milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A recent credit inquiry has brought to my attention that Portfolio Recovery Associates is reporting to the credit reporting agencies an account to which they claim I owe. 

I have reached out to Portfolio Recovery Associates on several occasions to gather more information and have not been successful in getting a response form them. I have sent Certified Letters through the United Stated Post office and have confirmed they were received by them. Yet they have failed to respond in a timely manner. 

I have also disputed the account with the credit reporting agency and Portfolio has verified them without provided proper verification. 

Further more the reporting they are submitting monthly violates laws by reporting as an open account. They are also reporting as a factoring company account. 

I am demanding that Portfolio submit an immediate deletion of this account request to XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Company calls from the same number every day. I spoke to them in the past and expressed that I have never done business with them. Each time they want me to reveal personal information. I asked them several times to refrain from calling and to use the US Mail if they want to communicate. They have been calling daily for over 4 months

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit card () with U.S. BANCORP (NC).
Issue: Forbearance / Workout plans

Complaint: us bank dont get it. im doing a debt settlement with an XXXX XXXX rated company and they are XXXX acredited. they say they have no contact with this company so im going to give it to them. ill get to that in the last step.

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 07-11-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I financed my mortgage XX/XX/XXXX. Servicing of my XXXX Mae-backed mortgage is now in the hands of Seterus , Inc . It went from XXXX XXXX to XXXX and to Steterus, effective XXXX XXXX, XXXX. Due to errors caused by XXXX, I was forced to file bankruptcy XX/XX/XXXX. XXXX used this as an excuse to stop sending mortgage statements and return envelopes at that time. Although XXXX sent me statements for a few months, eventually they too denied me the standard mortgage service of providing a monthly statement with a self-addressed, return envelope. I simply mailed my check every month to a post office box. I have XXXX mailings from Seterus, XXXX with a different variation of my name. I have requested ( 3 times ) that they send a monthly statement with an appropriately addressed return envelope for my mortgage payments to me with MY name in the address. This seems to be a reasonable request to make to a servicing company. How else can I know that my payments are received and my escrow payments are distributed correctly? I have not received any accounting on this mortgage since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Bank account or service ((CD) Certificate of deposit) with DISCOVER BANK (CT).
Issue: Account opening, closing, or management

Complaint: I recently filled out the required forms to transfer IRA CD 's from Discover Bank to a different bank. The instructions that were sent to Discover Bank instructed them to perform these transactions " at maturity ''. They liquidated the accounts immediately ( XXXX XXXX, 2015 ) and an early termination penalty was charged. Since that time I have called Discover multiple times and the fiasco is still not resolved. This is after working multiple days with a supervisor, XXXX, at XXXX. Discover Bank has VERY POOR customer service and does not properly train and supervise their employees. Thanks for nothing XXXX for your association with Discover Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX, a little over a year following my divorce, Wells Fargo foreclosed on my home. Local attorneys representing Wells Fargo attempted to collect a deficiency judgment on the property. Because I could not pay the debt, I filed Chapter XXXX bankruptcy because of the consequences of this debt, and I received a discharge of the bankruptcy from the XXXX Court for the XXXX XXXX XXXX in XXXX XXXX. The XXXX XXXX XXXX Court sustained my attorney 's objection to Wells Fargo 's motion for deficiency judgment in XXXX XXXX. 

Wells Fargo purchased a homeowner 's policy for this property in XXXX or XXXX XXXX. Even after the foreclosure, Wells Fargo maintained the policy and attempted to bill me for it. The final cancellation for the policy did not occur until XXXX XXXX, four months after my attorney sent them a letter reminding them of the foreclosure and informing them that I no longer owned the property. 

I continue to get mail from the Wells Fargo Home Preservation Department demanding that I call and speak to them about my loan and telling me that they are attempting to collect a debt. The home belongs to them, their motion for deficiency judgment was n't accepted by the court, and I owe them nothing.

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 02-12-2018 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 information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IN).
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: On or about XX/XX/XXXX at XXXX XXXX ( not sure which time zone ) I contacted XXXX ( Synchrony Bank handles their credit card ) from XXXX at XXXX to ask how I could pay them, the {$32.00} TOTAL I owed them and that was due on XX/XX/XXXX, because I was overseas, I did not have my full account number, only the last four numbers, and was having difficulties trying to pay online. I was told that I could send a check through my bank to an address they gave me ( XXXX XXXX XXXX, XXXX, GA XXXX ) and that the last 4 numbers and my name would suffice. After asking for reassurances, that were given by XXXX, that was done, according to my bank, on XX/XX/XXXX ( Check # XXXX was mailed to XXXX XXXX XXXX/Synchrony Bank for receipt by XX/XX/XXXX ). I then forgot about them since I had not incurred any other charges. Some time after I got back, I was catching up on my mail on or about XX/XX/XXXX, when I opened a XXXX statement and to my utter surprise found that they were saying I was delinquent for the XX/XX/XXXX payment, and had various additional charges. I notified them immediately about the error, what had transpired, AND sent them proof of the payment sent. I also told them that the payment had NEITHER cleared my bank nor been returned to the bank 's payment service. After a series of contacts, including phone calls, they advised that it could take 30 days for them to investigate what happened to the payment. I was n't happy it would take that long, but there was not much I could do about it. Then, I received an alert from one of my other credit cards ' credit alerts service advising that my score had changed. It seems XXXX/Synchrony had negatively reported me and my score had taken a hit. At that point, I contacted them again and expressed my outrage ( I have more than 6 other accounts with them, more or less, never late, etc. ). They were very disorganized and not understanding what was happening. I was trying to explain that, at the very minimum, they should suspend all the charges and statuses until they could determine what happened to the check. I then filed a dispute with the credit bureau or bureaus and, lo and behold!, they were able to immediately respond to that action ( no thirty days required for that ) and sent me statements about the payment not showing up and, therefore, declaring the reporting as being correct. No payment is showing up because something happened at their end at the address they gave me!! They are absolutely clueless and disconnected from their departments but, in the meantime, they are UNFAIRLY and WRONGFULLY hurting my credit.

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (KY).
Issue: Settlement process and costs

Complaint: Since XX/XX/XXXX I had my FHA mortgage with XXXX XXXX XXXX. In the middle of XX/XX/XXXX, whilst I was in the middle of a VA mortgage refinance with XXXX XXXX, unbeknownst to me XXXX XXXX XXXX, transferred my loan to Nation Star effective XX/XX/XXXX. XXXX XXXX paid off Nation Star on XX/XX/XXXX, before my first mortgage payment with them was due. However Nation Star has not refunded the balance in my escrow account and said that on XX/XX/XXXX they sent this money to XXXX XXXX XXXX to pay a Corporate Advance for an appraisal & I needed to call them. XXXX XXXX XXXX has told me they did not require any money, they did not request any money and they have not received any money ; that my loan was paid in full. I have spoken to at least XXXX different Nation Star Customer Service Agents and XXXX people in their Escrow Department and no one can tell me where my money is and why it has not been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: XX/XX/2016 I rented a car from XXXX. I declinded their insurance because I spoke to an agent from my Citibank Credit Card and he assured me I was covered if I used my credit card for the rental insurance. I asked if I was fully covered because I had limited insurance on my older model car. " Yes, '' the agent said, " do n't use XXXX 's insurance you 're covered. '' I asked if there was a deductable. " NO deductable, you do n't have to worry. '' On my way home a Semi-Truck spit up a rock which made a XXXX. crack in the windsheild. I paid XXXX upfront and filed a claim. Now the nightmare begins. Called to file a claim and was told to sumit the information to XXXX fax number with a claim number. Did that. Waited, waited and finally messaged them asking what is goin on with the claim and was told they did n't have enought information. Sent it again, to a different address I was provided. Waited, waited. Citibank decided the repairs were unneccesary, claim denied. What? Messaged them that was not exceptable. Waited, now its XX/XX/XXXX, XX/XX/XXXX Citibank messaged me that my claim was something my insurance would have to handle, claim denied and if I 'm late with my payment they will turn me into the XXXX credit bureau. I 've never been late and my credit score is XXXX. Sounded like a threat. So which is it, the repair were unnecessary or they do n't cover windsheilds??? If I had known I was going to get the royal run aound I would have gotten the {$20.00} XXXX insurance and saved myself {$150.00} and a huge headache. Apparently I 'm not the only one with this kind of complaint with Citibank as I 'm looking on the internet.

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 06-06-2015 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that I would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Credit card) with CITIBANK, N.A. (NE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This matter involves an account initially handled by ExxonMobil and assumed by Citibank. I was trying to work this out with Citibank when they referred it to XXXX XXXX. At one time both were trying to collect the same debt from me. Then XXXX called my ex wife and discussed the debt with her. She has never been a cardholder and has no interest in this account what so ever. I do not understand why XXXX would bother her when she is my ex wife, they had the correct address and phone number and all account info. This appears to be a problem with Citibank accounts and the vendors they use for collection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Medical) with I.C. System, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I visited my doctor at XXXX for my regular checkup and as suggested did lab work at doctor 's office. This lab work is sent to XXXX labs for study. The XXXX related expenses are dealt by insurance and doctor 's office. 
The XXXX labs should have Forwarded the insurance bill to my insurance company and any thing from there should have been dealt by my Insurance and Doctor 's office. Instead they kept sending to me which i thought was already taken care by Insurance. They moved this amount to collections impacting my credit very bady and without my knowledge. When i got to know about this i did call up XXXX on several occasions and each time they misguided me and said Doctor 's office is responsible. This continued long when i brought this to my Doctor 's office they said to deal with XXXX. Only when i narrated this incident to my Doctor then the doctor 's office found out that mistake was from XXXX. 
I want correct reporting back of my Credit score and also would like to register a complaint against XXXX and their practices in billing matters

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I applied for a XXXX at XXXX XXXX. They subsequently issued a XXXX XXXX to me in XXXX. However, I did not apply for the XXXX nor did I authorize a second credit inquiry. This is the history of the inquiry. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX I phoned XXXX several times in XX/XX/XXXX to request the removal of the second inquiry. I kept calling and was finally told to write to the specific department. I was told it would take 30 days or less but I wrote to them in XXXX and have not heard anything. I followed up with the bank and was told that the department could not be reached internally or externally and they suggested I write again. It 's been two months since my first inquiry. I have spoken to several managers, written to them - all to no avail.

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