milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Debt collection (Credit card debt) with Convergent Resources, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Starting last year, I started receiving letters from XXXX XXXX, a collection agency regarding a XXXX XXXX debt. I had a XXXX XXXX account many years ago, before I retired, and it was included in a debt consolidation program I joined called XXXX, XXXX. When my consolidation was all paid off, XXXX sent me a letter, which, unfortunately, I no longer have. I never thought that this many years later I would receive a letter about it. To the best of my recollection, my XXXX account was completed around 2006 or so. I honestly can not remember, but it was completed a long time ago. 

XXXX XXXX is trying to collect over {$200.00} from me and I will tell you right now that I am not paying a dime. My account was paid in full by XXXX, XXXX and I have no open accounts with XXXX XXXX. I want XXXX XXXX to stop harassing me. I have already told them that I will NOT respond kindly, nor will I pay this debt that I have paid a long time ago.

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 10/31/2016 about Mortgage (Reverse mortgage) with Pipeline Ventures (IL).
Issue: Application, originator, mortgage broker

Complaint: TLA, XXXX XXXX, XXXX MD XXXX, XXXX sent out a postcard to seniors who have a reverse mortgage which I feel is very deceptive advertising. " This is an attempt to make contact as your loan is approaching the end of its probation period '' and " Your Reverse Mortgage may be due for a change in terms ''. There is no probation period on a reverse mortgage and terms can not change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a dept on my Credit report which is not mine. I have spoke with the company a while ago and its still being reported. I do n't know what else to do but file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: After providing all the documents Nationstar Mortgage LLC asked for a few times over they told the company who helps to modify my loan that I am not qualified. They said if they were to qualify me my monthly payments would be over {$8000.00} a month! That means I have to make over {$24000.00} a month to be qualified. My payments before the hardship was less than {$4000.00} a month and I do n't know how do they calculate in order to come up with such a number. I called and they said the new loan is based on remaining years on the loan with fully amortized. I have heard that banks and servicers offer 40 years with low interest. 
The other problem is when I sent them my income and stuff they still think I do n't make enough money to qualify even for {$4000.00} I was paying before. I do n't think they have all the facts and are not applying correct numbers I sent to them. 
I still do n't have a final letter of denial in writing from them to me but just a note to the law firm who is representing me. I am wondering and scared they may go directly to foreclosure without giving me the chance to appeal and or send my income again because I am not sure their calculation of my monthly income and expenses are correct. 
This happened before when my loan was with XXXX XXXX XXXX and then went to XXXX and now at Nationstar. 
The other thing is all the assignments and transfer documents they presented to me were false and not signed by real people. I have sent them all the recorded documents but they still are trying to use the existing fraudulent and fabricated documents to foreclose on me. 
Nationstar filed a Notice of Default XX/XX/XXXX and Notice of Sale XX/XX/XXXX using fabricated documents. Someone by the name of XXXX XXXX as VP of their company and at the same day and time as VP of XXXX XXXX on same date and time!!! signed Substitution of Trustee and Assignment of Deed of Trust. My question is if you can be a Vice President for XXXX different company in XXXX different countries at the same time??? 
XXXX XXXX XXXX tried the same documents but failed and paid a penalty through Independent Foreclosure Review and now Nationstar wants to do the same thing again. 
I need your help to resolve this matter. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/2017 I got an email that a payment had been posted to my Capital One account. in the amount of {$3000.00} was posted to my account. I did not make this payment. I called Capital one and told them I did not make this payment but they could not tell me who did because of privacy issues. Well three days later the payment was returned due to fake account. They told me my account was probably hacked and they were going to use card after payment cleared. They said they were going to mail me a new card. Instead I got a letter they closed my account. I had always made payments on time. They did no investigating to see who did this and would not give me any information to do it myself. Instead they just closed my account and I got a dereogatory mark on my credit score. I told them this wasnt my fault but they did not care

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to their own tool, I am one of the people impacted by Equifax 's recent cyber security breach.
I have submitted a 90 day alert on my account for all new credit inquiries, but this level of personal data loss is nearly inconceivable to me.
My name, DOB, SSN, and all of my current lines of credit are now permanently accessible by motivated persons on the internet. Who knows what other data was leaked in addition.
What are my options? Change my social security number? This sort of mistake is absolutely inexcusable. The sum inconvenience, to put it lightly, of all affected parties is astounding.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Billing disputes

Complaint: I paid my payment for this month. You guys applied it to last month. I am upset as I do not get until the beginning of next month. I have written my complaint via the email system on chase.com. I do not know what to do and I did not ask you to apply for last month. I ask for you to apply my money as defined by me. I do not want to have issues, and this is very annoying to me. 

