milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: Credit reporting agencies collect, retain, and distribute my personal and financial information, most of which is done without my explicit consent. Now one of these agencies has compromised the data of nearly every American adult. I should not have to pay a fee to freeze my credit, or an additional fee to thaw that freeze later. I would like governmental intervention to make freezing and thawing free.

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 05-04-2017 about Debt collection (Payday loan debt) with BTH Management (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Plaza Services opened an old closed/paid account and marked it as delinquent on my   XXXX   Report. Ive been working on my credit for the last 3 years.. Proud to say I paid off all of my debts. Since    XXXX   XXXX      a mysterious payment from Plaza Services appeared as a collection on my  XXXX  report. I check all my physical mail and email, I never had any collections or payments due to "   XXXX   XXXX   XXXX   '' which is the company Plaza Services claims they are representing. I decided to call Plaza Services, calling them feels like you are calling someones personal cell phone. They are never available and ask you to leave a voicemail, which they do not return. I also emailed them, and have not recieved a email back.  3RD  Time I called a got a man on the phone, he asked me for my full SSN, which i was hesitant to give over the phone but since this charge was on my credit report I thought they were a legitimate company and would not be fraudulent. So foolish me i gave them my SSN, ( shouldnt collection companies only ask for the last  4 of SSN just  to verify your identity? Unless they didnt have it at all since they are the fraudlent company ) after I gave my SSN he said he would send me the documentation to confirm my debt with   XXXX   XXXX   XXXX  , he said he would send it in an email, i have yet to recieve this confirmation. Now he has my SSN and is going to do  XXXX  knows what with it. I called back 2 days ago to let them know i never recieved any documentation regarding this debt. The woman on the phone had the rudest attitude and didnt sound professional at all. She sounded like i was interuppting her day, like im calling her personal cell phone. She asked me for my SSN again and I said i would verify my account another way. She said their was no other way  ( w hich i know is a lie ) so I told her that i will have to settle this account another way then. I called  XXXX  and had this company flagged on my account also disputed the charge. I also called   XXXX   XXXX   XXXX   to ask them who i can speak with to verify any account i had with them that was late, the representative told me she would transfer me to corporate and then hung up on me.

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 01/18/2018 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (CT).
Issue: Trouble during payment process

Complaint: PHH is the servicing company for XXXX, which holds the mortgage.I tackled with PHH in XXXX 2017 about paying my property taxes early, due to the new tax laws. They advised me to do so and then send them separate receipts for each quarter  paid (I paid two quarters) via fax and then to follow up by phone two days later. They also advised that 10-days after my call they would be able to review my escrow account and return any overpayments to me.I followed the above procedures and asked for an escrow review. PHH advised me that two-days after my call they mistakingly sent payment to the XXXX XXXX XXXX for quarterly taxes and that I would have to wait for the money to be returned before they would review my escrow and return funds.The net is, they have asked me to fund their mistake and have been completely unresponsive, either not calling back for days or simply putting me off. I have gotten nowhere with them and would appreciate your intervention so that they immediately return the funds with interest credited from the day they removed them and, accordingly, review my escrow and return the overage.Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2015 about Debt collection (I do not know) with Credit Bureau of Lancaster County, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After Credit report disputes the Credit Bureau of Lancaster County , Inc . 
( XXXX County PA ) Is unable to provide an agreement of services or any signed document of a XXXX $ bill that is showing delinquent on my credit reports. 
They did however request that I pay the bill and request that it be removed from my report. I refused to acknowledge the debt. 
This is not a debt that I agreed to nor did I authorize. 
I was willing to actually pay it if it were completely removed from all XXXX major credit reporting agencies of which the Credit Bureau of Lancaster County , Inc . Refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Medical) with MERCHANTS ADJUSTMENT SERVICE, INC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: MAS telephoned a neighbor of mine regarding an old medical debt that my daughter has. It is not even my debt. I believe this is completely illegal. The representative from MAS was a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have submitted disputes to Equifax for over 2 years and also to CFPB only to have the same information continue to be reported wrong on my credit report and the results of my disputes not sent to me I can not access my report in anyway shape of form they will not correct the information and have been none complaint to my requests, there are 7 accounts with XXXX XXXX that should be only reported as closed paid in consolidation and the remarks removed. I have a positive consolidated account from XXXX that is not reporting wrong and I 'm not requesting a dispute. Also there are 8 accounts from the Department of Education reporting as included in bankruptcy which should only be reported as closed and paid. Student loans are not included in Bankruptcy I have contacted XXXX & the Department of education and they have continued to state they have n't been contacted by Equifax to verify the information. 

I have sent them proof of identity with my dispute and I have concerns about my information as they have had 2 published security breaches recently. 


Equifax has not provide me a copy of my report after at least XXXX disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, my wife and I sent a letter to Experian that requested that they investigate errors on our credit report. My wife has already received her portion of the response from Experian, listing the corrections made. Unfortunately, I have not received a response to my portion of the request, and more than 30 days have transpired.

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 07-08-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Problems caused by my funds being low

Complaint: Chase bank continually back dates ACH transactions so that they can charge me overdraft fees. I make payments to come out the day that I get paid and they always backdate the payment to the day before I get paid. They then charge me {$34.00} for each overdraft fee. They also continually put larger transactions through before smaller transactions so if I do get an overdraft that they can charge me {$34.00} for each transaction evenn if its only {$5.00}. These are predatory practices. I have been suffering severe medical issues lately and they have also taken away my ability to make mobile deposits on my checking account. It is dificult for me to get to the bank to make a deposit there. I believe this is another attempt for them to maximize their overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XXXX XXXX, 2017, BankMobile desposited my XXXX XXXX XXXX refund of {$720.00} into a JP Morgan Chase bank account that is not mine. I 've made several claims, spoke to dozens of representatives and " customer service specialists '' from each of the companies and they all ran me around in circles. I just want my refund so I can get the things I need for school. It 's been two months and still no results or explanation on how this even happened or how they can fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: For more than XXXX years, XXXX XXXX and its subsidiary, Portfolio Recovery Associates, have tried to wrongfully and unlawfully collect a number of alleged third-party debts from me. 

As a XXXX-party, bulk debt buyer and debt collector, XXXX XXXX and Portfolio Recovery Associates have knowingly and intentionally engaged in business practices that are in violation of state and federal law. 

In every effort to collect an alleged debt from me, XXXX XXXX and Portfolio Recovery Associates have made material misstatements of law and fact. 

XXXX XXXX has worked to collect an alleged XXXX account that continues to ignore the fact that the alleged, XXXX-party debt is barred by the statute of limitations. 

XXXX XXXX wrongful and unlawful statements, practices and acts have caused personal, professional and financial harm to me. 

In 2015, XXXX XXXX continues to ignore the law and settlement agreements. 

Shame on XXXX XXXX, its executive team and its shareholders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied for an XXXX XXXX credit card around XXXX. They sent me the card with a low limit because Experian said my credit score was XXXX XXXX XXXX has my score at XXXX ( EXCELLENT ). The paper work that XXXX XXXX sent me with the credit card said I could get a complete credit report from Experian without charge for 60 days after this date. I called the toll free # for Experian & went to their website. Each time they wanted a credit card number. This is not free. I contacted XXXX XXXX & they gave me their website which was supposed to have the credit report. NO RESULTS! 
What is the problem?? 

XXXX 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 03/30/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CONVERGENT OUTSOURCING , INC . 
XX/XX/XXXX XXXX, FL XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CONVERGENT OUTSOURCING, INC. or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CONVERGENT OUTSOURCING , INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I surrendered my vehicle back to the bank last year. Eventually the vehicle was picked up. The vehicle has been resold at a higher price than what I owed left on the vehicle. But my credit reports shows that I still owe them. I have tried to dispute my credit reports. One of the credit report deleted the information. But the others remain.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Credit card debt) with National Credit Systems,Inc. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: National Credit Systems amount is {$1500.00} and I have sent National Credit Systems a debt validation and National Credit Systems has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an open complaint against Nationstar Mortgage. My CN is XXXX. I would like to file an additional complaint against Nationstar for violating my privacy rights, subjecting me to potential identity theft, harassment and fraud. Per Nationstar I am in default on my mortgage. I have disputed this situation with them, and they are reviewing my concerns and have directed me to contact one of their " dedicated loan '' specialist for assistance and or if I have questions. I have contacted this person, a XXXX XXXX on several occasions, faxed him information, called him and requested return calls, and sent a payment to him via XXXX Mail with a statement disputing their, all to no avail. Each time I call he never answers my calls, and never calls back requested. However, they Nationstar sent someone to my home, Saturday, XXXX XXXX to talk to me and leave a note on my door and tell me they wanted me to call Nationstar? I called them Monday, XXXX XXXX and told them I would send them I would send them my " arrears '' Wednesday, and they said they would note my account to that effect. Later the same day, I received a letter from a person in New Mexico with the check I sent Nationstar ealier this month informing me that he did n't understand why Nationstar had sent him my mortgage check? In addition to his letter I also recieved a mortgage statement from Nationstar that listed my arrears, plus it also reflected that my payment for the month of XXXX was outstanding, so I was being charged a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: During the year  XXXX , I was late paying my mortgage payment for 3 months. Prior to the fourth payment 's due date, I rendered all late mortgage payments plus all late fees. Shortly thereafter, I received a document from Bank of America indicating that unless I discuss the situation with the entity, payments rendered my not be applied to my account. I did n't discuss my financial situation with Bank of America therefore, the non-delinquent account was sent to a collection agency for recovery. Collection agency representatives constantly placed collection notices on my front door knob and rang my door bell or knocked on my door. Because I did not respond to their demands,  XXXX   XXXX   XXXX  was dispatched to my resident. The representative placed a notice on a window near the front door saying the resident was vacant. As I was observed entering the home through the garage, a second notice was placed onto the garage door. Once I dial the telephone number typed on the document, a recorded massage said ; if I did not contact that agency, someone will change all the locks on the structure 's doors. Bank of America has mishandled my loan 's escrow account. The financial institution did not pay my property taxes and insurance premium. Today,  XX/XX/XXXX , someone dispatched the police to my resident to apprehend a squatter. However, I am not a settler with no legal title to the land occupied, The police officers wrote an inaccurate and would not provide me with the name of the person whom reported the incident. During my conversation with both officers, I said, I was late on a few mortgage payments but, they were remitted. This incident report is suspicious. I will attempt to encourage the po lice officer to a mend his report.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To whom this may concern, I have requested that Fifth Third Bank remove a charge off account on my credit report for the past two years and they have refused to do so. I have disputed the account as well several times with no luck. I had a secure credit card with Fifth Third Bank, which they are not reporting to the Credit Bureaus, and while I had the secure credit card, XXXX XXXX XXXX of XXXX was unlawfully charging my credit card which made me have a really high balance. XXXX XXXX had a lawsuit against them, which I received a letter for, because they were charging individuals without their permission. I have explained this to Fifth Third Bank at least fifteen times over the past two year and they have done nothing about it. I feel as though I should not be responsible for XXXX XXXX charging my account without my permission and for Fifth Third allowing them to continuously charge my account without calling or sending me notification of the activity that was taking place with my credit card as a safety precaution. If they would have notified me of this activity, I may have been able to stop the charges from happening and avoiding this destroying my credit. At this point, I am requesting again that Fifth Third Bank deletes this information from my credit report as I was not the individual charging the account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (VA mortgage) with GMFS, LLC (AR).
Issue: Loan servicing, payments, escrow account

Complaint: We had an issue of a plumber breaking a pipe and flooding our home..the new plumber did not get a permit or have his work inspected.when we had a city and state inspection done there were many things he did out of code he received a fine but we have had XXXX plumberso in the home to correct his mistakes and have not lived in the home for 1 and 1/ 2 years I informed the mortgage company and had to miss 3 payments since that time I have been deny the opportunity to pay the next 3 months every month I have been told I can not make any monthly payment just the entire am trying or nothing and of course the bill gets higher.. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Once i graduated i was not aware of all the Loans that i took out for School. A couple months after graduation i started receiving phone calls from Sallie Mae saying that i am past due on my balance. I first checked with the school to ensure that i did in fact take out this loan that was about {$7000.00}. Once i confirmed that i did i set a payment plan up with them. I was to pay {$700.00} for the first XXXX payments to catch up. My first payment was taken out of my bank account from Sallie Mae so i did n't think anything was wrong. I then got a phone call from a bill collector referring to the loan. I told them that i had worked out a plan with Sallie Mae and they had already taken the first payment. The bill collector said that i was to pay them due to Sallie Mae contacting them. I started paying the bill collector until i could reach out to Sallie Mae and figure everything out. It has been a little over a year and when i call them they say they are working on it and someone will call me back. I still have not heard back from them and this is ruining my credit. I still continue to pay the bill collector hoping that i can get this all figured out and restore my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation