milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am an attorney representing a client who was contacted about a debt he does not owe. On his own he disputed the debt, and the collector, Portfolio Recovery Associates, sent out documents that appear to be forged or altered. My client made XXXX other attempts to get verification. I filed a FDCPA complaint against PRA, including fraud for the fabricated documents. In the course of my research I discovered the Consent Order, 2015-CFPBXXXX which detailed many of PRA 's tactics. My case is : in the XXXX Michigan. XXXX of my investigators made contact with your agency when I was seeking support for a documents/forgery expert. I have not yet called the FBI for an investigation but I was interested in finding out if someone from your agency would be able to provide me with an affidavit regarding some of the deceptive practices PRA engages in. I also wanted to alert your agency as this may be a violation of the Consent Order. 
The information supplied is for me and/or my firm, except that I supplied the last XXXX digits to my client 's social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OK).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Chase bank is constant slow showing accurate account information and this has resulted in check fe es. Plus they have  an option to not allow debits if the money is not there and if the company represents itself as reoccurring they take it resulting in negative balance and will not block the transaction no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit card () with U.S. BANCORP (FL).
Issue: Advertising and marketing

Complaint: I COMPLAINED TO CFPB THAT I AM HAVING PROBLEMS WITHGETTING M Y $ XXXX BACK REWARD. I RECEIVED A LETTER FROM THE PRESIDENTOF THE COMPANY THAT MY ACCOUNT WOULD BE CREDITED AT THE END OF THE NEXT BILLING CYCLE ( XXXX XXXX. ) ICALLED THE CREDIT CARD COMPAN Y TODA Y AND THE REPRESENTATIVE SAID SHE COULD N'T CONFIRM AND SHE WOULD SWITCHME TO A SUPERVISOR. I WAITED ON HOLD FOR XXXX MINUTES AND THEN HUNGUP. I REQUEST IMMEDIATE PAYMENT OF THE MONEY I HAVE EARNED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit card () with WELLS FARGO & COMPANY (MT).
Issue: Overlimit fee

Complaint: I have totaled altogether XXXX in overdraft and transfer and interest fees for 1 month from XXXX XXXX Bank . This is like a loan sharking Bank and I am very concerned about the extra charges. Additionally, I have not received any bonus miles on my Credit Card in over 9 months and I find that confusing. I am unable to get XXXX the manager at XXXX XXXX in XXXX, Mt. to call me back and explain these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Investors Financial Services Group, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted XXXX XXXX and 1st Investors Financial SErvices about several inquiries that are on each one of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in XXXX XXXX getting ready to move the following month I had no need to be shopping for a car in Missouri, I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate of TEXAS I have the RIGHT to request VERIFICATION of how they received information. XXXX XXXX sent a letter back dated XX/XX/17 stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in XXXX XXXX Missouri. I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract XXXX to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing my credit score to decrease and I want these inquires removed from all there reporting agencies immediately.

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 01/25/2018 about Mortgage (VA mortgage) with NEW DAY FINANCIAL, LLC (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX, I submitted a request to XXXX XXXX to refinance my current mortgage, and combine it with my 2nd mortgage. On XX/XX/XXXX,  I received an email from XXXX XXXX containing a list of documents required. On XX/XX/XXXX, I sent all the documents he asked for via email. I had already received a XXXX   package at my home address. It contained documents my husband and I needed to sign and send back. So, on XX/XX/XXXX, I talked to XXXX XXXX and he told me which documents needed to be signed. On XX/XX/XXXX, I scanned and emailed all the documents he asked me to sign and send. He confirmed receipt of these documents in a phone call and told me an appraiser would be calling. On XX/XX/XXXX, I emailed XXXX XXXX asking about the appraiser since I had yet to receive a phone call. In that email I mentioned I was getting repeated XXXX area code phone calls, but they never left a message. I asked if he thought that was them. He emailed back stating that number was him and could I please call him. I immediately called him ( same day ) and he informed me that he had made a mistake. He had thought I lived in XXXX County, but he now is noting it XXXX County. He asked me to verify this, which I did. He then said he was very sorry, but XXXX XXXX does not have an office in XXXX County, only XXXX County, so XXXX   XXXX could not do business in XXXX Co., thus could not service my loan. I am extremely suspicious of this response and can find no evidence on their website or anywhere else to verify this. Please provide assistance with this matter so I am able to understand why I had to go through all the work I did, wait well over a week to know this information. He called repeatedly using that XXXX area code, but never left a message, even a quick " call me back ''. It was outrageous. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by Linebarger Goggan Blair & Sampson , LLP numerous times to collect debt for an XXXX violation. This violation was paid on XXXX XXXX, 2016 through the NY XXXX website. The last notice to collect this debt was sent to me on XXXX XXXX, 2016. I tried to contact them by e-mail and phone to resolve this issue and got no response. 

I would appreciate if you could please investigate this further. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Other debt) with AFNI INC. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: To Who m It May Conce rn, I am filing this complaint because of unfair consumer rights. I have been disputing the amount of my  XXXX  bill final amount due every since I completed my 2 year contract. I no longer wanted to use their service and sent them all of there equipment. This amount of {$120.00} has been in collections fo r 2 1/2 ye ars. I contacted AFNI Collections to settle the account because they sent me an offer that if I paid {$62.00}, which is half of the claimed {$120.00}, that  XXXX   XXXX  said that I owed. So, I agreed to pay the {$62.00}  ( C heck  XXXX  dated  XXXX   XXXX ,   XXXX   ). Now that I have contacted both  XXXX   XXXX  and AFNI Collections to have this moved off my credit report and to have it reflected as paid, both companies are giving me the run around on who owns the account and who should have received the payment. But, I was told by the collections com pany AFNI to send   payment to  XXXX  because they could not receive money directly, but they could make the agreement to make a settlement offer because they worked for  XXXX   XXXX . I have paid the agreement that the company that was listed on my credit report had offered to settle this. I need to get this resolved. As you can see on the check that I paid, it lists both companies on the check. Now  XXXX  has another collections company trying to collect another {$62.00}.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , AR  XXXX   XXXX  XXXX  XXXX   (   XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I originally disputed a bill with XXXX XXXX. I refused to pay it. They would not settle same with me and they sent it over to another division called XXXX, which, appears to be their in-house collection agency. The last payment to XXXX was XXXX XXXX. The credit report says the debt is owed to XXXX and the debt commenced in XXXX XXXX ( probably the date XXXX received it ). As a result, a six or seven year old debt has been updated to one that is one or two years old. The statute of limitations in New Jersey is 6 years. The debt is not collectable. But, my credit is being damaged. I tried to resolve it with Experian about a year ago. I believe, however, I did not mention the discrepancy on the dates. I challenged the legitimacy of the charge. Experian answered, in due time, and ruled in favor of XXXX. When I noticed recently that the dates were wrong, I filed a complaint again with Experian. They cited rule 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, saying that they do n't have to deal with a second challenge. I sent it all back to them again today by certified mail, giving them the same information and telling them that they were still liable because they were promulgating incorrect information about 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 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Machol & Johannes, LLC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I am so sorry to have to contact you again, but I am having an issue again with the debt collector MACHOL & JOHANNES, XXXX XXXX XXXX, XXXX XXXX, XXXX CO XXXX. XX/XX/2015, you assisted me in reaching settlement with this debt collector. 

At that time, I informed XXXX XXXX XXXX, that I could give them {$4000.00} to clear this debt and remove the lien from my home. XXXX XXXX spoke with his supervisor and was told they would only accept {$7000.00} to clear this debt and remove the lien. I did n't have that amount so I settled for payments of {$100.00} a month, beginning XXXX XXXX, 2015, with no interest being charged. I have never missed a payment. 

On Friday, XXXX XXXX, 2015, I called XXXX XXXX XXXX at ( XXXX ) XXXX, and informed him that I now had {$6000.00} to be used to clear this debt and release the lien on my home. I told XXXX XXXX that his supervisor wanted {$7000.00}, but I asked XXXX XXXX to ask his supervisor if he would accept the {$6000.00}. XXXX XXXX said he would speak to his supervisor and would call me back, and could he leave a message if I did n't answer. 

I did not hear anything from XXXX XXXX, so on Tuesday, XXXX XXXX, 2015, I called XXXX XXXX and left a detailed message for him to call me back with an answer regarding the {$6000.00}. 

I got no response, so on Thursday, XXXX XXXX, 2015, I again called XXXX XXXX and left another message for him to call me back regarding the {$6000.00} to clear the debt and release the lien from my home. 

As of today, XXXX XXXX, 2015, I have not had a response from XXXX XXXX by with a phone call, message, or by any written communication. All I want, is to know whether or not they will accept the {$6000.00} to clear my debt and release the lien on my home. How hard is it to answer that question? 

Thank you in advance for any assistance that you can give me in this matter as I ca n't seem to get any type of response from this debt collector. /XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Other mortgage) with AMERICAN FINANCIAL NETWORK INC. (AZ).
Issue: Application, originator, mortgage broker

Complaint: Trying to refinance our home through American Financial Network INC, XXXX # XXXX. We were told we qualified for a VA Loan, my husband is retired. We were told we had to have an VA Appraisal, which we did for {$400.00}. Then we were told that we could not get a VA Loan and that we had to get a conventional appraisal, which we did for {$600.00}. We were told that we would get that money back once we refinanced. Then we were told that we did n't qualify for a conventional loan and they could n't help us. I asked for my appraisals which took me two weeks to get and now I found out that no other bank will take the appraisals, so we are out {$1000.00} for appraisals. I want American Financial Network INC, to pay me back my {$1000.00} because they should have NEVER asked us to get appraisals until they were certain we had qualified. Please help me get back my {$1000.00}. My account/file number with American Financial Network, INC is XXXX, Loan Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: AFFIDAVIT I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. 

My name is : XXXX XXXX XXXX File Number : XXXX ( XXXX XXXX ) Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX , XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX  XXXX, OH 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 non-monetary relief
Consumer complaint received 11/27/2016 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: APR or interest rate

Complaint: I haver requested on numerous occasions an interest reduction from Nordstrom Card which I believe is owned by TD Bank. Each time I have requested I am given another excuse as to why I can not be done as previously requested. I was told that " systems were down '' call us back in 30 days and we will lower it, make on time payments for 6 month and it will automatically be reduced. In my most recent discussion with a senior supervisor from Customer Service I was once again denied. I requested a full transcript from the conversation and was promised I would receive but again I was lied to. The ridiculous interest rate 0f nearly 29 % has prevented me from ever paying off this debt, even worse has caused me to fall behind in other areas. Nordstrom Card is avoiding this issue as they know that they are wrong. Please help me recover the extraordinary fees I have been charged. This bank is ripping many off in the same way I am sure.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (I do not know) with The CBE Group, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CBE Group is harassing me with continued phone calls twice a day or more. I do not owe any debts to anyone. they continue to call. I have called them and they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I got a mortgage having to put it under an LLC with XXXX who turned out was not licensed but the loan was a XXXX supposedly it was XXXX then XXXX then XXXX then XXXX XXXX who said they were not the mortgage holder. anyway I built a new building and got XXXX ' on on my LLCs property XXXX foreclosed and took my property purchased by XXXX XXXX XXXX I found out XXXX was owned by the loss mitigation director XXXX XXXX and Ocwen Financial Services which is conflict now they are trying to take my new building claiming they own the XXXX ' even though the deed is in my name. they signed the sale as purchaser XXXX XXXX XXXX VP a XXXX employee then assigned it to themselves from XXXX XXXX VP of XXXX I learned Ocwen Financial services was the straw buyer from a XXXX investigator these are all top officials who have been stealing property

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Unsolicited issuance of credit card

Complaint: I received a letter today, dated XXXX XXXX, 2016, from Chase bank saying that I had applied for an Amazon.com visa signature credit card. This is totally incorrect and someone is trying to fraudulently apply for a credit card in my name. I would like Chase bank to investigate how this happened, and REMOVE this request from my credit history immediately, as I wish to apply for a loan from another bank. 

I would like a confirmation email that this request has been complied with.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Credit card) with BAM Financial, LLC (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: West & Associates, a company in XXXX, California posing as a collecting agency for XXXX, collected money I owed XXXX bank but did not pay this money to XXXX bank. XXXX bank denied West & Associates was their collecting agency.

Company response to consumer: Untimely response
Consumer complaint received 01-10-2017 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: EXPERIAN WILL NOT STOP ISSUING FRAUD ALERTS AND SECURITY ALERTS. I HAVE HAD TO CALL ALL XXXX AGENCIES AS WELL AS SMALLER ONES TO GET THIS CORRECTED BEFORE MY CREDIT EVEN GETS A CHANCE TO RECOVER FROM THEM THEY ISSUE ANOTHER AND ANOTHER- I DO NOT KNOW WHAT TO DO ANYMORE- I HAVE CONTACTED CORPORATE EXPERIAN I AM DISPUTING YOU! YOU ARE ISSUING FRAUD ALERTS OVER AND OVER ISPOKE WITH XXXX FROM EXPERIAN AND WAS ASSURED ALL WAS OK- NOW I HAVE XXXX TELLING ME YOU ISSUED A FRAUD ALERT AGAIN AND SO NOW THEY ARE TOO- DO YOU SEE THE VICIOUS CIRCLE YOU HAVE ME IN? SHE CALLED FROM XXXX AND AT XXXX THROUGH THE XXXX NUMBER I WAS LEFT A MESSAGE AND SHE HELPED ME HOWEVER I HAD TO SEND COMPLAINTS TO MANY MANY INDIVIDUALS BEFORE SHE CALLED. SHE HELPED AND BEFORE IT COULD CLEAR FROM CREDITORS SEEING IT THEY ISSUE ANOTHER XXXX. THIS HAS GOT TO STOP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2016 about Consumer Loan (Installment loan) with Enova International, Inc. (ID).
Issue: Managing the loan or lease

Complaint: I notified, through email, NetCredit that I was a XXXX, received XXXX, and that I requested relief under the SCRA from the date of notification. There was no follow up, so I called after they debited my account almost a month later with no adjustment. On the phone, XXXX XXXX, the agent refused to reduce the rate until my report date, I told them to refer to USC 50 section 516, and was told there would be follow up within 24-48 hours, and it 's now XX/XX/XXXX with no follow up.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: Dear Sir / Madam, I understand that you had responded to the XXXX complaint, XXXX that was filed on my behalf by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, saying that you need my authorization in order to provide a response. I hereby authorize you to respond to XXXX XXXX XXXX XXXX XXXX  complaint XXXX. It is critical for me that you provide a response to unauthorized release of temporary security pin online. The very reason for a security pin is to protect myself from identity theft, however, it appears that in this instance a trivial pin was released online by Experian. I trust that you would now be able to respond to XXXX XXXX XXXX 's aforementioned XXXX complaint with this authorization. Best Regards, 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 non-monetary relief