Also XXXX XXXX has not paid me yet for my dispute. I would like to reopen the dispute I also got my leasing agreement to show I did not need his services. Please let me know my options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: APR or interest rate

Complaint: My wife and I received a random promotional phone call one evening from American Express. We agreed to the terms of 9.9 % and stopped using our XXXX credit card, as we were in the middle of flipping a home. The home is now cnear completion and we went to pay the XXXX balance off. In so doing, we were notified the 9.9 percent agreemnet was never activated. Statements are included to signify when the offer became effective. We called and were moved up the chain of command 3 times, to only be told, " Even if the promotion was valid, it is no longer and would not be in effect now. '' This is after we asked them to screen the recorded call, at the lower levels of customer service they denied any such promotion ever existed, and approximately 3 hours of nonsense. We closed the card, gave them any reward points and will keep paying it down until we actually have the agreement honored and pay what the implied- verbal contract is. We want to pay them what we owe them in full, not more.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 01-08-2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX I paid an outstanding debt to XXXX XXXX and received a letter from the court saying my debt was fully paid. I have attached a copy of that letter from the court. Even though the debt has been paid I still receive harassing phone calls and letters from collection agencies. I have attached a letter sent to me from XXXX XXXX XXXX. I have tried over the years to explain to XXXX through phone calls and letters that the debt has been paid, and made them aware of the letter I have received from the court stating the debt has been paid. XXXX does not care and they continue to harass me day after day, year after year. They have even called my friends and family asking where I am and told them I owe XXXX XXXX. Also they have threatened further legal action even jail. Enough is enough I want something done.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Student loan (Non-federal student loan) with National Enterprise Systems, Inc. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Briefly, I will try and explain ; however, my supporting documents tell the story. A private loan that I co-signed on for my son with XXXX was transferred by a third party XXXX XXXX XXXX XXXX ( XXXX ) subsequently sent it to a collection agency call National Enterprise System. They did so without any notice to me!! It was in calling the original lender that I found out that it had been bought by XXXX. I was also told that they would be contacting me. This purchase happened some time in XXXX, XXXX, I think. At least it was XXXX XXXX, XXXX that NES acquired it, and the calls started shortly thereafter. It is now XXXX XXXX, XXXX and I have never heard from XXXX. I only hear from the collection agency, NES. I think it important to note that the account was n't in default. It was actively being paid on since XXXX. What gives them the right to do that when an account is being paid in good faith. I am a XXXX yrs divorcee. I hope to retire from XXXX in the next couple of years. This bad debt now appears on my credit report and no one will lend me any money because of it. I ca n't even get money to pay them off. Then there are conflicting statements about how much I actually owe. It is all in the accompanying documents. Please help me. I do n't know what to do. I am also forwarding copies to United States Attorney General for the State of Virginia, XXXX XXXX. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have requested that the XXXX account XXXX be removed from my credit file as it does n't belong to me you responded back saying that you had updated the information bite it looks like everything was fine with the account until XXXX where it was 30 days behind and now for the last 3 months they 're not even reporting it says XXXX the account does not belong to me the bank is not even reporting on it if you 're going to keep it on my account then I expect you to show me the steps you took to prove that the account belongs to me not just taking their word for it I clearly have a history here in the last year of fraud there were a lot of accounts removed I 'm not quite sure why this XXXX is still on here but I would like it removed permanently as soon as possible 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
Consumer complaint received 09/16/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Great Lakes student loan 's does n't provide info and I ca n't access their web site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested inquiries to be deleting from my credit report but they remain.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 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: Information belongs to someone else

Complaint: I have previously submitted disputes to Experian and they did not investigate the identity theft properly or attempt to resolve my complaint ... I have attached all the fraud forms including police report to get the following accounts deleted from my credit report ASAP. 

The accounts in dispute are : - XXXX XXXX XXXX - Amt Obtained {$460.00} FRAUD - XXXX - Amt Obtained {$3600.00} FRAUD - XXXX Card - Amt Obtained {$1100.00} FRAUD - XXXX Card - Amt Obtained {$1700.00} - FRAUD - XXXX XXXX XXXX XXXX - Amt Obtained {$11000.00} FRAUD - XXXX Personal Loan - Amt Obtained {$13000.00} FRAUD - XXXX XXXX/XXXX - Amt Obtained {$10000.00} FRAUD - XXXX XXXX XXXX - Amt Obtained {$7000.00} FRAUD

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a major security breach and I want to be sure to have them investigated. 
Thank you on behalf of the 143 million Americans affected by this blatant attempt at hiding the truth from the very consumers it holds hostage. 
They should be out of business. There are no do-overs here. They need to pay every single American and put the executives in prison.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 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: Old information reappears or never goes away

Complaint: I. I have sent several letters dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX disputing errors on my reports. 
II. Experian was called on XXXX/XXXX/XXXX after the letters went unanswered. I spoke with one person who quickly sent me to XXXX. I began explaining that I recently learned that my identity had been stolen by my ex-sister-in-law. 
a. I asked about the name variations on the credit report and I was told that they were being reported by the creditors that way and she could not remove them. 
b. I went on to explain that I no longer used names and some of them were wrong. XXXX proceeded to tell me that she would not remove the names on the report. This is in violation to the FCRA of reporting correct information. 
c. I asked about the addresses. She reported that the addresses are being reported by the creditors and she would not remove them. 
d. I immediately told her she was in violation of the Fair Credit Reporting Act and she stated she didnt care. This was the way they were being reported and that is what would stay on my report. 
e. I didnt even get to the inquiries which about 19 of them had not been done by me.

f. I asked for the address to where I could serve them court paperwork and she refused to give me the address. She finally reported XXXX XXXX XXXX XXXX, Texas XXXX. 

I have also tried numerous times to get rid of inquiries and some incorrect information on my reports. They have refused to send actual verification according to the FCRA. They just keep telling me it is verified. I am tired of trying to get rid of incorrect information and when you call, they refuse to do it. 

I recently found out my Ex-Sister-in-law has stolen my identity as far back as XXXX : XXXX XXXX XXXX XXXX XXXX # XXXX : office number : 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 non-monetary relief
Consumer complaint received 01/14/2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello ; To whom it may concern, I have been in an uphill battle with Hunter & Warfield ( XXXX XXXX ) which has described themselves as a debt collection company base out of Florida. Their address is XXXX XXXX XXXX XXXX, XXXX FL. XXXX. I have contacted this company several times in regard 's to a collection that I have no knowledge of other than it being listed on my credit reports, when I saw this listed I immediately contacted this company by certified mail only to receive no reply. I have been sending this company letters since early XXXX, I even called only to get a voicemail and no response. The company says that I owe them {$2500.00} and I do not know where this debt came from nor do I owe them anything. Each month they add {$5.00} to {$15.00} dollars to the account on my credit reports to show that I have not paid and to keep the debt current. I have tried to contact this so called creditor ( XXXX  XXXX ) and they are no longer in business because the property was sold by a Management company called XXXX XXXX XXXX, property management company ( XXXX XXXX XXXX XXXX, XXXX Georgia XXXX ). This company was called and I spoke to a representative and they advised that the property was sold and have no records of me having any debt with their company because all that information would be with XXXX XXXX. 

I have tried effortlessly to talk with someone at Hunter & Warfield and to no avail has anyone responded, or has the company made an effort to correct this issue. I have also told them that my identity was stolen when my home was broken into and I placed fraud alerts on all my credit reports due to a lot of inquiries and several accounts open on my credit file. This situation with this company has tarnished my credit badly and they still not have responded after at least 12 letters sent to them. This is a clear case of Credit collection bullying!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with Phillips & Cohen Associates, Ltd. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive calls from XXXX several times per day. I answer the phone and it is a computerized voice saying this is an attempt to collect a debt and to please wait while they connect me. Then the phone goes to a very fast beeping tone. I am never connected to anyone and then they hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Consumer Loan (Installment loan) with Castle Credit Co Holdings (NC).
Issue: Managing the loan or lease

Complaint: On or about XXXX XXXX, XXXX we learned that Castle Credit had placed a lien on our property in XXXX. On or about XXXX XXXX we began contacting Castle Credit by telephone. During the initial call on XXXX XXXX and in several calls since then, we have explained to various representatives at Castle that we are in the process of selling our home and would like to get this matter resolved quickly so that we may close on our home by XXXX XXXX. In the very first conversation with Castle, we were told that Castle no longer owned the debt associated with the lien and because they no longer owned the debt they could not provide us with any information regarding the debt, including the balance. In each subsequent conversation with Castle, we have asked Castle to either release the lien as, per their own admission, they no longer own the debt associated with the lien or provide us with the amount of the debt we allegedly owe ( see call log attached ). While we have been repeatedly told by Castle that they no longer own the debt, Castle has continuously refused to release the lien with most recent conversation ending when the Castle supervisor abruptly hung up on us. At the same time, Castle has also refused to provide us with any information of the alleged debt, most particularly the debt amount. 

We simply can not be held hostage by Castle. This action or blatant inaction by Castle has the potential to prevent us from completing the sale of our house and cause us great emotional and financial distress. We have had no choice but to explore our various options of recourse. We have contacted counsel and have been advised we can file a Quiet Title claim and seek recovery of our attorney 's fees. We were also advised to file this complaint Consumer Finance Protection Bureau as well as the North Carolina Department of Justice Consumer Protection Division and the Better Business Bureau.

Company response to consumer: Closed with explanation