milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: An outstanding balance owed to XXXX was transferred to Caine & Weiner. I received communication in form of a letter on XXXX XXXX, 2016 of this debt. I immediately contacted the firm and let them know that I had ever intention of paying the debt but that at the time I was also unemployed ; however I would make payments until the balance was paid in full. I spoke to a person named XXXX, XXXX and let them know that I did not want this going on my credit so I wanted to set up a payment plan to avoid further action. I paid {$25.00} each month to avoid it going on my credit. I received a call about a week ago and the person from Caine Warner said they were calling to see if I wanted to pay the debt in full since my balance was down to {$190.00}. I told the lady that I was unemployed but that I would be making a payment in XXXX since I was paying {$25.00} each month. She was friendly and said " ok '', she was just following up. I check my credit report almost weekly and was surprised to find that the firm has reported this unpaid debt to a credit bureau after they told me that as long as I made payments, it would not go to a credit collection. I immediately called again today to XXXX and spoke to a man. He now informs me that even though I called and told them the debt was mine and even though I am paying each month, the debt has to be reported to the credit bureaus after 60 days, regardless of whether or not I am paying it. This does not make sense? None of the other reps ever told me this? We agreed that if I paid it would keep the outstanding bill from going into collections. Now someone else is telling me something else? I want this account to be taken off my credit immediately. I made arrangements with this firm to fully pay down my outstanding debt, they led me to believe that as long as I paid they would not turn it over to a credit bureau and now it is on my credit. I feel they misled me and did not provide me accurate information. The man I spoke with today is now telling me that the other people I 've spoken with were " pretty new '' and probably did n't relay the information correctly to me. Well guess what? That is no excuse! If their employees are not properly trained then they should not be working there giving out wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In  XXXX   XXXX  an agreed rate was established for nightly hotel rate with  XXXX   XXXX   XXXX ,  XXXX  Texas. The rate was {$88.00} per night plus taxes through the end of the year. The charges were all made correctly until the last week in   XXXX   XXXX  , checkout on   XXXX  . I checked in and immediately noted the rate was wrong and indicated as such on the checkin document signed. I was told by the hotel during my stay and upon checkout that the rate would be corrected. The rate was never corrected and the accounting/front desk manager  XXXX  never responded to me during the stay or subsequently. I filed a dispute with Chase and  XXXX   XXXX  sent the document showing that I clearly noted the correct rate and a document showing the incorrect charges. I am attaching numerous weeks prior showing the correct rate and the documents that were sent to Chase by  XXXX   XXXX .  Chase  merely ignored the documents sent to them by  XXXX   XXXX  showing that the rate was clearly wrong and that  XXXX  would resolve. At the end of the day, Chase did nothing about the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (GA).
Issue: Managing the loan or lease

Complaint: XXXX XXXX XXXX, acct XXXX .... I submitted documentation to XXXX, and XXXX. I have sent certified mail via USPS to address on file with XXXX and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked XXXX, and XXXX to delete item from my credit report as unverifiable, but XXXX, and XXXX has refused to take documentation that I supplied to delete and XXXX refuses any correspondence from my attorneys or myself. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplied the XXXX-credit bureaus with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account, but none of the complied. Additionally, I asked that each bureau provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores. Most recently creditor updated my XXXX file on XXXX/XXXX/2016 that I owed {$8500.00} an additional amount after verifying I supposedly owed {$8400.00} on XXXX/XXXX/2016 and XXXX on XXXX/XXXX/2016 ; updated my XXXX file that I owed {$4600.00} on report XXXX dated XXXX XXXX, 2016. This creditor is intentionally trying to destroy my credit by updating false information and XXXX is an accomplice to the act by refusing to accept my documentation that the debt does not exist or remove it until company is willing to provide documentation. 
This creditor is using reporting laws to illegally affect my credit and the credit bureaus are ignoring the reporting laws to assist this company in its illegal act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XXXX I called Equifax to alert them that my credit file, which has nearly 30 years of history was now showing up as blank, my current address erased and a very old relative 's address was showing up, which I had disputed on XXXX as being inaccurate. At first they insisted that I had no credit history. A supervisor was able to find my previous dispute along with a copy of my drivers license and utility bill to prove my current address. Now almost a week later, the address is correct but my entire credit history is still missing. Additionally, because I was unaware of this issue, I applied for credit on XXXX and was denied because of " insufficient credit history '' This is a clear violation of the FCRA and equifax has take no steps to resolve this issue. I have been financially harmed by their lack of oversight and their employee 's lack of knowledge of their own operating systems.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: #NAME?

