milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2016 about Debt collection (Credit card) with Colony Brands, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have written to the company to dispute the debt. I received a response with a print out of a supposedly show of payment and finance fee with only referenced info from 2014. I asked that a complete show of orders and payments with proof of payment via check or credit card and that was not sent. 
I have written to the original creditor who has not responded but they are reporting the debit to the cra 's who keep validating the debt I have asked the cra 's to validate the debt as well. The original creditor is reporting the debt under Montgomery ward XXXX XXXX XXXX XXXX XXXX on my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed an incorrect collection/delinquent account from XXXX XXXX, Acct. No. XXXX. I have letter ATTACHED FROM XXXX STATING IT FILED AMENDMENTS WITH ALL MAJOR CREDIT REPORTING AGENCIES TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT. I have attached that letter to this complaint. Transunion did not remove the item from my credit report. Transunion did not provide any documents supporting its refusal to delete, as I requested and as required by the FCRA, it just said the item was 'verified ' without any supporting documentation. I request you to resolve this issue with Transunion to remove the item from my credit report, as instructed by the creditor in writing on the attached letter. Thank you. Please notify me of any action taken, XXXX XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Thank you.

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 01-08-2018 about Debt collection (Medical debt) with Hunter Warfield, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hunter Warfield Inc. claims that I owe them according to my credit report. However when I called to pay it, they said I dont owe anything. The amount is {$140.00} owed and {$110.00} is the balance. The date of report is XXXX XXXX, 2012. 

Please help, your time and effort are appreciated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent several letters to all 3 credit bureaus requesting that XXXX XXXX XXXX, XXXX provide validation of debt concerning the 2 accounts held at their company in my name. The have not provided any validation of this debt but continue to send letters stating I need to pay this collection. They are reporting inaccurate information to the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (Credit card) with Eastpoint Recovery Group, Inc (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Even after I had verbally stated for this company to stop calling me, they continued to harass me. They have threatened to take legal action on more than XXXX occasions and have been pushy about me giving them a post dated check for the full amount of the debt.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received a copy of my credit reports and I 've noticed that there were many unauthorized credit inquiries made not to my knowledge. I do not recall authorizing these credit inquires and I understand that they should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation about all of my inquiries to determine who requested the information.
If you find I was not the one who authorized this inquiry, I ask that XXXX have it removed immediately from my credit file. Please be so kind as to have the CB to forward me documentation that you have had the unauthorized inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Bank account or service (Other bank product/service) with KEYCORP (CA).
Issue: Account opening, closing, or management

Complaint: Key Bank National, XXXX XXXX, Or XXXX. Will not close out my father and mothers checking account. my sister was also on the account as a signer. All XXXX family members have passed, my father XX/XX/XXXX ( this death certificate should already be on file ). My Mother passed in XX/XX/XXXX and my sister passed away XX/XX/XXXX. She failed to close the account when she was moving all the house and other necessary things to do upon someones passing. I have sent this bank certified mail XX/XX/XXXX regarding the checking account still open. The information was XXXX death certificates their ID 's, my ID, a noterized copy of my signature and an affidavit. I live out of state and do not have the luxury to walk into the branch and do this in person where it would take less documentation then the have in their hands now. Since XX/XX/XXXX, I have been speaking to whom I think is the head teller and have spoken to the Branch Manager. Between the XXXX of them I have no further results XX/XX/XXXX. On my behalf I have also spoke to XXXX people from Key Bank Headquarters. They promised to help, I received no further phone calls as promised. Yesterday I get a text, from the Branch Manager, that he has know made a few calls to attorney 's and when he here 's back from them, he will contact me. I know have to wait while they consult an attorney. Give me a brake, where is Key Banks Protocol Manuel??

