milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A default judgment for XXXX was entered against me because, the company ( portfolio recovery services ) asked the court to assume the debt was valid if I did n't respond within 30 days. I did n't, because I figured I 'd lose anyway. The amount I was sued for was a lot more than was spent on the card, & I had made payments before it defaulted. I have asked the attorney for billing statements to see the amount on it, but all I can get is the amount portfolio recovery services sent them that they said I owed. I would like to settle this for less than XXXX, but it 's been over 30 days since the judgement, is there anything I can do now?

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Here is the short version of my 2 complaints : 1 ) In the summer of XXXX in discussion with Citi rep about the  best way to lower my existing Citi mortgage, the rep suggested a loan modification given the fact that I no longer had 2 years of steady income. I went thru a 9 month horrifying process of repeatedly providing financial details which were repeatedly lost by Citi and re-requested. Citi account reps assigned to the account were swapped out 5 different times and each time it entailed new requests for same documentation. Each rep was never reachable by phone. The rep phone number rang into a call center in XXXX and they would schedule a call with the rep with an average of 2 week delay. The process is completely broken and truly feels like its designed to purposely dissuade people from continuing. At the end of the process they declined the request mainly because I was current on my mortgage and because they believed we had the ability to pay. Why wouldn't they have suggest a straight refinance? 
2 ) Worse yet, we are now being harassed by Citi. We have been and will continue to be current on our mortgage and Now have received a letter suggesting that we are approved for a shot sale. And if we want to " suspend foreclosure activity and accept this offer '' for short sale we must contact them at XXXX WHO ARE THEY KIDDING THEY ARE GIVING US JUST 2 OPTIONS ; A SHORT SALE OR FORECLOSURE. HOW DO THEY HAVE A RIGHT TO EVEN SUGGEST EITHER WHEN WE ARE ABSOLUTELY CURRENT AND ALWAYS WERE. THIS IS BULLYING AND HARASSMENT AND I WASTED 9 MONTHS OF MY LIFE I CANT GET BACK WITH THEIR LAME LOAN ADJUSTMENT PROCESS. 

I HAVE KEPT RECORDS AND I AM PREPARED TO TAKE THIS TO MY ATTORNEY AS NEXT STEP IF THEY DON'T IMMEDIATELY STOP SUGGESTING THEIR IS REASON FOR FORECLOSURE ACTIVITY ON A LONG TIME PAYING MORTGAGE CUSTOMER. 

PLEASE CONTACT ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have a debt collection on my account who I do not have any idea who this company represent. I request this debt to be removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: I paid down ( Approximately XXXX XXXX ) my Cedit Card by XXXX with a XXXX XXXX XXXX XXXX ( photo of Money included prior to mailing ) by mailing the Money Order to Citicards. I kept checking my card balance to see if the payment was ever applied to reduce my balance. The Balance was never reduced and the I found out from the XXXX XXXX XXXX that the Money Order was cashed on or about XXXX XXXX, 2016. I have filed papers with XXXX XXXX ( also included ) requesting an investigation. I have also requested CitiCards ( Payments Investigation Dept ) to determine who cashed my Money Order made out to Citicards. I also forwarded to Citibank copies of my paper work to XXXX XXXX requesting an investigation ( paperwork also attached ). 

I am aslo forwarding to the CFPB copies of documents forwarded to Citicards and XXXX 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 07/14/2017 about Debt collection (Other debt) with I.C. System, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: No Contract_ I have requested proof of validation on several occasions. I asked for the original " alleged '' contract with my true signature and that of a qualified employee with the " alleged original creditor ''. After requesting that information several times they failed to provide me with that proof that I am allowed to have by the guidelines. Since they failed to send me the requested proof I want this account closed and removed 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 04/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient failed to pay XXXX, which they are required to do. I paid Navient as I do each month and they failed to disburse the payment to XXXX, resulting in a negative mark on my credit report as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting incorrect information on my credit report in reference to an account with XXXX XXXX. According to the terms of the contract this account went thirty days past due XX/XX/XXXX and was never current from that point forward. XXXX XXXX is not disputing this ; please see attachment enclosed. XXXX XXXX is attempting to age the debt through internal reporting practices. Any changes in the terms of the contract must be in writing and I did not consent to any special deferment program that allegedly brought the account current XX/XX/XXXX. I request written documentation changing the terms of the contract. If XXXX XXXX is unable to produce written documentation expressing my consent to changes in the terms of the contract then they must adjust the date of delinquency to XX/XX/XXXX. These internal reporting practices are a way to age the debt and are a violation of the Fair Credit Reporting Act. This account went 30 days past due more than seven years ago and exceeds reporting limits.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: THIS IS A CONSISTENT PROBLEM THAT I 'M CONTINUINING TO HAVE. 
ON XX/XX/XXXX AND XX/XX/XXXX MY BANK ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY A COMPANY CALLED XXXX. I NEVER RECIEVED THE MERCHANDISE AND I FILED A DISPUTE WITH MY BANK AND THEY CREDITED ME BACK THE XXXX ON XX/XX/XXXX, I RECEIVED A LETTER FROM MY BANK STATING THAT ON XX/XX/XXXX, THE CREDIT WILL BE REVERSED. THIS IS UNACCEPTABLE AND I WANT AN INVESTIGATION INTO THE MATTER. I SHOULD NOT BE PENALIZED FOR MERCHANDISE I NEVER RECEIVED.

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On several attempts Ive tried to contact Equifax to inform them of some inquiries on my credit report I do not recognize. Under the FCRA 604.15 inquiries are only to be pulled for insurance, employment, court order. For this reason, none the these inquiries fall under those circumstances. XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ),  XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ). These are not my inquiries and I did not authorized them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (PA).
Issue: Account opening, closing, or management

Complaint: * I was deceptively enrolled into the PayPal Credit Program without my knowledge. 
* I requested the Account be closed - PayPal Credit did not close it for 6 months during which more Fees seemed to accumulate. 
* I was billed erroneously and charged unexplained Late Fees. 
* I requested and was told I would receive documentation on these Fees at least XXXX times - I received nothing. 
* Their Collections people called and offered " pay off '' amounts but would NOT issue a letter indicating the " pay off '' would result in the matter being settled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/25/2018 about Debt collection (Medical debt) with Automated Accounts Management Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed XXXX XXXX Medical Center so many times and I'm still not getting this matter resolved what the collection company called automated accounts. Back in XX/XX/2014 someone used my information and created {$2200.00} medical bill that I'm not aware of this charge which I did not authorize for this charge which I did not go to emergency in XXXX California because I was residing in XXXX XXXX California and basically trying to resolve the dispute fraudulent dispute with this company and I'm not getting no results removing this collection from my credit report someone use my information and cause a medical bill of {$2200.00} and I need this to be removed from my credit bureau which I have disputed fraudulent charge so many times and Im not getting no resul.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NH).
Issue: Managing the loan or lease

Complaint: Ally Auto has reported a XXXX day late payment for the XX/XX/2016 payment. The payment was made online XX/XX/2016 on the XX/XX/XXXX day. I have asked Ally to review and correct and had no response. Below is the online confirmation of the payment made XX/XX/2016 : print View details : Make a Payment Account Account Number Login Date/Time Requested By Transaction Date/Time ( ET ) XXXX XXXX XXXX/XXXX/2016, XXXX am thomasgirard XX/XX/2016, XXXX am Note : Transaction Date/Time shown is Eastern Time Zone Payment Confirmation Number : XXXX Payment Type : online Total Amount Paid : {$370.00} Payment Date : XX/XX/2016 Payment Account Number : XXXX Payment Account Routing Number : 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 09-07-2016 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: While XXXX on military duty. Quicken Loans reported we did not pay our mortgage. This is not true. We proved the auto payment was made. We have disputed over and over. Finally we gave up and in exchange for an agreement by Quicken Loans representatives to remove the 30 day reporting we paid again. After one month negative info returned. We paid another additional payment and again the incorrect information returned. What s so frustrating is even if this was true we missed one payment. But it 's reported as 30 days every month we were disputing. So instead of XXXX 30 day late we have XXXX even though every month there was a payment received. It 's immoral that any organization can be completely unregulated with unlimited power to destroy lives. Lies over and over. Our lives destroyed. 30 years of faithful service to this nation. We have no rights. We want this information removed now. I 've filed a congressional. We will never stop fighting these despicable horrible people. When we allow banks the power to destroy soldiers while out the country we prove what kind of people we really are. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I noticed when checking my credit report that there was a bankruptcy on there and I called transunion to dispute it and they told me that I would have to call the consumer which is the XXXX XXXX Court when in calling them I gave them the necessary information and they informed me that they had no record of me having a bankruptcy in there court system. So I then called back to transunion to dispute it once again and they sent me a letter stating that it is indeed me that has a bankruptcy. I have never lived in the state of California. Now I called the courts back and they had me get in contact with the US trustees, they did some digging and found out that it is a male with my madden last name and our last XXXX digits are the same but the rest of our SS numbers are different. And for the life of me I do n't understand how this could happen and if I found out this information why could n't do the same. And if it is on Transunions why does n't it appear on the others if it were true. I would like this to be taken care of. They were rude when I called them and I really did not appreciate the way they talked to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Debt collection (Other debt) with ResidentCollect, Inc. (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Innovative Recovery has opened a false collection action from XX/XX/2015 in the amount of {$2100.00}, this debit is erroneously on my credit report and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (I do not know) with Apelles, LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting phone calls from this number several times a day now for over 2 months. When I Googled this number, it comes up as a scam number -- high risk. Then last week, a ma n left a message twice on my recorder that he is attempting to collect a debt on behalf of Apelles LLC, but  the phone number he left to call back was  XXXX , not as shown on my call logs. I have no idea wh o this Apelles LLC is . I have never received any letter from a creditor informing me that this company has been retained to collect a debt on their behalf. I have filed a complaint with the BBB in  XXXX , OH where this company is headquartered and asked that they cease and desist in calling me and leaving messages on my recorder ( done last week ). I have not received anything back from BBB with a response from this Apelles. I do not have a private voice messaging center as caretakers have access to my recorder as I am in and out of the hospital much due to   XXXX   XXXX   XXXX  . The FDCPA prohibits debt collects from leaving voicemail messages when the voicemail is not completely private with others having access to voicemail messages. My caretakers took these  XXXX  voicemail messages left by this ma n ( no name left ) and are  now aware that I am having financial difficulties. Another call came in again this mornin g (   XXXX / XXXX / 17   ) which tells me that this company has not responded to the BBB ( if it is even this company making these calls ). I  am a very ill person with   XXXX   XXXX    XXXX  and can not tolerate such calls coming into my home numerous times a day. Again, I have not received any letter from creditors info rming me that Apelles has been retained to collect a debt. Any outstanding debt that I have has been addressed directly with my creditors and none of them have retained Apelles to collect my debt. It is enough that I have to deal with the massive amount of robo calls that are coming in every day from all over the country, let alone someone I do n't even know leaving messages on my voicemail about co llecting a debt. I have saved the messages that were left on my voicemail by this man ( again, unidentified ), and if this continues I will file for the {$1000.00} fine for each call that continues to come into my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Credit card debt) with WINN LAW GROUP, APC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: The following is a summary of actions between me and WINN LAW GROUP , APC.     After agreeing to pay the amount under condition that plaintiff and attorney for plaintiff show proof of debt, the agency in question did not yield or attempt to provide evidence supporting their claim. It is my belief that my private information was obtained illegally, therefore I contacted my local law enforcement agency to file a report for Theft of Identity under State of Califor nia Penal Code ; 530.5.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


Cbcinnovis XXXX XXXX/XXXX  XXXX/XXXX The only banks authorized them to do what they needed were XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Student loan (Non-federal student loan) with Manhattan Beach Venture, LLC (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Complaint on scam XXXX XXXX XXXX asks for my SSN over the phone and personal information about my last year tax return. He also ask about how much I make a month and lot of personal income information. He stated he needed this information to see how much I owe to Federal Student Loan. I 'm worry because I gave my SSN and some of my personal information over the phone. I tried to look this company up under XXXX and nothing is coming up. XXXX XXXX stated they were legit. I copy some information from the email I was sent from XXXX XXXX, which is provided below their address to this so called company and the name. He stated they help with Student loan and to get People down to no payments or low payments and he also requested for me to attach income documents to email. XXXX XXXX phone number should up as a XXXX phone number but he stated he was located in XXXX and gave me a XXXX contact number which is provided below. I provided the company information below : The Student Loan Relief Department Contact us XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX direct line XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt claims I owe {$110.00} since XX/XX/XXXX. Seeing as though I was working in XXXX, it ca n't be authentic. Last reported in XX/XX/XXXX to the credit agencies. 

I already wrote to this company with no response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I bought a car  from Honda Financial Corp and obtai ned a car loan, last year I struggled to keep up with the payments and the car got repossessed in  XXXX    XXXX  . Some time in  XXXX  a received a statement fr om Honda Financial stating that they sold the vehicle and I owed them {$440.00} plus cents. Som etime in  XXXX  I received a collection letter from a third party collection agency stating that I owed  Honda Financial {$20000.00} and some cents, so I immediately contacted Honda and the y said they made a mistake and they sent me an incorrect statement and that I owe them the {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have a open collection on equifax 's credit report. i have disputed the validity of this with the collection agency ( XXXX ). they have sent me a letter stating that they have requested that this be removed from the XXXX agencies ( XXXX and equifax ) reports. XXXX complied and equifax refuses. i have disputed this and they insist it has been validated even though the collection company has stated in writing that this was an error and should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (AL).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/14 my son bought a car financed thru chase bank.On or aboutXX/XX/XXXX14 I got a XXXX alert that a XXXX car loan was put on my credit report.I t was thru chase bank.I notified them that I did not sign for a car loan or ever saw a contract for car loan.Never knew of a car loan, until after contract was signed.Chase bank fraudulently kept me on a car loan for a year and XXXX and made money on a loan I never signed for.They sent me letter stating I would be responsible for the loan if it defaulted.They have broken banking laws that protect consumers from this.The contract was a sham and fraud from the beginning.Chase bank did not verify who signed the loan document or had it notarized at all.This amounts to fraud and keeping someone on a loan who never saw it for profit.

Company response to consumer: Closed with explanation