milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (OH).
Issue: Deposits and withdrawals

Complaint: I answered a solicitation to have my personnel vehicle wrapped in a particular logo earning $ XXXX/week for 12 weeks. The sender mailed a check to me for {$2900.00}. This was to give the first week 's payment ( {$500.00} ) and the rest was to use towards the installation process ( {$2400.00} ). I was to send {$1200.00} ( XXXX ) to ( XXXX ) different people, using XXXX to send the money. This was part of the scam, stating an installation team would show up at my residence to wrap my vehicle and then remove the wrap after the 12 week period. 
When I received the check, I used the Navy Federal Credit Union ( my bank ) " edeposit '' method to deposit the check into my checking account. On " good faith '' NFCU honored the check within 2 days. On the third day, NFCU found the check to be fraudulent and took {$2900.00} from my account. I have filed a police report about the solicitation scam and realize I have loss that money. If NFCU would have not on " good faith '' put those funds in my account, I would have never proceeded any further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After reviewing my credit report, I found that Portfolio Recovery Associates was reporting a debt on my credit report. 

I requested through the credit bureau that the debt be validated. Also I noticed that the debt in question was a zombie debt and beyond the Statute of Limitations to be collected in the state of Texas ( 4-years ). I never received a " dunning letter '' from this agencies so I could adequately dispute the claim made. 

After sending dispute letters to XXXX and XXXX without any results, I decided to send my dispute with Portfolio Recovery Associate ( PRA ) to the XXXX. While their investigation was pending, PRA 's account was removed and reinserted per my credit monitoring service ( XXXX ) and the credit bureau XXXX. My account with Portfolio Recovery Associates were " parked '' thus reaged. My debt appeared to be a new collection thus negatively affecting my credit score. 

This is a violation of FCRA for not giving me a five-day notice of the reinsertion of debt and the FDCA for the re-aging of Portfolio Recovery Associates account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: 1. XXXX. XXXX. I cancelled their service because it was bad. I returned the receiver via XXXX and now there is a {$470.00} or more charge. 
I need it to come off because it has dropped my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My bank has placed a foreclosure date on my home. I have placed my home on the market and we finally received an offer which was presented to the bank and denied due to the foreclosure date I also submitted my documentation requesting for a mediation which were submitted late due to lack of knowledge by the person helping us save our home, a date of XXXX XXXX, 2015 has been giving but my bank continues to proceed with the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received two letters and they both were dated for XX/XX/2017 from two different collection companies. I made an settlement agreement with XXXX XXXX XXXX, XXXX, but decided not to pay because one letter state Resurgent Capital Services out of XXXX, SC and the second letter was from XXXX XXXX XXXX out of XXXX Ny and both list XXXX as the owner. On my credit report XXXX XXXX services and XXXX XXXX XXXX are both reported. Please confirm whom is the correct collection of this debt. The original owner was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Medical debt) with Synerprise Consulting Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2018 I had XXXX XXXX. In the process of doing so XXXX XXXX XXXX was engaged to do some XXXX test. They were paid as a out of network provider and are trying to claim I have additional obligations as they are trying to collect " balanced billings ''. 
I was explicit in my instruction to the hospital and to the medical personnel that no out of network providers are allowed to perform any testing or surgical procedures on me. 
1- I never authorized XXXX XXXX XXXX to perform any tests. 
2- XXXX XXXX XXXX are not affiliated with the XXXX Hospital- very deceptive. 
2- The doctor was specifically told to not use any out of network providers- 3- XXXX XXXX has paid them their portion that the insurance company would normally pay. 
4- XXXX XXXX XXXX has been non responsive 5 This is a billing issue between XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got my credit checked when I was trying to buy a house and the report came back showing some accounts that I originaly thought was identity theaft. After calling a few accounts they told me its my social but not my name on them and a few of them said is not my name and the social was a digit off. I got a police report and they did a quick investigation and concluted that there was a glitch and after looking at the accounts it looks like its coming from the experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  has been reporting  XXXX  balance accounts paid off by a loan consolidation as collection accounts impactin g my credit score  negatively.

