milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Debt collection (Medical) with Creditors Bureau Associates (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/2016 I noticed a collection account on all XXXX of my credit reports, so I initiated a dispute knowing it was not mine. XXXX and XXXX corrected the mistake, but it was still on XXXX. I then call the collection company CBA of XXXX. I requested documentation including copy of Signature, ID 's, Social security card to show they had legal right to collect. I also requested documentation showing they had the right to collect for the company that intiated the account. I also requested proof of their license and bond to even collect in the state of GA. They put me to management and I was assured that they would email the requested documents to me as soon as possible. A couple days went by with no email so I called back and then was told they were getting this information and documents from the 1st party and would forward it to me. I have yet to receive anything proving they have right to collect and I know its imposssible for them to have anything with my signature or ID. Please remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MA).
Issue: Credit decision / Underwriting

Complaint: We obtained a Quicken Harp loan about a year ago when rates were down. We are XXXX and had an ARM mortgage that was going down in years and up in payment amounts. Timing was important to us to refinance so we chose to go with a Quicken HARP loan based on their TV ads and excellent rating. At the time of processing the loan we thought Quicken did an excellent job. Now 1 year later we feel we were taken by Quicken as far as the interest rate they gave us. We had and still have an excellent credit rating. We just want to warn Quicken loan applicants to be aware to make sure of the interest rate they give out. We asked for a lower rate but they said we did n't qualify, do n't settle for less as we did.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with IBERIABANK (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have fraud alerts on my credit reports and someone is trying to open up accounts on my credit that is not myself and whenever the credit grantor attempts to contact me as instructed on my reports the accounts are not allowed to be opened because I had no knowledge of the attempts. However these inquiries are still allowed on my credit reporting. Please remove them. Iberia Bank, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction issues

Complaint: I opened an online account with Western Union ( westernunion.com ) on XX/XX/2017, I processed a money transfer charged to my credit card ending with -XXXX of the amount of {$500.00} to the country of XXXX to my brother, Western Union charged a transfer fee that I greed to of {$42.00}. Then they charged another {$27.00}. The transaction remained on hold for a few days. I called customer care in XXXX and talked to several people over several days ( one example is XXXX operator ID # XXXX ), they informed me that my they need a photo ID of mine and a report on the recipient ( relationship, occupation, father 's name, why I am sending money ), they said they may ask me for more ID information. I was not comfortable providing all this personal information so I asked for the transaction to be cancelled and money refunded to my credit card, they said that money will be on hold indefinitely unless I provide the information they asked for. THIS IS OUTRAGEOUS AND VERY FRUSTRATING..!! The money id still on hold with no refund or cancellation. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am about to refinance my house and checked my score to see that I have 2 debt collections from Progressive Management Systems. Both collections are for different amounts. One for {$560.00} and the other for {$330.00}. What 's really weird is they were both were put on my credit report on the exact same date, XXXX XXXX, XXXX. I have no clue what these are and it 's the only negative impact I have on my score and it 's insanely frustrating. After research of this company I 've seen many complaints of debt collections being reported without explanation and even when people say they pay their debt, they still report it on people 's credit report. Please help so that I can refinance my house and fix my score. Thank you

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 12-05-2016 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (IL).
Issue: Managing the loan or lease

Complaint: To : Whom it May Concern at PNC Bank " '' I spoke with someone from your office ( XXXX or XXXX ) stating that my late payment would not go through until XXXX XXXX, 2016 and would not leave my account until XXXX XXXX, 2016. He told me that mine and my CO-signer, XXXX XXXX 's credit scores would not be affected from this delay since I was prompt in fixing the misunderstanding. His credit was above XXXX and now as you can see with his printout it is now at XXXX. I also spoke with XXXX in your office this morning regarding disputing this credit score change. Please let me know if you have any additional questions. Since the payments have been processed as of XXXX XXXX, 2016. I ask that his credit and mine not be affected by the misunderstanding. " '' Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Struggling to pay mortgage

Complaint: My previous complaint against Champion Mortgage/Nationstar may have been answered but the responses were incorrect. This time I submit proof that my complaint is correct. 1. When Champion/Nationstar foreclosed on me inXX/XX/XXXX, they used incorrect numbers that were incorrect so the foreclosure was illegal but attorneys for Champion proceeded even though I tried to prove otherwise and my wife lay XXXX at the time. She XXXX on XX/XX/XXXX. The foreclosure was based on Champion claiming I owed real estate taxes for XX/XX/XXXXin the amount of {$10000.00} when the actual taxes for XX/XX/XXXX were {$6600.00}. False information leading to illegal foreclosure. 2. Now, Champion is foreclosing for the amount of {$11000.00} when their own statement shows LOC balance as {$8600.00}. 3. in written email from Champion their representative " declines '' to give me an proof of their charges. 4. In current threat of foreclosure, Champion lawyers state original loan balance as {$380000.00}. when the true original loan balance was $ {$170000.00}. I have repeatedly asked for HARP but have been ignored. I assume Champion will ignore it until it expires in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to TransUnion via certified mail. TransUnion refuses to honor my claim & the evidence submitted. TransUnion continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is 100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXXis not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXXis not my account please remove this from my credit report. 

3 ) The XXXX/XXXX/ XXXX XXXX # XXXXis not my account please remove this from my credit report, In addition to this account being reported multiple times. 
XXXX XXXX # XXXXis not my account please remove this from my credit report. 
4 ) XXXX # XXXX, XXXX & XXXXAre not my account ( s ), please delete them from my credit fileI would also like for TransUnion to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: company was sent a cease and desist letter. Company responded with deceptive and false communication. I do not have a contract with this company. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Every year I contact Navient Rate Reduction Program, I struggle to make the payment and currently my hours have dropped to 8 hours a week. My hours have been sporadic. I went two weeks without any hours. I have taken out cash advances on my XXXX XXXX, XXXX, XXXX XXXX XXXX credit cards in order to make the payments. These are things I 've explained to them, well there are no more cash advances available and I ca n't sign up for the Rate Reduction Program for XXXX 2018. I need a forbearance. Why is n't there an extension for XXXX who 've fallen on tough times, but have been paying for years as part of their rate reduction program? I 've chosen paying this loan over buying food. It 's been tough and mostly because I 'm trying to get a XXXX XXXX in XXXX, I know that a defaulted loan on my credit report would disqualify me from so many careers. It happened the last time when XXXX XXXX reported me late, a company rejected me just based on my credit report after 3 job interviews.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: Company has been charging more than allowed by law for fees and in accordance to their terms. Also did not apoly payments to balances accurately in accordance to credit card reform act. They applied to benefit the issuer without making me aware of how the funds were being distributed after I requested the info. This has been happening since I opened the card in 2013. Have contacted them on several occasions and get nothing fixed

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 09/16/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (NH).
Issue: Taking out the loan or lease

Complaint: Pre-Approved Loan which company gives you a contract and monthly payment chart. Then waits 3 days and declines you for the loan. I think it 's False Advertisement because they pull your credit then the bank that works with them sends you the contract etc.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Trouble during payment process

Complaint: We were flooded by Hurricane Harvey in XXXX, Texas. I have flood insurance through XXXX XXXX XXXX XXXX, XXXX XXXX. My member number is XXXX since XXXX. I received a closing flood claim payment from them around XXXX XXXX, XXXX in the amount of {$75000.00} ( check number XXXX ). I took it to our Bank of America branch,  our mortgage is also with Bank of America. The financial adviser in the bank called their corporate office as the branch is unable to approve the deposit before they get the OK from corporate. Again, my check paid from my flood insurance account can not be cashed before the BofA corporate office approves it to be processed. I do n't understand and neither did the bank 's branch financial adviser. No reason for the delay was given to me or their financial adviser at the branch other than this is the process. It is now over 15 days since I tried to deposit the check so I could pay contractors repairing my home. The check was sent to the corporate office. BofA never advised me to take out flood insurance, never paid any portion of the premium, never called me after the flood, never sent out anyone to inspect the damage. They have offered no help at all!! How do they get away with causing us more suffering and pain. Are they getting a kick back somehow by delaying payment? Congressman XXXX XXXX suggested I contact you for help. This is wrong for a bank to do this.

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 03-07-2018 about Debt collection (Credit card debt) with Weinberg Mediation Group LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have four voicemails from the company Weinberg Mediation GroupXXXX company stating that I will be sued if I dont pay my credit card. Which that part is true but I never received in the mail a validation of debt from them and yet they dont want to send me one because they say theyre a green company but shouldnt have I got a letter in mail legally. They have my social address and personal information and even call my mom as well. I just need this company to verify my validation of debt. It also bothers me because they have many bad reviews and seem like scammers all I want is a mailed letter not emailed bacause they sent me a validation letter through email and it also came up as spam. The company is Weinberg mediation group or XXXX as well adresss is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Toll Free : XXXX - Fax Line : XXXX Web : www.weinbergmediationgroup.com Email : XXXX I spoke with 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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 mailed 3 separate written letters to TRANSUNION requesting them to validate accounts listed as XXXX, XXXX, XXXX XXXX XXXX XXXX Bank under my credit report. With every letter, I included notarization with copies of my identifications to prove my identity. I also mailed all of those letters via certified mail as evidence. 

