milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: While reviewing my a XXXX, XXXX and XXXX that a collection notice was placed on my report. I attempted to contactXXXX and PORTFOLIO RECOVERY SERVICES, LLC, arguing that I dispute the validity of the debt without success. I personally contacted PORTFOLIO RECOVERY SERVICES, disputing the validity of the debt. I requested that they provide me with an original signed contract of obligation with the XXXX as a matter of law and PORTFOLIO RECOVERY ASSOCIATES has failed to do so but insist on continuing collection action that a s a direct result of ID THEFT and knowingly with intent to cause me economic harm placed collection status on my credit report making it very difficult to secure a meaningful job and obtain new credits. 
Upon belief and Information, this debt is/was as a direct result of ID THEFT, therefore, I`m not to be liable for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Ive contact XXXX XXXX  about a credit that got on my account that was not mine. Ive contacted them more that 5 times. XXXX  said they agreed to take it off one moment. Then next moment they decided not to. It have been 7years and i still can not get this off my account. 

XX/XX/2010 {$370.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CFPB disputed an inaccurate account on my credit report with XXXX XXXX After CFPB contacted XXXX XXXX the vice president of XXXX XXXX XXXX XXXX sent me a letter telling me he sold my account to Calvary Portfolio Services and that I needed to deal with them. XXXX XXXX could have easily contacted Calvary Portfolio Services and let them know that the account was open via Identity Theft but chose not to although CFPB sent the police report and all supporting documents to XXXX. I actually think the account was sold after XXXX received first correspondence from CFPB. Please have Calvary Portfolio Services remove this from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In the past two years capital one inc is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, XXXX XXXX, XXXX   and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had seen my credit report and I see that they are multiple inquiries from XXXX and PayPal that I do not recognize and do n't believe making so I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX my fianc had to be placed on short term XXXX to prepare for his XXXX. The XXXX took 6 weeks to kick in and I was worried since he was over half of the house hold income that we would fall behind on the mortgage with Quicken Loans. I was looking on the website to see if there was a 'skip a pay ' option like with my car loan just so we would n't be late the one month. I came across a " Application for Success '' form and filled it out thinking it would help us with the one month payment we were worried we would n't be able to make. Upon completion of the form I received a phone call explaining to me that the form was for a loan modification. I explained that a loan modification was n't for me, as I was not looking to harm my credit and modify my mortgage agreement. They said I could cancel it as it never happened. I never submitted the signed application as they said I could just cancel. A month later I received a letter from Quicken with an adverse action notice on my credit report. I again called quicken to see what it was about. They said it was part of my loan modification process. I explained again that I did NOT want a loan modification that I did n't understand what I was filling out because no where did it say anything about a loan modification. They said they would fix this and get back to me. They never got back to me. Now there is a {$120.00} fee on my monthly payment for the modification I supposedly applied for that I never wanted. They will not take off the fee. I needed help as we were drowning in bills missing 60 % of our household income, not added bills causing me to be late on the mortgage. I have requested calls from managers to explain why I am being charged for something that I never wanted and have not received a call. I have a few emails from a customer service rep assuring me someone will call but its been almost two weeks and no call. In the meantime my payment went from {$950.00} to {$1000.00}. I feel cheated and scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I went to my bank CHASE BANK and they told me that my account was frozen. I don't have any liens, judgments or anything against me. I was not notified of this action or given any legal rights. Chase just gave me the number to a collection agency. XXXX   XXXX XXXX XXXX  XXXX. THIS IS SO WRONG. THIS IS CAUSING ME, MY FAMILY AND BUSINESS HARM. I CAN'T GET MY OWN MONEY. I HAVE DONE NOTHING WRONG AND I OWE NO ONE

