milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Credit card () with Resurgent Capital Services L.P. (NV).
Issue: Billing disputes

Complaint: I was contacted from a company " LVNV Funding '' about a credit card account from XXXX XXXX, that was sent to their office for collections. They gave me the credit card # but were not able to give me any other information. I explained to them that I did not open an account with XXXX XXXX, nor did I have any knowledge of this account. The time period that they said it belonged to I know for absolute certain it was not me. I then got a copy of my credit report and sure enough this account is on there. I know that I have disputed it more than once but they always say they will send me a letter, and I never receive anything. This account is not mine and can not be verified to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Trouble during payment process

Complaint: I was quite alarmed this morning when I went to confirm my bank balance in anticipation of a large purchase I was making and found that my balance was quite a bit lower than I expected. I looked at my transactions and found that my mortgage servicer had debited my bank account twice for my mortgage payment. My payment is debited automatically, a process encouraged by the servicer when initiating the mortgage. 

I contacted the servicer and asked what was going on and they indicated that all of their customers who had automatic debits for their mortgage payments were experiencing the same thing ; their bank accounts had been charged twice for their mortgage payments. I asked to speak to a supervisor who had no more information on why and how this had happened and when I asked to speak to a manager I was told that there were none present because it was too early in the morning. 

Since this servicer has hundreds of thousands of customers and I would suspect that a large number of them have auto debit for their mortgages, the total dollar amount involved would be considerable. Is this a scam? When will my money be replaced?

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 09-02-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account was previously removed and was reinserted multiple times with any notification at all and this company keep violating FCRA 611 5 ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account with HSBC # XXXX is showing as derogatory Information but marked PAYS AS AGREES. They need to prove to me there was late payments and when!

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (MO).
Issue: Account opening, closing, or management

Complaint: HSBC refuses to confirm the date my account was opened. Per their terms, there is no early closure fee to close the account after 180 days. I opened my account ( opening deposit processed ) on XX/XX/XXXX. I should be able to close the account on XX/XX/XXXX with no fee, yet I am being told I can not close it without a fee until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (Conventional home mortgage) with MIDFIRST BANK (NY).
Issue: Trouble during payment process

Complaint: This company I mail my payment to ansd they take almost 2 weeks to actually cash my payments. Constantly charging late fees. My bank XXXX XXXX XXXX notified me of this process. When it is late I pay a late fee with it however it does not take 2 weeks to post a payment.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: A  Discover Card re presentative called me today about an outstanding balance on  XXXX  credit cards that were opened with them on  XXXX / XXXX / 2016 . I informed him that I have no credit cards with Discover and have never applied for credit with them.. I did report as fraudulently  XXXX  credit card that was opened with Discover back in  XXXX . I informed them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after the phone3 call today I 've learned that they did n't close out the card and that there are  XXXX  additional cards opened fraudulently with Discover. Their investigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back in  XXXX  that they were fraudulent. In  XXXX  I was advised by  XXXX  to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need these  XXXX  accounts closed as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: What happened? 

I bought a car on XXXX XXXX and gave permission for XXXX finance to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pullsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. Please help me to fix this problem. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I started college with financial aid. I was offered a direct loan by the registrars office with XXXX foundation. I got bought out thru Navient. My credit report has me owing over {$29000.00}. I went to school for 1 semester. I received like {$11000.00}. My credit report has each time my loans were switched and/or bought out from another company added to my credit report. I thought it would switch from one to another. This has not happened. I do not know how much the loans were sold for but it 's like they double or even triple. I actually withdrawn in 2016 from the XXXX and I tried to attend again ; I was told I owed the school {$700.00} to {$900.00} because of some strange reason. I took care of my mother for 4 years until she passed away on XX/XX/2016. Now I planned on attending college again but it seems as if will be purchasing a house for my college degree.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (LA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: i close my account cause my the bank was taking my money.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau ( TRANSUNION ) responded that key factors will not be deleted. Why? XXXX responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each one of these disclosure information pages appear to be identical to each other. I am shocked that one of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from XXXX ( XXXX-dated XXXX/XXXX/XXXX ; XXXX ( XXXX-dated XXXX/XXXX/XXXX ; TRANSUNION ( XXXX-dated XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: Hi I used Paypal to purchase eyelashes online from the individual named XXXX XXXX from XXXX on XXXX/XXXX/2016. However after repeated attempts to contact the seller and try to get status of the shipment, I still did not receive my goods. I wanted to dispute the transaction on Paypal but could n't and received the error saying " We 're sorry, but this transaction can not be disputed because it is not a purchase of goods or services. Please contact the recipient directly. '' However I could n't contact the seller, XXXX at all. I just want my money back at this point so please help me! 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Medical) with The Thomas Agency, Inc. (MA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I had no money had all I could do to pay my rent. Offered to pay XXXX $ per month and he refused it. Called me at all hours. Never in my life have I had someone be so rude and disrespectful and not want to work with me. He made me feel about an inch tall and I cried I was so upset. Now on XXXX report these do n't even show and XXXX dies and has dropped my score. I had no idea I could dispute this. I did n't know to even dispute it to. Asked to speak to his manager. He basically told me I was trash. I did end up paying the XXXX $ XXXX and it 's still on my credit report. I just want it removed off the XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I entered into contract with XXXX under false pretenses. Salesperson enticed us to sign XXXX program contract stating the benefit was if we left XXXX we would not incur Early Termination fees. When we left, we incurred exorbitant early termination fees. They have not removed the fees even though I have disputed them since they have tried to collect them.

