milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I was denied insurance coverage based on information provided by XXXX XXXX. I was informed that I was entitled to receive a free copy of a consumer report from TransUnion if I requested the report within 60 days of receipt of the credit denial. I requested a copy in writing on XXXX XXXX, 2017,  10 days after I received the denial letter ; from the agency listed on the denial letter, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. This request went unanswered.

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 12/29/2016 about Consumer Loan (Title loan) with Select Management Resources, LLC (OH).
Issue: Lender repossessed or sold the vehicle

Complaint: Thr lender keeps contacklting me about a vehicle that I have n't had in my possession since XXXX of 2015. I was assuming that they were the ones who repossed my vechile since I didnt have anything else on it. I want the calls to stop while I 'm at work! I 've mentioned several times to contact me when I 'm not working, however, the company refuses to contact me within those time frames, not to mention its probably illegal for the representives to call me from their personal cell phones which actually did happen!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: JP Morgan Chase Bank has locked out the property located at XXXX XXXX XXXX, XXXX NY XXXX for several years. The property is a townhome located in the XXXX XXXX XXXX. The exterior of the property is in need of maintenance. The property conditions is far less than that of it 's attached neighbors and in the Association which is bringing the homeowner values down disparaging all owners in the Association. JP Morgan Chase does not return phone calls or written communications. The property has been vacant for several years and needs to be repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Online Collections is reporting that I have a debt with their collection agency for {$2600.00} on my credit report. However, I called them and paid off this debt on XX/XX/XXXX. I have disputed this account with the credit bureaus twice since I paid it, however Online Collections continues to tell the credit bureaus that the debt is still unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I, XXXX XXXX had only XXXX mortgage that eventually ended up with Ocwen Loan Servicing. The original loan was for {$110000.00}. The XXXX late payment of 30+ days took place in 2006. Ocwen has posted the same loan XXXX, and has purposely cut off several years of payment history. Even though the loan has been paid in full, the 7-year rule applies pertaining to the posting of credit histories. All Ocwen loans must be deleted permanently, not just the duplicated items. Ocwen Loan Servicing is now being forced to sell off their servicing assets by court order that started with Federal Trade Commission sanctions. My credit is being destroyed by Ocwen Loan Servicing illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Shopping for a loan or lease

Complaint: I currently have a personal loan with One Main .When I opened the loan it was Springs Leaf. I borrowed {$5000.00} and I have never missed a payment in a over a year. The One Main office sent me an offer to borrow {$4000.00}. I called to make an application. My income debt ratio did allow me to make the loan. I needed to make at show {$700.00}. more on my income. I called back to ask if I can apply with a cosigner. I was told they needed to live in the same household. So I called another OneMain branch and told them what I want to reapply with a cosigner and asked if the cosigner needed to live in the same household. I was told it was not necessarily. I was lied to by the loan office I tried to open my loan. I have account there now. This office is denied my loan based on a lie. Because it is not necessary for the cosigner to live in the same home coordinating to the second OneMain Branch I called.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Other debt) with Capital Accounts, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2017, I paid my account to XXXX for Capital Accounts LLC. Capital Accounts is a debt collection company. I called to advised them of my final payment and was told that they received my payment and my credit report will be updated in 30 days. After 30 days I noticed that the payment on my credit report increased to {$170.00}. I called again to see why my credit was showing a balance when I have paid the account in full. The representative assured me that my credit would be updated in the next 30 days. I waited another 30 days and my credit still shows that I have owe {$170.00}. I then sent an email on XXXX XXXX to Capital Accounts advising them that the information on my credit report is incorrect and to please update my credit showing that I have paid off my account. I have yet to hear back from anyone and my credit still shows that I owe {$170.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent of letters certified mail disputing all negative errors on all  XXXX  of my credit reports asking the credit bureaus to verified and send my proof that they verified all of the negative items im disputing. Plus I spoke with agents over the phones about all of this as well.

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 11-01-2016 about Debt collection (Medical) with JP RECOVERY SERVICES, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My insurance company paid the bill. The issue is at the time of service they assured me they were in network and if I am in network the insurance company would pay for the entire XXXX If I am out of network they do n't The agent at the desk upon sign in assured me they were in network. This was fraud and misleading as I relied on their statement or I would n't have done the XXXX with them. They have been paid by my insurance company per the negotiated rate I do not owe any amount beyond what they paid if they were in network which I was assured they were at the time of service. I am requesting the debt collector to CEASE their attempts to collect a bill that I did n't not agree to pay.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 05/27/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving multiple calls per day, up to 14, several times an hour, some with 'Portfolio Recovery ' in the Caller ID, the others showing as 'Unavailable ' or from a multiple of states and numbers.. 

The 'Unavailable ' and multiple states/ numbers phone calls are actually from 'Portfolio ' as I have been answering the calls at various times, and the callers states that they are calling from 'Portfolio '. 

Despite repeatedly requesting any documentation regarding the debt, I have yet to to receive any correspondence. I was advised by the company, that they 'do not communicate via mail ' and 'all matters were handled through telephone '. 

I have repeatedly requested that they do not call multiple times each day, or to please record a message on my answering machine. I have been told that they are 'unable to leave any messages regarding the matter ', despite previous instances of messages being left. The usual format that they follow with the repeated phone calls is to wait on the line until the machine answers the call, proceeds through entire recorded message and then 'beeps ' to indicate recording period. They then hold the line for several seconds and then hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2015 about Credit card () with JPMORGAN CHASE & CO. (AE).
Issue: Rewards

Complaint: Chase contacted me to apply for a credit card and promised that if I spent {$3000.00} within 3 months that I would receive XXXX XXXX miles as a bonus. Several months after I had fulfilled that spending requirement, they sent me a postcard that said I did not qualify for the promotion and would n't receive the promised points.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have made several principle only payments to my student loans with Navient? Instead of them applying all of the extra payments toward the principle, Navient takes interest payments from the extra principle only payments and applies the remainder of the principle only payment future months payment so that they can earn interest from principle only payments. When I make these payments using Navient 's website I choose the option which allows me to make the principle only payment and I still would be responsible for the next month 's payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America sold my account in XXXX 2016. It was never delinquent, but Bank of America reported it delinquent in XXXX 2016.

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 10-01-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted XXXX XXXX XXXX in regards to an account listed on my credit report that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX XXXX. I have asked XXXX to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to XXXX XXXX XXXX. I have never had an account with XXXX XXXX. I have sent them XXXX Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports. They have responded twice with letter saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2018 about Debt collection (Credit card debt) with U.S. BANCORP (ND).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This relates to complaint XXXX. After I filed the complaint, I got a letter from US Bank indicating that the account " was charged off due to delinquency on XX/XX/XXXX. '' The XXXX XXXX XXXX falsely represented in court pleadings that it was collecting on behalf of US Bank XXXX XXXX  when US Bank has already charged off the debt. 

The US Bank Letter went on to say that the " Platinum Visa Card account ... was ultimately included in the XX/XX/XXXX sale to XXXX XXXX XXXX, XXXX ( XXXX ). '' And admitted that " U.S. Bank no longer owns the rights to this account. '' Question : How can a bank claim a tax write-off one year, and then sell an asset that has already been written off the books the following tax year? That seems like fraudulent tax reporting, if not fraud itself. 

Is the sale of an unsecured debt legal AFTER the creditor ( in this case, U.S. Bank XXXX XXXX ) has ALREADY written off the debt for tax purposes? 

At any rate, XXXX XXXX of the XXXX XXXX XXXX ( XXXX, ND ) falsely represented to the court in legal pleadings that she was collecting on behalf of U.S. Bank XXXX XXXX, when US Bank XXXX, according to its XX/XX/XXXX letter, has no involvement in this debt collection whatsoever. That seems like both fraud and attorney misconduct, as well as a false representation in legal pleadings by XXXX XXXX and the XXXX XXXX XXXX. When I left a message with the XXXX XXXX XXXX about that fact yesterday, no one called me back. And when I tried to call them this morning, they disconnected the call before I could even speak a word ( likely because they saw who it was on their Caller ID ). But the XXXX XXXX XXXX is committing fraud on the court and making false representations in pleadings. 

And, they filed a false response to the CFPB, which violates 18 U.S.C. 1001. I read the company response. They didn't ask me for the last four digits of my social security number ; they demanded the ENTIRE SSN, as well as my date of birth ( neither of which I am required to give under the law, especially to a debt collector on a fishing expedition ). They lied, so don't take their word for it. Rather than rely on their response, subpoena their tapes of telephone calls ; they state that ALL of their calls are being recorded.