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 06-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: I had XXXX XXXX call me at home ( cold calls ) and offer insurance policies as I was not insured and I had been looking on the Federal Exchange. I asked specifically if they covered the doctors I was using as I am XXXX now and they said they " looked it up '' and answered absolutely YES. The insurance companies were from out of state. When I tried to tell this to Capital One the card I had charged the premiums to they said the companies submitted all their paperwork where I had signed up, although I never received anything from any of these companies. They told me not to use the policy for 30 days and directed me to a website to print up a temporary insurance card, nothing else. The card is refusing to credit me for the money I spent on these policies they blatantly lied about. I am XXXX and have no income. I believe they sold policies on fraudulent premises, lies. I have written several letters to Capital One explaining this to no avail. Capital One is siding with the insurance companies. I called and cancelled these policies within the required 30 day period which now the insurance companies are denying. I got no paperwork or confirmation numbers when I cancelled these policies which is what Capital One is asking for. Which is why I am guessing they did n't want me to file any claims for 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with BC SERVICES, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: BC SERVICES INC is attempting to collect on debt already PIF with XXXX XXXX over phone several years ago. Needs to be removed ASAP. 

First amount is for XXXX XXXX XXXX XXXX CA : {$3600.00} Second amount is XXXX XXXX XXXX XXXX XXXX : {$1000.00}

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXXXXXX I was notified that my credit information including social security number, birthdate, and home address were compromised in a security breach with Equifax. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XXXX through XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am An interest only mortgage holder in the year XX/XX/2007 I think I wanted to lower my payments like everybody else. I was advised that because I was current that I could not refinance. The mortgage holder advised me to stop paying my mortgage and do a remod I agreed. when the forcloseure process began I did a remodification the bank lowered my payment put me back in a 30year mortgage again and increased my principal by XXXX. I was always paying interest only on $ XXXX now I 'm paying interest only on $ XXXX I was never paying off my principal just interest only why am I paying interest on on XXXX that I never had

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Payday loan () with CNG FINANCIAL CORPORATION (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I submitted a Notice of Cancellation of the payday loan within 3 business days which is my right per Texas law. Check N Go refused to rescind the transaction and acknowledge the Notice of Right to Cancel and charged me the exorbitant interest payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I APPLIED FOR A LOAN MODIFICATION FROM MY PRIMARY LENDER, XXXX XXXX XXXX. THE LOAN MODIFICATION WAS ACTUALLY APPROVED BY THE BANK AS CONFIRMED BY SPECIAL LOAN SERVICING ( SLS ). THE APPROVAL LETTER WAS NEVER MAILED TO ME BEFORE IT WAS TRANSFERED TO SLS. AS THE NEW SERVICING COMPANY, THE ISSUE OF MODIFICATION RESURFACED AGAIN WITH SLS OF WHICH ALL MY SUBSEQUENT MODIFICATION APPLICATIONS WERE DENIED BY SLS ON THE GROUND THAT I VIOLATED THE PREVIOUS MODIFICATION WITH XXXX XXXX XXXX, THE APPROVAL LETTER OF WHICH I NEVER RECEIVED. IF I WAS ACTUALLY NOTIFIED BY XXXX XXXX XXXX BEFORE MY LOAN WAS TRANSFERED TO SLS, I WOULD NOT HAVE BEEN IN THIS PREDICAMENT BECAUSE I WOULD HAVE COMPLIED WITH THE TERMS OF THE APPROVAL. FAILURE TO NOTIFY ME WAS PREJUDICIAL TO MY CAUSE. THIS IS MY PRIMARY HOUSE AND I AM A SINGLE PARENT OF XXXX ( XXXX ) CHILDREN AND IT MY WISH TO KEEP MY HOUSE. MY FOR FURTHER RESPONSE, EMAIL ADDRESS IS : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: The lender is not offered any options other than a Repayment plan that is more than 80 % of there current Net income of {$2500.00} - This does not provide the client with any financial relief or assistance to her hardship that cause the delinquency. The file should be reviewed for all modification options due to the financial hardship that caused the initial delinquency to being with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in 2009, I became a victim of identity theft. My fathers ex girlfriend stole my wallet that contained my drivers license, social security card and credit cards. 

The case is still ongoing and open. Theres an active warrant out for her arrest. 

Ive reached out to the creditors who opened the fradulent accounts and most were removed. I work a full time job, and have a family to care for, so this has been a time consuming burden on me. 

I sent debt validation letters to synchrony about the fradulent XXXX account and was told it was sold to Portfolio Recovery, I was informed by Portfolio Recovery that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient pushed me to take forbearance on my loans. Navient aliso never reminded me when it 's time to re new my pay as you earn income plan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (I do not know) with Mobiloans, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: MOBILOANSLLC has been reporting on my credit report for no reason. This account was sold to another company and handle by me. I 've disputed this reporting to no satisfaction on my part.

Company response to consumer: Untimely response
Consumer complaint received 01/27/2016 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Billing disputes

Complaint: I 've asked to be release from a verbal service I made with XXXX for XXXX a month due to the fact I have not received the service I was promised by a XXXX representative. I asked my credit card company to no longer accept the charges, I protested the charges, sent documentation showing I had asked the charges stopped and they continue to charge my account. In fact they raised my ability to charge more so they could accept the realtor.com charges. I feel my credit card company is continuing to charge my account so they can continue to charge me high interest rates. I want these charges stopped and credited back to my account. I 've been an on time client with this company, XXXX credit card service and instead of working with me they 're working for XXXX. Please help me. I ca n't afford a service that 's not being offered. I can send all the documentation if you have a way to upload it. Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Credit card) with Mediation Recovery Center (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a voicemail on XXXX/XXXX/15 from someone named XXXX from Mediation Recovery Center at XXXX stating that they never heard back from me & that they will be calling my job tomorrow. They contacted my job the next morning without my consent & threatening me on the phone that they have my ss # & will verify my pay to garnish my wages! I told her she is not allowed to call me at work & she kept blabbing on then hung up on me. I contact XXXX from Mediation Recovery Center @ XXXX to let her know not to contact my work and that I have rights, she proceeded to say that she will call to verify my pay they have me recorded and that I should pay my bills then hung up.Again she made threats and not once in that conversation did she mention that I was on a recorded line.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 01-06-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: Santander USA, was hidden that this was a simple interest loan. I pay early and every week and only XXXX has been taken off my loan in a year and a half. 24 % or more interest rate. Charged to make payments. No phone calls every month are documented when I call to question the fees and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Several people have access to my credit report and are using the information to ruin my credit

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 07-08-2016 about Mortgage (FHA mortgage) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NH).
Issue: Settlement process and costs

Complaint: People 's United Bank mortgage scheduled to close on XXXX/XXXX/2016. Closing pushed back because of delayed appraisal report. Rate lock@3.25 % expired XXXX/XXXX/2016. No extension was singed or filed with lender. ( Loan officer on vacation ) Lender verbally explained rate lock would float without an extension and I would receive current market interest rate if no extension was filed. Closing disclosure dated XXXX/XXXX/2016 for XXXX/XXXX/2016 closing has old expired locked rate of 3.25 % current market rate decreased to 3.125 %. Lender refuses to honor current market rate of 3.125 % for XXXX/XXXX/2016 close. Lender refuses to show proof of People 's United Bank rate lock policies that state after my rate lock expired I am not eligible for the current market rate. Lender refuses to give supervisor/directors contact information so I can receive documentation of rate lock policies. Lender is predatory lending and not adhering to bank policies in order to increase profit by closing on a mortgage with a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a medical debt listed on my XXXX credit report that is not mines. I have contacted the collections department/credit bureaus disputing this debt however it is still showing on my XXXX credit report. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/19/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Other

Complaint: Wells Fargo is soliciting their CC customers for balance transfers and subsequently turning their card products into " no grace period on current purchase '' as a result of the cardholder taking out a BT offer.

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 10-04-2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (NJ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I began receiving collection notices regarding an unpaid toll in the state of MD last year. The state quickly sold the collections of the account to a firm in XXXX, Harris and Harris. While skip tracing, they left a voicemail on my mother 's answering machine clearly stating that they are debt collectors. I find this to be an abusive practice as FDCPA states that when skip tracing, the collector is only allowed to disclose that they are seeking location information. Additionally, they have been unable to provide me with evidence regarding the legitimacy of the debt ; I have only been told to log on to the state of MD website to obtain a photograph of my car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax improperly allowed my report to be divulged without my consent by letting a dinosaur sysops team manage their infrastructure.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Medical) with LJ Ross Associates (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Phone call received stating they were collecting a debt and I had nothing from them stating what it was for and verifying it was correct. They said they would mail to me but that I owed this money. Less than a week later, they called again and I told them again I still had not received anything documenting what the debt was for. They told me it was sent a week prior and that I needed to contact my post office to see why I had not gotten the letter yet and that I needed to set up payments immediately. I told them I would not do so until I had received something from the post office and it was their responsibility to mail that documentation to me, not mine. A week after, I received another call and ignored it as I still had no documentation. A few days later, they called again and again I let it go to voicemail. A few minutes later, THEY CALLED MY WORK PHONE. This is harassment. The company has not provided documentation and now they are calling my work phone disrupting my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation