milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2018 about Debt collection (Other debt) with Sequium Asset Solutions, LLC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I applied for a car loan and was notified that I had a negative mark on my credit for a collection for {$130.00} from XXXX XXXX XXXX also know as SEQUIUM ASSET SOLUTIONS , LLC. I contacted the company and told them that I never received any type of notification about the debt, not 1 letter or notice of any kind. They had the wrong address on file. I paid the debt on XX/XX/XXXX. They never sent me a verification letter and just recently ( between XX/XX/XXXX - XX/XX/XXXX ) the debt has shown up on my credit report again. It went from a balance of {$0.00} back to {$130.00} and is listed as a derogatory mark. I already paid the debt in full. This company is terrible. I tried to dispute an error with them and they refused to delete it from my credit so I disputed it with XXXX and they didn't remove it either. It's a helpless feeling to know that you were wronged and there's nothing you can do about it. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX occasions, the XXXX was on XXXX/XXXX/2015 at XXXX they called me at work. The XXXX time they called I was very clear that they were not allowed to call me at my place of employment and hung up the phone. They do not have my married name and ask for the wrong person. I respond by saying no this is not her, the continue to asked who I am. I respond by asking who they are, they only tell me there name. I have to ask specifically " where are you from '' They do not know my married name. On the XXXX occasion I did tell they that I was being harassed and I was contacting a lawyer and again to never call my place of employment again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2016 about Debt collection (Credit card) with URS Holding, LLC (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: this collector called my XXXX mother 's house after XXXX and scared her. He would not say who he was or why he was looking for me. I have not lived with my mother for over 25 years. This company has also called my work. I have told them not to call me again, and it was after I told them not to call my work, that they called my mother.

Company response to consumer: Closed
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I 've been trying to get a look at the my credit report from Experian but I 've had no luck with them. I tried joining their service and still no luck. 
It is impossible to get my personal info from them which affects my life. 
My score from XXXX is XXXX and XXXX is XXXX so why is my Experian is at XXXX. The Experian is stating that I 've seriously delinquent account but I do not.

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 01-06-2017 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (WA).
Issue: Problems when you are unable to pay

Complaint: I am less than 2 weeks past due on my lease through Chase Auto Finance, and I have a pretty good record of paying them on time for the past 3 years. They have called me 5+ times a day, today starting at XXXX and it is now XXXX and I have already received 5 calls. They never leave a message, and when you answer it is a robo call. In order to speak with someone to ask them to stop harassing me, they require you to enter your Social Security #, which I will not do when they are calling me. 5 calls in one day is intimidating and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: PHOENIX FINANCIAL SERVICE has placed illegal derogatory information on my credit report. I have contacted them by mail about this matter on several occasions, but they have ignored my request to validate the said debt or contract that I owe to them. I have absolutely no knowledge of this debt. According to my rights under HIPPA they are in serious violation of the law. There has never been any type of relationship between this business and me. This very lewd act is punishable by law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i just retired from the XXXX how can i have a medical bill of any kind when XXXX pays XXXX % for me and the family XXXX. my insurance is still XXXX and the VA. Could some one please explain, this does not belong to me. Thank you for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On 2010 XXXX XXXX my Bankruptcy was discharged, And when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.
It states these, Derogatory public record or collection filed. ( Not listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed on delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave XXXX XXXX XXXX a XXXX and I have A XXXX. XXXX XXXX is very deceiving company XXXX. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay Back worthyness.please review XXXX and Equifax too thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a call in XX/XX/XXXX from XX/XX/XXXX from Midland saying I owed a bill now in collections. I did n't know what they meant. Checked and saw a bill from XX/XX/XXXX from XXXX that was sold to XXXX in XX/XX/XXXX or XX/XX/XXXX and then to midland. ( now I ca n't get to this original info of exact DOFD. ) In XX/XX/XXXX I am looking at XXXX XXXX and it says my last usage of this account was in XX/XX/XXXX. This is a 14 year old bill and I am not sure if it was mine as Midland will not give me any information as a result of their all a few years back. Do I have a case of re ageing? I have no documentation from XXXX to even compare to see if it is an old debt, or even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Berks credit and Collections continues to report on my credit files that I owe XXXX different amounts as XXXX different collection accounts. I have made numerous attempts to communicate with Berks to inform them that these accounts do not belong to me as Berks are unable to provide verification that I own the debt : ( ie. my signature )

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Settlement process and costs