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 10/24/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (CT).
Issue: Problems when you are unable to pay

Complaint: My complaint is in regards to Honda finance as well as XXXX XXXX. First of all I was laid off XXXX XXXX and I called from day 1 for assistance while I sorted out how I will be able to survive on less pay. Honda was unwilling to do anything. They also were suppose to change my payment date from the day I got thr car and never did and the recorded phone calls fell through the cracks so I 've been paying late fees on top of it all for months when if they had did their job I would n't have had late fees. Then now since XXXX I 've been behind XXXX payment due to being unemployed, however once I received unemployed I 've been making payments that are more than my minimum but all I could afford and after 6 'moths of doing so with no issue I find they put a repo on my car yet they refuse to take a payment other than through XXXX XXXX. XXXX XXXX confirmed our payment to Honda yet sent it to another company anyway and after a week still have yet to even attempt to resolve this issue or take accountability for THEIR error. They were suppose to fix the issue on XXXX, we have called several times and they still have n't resolved it and my car is in the process of reposition still and neither company will take accountability for the lost payment which I have confirmation of making despite XXXX XXXX not doing their job correctly. Now Honda will not stop the repossession of my car in the meantime over ONE PAYMENT LATE. So now my money is gone and I have no way to make another {$380.00} payment and my car can be taken from me at any time. Further more Honda gave me NO WARNING. They claim to have sent me a notice for the repo months ago that I never received and they refuse to find the certification letter to see who signed for it because no one in my household or that I know signed for the letter and I do n't believe they even sent it. I feel like I 'm being taken for a ride for trying to do the right thing and I do n't want anyone to have to go though this, especially when it 's hard enough to survive when your unemployed. Not to mention I can loose everything I have all over again like my new job because they would rather take my car over being 30 days on XXXX payment that they have proof I attempted to make. Either way I never want to even look at a Honda again after being treated so poorly. Never in my life have I had a car company treat me this way especially when I 've been in constant contact and they were fully aware of my lay off as I called them before my family even knew that I was unemployed and still made payments higher than my minimum due with no issues for months to try to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Fradulent credit inquiry on my credit report. I have called several times and told that this fradulent inquiry would be removed. It has not been removed from my credit reports. I did not authorize this inquiry and need it removed immediately

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I was behind on my payments. I called them to make a payment to get caught up on XXXXXX2017. After I made the payment with a Wells Fargo representative I was told that the vehicle would n't be repossessed. The weekend following the conversation ; the truck was repossessed on Saturday morning around XXXX. I had to get a rental and missed a few days of work due to a processing error on their part. After contacting Wells Fargo, they returned the vehicle a few days later without any cost to me ; however at that time I was told that they would compensate me for their mistake, which was the cost of a car rental. After several conversations with no resolve, I decided not to make any payment until the unlawful repossession was taken care of, by means of Well 's covering the cost of the rental, which was promised to me. Which on my part was n't the correct way to handle the situation. After several weeks of attempts to have the costs covered ; I attempted to bring the loan current, since withholding payments were not getting the result I had hoped for. When attempting to make a {$4000.00} payment I was informed the loan was going to be charged off for being 120 days past due this was on XXXXXX2017 and I was also informed they no longer would accept any payment to bring the loan balance current. At that time ; with the last payment made with my calculation I was only behind 67 days not 120. Wells Fargo during the call forwarded me to thier national recovery center to discuss my options. I opted to open a case with presidents office of wells fargo which in return should have stop the repossesion as well as the calls from the national recovery center until the case was reviewed ; it did not. I also have been trying to make payments and have been informed " no payments '' to the loan would be accepted. On XXXXX.2017 I once again contacted Wells Fargo to make a payment ; at this time I was informed only a payment of $ 19,000+ would be accepted with a new agreement to then make four subsiquent monthly payments of {$4700.00} to make a total of {$38000.00} in less in 5 months.

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 09/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I had {$5000.00} XXXX Student Loan forgiveness on XXXX process through on my Navient loan, and came to find out later that {$4900.00} of that was applied to principal and {$30.00} was applied to interest, all to the oldest student loans with the lowest interest rate. I called when I realized that and asked that it be applied to the loans with the higher interest rate and asked why {$30.00} was paid in interest and not all to the principal. The representative from Navient could not give me an answer and after repeatedly asking it be changed they hung up on me. I have called since and never been given an answer and it has never changed. I am certain I have been paying way more in interest due to this mistake then need be, and could possibly have my loan paid off by now because of the extra interest I have paid from the forgiveness amount being applied to the lower rate loan and not the higher rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are several hard inquiries on my credit report, and I did not authorize them. Also, there is a paid lien that needs to come off, and the XXXX on my report was not me, and is past the statute of limitations, and should come off. I asked a credit fixer about it, and he said because the debt was bought by another company, they restarted the incorrect date. Please review my credit report and fix these problems. Thank you for your help, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received an alert on my XXXX Credit report only to find out this this company Credit Control Services is on my credit report for XXXX which is a company that i have never done business with. I have not received any letters pertaining to this debt and they did not validate this debt. It states on my credit report that the debt was opened XXXX which is false because I have been with the same insurance company for auto for over 10 years. This was put on my credit report illegally and without contacting me. if they do not take this off of my credit report I will be forced to take legal action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation