milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like to make a complaint on Portfolio Recovery Associates with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VaXXXX and an alleged balance of {$1600.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 ( c ) Re-aging the account. This account was placed for collection on XX/XX/XXXX. This account was closed by XXXX on in XX/XX/XXXX and sold with a BILL OF SALE and no WARRANTY. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years which Portfolio Recovery only had three ( 3 ) years from the date of XX/XX/XXXX because they only had three years to collect. I wrote them a letter dated XX/XX/XXXX and requested a verification of debt with the BILL OF SALE since they are the debt purchaser but they never provided the bill of sale and how much they paid for the charged off insurance profit/loss write off. I have even included a letter from them dated XX/XX/XXXX where at the bottom they state the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. There are also laws on how long they can report which they violated and they are the following : 1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information and this is a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
3. XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b  ) and a {$1000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: When I moved out of my previous apartment, I was under the impression that all debts were settled. I never paid a late rent and we left the property in awesome shape. Now I received a bill for XXXX and I do n't even know what it 's for. It is now in collection with a company called I.Q. Data International, Inc. I have received 7 calls today XXXX/XXXX/16 and 2 of the calls were after XXXX XXXX. I am getting really frustrated and it 's borderline harassment. The account rep 's name is XXXX XXXX and their number is XXXX. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Payward Ventures Inc. dba Kraken (CA).
Issue: Money was not available when promised

Complaint: On XX/XX/17 I started a customer support ticket with XXXX XXXX XXXX about a transaction of XXXX XXXX that never arrived to my account do to a missing destination tag. I was emailed back and told if I provided them some information about my wallet that the XXXX was sent from and some other things I had to search for myself they would be able to get my money back to me within a couple of weeks. I provided them all of the information they 've asked for but it has been over 2 months and I still have n't heard anything back from them and from what I 've seen on online forums about issues like this I am not the only one. I 've since emailed them multiple times about the same issue and it seems each time they marked the issue as resolved which it had not been.

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 04/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: HI I fell behind on my mortgage payment I 've been trying to work out a plan to get caught up every time a plan is made I do what the company ask the next time I go to make a payment they tell me we have to start plan over i ca n't seem to talk to a supervisor or anyone to explain or get ant answers I 'm told they 're not available it is really stressful trying to get answers and you ca n't

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: In XX/XX/XXXX I submitted a dispute with Equifax since they are reporting my bankruptcy as a chapter XXXX when it was instead a chapter XXXX. ( Equifax Confirmation Number : XXXX ) After the issues my wife had she suggested I submit the complaint through the CFPB which she had done. I 've submitted two complaints for the same issue through CFPB, and when calling was informed that there were issues with the system causing me not to be able to log in to view the complaint. Both we closed with the same failed result. Equifax still shows a chapter XXXX instead of a XXXX. Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX I will attached the documents from my wife 's complaint for the same issue showing that they were able to resolve it after the first attempt through the CFPB. It also includes a copy of the discharge letter from the Chapter XXXX trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Application, originator, mortgage broker

Complaint: We have our first mortgage with Bank of America and we are trying to refinance our loan with another bank. The address on our FHA loan through Bank of America is wrong and we need an address change on the loan documents. They told us they needed certain documents faxed, so we faxed them multiple times. Weeks went by and they continued to say they had not received them. We had faxed all of our information as did our new lenders. We continued checking up on it and eventually they said they have them but they have now changed their rules and need more documentation and that our prior documentations would not work. We have sent over everything else they have requested proving that our address is what we say it is and not what they have down and are now telling us it could be up to 180 days before they get our address changed. During the whole process they have asked us to refinance with them and are now dragging their feet on helping us get our address changed on the loan documents. It has been a complete and total nightmare.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (NV).
Issue: Closing on a mortgage

Complaint: This was a VA loan and they overcharged on the fee for points according to VA. They took almost 3 months and complained they had too many other customers to take care of my application. I was also told I would have 2 months with no payments with new bank and the loan did not close until XX/XX/XXXX and the payment was due to XXXX by XX/XX/XXXX so I had to pay as I promised to pay according the the Home Modification Program. I have called and tried to explain what they did but was told I got a good loan and to have a good life, they are done with me. The loan application was started XX/XX/XXXX and completed XX/XX/XXXX, they knew I was leaving the country on XX/XX/XXXX for 2 weeks so I could not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: MY COMPLAINT IS ACTUALLY 2 COMPLAINTS ... ... ..1ST IS BOUT ALL 3 MAJOR CREDIT BUREAUS ... BECAUSE THERE IS CREDIT FREEZE ON MY REPORTS IT IS MAKING A PROBLEM WITH OPENING ANY NEW BANK ACCOUNT FOR ME ... ..BANKS TELL ME THERE IS FREEZE ON MY SOCIAL SECURITY NUMBER BY XXXX XXXX THAT IS DUE TO FREEZE ON MY CREDIT REPORTS ... .SOUNDS QUEER BUT IS TRUE!!! OTHER COMPLAINT IS BOUT EXPERIAN I COMPLAIN IN PAST BOUT IT BUT THEY ARE STILL REPORTING 1 OLD ACCOUNT AS BEING CLOSED IN XXXX 2017 BUT XXXX IS REPORTING IT AS STILL OPEN AND I CAN ASSURE YOU THAT ACCOUNT IS STILL OPEN AND I PAYING ON IT ... ... .ACCOUNT IS XXXX XXXX XXXX ... ..I CA N'T UPLOAD ANYTHING SO WAIT FOR IT BY POST I WILL MAIL IT TOMORROW OK

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 06-07-2017 about Vehicle loan or lease (Loan) with CONDOR CAPITAL CORP (NC).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: In XXXX, I was made aware that Condor Capital had been forced to close their offices in XXXX due to predatory loaning practices. I then received a bill from Condor Securitization Trust, and was told to make my payments to them. In XXXX I began to suffer financial hardship as I found myself homeless due to unforeseen circumstances and began falling behind on payments. In XXXX I decided to move out of state and voluntary-surrendered my vehicle and this is where all of the frustrations began. After surrendering my car on XX/XX/XXXX, the company could not tell me the status of my vehicle. I requested further information on the location of my vehicle and never got one. They could never provide me with further information and every time I called I was n't given proper information. My car was auctioned off and I did not receive a notice of sale until after the sale was made in the amount of {$2500.00}, leaving me with a balance of about {$11000.00}. After covering the repossession fees only {$1500.00} of the sale was put toward my loan. I finally found work and wanted to begin making payments toward my loan. Since I had n't heard from the company I decided to reach out to them to try and work out a payment arrangement that was less than {$380.00} as I 've just started working and took a reasonable pay cut because of the area I moved to. They proceeded to tell me there was nothing they could do. I asked to be transferred to a legal department or collections department and was told they could n't do that. I was told I could make payments online and that my account was fine. When I went online, and tried to make a payment the site said I could not make a payment with a credit or debit card and needed to call them back. So I immediately call them right back and was transferred to this woman who claimed that my account had miraculously been transferred to the escalation department ( in the matter of 10 mins. ) and that i could only make payments via XXXX XXXX or XXXX XXXX. Then as I reviewed my account it says that my last statement created was inXX/XX/XXXX, but they claim they 've tried to get a hold of me to make payments, but I updated my account information with them when I moved and never received anything from them. Then the website says the last payment made on the account was onXX/XX/XXXX, but they claim I am 108 days late on making a payment. I am frustrated and feel as though something sketchy or unfair is taking place because the company can never give me a straight answer.

Company response to consumer: Untimely response
Consumer complaint received 12/23/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NH).
Issue: Application, originator, mortgage broker

Complaint: We applied for a loan in XX/XX/XXXX with NationStar. They agreed to a 3.99 % mortgage and we got an appraisal that came in without issue. They have been dragging this out and not returning our calls or emails. They just sent us new terms for the loan. 

We are unsure of what they are doing

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of counterfeit fraud on my credit card. Barclay notified me of the suspicious transaction on XX/XX/XXXX the day it happened. I contacted them as soon as i could and confirmed the charge in question was indeed fraud. After wait more than 2 weeks for the fraud charges to be credited to my account, I sent them an email questioning the status of account ( see copy of email in attachment ), and they responded that my issue has been escalated and will be diligently working to resolve it. After waiting another 3+ weeks, and nothing happened I contacted them for a 3rd time, this time by calling them. I finally got someone on the phone from the fraud department and he told me it would be handled right away, which I did receive credits on my account the next day. I just got a letter this week that was generically worded saying they resolved my fraud case and it is now closed. I assume this meant that it was in my favor, since I am the victim of fraud, but no, they put the fraud charge back on my account. I find it extremely frustrating and completely ridiculous that I will need to reach out to Barclay for a fourth time to resolve an issue that I am a victim. I have also been making payments to cover the fraud charge because I do not trust this company to properly credit me any interest that I would have incurred because of their incompetence and failure to handle this simple situation.

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 monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The companies XXXX, XXXX and TransUnion are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the XXXX, XXXX and TransUnion companies, and they sell your private and personal information or spread wrong information about you!!! 
XXXX, XXXX and TransUnion are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
XXXX, XXXX and TransUnion are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
XXXX, XXXX and TransUnion track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about you!

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 10-10-2017 about Debt collection (I do not know) with Synerprise Consulting Services, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a voicemail stating " This is a message from Synerprise Consulting Services. This is an attempt to collect a debt. Please call us at XXXX or visit us online at XXXX. Again that is XXXX or visit us online as XXXX. Thank you This was received today XX/XX/17 They NEVER once said who the call was for. Never heard of them and never received prior communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I didn't/don't have a contract with them and I want it removed from all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The XXXX XXXX XXXX, XXXX. law firm is representing CACH , LLC in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for {$160000.00} was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against XXXX XXXX XXXX with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to XXXX XXXX XXXX, XXXX. law firm. I seeking all monies garnished and collected from me to be returned and release the judgment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Credit card protection / Debt protection

Complaint: A gentleman called my Granddaughter demanding she pay for a debt that she was n't sure even existed. He threatened to have her taken to jail the next day. She panicked, having XXXX small children. Called me to help her pay the amount of {$3500.00}. I had her tell the guy to call me, when we spoke he was very persistent. He would n't accept a personal check as payment, and had to be paid right now or she would be placed into jail, and he would take the house away from her. I 'm an elderly lady and was very scared for her. I decided to give him my credit card info because he scared me, and I was worried for the safety of my granddaughter and grand babies. I asked him to fax me the documents to prove that she indeed owed this money to somebody. He refused to send me any type of receipt. I then called the credit card company to cancel the transaction, the lady said I caught it just in time. That they would n't release that amount of money right away so I was assured the payment was stopped. The following day he called screaming at me for canceling the payment. He said to just give him {$500.00} and he 'll go away, he refused to send me any paper work so I had proof. He has damaged my soul, I 'm scared that this can happen again and to keep your family from harm you do what ever it takes. It 's sad that people take advantage of others. 
I then received a document from the credit card company saying that they have charged my account. This man that strong armed my account information from me turned out to be a scammer. Please will you look into this. I 'm living on a fixed income and do n't know what to do. I thank you much 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 08/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Trans Union continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.

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 02/22/2017 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (NC).
Issue: Adding money

Complaint: I purchased a Reloadit Pack to add to my debit card and was not able to get the money transfer to my card because of the many difficulties trying to load through the website as instructed by them. They kept giving me the run around and basically many others are having the same problem according to the many reviews I 've read. 
1 : I could not get through the computer system 2 : they kept giving me the run around for two days 3 : they said it could take up to thirty days for a refund I believe I have been scammed like the many other bad reviews and do n't think I will receive my refund. Everyone should read the reviews before purchase because many others and I mean hundreds have had the same complaints with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2016 about Payday loan () with CNG FINANCIAL CORPORATION (TX).
Issue: Charged fees or interest I didn't expect

Complaint: Get phone call from XXXX. They say they are seeing for an account. At playday loan company. They say there is a warrant for my arrest for payment due. And sherff will be sent. Then they say I owe XXXX dallors but they will settle for XXXX. When I ask them for paper work they say it too late for that and I need to pay now. They have been calling my family and tell them they are investigating me and that they need to call back and to tell me to call them. I told them If they send me paper work and I owe the money I will pay it back in payments. I an on XXXX and have a limited income. I want them not to call family or friends. They have my number and address.

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 SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Company has changed my open date to XXXX, provide verification documents.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this not my credit card # XXXX so please remove from all XXXX reports. 
thank you

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