Complaint: We applied to refinance our mortgage ( same company as the present mortgage, but at a lower interest rate and for fewer years ). I was told it should take 20 XXXX days to complete but it seemed there was XXXX issue after another ( some of which I did n't understand ) and it ended up taking XXXX days til we signed. Communication between the mortgage company and us was very poor. When I would finally get through to the person I was to talk with, I got excuses why things were n't moving along as promised and they were very slow to return my phone calls. I never did talk to the loan originator that was listed on the paper work, only the loan processor who seemed never to have answers, only vague excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: PennyMac, my mortgagee drafted a payment from my bank account {$560.00} in excess of the scheduled payment. They sent me a refund check for that amount with no explanation of how it happened, and certainly without interest for " borrowing '' my money without my permission for the duration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2016 about Debt collection (I do not know) with GMA Investments, LLC (ID).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been dealing with Summit Receivables for almost a year now. They claim I owe on an online payday loan. I have requested proof of the debt two or three times. I did have some debt so I took their word for it and set up payments. They would only take payments by me giving them my account information and making automatic deductions. Immediately I had issues with them taking payments at times that were not agreed on. I have tried to work with them several different times. I would not set up any more payments with them until I receive proof of debt. As of last month, they attempted to pull funds from my account XXXX different times, even though I have not given them permission to access my account. I have been told different things in regards to proof of debt. At first, they said they do not send anything through the mail, only email and then later said the account states I have been mailed proof. I did receive an email giving me their business license. I have never received anything in regards to the actual debt. If this is a legitimate debt, I 'm sure payments have been applied and it seems I should have a right to know what that account looks like. I 've asked them to not call me at work as I am not allowed to take personal calls at work. They have continued to call me over the months at my job. Today I received a call at work telling me that I owe money. When I explained the situation, I was told because I have made payments, I do not have the right to receive proof of debt. I was also told that my employer would be contacted. The representative was very rude when I asked for my right to receive proof and reminded him that my account should be noted that I have asked to not be called at work. He said he was turning it in as a " failure to comply '' and to expect a lawsuit. He also claimed they have called my phone several times but I have not received any messages from them in a few months. I have paid off debt with other agencies and I have never dealt with anything like this. I have looked them up and they seem to be a real company but their practices are very questionable and seem to disregard my rights time after time. I filed a complaint with the XXXX several months ago and they would never respond to my actual complaint of them disregarding my rights. Instead they responded saying they would stop contact on XXXX of the loans. They claim to have XXXX separate loans.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Dear Sir/Madam, Good evening. This is XXXX XXXX. I 've met the spending requirement of my XXXX XXXX card for months and yet there is no sign-up bonus 35k in my account. I 'm booking my trip to Hawaii for XXXX so I really need these points. Could you please urge XXXX issue the points as the contract said? 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Un reporting school loans and loans n names and home addresses that do n't belong to me that 's showing up on my credit report that i did that do myself or approve of being done. I believe someone else is using my name and social security number misspelling my name and birthdate at different states and addresses and has been using it to get all lunes of loans and other this in my name. I believe they been doing it for years and im just now noticing all the different loans and debit that has been done on my credit reports.

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 08/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion shows a 30 day late payment on one of our accounts ( XXXX XXXX XXXX ) In XXXX 2013 we paid our monthly payment to XXXX XXXX XXXX and in XXXX XXXX informed us the payment was late, We showed the bank the check where we had paid on time and they corrected and apoligised for the mix up. XXXX XXXX XXXX dose not report to Transunion and say they can not contact them to fix the problem, Transunion said they contacted XXXX XXXX XXXX and they verified the report, however XXXX states they did not contact them at all. I am sending the XXXX statement where XXXX XXXX corrected the problem. This faulty reporting is causing a financial for us due to the score lowering. Please help us to fix this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MD).
Issue: Taking out the loan or lease

