milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am receiving harassing letters in the mail from a company by the name of  Portfolio Recovery Associates, LLC  demanding that I pay them for a debt that is not mine. I have seen this company on all three credit reports (  XXXX ,  XXXX , and  XXXX  ) I have DISPUTED with the bureaus by sending certified letters to each  one a sking the credit bureau and company asking for proof/valididty/andverification ; because I am not aware of EVER doing business with this company. I ha ve YET to get an y proof or signature or contract ; because there is no contract. I have disputed all of these accounts twice ; first attempt was  XX/XX/XXXX , second attempt was XX/XX/XXXX  After further research the second complaint I have is they will not validate the " debt ' they claim I owe to them. I did NOT sign a contract with this company and have never identified as such " debt '' with them. Next complaint, they are not licensed to collect in the state of Arkansas. The original company has been paid and my account has been closed with them. I have no relation ship with this company Portfolio Recovery Associates, LLC. Iv e never spoken with a representative and have neve r signed one singl e piece of paper or verified any information regarding my identity to them. As of  XXXX  I have sent out certified letters asking the company to cease and desist from contacting me or I will persue legal action ; as it is my right. This complaint with CFPB is my first step, and then legal action will follow. I have rights as a human being, a n American citizen and as a consum er and these companies are taking advantage of people whose debt does not belong to them and has already been paid. The company they claim they are on behalf of has told me I do not owe them a debt and the account is closed.  Portfolio Recovery Associates, LLC h as done inquiries on my credit without asking me and without permission ; this is a VIOLATION of my privacy and personal information that I DID NOT give them access to. I have NEVER given this company my social security number or spoken with anyone giving permission to run the credit report this is FRAUD! I have copies of the following inquiries placed without my permission Dates are as follows :  XXXX  :   XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  ....  XXXX : XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  ...  XXXX  : ill have to research but there is about  XXXX  on there as well. This company is illegally pursuing debt collection and it is not fair to the common people.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XX/XX/2016, I open a capital one Credit card of XXXX $ limits and every time I submitted a payment my bank keep returning the payment so capital one decided to closed my card every since they put a bad report on my credit file and saying that I missed payment and even though I'm no longer have relationship with capital one they still pulling my credit report about a couple times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Equifax several times over the past two to three months advising them that there were multiple requests for my credit file ( inquiries ) that I do not recognize or recall authorizing. Equifax has refused to remove the information ( inquires ) stating that it is a factual record. I have submitted written documentation requesting for these inquires to be investigated and Equifax again, refused to remove the information. I have notified Equifax that my information was compromised by a security breach from the federal government which was a previous employer and Equifax still refuse to remove the information. I have sent verification of my identity and requested in writing for this information to be removed and Equifax has refused to do so. I would like this information removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit card or prepaid card (Store credit card) with Alorica Inc. (TN).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have had a store card from XXXX XXXX for over 10 years. Late XX/XX/2016 I had taken advantage of their 18 months no interest financing offer when I had bought a brand new house and purchased a washer, dryer, refrigerator and two televisions. Long story short, I have consistently paid on time and a couple of months noticed that it seemed my balance was not going down. So I looked into the statements for any transactions or hidden fees and I noticed something labeled Enhanced Debt Protection. I have been getting charged this fee for quite a significant amount of time now and I not only called XXXX XXXX but also called representatives that dealt with the program. I explained to them that I had never opted into any sort of program or agreed to pay a monthly fee. I requested that not only do they terminate this program, but also refund my money that they've been sneakily charging me for all this time. That was nearly two months ago. They stated I had opted out of the program and that I would receive a letter containing their response to my refund request. I have yet to receive any such letter, so I called mid month this month and they told me it must have been lost in the mail. They put in another refund request and informed me that it'd be yet another 30 day wait till I receive a response, literally just biding them more time and starting the vicious cycle over. I am outraged at this company and XXXX XXXX for not being more helpful with this process and cheating loyal account holders off of hundreds if not thousands of dollars. The only fair resolution to this scam is to reimburse in full.

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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: credit bureaus have failed to remove fraudulent accounts off my file that 's a result of identity theft

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was affected by the 2017 cyber attack on Equifax. See : https : //www.equifaxsecurity2017.com/

