milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2016 about Mortgage (FHA mortgage) with Paramount GR Holdings, LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: Unfair and deceptive acts performed by Paramount Equity Mortgage Company has caused financial injury and strain for my family in several ways. 

In XXXX 2016, I was initially contacted by Paramount as result of inputting my information with an online mortgage broker company, namely, XXXX XXXX. My interest was to refinance my home for the first time in 10 years. I was in contact with a few institutions to explore opportunities. However, Paramount Equity gain our interest and attention with verbal and written promises such as, 1. {$500.00} guarantee that they 'll beat competing offers. 
2. Immediately submitting paperwork to lock in a very good rate ( better than average ) 3. Closing in less than 30 days 4. Being a smaller company permits them to waive excessive fees. 

Within two weeks I signed and provided every document necessary to close. Suddenly, correspondence had stopped. I tried daily and multiple times to contact my representative ( XXXX ) to get an update but no response. 1 week later I was contacted by Paramount and was notified that my original representative decided to leave the company for unknown reasons. However my new representative ( XXXX ) took over and made similar promises and proceeded. Immediately he wanted to change the terms of my initial contract. I complied and signed. Then I did n't hear from him for weeks. A few weeks later he emailed and said he forgot to include important information that will eventually prevent us from closing. 

I 'm extremely disappointed and feel duped for several reasons. Paramount Equity Mortgage Company : 1. Did not disclose all risk in the initial stages. 
2. Seemingly creating problems to not close and revise terms as a result of over promising. ( They claim to not know I was married even after having my tax returns and other documents ) 3. Took {$500.00} for an appraisal that was absolutely unnecessary. 
4. Took 60 days to tell me they " forgot '' to include information at the beginning of the process that ultimately hindered my refinance opportunities with other institutions. 
5. I had a late charge on my current mortgage because of anticipation of close. 

I am absolutely convinced that Paramount Equity has serious problems with their compliance management infrastructure, such as training and internal controls. Attempting to conduct business with this company has been horrendous for my family and me. Currently we are attempting to start the process all over in spite the blemishes ( caused by Paramount ) on my credit report. This company should n't be in business as its causing great harm in the marketplace.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ResidentCollect, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of identity theft by a person living in the state of Texas. I have always lived in the state of California. 
I submit a police report, credit made by a person who stole my identity and bank statements showing that I have lived in California. 
My credit report shows a debt on behalf of the company " Innovation Recovery , Inc. '' for the lease of an apartment in the city of XXXX, TX, during XX/XX/XXXX to XX/XX/XXXX. This contract was signed by a person who stole my identity in this state, the signature and contract information do not correspond to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a XXXX XXXX XXXX and XXXX XXXX equity line account at is over 7 years old and it should be remove for my account. Equifax refuse to remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: all  XXXX  bureaus fail to remove  XXXX   XXXX  from  XXXX  years ago!   no replies no response numerous request to investigate with no action taken

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 05/27/2017 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Account Details Last Reported   XXXX   XXXX   XXXX    Collection Agency CAINE & WEINER COMPANY INC  Original Creditor  XXXX   XXXX  Status Open Opened Date   XXXX   XXXX   XXXX   Closed Date -- Responsibility Individual Account.   Balance {$3700.00}  High Balance {$3 700.00}  Remarks Consumer  disputes this account information  No Idea  about this account

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: While going through the OFAP process i experienced problems with both XXXX and my loan servicer, OCWEN. XXXX failed to act impartially, ensure that relevant documents were made available and explanations provided where needed or requested, refused to respond to emails from my housing counslor asking for assistance, failed to assure required documents were submitted, failed to conduct an even-handed and fair resolution conference, and failed to get in writing lenders HAMP offer. 
OCWEN placed lender flood insurance back in XX/XX/XXXX that i am still fighting to get reimbursed on and they still deny that they did it even though my transaction history that they provided through the portal during my OFAP application process shows that they did. I sent a certified letter to them disputing my debt and they mailed back a letter that basicly just said " no we did n't ''. I have proof of my coverage and their charges. During the OFAP process they refused to give me my NPV or my PSA. I never had a single point of contact. Neither i nor my housing counslor could ever get ahold of the same person XXXX. They keep acting like they are considering my modification and yet they move forward with foreclosure while telling me they are not. Charging unauthorized fees and not showing what they charges are for, plus math that i just can not figure out. They have found a way to abuse the program by claiming your application is incomplete. All they have to do is say so and either refuse to accept documents, say they were late, claim they did n't receive them, or just keep asking for the same document again and again no matter how many ways you send it or how many times. I have been trying to do this program since XX/XX/XXXX. They have lied, abused, decieved and ground me down to nothing. I have filled out their RMA XXXX times. I faxed the latest one this morning. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rash Curtis and Associates (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: There is an account purchased by a company called Rash Curtis & Associates from XXXX. I disputed this item with both the original creditor and the collection agency. This account was opened in my name fraudulently. When the company verified this account, there was no association to my social security number, driver 's license, or address. It just has a name that is close to mine. This company is refusing to follow the laws by removing this unverifiable, fraudulent account. I have contacted the original creditor, XXXX, and XXXX, said that there is no account opened using my personal identifying information. This account was opened in a different state and an address that I never lived in. The only thing that links this account to me, is a similar name. The person who opened this account has the same first and middle name as me, but a different last name. I sent this company and the original creditor proof of my residence at the time that this account was opened, a fraud affidavit and a dispute letter stating that this account was opened by identity theft. They are refusing to close this account and to stop reporting this account on my credit report. According to the original creditor, this account was opened and defaulted in XX/XX/XXXX. They are reporting this account as opened in XX/XX/XXXX to attempt to re-age this account. I have disputed this account with this company several times, explaining that this is not mine and since insist that my personal info was used to get this account, I filed a police report. I am preparing myself to bring civil charges against this company. I meet with an attorney tomorrow because they have violated the law and have caused me to be denied credit for a refinance which has caused me a financial hardship. I plan to bring suit to this company. I recently presented this information to the bureaus and am awaiting a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: Citibank calls their new credit card as Costco Anywhere Visa card but the " anywhere '' is an oxymoron and deceptive marketing. I do n't remember reading a foreign transaction fees in the card holder agreement, however it is not mentioned on the webpage that lists the benefits of the card. 

While I was in XXXX earlier this month, I used this card more than the other credit cards, since the foreign transaction fee did neither show up on the use of the card, nor the same day, nor the next few days. The foreign transaction fees showed at the end of the month on the billing statement. Which to me is unethical as the transaction should have shown as soon as the card was used. I did have other choices, but was misled by the " Anywhere '' name on the card. If it were truthfully an Anywhere card, the rules and regulations should be the same. Or at the least, I should have got a warning or alert of some kind as soon as the card was used or by the close of the business day. 

On a side note, Citibank is suing XXXX for gratitude as a variation of " thank you '' to their customers, even though the XXXX businesses have nothing in common and they have unique customer base. 

My perplexity is about the deceptive marketing and use of oxymoron in the name or in the terms and conditions.

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 03-07-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a credit card with XXXX and now the debt is owned by Midland Credit from what I am told. The original amount of the credit card was XXXX in which has been charged off by XXXX and Midland Credit it trying to collect over 1700 from me who is a student and do n't have alot of money. I received a lawsuit paper from XXXX and XXXX who has not been negotiable with the debt, I have tried several times to offer them half of the XXXX which I do n't understand why I would have to pay more than what I owed and they refused and want me to pay XXXX. I have agreed to making XXXX payments a month for now, but want to just get rid of this and make the original offer of XXXX which would be less now. I need for you to help me in this matter and collection agencies are relentless and now have a lawsuit pending in which is on hold for now since I made a payment arrangemtent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Credit card protection / Debt protection

Complaint: We received a Chase/Amazon Credit card without our request, approval authorization or knowledge on XXXX/XXXX/XXXX. We called Chase and terminated the card immediately. They advised us to place a 90 day alert on our credit card. Since the recent fraud issues by XXXX XXXX, and since the card was not requested, we are concerned. Someone accessed our Credit Information without our knowledge. Your complaint data base has other complaints against Chase for those who like us already have a chase credit card and were issued another card without their knowledge or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My doctor ordered me to take several medical tests. He did not disclose that there would be a copayment cost with each of them. He is obligated to disclose this to me up front as I am a XXXX patient. I wrote a letter to the medical company saying I should not have to pay the copayment charges as I am a XXXX patient and am supposed to be told up front if there would be any expense to me. The medical company did not reply to my letter but shortly thereafter I received a letter from a collection agency that I must pay. The medical company saying I owe {$100.00} is XXXX MO XXXX. The account with them is " Re : XXXX XXXX XXXX Acct # XXXX {$100.00} ''. The collection agency they used is : Transworld Systems Inc. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MI XXXX. Their reference is : XXXX XXXX XXXX XXXX, Total Balance {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Consumer Loan (Installment loan) with Flurish Inc. (CA).
Issue: Managing the loan or lease

Complaint: XXXX lost XXXX payments I made. I filed a claim on the first payment made on XXXX, of {$50.00}. I got credit for this. Then my next payment of {$50.00}, made on XXXX these people charged me {$25.00} and said " customer refused to authorize ''. Per XXXX XXXX XXXX this did NOT happen, and payment was paid by my bank I sent my bank statement from XXXX to XXXX to show them payment cleared my bank and not returned. They STILL confused the credit I got from XXXX payment, with the XXXX payment. They now will not even answer me, very unprofessional. They are trying to cheat me out of {$25.00} for the returned fee. Will not post a {$20.00} payment I made on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Student loan (Non-federal student loan) with Northstar Location Services, LLC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: This debt is over 4 years old which is the statue of limitations in Texas. Loan least been charged off by XXXX bank but a 3rd party has started calling my cell phone and my son 's cell phone leaving threatening messages. I want them to cease contacting XXXX numbers.

Company response to consumer: Closed
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXX XXXX XXXX XXXX XXXXXXXX mentioned 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 11-11-2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have requested for Experian to provide me on how they verified the information on my report. These are not my accounts. I asked the following : " Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Please tell me exactly how you verified them and include the full name of the person you spoke with. '' Yet, they sent me a very generic response. They are not responsible with handling customer disputes and verifying account info. And they keep allowing the same company to post fraudulent inaccurate accounts to my credit report. This company keep changing account numbers and are an illegal operation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The inquiries, which appears on my credit report from ALLY FINANCIAL dated X/XX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XX/XX/XXXX  I have contacted  GM Financial to ask th em to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that  a 7 yr c lock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over. GM is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My Chase XXXX card has 9 charges that are fraudulent. They all say they are from XXXX. 
I disputed these charges, they were then temporarily credited to my account, then after Chase 's " investigation '' they were charged back to my account. I have repeatedly told Chase that these charges are fraudulent. They sent a letter which listed these charges, without stating what they were, just that they are from XXXX, claiming that they are not fraudulent. I have repeatedly spoken to Chase representatives and sent secure messages on the Chase website, stating that the charges are fraudulent. PLEASE HELP!!! I am XXXX years old and calling Chase and sending them messages repeatedly is very disturbing. 

dispute posted re- Case Number Date Opened Transaction Date date Description Dispute Amount trans # posted XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$46.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$36.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX, FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$48.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX $ {$400.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Debt collection (I do not know) with Direct Recovery Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX Received an email ( 1st contact ) at my place of employment from Direct Recovery Services ( XXXX almost 12 yrs now ) - I had a ChXXXX Bankruptcy cleared in XX/XX/XXXX. I have never heard of this company nor the named " original creditor '' ( XXXX ) - nor have I ever received any previous emails, voice mails nor USPS mailed letters to the effect. They ( DRS ) have used an address in the header which I have not resided, for over 8 yrs ( I have moved 3 times since, but cell phone number has not changed in over 10 yrs, and mail continuously forwarded via USPS ). This supposed debt has not been on any copy of my credit report that I can recall.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient has been contacting and leaving messages with friends who are not listed on the account and do not have anything to do with the account. They have my current information and I have spoken with them on numerous occasions. I know that it is in violation for them to call a third party more than once and leave a messages for/to the third party.

Company response to consumer: Closed with monetary relief