Complaint: I only have XXXX account with wells fargo dealer services account # XXXX and I saw on my credit report for all XXXX reporting agencies, XXXX XXXX XXXX that well fargo dealers service is reporting another account number for the XXXX account that I have the other number is XXXX they changed the information on this account as though I have opened another account when I only have the XXXX with them, they changed the information of the opening date and the amount of payment when my payment was XXXX not XXXX their reporting a new account number for an account that should be closed, and that I had no knowledge about until I checked my credit report, and i called the company wells fargo dealer services, told me that it was the same account with another account number I said i 'm not aware of this and I was n't made aware of this new account and they are breaking the law again they should only be reporting the XXXX account XXXX that I know about. there already being sued for opening accounts that consumers are not aware of please correct my credit report with the account number that shows the account closed I only know about which is paid off there 's no need to add another account that I do n't know about when this account is closed and paid as agreed. the XXXX should not have been opened without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with John C. Heath, Attorney at Law, PLLC (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hi. about an year ago I had XXXX XXXX help me out with a issue for my XXXX   XXXX/XXXX. I opened that account about 3 years ago now. The first bill never came to my house. i tried to get into contact with XXXX but no answer. until 4 months later upated my info and paid the bill. i would like to see if you guys would be able to help me removing the late payment history. Even1 or 2 remarks would be very helpful. The last 2 years and 8 months I've paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (Other type of mortgage) with CMG MORTGAGE, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I am a resident of California. I had received notice from my mortgage company XXXX XXXX XXXX XXXX that my home was being foreclosed on with a sale date in XXXX. In XXXX of XXXX I applied for a loan modification for my home mortgage. CMG confirmed they received my loan modification package and postponed the sale date until XXXX XXXX, XXXX. Since applying for the modification I have contacted the XXXX XXXX on a regular basis : at least once a week, sometimes more and have provided all documents they requested. Currently no decision has been made on my account and they have not removed or postponed my sale date. I understand that a sale date held concurrent with a loan in the process of being reviewed for modification is illegal in California and called dual tracking. This dual tracking has continued throughout the processing and review of my my application and XXXX XXXX refuses to acknowledge that this is illegal and remove my sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for a modification in XX/XX/XXXX and have made all my payments on time. I got married after I got the mortgage so the name on the modification forms were incorrect and the notary the mortgage company would not notarize them. I had sent in all the documents to have them change my name on the loan, several times. As time passed I called several times asking for the corrected documents but never received them. Now the mortgage company is saying my modification was not approved and put my home back into foreclosure with a sale date of XX/XX/XXXX. The mortgage company told me last week to have a friend to notarize the documents with my maiden name and send them in and they will TRY to process them. Is there anything I can do at this time to stop the foreclosure. All my modification payments from XX/XX/XXXX to now have be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (FHA mortgage) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Capitol One Mortgage claims in XX/XX/XXXX FEMA notified them that my house was now in a flood zone. Told them my house had not moved nor had the river. They did a forced-placed insurance policy for {$3000.00} a year flood insurance, due to me not providing proof of flood insurance for XX/XX/XXXX they again forced-placed flood insurance and added the cost of XX/XX/XXXX and XX/XX/XXXX coverage to my monthly payment in XX/XX/XXXX. Which doubled my monthly mortgage payment. When inquired how they determined my house had managed to move itself into a flood zone they said FEMA notified them and gave FEMA 's XXXX number to inquire myself. I contacted FEMA, who advised that my home was NOT in a flood zone. They did n't understand how Capitol One would think I was. FEMA sent me their maps showing my residence was indeed in the " XXXX ''. Provided the maps to Capitol One who said the maps were n't enough proof, regardless of the fact that the map shows its from FEMA. The required a LOMA. Asked why I had to get an amendment since their was nothing to amend due to my house NOT moving into a flood zone. They did n't care they demanded a LOMA letter before they will consider removing the forced-placed flood insurance. The LOMA takes up to 60 days to get, I filed request on XXXX/XXXX/XXXX. 
The adjusted mortgage payment did n't start until XX/XX/XXXX, I made what I know to be my normal mortgage payment on time, they refuse to credit it to my mortgage because according to them it is n't the full payment. So they have my money and are just " holding it '' Well it 's my normal mortgage payment the part I have n't paid is their insurance payment. I have n't made " my normal '' payment for XX/XX/XXXX yet because I pay on the last day of the month and they are already threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Payday loan () with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Received a loan I didn't apply for

Complaint: They keep calling and harassing me and my extended family, bt never mail any proof of anything. Just keep saying they are going to arrest me and take me to court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: GOOD AFTERNOON, BOTH  XXXX  AND EXPERIAN CONTINUE TO REPORT A LATE PAYMENT ON MY CREDIT RPORT, WHICH IS INCORRECT. I HAVE MADE NUMEROUS ATTEMPTS TO PROVE THIS IS NOT ACCURATE AND THAT THEY SHOULD UPDATE MY INFIRMATION AND NOT VILATE THE FAIR CREDIT REPORTING ACT BY REPORTING INCORRECT INFORMATION. I HAVE MADE MANY ATTEMPTS AND FEEL THIS IS MY LAST RESORT, BEFORE FILING THIS COMPLAINT AND SEEKING DAMAGES IN SMALLS CLAIMS COURT.

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 04-08-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: The Identity Theft Assistance XXXX is a nonprofit dedicated to working with industry, law enforcement and government to help consumers prevent, detect and recover from identity theft. Founded in 2004, our mission was to put consumers and their experiences XXXX in the fight against identity fraud. 

I was a former customer of Bank Of America Corporation. Bank Of America Corporation closed my account after I was a victim of documented fraud. 

However, contrary to the XXXX policies and marketing material available via XXXX : XXXX Bank Of America Corporation refused to provide me with a referral to the Identity Theft Assistance Center.

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