milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Ok I am contacting you because of Portfolio Recovery Associates. There are XXXX accounts with Portfolio Recovery Associates , LLC. When I noticed these accounts on my reports via XXXX. I went directly to pull my reports and I disputed the accounts with the credit report agenices and they all came back verified, I then realized Portfolio recovery did not validate before reporting to the credit bureaus, a collection agency is not allowed to continue collection activity if a consumer disputes the account within XXXX days, but they never made me aware of these accounts prior to showing up on my reports. I never heard of this company into they appeared on my reports.This violation falls under 15 USC 1692g 809b.Also they have failed to mark my XXXX credit report as disputed. This violation falls under 15 USC 1692e 807 ( 8 ). I then contacted them threw the XXXX and got the same responses back, but this time XXXX accounts were removed from my reports, but funny thing is they verified these with he credit bureau a month prior and said the accounts are reporting accurate even though they were n't .It also came to my attention a collection agency is not allowed to report a collection account as " OPEN '' And should be under negative collection accounts " NOT '' Under Accounts " other accounts '' showing as if im past due with late payments. This reporting is wrong and should have been change when they supposedly verified with the credit report agency 's XXXX dispute, but is still not changed. I am going to attach proof the accounts are showing as open and under the accounts tab. Portfolio has also updated the date they XXXX reported the accounts which was XXXX months prior and now it says XXXX reported XX/XX/2015 when it should state it was disputed and updated XX/XX/2015. Now all of a sudden they are updating their end to fit there needs so they do n't get caught up in there lie that they did n't notify me directly of the account accounts are 1.XXXX2.XXXX3.XXXX 
4.XXXX5.XXXX6.XXXX I will attach all information if possible. I have the prior snapshots and current snapshots.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The collection agency, F Hannah, XXXX, GA began a wage garnishment without proper notice, proper verification of debt, and without verifying ownership of the debt. I found out about the garnishment by mail from my employer, 5 days before it was to take effect. I finally received a letter by regular mail on the date it took effect, XXXX/XXXX/16. I filed a traverse, however the judge XXXX XXXX of GA State Court, XXXX County, Ga, showed bias to the plantiff, and ignored the GA State Code requiring delivery signature to be filed with the clerk of court within 3 days of filing the garnishment. He denied the traverse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (I do not know) with Midwest Recovery Systems (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Requesting Immediate Review by the Consumer Financial Protection Bureau ( CFPB ) : -Notification received via email on  XXXX /2017 at   XXXX   XXXX  . from  XXXX  of a change to   XXXX    Credit report after careful monitoring weekly for over 12 months.
-Upon research, a collection was posted by : MIDWST RCVRY ,   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   , MO  XXXX  for {$3300.00}.
-To date, the CFPB has received 127 complaints about MIDWST RCVRY in 2017 --   XXXX   XXXX   XXXX   of 2017 already and   XXXX   XXXX   XXXX   2017-all similar to mine where collections appear with no notification to consumer prior to submission to Credit Bureau . In many cases, it is also where the consumer has no knowledge of debt or is associated with a payday loan company.
-CFPB database contains nearly 400 complaints about MIDWST RCVRY.
-Upon further investigation, this was provided to   XXXX   and   XXXX    only. Disputes have been filed with all  XXXX  major credit bureaus.
-Type/Rate of item on credit report are unusual code " OPN 09 '' and seen less frequently by the credit bureaus.
-This is damaging information to consumer credit reports and must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Draper and Kramer Mortgage Corp. (IL).
Issue: Settlement process and costs

Complaint: 1. I closed a loan with 1st Advantage Mortgage on XXXX/XXXX/XXXX. Apparently one of the documents I signed was a quit claim deed conveying title of my home from my trust to another trust with a different last name and my wife 's trust. This was not disclosed to me prior to the closing and was completely unnecessary to for the effectiveness of the mortgage given our home has been in my trust and my wife 's trust ( XXXX ) since we established the trust in XX/XX/XXXX. Moreover, we have refinanced our home at least 6 times with this same company since XX/XX/XXXX so this was not new information. 

2. I received a notice from the XXXX County Recorder of Deeds indicating possible fraudulent activity regarding this quit claim deed given the the last name of one of the trusts ( mine ) was different then their records. 

