milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Today,  XXXX / XXXX /  XXXX  ,  Portfolio Recovery Associates  called my supervisor 's private line  ( a number not publically listed ) and asked for me by name. She told them that they had the wrong number, which is accurate. She is not me. I have no idea what the call was pertaining to, but I googled their business name and see that they have a reputation for pulling these shenanigans on many people. Whether or not I actually owe them or someone they collect for is unknown, however, when my supervisor asks me if I know who they are and that they called her asking for me, I was mortified and completely humiliated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2017 about Credit reporting () with AFNI INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This AFNI Inc Account does not belong to me. AFNI Inc informed me that this account was charged off my XXXX in XX/XX/2008. AFNI Inc has not provided any documents in regards to this Account.Please ask AFNI Inc to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Trying to use   XXXX   XXXX   and the amount of money in my bank account does n't accurately show. I bank thought capital  one 360 ch ecking

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX we were forced to file for chapter XXXX bankruptcy to avoid foreclosure. We were found eligible and began making payments towards our 5 year plan on all our debts in XX/XX/XXXX. On XX/XX/XXXX we were granted a discharge for successfully completing our payments. But come XX/XX/XXXX our mortgage servicer claimed that we were still in arrears and now to this date we owe them {$25000.00} even after the bankruptcy was discharged. Our bankruptcy lawyer at the time was in constant communication with the servicers lawyers and on a few occasions they said we had fallen behind but when we presented bank payment documents stating that we had n't owed them any monies they would we assumed take the documents as valid and never got back saying we were wrong. We were unclear on why they waited so long to come after us for any past arrears at the very start when they noticed we had allegedly owed them money supposedly since XX/XX/XXXX when oddly enough is when the new servicer Select Portfolio boarded the loan our original servicer was XXXX XXXX XXXX. Nonetheless after thinking we were in the clear but were n't in order not to go through foreclosure again we applied for a loan modification/deferral but were only approved by the investors of Select Portfolio for a 12 month repayment plan of {$3600.00} and our mortgage is {$1500.00} and we do n't see how we can afford to make these payments without ever falling behind again on all of our bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I received another letter from PennyMac about flood insurance and not being covered ... They are escrowing my insurances and taxes and the insurance company has sent them renewal notices but they have failed to pay the premium. This is second time I have filed a complaint and went over all this with them ... .My flood insurance has been with the same company going on the 3rd year and address is the same. I had to send them copies by fax Fri XXXX/XXXX/2015 in which they agreed they received it. I have to send them certified registered or fax confirmation for them to acknowledge they received copies of my insurances. My insurance company and agent are tired of the games and so am I. My insurance company tired of sending them copies of coverage and the bills which they do n't pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax , when requested to allow me to speak with an American, rather than someone in XXXX, repeatedly hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I am still waiting for a response from Ocwen. Case # XXXX. My first letter was XX/XX/2016. Ocwen responded with nothing more than a copy of my modification. That was n't what I asked for. I sent a follow up letter XX/XX/2016 and have not heard anything. I want an accounting of the numbers used in my modification and if Ocwen is not hiding anything, why wo n't they provide it. I work for XXXX Mortgage and the numbers I am referring to are in the modification waterfall. I provided them in my original letter. Further, when you apply for and are approved for a modification, is the Lender supposed to provide the numbers prior to your acceptance?? They did not. What about the Reg. Z and Reg. X with regard to modifications. Also, I was told the modification was a fixed loan and turns out it is an adjustable. Does the lender not have to provide that information when they are doing a modification? Please respond and have Ocwen provide the calculations used in the modification. 
Thank you, XXXX

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: On XX/XX/XXXX I was notified through Equifax that I may be affect by a security breach at that company. The security breach occured on XX/XX/XXXX and I was not notified until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed a collection account from XXXX XXXX XXXX on XXXX, XXXX and TransUnion credit reports. So far I have heard back from XXXX stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked XXXX, TransUnion and XXXX to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.

