milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from Portfolio Recovery Associates stipulate just that. So, if the debt is simply too old to collect, and the fact that PRA LLC shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Statebridge Company (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I do not receive my mortgage statement until the day before my mortgage is due and they state they have n't received my payment and it has been 10 days since I snt them the payment. I requested they send me a book or send the statement out earlier and the lady told me that I need to work with my local postal service ... my husband is one of the XXXX..this is not the issue. They have told me know that I will be charged late fees if I do n't get my payment to them on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Credit card) with ARS National Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: As previously stated to ARS. The debt they are attempting to collect does not belong to me. I was a victim of identity theft. I do not want them putting this bogus account that does belong to me on my credit report. They keep writing me about a XXXX account. there reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: we were charged a {$19.00} annual fee for a credit card that we no longer owned or used. We never got any statements and now we have XXXX thirty day lates on our credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They go by Natilonal Credit  Adjuster  or  XXXX , They have repeatedly called my job on several occasions harassing my co-workers and supervisors saying that they are trying to find me and other personal information. My Supervisor even had a talk with me worried that a personal  investigator or  something was trying to find me. They can not call my place of business and leave voicemails and harass others frequently. They called in    XXXX   XXXX     2017, and   called again on    XXXX   17. And t hat is just the recent ones that I can remember! I have been in to uch with them and they say that they will send me verification of the debt, which they have not. They also say that they are going to serve me with a summons several times, which they have not. they say I have a case # which is not valid as a court case #. I know the law and informed them that this is misleading and they tried to say that I was getting hostile and it I did n't admit this debt they would be forced to seek legal action which they have not!

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Medical) with Medical Business Bureau (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I was inquiring this debt and XXXX tricked me into paying for it once I found out It was under the bankruptcy he acted like he did n't know and said that we owe them money that is why he charged us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NJ).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I was applying for the Discover It Secured Credit Card online. The application was filled out at XXXX on X/XX/2017. I understood that there was going to be a hard inquiry reported against my credit. The application was for a " Secured Card '' and that they were going to be requiring a deposit which would act as my credit limit. At no time during the online application process did it mention the possibility of being declined. If there was I would have pursued other avenues in which to raise my credit score. I called there customer service center at ( XXXX ) XXXX. At this point I was told there was nothing that they could do at this time. I asked XXXX who I was transferred to where in the application process it stated that there was a possibility of being declined. The answer I received was something to the affect of, " Where did it say you were guaranteed to be approved? '' I was then told that because they were going to be reporting to the credit bureaus on a monthly basis that they had the right to require more than just a deposit. I also have emails associated with this along with the application number XXXX. I currently can not create a .pdf file but would be able to forward these.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (I do not know) with Monterey Financial Services LLC (UT).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This company has ignored attempts to provide proof of the debt, they have ignored my request to delete this from my credit or provide what the FDCPA 15 USC 1681 623a7 requires. They have threaten ignored and seems to have a calloused disregard for my rights and the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX have my ssn wrong, when I had an original complaint they were unable to located my information due to the fact that they had my information wrong in the system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Credit Bureaus are still reporting inaccurate information. Company advised that they will be deleting from my report, but they are still reporting with negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Resulting from an ID theft in XX/XX/XXXX while in XXXX, we were compelled to file a Chapter XXXX Bankruptcy which was discharged in XX/XX/XXXX. The Bankruptcy Court defers to State jurisdiction on homestead exemptions. In XXXX that exemption is {$170000.00}. Ocwen refuses to acknowledge this provision in bankruptcy and will NOT report my payment history to the credit bureaus even though they have that obligation. As a result of this egregious conduct, out credit report would suggest we are homeless as there is nothing to show our payment history. We can not apply for a refinance based on the lack of credit reporting by Ocwen. I have documentation from the Ocwen Web Site that shows that I am current, but is recorded as having no payment history. Our loan originated through XXXX Mortgage and placed with XXXX Mortgage. The loan was then acquired by the XXXX XXXX XXXX and ultimately transferred to Ocwen. Ocwen 's refusal to report payments to the credit bureau has immeasurably compromise our ability to reestablish our credit worthiness and denies our ability to acquire a new loan on a replacement home as we are bound but the irresponsible conduct of Ocwen. We have never missed a payment nor assessed a penalty of any kind or description. Yet, we are being victimized for paying as agreed by a misinterpretation of the rules of Bankruptcy Court. I was told by Ocwen, that this is their policy nationwide. Stating that we did not reaffirm the mortgage and there for they can not and will not report our payment history to the credit bureaus or even verify payment history when asked by a lender. Please help as we have lost the right/ability to enjoy all of the entitlements of home ownership by the inappropriate conduct of Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax will not remove my public record of bankruptcy filed on XXXX/XXXX/2008 which was dismissed. Florida Bankruptcy Court told me that it would only remain on my credit report for 7 years from filing date. All other reporting agencies automatically removed it after 7 years from XXXX/XXXX/2008. I disputed that dispute and they only confirm that it is correct and will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with Synovus Bank (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, 2015, I disputed whether the account listed as XXXX Bank and the data legitimately belonged to me. See Attached. After this information was allegedly verified by the bureau I requested what information was used to verify such in a correspondence letters. See Attached. This was done with XXXX Bank as well by phone. I have yet to receive any information confirming the validity of said account. This account should no longer exist on these reports XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Student loan (Non-federal student loan) with SECURITY CREDIT SYSTEMS INC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Account Reference : XXXX I was promised that letter in exchanged for paying the total balance of {$1700.00} that XXXX XXXX had told me was due. I had several conversations with XXXX XXXX last week, Thursday XX/XX/XXXX and Friday XX/XX/XXXX, during which he assured me that once I pay the full balance due he would provide me with a paid in full letter by Tuesday XXXX of XXXX 2015. On Friday XXXX I went to my bank and got a cashier 's check for {$1700.00}. I then when to the XXXX XXXX XXXX XXXX that was next door to my bank and deposited the check to the account that was provided to me by XXXX XXXX. XXXX XXXX asked me to fax a letter authorizing him to fax me the letter of paid in full and I faxed that letter on Monday XX/XX/XXXX. I had made the mistake of telling XXXX XXXX that I was in the process of buying a house and needed the paid in full letter. I explained to XXXX XXXX that my loan Officer and Real Estate Agent were waiting for the letter and my deadline to submit that letter was Tuesday XX/XX/XXXX. XXXX XXXX did not fax me the letter on Tuesday ; instead, he called me on Tuesday trying to extort additional money from me after I have paid the full balance of {$1700.00} that he told me was due. XXXX XXXX called and demanded that I pay an additional {$2100.00} or else he would not provide me the letter of paid in full that I need in order to buy the house. The actions of XXXX XXXX and Security Credit System have caused great financial damages to me and my family to the sum of over {$95000.00}. The way I was singled out by Security Credit System for extortion after I mentioned I was buying a house is a clear violation of the federal Fair Debt Collection Practices Act ( FDCPA ). " The collector can not misrepresent the amount you owe. [ 15 USC 1692e ] 807 ( 2 ) ( a ). The collector ca n't add on any extra fees that your original credit or loan agreement does n't allow. [ 15 USC 1692f ] 808 ( 1 ) Sc-motion-3. when representatives from Security Credit System called did not identify themselves as a collection agencies they identified themselves as calling from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AL).
Issue: Credit decision / Underwriting

Complaint: On or about XX/XX/XXXX I purchased a piece of land from my brother-in-law that ajoined my property. When my brother-in-law received a loan modification on his mortgage his lender made a mistake and included the land I purchased in his new mortgage. I have been in the process of refinancing my mortgage since XX/XX/XXXX. My brother-in-laws lender has not granted the necessary release so that I may move forward on my refinance. This delay has already cost me an additional {$610.00} to extend my rate lock and I do not want to incur any additional expense through the fault of somebody else 's mistake. I will attach my email and contact information for my brother-in-laws lender Chase Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XX/XX/2018 I called TransUnion refused to investigate the inquiries put on my credit report and a couple of days before that I had the same problem with XXXX they refused to investigate the inquiries that were placed on 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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX posted a 30 day late on my credit report for Experian, XXXX and XXXX. My payments were made on XX/XX/XXXX. I posted two separate payments as my first payment was incorrectly entered as {$240.00} on the XXXX system. I then went in soon thereafter and posted another payment for {$400.00} to ensure my acct would be current also on XX/XX/XXXX. I then received a call on XX/XX/XXXX indicating my acct was still past due as only the {$400.00} was entered in the system. I then immediately made the payment. I was always under the assumption that both of my payment had been made as I had received the confirmation email from XXXX.
I sent a letter to XXXX with confirmation of my email confirmation as well as the debit from my bank. XXXX denied the confirmation and stated that it was incorrect even though I sent proof of the email as well as where the debit had taken place on my account. XXXX asked me to dispute the amount with my bank as they had never received it. I put a dispute in place with my bank account and asked XXXX to at least remove the 30 day late from my credit as the error had been on their end and as a goodwill as I have been a good customer. They once again denied everything and told me they would not remove the 30 day even after providing all the proof. I am asking that they remove the 30 day late from the 3 credit bureaus as i am unable to qualify for a good rate for a home loan that I am pursuing. Even though i urged them, they are not cooperating and when I ask to speak with management they tell me there is no one in that department i can speak with because they do not take calls.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I challenged the incorrect reporting on account number XXXXkhols/ Capital one have failed to report this account correctly after selling this account to a debt buyer.if the account was sold why is this company still reporting me late every month.i can not owe two companies.khols wrote me a letter which shows they sold the account and i have attached a letter that proves they still reporting me after they sold it..i have proof they taking away my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent a copy of the letter from the XXXX, XXXX XXXX XXXX that outlines their efforts to have the defaulted loans removed from my credit reports. This happened XXXX XXXX, 2016, but the reports have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Money transfers (International money transfer) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Fraud or scam

Complaint: Sent money wire XXXX XXXX, 2015 from Navy Federal Credit Union at XXXX XXXX Office in XXXX, Florida. Canceled transaction the evening of XXXX XXXX, 2015. I was told that it would be quicker than the wire leading me that it would be cancelled in time since the date of funds availability in XXXX XXXX, 2015. I called the XXXX XXXX today XXXX XXXX, 2015 and learned that my account had been credited with the full amount including the {$25.00} wire fee. I logged into my bank application the credit was not reflected on my balance in the account. I called again the XXXX of XXXX, 2015 and I was told that the procedure was the same to send as to cancel. I then called to speak with the branch manager XXXX at the XXXX XXXX XXXX XXXX office in XXXX, Florida. She stated that they had ask the bank to refund the money. I think I have received the run around from bank personnel at Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Student loan (Federal student loan servicing) with WELLS FARGO & COMPANY (WI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: For the last 6 years I have had late payments reporting on my credit report from Student Loans from ACS/Wells Fargo/US Dept. of Ed. My loans were in deferment because I became very ill and was unable to work. I have disputed it multiple times through the credit bureaus and I get no results. After I received my doctors said I was not going to be able to return to work I filed for XXXX. I also while my student loans were in deferment filed for my student loans to be discharged based on XXXX XXXX. Which was approved! I have XXXX loans reporting that I was late 60 days late 1 time and 90 days late 3 to 5 times?? I was never 30 days late though.

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 08-09-2016 about Debt collection (I do not know) with FMA Alliance, Ltd. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Company called my cell phone and asked if I was a certain person. 

I responded with my name because the person they were looking for is a family member, and proceeded to ask what the purpose of the call was. Caller said the purpose was a private matter and then did not indicate that it was a matter of debt or bill collection and did not indicate the agency 's name. 

Caller then pressed for current phone contact info for the family member, which I provided. 

I called the number back after learning that it was a collections agency ( FMA Alliance ) and complained to a supervisor ( XXXX XXXX ) about the conduct of the previous call. Supervisor was unconcerned about the conduct and indicated that no action would be taken.

Company response to consumer: Closed with explanation