3. Even though the closing took place 2 months ago, I have yet to receive a complete set of executed closing documents. 

4. The loan is current and in good standing. XXXX XXXX debt service has been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Debt collection (I do not know) with Unlimited Progress Corp (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The phone number that they have been contact is either forward to my place of employment or to my older daughter 's phone during the week. On XXXXXX/XX/XXXX when my daughter answered the phone a lady started speaking XXXX and then switched to XXXX and asked for myself. My daughter informed her I was not home the lady then continues to leave a message and said that she was CDA and she was a debt collector on a recorded line and my daughter confirmed with her the phone number and reason why she was calling my daughter also made XXXX aware that she was not myself and that it was against the law to disclose to another person outside the debtor themselves XXXX did not care They have also called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXXat XXXX and revealed they where debt collectors but my daughter did not take a message either of those times

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: When I logged in to my Equifax account, I received a message to contact Equifax 's customer service as a result of my attempt to confirm whether my credit freeze had become effective. I called customer service on XXXX XXXX, 2017 at approximately XXXX XXXX, and was in their queue for just over three hours, which was twenty minutes after their customer service department closed down. During that time, in their recorded message, they had the nerve to try to cross-sell their products, and never mentioned that their customer service hours had ended. 

Considering the exposure this company has put me in, I would expect they would be more proactive in helping consumers, such as me, to make sure we are protected. Apparently they do not agree with me. I have never had to wait like this. Their solution is for me to submit something in writing and they would respond within 48 hours. As a senior, I 'm not willing to wait that amount of time while the confidentiality of my personal information has been compromised and being exposed to identity theft and fraud. 

They should be thoroughly investigated for their inadequate business practices and be held responsible for their actions ( and inactions ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I deferred 6 payments on my car loan, and the payments that were deferred were added to the end of my original term due to mature aroundXX/XX/XXXX I am currently making my payments on those deferred payments and the new maturity date is set for XXXX/XXXX/XXXX. They are telling me i will have a balloon payment of around $ 2k still owing to interest at the end of my loan but i am paying the interest from those payments right now. There should be no balloon payment at the maturity date because they can not charge additional interest on the interest i am currently paying. When the payments are deferred the P & I payment is deferred for that time period and they are telling me that after they placed those payments at the end of my loan, they still charged me additional interest until my next payment was made which means they are charging me interest twice for the same time period

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: I opened an account with Wachovia ( now Wells Fargo ) XX/XX/2008. At the same time, my father and brother also opened accounts with the bank. After a few years, the bank started charging me a monthly fee of about {$10.00}. I tried to figure out why they started charging me this fee, but not charging my brother or father the same fee. After a while, I gave up trying to get the bank to stop charging the fee and I closed the account. Now that it has been exposed that Wells Fargo has been finding unfair ways to charge customers fees, I am wondering if I was a victim of their misbehavior.

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 09/15/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is requiring me to use XXXX XXXX to do a valuation on my house to remove PMI. I can not find this requirement in my mortgage documents. It is a requirement listed in a letter they sent to me on XXXX XXXX, XXXX. My mortgage originated in XXXX/XXXX/XXXX. Are they legally allowed to do force me to use a specific appraiser after the fact? Additionally, XXXX XXXX charges {$550.00} for a single family property. The highest rated appaiser on angieslist.com quoted me {$270.00} for my specific single family home.

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: XXXX has now decided to manipulate my credit report, the proof I will attach clearly demonstrates abuse and they should be fined for this. Companies should not be able to manipulate you in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Auto) with PRESTIGE FINANCIAL SERVICES INC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get paid bi-weekly, and there are times i make my payment a couple days late from my due date but I always make my payments within the month. Example : payment due on the XXXX of every month i get a text/call/email on that day from my lender, the next day they call me again text/email/phone, third day they will threat they will start calling my reference to if i dont call to make a payment. I dont understand why this lender threat me every month when i make my payments, i have never miss a month of payment with them. I need this to stop. they call my phone/email/text me and then do the same to my husband i have emails/text from them and they are not professional at all.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Making/receiving payments, sending money

Complaint: My car was repossessed. The bank still reports this after the statue of limitations

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 12/14/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The debt collector told me that they would be submitting documentation to my companies HR department and begin the process of garnishing my pay. I asked the debt collector not to contact me at work, to contact me at home, to which they stated they would not argue with me and hung up on me. The debt collector then called my manager and left a voice mail threatening some sort of legal notice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Around XX/XX/XXXX, I discovered on my XXXX monthly earning statement a debt collection in the amount of {$240.00} with the following message below XXXX XXXX XXXX-DEBT DEBT BALANCE {$.00} ORIGINAL DEBT {$240.00} XX/XX/XXXX XX/XX/XXXX UNPAID DEBT BALANCE *TOTAL* : {$.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ET Immediately I contacted Citibank customer service : The representative whom I spoke with informed me that {$240.00} fees was for a {$29.00} fees for a new card issued and sent to me. The additional fees was for late fees. My question to them was : where the notification of this charges sent to and when. Citi declined to discuss with me and referred me to the XXXX card representatives who just confirmed the charges that I was calling to address. 
1- The credit card from Citi for which I am currently registered never showed any balance due and have an available balance of {$4000.00} 2- I am currently XXXX have no access to any hard mail 3- Citi have my correct and current email address on file. Why was it not use as the unit know Im XXXX 4- Citi informed me that a new card was issue and the bill for the new card was sent to the new card for which I was never registered. As a result I would never receive any invoice nor any notifications of any statement regarding a bill. 
5- My unit representative, which is the program manager, never send me any notifications of an invoice of {$29.00} which was not paid, which was being billed to a non-registered card and a physical billing statement being sent to an address where no one would see as I am currently XXXX 6- I have always paid my bill in full. A matter fact Citi has once issue me a refund of {$600.00} for overpaying an invoice. This just to show that I was never aware of this invoice.

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 01/26/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted multiple applications for assistance for home retention through Flagstar Bank. I submitted paperwork for loan modification and for information regarding Short Sale because I felt defeated and none of the Flagstar staff was willing to help me understand how I could retain my home or offer me any help. They called multiple times a day harassing me regarding the delinquency of my loan and would not offer me any assistance when I asked about my options. They simply ignored me and moved forward with the foreclosure.

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 12-01-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CITIBANK, N.A. (NY).
Issue: Money was not available when promised

Complaint: To Whom It XXXX Concern, On XXXX XXXX I sent {$500.00} from my Citibank account to another Citibank account holder through their XXXX funds transfer service. The amount was debited from my account on XXXX XXXX, but the funds were never received by the receiving party. The XXXX transaction shows on Citibank as failed, but the {$500.00} was not returned to my account nor was it credited to the recipient. 

On XXXX XXXX I contacted Citibank via their website chat. At that point, I was told that an investigator was being assigned to look into it and would give me a call. Later that day, I received a call from the Citibank fraud department where I was told that I could not file a claim until 10 calendar days from the date I sent the transaction, as that was how long it would take XXXX to return the money. 

On XXXX XXXX, along with the receiving party, I contacted Citibank and was told that the {$500.00} should be returned to me later that week. 

On XXXX XXXX, I again contacted Citibank. This time I was told that a claim should have been filed immediately, in direct contradiction to the claim made by Citibank 's fraud department on XXXX XXXX. In attempting to file a claim with them at this point, I was told a claim had been filed on the XXXX, and I should get the money back into my account 10 days from that date. 

On XXXX XXXX, after still not having my money returned, I reached out to Citibank. After having my competence insulted by the initial customer support representative, I spoke to a supervisor. The supervisor claimed that he would expedite my request and that Citibank should be in contact with me today XXXX XXXX XXXX ). That has not happened.

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 09/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX cell phone. being charged for a contract that was not told to me. i was unaware of such thing, if i really was told or explain this i would not have taken the phone that i return

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I really need someone to assist me because I have been going through this for years with absolutely no assistance. I am a victim of identity theft. I worked at a company where the personnel who gave me my separation papers mistakenly provided me with another person 's information partially with mine as well as provided my information to this other person ; we both have the same first and last name, different middle name. This person used my information to open accounts as well as go to the extent to use my name and social security # when he went to jail. I had thought that this whole debacle had been cleared up on my credit report, but now that I am seeing it again, I know that it has not been. I am including my letters to the bureaus as well as my identification and affidavit. I was not able to obtain a police report. When I went in to the station to file one, the officers laughed at me, stated they " do n't give a XXXX about something that happened in Virginia '' and would n't make a report for me. I do not have the option to file one online, either as my area does not allow for that. 
I 've disputed this with the bureaus in the past and have received no assistance. 
When this person used my information to obtain a vehicle loan, I received a letter from XXXX stating that I had been approved for $ XXXX and that if I did not authorize this, to write them and let them know. I sent a letter certified as well as faxed it, stating that it was NOT me who applied and to NOT send a check. I then received another letter stating that the check had been sent for $ XXXX to the dealership. I did not authorize this, I did not apply for this, I did not obtain this, I do not have the vehicle and i need for this to be blocked and removed from my credit report immediately. This is NOT my account! 
As for the XXXX account, I did not open or authorize this account and I have no knowledge in regards to it. I notified them as well and nothing happened ; this is the same result from the credit bureaus. 
The accounts and inquiries in dispute are listed on the letters that I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (VA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (FL).
Issue: Application, originator, mortgage broker

Complaint: Refused Mortgage because I am a XXXX despite my great credit rating and excellent work history. Reasons were given through a text, gap in employment, a number of different staffing agencies. No credit for gross income or ability to find good paying contracts or that my wife had a full time position.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Experian on several occasions that these inquiries do not belong to me. I contacted customer service in XX/XX/XXXX and told them that my sister name was reporting on my credit report and that several of her information was on my file as well. They removed most of the information but these XXXX inquiries are still reporting. On XX/XX/XXXX they placed an fraud alert on my file but didnt remove the inquiries. I need these inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX all removed because they do not belong to me. Each time I contacted and wrote to Experian they came back saying please contact the company to have them removed but the companies do not have my information in their system.

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