milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is an identity theft victim. Someone used her information to submit applications to several creditors in an attempt to open credit accounts without her consent. Each agency was notified at the time of the submission on the application and advised the application was fraudulent and done without the consent of  XXXX   XXXX . She was told at that time the applications were being terminated and the inquiry generated was being removed from her credit reports. In two cases formal disputes of the inquiries were sent certified mail with return receipt to the creditors in an effort to have the inquiries removed however those efforts have failed ; all of these actions are a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2016 about Payday loan () with Rosebud Economic Development Corporation (LA).
Issue: Charged fees or interest I didn't expect

Complaint: ROSEBUD LENDING BHL, D.B.A.FIRST PAY LOANS XXXX XXXX XXXX S.D.XXXX is the company who continually Breaches Contract by taking extra money outside of contract. I have the proof by contact and bank statement to justify the difference. 3 months straight there has been a difference of XXXX from the agreed contract and when I call they tell me it is a computer error. They tell me within XXXX10 days the company would reimburse me the difference. That day never comes. My bank XXXX XXXX XXXX is aware of this problem as was informed to file this complaint with your Department. This is a blatant " Breach of Contract '' by deliberate " Fraud '' and are worried that they wo n't stop until I have been robbed a lot more.

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 07/28/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Struggling to pay mortgage

Complaint: Hi my name is XXXX XXXX and I have been dealing with PennyMac to obtain a loan modification to be able to keep my home at an affordable payment. I initially applied over two years ago and have never been given a proper review, I have been denied for multiple reasons. I do believe my lender is engaged in predetory lending and additionally i do not believe Penny Mac has the promissory note or deed of trust. Over all I am confident my lender has violated my homeowner bills of right and is often involved in dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: It has been 5 years since my husband and I went through HAPR. We made all payments on time. I called last night b/c I knew there was supposed to be a reduction in principle after 5 years. I was told they sent me something XX/XX/XXXX and we did n't receive it. I do not recall every getting it. I asked them to resend and was told time is up and I ca n't take advantage of HAPR benefit. I did not receive the package and want the benefit we earned by making on time payments. I think this is not a good practice and way for CitMortgage to take advantage of people who they are supposed to be helping. Please look into this. All I want is the benefit earned and them to resend the papers so we can complete and return. We want the loan to be reduced as promised.

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 02-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I returned a cable box to XXXX and now I have received a letter stating that I never returned this cable box and now owe money. The company that sent me the letter, ERC, is a notorious debt collector know for fraudulent practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2017 about Debt collection (Auto debt) with EXETER FINANCE CORP. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Exeter finance has continuously changed the status of a mark they have placed against my credit report from In collections to 180+ days late and back again to the status of In collections in order to consistently damage my credit report. This sequence has been going on for several months and Exeter finance is quick to respond to my credit dispute as if the status is valid with each monthly change. If the debt is in collections please validate the date and mark it with the correlating status. If this pattern continues I will be forced to move towards legal action as this is an unethical tactic from your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As of Tuesday, XXXX XXXX, 2017, TransUnion is still knowingly and illegally reporting a debt of {$640.00} to XXXX for XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Experian has refused to remove a voluntarily dismissed Chapter XXXX Bankrupty filing ( reference number : XXXX ) from my credit report causing me prejudice and damage. The filing was voluntarily withdrawn by myself and dismissed by the court therefore it was never a bankruptcy and should not be adversely affecting my credit report. My creditors were not harmed in any manner by the filing nor the withdrawal/dismissal and they did not experience any financial loss whatsoever in any manner therefor this item should not be allowed to cause me prejudicial damage.

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 01-03-2016 about Debt collection (Medical) with Asset Recovery Group, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Mortgage refinance - Title company found judgement against XXXX XXXX form XXXX XXXX. Although the address and date of birth did not match they would not clear title because somehow, Asset Recovery Group had my SS #. XXXX attorney 's I talked to said they frequently pull that information from data bases without verification. After several conversations with the title company ( WFG ) they ( Asset Recovery ) convinced them beyond a doubt that this was my debt. This is fraud. We were three days from signing ... I had no choice but to pay someone else 's debt or loose my interest rate. {$2700.00}. I want my money back. 

XXXX XXXX living in XXXX WA made numerous trips to the XXXX over several years around XXXX. She ended up owing XXXX which she defaulted on. XXXX reported this debt to the credit agencies on XXXX XXXX 's SS and then sold it to Asset Recovery who pulled my SS number from a data base, probably due to the similar date of birth. XXXX XXXX, however, was served at her home -in XXXX!! 

All XXXX had to do was look at my credit reports to clearly see I have never lived XXXX and never been to the XXXX. My credit reports are spotless with a score of XXXX XXXX to be found. My children have know me for some time and never once visited me in XXXX. 

The date of birth was wrong and in XXXX I had dark red hair - I only stopped dying my hair two years ago but you would not know that, no one ever called me ... 

Asset Recovery has stopped giving me information as they are realizing they have made an egregious error, but admitting that opens them up to a law suit. Collection agencies pull SS from data bases and errors are not uncommon. At our last communication they said " we are not sure you are this person. '' They will not provide me the date of birth so I can order the medical records from the XXXX, because as the last XXXX attorneys I have spoken with have indicated ... the XXXX will have the correct SS #. Gee, if I was really this person I should have no trouble getting my own medical records ... thing is I 'm not this person. I do n't know her real SS or her real date of birth.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 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.

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 04-01-2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MD).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX and as of today Flagstar Bank holds my mortgage. In XX/XX/XXXX Flagstar Bank placed my property into foreclosure after making my timely payments under their loan modification ( see attachment ) and referred the matter to their Attorney 's " XXXX, XXXX, XXXX XXXX XXXX ''. In fear of losing my property I hired " XXXX XXXX XXXX XXXX '' to whom I paid over {$5000.00} in fees, only to learn from their website they was doing foreclosures for Flagstar Bank. I brought this to their attention and they quickly removed it. To no avail with " XXXX XXXX XXXX XXXX '' and Flagstar Bank charging me outrageous fees and I feel deliberately holding back, I was forced to use my retirement funds to pay Flagstar Bank Attorneys {$31000.00}. Due to illness and XXXX I fell back in XX/XX/XXXX only to go through Flagstar same actions. I paid the rears as per their Attorney 's " XXXX, XXXX XXXX XXXX '' and now Flagstar is stating they are not accepting the funds and I need to contact their Attorneys to find out why. The same I had hire an attorney for this matter just find out the status of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/2015 I sent a letter to Central Financial Control informing them they were violating my rights afforded by FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as " OPEN '' and requested they correct their reporting. 
As of XXXX XXXX, 2015 I pulled my credit reports and Central Financial Control has not updated the status. 
This incorrect reporting is causing harm to my creditworthiness through several scoring models and needs to be removed. 
This was medical debt that should have been paid by insurance, that I did not receive any notice of until it showed on my credit report. I immediately contacted the company and paid the debt, yet it still continues to show as an open and active collection account with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My student loans ( my own and my XXXX loans for my kids ) went into repayment in XXXX XXXX and I was put on an income related repayment plan because I have a low income. My repayment was {$240.00} per month. In XXXX XXXX I was notified by email that my payment would increase to {$430.00}. Since nothing much had changed in my circumstances, I felt there must be a mistake. I called and spoke to a service provider at FedLoan and was unable to clarify to my satisfaction exactly why my loan increased. He said that it had increased because a great deal of interest had accrued because I had lower payments and also that my income had increased. Subsequently, I spoke to another servicer at FedLoan as well as several other counselors who help with student debt questions ( including my tax accountant ) and it appears that the servicer made several errors such as telling me that my debt had risen to {$99000.00} from {$66000.00} in one year because of the lower payments I was making. I finally managed to speak to someone from the XXXX office and when we went through the figures together, she identified a key error made in calculating my repayments : the FedLoan servicing organization had recorded my gross income as something like {$10000.00} more than the previous year, whereas it had increased by just over {$1000.00}. This miscalculation was in spite of the fact that my tax forms had been correctly submitted on time by my tax accountant. The ombudsman service woman suggested that we try to sort out the problem with a XXXX call but she was unable to get the appropriate person on the line at that time. She was supposed to be calling me back as soon as the call was set up. I have n't heard from her since and it has been about two months since we spoke. In the meantime, I have had to take money from my pension to help with expenses -which will increase the recorded income for the past tax year - and I also need to reduce my household expenses as much as I can. I would like to cut my phone landline which costs me {$60.00} a month but it is the phone number that the XXXX office contacted me at, so I have been reluctant to give up that number. In other words, the FedLoan Servicing organization 's errors appear to have not only caused me to lose the full income sensitivity that I merited, but it is also costing me money. I would appreciate your help in resolving this without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (I do not know) with CONTRACT RESOLVE GROUP LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I used to be the XXXX of a company that closed down last year. I continue to get harassing phone calls from this debt collection company threatening to sue me. Now they are calling my wife 's private number. My wife has no association with this company. 
I get XXXX or XXXX calls a day. My wife received XXXX today and is likely to start receiving more now that they figured out what her number is. The debt does not belong to me personally. It belongs to a corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have a {$20000.00} credit limit with USAA for 11 years. All of the sudden they cut it to {$500.00}. Explanation, I didn't use it. 

I tried explaining that we had a family illness and were caught up managing health. Also, explained that I managed credit wisely never late and instead of wasting money and then filing for bankruptcy, I prudently utilized the available credit limit not to put their company 's money at risk of not paying back. 

Was tald I can apply for another card, I did and immediately got rejected, XX/XX/18, reason : '' Our decision to decline your request was based on the following reasons : Maximum Credit Limit Reached. '' But just yesterday, applied at XXXX for their XXXX and got instantly approved for a higher amount. 
How unethical for USAA to do a hard pull, when they in-house already pre-decided who gets what, just because. I view this as a discriminatory action. 

I have {$30000.00} XXXX XXXX and XXXX no problems. 

After USAA rejected me today, I closed *their* credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is trying to collect {$510.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (I do not know) with Jon Barry and Associates, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: It 's called Paragon Revenue Group And it says it was opened XX/XX/2014 and the amount is {$3400.00} Theres NO WAY I could have gotten that amout from anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is reporting erroneous information on my credit report from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I called on XXXX/XXXX/XXXX to find out why my loan paperwork on XXXX site stated that my loan would be paid off in XXXX. When I took the balance ( {$15000.00} )@4.5 % interest to a auto loan calculator, I found that it should pay off within 7-8 years and not 12 years ( XXXX - XXXX ). I then went to a representative to ask what was going on. My account says that Loan 1 payment is {$10.00} and for Loan 2 - {$150.00}. This brings a total of {$160.00} and I have been paying {$170.00} for years. The rep told me that under billing and payments that {$11.00} for Loan 1 and {$150.00} for Loan 2 was being applied. This totals the {$170.00}. I do n't understand the difference. There is something very wrong here with the online information ( not up to date, incorrect, misleading, etc ) or the rep was just trying to please me to get off the phone. I just do not understand. Are my funds going elsewhere and why the year XXXX? I would be XXXX years old when it is paid. I even asked the rep to tell me when this debt was going to be paid off. She said somewhere inbetween 7-8 years which matches the {$210.00} for a 7 year auto loan. I still do not understand why my account is so far off and I do not believe my money has been totally applied to my student loans. Again, there is something awry here and it is illegal as far as I am concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with Codilis & Stawarski, P.C. (AR).
Issue: Struggling to pay mortgage

Complaint: I owned my condo for 14 years without ever a late payment. I became ill, lost my longtime job with XXXX, and had to stay with family out of state due to physical limitations. XXXX and their debt firm Codilis & Stawiarsky ( XXXX, TX ) foreclosed on me over {$1500.00} and I was n't aware until after the sale on XX/XX/XXXX. Codilis is very unethical and unprofessional, ignoring most of my communication and dodging payment of the excess proceeds from the sale. They also have not paid off the mortgage, running up the payoff to XXXX. XXXX states they have no control over what Codilis does or does n't do. <P/>I require medical care, my XXXX hearing has finally been set after 26 months of waiting, and I need this money for groceries and medication. The laws give these companies freedom to take advantage of taxpayers ( yes, being single, I have paid a lot of taxes over the years ) when they should be held to the same short timelines as the borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 it has been determined that any public record data must include name, address, SSN and Date of birth in order to be reported on your credit file. The credit bureaus has failed to update this information and per the new law, The Bankruptcies should be deleted from all credit reports.

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