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: THIS WILL BE BRIEF HAD RECIEVED AN INSTALLMENT LOAN FROM XXXX XXXX XXXX OFF OF XXXX XXXX XXXX IN XXXX TEXAS. I HAD MADE MY FIRST PAYMENT OF XXXX DOLLARS EVEN. THEE LOAN WAS IN THE AMOUNT OF XXXX DOLLARS. THEE FOLLOWING MONTH I WENT TO MAKE AN PAYMENT AND THEY HAD CHARGED IT TO MY BANK ACCOUNT FOR A CHECK THAT WAS GIVEN TO THEM FOR THEE APPROVAL AMOUNT. COME TO FIND OUT I WAS GIVEN AN OVERDRAFT AND MY ACCOUNT KEPT WITH THESE OVERCHARGES TO MY ACCOUNT AND BANK FEES ALONG WITH THERE EXTRA CHARGES NOT INCLUDING MY PAYMENT THAT WAS MADE. MY NAME IS XXXX XXXX AND NUMBER IS XXXX THANK YOU AND YOUR SPEED OF SERVICE WILL BE GREATLY APPRECIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I applied online at annual credit report for my free report for all XXXX agencies. I was denied and later XXXX and XXXX sent me a letter in the mail. XXXX provided me with a reference number to enter on their site and I was able to view and print the report. XXXX provided a form to fill out and mail off to along with proof of residency verification. Equifax has n't sent me a letter and it 's almost been a month now. I 've contact customer service and they tried to charge me a fee, which I repeatedly told them no. They told me to go online to Annual or call them and I told them that I already did. The rep help me reset my username and password on their site, and once I was able to login successfully, there was n't a report to available for view.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: JC Penny is sever ely affecting my credit worthiness by having inaccurate late payments on my credit report. The months that are being reported late is  XXXX   2017 ,  XXXX   2017 ,  XXXX   2017 ,  XXXX   2017  and  XXXX   2017 . I contacte d JCP t o see why when I send a payment it was being refunded to me. I was told I had  XXXX  accounts with them which  XXXX  was a closed account.  XXXX  was applying the payments I sent to my closed account instead of my open account. I have called several time on this matter and nothing has been done.

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 02-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: My XXXX XXXX husband my a XXXX Quick Pay transfer from his XXXX account to my XXXX account for {$550.00}, on XXXX/XXXX/2015. On XXXX/XXXX/2015 I did not see the money in my XXXX account. When I inquired to XXXX, they said it was accepted into a Wells Fargo account ending in XXXX, via clearxchange. I checked my personal Wells Fargo account, it did not end in XXXX and the money was not there. I called clearxchange, they said they only act as a clearing house for money transfers and that it 's a XXXX issue. XXXX says it 's a Wells Fargo issue and Wells Fargo does not find the money anywhere and says it 's a XXXX issue. NO ONE IS HELPING ME!! I have a " transaction number '' yet it seems to be worthless. WHO CAN I GO TO FOR HELP TO RETURN OUR {$550.00}?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I received notice from my credit reporting agencies regarding an account with XXXX. This account was closed over ten years ago at my request. All statutes of limitations have expired on this account and it is against the law for this to be appearing on any current credit reports. XXXX has falsified contact and payment information starting in XX/XX/XXXX in order to continue damaging my credit and increasing the amount of this falsified debt. XXXX had refused to remove this from my credit reports. Furthermore, all three agencies ( XXXX, XXXX, Experian ) are still reporting this expired debt. All of my attempts to remove this negative report have been ignored by XXXX as well as the three credit reporting agencies and they continue to violate fair credit reporting laws. XXXX is a predatory lender and a simple XXXX search on the internet will reveal how many military personnel and their families have been hurt by this company. XXXX went so far as to contact me after I had been XXXX XXXX in order to establish this account with me. It clearly states in their own policy that XXXX accounts are for active military personnel only. I was approached while undergoing medical treatment at a VA hospital and should never have been solicited in my medical condition to open an account as a veteran. Upon closing my account, and attempting to set up a reasonable repayment plan, I was denied, and they immediately reported it and refused all attempts by me to remedy this debt. My final contact with them was in XX/XX/XXXX and I have had no further contact by telephone, text, email or US postal service. However, they continue to falsify credit reporting statements with fictitious statements regarding payments and communiques. This allows them to continue to report what should be an expired debt.

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 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I contacted Capital One to release an authorization hold for a cancelled transaction by XXXX from XX/XX/18. I spoke with 3 reps who verified by identify, inclusive of phone number, address, credit card, social security number and transaction. I was transferred to another rep, Senior Account Rep who insinuated that I wasn't who I said I was. She confirmed by identify once more, my phone number in which I was calling from. Then she placed me on an extended hold for about 15-20 minutes, came back and blind transferred me to the Fraud Supervisor XXXX ID # XXXX who questioned my identity and needed to provide additional verification steps after already verifying my identity by 2 previous reps. XXXX practically criminalized me for my efforts to resolve a authorization hold of {$13.00} and {$100.00}. He refused to give me the specifics on why the additional verification was needed, only said that " sometimes people aren't who they say they are '' or verify other people 's information '' I feel criminalized and discriminated against and demand a written apology on why this happened to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Every time I apply for something I get denied and I do n't have a credit score, but I had one before now I do n't have one.I do n't know what happened and I feel like someone is using my identity.

