milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Number Num : Balance {$220.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Consumer Loan (Installment loan) with CNG HOLDINGS INC (CA).
Issue: Managing the loan or lease

Complaint: I am having trouble with financing I received for some auto repairs on my car. I never received a copy of my signed agreement and was told by the shop I received the services that the company will email the executed agreement. I had some family business ( caring for parents  )  to tend to after I got the   XXXX   fixed and was n't able to follow up.The company began debiting my account for the amount agreed but then they started debited my account on days not agreed  (  every other Friday  )  and caused overdraft on my account, which they continue to do. So as I tried to get information online about the contract I found out the actual financing was a LEASE contract for the PART used in the repair and after a certain time I would have to " return '' the  XXXX  equipment at the end of lease. Essentially I am renting the repairs made to my car and not financing the repair cost as I was originally was told. In neither the Tempoe agent I spoke to or the representative at  XXXX   XXXX  referred to this as a lease agreement and I was not advised the that I would be returning the repair equipment. I called in to  Tempoe  a copy of my executed agreement online and he said the agreement was on the web account. The agreement has no time stamped signature or the electronic signature I signed on the pad at  XXXX   XXXX . I have requested a copy of this and any other documents of my lease agreement and the company refuses to send it to me. The agent spoke to  XXXX  says that they do n't have hard copies of the agreement to send me. I asked him for any paperwork for this loan to be sent to me and they have failed to send it. He also, said I can purchase the equipment for a fee. I feel like from beginning there was was deceptive loan origination practices and this company is not disclosing to their customers that they are entering lease agreement for equipment financing.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: We booked a hotel room on XXXX using our TJX Rewards Platinum Master Card/Synchrony Bank. The hotel room was for XXXX XXXX, 2015 in XXXX XXXX. We paid {$210.00}. We received confirmation from XXXX. On XXXX XXXX we arrived at the hotel at approx XXXX XXXX. The hotel did not have any reservation for us and hotel was full. Called XXXX '' and they did not help us. We had to find another hotel on our own and pay from our own pocket. XXXX never got a room for us and never credited our card. TJX credit card said they can not help us. TJX CC initially credited us {$210.00} while the checked into it but later they took our {$210.00} again and said that the Merchant said that our reservation was non-refundable.?? They never made a reservation!! XXXX never paid a dime- they just did not perform. We lost {$210.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was transferred from XXXX XXXX XXXX to Seterus. After a few months with Seterus, the loan was modified to a XXXX year, 4 % loan, adding back the delinquent interest from the B of A loan. 
Since then, the extra principal payments have not been applied in a timely manner, and the interest charged has not been reduced by the extra principal payments. 
My amortization of the loan shows that we should owe {$12000.00} less than Seterus shows.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Just got off the phone with a rep about my complaint.
They received a response from a   XXXX   XXXX   XXXX   w/ a phone number, no extension nothing and I have been on the phone since  XXXX  and am writing while I am on hold, no one knows who she is and they ca n't find out? According to her response she is more than happy or willing to give me my MONEY I do n't have the actual letter but, it is something to that effect, she will give me my money, the money belongs to me what is she talking about she DID NOT RESPOND to my complaint of I want to see the BENEFICIARY CARD AND SIGNATURE CARD that IF MYfather changed this for me to share with my sister I am by law entitled to see all those cards instead since   XXXX   XXXX   I have been given the run around and lied to. I have spoken to several banks, lawyers and went to Civil Court about this issue and I have the right to see all documentation pertaining to this matter. All have said same, some- thing is not   XXXX   they are hiding something here if they wo n't show you these documents???
Please help me, I registered this complaint with you for this info and I have n't received the proper info here we go again this is why I am complaining to you for your help in ascertaining the cards and why did n't this woman give proper details to contact her? It is  XXXX  just got off the phone they said no one is allowed to speak with me any longer as I filed this complaint and regulatory mumbo jumbo etc etc so I need to wait for another letter in the mail from Capital One about this matter!!! I am complaining again please, please all I want is to see the SIGNATURE CARD AND BENEFICIARY CARD TO SEE WHEN and IF MY father changed the   ITF   XXXX   XXXX   to also beneficiary   XXXX   XXXX   my sister. All statements have come with   XXXX   XXXX   ITF   XXXX   XXXX   nothing else and I have some of the statements as far back as  XXXX  with only my name!!!
PLEASE PLEASE I AM BEGGING FOR HELP SUCH A SIMPLE MATTER???
This is a new complaint about the above complaint that I did not receive a response to my above complaint???
Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/XXXX  Date sent to company :  XX/XX/XXXX  Product : Checking or savings account Issue : Closing an account   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  .
  XXXX   NY  XXXX  #   XXXX   XXXX   --

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NJ).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2016 XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

I am a XXXX and wanting to use my XXXX loan to purchase a home so I ca n't believe how this is happening right now of all times. Is there anything you can do to help me? I really do n't know how these payments became past due.

