milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Debt collection (I do not know) with Nationwide Recovery Systems, Ltd (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX  ACCOUNT NUMBERs :  XXXX  AND  XXXX   XXXX / XXXX / XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX , GA  XXXX  PHONE :  XXXX  Your company have violated FCRA  615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition  on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence (   1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A   ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious   XXXX     XXXX  AND  XXXX  AND ANY OTHER ACCOUNT ASSOCIATED WITH THIS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District  Court for the  XXXX   District of California Stop  collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX  SOC SEC #  XXXX  DOB   XX/XX/XXXX   ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The account was closed XXXX. We hired a creidt couseling agencies. The debt was paid off in XXXX. 

I recevied a phone regarding a unpaid debt. I have no knowledge of this debt. The representative stated I made a payment in XXXX. I ask for verifcation. I have not received a response. 

The phone call are non-stop everyday. I need help

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 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with College Loan Corporation (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received correspondence from XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor college loan corp/XXXX. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX were doing a loan modification on our home in which they told us they were going to do a dummy bankruptcy to stop the sale of our home. Unknowing to us it was n't a dummy bankruptcy because it is now on our credit. I filed a complaint with Consumer Finance about this company already. This company is located in XXXX XXXX XXXX and we are located in XXXX XXXX and from my now understanding they broke federal law in doing this. we would like for this public record to be removed from our credit report. They charged us {$4200.00} for a modification that we did not accept and {$1500.00} for a supposly dummy bankruptcy. XXXX scammed us out of {$5700.00} for services not rendered. My XXXX complaint with XXXX # XXXX was dismissed, I would like for you to please take a look at XXXX cases. This company is scamming people out of their money and should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (I do not know) with Performant Financial Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Every month I get my credit report. I discovered that my credit was pulled by a company called Performant. I did not authorize this company to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: requested XXXX close XXXX XXXX XXXX, great effort required due to telephone conversations and language challenges, XXXX XXXX XXXX did not follow through closing the account because it was attached to an XXXX XXXX account or something like this, the reason they did not follow through is unclear, an additional charge was placed on the account afterward. The account was still open and we had to call again to close the account, again with great effort and insistence.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Trouble during payment process

Complaint: we recently refinanced our home with XXXX XXXX, they contacted Ocwen Loan Servicing for payoff amount and XXXX paid off the mortgage. there was an escrow balance of {$880.00} which Ocwen never returned to us. I contacted Ocwen by phone they stated that the escrow was kept to pay off fees that were not included in the payoff of the mortgage. I then emailed and asked for a detailed statement. I 'm not sure I understand one line of it? " As per the State laws ; in Ohio, foreclosure fees will not be charged and assessed. '' I read it as I wo n't be charged or assessed fees? 

Ocwen Loan Servicing, LLC ( OCWEN ) would like to take this opportunity to thank you for your recent communication regarding the above referenced loan. We appreciate the time and effort on your part to bring your concern to our attention. Pursuant to your request, we have reviewed the loan and below is our response to the concern raised : Concern # 1 Response You inquired about the balance of {$880.00} in the escrow account, which has been applied toward the fees. 
We reviewed our records and it was determined that foreclosure fees in the amount of {$1500.00} were not included in the payoff quote. As per the State laws ; in Ohio, foreclosure fees will not be charged and assessed. Therefore, the funds in the amount of {$880.00} from the escrow account have been applied toward the fees and expenses. 
Below is the description of Foreclosure fees assessed on the loan. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Date Description Amount -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX Foreclosure Fee {$280.00} XX/XX/XXXX Foreclosure Fee {$520.00} XX/XX/XXXX Foreclosure Fee {$310.00} XX/XX/XXXX Foreclosure Fee {$100.00} XX/XX/XXXX Foreclosure Fee {$300.00} XX/XX/XXXX Foreclosure Cost {$42.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Total {$1500.00} Less Paid/Waived {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED XXXX XXXX XXXX SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XX/XX/XXXX WHEN IT WAS REPORTING XX/XX/XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING XXXX XXXX XXXX TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ARS ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Over a year ago my accounts were closed by Chase, only after I originally had an account for over 8 years. I finally decided to close this account. I thought I wouldnt need it at the time. I then got a new job, and decided to open a new total checking account. After only a week open and one deposit, chase told me they were closing my accounts. After many months of intensive research. I had come to determine that I am not a risk to Chase. I havent ever filed disputes. My identity was stolen. After asking chase why at the time the lady in the loss prevention department told me it was because of something on my Consumer report, that if I got it removed they would fix my accounts. Well I went into the XXXX, TX branch and was told that my accounts had notes, saying do not open any new accounts call fraud. However I havent ever committed fraud and the manager said he wasnt sure. I ventured into another branch a few months later and was told there werent any notes on my accounts. I would like the decision to be re reviewed. After searching, the claims were not filed by me, in fact my identity was stolen. I placed alerts on all my reports as well, as notified the FTC. What was happening is I had unauthorized charges, which followed unauthorized Claims. These were not from me. I want a second chance, as I am a victim. Prior to that I was in excellent relationship status with the Bank. All my family banks with Chase, as Chase Private Clients. I called last night again XX/XX/2017, after speaking to this nice lady at executive office was told they would research my accounts. When I called last night the rep told me there is notes on there saying fraud again. I dont understand where these notes come from, I have never committed fraud. I would like this to be re reviewed because I dont believe you took into account all the information I notified chase of. Im not a risk. My investments are through Jpmorgan. I would bring all my employer direct deposits, as well as my investment accounts to the bank. Chase, it is my first bank acct. its convenient and Chase customer service is amazing. offers very amazing incentives. I believe I should be able to show the bank and prove Im not a risk. That instead Im a victim

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (Other mortgage) with U.S. BANCORP (LA).
Issue: Credit decision / Underwriting

Complaint: My house was wrongfully sold in foreclosure during loan modification, I have received jgmt for amount usbank bought the house back for after erroneous foreclosure sales. Principal at time was {$70000.00} and did none of the credits from XXXX/XXXX/XXXX of {$3200.00}. For loan modification as stated in phone call XXXX/XXXX/XXXX XXXX XXXX with usbank and following calls with XXXX XXXX. And {$820.00} XXXX and {$4900.00} for XXXX modification. I have requested several times what {$21000.00} RCA fess itemized. It looks like they have added sale figures back to principal on modification papers for sales principal of {$92000.00}. Please go over figures and they have told me they added the past due onto the principal which is wrong figure. I started filing application for loan modification since XXXX. They have dragged their feet for 7 years due to farm loan and made the expenses what they are today. My husband lost his job and is why we fell behind on the note. My husband has since been XXXX and we are still going rough that process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Trouble during payment process

Complaint: Received letter from XXXX XXXX of transfer of servicing to Nationstar. Received letters from Nationstar on how to make payments to their company. Trying to make this payment was a joke. Kept transferring to a XXXX XXXX saying they had bought Nationstar. NO letters indicating of this transfer! We were concerned this was a case of fraud since we had not received any paperwork. Tried to make a online payment were going to charge us XXXX for making a payment. Tried going into XXXX XXXX using Nationstar loan number it does not exist. This is a mess having to go to the postal service to mail a payment and having it certified because I DO NOT TRUST THIS COMPANY. Also do they charge XXXX to speak to a rep as indicated on the paperwork! I 've never been late on a payment this is the worst servicing company!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Student loan (Non-federal student loan) with Williams, Rush & Associates, LLC (MS).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I took out a student loan to attend XXXX in XX/XX/2011, after deciding to withdraw from the program I cancelled the loan before it was disbursed, which in turn made me liable to the school for a bill/ loan I do n't feel obligated to pay since the school used misleading information to boost enrollment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I keep getting calls about my student loan when the statue of limitation is up. This loan is still showing on my credit report. I called and tried to make several payment arrangements and I could n't afford the payments that were offered. I also am aware of a recent lawsuit that was taken out on the loan provider for those same issues that were affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled my credit report from Experian and XXXX and to my amazement, I saw credit card companies " XXXX XXXX '' and " XXXX Bank '' on my REPORT! I immediately disputed this information because I have not had a credit card since I filed Bankruptcy and the results of the investigation came back " verified '' and showing an incorrect / old mailing address that I have not lived at since XXXX 2013. I like to know /see what kinds of " records '' that was set up for me under these alleged accounts. So, I may file and report Identity Theft in accordance to the Fair Credit Reporting Act ( FCRA ) and any other Acts as the information furnish does not belong to me and they are required by law to notify me of any insertion of especially negative listings that go into my Credit Report.

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 06/23/2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Completed chapter XXXX and paid off taxes, both state and federal. I have contacted XXXX and my report still shows liens by the FED and State.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Vehicle loan or lease (Loan) with FIRST AMERICAN FINANCIAL CORPORATION (AR).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: XXXX XXXX in XXXX Arkansas sold me a XXXX XXXX and could not fix the leak in the XXXX  XXXX had it a little over a month and it had been in there shop 4 times and still leaked The service manager XXXX XXXX told me that the hole i could stick my hand in was normal and XXXX percent of XXXX leaked i had to XXXX the car and tell him the fifth bow was bent Anyways XXXX XXXX  the salesman i delt with recomended getting a new car to fix problem. I took the bait. XXXX informed me XXXX the main manager and the others were doing my paperwork while i drove the new XXXX I left thinking that new XXXX dollar XXXX i got for XXXX for all the trubble. I soon realized that i had it crossed and i was paying XXXX dollars on the XXXX they couldnt fix ive been back to get no help they XXXX me and my wife up and are taking money they dont deserve plz help us these guys are crooks and liars in suits

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with Concord Resolution Inc (Closed) (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An automated caller keeps calling my cell phone and my work number saying I must call back today about " sealed documents. '' When I called back today, XXXX XXXX said he was from Concord Resolution and said I needed to speak about " sealed documents. '' He would n't give me information in regards to what the debt was nor would he send me the proper paperwork about this so-called debt. He also said there were XXXX numbers on file for me!!!!!

Company response to consumer: Untimely response
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Capital one was notified by me about 2 cards I have with them. I paid the cards off. Now they are maxed out. Each card has two account numbers, wrong information, wrong telephone number, billing info incorrect, and lot of charges that do not belong to me. I do not want negative remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with AR Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract nor any contract with AR RESOURCE INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCE INC. I am not responsible for this debt with AR RESOURCE INC. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In XX/XX/XXXX I signed up for the luxury gold card. The company offered an scra benifits that waived all fees ( including the annual fee ) and gave me 0 % APR on all purchases. In XX/XX/XXXX I heard of friends trying to get the same deal but the company stopped offering it. I spoke with a representative and was ensured that I was grandfathered in and my benifits would not change. In XX/XX/XXXX I received a letter stating that I would be forced to pay the annual fee in XX/XX/XXXX all other benifits would remain.

Company response to consumer: Closed with explanation