milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (PA).
Issue: Confusing or missing disclosures

Complaint: I had a reserve balance of {$990.00} in my account tried to call paypal executive escalations. The disputes department only gives temp credits when they feel like it and make people waste their time!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have filed a complaint before and thought it was rectified but they are harassing me again. This is not the person 's number but they say when they contact him he gives them this number. That is falsifying information and they should go to jail. They call for a XXXX (? ). I have had this number for 5 years now and no XXXX XXXX here. I constantly tell them the wrong number and they say they will remove but keep calling and from different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I RECEIVED AN ALERT ON MY XXXX REPORT FOR A COLLECTION ON XX/XX/XXXX. THE COLLECTION AGENCY IS MIDWEST RECOVERY SYSTEM IN BEHALF OF XXXX THE ORIGINAL CREDITOR. THIS IS AN ALLEGED PAYDAY LOAN THAT WAS BORROWED BACK IN XX/XX/XXXX. I HAVE NEVER GOTTEN A PAYDAY LOAN FROM THEM. I CONTACTED THEM AND TOLD THEM THAT THIS IS A SCAM. I ALSO CONTACTED ALL XXXX OF THE MAJOR CREDIT BUREAU. THEY HAVE PLACED A FRAUD ALERT ON MY CREDIT REPORT BECAUSE THIS COLLECTION APPEARS ON MY REPORT. THESE PEOPLE ARE SCAMS ARTIST BOTH MIDWEST RECOVERY SYSTEM AND XXXX. I DID ONLINE SEARCHES ON BOTH AND I SAW THAT THIS HAPPEN TO ALOT OF PEOPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: ( 1 ) Seller sold ( FHA Loan ) home without a C/0 Certificate of occupancy. It state in the contract that the home should have a C/O by the closing date. my lawyer stated that home had a c/o ( not true ). Is been 3 yrs since i bought the property located at XXXX XXXX XXXX XXXX NY XXXX. Purchased XXXX/XXXX/2012 by seller XXXX XXXX XXXX ( owner XXXX XXXX ) located XXXX ny XXXX phone XXXX Sellers Attorney : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Tel. : XXXX. The lawyer representing me was XXXX of XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Fax : XXXX. XXXX XXXX XXXX was suspended for fraud. This lawyer was working with the seller to commit fraud against me. 

From my understanding an FHA loan requires a home to have a C/o in order to approve the sale. 
This sale was fraudulent in every way. Many things were promised and presented that were not accurate or true. 

i was given a roof warrantee that was not honored. Home basement has a flooding problem. Hazardous

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a modification and was recently denied due to Nationstar mortgage is using debts that I do n't have against me. I asked about the denial and they informed me that I do n't make enough money versus the debt I have, when I asked them to breakdown my debts one of the Representatives stated that since you did n't provide a detailed breakdown of expenses we will generate our own expenses. I stated that I did so and it was already confirmed received and the gentlemen stated on XX/XX/2016 well it does n't matter because we generate our own even if you did It 's up to the underwriter 's discretion. That makes absolutely no sense so I called back and spoke to XXXX at XXXX and was again informed that I was declined due to income versus expenses. She was a lot nicer and provided more information. I was told that Nationstar 's underwriter stated that my water and sewer bill was {$450.00} a month when she sees that the financial breakdown of my expenses says {$65.00} and something called other for {$1500.00}, I asked what that other was for and she said no one knows but the underwriter and because they said other is {$1500.00} and water & sewer is {$450.00} then it stands. 
I am so appalled that a financial institution that has received bailout money to help me with a Government modification can disregard facts and make-up debts to decline homeowners. I am not going to allow Nationstar to make me a victim and let me lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Pioneer Credit Recovery has sent a garnishment notice to my boyfriend 's employer on XXXX/XXXX/15 after he had made payments to them on XXXX/XXXX/15 and on XXXX/XXXX/15 which we have proof of. As a previous debt collector, I understand that a payment still counts regardless of the amount and I am convinced that this instance is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Other transaction issues

Complaint: A friend of mine is sending me money and he used a feature of sending money over phone using the Mobile banking feature of BANK Of America where one can send money using the mobile number. 
In my case on XXXX XXXX he initiated {$1.00} test transaction from the mobil banking from his mobile and i received a message from bank of america saying a friend has initiated a transaction and amount will be credited to my account. 
after which i he made XXXX more transaction totaling to XXXX $ and i received Message alerts for all the transaction. 
Now when i check my account i do not see the amount. I called Bank of america and they mentioned at the time of transfer i am not registered with my phone number but someone else is registerd ( maybe previous mobile ph number user ) so when my friend transferred money was taken from his account and was sent to the XXXX person. and currently Bank of america collected all the details and are in process of filing a claim. which if the XXXX person agrees they will refund the amount to my friend. 
If they do NOT agree, i dont get my money back and Bank is not taking liability for this amount.

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 08-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX is reporting on my Equifax credit report 3 times, account numbers XXXX in which it is the same XXXX account reporting 3 times. This is a fraudulent account and does not belong to me, it belongs to XXXX XXXX. I have attached a letter from XXXX acknowledging the debt is her and that I had no knowledge of. I am asking for you to please remove these XXXX accounts as they are not mine. I have attached a copy of an incident report from the XXXX XXXX XXXX. I am submitting my mortgage document with my signature and the year of my XXXX XXXX XXXX residence. Then I am attaching a copy of the letter from XXXX acknowledging the debt. Lastly, I am sending a copy of my property tax document, which shows I did not reside at the residence on the application, during the period of the application, I resided at my current property XXXX XXXX XXXX XXXX . I have been residing between the XXXX properties over 15 years, Yes, I am also attaching the application page that was submitted to CFPB from XXXX in which it is clear that is not my signature on XXXX 's application.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a cc with XXXX ' store and have missed payments in the past and my online access to the cc was blocked therefore I am not able to make online payments only if I go to the store. This is an inconvenience because if I am not able to make it to the store again I incur in a late fee and miss payment. I have called and asked in the past to get my account unlocked but they refuse saying that I was late in the payment and I could do it over the phone incurring in another fee to which I refused. I got my account up to date but again have an issue with same store recently when the payment was applied incorrectly and again they charged me a late fee. I called and they fixed the problem but when irequested the lady to unlock my account ( today XX/XX/17 ) she refused to do saying that I was late 60 days and after this they sent me to collection- the balance is {$1.00} that she says was in interest although I had made payment before the due date but they applied it to wrong account. 
I protested that how come they lock my account so I can not access it online but she did n't get me logic answer and this causes more issues to me. 
are stores allowed to block accounts so users can not view the accounts at all? is this legar?

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EOS Holdings, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: The information for the collection agency as it appears on my credit report. I have tried to contact the company by US Mail to settle the debt. They have not responded and there is no contact phone number. 

Creditor Information EOS CCA XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NJ).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2016, XXXX 2016 and XXXX 2016. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I was going through personal medical problems that could have been the cause of this but I thought I made every effort to make my payments on time in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit card () with Daniels Norelli Scully & Cecere, P.C. (NY).
Issue: Other

Complaint: Had a credit card issue was sued by Daniels Norelli Scully Cecere, XXXX. XXXX XXXX XXXX, NY XXXX, I have since paid this off in XXXX 2015, they refuse to file a satisfaction of judgment with the XXXX County Clerk, after many requests, calls etc to do so.

Company response to consumer: Closed
Consumer complaint received 11-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I stayed at the XXXX XXXX XXXX from XX/XX/2016 ro XX/XX/2016. The front desk had some issues charging my credit card for some reason but they did not contact me to advise me of such issues. On XXXX/XXXX/2016 I received a notification from my credit monitoring application stating there was an open collection filed with Allied Collection Service. I called XXXX to ask why they did not contact me if they had issues with payment prior to sending a bill to collections and I was told by XXXX XXXX from Business Corporate Office that they are not obligated to inform their guests of such issues. I believe the XXXX violated FCRA and Unfair Collection Practices Act. I also believe they violated Regulation Z, the truth and lending act. Upon contacting Allied Collections I was told they sent a letter of validation however I never received this letter nor did I receive any other kind of attempt to contact me. I can not pay a balance or bill if i do not know it exists.My credit score has now suffered due to the inability of XXXX XXXX XXXX to notify me of the issues they had.

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 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CROA requirements!

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX : XX/XX/XXXX - CALLED AND NO RESPONSE OR CALL BACK, SENT 609 LETTER XXXX XXXX : XX/XX/XXXX- CALLED AND NO RESPONSE OR CALL BACK, SENT 609 LETTER XXXX : XX/XX/XXXX : CALLED AND SENT 609 LETTER

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 07/30/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: Hi, I believe I am covered under the CFPB settlement with JP Morgan/Chase regarding Credit Card debt sold and filed as a suit between XXXX and XXXX. My credit card debt was sold by Chase to XXXX XXXX XXXX who filed suit in XXXX Court of Calitornia - XXXX XXXX XXXX Case # XXXX ) against me in XXXX. At the time of the suit it was time barred by over 1 year. The suit was filed XXXX XXXX, XXXX and the last activity on the card was XXXX XXXX. The suit went on for 3 years and 1 week before this settlement a judgement was entered against me for over {$19000.00}. The Judge ruled that Chase could n't produce a cardholder agreement and therefore the time bar ( 3 years from last charge ) could n't apply. I have read the CFPB settlement and my case fits the settlement. However, I have n't been able to locate a way to be included in the group. 
I am prepared to appeal the Judge ruling but given the outcome of this settlement believe JP Morgan is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On Thursday XX/XX/2017 @ approximately XXXX I notice an Inquiry on my Equifax credit that I did n't authorized or recognize. I called Equifax and spoke to an agent and informed the agent I had an inquiry for credit on my credit file that I did n't authorized as I did n't apply for nor was denied for any create from XXXX with in the last 90 days. If I had of applied for credit that was denied XXXX with the FCRA I would have received a letter of denial and a chance to receive a free copy of my credit report. The agent informed me that according to Equifax the inquiries are true unless the creditor provides me with a letter that states otherwise. I called XXXX at XXXX and spoke to XXXX who informed me that XXXX does n't send out letter to the consumer to remove credit inquiries to dispute the Inquiry with the Equifax and they would send verification to XXXX. On Friday XX/XX/XXXX at XXXX I called Equifax to open the dispute the agent told me they could n't do a dispute on the phone for the inaccurate inquiry information I would have to open the dispute online. After I got off the phone with the agent I called back and spoke to an addition agent who told me to contact XXXX informed her that I already tried that route and per the FCRA I should be able to dispute inaccurate information on my file. She said that she was sorry the only way to dispute the information was to dispute it online. On Monday XX/XX/XXXX I opened a dispute with Equifax for the unauthorized inquiry on Tuesday the dispute was closed with the following information " '' We have reviewed the inquiry information. the results are : Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX, XXXX, XXXX VA XXXX phone : XXXX. On Tuesday XX/XX/2017 upon receipt of the dispute findings I called XXXX at the number listed above and spoke to XXXX. XXXX researched the XXXX system and informed me he had no recent request for credit on my behalf and that they could n't send me a letter. I asked for him to transfer me to the Fraud department he did and I was transferred to XXXX at XXXX who reviewed my account and informed me he had no new request for credit for XXXX. XXXX called XXXX with me on the phone and spoke to an Equifax Representative reference the inaccurate information. The Equifax agent told XXXX the information would be taken care of yet when XXXX hung up the phone the representative stated he could not resolve the issue and had to transfer me to an additional section. As a Consumer I know I did n't request any credit from XXXX and to be given the run around by Equifax is unacceptable. To be provided a system generated response to dispute versus the dispute being investigated is disheartening. Please look into this matter for me thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I thought this was resolved in XXXX 2015. A new collection agency isnow trying to collect the same debt that was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I am an XXXX year old woman with failing health I 'm on a fixed income and have tried for many years to do a loan modification with the lender Ocwen they always run me around and always deny it for no legitimate reason I was put in an option arm loan and it only goes up never down I need a fixed loan since I am on a fixed budget. Not an unreasonable request. I have gotten as current as possible with family support, I have been sending in my monthly mortgage on time for over a year and suddenly in XXXX 2017 they stopped cashing my checks and demanding $ XXXX to keep my home, I sent XXXX and XXXXl mortgage payment and they are just holding them and not responding to my constant requests for someone to help me with this situation. I do not want to lose my home I 'm desperate, they are as crooked as they come, very shady practices. The lender is Ocwen Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX my loan number is # XXXX my name is XXXX XXXX Home address XXXX XXXX XXXX XXXX, CA XXXX please help me they are causing me great stress and put an XXXX year old woman in the streets.
My monthly mortgage payment is {$2600.00} it just went up again it 's gone up 3 times in last year alone. I 'm drowning and they do n't care or help me at all, they always have an excuse not to talk to me, they say I need a letter of consent from my lawyer due to my bankruptcy but they asked the judge to be granted immunity from my bankruptcy and it was granted several months ago so they can deal with me direct but say no we need consent from your lawyer my lawyer has sent the consent multiple times, my lawyer XXXX XXXX, phone number XXXX in XXXX, California, they lie and say they have n't received it it 's been very frustrating I 've been trying for too long to correct this issue. All I want is a fixed rate loan so I can pay with peace of mind, the type of loan I 'm in does n't even exist anymore it 's a bogus type of loan.
My phone number is XXXX  thank you for any assistance good luck trying to get legitimate answers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian When all bills are paid on time my score never increase twenty points and when late they decrease twenty points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid

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 05/29/2017 about Debt collection (Medical debt) with Harvard Collections, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is agains t Harvard Collections for r eporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with explanation