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 06/15/2015 about Debt collection (I do not know) with Fidelity Properties Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company failed to respond to my request to validate this debt. They have reported this account to all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Other

Complaint: I pay my First Niagara credit card every month online. I have had this credit card since I was XXXX. Every month I choose the same account to pay it out of ( a XXXX account ). On XXXX XXXX I made my payment as usual. Did n't have any thoughts about it, until I received a letter saying my payment did NOT go through. I immediately got on the phone with First Niagara who was generally UNHELPFUL. They did n't know why it did n't go through, but they said they would reverse the late fee and to try to make my XXXX XXXX payment as scheduled ( would be in the amount of XXXX, due to " nonpayment '' in XX/XX/XXXX ). I did, I made that payment again online. It still did not go through. Nothing on my end has changed, no change in banks, no change in accounts, nothing. Again, this is the same method i use to pay my bill EVERY month. ON TIME. First Niagara wants to act like this is some fault of mine, even though I have proof ( printed confirmation ) that I 'm making my payments on time. The last person I spoke to on the phone accused me of having a missing XXXX in my account number. How can this be when I ALWAYS use this account to pay my bill and have never had any issues?

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company XXXX charged me for this month. Was told I would have to wait over 30 days to refund my money. Was told due to a system upgrade. This payment came out of my checking account as a direct payment. leaves me with XXXX left for the rest of the month. I have other bills direct debit that will be returned plus XXXX fees on top of it I will get plus late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has XXXX XXXX XXXX on my Credit Report as owing {$8000.00} and I owe XXXX XXXX XXXX nothing. I returned the Car I financed with them and the Fair Market Value of the XXXX XXXX XXXX was XXXX and XXXX XXXX XXXX sold the car at an auction for {$2500.00} and they want me to pay the balance. 

XXXX XXXX XXXX XXXX has the car in their possession and Therefore I owe them Nothing effective XXXX. 

I want XXXX to Delete XXXX XXXX XXXX from my Credit Report effective immediately. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Trouble during payment process

Complaint: My parents had their mortgage with Bank of America. Last year my mother,  XXXX   XXXX  and my father,  XXXX   XXXX , both passed away. I,  XXXX   XXXX , have been dealing with Bank of America as the executrix for the estate since that occurred. I received, a t one poi nt daily, calls from Bank of America asking about the intention with the property. Despite my telling them on numerous occasions that we listed it for sale in   XX/XX/XXXX  ( t he month after my father passe d ) they w ould act as if they never had any knowledge of what was going on with the property each time they called. Then, I received a letter from an attorneys office on the bank 's behalf. I sent letters to them also advising them of my involvement and the fact of the sale. I then advised them that we had a contract for sale which was supposed to occur by the end of  XXXX . I sent them a contract extension date for   XXXX   XXXX   XXXX     and despite receiving that, the attorneys office started foreclosure proceedings once they learned of the pending sale. The day that I learned the closing would in fact be Monday   XXXX   XXXX   XXXX    , I called the attorneys office every hour the try to obtain a payoff figure. They called me back the next day but I learned that they day before, they returned the foreclosure complaint to court, thus incurring additional fees and costs despite the fact that they did not have to return the complaint to court until 6 days before the return date of   XXXX   XXXX   XXXX    . This was yet another way to incur unnecessary attorneys fees and costs on this file. The first payoff figure I received from the bank was good through   XXXX   XXXX   XXXX     and had  XXXX  attorneys fees and court costs. The second payoff figure I received which was good for the   XXXX   XXXX   XXXX     closing, a mere 10 days later, suddenly included {$3500.00} in attorneys fees and costs. We took the first offer we got on the house to get it sold, so the estate was not netting much money anyway and now, that money is being paid to an attorneys office for work that was unnecessary and seemingly unethical. Pursuing the foreclosure action at this late stage was actually harming their client 's interest because a sale date was already in the works. This was not a situation where I simply defaulted on my mortgage. My parents passed away and I did the best I could to get the house sold as soon as possible and to keep the bank apprised of that along way. They extended no courtesy at all during this entire process and have now taken what little money the estate was going to get from this sale to pay an attorneys office to do a job they did not need to do at this late stage.

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 07/21/2017 about Debt collection (Credit card debt) with Hunt & Henriques (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Case No. XXXX XXXX Filed superior Court of California , County of XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX. XX/XX/XXXX Hunt and Henriques for XXXX credit card loan robo signing of lawsuit and improper notification of court action. promised to reduce pay off amount of loan and then transferred me to another person and refused to keep their commitment because they did n't like me personally. I paid off full amount by selling my home. they liened my home illegally. With the liens I could not refinance to a lower interest rate and afford my payments. I was on XXXX. I was homeless for a long time and that is why it has taken me a while to get this complaint filed. I paid off the debt in full when I sold my home XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit card () with DISCOVER BANK (NV).
Issue: Advertising and marketing

Complaint: We are receiving XXXX - XXXX calls a day ( XXXX XXXX XXXX ) asking us to call Discovery - Discover card with NO explanation whatsoever We have complained to Discover Card TO NO AVAIL, calls persist every day. 
In our XXXX, XXXX continues at XXXX

Company response to consumer: Closed with non-monetary relief