milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In a recent ( XXXX 2015 ) check of my credit report I discovered a derogatory listing from Portfolio Recovery Associates. This listing was been made with no notification to me and I did not receive my right to dispute. As I am unaware of any outstanding debts to Portfolio Recovery Associates, On or about XXXX XXXX, 2015 I made a written request for Debt Validation via XXXX Certified Mail # XXXX. I did not allege fraud or identity theft concerning this account. I was simply aware of any outstanding debt to this company. I have copies of this letter and proof of its delivery on XXXX/XXXX/2015 signed by XXXX XXXX. I received a response dated XXXX/XXXX/2015 stating if I wished to dispute the account to respond with a written request. 

Despite having already notified PRA of my dispute and request for debt validation I responded to the correspondence sending yet a XXXX Debt Validation request to PRA via XXXX Certified Mail # XXXX. I have copies of this letter and its proof of delivery signed for by XXXX XXXX also. In this correspondence I requested any documentation that there was a valid basis for claiming that I owe the alleged debt or a copy of a the last billing statement bearing my name sent to me by the original creditor. I also requested a basic explanation of how the alleged debt amount was calculated. 

PRA failed to cease all collection efforts until the full and complete validation was sent. On XXXX XXXX, 2015 a balance of {$3800.00} was reported which constitutes continued collection practices. Additionally at the time of my XXXX request the account still had not been marked " in dispute '' with the XXXX Credit Reporting Agencies. This was communicated to PRA in my XXXX request. 

In XXXX 2015 I made a final formal request that PRA provide me with debt validation of this alleged debt account within 15 days. I also asked that If they were unable to do so for them to delete the harmful item from my credit files. I sent this letter via XXXX mail ( Certified # XXXX ). 

PRA has failed to provide proper information regarding the debt. I am not aware of this debt and I would simply like proper information pertaining to it or to have it removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The companies Equifax, XXXX  and XXXX are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the Equifax, XXXX  and XXXX companies, and they sell your private and personal information or spread wrong information about you!!! 
Equifax, XXXX and XXXX are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
Equifax, XXXX and XXXX are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
Equifax, XXXX and XXXX track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about you!

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (I do not know) with Focus Holding Company (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Frequent calls from Focused Receivables Management LLC, XXXX. Lots of harassing calls and messages with no information on what and who I owe, of which I do n't.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (NC).
Issue: Problems when you are unable to pay

Complaint: Starting in XXXX of XXXX, I became apprised of my rights under the FCRA regarding a repossession of my BMW. I contacted the bureaus and BMW directly because in XXXX XXXX my car was repossessed. I became XXXX and made payments for as long as I could. Simultaneously I was in danger of losing my home, which eventually happened in the same month. I was told that if I surrendered the vehicle it would be recorded as a " voluntary repossession ''. This was not the case. Further, according to the laws of the State of North Carolina UCC 25, and the State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I assert that because I lost the home, I was never provided with the notices and was also denied an opportunity to cure. The paperwork was not forwarded until months later. Moreover, the FCRA requires that all information regarding this account are accurate and true. One of the bureaus shows the vehicle as a charge off, where I know BMW received a credit on their taxes for the amount they claim in XXXX. The other bureaus show that the account is open, which is inaccurate. The amount of the charge off was reported incorrectly for several years. When I brought this to BMW 's attention and they updated the amount, but not the status of the account. This account has caused me continuous hardship and is being reported incorrectly. Lastly, under Section 1-52.1 of the North Carolina Rules of Civil Procedure , the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards. This debt is no longer even collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: In XXXX ( perhaps coincident to the early spring XXXX hack ) my credit card activity had six or seven incidents of unauthorized use. I filed a report with the FTC and with my local police department. 

I decided it was best to freeze my accounts at the three credit bureaus. I confirmed that for the state of Oregon and because I was the victim of identity fraud, that I could freeze my accounts for free. 

XXXX was an easy freeze. 

I went on the Experian site and asked for a credit freeze. I could only get one if I paid {$10.00}. There was no option to select for those who were identity fraud victims and were entitled by Oregon State Law to a free credit freeze. Experian had a link which provided all the state laws regarding the charges for credit freeze. Virtually all were represented. Except one. As luck would have it, Oregon was missing. 

I called Experian and selected " add or remove credit freeze. '' That selection put me in a loop which did n't allow me to pursue a credit freeze. After a few minutes, it dumped me out. 

I had a similar experience with XXXX. I attempted to freeze my credit on line. I was given no option for a free freeze because of the ID theft. I called XXXX, and also got looped through to a number of recordings and false choices which eventually dumped me out. 

This has been a challenging experience, having one 's personal information and ID stolen. It is made all the more onerous because the credit agencies make requisite remedies difficult, and communications to resolve the issue close to impossible. It 's unjust.

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 03-06-2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NY).
Issue: Trouble during payment process

Complaint: on XX/XX/XXXX I call to make my normal monthly payment of {$910.00} which was increased from {$900.00} when I tried making the payment through the automatic system did not allow me to proceed with making the payment .... So I call Shellpoint and they told me my payment had increased to {$2400.00} and I ask why so they said my escrow had increase because of a report they hot from XXXX XXXX.. Stating that I owed back taxes and there is a lean in my property ... So I ask them at that time to please overnight XXXX a copy of the the lean and a qualified written report of everything ... I am still waiting. 
After doing some research I found out that there no outstanding taxes that are due. 
I found out on my own that they paid an outstanding water bill of {$1800.00} and charging me an additional {$1500.00} per month. 
So I contacted the NYC water and they are offering a deferred payment agreement up to 10 years ... and because I just had my water main replaced they are also offering a forgiveness problem as well. 
Leans are only placed on 2 family units or more not one family. 
There was no communication whatsoever from Shellpoint mortgage company ... they have also added additional money to my account without notifying me if these expenses. 
{$900.00} up to {$2400.00} is NOT within my budget I seek fairness. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (GA).
Issue: Taking out the loan or lease

Complaint: XXXX, have created an inaccurate account with identity theft violating the fair reporting act and the reporting transaction act.name XXXX XXXX XXXX and XXXX XXXX charging us both for non active accounts enrolling us as married.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Trying to open an account on the application on my mobile phone XXXX XXXX, but supposedly Huntington bank is not partnered with XXXX XXXX and it wo n't let me complete the set up. However, it has been complicated because XXXX XXXX was able to put a trial deposit of XXXX cents and XXXX cents into my checking account successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Settlement process and costs

Complaint: We have been trying to do a short sell on our home since 2014. We have actually had XXXX offers on the place, but Wells Fargo continues to deny the offers. They have transferred us to different preservation specialist and short sale primary points of contacts several times to no avail. We 've even had our relators call and they 've been given false information. They say one thing and do another. They do n't return phone calls or send out proper documents when stating they would mail things out. I 've asked to speak with a manager several times and the mangers have promised to do an investigation, and still nothing is done. Managers do n't even return phone calls. I am completely fed up with the type of customer service we have received and will never do business or recommend anyone I know to do business with Wells Frgo.

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 05/25/2016 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Credit line increase/decrease

Complaint: Barclaycard without warning decreased my credit line by {$4000.00} thereby negatively impacting my credit score. The action was done without regard to my income and ability to repay. The action was arbitrary and capricious. They did not communicate with me in advance They did not identify if there were areas of concern. They did not ask for documentation of my income. They just sent a letter reducing my credit limit from {$5000.00} to {$1000.00}. My balance was less than {$500.00} a significant portion of which was on 0 % interest promotion. I assume because I did not " make them more money. '' They saw fit to ruin the relationship I had with 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 10/18/2017 about Vehicle loan or lease (Loan) with MB FINANCIAL, INC. (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I XXXX XXXX I have a boat loan with XXXX XXXX XXXX last XXXX of XXXX the same suffered damages for the hurricane XXXX I placed a claim to my insurance which issued a check for the sum of XXXX for the repair, send the check to XXXX XXXX XXXX to endorse the money to be able to repair the boat and continue using it I received a call from mb financial that could not give me the check that the boat was not completely repaired I think this is not fair and not legal

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Medical debt) with Financial Accounts Service Team Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They repeatedly call and let it ring once then hang up. This is on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  & trans union shows on my credit report I 've been denied credit as well as opening up a bank account. They mentioned to me these two show and do n't know why but I was denied.
I 've checked my credit report. And it shows everything is closed besides a student loan of  XXXX  who 's payments are current.
Why em i being denied as if I have some collection issues