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 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The original creditor XXXX charged illegal, exorbitant and unsubstantiated fees after I moved out of my apartment. XXXX actually owes me money from my deposit which they illegally withheld and assessed extra fees arbitrarily. The carpet was spotless upon moving out. They also charged me some random fee for carpet removal in excess of {$350.00} and provided no receipt for this work. They simply said that the work was done by onsite maintenance staff. When I asked them to provide proof that the maintenance staff was paid the {$350.00} for carpet removal, they could provide none. The maintenance staff is paid hourly and they could provide no proof of the fees. These fees are a punishment, completely fabricated and spurious. XXXX Owes me money. I demand that XXXX reimburses me for the carpet cleaning fee, the carpet removal fee and removes this collection from my credit record and restores my good rental history in XXXX at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a residential mortgage with OCWEN, and apparently the are skipping months of reporting my over 5 years of on time payments. This is the same mortgage company that were reporting my information religiously monthly when my payments were late over 6 years ago. I have contacted OCWEN prior about reporting my on time payment to the credit bureau. I believe this practice is unfair to consumers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit card () with CITIBANK, N.A. (NV).
Issue: Credit card protection / Debt protection

Complaint: On XX/XX/XXXX, I filed a refund request with Best Buy credit card services for the debt protection fees that have been charged in my account on a monthly basis since my purchase on XX/XX/XXXX. At the time of this purchase, my credit card account was reactivated, after being inactive for over a year or so from a previous purchase. With this purchase on XXXX/XXXX/XXXX, I agreed to pay {$3600.00} for goods and services as stated on my receipt of purchase. I agreed to 24 months financing with zero interest. I did not agree to the debt protection services or to any additional services, insurance or coverage. After the purchase I received a new card in the mail with a statement balance of {$3600.00}. I set up a new online account and began making automatic payments from my bank account each month between $ XXXX- {$250.00} each month. After 17 months of payments, I felt that I should be close to paying off the balance. Only after opening a previous statement did I realize that I was being charged the debt protection fee. This charge is not visible on the account summary and is buried on the statement. This charge was being placed on my account after my monthly statement was issued on the XXXX of every month, 6 days after the bill was due. This is an intentionally deceptive and illegal practice. I have been charged this fee, in varying rates, every month since XX/XX/XXXX, totaling {$340.00} in fees to date. 

I am absolutely outraged that a company thinks that it is acceptable business practice to charge fees on an account a week after the statement has been issued especially when a customer has not agreed to the services. In fact, Citibank is well aware that this is illegal. I guess that the XXXX in relief payments made to their customers and the XXXX penalty payment made to the Consumer Financial Protection Bureau was not enough for their company to stop this unlawful business practice. 

I did not enroll, elect, opt in, authorize or agree in any way to pay for this coverage on this purchase. I requested to be refunded immediately in full the total amount of fees charged to my account. I was told that my request would be reviewed within 30 days but I did not receive any documentation that a request was submitted, only a verbal statement from the debt protection services department. It 's fair to say that I do n't trust that they have their customers ' best interest in mind, nor do they plan to refund my account without a fight and legal persuasion. 

The agreed principle balance is {$3600.00}. To date ( XX/XX/XXXX ), {$3100.00} has been paid towards the principle balance due, with a remaining principle balance of {$500.00}. I have requested that the outstanding {$340.00} in unauthorized fees is to be refunded to my account no later than XX/XX/XXXX, the due date of my next statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/14/2018 about Debt collection (Other debt) with Monterey Financial Services LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: it was a company, XXXX that said i owed them for a product that was returned over 7 to 8 years ago. now they put my account im collections for XXXX for what they said i bought again. was not notified & XXXX wont remove from my account. never gave them my social or any info. dont owe this company not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My monthly payment has been on time for 4 years now, but it still shows delinquent on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with WELLS FARGO & COMPANY (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My name is XXXX XXXX XXXX Wells Fargo is reporting a foreclosure on my credit report which can occur I cosigned my son XXXX XXXX XXXX and he fell behind in 2013 Well Fargo mortgage he sent XXXX cleared up and the bank reinstated his mortgage with no prejudice towards him and failed to report that there was in a foreclosure. My son still lives in this house and has been updated on his loan since this occurred we still on this home and should not be on my credit reports as a foreclosure once to notify Wells Fargo they reversed on XXXX and XXXX that there 's no foreclosure but failed to notify the experience this is holding me up get in my dream home. I have notified I have notified Wells Fargo twice about removing this every time I called him the state my loan is in standing good and there 's no foreclosure I asked him twice to please remove this from experience on my credit report it 's stopping me from moving forward and purchase a new home. I have supreme court documents showing that the action that the bank wants applied for pre-foreclosure was rescinded and all actions one normal and the mortgage was reinstated and great standings please help me

