milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with MARINER FINANCE, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Although I have explained to   XXXX   XXXX   that I do not have an account  with Mariner Finance and s he should stop contacting me and is harassing me, she has failed to furnish me with proof of an account as required by law, conducted   XXXX   credit inquires of my credit report u nlawfully without my authorization, and continued to call me at least 23 times each one  unlawful.   XXXX   XXXX   works fo r Mariner Finance ,   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX  PA  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 explanation
Consumer complaint received 09/27/2017 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (CO).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: On XX/XX/XXXX I received my payoff package in the mail. I immediately XXXX the required amount to them which was marked received on XX/XX/XXXX. The amount enclosed was the exact amount requested on the paperwork for a payoff through XX/XX/XXXX. On XX/XX/XXXX I logged into my account and noted that the lease was still active, a late charge had been added and the payoff was marked as short. I called, spoke to a supervisor and was told that some work would be require to reverse the issue and I would get a call by XX/XX/XXXX. It is now the XX/XX/XXXX and this is still not resolved. I never received a call, email or other update at all on any of this. They will not give out supervisor information, and everytime I call " none are available '' This is bar none, the worse work I can imagine. I have done nothing wrong and yet even a month later they ca n't resolve this. I am now worried that this inept company will report me as late for a lease that I have paid off and I still do n't have my title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 'm disputing the following debt with AFNI a collection agency in the about of {$310.00}, from XXXX. I 've contacted AFNI and was sent a bill. Well the bill is n't my bill and is a result of fraud. I have attached fraud paper from the IRS, also the address listed on the bill is n't my address. The bill date that was sent to me from X/XX/12 is from an address in XXXX XXXX Florida. At that time I was living in a total different city my address was XXXX XXXX XXXX XXXX XXXX XXXX Florida.. Again I was a victim of fraud and have a personal identification number for filing my taxes. I also check AFNI for license to collect in Florida after they were give me such a hard time after I told him that this account was fraud they have no license to collect on a date in Florida. Please see attached paper stating AFNI is n't license to collect in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit reporting () with Experian Information Solutions Inc. (WY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX account # XXXX .... is not mine and experian has refused to delete account like XXXX did to avoid fcra fines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Equifax is refusing to remove  XXXX  accounts on my credit report that do not belong to me. I have personally contacted the creditors at Equifax 's request and they have each individually confirmed my concern that Equifax is reporting someone else 's information on my credit. I am filing this complaint because Equifax is reporting someone else 's accounts on my report and they are refusing to remove these items. The following accounts need to be deleted from my credit report immediately :  XXXX   XXXX  with account number "  XXXX  '' ;   XXXX   XXXX    with account number "  XXXX  '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the  XXXX  in their database. This is making things more difficult because since I am not the right  XXXX , it is against their policies to send me additional information about these accounts. I am being given the run around by Equifax and these companies and I feel stuck and do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Settlement process and costs

Complaint: Ocwen Loan Servicing is not giving me the proper documentation so that we can go to closing.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries on my credit report that I dont recognize and I did not authorize ... I would please like these inquiries deleted from my credit report .. Thanks

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 10-06-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Credit use was accessed thru someone that i lived with. This XXXX XXXX " payday loan '' creation / use was fraudulent ( not authorized by myself ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: To whom it XXXX concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX, and XXXX XXXX is my daughter 's name. I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are either not current or just wrong, since the only names I have ever used are XXXX XXXX and XXXX XXXX, but only while I was married, and XXXX divorced, in XX/XX/XXXX, I returned to my maiden name, XXXX. I am contacting you to correct these errors, because they are hurting my daughter 's credit report, as it seems you have us as the same person. My daughter has been working on correcting her credit report as well, since a lot of my information can also be found on her record. Also, my birthdate is reported incorrectly on my credit report. I was born on XX/XX/XXXX, not in XX/XX/XXXX, as it is reported. 

I have lived at my present address : XXXX XXXX XXXX, XXXX, MA XXXX, for 15 years. I lived at XXXX XXXX XXXX, XXXX, MA, XXXX, before that. I have NEVER lived in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or in XXXXXXXX. My daughter has lived in some of the following addresses, not me, yet these addresses can be found under my XXXX daughters record as well. My daughter and I have different social security numbers, and we share the same first name, and XXXX last name, and in the past, the same address. I need my financial account separated from that of my daughters, because of these errors, when my daughter requests a change of address, my mail is also redirected to her new address, since in my credit report I am reported as having lived where she has erroneously. Lastly, I have some defaulted student loans and they do not show-up on my credit report and I fear they may be lurking under my daughter 's credit report. I need help in removing my daughters name and addresses from my account, in the hopes of separating our financial records. I have provided documentation to prove my name and addresses, along with my student loans, which should be under my name. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Trouble during payment process

Complaint: I received an new escrow statement at a time where we were changing insurance companies and disputing taxes  with the county.   In this statement, I was told that I needed to pay a lump sum for shortage or I needed to pay a monthly penalty for shortage.  <P/>  Wells Fargo do es not kno w how to read an escrow account. For three years, I 've received a refund th at I 've turned around and applied to the mortgage. I called to ask why and the person on the other line wanted to argue with me.  <P/> Additionally, they escalated to their management. The  manager  was just as bad as the regular associate. He told me he was going to apply my extra principle payments to my escrow account. I do n't know why they would do this. I advised that I was purposely paying additional principle payments, and no one a  t Wells Fargo had better change these payments.
<P/>
I received a letter in the mail from this associate with the same information that 's available on their website. Go figure. I called the number on the letter to get another poorly trained Wells Fargo   associate. This associate did n't want to take care of the problem. He set me up for another call back. I know, right?  <P/> So, this person calls me tonight to again tell  me Wells Fargo i s correct. He wanted to tell me he has all the correct numbers to find out he is completely and undeniably wrong.  <P/>  Wells Fargo  did n't take into consideration my {$600.00} escrow only payment or my {$450.00} escrow payment o n  XX/XX/XXXX  o  r  XX/XX/XXXX   ( give a few days because I pay my mortgage early ). Additionally,  Wells Fargo had  {$930.00} insurance ( ap prox ) and {$4400.00} taxes ( approx ).   Both of these numbers are wrong. Because of the mistake at the  auditor, my in surance company miscalculated my annual premium. They had to request and adjustment. The adjustment was sent to  Wells Fargo. I have n ot seen a statement with the corrected numbers. The taxes were also updated to approx {$4000.00}. The auitor did not realize we had  a 3 car gara ge and thought we had a finished basement. I tried to communica te this to Wells Fargo, but t hey are not too educated.  <P/> My taxes are due   XX/XX/XXXX  and  XX/XX/XXXX  every y ear, and my insurance is due  XX/XX/XXXX  every year. With that said, I 've calculated my payments going forward for the next 20 years, and my escrow account does not show negative or within 2 months ( {$900.0 0} ) du ring this 20 year period. Of course, I do n't know what the value of my house or insurance will be from year to year. I have some cushion though for the possible increase.  <P/> I would n't be so unhappy i f Wells Fargo was  In the ballpark. They are not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Other financial service (Traveler’s/Cashier’s checks) with First Data Corporation (WA).
Issue: Unexpected/Other fees

Complaint: I was pointed towards XXXX XXXX by my Bank XXXX to get a credit card terminal for my small business. A representative from XXXX XXXX, named XXXX, got in contact with me and I asked her about all the costs and fees associated with the terminal, she told me there would only be a monthly payment of {$25.00} and two percentages that would be charged with each transaction ( one percentage is for tickets under {$500.00} while the other is for tickets over {$500.00} ). I asked repeatedly to make sure there was nothing else, now I get a bill saying monthly payments are higher than I was told and other charges that are undisclosed with no explanation anywhere on the bill for. I 'm also being told, after paperwork is done, that there is also mandatory insurance I must pay monthly on the terminal, I was not informed of this when I asked about the costs and fees. Not only that, but merchant services has now charged my bank account repeatedly in the XXXX week of XXXX resulting in overdraft fees that amount to {$160.00}. They charged me XXXX times on one day, XXXX XXXX, resulting in nearly {$100.00} in bank fees in just XXXX day. I was not informed when I was signing a contract, I was told it was just a paper confirming the information I had previously submitted about my bank account and business ID, and I was rushed through signing it over the phone. I was told I needed to sign the paper to get to the next step, the customer rep helping me was not honest and did not inform me of what the paper really was. After she had me sign it she hung up and I was left very confused. She also did not inform me that the lease term would be for XXXX months. She did not mention anything about a lease. I am very upset. They want to charge me over {$1000.00} to cancel the lease which was agreed to by manipulation by their customer service. This is not right, my small business was taken advantage of, I was taken advantage of. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Vehicle loan or lease (Loan) with Carvana Group, LLC (IL).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: On XXXX XXXX, 2017 went online as an referral to purchase vehicle from Carvana ; on the first call there was system issues with security questions to get me verified after 24 hours that was resolved. I did everything that they request uploaded documents 3-way call with bank to verify funds. Car was delivered a week after delivery a rep called stating that my contract had not been signed ( after I did a total of XXXX via links provided online ) I advised rep that purchase price did not reflect the {$500.00} discount for being referred my vehicle did not come with gas card nor had I received referral code so that I can refer others as I had been referred. She stated another contract would be drafted and email it arrived I did as I was suppose to signed the contract. Received payment details in mail made first payment as agreed to lender now on X/XX/2017 was contacted by rep stating their accounting team did an audit and it revealed that my down payment was never collected due to a " SYSTEM GLITCH '' she wanted to process payment I advised that I was out of town on vacation and would call to resolve issues once I get home review banking documents etc was in a public place was n't a good time to discuss personal business she continued with my payment just be made to keep contract valid and did I not notice the draft, do n't i have online banking so I can review or can we call bank on 3-way to review transaction I declined and told rep again that I am in a public setting away from home it was n't a good time. My complaint is system related it is not a consumer issue and they should not be called and harassed about a financial matter that was on their end it took them 2 months to discover the error and no one has mentioned the {$500.00} discount I was to receive off purchase price for being referred nor have I yet to receive {$100.00} per referral for the 5 people I referred to Carvana. Was advised to tell people to give my name city and state and they will receive {$500.00} off purchase price and I would receive {$100.00} for the referral so the way I see it that Carvana owes me {$1000.00} ( {$500.00} off my purchase price and {$500.00} for my referrals ) also my gas card that every one receives with purchase. I also did not receive an owners manual was advised that it would be emailed to me and that I would receive gift card for gas in the mail which none of the above has happen. I have received numerous calls and emails threatening my contract. Which I have made 2 payments to finance company ; just do not want to wake up to a repo etc due to their system issues. Their system didnt draft my down payment, process my gift card, or referral credits.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Medical) with Southern Credit Adjusters, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: No chance to validate debt, verify the debt, I did not receive the notifications about the debt

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NCC Business Service is attempting to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: APR or interest rate

Complaint: I have a bookkeeper who takes care of all my bills for me. She 's been with me for many, many years. I used to make a lot of money until I had my daughter and became a single mom ... .my daughter was in XXXX. It took all of my time and energy and I could barely work that year. Then the housing market crashed at the same time I could no longer pay my mortgage. I lost my house but did n't go into foreclosure thankfully, I 've always had good credit and before all of this I always paid my CCs off in full each month. 
When I had to move into a small apartment I also had to live off of my credit cards for a while because I literally was n't making enough to survive. I then cashed out my {$70000.00} retirement fund with a HUGE penalty. 
I 've been scraping by and then I think it was last year my bookkeeper says that I 'm paying around {$100.00} a month in interest for my SouthWest Rapids rewards CC. I was confused to say the least? She said I had been over the limit. 
I did n't know why or how that could happen? I remember years ago they would just " decline '' your credit card if you had reached the limit. 
And now I 'm STILL paying around {$98.00} a month EVEN THOUGH I pay OVER the minimum required each month. How can this be? How can they do that? They are literally taking so much money away from me each month. I consolidated my credit cards maybe a year and a half ago to try and get at least a year of no interest. If I had known that Southwest would not notify me or at least " decline '' the card to let me know I 'd reached the limit, I would n't be in this predicament. I mean, it 's really outrageous and I feel so hopeless about it. 
Is there anything I ca n't do or you can do? Anything? I mean, I 'm paying over the minimum each month and they are charging me a little less than half of what I 'm actually paying so then it 's like I 'm paying less than the minimum and the balance will never go down! : - ( Help! XXXX -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony Bank calls me at least 6 times a day, on average, attempting to collect on my past due credit card account. When I answer their calls, they disconnect without saying anything at all.

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 12-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Getting a loan
Sub-issue: Denied loan

Complaint: Navient has my credit extremely poor, they report to the agency numerous times for the same account. I pulled my credit repot and they have it on my report 5 times. This is an illegal practice please resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I sent request for information, about payment reversal, without three day notice, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XX/XX/XXXX reported this to XXXX. I have XXXX XXXX, which totaled the car on XX/XX/XXXX and XXXX agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with XXXX. XXXX Claim # XXXX On XX/XX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, XXXX, ( which the insurance department with XXXX email indicating that will be the next steps ). I received a statement from XXXX, dated XX/XX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with XXXX XXXX and XXXX is currently taking place. I called XXXX they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with XXXX for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from XXXX indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of XXXX is hurting my credit score after they agreed to closeout the loan. XXXX still continues to collect money from me, XXXX and XXXX for a loan that was totaled by the insurance.

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