milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2016 about Debt collection (I do not know) with Fairway Collections, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Fairway Collections LLC and XXXX XXXX, Attorney at Law in XXXX WA have been attempting to collect a debt from a former employee of my small business. XXXX I received and returned paperwork asking me to garnish her wages. It was clear in the papers that she was not eligible for wage garnishment as her salary was too low. I hand delivered those papers to Fairway Collections. 
Awhile later, I received a collection notice telling me I had been turned into collections for {$1400.00} as the agency had been to court and got a judgment against me and my husband ( which will be on our credit report for 10 years. ) We never received any notice of a hearing, so we were n't able to defend ourselves. We have now been summoned to a hearing on XXXX/XXXX/XXXX to appear in court to " answer questions concerning their/his/her property. '' They are requiring us to bring 5 years of tax returns, an itemized list of records of all accounts receivable, earnest money receipts, deeds, mortgages, appraisals of any property we own, bills, cancelled checks, bank statements, and savings programs, certificates of stocks, financial statements delivered in the last 5 years, and evidence of any credit cards of lines of credit. 
They have also said if we do n't appear they will issue warrants for our arrest. 
Keep in mind this is not, nor never was our debt. It was incurred by an employee that does n't even work for us anymore! Also, she incurred this debt years ago, long before she was our employee. Further more, she was not ever eligible for wage garnishment the entire time she worked for us. I have been clear with Fairway Collections Agency about all of those things, and yet they are coming after us and threatening us with court and jail time. It 's ludicrous. 
I have had to seek help from my accountant and attorney to fight this unfair and irresponsible collection effort. I ca n't believe it could possibly be legal. I feel they have been very intentional about keeping information from us. The first request for information came certified mail and I returned it. Now they claim to have sent a second request for our employee 's wages and a hearing notice, but by their admission, neither the second request or court papers came certified. Also, they send everything in unmarked envelopes. IF they sent them, they would have been delivered to whichever XXXX was working. I never saw anything. I would like to see some action taken against this company as I have heard from several people in my community who have had similar experiences with this agency after going through it myself. 
Also, in researching XXXX XXXX 's ( Fairway Collection Agency 's attorney ) address online, I discovered he has already been disciplined by a state licensing agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (VA).
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 FILE AND EARLIER COMPLAIN ON THIS ISSUE AND THE ISSUE HAS NOT BEEN RESOLVED. ON XX/XX/XXXX MY CAR LOAN WAS PAID OFF AFTER I TRADE MY XXXX XXXX XXXX IN FOR A DIFFERENT CAR.. I WAS INFORMED FROM A REPRESENTIVE THAT MY BALANCE ON THE ACCOUNT IS XXXX AND PAID IN FULL. I SPOKE TO THEM REGARDING I WAS STILL MISSING PAYMENTS ON THE MONTHS THAT IS STILL NOT LISTED ON MY CREDIT REPORT AND ONCE AGAIN I WAS INFORMED THAT I WOULD HAVE TO TAKE IT UP TO THE CREDIT BUREAU. THROUGH OUT THE 15 MONTHS IVE BEEN DEALING WITH THIS ISSUE AND THAT IS ONE OF THE REASON I CHOOSE TO GET THIS CAR LOAN PAY EARLIER I CAN SEE IN GOING THROUGH THE NEXT 5 YEARS OR SO DEALING WITH THIS SAME ISSUE. SO LAST FAST FORWARD ON MY XXXX XXXX CREDIT REPORT I AM MISSING PAYMENTS THAT I HAVE MADE AND IT DOESNT SHOW ON MY XXXX XXXX CREDIT REPORT. EARLIER I DISPUTE THIS AND THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND ONCE I FILE DISPUTE ABOUT IT IT WAS PUT BACK ON MY CREDIT REPORT. THAT IS WHY I CHOOSE NOT TO GO DIRELY THROUGH XXXX XXXX AND DISPUTE I DONT WANT THE SAME THING TO HAPPEN AGAIN. ONE OF THE REASON WHY IT WAS DELETE IS BECAUSE CREDIT ACCEPTANCE DIDNT GET BACK TO THEM WITHIN THE 30 DAYS OF THE DISPUT PROCESS AND THAT WHY IT WAS TAKEN OFF. SO I WANT THIS ACCOUNT UPDATE TO SHOW ALL OF MY PAYMENT THAT I HAVE MADE ON THIS ACCOUNT. IT SHOULD SHOW PAYMENT FROM XX/XX/XXXX THROUGH XX/XX/XXXX WHEN THIS ACCOUNT WAS PAYED IN FULL. THE BALANCE SHOULD BE A XXXX BALANCE AND IT SHOULD SHOW PAY IN FULL NOTHING LESS THEN THAT. I AM MISSING PAYMENT HISTORY ON THE FOLLOWING MONTHS ON MY XXXX XXXX CREDIT REPORT PAYMENT FOR THE MONTH OF XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND THE ACCOUNT WAS PAY IN FULL FOR XX/XX/XXXX.  WHEN YOU COMPARE MY CREDIT REPORT FROM XXXX AND XXXX IT SHOWS A DIFFERENT ON EACH REPORT. REGARDS OF THAT ON MY XXXX AND MY XXXX  CREDIT REPORT IT SHOULD SHOW A XXXX BALANCE AND PAY IN FULL NOTHING LESS THEN THAT. ON MY XXXX CREDIT REPORT I AM MISSING MY XXXX PAYMENT AND IT SHOULD SHOW LAST PAYMENT MADE IN XX/XX/XXXX. FINALLY THIS ACCOUNT IS PAY IN FULL SO IT SHOULDNT BE ISSUE IN GETTING MY PAYMENT HISTORY UPDATE CORRECTLY WITH THE BALANCE. I UNDERSTAND THEY UPDAT ONCE A MONTH ON THE XXXX DATE OF EACH MONTH. I ALSO UNDERSTAND THE ACCOUNT WAS RECENTLY CLOSE BUT I PREFER TO GET ALL OF THIS ISSUE RESOLVED WHILE THEY ARE GETTING EVERYTHING CLOSE OUT

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 11-12-2016 about Credit card () with JPMORGAN CHASE & CO. (NH).
Issue: Customer service / Customer relations

Complaint: I was a loyal Chase credit card customer for almost a decade. In XX/XX/2016 I left my job and it took me two months to find a new one. Chase has been repeatedly calling me - I find several messages on my caller ID every day. 
When I landed a new job, I spoke with Chase on XX/XX/2016 and informed them I was starting a new position and I would be able to catch up XX/XX/2016. The person on the phone said he 'd note this, and the calls would stop. 
The calls did not stop : on XX/XX/2016 I answered the phone and was again told I was late. When I asked the person on the phone if there was a record of my previous conversation, she said there was but " company policy is to call every five to seven days to see if anything has changed. '' This is absurd : I informed them when I could pay them, there 's no reason for them to be constantly calling me when the date has not passed yet. 
Chase needs to follow through on what they promise : if I 'm told the calls are going to stop, they need to stop until the date payment was promised has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I would like to continue my fight against Transunion reporting XXXX to my credit report against the law. I recently checked my XXXX XXXX monitoring service and noticed that XXXX # XXXX is still illegally reporting against me and affecting my credit score and hindering my credit report. I have repeatedly asked to be provided with proof that aligns me, XXXX XXXX, to this inaccurate account and I have received nothing of use nor any correspondence from them. This is not fair. When someone requests all descriptions and procedures they should be noted and supplied, that is according to FCRA guidelines. This account is not an account that I have ever held and it can not be reflected on my report. I have disputed all of the information and found it very suspicious and weird that they deleted all of the payment history and changed the dates to newer and more recent dates. I can not fight this uphill battle if they keep changing the game. This is not my account, I have no proof nor any knowledge of this and would like it removed immediately from my credit report XXXX. Please. I have always held XXXX XXXX Loan and you can check my report and see that it is with, and only with, XXXX XXXX XXXX. That is a GOVERNMENT AGENCY! Not XXXX! This may be an account held by another student in my building. I am not sure, but I dispute it and ask it to be deleted. It is Old and Not relevant to me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried numerous time disputing hard inquiries with Transunion. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Transunion with no response. Some were Return To Sender. If it 's not a real company than how can they pull my report? Transunion refuses to delete them from my file.

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 Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I recently made a large lump sum payment to my student loan. I called Navient ahead of time to confirm that this would decrease my monthly payment amount. The representative stated that it would, and estimated that my payment would decrease from $ XXXX/month to approximately $ XXXX/month. She stated that I should contact Navient after my lump sum payment went through to request a new payment amount. 
When I did so, I received a form-letter email stating that lump sum payments would not typically reduce the amount of the monthly payment, but would decrease the term of the loan. The email said, however, that Navient would honor my request and send me a followup letter when the new amount had been calculated. Instead, the followup email again denied the payment decrease. I called Navient today and spoke to a representative, XXXX XXXX XXXX? ), who consulted with her supervisor, then explained that there had been an error processing the request. She promised to correct the error. Instead, once again I got a form-letter email stating that the monthly loan payment would not be changed.

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

Complaint: I just wanted to confirm that this account will be deleted from my credit bureaus. It seems like my last request got sent with the last 4 of my social but in my husband name. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (PA).
Issue: Account opening, closing, or management

Complaint: I have been a paypal user for nearly a year and was using a third party website to sell my products. Paypal told me I was wasting my time by not providing a high mark up on my items. Soon after they limited my account for selling goods purchased from the retail store. Quoted by the agent " Your Wasting Your Time ''. They now have over {$2700.00} and they have locked my account to release funds. I am filing a formal complaint to have my funds released. I no longer want to support this financial institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Credit card protection / Debt protection

Complaint: On XX/XX/2015 I attempted to use a a XXXX XXXX XXXX. This card denied to be used. 
I reviewed the card and it had a valid thru XX/XX/2015 date. I had not needed to use the card untiltoday. I contacted Citi Customer Service on XX/XX/2015 to have the card reissued. I spoke with XXXX # XXXX and supervisor XXXX # XXXX. Both representative indicated that the card could could not be re-issued. There was {$200.00} on the card. And, that the {$200.00} was lost.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (I do not know) with Professional Recovery Management (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: credit report 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 12/31/2017 about Payday loan, title loan, or personal loan (Installment loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Problem when making payments

Complaint: I filed for bankruptcy protection on XX/XX/XXXX. At the time I had numerous loans with USAA. One loan in particular has close to a {$50000.00} balance and my parents are co signers on the loan. My parents mailed in a payment on XX/XX/XXXX to continue payments on the loan. They want to continue to make payments on this loan to protect their creditworthiness. However, USAA is not accepting their payments. To add insult to injury, they are returning their payments to me in the form of a check. So basically my parents are sending them the payments on the loan, and USAA is in return sending the payments to me. I am worried this will affect their creditworthiness as well. I have tried to call USAA on this and they will not address this issue.

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 08/27/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Application, originator, mortgage broker

Complaint: This is in addition to my complaint filed earlier today. 

In addition to my previous complaint:1 ) Ocwen has never answered any of my issues in a timely matter. Every time Ocwen 's time to answer they respond by requesting additional time. And, each time the complaint has been similar still, they ca n't answer and resolve this issue in a timely matter. 2 ) Ocwen has never answered my first RESPA request. This is supposed to be answered within 30 days or be fined a min. of {$4000.00} for non compliance. Ocwen has never paid that fine to me. 3 ) Ocwen continues to mail me - through the U.S. mail monthly mortgage invoices which are not correct. I believe this is a federal crime and is punishable by {$5000.00} for each occurrence. Ocwen has mailed this to me at least XXXX times in the last year. Who is responsible for enforcing this law and how do I get them to pay up?

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
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: Order XXXX XXXX, 2017 Product : Monthly software subscription service Amount : {$160.00} per month Status : Working software subscription service NEVER delivered. 

Actions : By me - filed fraud claim with Bank of America By BAC - none known

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 09/29/2016 about Debt collection (Federal student loan) with Windham Professionals, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The collection agency calls my phone all day even after leaving messages. They will call mad then hang up and call right back. The agency also contacted my estranged husband and family and gave full details of the debt to them and I never provided their numbers to them.

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 08-08-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: XX/XX/XXXX - Vehicle purchased from XXXX XXXX in XXXX XXXX, KS with extended warranty ( cancellable ), loan through Capital One. XX/XX/XXXX - I initiated warranty cancellation by phone with XXXX XXXX. Shortly thereafter received by mail confirmation of warranty cancellation and copy of refund check ( ~ {$2500.00} ) sent to Capital One by XXXX for warranty cancellation to be applied directly to my loan balance. To date ( XX/XX/XXXX ) the refund has not been credited to my loan balance. I have spoken to both Capital One and XXXX XXXX numerous times regarding this issue. XXXX XXXX states that the check has been cashed and that they have fulfilled their obligations and can not take further action. Capital One has stated multiple times that no check has been received, despite XXXX 's statement that their check has been cashed. I have been told that the typical time for cancellation refunds to post is between 8-12 weeks, and it has been approximately 20 weeks since the cancellation was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OH).
Issue: Credit decision / Underwriting

Complaint: I got approved for a loan to buy a house I have submitted everything I need to for them I paid for the inspection and paid good faith check after all of that they said I did n't get approved for the loan to cancel my contract because they do n't want to wait for the down payments assistant said that the Sellers do n't want to wait that long I feel like they are getting over on me I feel that they should have told me that I did not get approved before I spent my money and picked out a house Carrington mortgage in XXXX Ohio XXXX XXXX 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 07-12-2016 about Credit reporting () with Experian Information Solutions Inc. (ID).
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 provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion removed all my inquiries and then added them right back without 5 days notice which is the law on putting items removed back on the report. Also removed my negative accounts and collections then added them back also without the 5 days prior notice. With this being done it dropped my score significantly. I 'm not the only one this has happen to.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.

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 08/26/2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I spoke with company on XXXX XXXX and made arrangements to pay a payment of XXXX on that day and divide the remaining amount due on XXXX XXXX. I started receiving calls on XXXX XXXX, again. PNC Mortgage claims I broke the arrangements and took the extra money I had paid applied it to the fees. The effect of this was leaving the current house payment behind by 2 months. PNC was refusing to honor the original arrangement and refusing to allow a partial payment of amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I switched over from XXXX to XXXX cell phone service due to XXXX having a promotion that they would pay " your last month 's bill '' with your current cell phone carrier. 

I was told in the XXXX store that XXXX did indeed pay my last bill. XXXX is saying that the account had to charged off and they had no record of XXXX paying my last bill. Now this is in collections and showing negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1. Company name : XXXX/XXXX on XX/XX/XXXX.  I did not apply for any services from XXXX. I do not know who has my information but I did not authorize this. 

2. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. I was in the process of buying a home and could not apply for anything at all. 
3. Company Name : XXXX XXXX/ XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. 
4. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services and did not authorize this. 
5. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services with this company nor did I authorize this. 
6. Paid Tax lien of {$64.00} from XX/XX/XXXX. I spoke with a rep from XXXX about this and they refused to help. This was removed from my other credit reports and they would not let me explain anything or try to resolve this issue. My other Paid tax lien for a larger amount was removed with out a problem. 

Any my address is definitely incorrect.

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