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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: Since XXXX, I have been exhausted trying to communicate with XXXX XXXX ( currently XXXX ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls and I continue to be unsuccessful in my efforts. My most recent request was faxed to XXXX and included specific documentation from my credit report on XXXX/XXXX/XXXX and I received an email which stated that I would receive a response within 5 business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of XXXX. Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I had a forbearance for years due to not working and being a single mom and they put me in collection because I ran out of times for forbearance. Then I got a job and they told me I had to pay XXXX a month and I told them there was no way I could afford that. They told me there was no way to lower that amount that 's all they could offer me. So again I did n't pay so I was affected with my credit then I finally kept calling and researching trying to pay something and they said I might qualify for a lower payment but they are n't sure so I had to fill out all this paperwork to see if I could get my payment down to XXXX dollars a month which is where I am now except it 's only good for six months then it will go back to XXXX a month which I ca n't afford to pay so I will be back to square XXXX. My loans were {$9000.00} when I graduated in 1999 now they are XXXX. Everytime I pay my payments every month which I have been on time every month it does n't even make a dent in the balance. This is for business school at XXXX college where I graduated

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery has been reporting an invalid account to my credit file for close to 7 years. They are falsely accusing me of owing them {$1000.00}. I have never had any account with Portfolio Recovery. Also, I have no contract with them. I tried to get them send me any agreement that I may have signed. They failed to provide validation. This is clearly a fraudulent act on the part of Portfolio Recovery. Because of their ruthless and illegal practices my credit score, as well as my life, has been impacted negatively. This needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Im a victim of a Toxic mortgage i have a change of circumstance XXXX Veteran I have medical hardship ocwen failed to apply payment on time putting me in default denying me the a hamp modification relief that i am eligible for lost documents -improper fees preditory lending practices - providing false or misleading reason for denial of Hamp modification

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Debt collection (Medical) with Alorica Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted by Global Receivable Solutions, Inc. regarding a debt that I do not owe. This is the second debt collector for an unverified debt of {$69.00}. I previously disputed this debt with a previous debt collector, and they were unable to verify it. The second debt collector sent me a letter on XXXX XXXX, 2016, which was not received until XX/XX/2016. On XXXX XXXX, 2016, I sent them a certified letter disputing the debt and requesting additional information regarding the validity of the debt. This letter was received by them on XXXX XXXX, 2016, within the thirty day period. However, before the thirty day period expired, they reported this unverified debt to the credit reporting agencies. The company also fraudulently represented that the " Dispute date '' was XXXX XXXX, 2016, which is just outside of the thirty day period. However, XXXX XXXX is five days after my dispute letter was received by them, according to the United States Postal Service tracking records. On XXXX XXXX, 2016, Global Receivable Solutions sent me another letter with insufficient information regarding the debt which did not validate the debt. The letter also indicated that the debt had been reported to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Oportun Financial Corporation (NV).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX This company I checked my credit without my permission po 9 times in a year and I tried to talk to them but they spoke to me in a despotic way and I wrote them they never answered me

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: FRAUDULENT INQUIRES OCCURED ON MY CREDIT FILE FROM THREE COMPANIES. FIRST COMPANY IS XXXX XXXX. XXXX ( XXXX ) FRAUDULENT INQUIRES OCUURED ON MY CREDIT FILE ON XX/XX/XXXX AND XXXX ( XXXX ) TIMES ON XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. 

" XXXX XXXX XXXX '' IS THE 2ND COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX. 

" CREDIT PLUS '' IS THE 3RD COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX collection company has placed an unknown account on my credit report in XXXX 2017 without notification or validation of the debt. However I do not have a contract or signed any documents agreeing to pay XXXX XXXX XXXX on an account. I did not establish services nor did I have any written agreement to establish services with XXXX XXXX or XXXX XXXX. I am demanding proof of validation with my signed signature of the debt and proof that XXXX XXXX can collect and owns this account. If both can not be proven with documention. Then not only are they in violation of FDCPA but also FCBA. I have not received notice of this debt a right to dispute and so forth. I am requesting and showing proof not only is this the second time this has happened with illegal reporting to the credit bureaus but also not adhering to FDCPA. This account was with another violating collection company back in XX/XX/XXXXand was removed due to violations. please see the attached documents. Companies as such should govern themselves accordingly and not provide information without proper consumer notification. Violation as such can lead to grounds for a lawsuit under FCRA. I am asking that XXXX XXXX remove accounts immediately and close the account for collections.
Please see attached as to how it has been with two previous collectors who violated and one shows a XXXX balance because i never owed a balance and later XXXX XXXX decided to give it a shot at collecting a un owed debt.

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 12-03-2015 about Debt collection (Payday loan) with Debt Management Partners LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Debt Management PartnersXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXXXXXXHad a man call me by the name of XXXX XXXX claiming he was a detective and I owed on a payday loan for XXXX XXXX XXXX claiming that I had missed a civil suit court date today and that if I I did n't pay the amount owed he would have the bench warrant executed and I would be taken to jail. He said I needed to pay what was due today which was a little more than XXXX dollars or I would be taken to jail until they give me another court date. Threatened wage garnishment and my license being suspended and when I told him I had no money due to my situation he said I need to borrow money for a down payment or I would go to jail. I was never even served with any type of lawsuit. I honestly felt so scared and had no idea what to think but when I get off the phone with him I reversed the telephone number and it went to an XXXX XXXX XXXX I believe and saw many reveiws claiming it was a scam. I then filed a complaint against XXXX XXXX XXXX who responded saying that the debt was sold to this companyHad a man call me claiming he was a detective and I owed on a payday loan for XXXX XXXX XXXX claiming that I had missed a civil suit court date today and that if I I did n't pay the amount owed he would have the bench warrant executed and I would be taken to jail. He said I needed to pay what was due today which was a little more than XXXX dollars or I would be taken to jail until they give me another court date. Threatened wage garnishment and my license being suspended and when I told him I had no money due to my situation he said I need to borrow money for a down payment or I would go to jail. I was never even served with any type of lawsuit. I honestly felt so scared and had no idea what to think but when I get off the phone with him I reversed the telephone number and it went to an XXXX XXXX XXXX I believe and saw many reveiws claiming it was a scam. I then filed a complaint with XXXX XXXX XXXX who stated that they sold the debtDebt Management PartnersXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation