milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Debt collection (Credit card) with Financial Credit Service, Inc. (MS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was called by ARA,  XXXX , IL reference an account I paid off in   XXXX  . They threaten to sue me for an amount I did not owe in the first place. They indicated I owed {$2500.00} when the amount owed at the time was {$750.00}. I checked my credit report and the account referenced or amount was not listed my report. Can you assist?    XXXX  phone number is  (   XXXX   )   XXXX . I am resident of the  State  of Mississippi.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Executive Financial Consultants, Inc (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have no medical bills with this company. This clearly belongs to someone else. Both my birthday, and SSN have been erroneously reported via XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Medical) with Receivable Management Group, Inc. (GA) (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a statement from XXXX dated XXXX/XXXX/2016 on an amount due for {$57.00} and payment made on XXXX/XXXX/2016 ( check # XXXX ) for the amount due of {$57.00}. On XXXX/XXXX/2016 received a collection notice from a company called Receivable Management Group , Inc. This company claimed that they received money from our insurance company ( XXXX ) and that we owed a debt of {$62.00} on this bill from XXXX. I owe {$0.00} to Access Radiology so I do not understand where this collection agency obtained this information. Also, if I check and this has been reported on my credit report, I will file legal action against this debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (FHA mortgage) with INVESTORS BANK (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Investors bank has increased my monthly payment from {$1300.00} to {$1800.00}. Calls to the bank were not returned although representative promised they would call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, therefore, I could n't be the one to incur charges under the Capital One account. I am a victim of Identity Theft. Please remove these charges on my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My X wife attended the XXXX XXXX in XXXX XXXX. When we divorced we made an agreement in the divorce decree that she would pay her loans. It has been several years since the divorce. I am now remarrying and it is very hard to explain to my fiancee why I have a divorce decree stating I am free of paying the student loans, bit it still shows on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove a negative account, XXXX XXXX XXXX from my credit report OR to verify that the debt belonged to me and to send me the name, address and phone number of the person that verified the debt. I wanted them to obtain physical proof. The dispute result came back as " updated and verified ''. In addition, XXXX has allowed this company to raise the balance owed on more than one occasion. I have NO open account with this company and yet, XXXX keeps allowing them to raise the balance. I am desperately trying to buy a home and this is keeping me from that goal.

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 10-04-2016 about Credit card () with JPMORGAN CHASE & CO. (PR).
Issue: Billing disputes

Complaint: This is my second complaint, as Chase is no longer responding. 
I cancelled my credit card on XXXX XXXX by phone and authorized the representative to debit my checking account with my bank to pay off the balance to close the account. I have a confirmation number from XXXX XXXX, XXXX. 

Chase made payments to the debit of my credit card account on that same day, without my knowledge. 
Late XXXX, I received a letter from Chase claiming that I owed them those payments, interest and late fees, even though I had no longer been receiving bills from them. 
I do n't work at Chase, neither do I know their internal processes, nor is it my business. To my knowledge and reasonable assumption, Chase and I were no longer bound in any way when the representative confirmed that the account was closed with my call and payment. 
At first, Chase recognized the fact that I did indeed make the payment when I had called to cancel the card and close the account. 
Their letter dated XXXX XXXX, XXXX, now claims that there was a balance pending and that the account was still active, even though I have a confirmation number to prove the contrary. 
I had accepted the card when making a purchase on Amazon in XXXX, around XXXX. The card was supposed to be free of any fees. However, I was charged a fee for using the card for that purchase. I made another purchase in XXXX XXXX and was charged a fee for that also. 
If for some internal reason there is a delay in the process, as a client, I have no knowledge of it, and was not informed of any such delay. It was confirmed to me over the phone that the account was closed and therefore inactive, and that my payment cancelled all debt towards them. 

My original objection was focused on those fees and interest. I was willing to pay the principle, but they rigidly refused and the situation has been in dispute ever since. 
I made them another offer to pay the principle in XXXX XXXX, which they also refused, unwilling to negotiate a reasonable outcome. 
As a client, I can not be expected to know the internal functioning of any bank, value dates etc, less so when it confirms that we are no longer bound. 
I hereby request from Chase a detailed account statement of all transactions from the first purchase which was concluded on XXXX in XXXX. And also, a justification for the fees charged for the purchases made with the card. 
As they have put a claim on me, it is legitimate for me to request the details that substantiate the claim. 
I have shown good faith and goodwill. I have made two offers that Chase chose to turn down. It claims no responsibility whatsoever, even though they did not send me bills in due time, once again due to internal processes within their credit card department, for which I can not be held responsible. 
I hereby offer once more to settle the principle and request from Chase details of transactions and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XX/XX/2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On  XXXX   XXXX ,   XXXX  , my account ending  XXXX  was placed on an account restricted status without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Credit card debt) with DISCOVER BANK (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX - I find on my credit report derogatory information from Discover Card that does not belong to me. I dispute this information through the Credit Bureaus, XXXX concedes it should not be reported, and the tradeline is removed from my credit report. 

XXXX XXXX - CFPB XXXX XXXX. XXXX & XXXX - I received a creditor 's garnishment in a paycheck and a letter advising of such. This is from XXXX XXXX XXXX XXXX, by way of a debt from Discover Card. After attempting to remedy this over the phone with XXXX, and advise of the history with XXXX XXXX above XXXX, and getting nowhere ( as I was simply told my information would be passed along ), I file a complaint through the CFPB, disputing the debt further. 

XXXX defers to XXXX who in turn pass along a judgment for a debt owed, as well as Collections Notices and statements showing past due amounts owed. All of these were mailed to an address that I did not reside at during anytime in my adult life. 

As a result of the documents XXXX forwarded, I requested a copy of any originating paperwork, as I 'm now concerned ( confident? ) that this account was opened in my name without my authorization. ( Of course, I had no recourse to dispute it outside of the XXXX XXXX credit bureau dispute - though since it was corrected rather immediately, I was under the impression it was a straightforward error at that time. ) The only information XXXX XXXX XXXX have provide with regard to the origination of this debt, was a statement saying, essentially, " Well we have your information on file. So clearly you opened this account. " ; given the environment in the financial industry, particularly around sales practice fraud and misconduct ( i.e. XXXX XXXX XXXX, this statement/insinuation is irresponsible at best and indicative of a larger problem with XXXX at worst. 

After this, the funds deducted from my paycheck were returned to me, as expected. And I did n't hear form XXXX or XXXX again. Until this month. 

XXXX XXXX - I received a letter from XXXX, again advising that I owed this debt, and that they would be pursuing the funds by way of the judgment I referenced earlier. XXXX months after I was under the impression this was corrected or fixed for the second time. XXXX years after I was under the impression this was fixed the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   XXXX   XXXX  HARD INQUIRY- XXXX  I called TransUnion on  XXXX / XXXX /  XXXX   and the Customer Service would not help me remove this inquiry even though its not supposed to be on there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 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: Old information reappears or never goes away

Complaint: All  XXXX  credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.

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 03/14/2018 about Debt collection (Other debt) with Enova International, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls my cell phone 2 times a day and my work number once a day and they also send emails - it never stops. I told them that I mailed my first payment to the address on the CONTRACT, which I signed and they told me it was not the correct address and harassed me to pay over the phone - the address is indeed the address where their call center and headquarters are located and the only address on the contract. 

This company is a loan company that lent me {$3700.00} which I needed for my husband 's funeral expenses. Then the first payment was due in less than one month from the funding date and they tried to draft that amount from my account without my permission. Which caused overdrafts in my account.

I repeatedly told them never draft the funds from my account- I will mail a check and not to call me at work or on my cell phone because I am working and I told at least 7 different people the address and amount of the payment I mailed and they would NOT stop calling me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Trouble during payment process

Complaint: Quicken loans went up on my mortgage payment from {$680.00} to {$860.00} due to taxes and insurance escrow account. Is n't there a certain percentage that they can do this. This seems very unfair. This is a {$170.00} increase. I was already struggling to pay the XXXX due to income loss. I feel like they should have made increases amounts over a certain period of time. I am not happy to get an increase after refinancing with them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: WELLS FARGO seeks to enforce a debt which is barred by the four ( 4 ) year XXXX Statute of Limitations, is unenforceable and illegal for collection. I have hired a XXXX Private Investigator to determine if any filing or judgment exists in the State of XXXX or XXXX. None has been found. 

The debt is not mine. THE CLAIM IS MADE AGAINST THE NAME OF XXXX, but it has come to my mailing address in the past.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Credit decision / Underwriting

Complaint: Credit report shows zero balance for PHH Mortgage Service Center in New Jersey. In reality, we owe well over {$400000.00}. The credit report also shows that we have not made any payments, in reality we have paid our mortgage in full every month. This erroneous information is preventing us from refinancing our current mortgage. We are told by PHH that there is no one to speak to regarding this problem, all correspondence must be done through fax. We did file for Chapter XXXX XX/XX/2010. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Credit card debt) with Atlantic Credit & Finance, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A company named Atlantic Credit and Finance Called me from an unknown number today X/XX/2017 at XXXX Pacific time. The call lasted about 16 minutes. After asking the repeatedly at least 10 times during that call if I could have their address so I can send my via Money they continued to harrass me after I told that financial hardship is the reason my account went into collections. They wanted to know how, why, when, where and what exactly happened. After repeatedly telling them that I was n't giving them my life and if I could the address and kept asking me what was having their address gon na do for me. They have some shady phone tactics and it made me feel very uncomfortable with them having my information and not wanting me to pay what I could afford on the account that they purchased from XXXX XXXX XXXX. The two employees that were harassing me names are XXXX and 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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This was previously disputed and Transunion failed to address this to the CFPB in the last dispute.     I am signed up for Transunions credit monitoring for  XXXX  a month. As part of their package, you are allowed to " freeze '' your credit report. I however am not able to freeze my report. It tells me there is an error. I call customer service to be told that they can not even freeze my report and they will get a technical team to look into this. As a result, i have over  XXXX  inquiries on my report. If transunion can not stop the inquiries from coming in from unknown sources, then how am i supposed to? I PAY them for a service that they can not even provide. This is the  6th tim e I have asked for help on this. The inquiries are NOT AUTHORIZED and should be REMOVED ASAP. This is the last time i will attempt to dispute these inquiries. Next time I have to ask, i WILL hire an attorney. It is NOT my responsibility to make sure that Transunions credit freeze works it is theirs. Why should i penalized? I have tried so many times to freeze my report and they will not do it. I need a refund back of my  XXXX  for each month they have been unable to freeze it which would be about 7 months now.

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 07/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment XX/XX/2015 for a XX/XX/XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old XXXX couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}.

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
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquiries that I dont recognize, Or that I did not apply for please remove these from my credit file for they was not authorized thanks

Company response to consumer: Closed with explanation