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 06/23/2016 about Payday loan () with Midwest Recovery Systems (IL).
Issue: Can't contact lender

Complaint: I never applied for a payday loan through this XXXX XXXX XXXX, they 're scammers. They have all of my information old checking account number my social security number. I just learned Today XXXX/XXXX/16 they have put this on my credit report as a collection for the amount of {$640.00} and this Midwest recovery is on my report. I called the XXXX XXXX number and they told me that I can settle this matter for {$300.00}. I do n't owe this never got a payday loan from this group and want this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have filed complaints about my credit score going down from XXXX to XXXX for no good reason. I just noticed they have the wrong address on my transunion report. It erroneously lists XXXX XXXX XXXX, XXXX XXXX, ny XXXX as the address. 
My address where I own a home is XXXX XXXX XXXX XXXX XXXX, ny 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 06/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Wells Fargo has countered the buyer on this property without having done an interior appraisal. When we requested a copy of the value from Wells Fargo representative XXXX XXXX, he stated Wells Fargo does not have to provide a copy of their appraisal, and therefore does not have to comply with the XXXX Valuations Rule or CFPB guidelines. He refused to help us and referred us to the negotiator instead. We had already reached out to the negotiator " XXXX XXXX '' last week and she has refused to respond. 

We believe, in fact, there is no appraisal on file at all. We believe Wells Fargo has either an automated value or a drive-by BPO on file. To label either of these as an appraisal is Fraud. 

The homeowner has stated they have not given interior access to anyone from the bank. We believe their reluctance to provide a copy of the value is because it does n't actually exist and they simply made XXXX up. 

Wells Fargo said they do not intend to comply with the XXXX and CFPB guidelines. 

This is very odd. Unfortunately this is not the first time management at WF stated they are not do not have to comply with State, Federal or CFPB guidelines. They think it is a joke.

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 01/17/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (MD).
Issue: Loan servicing, payments, escrow account

Complaint: After purchasing my home in XXXX of 2012 for a purchase price of {$230000.00} and an appraised value of {$250000.00} it was noted in writing that PMI would be dropped after XXXX percent of the purchase price was paid with a certificate of value showing the home had maintained it 's value, or automatically after XXXX percent of the originally purchased price was paid. 
I paid off XXXX percent of the purchase price and obtained a certificate of value, but unfortunately the certificate was prepared by the bank and it shows that my home is now worth only {$210000.00}. This can not be true since all homes in my community have increased in value since 2012, and the recent tax assessment of my home is {$300000.00}. I therefore believe the bank is showing a low value simply to prevent my payment from being reduced. My mortgage banker is Coldwell Banker Mortgage. I have attached a copy of my latest tax assessment for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 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: Was not notified of investigation status or results

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section 611 ( 5 ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received an alert on my XXXX report on XXXX XXXX XXXX that there 's a change on my credit report. I log on my report to find an account from green tree servicing l a count # XXXX showing a debt of XXXX that I owe. They do n't have the original creditor reported on the report. From the date it show this was opened XXXX XXXX bought an expired debt that is well over the statue of limitations from hsbc. They knew this when they purchased this debt which is why they did n't notify me to dispute this before they reported it to my credit report. XXXX are know for illegal actions such as this XXXX. I have enclosed a copy of an XXXX report dated XXXX XXXX XXXX that shows the original creditor hsbc/household finance Corp account # XXXX ... the debt shows the account was opened XXXX XXXX balance and the date this was removed from my report XXXX XXXX. This was written off XXXX XXXX and has been past due months before it was written off which is why this is no longer on my credit report. I also in closed a copy of my current report with XXXX servicing on my XXXX as of XXXX XXXX XXXX with this expired debt. The date opened is the same XXXX of XXXX. This debt is expired and should not be on my report. Hsbc has been deleted from all XXXX credit bureau since XXXX of XXXX. XXXX have purchased and expired debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 1983 my Ex. friend had put me down as a contact person for XXXX Student Loans. Said Ex. friend 's Daughter put me down as a contact person for her Student Loans and Parent Loans through XXXX. Five years ago - they each defaulted on there XXXX loans and since then we have had around XXXX XXXX calls XXXX. We wrote to our state XXXX and they did help us. The Letters stopped, than the phone calls started - again we wrote to our XXXX XXXX XXXX XXXX XXXX than the phone calls through XXXX stopped. Than the phone calls from the lawyers for XXXX XXXX started calling -. This stopped after the XXXX office again contacted them - Now, last week, the phone calls have started again. We were just a contact person ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed debt XXXX from my credit report and it was removed on XX/XX/XXXX under debt collector XXXX, XX/XX/XXXX under XXXX debt collector, XXXX/XXXX/XXXX under debt collector XXXX, and XX/XX/XXXX under debt collector XXXX. Now another creditor-Pendrick Capital Partners XXXX have placed the debt back on my credit report without notice or validation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Navient has made several attempts to get information from my employer. They have called my office line, my company and have mailed requests to the company requesting that they disclose personal information about me and my employment. My company has a policy to request my authorization before releasing such info so I do not believe they disclosed. Navient should not be phishing and making attempts to acquire information about me through my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: repeated calls, as many as XXXX or XXXX per day to my cell phone. All from different numbers that all show up in my caller id as the same company name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX  will not remove old deragotory information from my credit report. It is mor e than ten years old. The statute of limitations has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: From XXXX through XXXX, XXXX of the nation 's largest credit reporting bureau, Equifax, made my personal information available to hackers. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about XXXX people and dispute documents with personal identifying information for about XXXX people

Company response to consumer: Closed with explanation