originator, mortgage broker

Complaint: I purchased a home in XXXX Colorado in XXXX of XXXX that I had financed through GMAC Mortgage. As a result of a divorce, I was forced to file bankruptcy XXXX XXXX, XXXX, and the bankruptcy was discharged on XXXX XXXX, XXXX, and was closed as a no asset matter. 
GMAC filed a motion for relief from stay in the bankruptcy, and obtain permission on XXXX/XXXX/XXXX to foreclose on the house. Rather than foreclose on the house, GMAC sold the loan to Ocwen Home Loans. Ocwen Home Loans has sat on the house for the past five years, and has not foreclosed or taken possession of the property. 
Because GMAC sold the loan instead of foreclosing, and the fact that Ocwen Home Loans has sat on the house for the past five years, I can not be approved for a loan to buy a home for my family to live in. I was discharged from the mortgage over five years ago, but because of something out of my control, I can not be approved for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My XX/XX/XXXX payment ( check ) to FEDLOAN was returned to me intact on the date payment was due. The payment was postmarked XX/XX/XXXX and I received the returned envelope containg the check and invoice stub on XX/XX/XXXX. The envelope containing the check was unopened and the postage stamp was intact.The FEDLOAN address was clearly visible through the envelope 's window. A XXXX-code had been stamped on the envelope with the words, '' scan this code now to make an on-line payment ''. I phoned a FEDLOAN CSR who had " no idea how this could happen ''. I placed the intact envelope inside a fresh envelope and re-submitted the payment to FEDLOAN on XX/XX/2017. I never had a late payment and, of course, now my payment is " late '', even though there is a grace period. I feel that this was an attempt by FEDLOAN to encourage on-line payments. What other motive could there be?

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX Bank continues to " run '' my credit history even when I put them on notice numerous of times. I never consented and I even filed a Fraud Alert with credit card companies to stop anyone from running my credit history resulting in a hard credit inquiry on the report, thus reducing my credit score. I want the hard credit inquiry removed. Why does XXXX continue to hurt consumers credit history?

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