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened X/2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XX/XX/XXXX and XX/XX/XXXX and they would not listen or try to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: 1 ) On XXXX XXXX, 2016 I mailed my monthly mortgage payment to Citi Mortgage. I mistakenly sent {$3500.00} instead of the correct amount of {$3800.00}. 
2 ) Citi Mortgage cashed my check on XXXX XXXX, 2016. 
3 ) On XXXX XXXX, 2016 Citi Mortgage mailed a mortgage notice that stated " Our records indicate your mortgage payment is overdue and we have not received it ''. 
4 ) I was traveling out of state on business XX/XX/XXXX. 
5 ) I first opened and read the mortgage late notice and statement the evening of XXXX XXXX, 2016. On the statement it shows an amount due of {$7700.00}. this amount includes the XX/XX/XXXX and XX/XX/XXXX mortgage payments of {$3800.00} and a late fee of {$15.00}. THIS STATEMENT IS DECEPTIVE, CONFUSING, AND MISLEADING. Citi Mortgage had received and cashed my partial payment of {$3500.00}. 
6 ) XXXX XXXX, 2016 at XXXX XXXX. XXXX on I called the Citi Mortgage Customer Service Department. I was told the conversation was being recorded. The Customer Service Representative agreed to eliminate the {$110.00} late fee due to our perfect prior payment history. I was instructed to mail the {$300.00} XX/XX/XXXX balance and the XX/XX/XXXX payment of {$3800.00}. I offered to make the payment by credit card and they refused. I mailed the {$4100.00} payment and my on-line checking account record shows the check was deposited XXXX XXXX, 2016. 
7 ) Citi Mortgage mailed a Default Notice dated XXXX XXXX, 2016. I received and opened the Default Notice on XXXX XXXX, 2016. The notice states : " We have notified a credit bureau about a late payment, missed payment, or other default on your account ''. CITI MORTGAGE DAMAGED OUR CREDIT LESS THAN ONE DAY AFTER I LEARNED OF THE {$300.00} SHORT PAY AND AGREED WITH THEIR CUSTOMER SERVICE TO SETTLE THE MATTER. 
8 ) As instructed, I mailed a letter of complaint to Citi Mortgage with all of this information. Their XXXX XXXX, 2016 letter of reply refuses to change the status of our credit bureau report. My XXXX XXXX credit rating has gone from XXXX to XXXX. THIS IS UNFAIR AND UNETHICAL. 
9 ) I request the assistance of the CFPB to correct this situation and to help me clear my record.

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 11/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Other fee

Complaint: I have a American Express XXXX XXXX XXXX which has a feature of upto {$100.00} Airline Fee Credit for incidental fees ( e.g., baggage fees, flight-change fees etc. ). It has been more than 3 months since I had used the card for the selected airline checked bag fees for {$50.00} and I have n't seen the credit yet on my account. I have called more their customer service m XXXX times and have been transferred from XXXX agent to another ( atleast 30 minutes call each time ) but no one is able to help me out yet. Once the agent promised that I will see the credit about 2 months ago, but I have n't seen the credit yet. The airline is disingenuous in promoting this benefit to the cardholders. I am currently in the process of moving to a XXXX and I will be responsible for paying this fees as I have to close my XXXX account. I want to write a formal request for AMEX to make this process transparent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is debt belong to my son XXXX XXXX who passed away on XX/XX/2016. The Bank of America used the collector agency XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. Tel XXXX. In the amount of {$890.00} Ref # XXXX. Turned over this debt to my name, who is the father. 
My name is XXXX XXXX. I do not have anything to do with this debt or any knowledge at all. I Do Not co signed anything on this debt. I already sent out his original death certificate to Bank of America notified, verified after his death. XXXX XXXX sent me Certified letter that the debt {$890.00} was once belonged to XXXX XXXX now is be under my name XXXX XXXX. Why is that? 
Do I have responsibility to all my kid ' s XXXX Till I died too? 
Sorry to say, I have been paying his life insurance all this time, did not know I paid for nothing because he was over XXXX years old. 
Now for this I did nothing, 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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Experian is not taking this XXXX seriously. On my times and she is ignoring me about my credit score abs not to delete everything off completely of my address , inquires, collections department they are holding and lying 35 XXXX  times. I have to then to court pretty soon.  People can't fix my XXXX sincXX/XX/XXXX, or on my XXXX times . Off now. And the XXXX date to where I cant see it no more on my XXXX phone XXXX as well. .

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 04-02-2015 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (MI).
Issue: Fraud or scam

Complaint: Because limited space in this section, see attached word file " XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On or around XX/XX/XXXX i applied for a mortgage, i received 2 credit inquiries on my credit report instead of one. One was on XX/XX/XXXX and the second was on XX/XX/XXXX under the creditor name CREDCO. I want one of the 2 inquiries removed so it does not drag my credit score down even more

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 08/29/2017 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: Received a letter ( Exhibit A ) dated XX/XX/XXXX informing me that I owed {$2100.00} in damages and other charges for my recently returned leased vehicle. 

I responded by mail on XX/XX/XXXX ( Exhibit B ) and raised my concerns about the cost. 