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 03-01-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: APR or interest rate

Complaint: I am being charged interests on balances that I already paid in full. The company ( American Express ) failed to explain how they calculated these balances and I was told that the representative was not at liberty to discuss how they calculated those balances.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Capital One opened a credit card fraudulently in my name. After unsuccessful attempts to work with Capital One I filed a CFPB complaint. That resulted in Capital One admitting the action was fraudulent and removed card from my CR. I then asked for all documentation used to open the card and was told there was none because it was opened by telephone but regardless they required a subpoena to provide the information. I knew that was not true so I filed a second complaint. That complaint resulted in a letter from XXXX XXXX that I was correct but had to supply them with a signed letter request and two forms of ID. On XX/XX/XXXX I faxed the requested information to the number provided in their response letter. To date I have had no response so I called on XX/XX/XXXX using the XXXX number and the specified 6-digit pin to inquire on the Capital One Case #  XXXX. I was never offered an opportunity to enter the 7-digit extension specified in their letter. When I reached the CSR I was told there was no such Case # in their system. At that point I called the CFPB to determine why the CFPB case was closed and after discussing the status it was suggested I either mail all the documents I originally faxed or open a new complaint. I decided on the latter because XXXX XXXX would likely claim no such case existed and I would be nowhere in resolving this issue.I am uploading the fax cover sheet, the signed request letter, the response letter from XXXX XXXX dated XXXX XXXX, XXXX, the two forms of ID, and the fax tx verification report that I faxed to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Billing disputes

Complaint: The problem started in XXXX of XXXX. Bank of America offered ( via promotional checks ) " No Payment, No Interest '' terms on my credit cards, but repeatedly charged interest during that period even though payments were made on time. 

I had to call at least XXXX different times ( spending on avg 1 hr for each call ) to get interest that was inaccurately charged to my account removed. 

The matter was escalated to XXXX different managers, each promising a quick resolution & no further errors in processing the interest on the statements, however as of XXXX XXXX XXXX, the issue remains unresolved & I have been once again charged interest, even though I am within the promotional period & have been making my payments on time.

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 monetary relief
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am a current customer of XXXX XXXX. I recently checked my credit report and noticed that this institution is reporting inaccurate information to the credit bureaus and has caused a drop to my credit score. This company may be in violation of the FCRA due to this being the second time this has happened. This is affecting my ability to conduct other business so I am now contacting the governing agency of this institution.

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 09-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: For the second time today, I have been denied access to my JP Morgan checking and savings accounts. I tried to sign in with my usual user name and password using the same internet access device I have used in the past. However, I was denied access to my accounts and will not be able to get into the accounts indefinitely. This is abusive and unacceptable. The problem seems to be that when I travel, I sign in from different IP addresses which triggers the lock out. This has happened repeatedly. The website I tried to sign into instructed me to call XXXX. However, a machine answered and asked me for my credit card number, despite the fact that I have no credit card with JP Morgan. After wasting several minutes of my time, and waiting for several machines to spew out irrelevant garbage, someone finally came on the line. However, this person also asked me for my nonexistent credit card number, then referred me to another person who did nothing to restore my access. The second person could not be understood clearly. The connection was poor and she had an accent. She asked me some XXXX questions about pet insurance ( which I used to have but do not presently ), then announced that she needed to change my password and would send me information to my home phone. Since I am hundreds of miles from my home phone, I explained to her that this was pointless and asked her to stop wasting my time. She then announced that she would not grant me access to my account for " security '' reasons. Let me clear here. The problem with this dysfunctional system is that there is no person at JP Morgan who is accountable for these problems and various other people who want non-existent credit and debit card numbers go through irrelevant routines when people are arbitrarily but routinely denied access to their money. 

This has been the situation on my accounts for years. JP Morgan is unaccountable for ensuring that online banking is reliably available instead of intermittently so. 

I have bills to pay and need to check which checks have cleared. But I can not do so with the abusive and deceptive practices of JP Morgan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Consumer Loan (Vehicle loan) with DriveTime (FL).
Issue: Managing the loan or lease

Complaint: DriveTime Financial whom my auto loan is through refused to change the date of when my payment is due. I advised them my company 's payroll dates were changing and the company refused to change payment dates as a one time courteousy to be line with my company 's payroll dates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation