milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I been receiving calls from Portfolio Recovery several times a day including at work when they know I can not be on the phone at work its just keeps on getting worse! Especially XXXX/XXXX/XXXX I received a call from XXXX She refused to tell me why she was calling until i told her my name and she was very rude. I told her I would pay the account if PRA would delete it from my credit file she went on saying it will be on my credit until XX/XX/XXXX so she went on and said lets pay it. I never received any notifications from PRA in writing or any notifications on how to dispute this debt with them. I went to PRA website located at https : //www.portfoliorecovery.com/ I chat with a person and she told me i would have to call the rude people I let her know this company would attract more bees with honey than vinegar and my experience with this company has been alot of vinegar. She went on and open a complaint with there internal department but that all she can do. I did look at the accounts they claim I owe them online in there portal and the only information it has the name of the original creditor and the balance owed to the original creditor and the last payment the original creditor got and that 's it. There is no proof that they bought the loan from the original creditor. They might of only purchased the information such as name phone number last 4 of ssn and account info name and last payment but again there is n't proof of that either. I also want PRA to stop calling me off of an automatic dial system such as " ROBO CALLS ''.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen charged me XXXX for postage for sending a notice of default when I was not in default. The payments were made within the grace period. I sent them information to prove this and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent multiple letters  to ENHANCED RECOVERY CORP in  regard to an collection on my account some letter have come back address not valid. by law if they have not sent any information to validate my debt then it should. be removed. I have no knowledge of this account nor do I have an actual contract with this company..       Under the Fair Credit Reportin g Act, 15 U.S.C. 1681g I have the ri ght to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) ( i ).  By publishing these inaccurate and unverified items on my credit report and distributing them t o 3rd pa rties yo  u are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have   on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.   has an consumer I have the right to dispute any information on my credit report that In fact think is not valid at all.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon being denied from a lender for " too many inquires '' on my credit reports, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on credit reports that I DID NOT authorize and had no knowledge of. I contacted the credit bureaus immediately and was being given no resolution. I also tried putting a fraud alert on mt account which should ensure this issue is n't a re-occurrence. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     I have attached Inquires listed on my report that I did not authorize.

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 04-09-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (TN).
Issue: Making/receiving payments, sending money

Complaint: I purchased and item from a merchant and used PayPal to pay because of the buyer protection program, I received the item 30 days later and damaged. I contacted the seller and did not respond I filled a dispute with PayPal, unfortunately they did not investigate the case and decided it in favor of the Seller. I sent the pictures of the item showing the damage and the email from the seller who later had accept to refund money based on the damage, I was surprised that PayPal would insinuate that they can not rely on information provided by me, yet they can rely on information provided by the seller in XXXX to make a determination. I have forwarded the emails to PayPal sowing the conversation and the pictures of the items and still no determination has been made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX is notified on multiple basis and reuses to correct wrong information. If they correct it, its back on the report next month.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to remove a negative item showing on my credit report. I have send information to Experian and the State of Michigan showing that State of Michigan messed up. I also have documents, court orders, and the Michigan Legislature law 552.512 to provide you to show that the State of Michigan messed up. I ask you to please resolve this matter as soon as possible .Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I initiated a cash-out-refi on a  Wells Fargo owned condo mortgage. My personal creditworthiness is outstanding. Employment, ann ual income, on time mortgage payments and  XXXX   credit score are  all verified. The condominium is my primary residence and only propert y. Wells Fargo bought  my mortgage in   XXXX   as the original mortgage broker was too small to service the loan.  XXXX   XXXX  is the date I started sending documents  to Wells Fargo. As of  today,  XXXX   XXXX , I received an e-mail from  XXXX   XXXX  informing me tha t Wells Fargo un derwriters could not approve the refinance because the  " Fidelity Bond Insurance '' policy wa s not in the name of  XXXX   XXXX , but rather in the name of  XXXX   XXXX   ( th e company that provides  HOA servic  XXXX  to  XXXX   XXXX   ).   XXXX   XXXX  has NO Employees and therefore needs no fidelity bond insurance.  XXXX   XXXX  IS covered.  XXXX   XXXX  an d Wells Fargo  have been negligent in their duties to properly handle this refi attempt. I should not have had to wait 38 days to find out they ca n't refinance THEIR OWN MORTGAGE because of some semantics issue o ver fidelity bond insurance.

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 07/15/2015 about Debt collection (Federal student loan) with Wetsch Abbott Osborn Van Vliet PLC. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This account was previously submitted to XXXX Attorney General 's Office for illegal collection practices. I later was informed that Attorney General 's Office of XXXX was unable to locate holder of account. This account has since been to sold numerous but I was not notified, thereby accumulating massive fees without my knowledge. After reviewing credit report and numerous phone calls, I was connected with Pech-Huges of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. Upon speaking with individual, was informed of an expected payment amount with-out seeing the actual balance owed in writing

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: Robo-signing is illegal and has been outlawed in the State of New York. I have discovered the Assignment of Mortgage on my loan was robo-signed by serial robo-signer XXXX XXXX. 

Fay Servicing is trying to unlawfully claim ownership of the mortgage using a robo-signed Assignment of Mortgage. 

On XXXX XXXX, 2007 XXXX XXXX was [ n ] ot an employee ( Vice President ) XXXX on that date. XXXX XXXX was also showing to be an employee ( Vice President ) of XXXX Bank, XXXX on XX/XX/XXXX, 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: SunTrust Mortgage , Inc is refusing to endorse and release funds from a insurance claim to me in order to have the repairs completed on my home. There is not heat or A/C in my home and the risk of damage increases each day they delay this process

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 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: EOS CCA put a collection account on my credit report without sending me any information so I can file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Received a call from Credit Collection Service. They did n't state its was an attempt to collect a debt. The representative stated, " Are you XXXX XXXX? '' When I asked why they then asked for my mom XXXX XXXX. And stated they are calling from a law office but never disclosee why and what debt they were calling about. I never receive any communication from them to verify the debt. According to what is reported on credit report look like its was back in 2012. I have no knowledge about because debt was not properly verified and representative used illegal tactics to get me to verify my identity and close relative

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: Hello, I have been having problems with Check N Go that have not been addressed to the correct party. Finally I am contacting CFPB to get this handled after years of struggling to remove Check N Go account off my record and credit report. I opened a Installment loan for {$3000.00} with Check N Go sometime around XXXX that had manual setups for payment, which i was always current on. Also the check was deposited into my account and the money from the check did not get spent in full so my balance had all monies in my account for any current payments. However, I unexpectedly received notification from XXXX XXXX XXXX that Check N Go cashed my full check for the full amount {$3000.00} which took out all the money from my bank account as well as disrupted scheduled bills on my account, leading to bounced checks and returned payments on my account. Eventually XXXX XXXX XXXX charged me a lot of return check fees and ending up in having to force close my account as well. When i tried to contact Check N Go at the location which i received my loan they informed me the employee who cashed my check no longer works at the store and that they could not help me. Also I was told to contact the fraud dept. for Check N Go but that dept. does not help and canceling/closing this account to show as cleared. I ended up having to pay all my bills and accounts that hit my credit report but the check n go account is still listed on my credit report also they have me on radar for bounced checks so it is hard for me to open up bank accounts. I have neither emails from Check N Go nor any phone calls regarding any missed payments because I was up to date with all payments. 
This year I contacted XXXX XXXX XXXX and had them pull up all of my account statements so I could see my available balances as well as pinpoint the exact timeframe where Check N Go cashed the held check for the full {$3000.00} that they had on file. My weekly payments where current and the money was in the bank for all payments until after they had cashed then check then my account went downhill. 

I also took the liberty of searching for others who have been affected from Check ' N GO financially by their installment loans. It seems this is not a new concept and a lot of their employees mishandle customer 's information as well as company policies in the way to conduct business with their installment loans and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Medical) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They are calling before XXXX and constantly calling during times I am at work or in school. I 'd rather just get correspondence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/31/2017 about Debt collection (I do not know) with ACIMA CREDIT, LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX is not licensed with the State of Tennessee Department of Commerce and Insurance to collect on alleged debts in the state of my residence, Tennessee. I have attached proof of this as of XXXX XXXX, 2017 from the official website, tn.gov

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a loan modification and the Mortgage company denied my request stating I had sufficient income. I had to withdraw money from my XXXX incurring penalties so I can make my payments. They sent me an appraisal report showing that I 'm under water on my property but have not offered me a better solution. Back in XXXX when I was having financial diffuculties paying I asked for assistance and instead they forced me into foreclosure and bankrupcty. I have just gotten out of bankrupcty and am looking for a modification and they are not willing to work with me, which I do n't understand why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion in their closure of XXXX negligently and willfully fabricated a date of XX/XX/2017 when the factual date of initiation was XX/XX/2017.Proof of this is evidenced in XXXX attachments.Giving the CFPB this false date would obfuscate their 30 day FCRA rule violation if it were true.I have reported Transunion to my state 's Attorney General and BBB.

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 Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (CA).
Issue: Taking out the loan or lease

Complaint: I got an email say I applied for a loan and was denied for a loan. I did n't apply for a loan. When I called them they wanted to give me a gift card and more information. I told I do n't need a gift card, I did n't apply for a loan. I just want to get to the bottom of this. He gave me the # XXXX ( which I know is just a directory for info ) and said it was the number to he 's supervisor. This is a scam and how did they get my SSN #?

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Bureau Services Association (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX regarding my credit report. I was a victim of identity theft. I have inaccurate debts on my credit that I have never heard of or signed for. I have spent the past 2 weeks tracking down this debt as to everyone keeps saying they dont have it but when I dispute it it some hows magically keep reappearing. Please remove this debt from my account as it is not mines and it is effecting 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 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: on XX/XX/XXXX I called capital 1 regarding XXXX and I was advised they would be removed all but XXXX which was acceptable as I have had terrible problems with capital one and their sleazy banking so I deducted XXXX from my balance and sent a ck for XXXX. I received my new statement and found I had a balance of XXXX this looks like interest on top of interest.I thought that was illegal! Called to have the interest removed to XXXX out the balance and was told it could not be done .Called again today and was told the same thing system would not allow. XXXX can only be removed 3 times in a year!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Starting in 2013, someone used my name and my address to create checks, and a fraudulent checking account. I filed a complaint with the FTC ( ref. XXXX ) and a police report ( RN. XXXX ). I recently found these checks on my credit report which does not belong to me

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 recently discovered that   XXXX   XXXX   reported my account as a Charge off on my credit report when I was denied a loan by   XXXX   XXXX   due to the Charge off. I immediately contacted   XXXX   XXXX   by phone in an attempt to rectify the error. I was informed by the customer service representative that my last payment was received on   XXXX   XXXX   XXXX     and that my account was reported as a  Charge  off on   XXXX   XXXX   XXXX    . We both agreed that it did not make sense that my account would be reported as a Charge off 2 days AFTER my payment was received. At the time   XXXX   XXXX   XXXX  reported my account as a Charge off, it was paid in full with a  XXXX   XXXX . I have spent HOURS on the phone with numerous customer service representatives. The phone calls have been extremely frustrating and have not produced a positive outcome. Every representative has told me the same thing " due to the age of this account, they do not have account records and can not provide me with the information that I am requesting '', yet they refuse to remove the inaccurate information from my credit report. I was told that a Supervisors would call me back on  XXXX  separate occasions. To this day, I have not received a call back from a supervisor. I have sent numerous certified letters disputing the  Charge  off that is currently being reported on my credit report and negatively effecting my credit. I have asked for validation of my account including details explaining my why my account is being reported as a charge off with a   XXXX   balance. I have asked for them to send me a copy of my payment history along with account notes. The letters that I received in response to my letters have been a one paragraph response stating that " they only report accurate information to the credit bureaus ''.

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