milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed several times about bankruptcy on my report and also XXXX XXXX, not me, please validate and investigate. Equifax removed bankruptcy and now reposting again.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 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: Trans Union has refused to remove my consumer statement and to provide an updated credit report reflecting that the statement has been removed. Pursuant to receiving my free annual credit report on XX/XX/18, Trans Union have failed to act upon my 3 written requests to remove my consumer statement.

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 06/30/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Trouble during payment process

Complaint: This is a follow up to compaint nbr XXXX posted on same site. While JPM has contacted me twice during this week, they are now stating that my loan is a conventional loan. <P/>However, JPM representative assigned to the case, XXXX XXXX who is acting as a liaison between the mortgage unit manager and myself, does not know exactly what transpired at the time. She was trying to get information as to how I came about the rate and the loan application. It is obvious to me that the purpose of obtaining that information from me is so that they can formulate their argument/excuse as to why I received the incorrect interest rate. <P/>Furthermore, I requested that JPM post her communications thru this site and she confirmed that indeed all our communications were posted here. However, I do n't see any posted on the CFPB portal. <P/>I restate that JPM after confirming that they indeed granted me a Harp loan, they did n't honor the available rates at the time which were below 4 %. Back in 2011, JPM insisted that the only rate I qualified for was 5 % and only if I increased the term of the loan. The effect of the change did decrease my monthly ; however, it increased my overall amount when i had excellent credit. I had at the time 2 mortgages and even under the worst personal financial difficulties, I never defaulted on any of my mortgage payments. As mentioned before, I do believe that JPM incorrectly granted me a high interest rate because they were reporting I owed them money on a credit charge, JPM made a mistake of sending out after they indicated that I had not been approved for such credit. XXXX paid off the vendor and JPM did n't want to hear about it. The other possible reason why jPM gave that outrageous plan is because the building under which I had the other mortgage for an apartment I own, had the land and property titles under my apartment. JPM was holding the master loan and they knew the building was in trouble. However, neither the credit card issue and much less the separate mortgage under the apartment needed to be considered in JPM analyst/evaluation of my credit worthiness. It seems to me that JPM actions were discriminatory and unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (FHA mortgage) with Selene Finance LP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage counselor to send Selene Finance a modification package about four months ago. When I contacted an attorney with XXXX to see if she could assist me with getting a QWR from Selene Finance stating why I was charged advertisement fees, title fees and other fees. When the attorney reached out to Selene regarding the QWR, they responded with a denial of my request for a modification. In the denial letter it states that I do not qualify for the mortgage program requirements which I know is not true. I do qualify and I do make enough money to afford my house. Selene took an extremely long time to respond to my modification request. They do not have rightful reasons to deny me and I feel they only did so to avoid giving me the QWR. I want to get my modification that I have been trying to get for almost three years now. From being transferred from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX and now to Selene Finance. I have been jumping whatever hoops my mortgage company tells me to but then they still deny me a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Portfolio Recovery has been told this debt is way beyond the collection time for the State of Michigan. They have been told both in written form and verbal form that this debt is beyond the 6 year statute of limitations set by the state. Yet they continue to call daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Making/receiving payments, sending money

Complaint: Capital360.com bank cancelled my payment check without my consenting. 
Here 's the online banking info. I quote, " Pay From XXXX Amount {$3100.00} Send On XX/XX/2016 Withdraw On XX/XX/2016 Category CHECK DELIVER BY XX/XX/XXXX Confirmation XXXX Payment canceled XX/XX/2016. 
" I found out the payment check was cancelled 30 days late, only after my payee asked " where is the check? ' I asked Capital360 bank why my check was canceled without my consenting. 
The bank argue, they tried to call me but I did not pickup the phone. So they just go ahead cancelled the transaction, for whatever they think is necessary? is it legal at all? Do they have to officially inform me, neither before nor after, for the action could cause serious damage? 
I asked the record that shows they called and left a message. They do not have it. 
I have email, cell phone and XXXX address in my account. 
The least Capital360 can do is send me an email, a letter or follow up calls to inform me what had happened. 
I had saved a copy of the entire online chat for future reference. 
Thank you very much. 
kf

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCO has repeatedly called me -- literally everyday even on the weekends about a debt that is not mine. They have also reported negatively on my credit report stating that I owe {$3300.00} for an apartment in XXXX XXXX, California. I do not now nor have I ever live in XXXX. In my entire life I have only lived in XXXX as an adolescent, XXXX XXXX while in college and XXXX as an adult. I do not owe this debt and this false reporting is deeply effecting my life. I have also requested information regarding what the debt is for in detail and this information has not been furnished to 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 05/19/2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Several related complaints : 1. Cach , LLC purchased the original debt from XXXX ( managing company for XXXX XXXX XXXX ) 2. XXXX XXXX was the attorney collecting for Cach , LLC. 
3. XXXX successfully began a wage garnishment from my employer. In a discussion I had with this company, they lied about the original amount and said they were asking for {$250.00} per month. The amount is actually {$250.00} per biweekly pay period. This should be available on the recorded line we spoke on. 
XXXX. XXXX XXXX XXXX somehow became the new debt collector, taking over for Cach , LLC. in the collection process. 
4. XXXX XXXX XXXX began collecting for the full amount of the debt, and claimed no prior knowledge of the payments that I had been making for the past two years and also claimed no knowledge of the garnishment. They just started collecting again for everything. I explained they were collecting double and was told this was for a different debt. It is not. 
5. On XXXX I spoke to XXXX XXXX XXXX and was told my existing balance was {$1000.00} and that the last payment was made on XXXX/XXXX/16. 
6. I asked XXXX to note my account with the following information : The payment for {$250.00} that was received on XXXX must have been from my XXXX paycheck. On XXXX and XXXX I paid {$250.00} out of each of those paychecks as well. So, according to my calculations, I would only owe {$580.00}. 
7. I requested a copy of the last statement they sent my employer, with the amount they say I still owed. The representative I spoke to refused to provide this information, telling me to get it from my employer ( again, please listen to the call recording ). 
8. After some discussion, I was told that XXXX XXXX would call me back and let me know if they could accomodate this request. 

Complaint is for collecting for a debt that already had a wage garnishment in progress, not providing correct information, misrepresenting themselves as a branch of the government ( they sent documentation that I was being sued again ) and refusing to provide information when asked about this debt. 

Additional complaint is about the interest charges. I am being charged interest on interest and the payments I made are not going to the principal first. The interest rate and fees that I have been charged have been grossly unfair.

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 09/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with URS Holding, LLC (WA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I was contacted this morning, at XXXX on XX/XX/XXXX, 2015 by the number XXXX. The caller claimed I owed a debt to XXXX XXXX University. They confirmed the last 4 digits of my Social Security and my birth date. They declared an address they would be sending information to in Colorado, but I am not a Colorado resident. 

I did not accept any attempt to pay the debt, since I do not currently know what the debt is for. My understanding is that this debt is in error. 

Further, it is my understanding that the caller may have performed an illegal call at XXXX, since this is before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: It seems I have an account with XXXX XXXX XXXX for an auto loan which I was the victim of predatory lending practices. I had just purchased a Truck and had financing with XXXX XXXX XXXX at the same time it seems I was also approved by XXXX XXXX for a second vehicle loan the dealership knew there was no way I could afford two loans at one time yet went ahead with the second one anyway, I did not keep the second vehicle and made arrangements to have it picked up by XXXX XXXX in which they did in XX/XX/XXXX yet they are still reporting it now in XX/XX/XXXX, I can not get into a home with this still on my credit report and as a XXXX Veteran face possible homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello I have call Equifax and also sent in disputes in inquiries that do no belong to me I have also contacted the creditors who advise me to contact the Equifax and I feel like nothing is being done about this I keep going back and forth with both, just recently I have received a copy of my credit report and notice these inquiries that I did not authorized and I would like them removed as they are hurting my credit score this was not done by me and I had no knowledge that this was done the inquiries are : 1 XXXX XXXX XXXX 2 XXXX XXXX 3 XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: Still reporting wrong that I still owes XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (GA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: Prepaid XXXX XXXX from XXXX account will not let me close my account after I told them to cancel my account.

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 05/26/2017 about Debt collection (I do not know) with Choice Recovery, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Around  XXXX  I noticed that a collection agency by the name o f Choice Recovery  was reporting  XXXX  debts on my credit report. Initially, I disputed those debts with the credit bureaus as having no knowledge of the debt. Well the debt was deleted from   XXXX   and  XXXX . After several of unsuccessful attempts of disputing the debt directly with  XXXX  and requesting proof of what was actually used as verification I then reached out directly to the Collection agency. On several attempts I requested that they provided me validation of the debt, proof that I specifically and legally was responsible for the debt as well as they were able to legally collect on the debt. As of date I have received no validation of the debt or requested proof. Request were sent certified mail on  XXXX / XXXX / XXXX , and  XXXX   XXXX ,  XXXX  and  XXXX / XXXX / XXXX . Please see attached verification of disputes, and request for validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Auto) with BMW Financial Services NA, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/2015 when my car lease was ending The BMW of XXXX, NJ called me to return my car and get a special deal on the lease of the new car. After vehicle was inspected by BMW dealership I had reach mutual agreement with the agent-XXXX to the amount of my financial responsibility for extra mileage and wear and tear cost.Subsequently, once I was satisfied with the financial terms of the returned car I negotiated with agent the terms of the new car lease. During our negotiation XXXX frequently consulted with his superiors the terms of the new lease. Finally, We have reached mutually accepted agreement in regard to the terms of the new lease. In fact, I was assured by CFO XXXX XXXX XXXX of BMW of XXXX that all financial terms agreed by both parties were final. Thereafter, I paid him down payment which included all my financial obligations negotiated with the dealership. Surprisingly, 4 weeks into the lease of my new vehicle I received a letter from BMW Financial Services NA, LLC demanding payment of {$750.00} for wear and tear of previously returned car. I believe there is some disconnect and possibly some misrepresentation between the BMW dealership and BMW financial entity. It is possible that there is dishonesty in their business dealings by agreeing negotiated terms and then billing the client for any shortfalls even though this had been agreed with the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Unauthorized MONTHLY credit inquires for credit card approval

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had an outstanding medical bill from hospital emergency technicians. They said they did not receive insurance info. I resubmitted info 2 times to the billing company. I receive a collections notice for the amount. I get scared and pay the outstanding balance. I was assured by the collectors that I would be able to get a reimbursement from my insurance companies. I call my insurance and they said a claim was never filed. I call back and give the information so they can call the insurance company. A week passes and i call back and now they have no information on my account and hang up the phone after taking my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Common Wealth Financial Systems claims that I owe them money for a medical debt and they have never sent me any letters or tried to contact me in anyway. They claim that they are collecting for XXXX. I do not have a contact with Common Wealth Financial Systems and only want to work with XXXX had never informed me that I owe them any money and I will pay any amount due directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My name is  XXXX   XXXX  and  PORTFOLIO RECOVERY ASSOCIATES  Is trying to collect the amount owed of {$1300.00}. I have never disputed owing the money however.   This collection agency has taken over the  XXXX   XXXX  account. In  XXXX    XXXX  . They were told my father passed away. I told them I lost my house do to my father 's reverse mortgage. Lost my business. and was unable to pay. they put me on a debt forgiveness due to hardship and did a charge off and hit my credit. which is fine. but now they are trying to restart an old debt. Which I do not feel is fair. I 'm am tired of the constant harassment by this fraud company. And I want it stopped immediately! I am not working so there is no way possible I can pay it back.They will get nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2016 about Debt collection (Credit card) with Berman & Rabin, P.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After the account was settled in full per the settlement agreement dated XXXX XXXX, 2016, the attorney offices representing the creditor failed to file an Acknowledgment of Satisfaction of Judgment with the court. This non action on their part is causing hardship and additional expenses. This office is non-responsive most of the time or provides untruthful information : it was communicated that an Acknowledgment of Satisfaction of Judgment will be filed with the Court within 30 days ; it 's been 90+ days since they cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am applying for a home loan and was asked to pay off a debt from Midland Credit Management. I reached a settlement with them and paid {$620.00} and they agreed to report it on my credit file as paid in full less the full balance. On my credit report, MCM erroneously reported on my report in the comments section that I missed a payment of XXXX. Because of this false statement, I can not get a home loan because it shows I was late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (I do not know) with Talbot, Adams, & Moore, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Recent review of my credit is showing debt that I have signed for and unaware. This debt is hindering. I have tried to speak with the companies in regards to this matter and to no avail. I want all items removed from the 3 credit bureau asap These companies are leaving with no other options to seek legal counsel with the purpose of suing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: My bank charged me {$36.00} every time I used my Debit/credit card for a transaction when I did n't know my account was in overdraft. They never notified me that I was in an overdraft status. My overdraft fees are approx {$320.00}. I called and had them turn off my " Overdraft Protection '' on the debit portion, but they sated that I cant turn it off on the credit card portion and I would continue to be allowed to charge and would just incur a fee of {$36.00} each time I did so if my account was in overdraft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/20/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have disputed several inquiries many times with Equifax and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me to Equifax. These were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX, XXXX XXXX XX/XX/2016 I am requesting information on how Equifax conducted their investigation into my previous dispute ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Medical) with Equidata, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Equidata keep sending me harassing letters stating I owe a debt form XXXX XXXX XXXX in which I did n't live in the state of XXXX. I sent equidata an email with letter from my job stating I was living and working in XXXX XXXX in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. I called and the representative said I must pay this debt, I do n't owe. I have XXXX XXXX nothing is wrong with my back or any other part of my body.

Company response to consumer: Closed with explanation