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX credit card does not belong to me. I never recieved the card and would like this removed from my TransUnion 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 non-monetary relief
Consumer complaint received 12-08-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hi I have written Equifax 4 times about a Incorrect name on my credit report The have listed XXXX XXXX XXXX XXXX XXXX That is Crazy I am a victim of Financial fraud and Identity theft / PLEASE REMOVE " XXXX '' from my credit file. I never had that last name.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (DC).
Issue: Other transaction problem

Complaint: Hello, I used PayPal on  XX/XX/XXXX  to send {$1800.00} to my sister. I accidentally typed in the wrong email address and sent the payment. I noticed IMMEDIATELY and canceled the payment. I re-typed her email address correctly and she got the funds.  <P/> On  XX/XX/XXXX  and  XX/XX/XXXX  my b ank (   XXXX   XXXX   ) cha rged me {$25.00} fees ( {$50.00} total ) because PayPal was continuing to attempt to take out the original {$1800.00} I sent to the incorrect person. Because I cancelled the payment immediately, I assumed that meant  XXXX  things :  ( 1 ) the person on the receiving end would no longer get this money and ( 2 ) PayPal would not take  this out of my bank.  <P/> The latter of the  XXXX  is not true. When I called PayPal, they said they could not stop their system from attempting to take money out of my account. They said it automatically attempts to take it out twice. This means all people who do not have sufficient funds for accidental payments they cancel will automatically be charged unnecessary banking fees because PayPal does not make this clear to consumers when they cancel their payments in their system. They are also hurting their users by automatically extracting funds from cancelled payments twice. This makes no sense to a consumer. If I cancel a payment it means I BOTH (  1 ) no longer want to send the money to the receiver and ( 2 ) I no   longer want these funds taken out of my account.  <P/> This has been an extraordinarily disappointing circumstance.  <P/> Thank you!    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; Please help and intervene and take over this process. SPS has placed my mortgage resolution in to a cookie cutting process that does not appear to be sensitive to my unique circumstances. The fraud in XXXX mortgage origination and XXXX modification. 

Origination : XXXX did not disclose that the mortgage was not economic ; The P & I is less than the taxes. Who buys a house to pay taxes? A home is purchased as an investment and not expense. 

I was given XXXX mortgage to conceal the true leverage for XXXX. I thought one was a credit card. 

Modification The XXXX XXXX XXXX modification did not provide a reduction in principal and interest. 

The P & I after modification was higher that at the origination. 

The modification did not provide a principal reduction. 

I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as XXXX XXXX XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX. 

I invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to a major cardio arrest in XXXX. XXXX. 

I believe that I was defrauded by XXXX at the time of my mortgage origination. 



An uneconomic and irrational payment structure. 
My mortgage principal and interest is less than my monthly property taxes and insurance. 
After a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. 
My Principal Balance today, XXXX, after 16 years is higher than it was in XXXX. 

Reccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. 

Please assist me in receiving a debt " cram down '' valuation base of my history for the mortgages. For example, my total payment from XXXX to XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Getting a line of credit

Complaint: I applied for a personal line of credit  at Wells Fargo  on  XXXX   XXXX  over the phone and received a letter of denial that shows my credit of  XXXX  from  XXXX  on  XXXX   XXXX  but the credit monitoring service that I pa y Wells Fargo for clea rly shows that my   XXXX    score was  XXXX  in  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 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Using a debit or ATM card

Complaint: I opened an account last year, the lady that opened my account took mmmmymymmy information and okayed it just to find out that she opened it knowing it a check I received was a check drawn on wells fargo and finalized it just for it to go agaiinst mee plz helpinst me and my credit, plz 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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Capital One NA claim that I owe a mortgage amount of {$120000.00} within my credit report. Capital one is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which capital one reported back in XX/XX/XXXX within my XXXX credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX XXXX correct documents when capital one reported it CLOSED/CO. Capital one started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. Capital one is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Saw a hit on my credit bureau from a collection company. I called the number and was told they were collecting for XXXX XXXX. I advised that the debt was not mine and I had never received notice of debt before going on my bureau. They told me they had the wrong address which is why they did not notice me. I told them to remove debt and they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Well I graduated from XXXX XXXX XXXX XXXX XXXX XXXX, MD back in XXXX XXXX. But after I graduated from XXXX XXXX, I was told by a Collection Agency as well as the XXXX that I owed the school {$5300.00}. The XXXX XXXX XXXX financial aid department stated when I arrived to my last semester before graduating that they had all students sign this form stating that from the year XX/XX/XXXX -XX/XX/XXXX, that the students did not have the initial funds to continue their XXXX XXXX degree. Therefore, multiple temp credits were released to cover the expense. But my question to the financial aid department and to XXXX XXXX was if we as students did not have enough money to proceed with the XXXX program why were n't we informed before proceeding with this 2 year degree? Some one in the finance department had to have known right? This did not even include the actual government loan that was generated. I owe the government XXXX in back money for going to the XXXX XXXX XXXX for graduating with an XXXX Degree. Also, The school did not help me with job placement in my field of study nor am I working in my field of study. I tried many of times to contact someone in reference to my issues with XXXX XXXX. But Unfortunately, I was unsuccessful in my efforts of beating this issue. I tried seeing if my credits were transferrable, but they were not due to the college that it was illustrated by all students across XXXX. ( Note : The XXXX XXXX XXXX stated that the temp credits were to assist in fronting money for all students who could not afford their education, they tacked this so-called credit on to students and now the institution claims they did not do this action any longer. Well if they did do this from the very beginning of my college courses, then what was the purpose of the governments FASFA program that all students applied for and where did the FA money go?

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 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 information incorrect

Complaint: Ive called TransUnion on several occasions last time was this past Tuesday XXXX and I have sent multiple letters asking them to remove inquiries on my report that I did not authorize but they are not doing absolutely anything with regards to my request.

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The United States Department of Education/Nelnet is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old. At no time, have I ever had any written correspondence from United States Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Oportun Financial Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This debt collector, XXXX previously calls Progresso Fiananciero, calls 5 or more times a day from different numbers. When I have answered and explained my situation they always force me to make a promise payment, and when obviously it is n't kept they note it as a broken promise and pretty much throw it in your face and against you. I 've expressed my apology to failure keeping my loan on track when i understand i commited myself to it, yet they will tell me. " Well you compromised to the loan and your are not complying '' Recently they contacted multiple times my references who i was told were only for reference purposes. They are fustrated with me already. I am facing a nerve breaking point full of stress and i cant do it anymore. Help im tired of their harrassment asking every time why haveny i paid. I explained my grandmother passed away, my mother due to that faced health complications. During this time i faced a cut of hours at my job. To top things we had to leave our home because it did n't comply with city safety regulation. I turned homeless for a short period and they dont seem to understand that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Again, Chase Bank deducted NSF fees very late in the next morning!! My check from XXXX ( pension ) was recorded on XXXX/XXXX/2015 and when I checked at XXXX ( XXXX/XXXX/2015 ) everything was o.k. XXXX no deductions from my account ). However, when I checked again this morning ( XXXX/XXXX/2015 ) they had delayed deducting some of my checks until XXXX/XXXX/2015 and yet said that the checks were from XXXX/XXXX/XXXX, causing a NSF fee. This is, again, a rip off of customers that Chase uses as a tactic to receive millions of dollars a day unfairly from their customers! This is the 4th time that this has happened to me and the 2nd time this week. They had said a couple of weeks ago, that this illegal tactic would be rectified, but they have not either rectified ORr they are delaying rectifying this until they continue to collect millions upon millions more or they are not going to change this dirty, money grabbing tactic like they told CFPB or in a letter to me! There should be a class action suit for hundreds of millions of dollars in regards to the continuance of this dirty tactic!!! I coluld see why Chase has one of the worst records when it comes to complaints. I was originally ripped off about {$700.00} a few years ago, but I complained to an assistant manager and he proclaimed he was going to help me, but I went back several times to talk to him, but nothing ever happend and I was unfairly out of over {$700.00}. The Chase assistant manager was a big phony and did n't do a thing for me like he said he was doing!

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: On XX/XX/XXXX, someone broke into my car and stole my personal belongings, in which included my social security card and drivers license. With this information, they were able to authorize the following companies to make credit inquiries and or open up multiple service accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all in XXXX, GA. I did not authorize these companies to put an inquiry on my credit account and would like these inquiries removed. As far as I know, the only account that was opened was with XXXX on XX/XX/XXXX and since then has been disputed. My ultimate goal is to be able to purchase/finance a car, but in order to do this I would like to first remove all unauthorized credit report inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Billing disputes

Complaint: Complant on XXXX bank Captial One bank at some time credit card was not in my on me I sent letters to banks to let them know I do not have credit cards on me never did they ask for payment late charges and keep on miss information with credit information.

Company response to consumer: Closed with explanation