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 06/27/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: I sent and requested information from this alleged Trust. <P/><P/>Option One Mortgage Loan Trust XXXX - XXXX Asset Backed Certificates Series XXXX <P/>I get no financial documents to support a default or history of cash flows and relevant documents as per request under the QWR and Debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (TN).
Issue: Managing the loan or lease

Complaint: I have an auto loan with XXXX.  I mailed in my monthly payment to XXXX via a XXXX. I found that my payment was not posted to my auto loan account and I called XXXX and they said the XXXX was cashed. I requested the copy of who cashed the XXXX and the back of the XXXX indicated it was cashed by JP Morgan Chase. I do not have an account with JP Morgan Chase and I have no idea how they got ahold of the XXXX made out specifically to XXXX; and why did they cash this XXXX that was not made payable to JP Morgan Chase?  I called JP Morgan Chase and they told me that they did not cash the XXXX, but I have a proof that they cashed the XXXX as I requested a copy of the cashed XXXX of which I had to pay $40.00 to get this copy. The amount of the XXXX was for $XXXX, this was a two month car payment. In the mean time, XXXX has reported me as late to the credit bureau. I have taken time off work to settle this with no end result. Also this has caused me alot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Billing disputes

Complaint: I was sent a letter for a credit card debt that was {$7800.00} in which i 'm disputingthe amount they say I owe is false also if I do n't pay legal action will be taken XXXX me

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Transworld Systems continues to call my home multiple time a day in search of people I do not know. I was given my home phone number by the phone company when I moved to this city, and I have no knowledge of the p eople who previously had this number.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Credit card () with JPMORGAN CHASE & CO. (NH).
Issue: Other

Complaint: 1. There has been a Chase Bank error in the XXXX Credit Report of this Complainant - consisting of a failure to comply with the 7-year maximum Federal Law to timely remove a defaulted ( " charge-off '' ) credit card debt error in this complainant 's personal XXXX credit report for the credit card debt filed by Chase Bank - listed as the Chase account beginning with # XXXX. More specifically, the error is in the 7-year removal date - where XXXX has not deleted this negative from this complainant 's XXXX report after the end date of the 84th month - the date of XX/XX/XXXX in this case ( in contradiction with the facts this complainant provided in his phone call to them on XX/XX/XXXX and via Faxed documents on the same date, creating XXXX Dispute file # XXXX ). The incorrect end-timing Chase provided to Equifax is " XXXX '' - three months tardy. 

2. The specific documentation of this 1st late fee date ( of XXXX/XXXX/XXXX ) is attached to this complaint. All of the documentation for correcting this complaint error is described in a multi-page letter filed with this 3rd CFPB complaint. Also provided with that letter are a number of documents, including ( a ) the recent Complainant 's XXXX credit report page that includes this error, ( b ) copies of an XXXX Invalid Dispute reply that fails to correct their error, i.e., a reply that ignores the documentation this complainant provided that irrefutably supports this complainant 's corrections, and ( c ) copies of the creditor 's contemporaneous monthly statement postings of the 1st late fees that proves this complainant 's correction this error - using the books of the company that incurred these charges - this complainant 's employer. The attached letter also explains how these credit card debts are all company debts and that none are personal ( non-business ) charges made by this complainant. 


3. This complainant 's lost income damages are also detailed in the attached letter. In summary, these damages are {$420.00} per week-day plus, as this complainant is a victim of fraud and as such, this complainant 's state law specifies treble damages ( of {$420.00} X XXXX ) or {$1.00} per week-day. The damages resulting from the 7-year end date credit report errors began on XXXX/XXXX/XXXX in the case of this 6th CFPB complaint involving the Chase Bank credit card ending in # XXXX ( major negative ) still in this complainant 's XXXX report for approximately 3 months after that date - if not timely removed after the 7-year end date. The lost income damages are due to prospective employers of this complainant not willing to hire him, or any job applicant for a financial or security position of trust if any major negatives appear in their credit reports. As of XXXX/XXXX/XXXX, the accumulated treble damages are {$43000.00} for six weeks and four days of damages, if the CFPB chooses to assess damages in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX XXXX, Texas XXXX XXXX, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, FL XXXX

Company response to consumer: Closed