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed A fraudulent account with Experian, and an account with invalid late payments With all XXXX bureaus. I contacted both agencies and they verified that they were not reporting these inaccurate items to the credit bureaus, All XXXX of the Bureaus have failed to send any verification for the accounts. Experian has blatantly refused to further investigate the accounts in question. They have an inccorect account reporting of a bankruptcy on my credit that is causing harm to my credit and denials of credit because of this notation. The account is not mine it was reported as fraudulent to the bureaus they refused to remove it and it is also not even a bankruptcy on my credit. So they are incorrectly reporting these things to 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 non-monetary relief
Consumer complaint received 07/25/2015 about Debt collection (Credit card) with DISCOVER BANK (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I am being sued by Discover Financial Services in the state of XXXX. The debt I created with Discover Financial Services was created in the state of XXXX. I did not sign for the debt in the state of XXXX. Why am I being sued in the state of XXXX? 

Also, I received a letter from XXXX XXXX , Executive Office of Customer Advocacy for Discover, dated XXXX XXXX, 2015. This letter was pertaining to an investigation that discover performed concerning my previous CFPB complaint. She stated that XXXX XXXX group reported that there were XXXX repayment options offered to me which I declined. This was a false statement made by XXXX XXXX XXXX. I was offered only XXXX payment option which was a 60 % reduction of the balance in a XXXX lump payment or XXXX monthly installments. I declined the offer because I thought the debt had passed the statue of limitations to be sued on in the state of XXXX. So, I decided to make a complaint to the CFPB for relief of this debt. Additionally, the XXXX XXXX XXXX stated to XXXX that I declined another offer of a XXXX year repayment plan. The law group never made an offer of a XXXX year repayment plan to me. This is false. When I spoke to XXXX XXXX, a lawyer at XXXX XXXX XXXX, I told him that they never mentioned more than XXXX option of repayment to me ; however, if there is another option for me, I would prefer a 60 % reduction of the balance with a first payment of {$3100.00} and the remainder to be divided into XXXX monthly installments of {$260.00}. XXXX agreed that this was a doable arrangement ; however, I did not hear from him anymore on the matter. I faxed him a copy of XXXX XXXX ' letter for his records. 

I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2015 stating that they have verified my debt with Discover and it is their intention to continue with collection activity. I was instructed to consult an attorney if I have any questions about my liabilities. 

I have made two attempts to make a financial arrangement to settle this debt ( my XXXX offer was a lump sum of {$3000.00} dollars ) and XXXX XXXX XXXX does not appear to be willing to settle this debt in a civilized manner. I am trying to avoid payroll garnishments and unauthorized withdrawals from my bank account. As a consumer, what can I do to protect my assets when I have tried to make repayment arrangements?

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX, GA XXXXOn XXXX XXXX, 2015, Wells Fargo sold my house through a foreclosure. Prior to the sale, I have sent to XXXX XXXX, my contact person all requested documents for the modification. Around XXXX XXXX, 2015 XXXX XXXX called me to request a new document that I have to download from the website. Because of confusion and type of document, I called XXXX XXXX to help me identify the new document.on XXXX XXXX, 2015. This document was completed and later sent to Wells Fargo prior to the sale date. Today, XXXX XXXX, 2015, XXXX XXXX mentioned that XXXX XXXX had requested of me proof of residence in that phone conversation. This is new to me and this information was never talked and mentioned in the conversation. This is another manipulation of facts or misrepresentation by the employee ( s ) of the company. At no point that she mentioned proof of occupancy.in the conversation. Today XXXX XXXX said that she wrote that statement in the side note. I was not aware of that until today. In addition, there is no over site. Wells Fargo can foreclose properties without facing any consequences. The company received TaxPayers money to conduct his business with the promise to provide loan products to minorities. So far, this promise has not been fulfill. I have requested Wells Fargo to rescind the sale of XXXX XXXX,2015. I have not heard anything yet,, The negligence for the review of HUD rules showed how powerful this institution can be. Therefore, they intentionally discriminate against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: All of my student loans except for 2 private loans from XXXX XXXX/Navient have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in total permanent XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of total permanent XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XX/XX/XXXXand XXXX of XX/XX/XXXX) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay $ XXXX monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX/Navient keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This is a third party debt collector that has been sent written notification to not contact me. In addition, they purchased an old debt and the statute of limitations has expired on the original debt. They reported this debt and it is now on my credit history. The original debt is no longer on my credit history because it is that old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (SD).
Issue: Credit monitoring or identity theft protection services

Complaint: In       XXXX   XXXX   2016  we found out we had a delinquent  XX/XX/XXXX  mortgage payment to Carrington M ortgage Services when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recie ved   XX/XX/XXXX  payment. T he  XX/XX/XXXX  p  ayment made th e  XX/XX/XXXX   payment and now I was  XX/XX/XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to Carrington. I called Carrington several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XX/XX/XXXX  I ch ecked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted Carrington Mortgage and told them what I had found out. I mad e 2 pa yments to Carrinton at this time . One ch eck for   XX/XX/XXXX  a nd the other for the missed payment. At this time I asked them if they could please contact the  major Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX    XXXX   stating the payment was sent on   X/X/16  m aking   XX/XX/XXXX   payment. The letter I recieve from Carrington stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with  Credit Reporting Companies.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, OCWEN Loan Servicing , LLC, assumed servicing of my house note from XXXX MORTGAGE. Once the note was transferred, I was notified that there was an overage in my escrow account and received an escrow analysis showing the overage of {$1100.00}. OCWEN informed me that I could not keep the money in the escrow account, so I chose to have the funds dispersed to me. In XXXX, OCWEN dispersed {$1800.00} from my escrow account to my insurance company for hazard insurance on schedule, leaving a negative balance of $ XXXX. The negative balance grew until I was notified of the payment increase. 

In XXXX, my mortgage statement stated that my payment would increase from {$180.00} to {$350.00}, with no explanation. When I contacted OCWEN, it was discovered that there was no escrow analysis on file to justify the payment increase. The Customer Service Representative I connected with was unable to explain any reason for the increase. With no acceptable explanation, I was transferred to an Escalation Manager. It was at this time that I requested an escrow analysis to determine the reason for the increase in my payment. Upon receiving the analysis, I then was informed that my payment would increase an additional {$91.00} to cover a projected shortage of {$3200.00} in equal payment spread out over 36 months. 

While trying to discuss this issue with XXXX different escalation managers, I became increasingly frustrated as I was continually given different answers to my questions as to how the insurance could have been overlooked. The second Escalation Manager, which I spoke with, tried to explain to me that OCWEN was doing me a favor by spreading out the shortage that was an oversight on their part. I was never given any option on how to rectify the situation. Each person I spoke with, insisted that an escrow analysis was only required once a year. Which, at this point, was one year from the time the note was transferred. 

At that point, I was able to speak to a Consumer Ombudsman. It was n't until my second call to an Ombudsman, did I receive any credible information. The first Ombudsman that I spoke with, issued a letter to explain everything that the second Ombudsman had already explained to me, but she was unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: Online payday loan stating they are licensed and are not as I am just finding out payday lending is prohibited in GA. Also they told me the balance with finance fees was a little over XXXX dollars but after I agreed and got the written contract by email, the loan shows payments for 24 months for over 3000 dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with WELLS FARGO & COMPANY (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Wells Fargo, was contacted several times regarding a debt on my credit profile for {$3500.00}. 1 ) Provided the identity theft report/documents 2 ) Proof of resident and employment in VA ; therefore the account was open in Florida ... 3 ) Contact Wells Fargo again, again and again ; the retaliation was placing this derogatory information with XXXX XXXX XXXX ( XXXX ) and they are asking for {$380.00} to investigate. 4 ) My bank account was closed because of Wells Fargo. <P/>Please advise.

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I filed Bankruptcy on XX/XX/XXXX. However, XXXX is still listing companies as debts that appeared in my Bankruptcy such as XXXX Bank. It also listing XXXX XXXX  as a closed account when in fact it was paid off by XXXX XXXX in XX/XX/XXXX

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 EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax is reporting 2 XXXX XXXX accounts that are showing XXXX accounts that are negative ) yet it shows paid as agreed. First off they are reporting 2 XXXX XXXX cards with 2 different account numbers with the same credit limit. This is a duplicate. There should not be 2 XXXX XXXX accounts reporting as negative. My other issue is if it stating pays as agreed and account is current then this account should be under accounts that are in good standing. Having this wrong information reporting is affecting my creditworthiness.

Company response to consumer: Closed with explanation