I received another letter ( Exhibit C ) dated XX/XX/XXXX that did not address the concerns raised my XX/XX/XXXX letter. I called the company and they informed me that they never received my letter. They advised me to fax it, which I did on XX/XX/XXXX. Confirmation of fax receipt attached as Exhibit D. 

I recently received another letter datedXX/XX/XXXX that restated the XX/XX/XXXX letter. There has been no effort made to respond to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the past few months I have sent correspondence related to  XXXX  different items on my credit file and everytime I receive a generic response saying account update or verifyed but every time the same incorrect info is listed. When correspondence was sent to original creditors I use the address on my file and after a week or so both were returned because of the incorrect address from my research all info on my credit file has to be 100 % correct or the item must be removed. After receiving both certified letters backs as returned I then made photo copies of both returned envelopes along with a letter detailing when I 'm requesting both items have been updated although I 'm for a face that the addresses are incorrect if the letters have been returned from the USPS. The  XXXX  items I 'm referring to are   XXXX    XXXX   XXXX  and  XXXX   XXXX   XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: My pleasure. My name is XXXX XXXX yesterday. I 'm. See into my credit report. My name is error. In my name to. my social is XXXX in my is XXXXis incorrect.. Please help me XXXX blessing

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 07-01-2016 about Credit card () with TD BANK US HOLDING COMPANY (RI).
Issue: Other fee

Complaint: I purchased Groceries on a Target Red card in exchange for 5 % off in XXXX 2016 I received no bills from Target or reminders regarding payment-XX/XX/XXXX to XXXX as far as I can tell XXXX XXXX 2016 They started charging me late fees Original purchase was {$50.00} End of XXXX with late fees this was XXXX I got a letter by mail saying I was 56 days late with a Large late fee and Interest on a & lt ; {$50.00} purchase and they would not reverse it and reported it to credit bureau

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXXOffice of Consumer ResponseConsumer Financial Protection BureauConsumerfinance.gov ( XXXX ) XXXX ( XXXXREFERENCE : Select Portfolio ServicingXXXX XXXX XXXX XXXX, XXXX XXXX Number : XXXXAccount Number : XXXXDear XXXX XXXX : Selected Portfolio Services is my mortgage servicer. I have entered dialogue with this servicer due to the following : In 2015 I received approximately {$5000.00} in funds that had been held back in error when my loan was transferred from XXXX XXXX XXXX to Select Portfolio Services. 
During this period SPS reported late payments and other derogatory information to the credit agencies. This has damage my credit and made it impossible to receive mortgage financing. I am requesting compensation. 

SPS escrows my taxes. SPS failed to calculate the taxes required and did not make a tax payment on time. This causes the local county to place a tax lien on my property. 
This contributed to my poor credit rating and credit distress. 

My original mortgage was with XXXX. I was living overseas at the time : This mortgage had undisclosed PMI insurance. 
The mortgage was uneconomic in that the annual mortgage P & I is less than the property taxes. This was not disclosed. 

SPS modification was simply fraud : The modification decreased the monthly P & I from the original {$2700.00} to $ XXXXThis modification on a payment basis is insignificant and does not provide relief. 
I like for this mortgage to be exclude for in favorable HAMP reporting and financial benefits. 

I have had the house on the market over the past modification. The P & I to Property Tax ratio push buyers away. I will need a principle reduction to {$750000.00} to make the home attractive to buyers and fair to me. 

SPS has placed PMI insurance of my HAMP loan which was undisclosed to me. 

Please help. I am XXXX now and would like to remedy this due to XXXX. 


Sincerely, XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received notification on XXXX XXXX 2017 that Equifax was hacked.
I accessed their webpage XXXX XXXX XXXX and was notified that my information may have been affected by this hack.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because my multiple requests have been ignored by Experian. I have requested to be provided with documents that their company has on file that was used to authenticate and verify accounts shown on my credit report, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be authenticated and validated with accuracy, that I disputed. 
I originally mailed a letter on XXXX XXXX, 2015 to Experian requesting verification and validation of multiple accounts reporting in error. There were account that remained on my report but I never received validation or verification of the accounts. I followed up with a letter on XXXX XXXX, 2015 and again on XXXX XXXX, 2015 requesting a re-investigation. Once again accounts remained on my Experian report but I did not receive validation or verification of the account. 
The following accounts remain on my report without being provided authentication or validation the information is in fact accurate : State tax lien Fed XXXX lien XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Please resolve this manner as soon as possible as I have attempted multiple times to be provided with evidence of these accounts and have yet to receive any validation or verification of these accounts.

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 10-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: XXXX XXXX processed a loan for me and my parent. In order to approve the loan they elected to process the request with me as only the student but not as a co-borrower or student borrower. This loan request was illegally processed and they have ignored and/or denied repeated requests to correct the information.

Company response to consumer: Closed with explanation