milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I certified the letters to credit bureau and to the company 's sent me a payment sheet i never did business.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio recovery associates.is reporting an old debt that is too old to collect and show on credit report. The original debt was from XX/XX/XXXX originally delinquent XX/XX/XXXX and written off by the origin creditor, XXXX, XX/XX/XXXX. Portfolio Recovery is now showing an open date of XXXX XXXX with recent derogatory marks on my credit report. This is an old debt and should no longer be reported. I did contact the original creditor and they confirmed the dates and the fact that the debt is too old to report on credit report.i have made several attempts to dispute this with credit reporting agencies but nothing has worked

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. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

The operational incompetence of Equifax and its senior leadership is appalling. The breach was not properly disclosed and their internal systems are not prepared to handle the public 's concern. I am unable to receive my Equifax credit report because " the servers are busy '' and the wait time on their hotline is hours. Furthermore, there are reports of false positives on their own " check if you were impacted '' site. So, I do n't know if I was impacted, I ca n't verify on my own if I 've been impacted, and the credit monitoring solution they offer sends mobile users in an infinite loop of non-resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: There are several issues - sorry if confusing. Wells Fargo and their attorney for the foreclosure have refused to speak to me. 1. I was on moratorium, then the moratorium was cancelled without notification. 2. After moratorium, I was on forebareance and trial loan modification period with payments of XXXX a month. They refused to take my payment several months in and cancelled my trial period, instantly leaving me 12 months behind on payments. I have since been denied loan modifications even though they had received the paperwork and confirmed it, the denied it. 3. The main issue is I received a loan modification several years ago, which Wells Fargo refuses to provide any information on. This modification EXTENDED my mortgage to 40 years. I DID NOT AGREE TO THIS OR SIGN OFF ON THIS. I did n't realize this had happen until I had read about it happening to others. The terms I agreed to are not the terms I have. I want to keep this condo, but am afraid of losing it to foreclosure and I have no one that can help me. I can not afford an attorney and they will not communicate with me at all. I have called their attorney 18 times to no avail. This is down right fraud and they need to be punished for this unacceptable behavior. It should be criminal.

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 06/15/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Received a call from a  XXXX   XXXX  claiming to be a privat e investigator  for the pinn acle Group.   Claims that I have a breach of contract with  XXXX . The original principal that was charged off was {$610.00}. Now with post charge off and with an interest rate of 24.99 % the fees are at {$1100.00} making the total claim {$1700.00}. Also after legal fees the total amount due is {$2900.00}. I am being told that a lawsuit is being filed on  XXXX , my bank account will be garnished but I have the chance to settle for 50 %. If settled a release of liability will be sent to me so I can forward to all creditors.  <P/> Claim #  XXXX  number to  XXXX   XXXX  ext  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Rewards

Complaint: On XXXX/XXXX/16, Citibank close my AT & T Access More Credit Card account # XXXX without explanation and refused to respond to my inquires. This account is an new account I opened XX/XX/XXXX and I paid the {$95.00} annual fee in order to enjoy the benefits of this account. Since this account was unilaterally closed by Citibank, I would like Citibank to refund me the {$95.00} annual fee I paid. 

Furthermore, the sign up bonus for this account included a {$650.00} credit towards a purchase of a new AT & T smartphone after spending {$2000.00}. Although I met the spending requirement very quickly I was not able to purchase the phone through the Citi online portal due to the Citi website 's technical difficulties. I contacted Citi Customer Service with this issue and the Customer Service Representative I spoke with advised me to purchase the phone directly from AT & T and faxed in the receipts to be reimbursed. I purchase the phone on XX/XX/XXXX and faxed in the receipt to Citi Rewards Department @ XXXX on the same day. Since the {$650.00} credit was still processing when the account was unilaterally closed by Citi, I suffered detrimental reliance since I purchased the phone with the expectation that I would be reimbursed up to {$650.00} by Citi. I would like Citi to follow through with the agreement of reimbursing me {$650.00} for the phone I purchased. I attached the fax I sent to Citi Rewards Department on XX/XX/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 12/28/2015 about Debt collection (I do not know) with DISCOVER BANK (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Told the law firm that I did not want to be contact about this debt but they sent another letter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX unknown collection posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB and SSN in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit 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 explanation
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I never had any credit to not pay. I never received any notice. This is not mines. They threatened me to pay or I will have this remain on my credit forever. 


XXXX XXXX XXXX XXXX Collection Department / Agency / Attorney Closed XX/XX/2011 {$1300.00} 1 Month

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I sent certified documentation to Midwest Recovery Systems proving that I did not owe three collection amounts that they sent and repeatedly update to the credit reporting agencies. These medical bills were covered under charity care and I sent MRS letters from the hospital. I also sent this to the junk  debt company before MRS -- XXXX -- and they deleted the information immediately. Although my letters were received by MRS , they choose to blatantly ignore me and FCRA laws and continue to harm my credit profile with impunity. They 've also re-aged ( dates are from XX/XX/XXXX, not XX/XX/XXXX ) and re-inserted illegally. The amounts in question are : {$37.00}, {$65.00}, and {$1000.00} ( originally only two accounts that they broke up into three to their benefit ) from XXXX XXXX XXXX which is associated with XXXX XXXX XXXX XXXX as indicated on the letters. Before I 'm forced to go to small claims court, I 'd like CFPB to step in. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Our credit card company is not honoring its cardholder agreement, which states that the holder is not liable for unauthorized charges, as long as the items in question are pointed out to them.
In XXXX  2017, my XXXX-yr old husband took a 30-day free trial from XXXX XXXX XXXXor a product that promised to help him prevent muscle loss from losing weight per doctors orders.
He never received any product from XXXX XXXX, but numerous different companies with different addresses and brand names continued to send him products he never ordered. He tossed all the products sent to him into a box. In XX/XX/XXXXhe asked me why his XXXX XXXX XXXX XXXX  balance seemed to be very high. I reviewed all the statements and found these various companies had all been charging large amounts for all this snake oil. I suspected that XXXX was selling his credit card number.
The sudden XXXX sent my husband to the hospital with a XXXX XXXX XXXX. After the immediate crisis was over on XX/XX/XXXX, I contacted the first merchant on the list and asked if they were sharing our credit card number. The agent told me they are all one company. When I asked for a refund of all charges and offered to return all their unused product, he hung up on me. This happened two or three times. I then contacted the credit card company to dispute the charges, report fraudulent activity, and give them my suspicions of the sharing of credit card information between companies.
They took down all the information and said it would take 30 days to investigate. They did not change the card number and unauthorized charges were again made on the account. The credit card company received a pile of poor copies from the merchants website and claimed since the merchant proved the charges were authorized they would not refund the charges.
Ive appealed this twice now and been put off 30 days each time. I pointed out that the printouts from the merchant did not show any evidence that my husband reviewed or selected any of their terms and conditions, etc. I finally had to demand that they change the card number, and they finally did so.
I think the merchant has been performing unfair, deceptive and abusive practices, and that the credit card company is aiding and abetting this fraudulent scam perpetrated against a senior citizen.

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 01-12-2018 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (WI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX repeatedly robocalls my cell phone, which was never registered with them, about an account that is not mine, of which they originally hassled my minor daughter about ( and probably still are ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (FL).
Issue: Problems when you are unable to pay

Complaint: I was late on making a payment for XXXX. I had thought I paid via phone. I spoke with a representative last night who called from an XXXX number. When she advised I was 21 days past due I told her I would look into my account today and call them back today. This morning my cell phone rings and the # is identified as a wireless caller from XXXX # XXXX XXXX XXXX. I have had numerous call from this # with no message. My cell phone is a business phone and I have business in that area. During work XXXX. I answered the call and they gentleman identified himself at that time as working for Flagship Credit Acceptance. I advised him I spoke with someone last night and would be contacting them later today on the matter .... I hung up called back the # and it does state when you call back that you are calling Flagship Credit Acceptance. I requested to speak with a supervisor because I believe this is a deceptive act. The employee who answered the phone would not provide me with a supervisor unless I provided him the last XXXX of my ss # and hung up on me. 
I believe it is unfair to call from false # 's or incorrectly identifying # when trying to collect a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: I sent certified mail to XXXX, XXXX and TransUnion to delete three derogatory items from my credit report. The dates, amounts and actions. 

Dates : XX/XX/17 & XX/X/17 Amounts : {$1200.00}, {$3500.00} & {$88000.00} Actions : The credit bureaus stated, Verified ( They did n't provide me with any info with who they verified with ).

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 06/16/2016 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Managing the loan or lease

Complaint: It is my understanding that I have a right to pay towards the principal balance anytime and have the entire payment applied towards the principal balance assuming I have no arrears. I have navy federal refusing to apply XXXX dollars towards the principal that I paid 10 days before my actual payment was due which had interest taken out of it as well. XXXX different people including XXXX supervisors have told me the only way I can pay on the principal balance is make a second payment on the due date. I believe this to be illegal. please let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Trouble during payment process

Complaint: I can not understand why the CFPB was duped into believing the lies returned from my Mortgage Company -- -OCWEN , subsequent to CFPB Case inquiry as relating to my XXXX Compliant! 

CFPB should be well aware of OCWEN 's track record, and the parade of States which had sued OCWEN for wrongfull acts, including illegal foreclosures and victim homes from underfoot!! Yet, all OCWEN had to do to appease the CFPB by sending a packet of mistruths & inaccurate figures on a few dozen sheets of paper before the case was closed!?? 


I really expected more from the CFPB! 

Maybe find out where all the Millions of Court Fine dollars had gone in the wake of all the hand spanks Ocwen had received in the last ten years. 

More importantly, I want to know why I can't use any of those MILLIONs for my defense as a victim, instead of seeing 'Business as Usual ' for Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I went to the bank and made a cash withdrawal from my checking account. After I left the counter, I decided I did not need the total amount, so I stopped at the ATM and made a cash deposit of {$500.00}. The following day, I saw that the deposit had not been credited to my account and I made a complaint to the bank. They told me {$40.00} had been credited to my ATM card and they had no record of the rest of the deposit. I filed a dispute. The bank said they investigated and there was no error on the ATM machine. They have refused to tell me the basis for their decision and will not review the videotape which would show me making the deposit.

Company response to consumer: Closed
Consumer complaint received 10/16/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have repeatedly disputed debt of {$1000.00} that is not mine, which Portfolio Recovery Assoc. claim I owe. In disputing I have repeated requested verification of this debt showing that a legally binding contractual obligation exists between me and the creditor. I have also requested explanation of the claimed amount owed, and how that amount was calculated. I have specifically requested copies of the original credit card application, and documents containing my signature ; of which I have received none. PRA just keeps sending me a copy of an old bill from the " original creditor '' XXXX XXXX. I have disputed this inaccurate data and have requested proper verification of this debt at least five times this summer alone. I sent a final notice on XXXX XXXX, 2017 stating, " This will serve as your final notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all collections with me in regard to the account referenced above. This account remains unverified and should be removed from my credit report immediately. As I am sure you are well aware, under FDCPA section 809 ( b ), you are not allowed to pursue collection activity until the debt is properly validated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with STERLING JEWELERS, INC. (GA).
Issue: Other

Complaint: My spouse added me as an authorized user to her Kays Credit Card Account through Sterling Bank! The bank closed the account! My spouse called to have me removed and they said I was removed but it is still on my credit bureau as an authorized user! I called Kays and they REFUSE to remove it!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (I do not know) with ASSET MANAGEMENT OUTSOURCING, INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent Nationwide Recovery Services letters requesting validation in regards to a debt that is currently reporting on my credit report for {$490.00}. I have NEVER received anything from this company stating what these charges are for. This is a false debt that I want removed from my credit report before I obtain a lawyer and pursue legal routes. This is not fair! I ask that this company remove this erroneous mark from my credit reports immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Experian on  XXXX  17  to make them aware that this account  XXXX   XXXX   XXXX   XXXX  account #  XXXX  is the result of identity theft. I have no knowledge of who the perpetrator is and never authorized anyone to use my personal information to open this account.     I 've provided Experian with an Federal Trade Commission  Affidavit and file d a police report about the incident and sent a copy to Experian.     To date Experian has yet to block this information from my credit file.       My File number for Experian is  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief