milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Debt collection (Other debt) with Credence Resource Management, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice in the mail from a company called Credence who is a debt collector claiming that I owe XXXX XXXX XXXX XXXX {$180.00} WHAT?? I don't owe anything. I contacted this company in an attempt to straighten it out, they wanted my to give them personal information. I don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (I do not know) with AmeriCollect (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In response to complaint  XXXX  AMERICOLLECT  XXXX   XXXX  ACCOUNT  XXXX  To Whom It  May  Concern : Your company have violated the provisions of section  XXXX ,  XXXX  ( a ) (  XXXX  ), or  XXXX  ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ;  XXXX   XXXX  Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA  605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible. Thank you.     XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX  COURT  XXXX ,  XXXX , FL  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I had a HELOC with PNC Bank that was nearing the end of the drawdown period. It was interest only repayment loan. In XXXX, I asked loan officer XXXX XXXX to extend the drawdown period with same interest only payment. After not hearing back for 10 days, I went to the branch and found he was no longer employed. I asked for all my documents back, and they could not be found. Which is pretty concerning. I was contacted the next day by the manager, and found my request was sent to another LO XXXX XXXX. He never spoke to me or asked what I was looking to do ; only emailed me more requests for documents. Then in XXXX I found out my HELOC was refinanced into an interest and principal repayment loan. Not what I requested. I spoke with XXXX XXXX and XXXX XXXX, who are in the PNC Executive Client Relations Dept. I explained how my case was mishandled ; from losing all my documents, to no communication with the Loan Officer, to refinancing my loan into terms I did not request, and was told there is nothing they can do other than I try and refinance again. I am currently going through the process again.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Application, originator, mortgage broker

Complaint: I do n't understand how CFPB can allow a service lending organization ( Ocwen ) can modified a loan for five years at a low interest rate and then revert back to the original high interest of 10.37 %. I was denied another modification because I now receive social security. It does n't appear that Ocwen did anything wrong but it is so unfair that this country allows this type of predatory lending. I am not behind in my payments and am able to pay on time. That is all the more reason I should be able to keep my low interest rate. I have rehab loans on my property which means the government has to subordinate. Also, my loan has been sold so many times I do n't even know who owns it now. Shame on USA for taking advantage of poor people.

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

Complaint: Equifax experienced a security breach in XXXX XXXX but did not notify me until XXXX XXXX, XXXX. I do not know who has my information but by the Equifax website I can verify that my information was exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I stopped service with XXXX on XXXX XXXX, 2015. I received a final bill XXXX XXXX for {$69.00} and promptly paid it. Payment was not due until the XXXX of XXXX. XXXX received payment on XXXX the XXXX. On XXXX the XXXX I received a call from Credit Protection Association L.P. stating that they were a debt collection service attempting to collect a debt. I then received a letter dated XXXX XXXX from the same company that XXXX had turned over my supposed debt of {$69.00} to collections. This affects my credit score and I am furious. I have spoken with XXXX without much help being shown my way. I want my any dings on my credit cleared and I want to know if this is a common, predatory practice by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is refusing to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with CITIBANK, N.A. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Item in my credit report are double and older than seven years. Also there are item listed in my credit report wich state that I recently open accounts and thats not true.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: Paypal closed my account and is holding the funds for past 4 months. There has been no update what so ever and no one from paypal has got in contacted with me with details on why the money is still with them despite the account being closed 4 months back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I monitor my credit every month, and noticed a Debt added on to my credit that does not belong to me. 
Collection Agency : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Date on my collection Report : XXXX XXXX, XXXX Amount of debt : {$600.00} Date of Service :?? 
Provider of Service : XXXX XXXX Hospital I asked them to give me proof that I owe this debt, a itemized bill, my signature on it, something from the hospital, they never sent me anything. I sent them a HIPAA violation letter, they ignored it and reposted it to my credit bureaus, XXXX and XXXX as valid. 
I have written letters to each credit bureau stating its not mine, and they updated saying verified by creditor, yet no one has showed me anything, as this was not me.I was even out of the country when this bill supposedly took place!!! 
this debt is not valid as i have NEVER BEEN TO THIS HOSPITAL EVER. 
I called Debt recovery, they were very rude to me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: SouthWest Credit Systems, LP placed an account on my creit file without notifying me. I advised them in my previous dispute that their in violation of the early-warning notice clause of FACTA section 623 ( A ) ( XXXX ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. if the creditor or collection agency refuse to remove the incorrect information they are in violation of FACTA section 623 ( A ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Contacted the specialist handling my debt collection and or complaint. She was not willing to settle nor provide any information to close the case. Consumer was willing to settle case and debt collector unwilling to.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MD).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I opened a Citi Bank credit card account with Best Buy on XX/XX/XXXX and made at {$4000.00} purchase at Best Buy on this credit card, an interest deferred offer. I had amoritzed payments to pay off the entire balance by the expiration date on the offer ( XX/XX/XXXX ) in 24 equal payments via an auto-pay. Prior to the first payment being made, a payment of {$100.00} was made over the phone on XX/XX/XXXX. After the first payment, an e-check was scheduled to go out from my bank for XXXX, XXXX, until the auto-pay could begin. Recently, I received a statement from Best Buy, indicating a balance of {$1700.00}. A telephone inquiry with Best Buy, made on XX/XX/XXXX, has revealed that, by XX/XX/XXXX, a balance of {$51.00} still remained on the account, and all the interest, accrued over 24 months, has been posted to the account. After an hour of having been transferred around, Best Buy was unable to bring up the history of payments made on this account. During the month of XX/XX/XXXX, I received several phone messages regarding my the Citi Bank credit card account ( no detail was provided ), and each time I called back, the customer service department was unable to locate an active account for me with an outstanding balance, including during the phone call on XX/XX/XXXX. Since I was never able to successfully connect my Best Buy account with this card number online, and have not used the card since the XX/XX/XXXX purchase, I was not aware that the card was with Citi Bank. I am filing a complaint to dispute the interest charges on my account. How could a payment have been missed or delayed using auto-pay? Is it possible that the XX/XX/XXXX payment may have been mistakenly directed to the wrong, inactive, account and therefore never posted on this account? I am attaching proof of the 1st 2 payments on the account. As you can see, XX/XX/XXXX payment aparently was not applied and may have been sent back to the bank, without my noticing it. Also, I would like an explanation for how 2 years ' worth of interest at 26.49 % can be charged on {$4000.00} when Citi Bank did not have an outstanding debt in this amount for the entire time. According to the Truth in Lending Act, the credit card issuer must notify me of the interest rate increase 45 days in advance of the increase, giving me the option of paying off the balance at the existing lower interest rate. This notice was not provided -- if it had been, I would have been aware of the remaining balance on my account. In conclusion, I feel, I have done everything in my power to pay off the balance by XX/XX/XXXX, but due to the confusion with accounts, not all payments posted in a timely manner, and sufficient notice was not provided for me to rectify the problem.

