milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an account listed on my credit report from Progressive Financial Services stating I owe a debt. I contacted this company stating the debt was not mine however it is still listed on my credit reports. They also sent me what was suppose to be debt validation info which was merely copies of info retrieved from unknown sources. The company must be willing and able to produce a document from their files that proves the account in dispute belong to me and the information being reported is accurate. Someone in their company must authenticate the documents in their files that were used to " verify '' the disputed account and to do this they must have 1st hand knowledge of the alleged account and all that has ever transpired for the alleged account. I have tried to resolve this with the collection agency and have been unsuccessful. 
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 01/13/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My wallet was stolen on XXXX XXXX 2016 with all my information social security, debit and credit cards, Drivers license. The perps have used my social to open credit card accounts under my name I 've reported the situation to the credit bureaus I 've placed a fraud alert and only transunion has deleted the fraudulent inquiries I 've had about XXXX inquiries since XXXX XXXX and XXXX account was opened. I 've reported this to the FTC and my local police I 'm a victim of identity fraud and I need help. The perpetrators address has been added to my own credit report as if it 's mine.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX XXXX, 2016 I submitted a dispute to verify the accuracy of the public record listed on my credit report. Per the FCRA 609 a ( 2 ), FCRA 611 - 15 U.S.C 1681i and FCRA 603. Equifax failed to comply with the FCRA requirements listed above. They only sent letter saying they verified the public record and never sent proof of the verification and the procedure of the verification process and never provided the name, address and phone number of the furnisher of the verification.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I could pick a few of the issues above. After numerous attempts to validate this debt I was never given a response. They called me from now fewer then XXXX different number at all times of the day and even called a place that I have n't worked at for years. After the constant harassment I contacted them to just get rid of this. After talking to numerous people on different occasions I was mislead to believe that this was to be deleted from my reports, that was my only reasoning on settling this debt that I have no verification of. So in good faith I came to a settlement to resolve this situation to just get rid of it. Now they refuse to follow through on their end. After XXXX ' of calls from them from different numbers I agreed to resolve this amicably only to be misled by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage that is paid up to date, actually I am paying an additional {$500.00} per month to pay it off early. Apparently my bank, Chase, has hired a company called XXXX, to collect on this mortgage even though it is paid current. XXXX has begun making collection calls against me. I called both Chase and XXXX but they refused to take my calls. I sent emails to both and they both refused to answer my messages. My loan is paid current with Chase as of XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Dear CFPB-I was served court documents by the above named Law Firm dated XXXX XXXX 2015. After following through filing and answering back to this Law Firm with proper legal documents. We have received more legal/letter documents dated XXXX XXXX. 2015, upon reading and reviewing all the documents, the Law Firm has erroneously and falsely indicated in these forms that I had acknowledge having legal counsel concerning my rights and stipulation concerning these forms. Also from previous phone conversations on XXXX XXXX. 2015, we had requested XXXX ( Law Firm Representative ) to please contact CitiBank that we are willing to settle the debt for half the amount if possible. We feel that she never attempted to contacted the Bank, other then admitting that the debt was reviewed and that our request is denied. I also feel that my rights as a consumer are being violated by this Law Firm forcefully wanting me sign their forms/documents. Please advise me of proper legal proceeding with this Law Firm. Thank you kindly for your assistance. 

Respectfully-XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because transunion has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. 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. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.

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 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/2016, I received a debt collection letter from Ability Recovery Services , LLC, in XXXX. The letter was addressed to a similar name to mine. However, there is no one residing with me ( and never has been anyone residing with me ) by the name on the letter. Through my work, I know that Identity Thieves do not always get the names correct and felt that I was a victim of Identity Theft. Therefore, I checked my credit report through XXXX and found that this debt collection had been reported to the Credit Bureaus. After contacting Ability Recovery Services ' client, XXXX XXXX, it was found that a person with a similar name to mine had enrolled, but the address was in XXXX, XXXX ( a PO box ). Also, there were no Social Security numbers associated with the XXXX XXXX account. 
My complaint is : 1 ) Ability Recovery Services reported this debt collection to my Credit without a Social Security number that would link this debt to me ; 2 ) this debt is not my debt ; 3 ) Ability Recovery Services degraded my Credit score, dropping my score from " XXXX '' to " XXXX '' ( XXXX points ) ; 4 ) as of this complaint, 5 ) Ability Recovery Services has not removed this from my Credit, which they advised me would occur by this date.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery Associates took a default judgment against me. I did not appear in the case because I was never served with the court papers. I tried to vacate the judgment several times, but was unable to follow through because I had been seriously injured in a mugging which has required several operations. Last summer, I received a notification from Portfolio Recovery Associates that they wanted to discontinue the court case and they included a stipulation to discontinue the action. I consulted with the attorney and she told me that since there was a judgment against me, the case has been disposed of and the only way to get the case discontinued is to vacate the judgment and then discontinue. I contacted PRA. They were very rude to me and refused to help. I then retained an attorney. She has written to them and phoned them and provided proof that there is a judgment so that they will change the language to reflect that the judgment is being vacated. After every contact, they just send her another form letter with the same form stipulation without the language vacating the judgment. I understand that PRA entered into a settlement agreement with the CFPB which is why they keep sending me the stipulations. When my lawyer has talked with them, they have told her they did not know there was a default judgment and asked her to give them proof but even after she faxed a copy of the judgment to them, they still keep sending back the same form stipulation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had been current with my mortgage payments with Bank of America since XXXX, up until early XXXX when, because of financial hardship, I was forced to stop making debt service payments. Before defaulting on my mortgage loan obligations, I approached Bank of America towards the end of XXXX to request assistance under the National Mortgage Settlement of XXXX. According to the settlement, every client who was current with their payments would be able to refinance. But instead of receiving any kind of assistance, Bank of America suddenly and abruptly sold the servicing rights to my mortgage loan to a company called XXXX XXXX XXXX. After this happened, I have not received any kind of assistance or any replies to my requests for assistance. In XXXX of XXXX, XXXX XXXX XXXX transferred the servicing rights to my mortgage loan back to Bank of America. To date, I have not received any responses to my requests for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home in XXXX of XXXX with XXXX as the lender, a XXXX and XXXX mortgage. The loans were refinanced with XXXX XXXX XXXX and paid in full in XXXX of XXXX. It was brought to my attention dealing with my current lender, XXXX, that XXXX never submitted the documents to release the liens. I contacted the title company and they provided payoff transmittals and checks to substantiate the payoff to XXXX. I contacted XXXX and sent the title policy, settlement statement, payoff transmittals and legal description to have the liens released. As instructed, that information was sent via USPS Certified Mail to PO Box XXXX, XXXX, FL XXXX and was received XXXX XXXX, XXXX. I received an auto generated letter from XXXX stating there was an error and the Lien Release process was initiated. Upon following up, one week later, I was told the loans were now being serviced by PHH Mortgage and that I needed to e-mail the information to their Lien Release Department at XXXXXXXXXXXX. I obliged and e-mailed all of the information on XXXX XXXX, XXXX. During my initial follow up one week later, the Customer Service Rep confirmed the loans were paid in full and that at this point it was a matter of having the Liens physically released. I have followed up with PHH Mortgage every week since sending over the documents only to be told that they do not have any additional information and that these issues take up to 30 days to process. Once the 30 days were exceeded the target then moved to " it can take up to 60 days to complete the Lien Release process ''. I have resubmitted the information to XXXX XXXX XXXX Ext. XXXX and XXXX XXXX, so it has been submitted to their company 3 times. I was also given a Supervisor 's name and number XXXX XXXX XXXX Ext. XXXX but she will not return any calls. Yesterday, 68 days into this process, I called their Customer Service Department and I was instructed to resend the information because he did not " see it in the system '', I had to tell him that I have submitted the information 3 times. I find it concerning that I have no accessible file in their system that would show the information was received or where it 's at in the process. We are now 69 days into this process and every time I call, no one can give me a status update or even really find my information. This is a simple matter of releasing XXXX old liens. I am very frustrated and seeking immediate resolution to this issue. This is not my fault, as these loans were paid-in-full with XXXX in XXXX and they did not follow through on their obligation to release the liens. This is causing problems for me dealing with my current lender as I can not produce a clear title to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MS).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: In a response to CFPB complaint # XXXX, Wells Fargo chose to use Consumer Account Agreement as an excuse for making unauthorized changes to my savings account. Account conversation deemed necessary for assistance to the customer is in the agreement and states WellsFargo can make changes if they help with consumer finance. 

Unfortunately, a year later WellsFargo returned {$760.00} in fees and admits to depositing a check from XXXX XXXX XXXX ( merchant returned funds for fraudulent purchases ) into the closed account without informing me. 
The report to CFPB only acknowledges a payment but claims the amount is more than {$800.00}. 

As you will see in my feedback, the check was actually for {$760.00} and accompanied by a letter telling me to feel free to cash the check at any Wells Fargo location or contact my " tax attorney ''. The previous day I got a letter from Regional Manager XXXX XXXX practically daring me to enter any branch. 

In short, a year after the fact, Wells Fargo admits merchant XXXX XXXX XXXX returned funds to my closed account due to fraudulent purchases. Even with this knowledge a year later WellsFargo refuses to admit that the trouble with my account started with the unauthorized account conversation that lead to the clear theft.

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 08/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get a phone call on my cell phone, almost every other day, from XXXX. My phone only rings once. I 've Googled the number and learned that they are a a debt collector. I have no outstanding debt. I have a credit score of XXXX. 
The XXXX call began XXXX XXXX, 2015. 
I want the calls stopped and any assistance you can provide would be very much appreciated. 
Sincerely, Frustrated

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are a couple medical debts listed which I do not owe. This information was confirmed with the actual collection agencies them self. The items still appear to be listed on my credit file and with balances. What happen to " Credit Bureaus offer relief to consumers with medical debt '' For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. 
The accounts in question areXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX and XXXX XXXX which is not a medical debt but a violation as I do not owe this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage servicing company does not mail me Form XXXX ( Mortgage Interest Statement ) as required annually in the last 3 years in order for me to file my tax returns. Every year, I called to get the information and they kept saying they required an authorization from my attorney. The loan is in Chapter XXXX and payments on the loan are being made by the trustee. The attorney 's office sent the required authorization letter for the servicer to provide me with this information. The servicer claimed that they send the information to my attorney, however, the attorney 's office said they did not have the information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 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: Information belongs to someone else

Complaint: To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the XXXX, and have contacted the attorney general office. 


XXXX XXXX XXXX Acct # XXXX EXPERIAN

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 07/13/2017 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: Old information reappears or never goes away

Complaint: My name is XXXX XXXX and I would like my situation investigated please. I have disputed a very old account over and over again that is appearing on my XXXX and Experian credit reports. Its been over 7 years that this XXXX account # XXXX ... has been inactive and paid and it is still showing false and incorrect information against me and its been ruining my score for so long now. I have contacted the bureaus individually and was not given any investigative results and also I 've contacted the company directly as well and was not given any forms of papers or validation to show me how and why this account is still appearing on my reports. <P/>I have repeatedly asked this account to be removed as it is defiling my credit report because violating FCRA law section 605. ( 15 U.S.C. SEC 1681c ) part ( a ) number ( 4 ) : it states " accounts placed for collection or charged to profit and loss which antedate the reports by more than seven years ''. <P/>XXXX 's does not even posses any paperwork with properly dated material that shows precisely when the last amount was paid and sent straight to profit and loss. This was in the very beginning of 2010 and both accounts have been re-aged, are inaccurate and make no sense compared to eachother. They both contain dates off by years and XXXX has been completely ignoring any of these discrepancies which I have been stating. There is no proof of dates or reasons and nothing was provided to me initially when I requested a proper investigation from XXXX, Experian and XXXX XXXX. Therefore this is outrageous and illegally reporting against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I opted into a new account feature called Categories whereby the bank was going to group my spending and savings history. However, they did not deliver on this promise. Instead, they caused unavailability to my account history information, including access to transactions over 30 days and all check images. When I called to get support, I was told that they were unaware that this " feature '' had been rolled out to consumers/customers and they had limited knowledge of the technology. Someone should be safeguarding the consumer so that financial institutions can not treat us as hamsters/guinea pigs to test out software or feature sets that have not had internal validation testing. I rely on this information for multiple reasons. Today, I was attempted to file my federal income taxes, and some of the payments I have made throughout the year help me validate my own records. Not having availability has significantly thwarted my efforts to file my federal income tax return timely.

Company response to consumer: Closed with explanation