milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Afni Inc is reporting on all XXXX of my credit reports as a paid collection. I paid the outstanding balance of {$460.00} directly on the orginal creditor website which was XXXX XXXX. XXXX is not reporting the debt to the credit bureaus. Since I am current with the orginal creditor and they are not reporting to the credit burreaus ; I do not understand how the collection agency who did not collect the funds from me can report this as a paid collection. 
I have tried to correct this by disputes on my XXXX credit reports. I also filed a better business Bureau compliant. All responses from Afni indicated this will stay on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit card () with JPMORGAN CHASE & CO. (MO).
Issue: Credit line increase/decrease

Complaint: Earlier this month I contacted Chase through my/their credit card card web site and initiated a request for a credit line increase on XXXX of the XXXX I have through them. After some back/forth correspondence through the site, I was advised I was approved for the XXXX increase requested and would receive a formal letter latter documenting the approval. 

Well when I got their letter I was then informed though the XXXX increase was effected on the XXXX card ..., they were reducing the credit line on another by XXXX. Essentially not providing me any increase collectively on the cards. 

I contacted them by telephone and spoke w/ XXXX different people and requested they restore the XXXX reduction they took from a card not part of my beginning correspondence w/ them. They refused ...., yet suggested I could go back to what it all had been previously. I told them that was not a satisfactory resolution. 

Per their behavior, do I have a basis in any of the consumer laws to file a complaint against them and seek redress?

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 09-05-2015 about Debt collection (I do not know) with CREDICO. INC (SD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notice from this company informing me they were unable to verify the debt and that it would be removed from the credit bureaus along with the judgment to be removed as well. The collection account was removed from all 3 bureaus. However, only XXXX removed the judgment, and I had to contact them to do so. Either this company did not comply, or XXXX and XXXX did not.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Struggling to pay mortgage

Complaint: To whom this may concern, my name is XXXX XXXX. My girlfriend, XXXX XXXX and I live in XXXX, NC. 
We have a Sale Date on our house on XX/XX/XXXX. 
We have been going round & round with Nationstar Mortgage ; who has turned into XXXX XXXX XXXX, since XX/XX/XXXX. We tried repeatedly to get a mortgage modification for months and finally received one in XX/XX/XXXX. We made our 1st payment on the modification and 2 days before our 2nd payment was due, we received a letter stating that there was a signature missing on one of the pages. They were going to send me the page that hadnt been signed and told me not to make our 2nd mod.  payment until the error was corrected. That is where the nightmare with them started all over again. 
I continue to have the same problems & issues with Mr. Cooper as I always did with Nationstar. I have sent 2 ( two ) complete RMA Packages to them and its always the same old thing ; didnt receive, pages missing, can you resend, etc. 1024.41 ( b ) Receipt of Loss Mitigation application - A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. 
They have now scheduled a notice of sale for XX/XX/XXXX. We have done everything over & over to try and avoid this from happening again but they seeming are steering our property into foreclosure for what I feel is their own monetary gain and total disregard for us losing our home that we love. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) XXXX Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to protect mortgage borrowers from costly surprises and runarounds by their servicers. 
How is it that we are in foreclosure again when we have been sending and resending paperwork in to get the modification reinstated that got off track because of one missing signature? XXXX ( g ) Dual Tracking is prohibited. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure. CFPBs mortgage servicing rules ensure that borrowers in trouble get a fair process to avoid foreclosure, borrowers shouldnt be surprised by the start of a foreclosure proceeding until they have had time to explore all available options. 
They now tell me there is nothing they can do to postpone the sale date or modify the loan. Mr. Cooper Mortgage continues to violate the Dodd-Frank Consumer Protection Act. They have dual-tracked my mortgage while avoiding an opportunity to work out something rather than foreclosure on us. 
Please help us postpone the sale date of XX/XX/XXXX.  We would be devastated if they were allowed to foreclose on this property. PLEASE HELP!!! 
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX admits in the attached letter that it has no evidence of any agreement with me, nor any sales receipts, nor any billing statements. It is using a spreadsheet underlying what it reports as 'verification ' of what it reports. At some point the burden has to shift to TransUnion that must realize if a creditor can not back up that an account belongs to a consumer, it must be deleted.