Nonetheless, TRANSUNION has failed to verify the 4 items as they havent sent me any documentation with my signature on it. All the letters I received from TRANSUNiON seem to be generic responses since it 's the exact wording. Those responses say verified yet I dont have any verification as proof like I asked for in my letters. 

Letters were mailed on the following dates to TRANSUNION : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. I spent money multiple times on Notaries and in Certifying Mail services attempting to resolve this with TRANSUNION. 

On dates : XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX they mailed the same response yet it seems they ignored every one of my 3 letters as they didnt address it accordingly. There werent any changes made, just a generic response to meet the 30 days they have to respond requirement. 

( Copy of everything attached )

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 11/24/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Credit bureau is not blocking the information on my credit report that was reported fraud. Police reports and FTC affidavits have been submitted as proof. This is in violation of the Fair Credit Reporting Act section 605B. When I contact the fraud department with Equifax , their answer was " Write our legal team ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In XX/XX/XXXX, I applied for and was approved for the Chase XXXX XXXX credit card. After receiving my card in the mail, I attempted to link the credit card with my existing Chase bank online account. I have been banking with Chase for 12 years so when I received multiple errors, I called Chase for support. They informed me that I would have to go in person to a branch to fix the problem. I went to the branch in XX/XX/XXXXand told them my situation. They said that the social security numbers on my accounts do not match and to fix that problem, they gave me a form to fill out at the branch. I filled out the form and the banker took it and told me that my accounts are now linked. From XX/XX/XXXX - XX/XX/XXXX, I received no notice that anything was missing or that Chase needed anything from me. In XX/XX/XXXX, I noticed all my bill pay was being rejected or returned. I personally called Chase on XX/XX/XXXX to see what was wrong with my accounts and they informed me over the phone that my accounts are now locked due to missing information regarding my social security number. The person on the phone informed me that I must fill out the necessary forms at the branch and have them scan it right away so that my account can be unlocked. I went to the Chase branch on XX/XX/XXXX. I waited ONE HOUR before any bank teller could help me. I told him my situation and he gave me another form to fill out. I completed the form and was told that it would take 3-5 days before my account can be unlocked. I waited until the 5th day and on XX/XX/XXXX, I called Chase again. They informed me that there was still a form missing and that the banker did not give me the correct forms to fill out, as a result, my accounts will all be closed and there was nothing I could do about it. I told the lady on the phone that I really needed my money so that I could pay bills because it was the beginning of the month. She informed me that if I called back in the morning, I could ask to have my check overnighted to me so that I would not have to suffer late fees as a result of their errors. I called back the next morning and was informed that the check was already in the possession of UPS and there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Campus Partners, my loan servicer, has been consistently tardy in their repayment notices. Last XXXX I received a demand letter for {$450.00}. The payment was due on XXXX XXXX, but I did not receive notice XXXX XXXX. The demand letter had been composed at the beginning of the month, but was postmarked XXXX XXXX, rendering it unlikely to arrive before its due date - a fact of which Campus Partners should have been aware. 

In addition, Campus Partners have made themselves deliberately difficult to reach ( no email address, no way to contact them online, a nonresponsive call center that offers no path to speak with management and routinely hangs up ), and have obscured or otherwise failed to provide relevant information about loan information ( such as the ability to consolidate loans, or the actual deadlines for payments ). 

Rather than dealing with them, I have resorted to working directly with my college finance office. The finance office has been helpful, but they should n't be placed in the position of having to do their servicers ' job.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Please refer to my earlier complaint : XXXX on XXXX/XXXX/XXXX. Just now got a letter from BMO harris - they are telling non accurate information. I had sent them the signature card twice - in their provided envelope. How come they are denying that they have n't got it??? That letter from BMO is bunch of lies. there seems to be something really wrong with BMO harris ... please investigate their operations.

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 08-09-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX appeared on my credit report, today. I have not received any information from this company, a statement, who they are collecting for, nothing.

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 07/23/2016 about Debt collection (Medical) with Credence Resource Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received collection notice from Credence in XXXX Texas claiming I owe them {$1700.00} for a debt owed to XXXX XXXX in California. I have paid that debt to another collection agency XXXX XXXX also in XXXX. You have investigated this before and XXXX XXXX sent you confirmation that I had paid 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 explanation
Consumer complaint received 09-03-2015 about Debt collection (Auto) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: HSBC has my loan as transferred, not paid off. A Check was used to pay this account off in full. It also reflects my last late payment XX/XX/XXXX.

Company response to consumer: Closed with explanation