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 10/31/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Trouble during payment process

Complaint: Nationstar mortgage is charging me hundreds of dollars over the amount needed in my escrow account. I am currently in a chapter 13 and I currently have over {$2000.00} in escrow overage. I am aware that this will have to stay in the account until my chapter 13 is finished but it seems they are intentionally charging me way over the escrow amount needed and why would anyone have this amount in overage, in the past with ocwen before they sold my loan to nationstar I never had over XXXX bucks in escrow overage. after reading other complaints online apparently they do this and keep the money. This is a horrible company and they are really rude people and refuse to help with anything. I hope you can help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Issued card with {$12000.00} limit. Tried to use card 4 different times, calling the CC Company between attempts. Issue never resolved. Ultimately returned cards and advised Synchrony to close account.
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See attached for full chronological sequence and details.

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 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: these people call you twenty times a day on all my phones burning up my minutes 1. XXXX 2.  XXXX 3. XXXX 4. XXXX 5.  XXXX is their any way they will stop calling they call me about the irs warrant for my arrest student loan idont have a student loan. 3.health insurance with XXXX XXXX 3 times I have called them about the birth date being wrong never gets fixed near. then their is the fireman ball or policemans fund. XXXX XXXX XXXX  credit card fraud you have to have a card first to have fraud

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Navient has called my job several times after i have specifically told them not to contact me at work regarding the collection of my student loan debt. These are illegal tactics and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I tried contacting XXXX on XX/XX/XXXX via correspondence USPS tracking number XXXX. The late payment dates for XX/XX/XXXX to XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: inquiries were removed and re added without notice or reasoning

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Because I have tried to dispute incorrect information with this company and gotten no results or replies this is a better recourse. Because of a lawsuit filed against XXXX, a judgment against me has been removed. As well as collections of the Account and the account should show this status. I KNOW this has ALREADY been done as XXXX shows it when I look at my information there. Attached is cooperating proof of what is supposed to be done. Equifax has a history of not maintaining correct information not only for myself but for many others if the little investigation I 've done is any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have had ongoing issues with the XXXX credit card issued by Synchrony XXXX. 
On Wednesday, XX/XX/XXXX I received an email alert that my automated recurring payment was not received. 
Today, XX/XX/XXXX I called the customer service number on the back of my credit card. 
It was a prerecorded line that had only sales pitches for an endless number of products and companies. 
I called the number again to make sure I did n't misdial. 
I had the same result. 
I went to the website and there was a different customer service number. 
I called that number and was connected to " XXXX ''. 
I explained the issue that I was signed up for automatic, recurring payments and that I did it the same day of my last phone call to customer service. 
" XXXX '' at first said he did n't see that I had signed up for automatic recurring payments and asked me unrelated questions. I explained the steps I took again and said that I can see my bank account number listed for my account on the website. 
He put me on hold for several minutes then came back and said that I did sign up for recurring automatic payments from my bank account but that it would take 1 to 2 billing cycles for it to take effect. I told him I thought that was ludicrous and poor customer service, then I asked him to remove the late fees and finance charges so I could pay the purchase balance in full. He then hung up on 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 monetary relief
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: False debt was re-inserted onto my credit report and failed to notify me within XXXX business days.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX and exsperion have a negative report on my credit report which is fraudulent to XXXX XXXX XXXX colected by XXXX XXXX for {$370.00} .... not my address and my XXXX XXXX XXXX bill is up to date at my home address,,, they used my social security number to open the account affilitated group account number 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 explanation
Consumer complaint received 11/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Using a debit or ATM card

Complaint: I have had issues with the post office at my last address where for XXXX weeks I never received a single piece of mail no matter what I did ( including file a complaint with the postal inspector general ... ). 

Chase Bank has not marked the lost card as stolen as far as I can tell and I had to speak with XXXX XXXX*** representatives refusing to do anything about the new checking account 's debit card I NEVER RECEIVED. Only when I finally insisted on speaking to a supervisor was I informed that I could GO INTO A BRANCH to prove my identity in person and request a new debit card or wait until XX/XX/2016 to request another by phone. I have had plenty of issues with cards in the past and I have never had such issues getting a replacement. 

I already overpaid {$27.00} for only XXXX checks because I DO N'T HAVE TIME TO VISIT A BANK BRANCH, especially for minor bulls*** that is not my fault when I have XXXX businesses to run. 

If I need to go into that branch, it will be to CLOSE EVERY ACCOUNT I HAVE WITH CHASE before transferring all of my business elsewhere.

Company response to consumer: Closed with monetary relief