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 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (ID).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have recently discovered that XXXX XXXX has reported a delinquent account to my credit report in the amount of {$250.00} in which they state on my report that they are the original creditor and that the account was opened XX/XX/XXXX. There was no such account opened in XX/XX/XXXX. The original creditor was XXXX ( and XXXX is no longer in business ) in which the account was sent to collections in XX/XX/XXXX by XXXX. XXXX XXXX failed to have ever send me a debt validation notice 15 U.S.C. 1692g They have further falsified information on my credit report stating that they are the original creditor and that the account was opened in XX/XX/XXXX, this is simply not true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (WA).
Issue: Managing the loan or lease

Complaint: I had sent Kia Financial information about my account and a bank mistake as they reported me late. After sending information to Kia, now they show me as being 2 month late

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (PA).
Issue: Was approved for a loan, but didn't receive the money

Complaint: I 'm not sure if this is where I make this type of complaint, however, I have been receiving calls threatening me with a lawsuit that I received an online payday loan and never paid it back. I never received the loan at the time and this was 6 years ago. I applied for a loan online, but decided not to accept the terms. I canceled it, but my account was still debited {$99.00}. I went to my bank and they reversed the transaction and issued a new checking account to me. A few years ago, I received threatening calls stating a similar scenario that Legal action was being taken against me for non-payment of a payday loan that turned out to be a scam. During the current call I received, the representative stated to me my full social security number, phone number, birth date, and address. I am afraid I will be a victim of identity theft because after I accused the representative of being a scam artist, he became hostile stating " good luck in court, you 're going to jail. Just wait and see what happens. '' Please let me know what I can do about this!

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit card () with Army and Air Force Exchange Service (TX).
Issue: Delinquent account

Complaint: My account was set up on autopay for AAFES. The balance to be taken out my bank account each month was XXXX. My account was 30 days past due for XXXX and was still set up on autopay. AAFES never drafted the funds from my account to pay my bill. According to their terms and conditions, we agree for them to call us regarding our account. I never once received a phone call, an email, or paper statement that my account was past due. This has negatively impacted my credit score for {$28.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I discovered that there were two collection accounts reporting on my credit reports that did not belong to me. I was never notified about the accounts prior to the accounts reporting. I have filed a complaint against the collection agency and their response was that they would remove the accounts. The accounts were never removed from my credit reports and is still reporting to this day. The accounts do not belong to me and is the product of identity theft. It is very dishonest for the company to say that they were going to remove the accounts and not have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage fraud - appraisal fraud - responses that are lies and CFPB that does absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: My spouse applied for a credit card w ith Citibank.  She received the account, and used it twice. Days later the account was closed. We received a letter asking that she complete Form  XXXX , attach a copy of the front and back of her social security card and a copy of the letter they sent. They did not explain why they were asking for a copy of the social security card. They stated that she is required to use their special form  XXXX . We instead print a copy of  XXXX   XXXX  from the  XXXX  website and attached it with the social security card and a copy of their letter. When speaking with the fraud department they would not give the full name of the individual I spoke with. Nor would they give me the phone number of full name of their managers. What I do not understand is why are they asking for the social security card? I have applied for many cards, and I was never asked for the card. My wife has a  XXXX  FICO score. The would not provide any detail as to why she is being required to supply her SSA card. Nor would they provide names and phone number to someone that can explain the reason she is being denied. Is she being denied because she is a female  XXXX ? I have never used this reasoning before, lack of providing a reasonable explanation is discriminatory. They change their story each time we spoke to someone on the phone, but what cause me to file this compliant. is they chose not to give an explanation, and then they say some nebulous person made the decision and we have no right to have it explained to us. We are going to send by FAX the exact document they asked for, but if they are doing this to my wife, how many more  XXXX  women are they treating in the same manner? One of their employees had the nerve to say that we asked to cancel the credit card application. I asked for a copy of the recording that will show that my wife or I stated such a thing.

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 07-05-2017 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For the second time in the last two years XXXX XXXX XXXX XXXX has set my property for sale and engaged in egregious collection tactics. After the first time approximately one year ago, I sent this organization a cease and desist on the basis that XXXX XXXX XXXX have provided them with misrepresentations to give them the power of engaging in this action. I believe at that time that XXXX XXXX XXXX XXXX did the right thing and discontinued their harassment of me knowing that they had no legal basis to do so. XXXX has provided continual fraudulent documentation and misleading statements to XXXX XXXX XXXX XXXX in an effort to extort monies from me to which they are not entitled. There is no chain of title that is not clouded despite the efforts of XXXX to file fraudulent documents with the County recorder 's office. I am currently attempting to resolve the situation with XXXX XXXX XXXX XXXX to no avail. They continue to pretend that the documents provided are legitimate knowing that my intent will be to file lawsuits against them either pre-or post-foreclosure. This brazen disregard for the law should not be tolerated and XXXX XXXX XXXX XXXX should stop aiding and abetting a company that is having lawsuits filed in court every day, many of which are demonstrating that XXXX has a pattern of falsifying documents. Lastly, all of these perpetrators are relying on a pass through account as their basis for legal rights regarding my loan. I have proven to all of them time and time again that my loan has nothing to do with the XXXX XXXX pass through account to which they refer. Even XXXX XXXX has refused to offer any type of support to these criminal organizations to support their actions. On the contrary, XXXX XXXX requested in a directive to all " servicers '' to stop. However XXXX and quality are intent on making as much money as they can off of this chaotic situation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I  XXXX   XXXX  hereby file this complaint against a medical debt collector that is not abiding to the Consumer Financial Protection Bureau mandate and settlement with  XXXX ,  XXXX  and  Trans Union  respectively. The attache d medical collections we re instantly filed by  XXXX ,  XXXX ,  XXXX   XXXX   XXXX , a law firm located in the state of New York that specializes in medical debt collections. By this attached mandate, the medical debt collection process is supposed to operate as follows  : 1 ) The consumer is to be billed by the medical collector, giving a 30-day time frame to pay the medic al invoice directly, or to ensure that his/her medical insurance provider is to satisfy the claim in question.     2 ) If the claim is not satisfied by these criteria, the debt can be assigned to a medical debt collector.
3 ) The medical debt collector must submit a 180-day notice that if the medical debt ( s ) are not satisfied, either through medical insurance or directly from the consumer, then the medical debt collector has the right report any or all collections previously ordered paid.     In the events of the aforementioned law center, none of the mentioned methods were used, and my credit was tarnished through the violations against me of the CFPB mandate and settlement with the major credit bureaus, but these collection violations are connected to my rights under the Fair Debt Collection Practices Act. My understanding is that there are currently multiple complaints against the law center of  XXXX   XXXX   XXXX   XXXX   XXXX  for a continuous illegal collection practic e ( s ) ag ainst consumers without any consideration of the law.   An additional complaint will be filed with the state of New York Office of Attorney General through my attorney in due course if the CFPB can not rectify this serious series of violations.   My information and all aspects of previous collection postings with all pertinent credit reporting agencies must be purged immediately, and the CFPB must file an additional investigative process with the Federal Trade Commission to sanction the law center of  XXXX   XXXX   XXXX   XXXX   XXXX  along with a permanent injunction against same from this continuous abusive practice.

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 12/24/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Privacy

Complaint: BANK 'S PROCEDURE WHEN ACCEPTING CREDIT CARD PAYMENT. This past week I went to my local Citibank located on XXXX in XXXX, NY in order to make a payment on my Citibank MasterCard. I gave 2 checks to the teller without any problem which were drawn from two accounts I have from another bank. I then gave her cash. At that point, she asked for my ID and asked for my occupation. I was told by the teller that this is Citibank 's procedure for taking cash for any payment. When I questioned the bank manager about the inquiry into my occupation ( I, by the way, have none since I am retired ) I was told that I could avoid the questions by either using the ATM or opening a checking account with them. I told the manager that I wanted the personal service of taking my payment ( s ) and of receiving the receipt. She told me that there was nothing she could do about it. We parted agreeing to disagree. 
QUESTION : Is it legal to ask for this information when making a payment? I am giving THEM money. If so, why? I 'm handing them cash! I could understand wanting ID for a check. If this is not legal, the procedure needs 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 explanation
Consumer complaint received 05-06-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted a dispute with all XXXX credit bureaus numerous times and there are still items that have been paid and are duplicates reflecting on the credit reports. Further, I have provided information to the credit bureaus and the companies that verified that I paid the accounts. These specific accounts are still showing active, with a balance and a monthly payment. The specific accounts are- XXXX XXXX XXXX ( XXXX XXXX , XXXX XXXX and XXXX ) and XXXX. Further, some of these accounts have been reported on my credit report since XX/XX/XXXX and XX/XX/XXXX-approximately 11 years. I have contacted all XXXX credit bureaus ( XXXX, XXXX and Experian ) and they refuse to remove the accounts each time and now they are reflecting duplication.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Debt collection (Credit card) with Western Portfolio Assets (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX XXXX ( XXXX ) XXXX XXXX contacted me today through a XXXX party ( blocked number ) to alert me that legal action will be taken against me on Friday. They will be mailing off a court summons on Friday to my place of employment and my home address ( I have this on voicemail ). I was also instructed to contact above phone number for further information. When I called that number the person who answered the phone stated " legal department. '' When I asked for teh company 's name I was told XXXX XXXX XXXX. I was asked to confirm the last XXXX of my SSN. I was told that I owed over {$1500.00} for a credit card ( XXXX ) debt that I disputed over 8 years ago and got removed from my credit report. I was told by the representative of the legal department that once they file to sue me my wages and bank account can be garnished and the account will be placed on my credit report again. I contacted an attorney who called the company and he confirmed that it was a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 04/26/2015 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Capital One Auto Finance refuses to correspond with me and the amount they tell me I owe when I call them is much higher than the amount they are reporting to the credit reporting agencies. They have even verified the lower amount after I disputed with the credit reporting agencies. They also have incorrect dates on my credit reports that do n't even match their own court documents that I was recently able to obtain. I have no way of knowing how they have come up with the figure they give me on the phone or the figure they are reporting to the credit reporting agencies.

Company response to consumer: Closed with explanation