milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is my third time reporting this company who has yet to reveal any information to me as to the detailed itemized charges. according to the fair credit reporting act this information must be disclosed to me prior to any reporting agency. I never recived any thing from this company. The federal law states that I must have been provided a detailed statement of the charges before reports are made in regards to my character. ( FCRA 606 ) I have spoke with experian in this regard. there claim was that the debt was verified. however the agency must procure procedures to assure accuracy of the information ( FCRA 607 b ). experian has failed to do this and refused to let me dispute the item saying i didnt have any new info.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AL).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I opened an account with Lowe 's in XXXX while building my last home. In XXXX, my home burned and in XXXX I began the process of building another home in it 's place. After the fire, my wife fell and XXXX XXXX XXXX XXXX XXXX XXXX, requiring her XXXX XXXX XXXX and resulting XXXX. She was without income while awaiting XXXX for over a year, but I continued making my payments on time. I had no choice but to use my credit card often while building our new home due to the loss of her income. ( She was a XXXX XXXX for over 20 years. ) In XXXX, XXXX I had a XXXX XXXX XXXX XXXX XXXX, which resulted in a XXXX XXXX XXXX XXXX XXXX XXXX and suffered a XXXX due to a XXXX XXXX XXXX XXXX XXXX. I received XXXX at XXXX in XXXX, AL and have recovered from the left sided weakness. But, the cognitive damage was so bad that the psychologist for the XXXX recommended XXXX for me as well. Later, in XXXX XXXXSynchrony Bank reviewed my credit report and increased my APR from XXXX % for all purchases prior to XXXX/XXXX/XXXX to XXXX % for all purchases after this date due to a high debt-to-income ratio. My wife and I inquired about the increased APR and were informed the change was based on my credit report. We requested a decrease in the APR due to the extenuating life circumstances we encountered over the past few years and were denied, even though we were never late on a payment. The last denial of this request was XXXX/XXXX/XXXX when we asked for a decrease in APR again, explaining the payments are ridiculous with a XXXX % and XXXX % APR. The " Totals Year-to-Date '' provided on my statement reflects {$2900.00} in interest charged in XXXX. When asked if " any '' assistance/forgiveness was available if we provided our medical records, we were told " no. '' We plan to have our debt consolidated when possible, pay our XXXX XXXX account in full and then close the account.

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 10/22/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TX).
Issue: Managing, opening, or closing account

Complaint: RushCard went through a technology transition which has myself, as well as XXXX other people, without access to our funds. We have been waiting for the past 10 days for my direct deposit. My wife has been keeping up with the updates posted via social media incessantly. We have tried contacting customer service, but after holding for literally hours, we are disconnected. We spoke with XXXX representative on XXXX/XXXX/15 and we were told that she saw our direct deposit but there was nothing that she could do about ; we simply have to wait until everything is fixed with the glitch that occurred. 

We are a family XXXX We have tried contacting our utility service providers to explain our situation, but many are unwilling to work with us, especially since we can not give them a date as to when will be able to make a payment. 

We have tried every avenue suggested XXXX ' and RushCard 's social media and we are still waiting to be contacted. We have been to the ATM, as suggested, and my account says {$0.00}. The automated and online system also say {$0.00}. Even the money that was on the card before the transition is missing. 

We have been unable to buy food and gas. I had to borrow money from my boss to simply be able to get to work. We have been to the food pantry to get food. All of these things have terribly embarrassing, especially considering I work to provide for my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2015 about Debt collection (Medical) with AR Resources, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a patient of XXXX XXXX XXXX for several years and received care on a monthly basis. We had a disagreement about the medications I wanted and they terminated me as a patient. Over the years, each month they would bill XXXX and my medical insurance and receive payment for their services. When they terminated me, somehow they decided to bill me direct. They should have billed XXXX and my medical insurance and they would have received payment. I sent them a letter informing them to bill XXXX and my medical insurance and gave them the appropriate information for this ( see attached ). 
I should n't have to pay them for a mistake they made!

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, paid off the existing loan on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. OCWEN Account Number XXXX. OCWEN has since has refused to file a reconveyance deed showing the loan has been paid off in full. I have talked with them, telling them the law states they have 60 days to do so. They said they did not have to because they had sent a letter to me stating that the loan was paid off. Because this loan still shows active, it is causing me a problem on future refinancing. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX date : XXXX XXXX, XXXXXXXXXXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2016 about Debt collection (I do not know) with Crown Asset Management, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter dated XXXX XXXX, XXXX from a company called XXXX XXXX XXXX. They claim to represent Crown Asset Management LLC. They list an original creditor as XXXX and an account ending in XXXX. They say I owe {$740.00}. I feel that this is incorrect as I have no Creditor known as XXXX. This does not appear on any of my current credit reports as an account. If this is my account I am sure it is old and past the statute of limitations in the state of Tennessee or perhaps it was an old account included in a bankruptcy I filed in XXXX. To summarize I feel that this is a non-collectable debt and I deny any and all responsibility for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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: I contacted all 3 credit bureaus and provided my identity theft packet and police report detailing fraud on my credit. Both XXXX and XXXX blocked the fraudulent account ( XXXX XXXX Credit Card ) within 4 days. Equifax, however, filed a 30 day dispute upon which the data furnisher ( XXXX XXXX ) " verified '' the fraudulent account as mine. During the process of the dispute I spoke to a manager in the fraud department with a heavy accent in XXXX that indicated the fraudulent account would be removed because a police report had detailed the fraudulent account after the 30 day dispute was complete despite the data furnisher verifying the account or not. However, upon calling back I was told by several representatives that only another 30 day dispute could be filed since the data furnisher " verified '' the account and that it would be up to the data furnisher to decide to remove the account from my credit profile. This is a direct violation of Section 605 B of the Fair Credit Reporting Act that states that any fraudulent information resulting from identity theft shall be blocked within 4 days by the credit bureaus upon receiving from the consumer a police report detailing the identity theft. Equifax filed another dispute ( Confirmation # XXXX ) and refuses to comply with federal law, specifically the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Consumer Loan (Vehicle loan) with Moritz Partners L.P. (TX).
Issue: Problems when you are unable to pay

Complaint: XXXX XXXX call people about their car payments and and if they ca n't get in contact with the customer they will call references and Neighbors and give out personal information also they will offer the customers friends and family money to help them look for the car if their account is delinquent. They will also run credit bureaus on customers several times a month also if there is a third-party driver that is driving the vehicle that is not on the contract they will run credit reports and social searches on that third party and the third-party driver did not sign any kind of release to run their credit information

Company response to consumer: Untimely response
Consumer complaint received 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Management Control, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I had no idea I had an outstanding debt with XXXX. I did not once receive a call or email in regards to this debt. I believe this is a debt collector from XXXX, in which they ( XXXX ) has always kept my up-to-date contact information. Therefore, I would like to respectfully dispute this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/26/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX shows up on my caller ID number XXXX calls all day and night to connect a credit card debt owed to bank or America. I answered two times both times explaining i am now out of work and will pay ASAP but ca n't do anything to i get another job which i am actively searching for. They told me that 's understandable and asked if they could check in from time to time. I replied fine but do n't call me more than maybe once a month which was agreed on. Ever since then from XXXX XXXX till XXXX XXXX  everyday i recieve countless calls harassing me about the same thing and everytime i ask for this to stop they say it 's not possible. I tried everything but they wo n't allow any peace at 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 non-monetary relief
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Closing on a mortgage

Complaint: I have a loan through DiTech, who is servicing my current mortgage. I am in the process of refinancing to another lender. That lender requested a payoff from DiTech 9 business days ago. I called DiTech and they acknowledged they received the request 9 days ago, but appear to not have an answer why they wont provide either the lender or myself a payoff amount. I have submitted a request online and via phone with DiTech as well. I can not access that information on their website ; the message on the payoff tab says " unable to process ''.
The co-lender on the loan, my ex-wife, filed bankruptcy years ago which affected the estate. That bankruptcy has since been discharged in the courts by the Trustee and the Judge. DiTech has been notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I need validation of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: In  XXXX   2017   , I applied online for a   XXXX    position in  XXXX   XXXX , TX. I was interviewed by phone and was hired to   XXXX   XXXX   XXXX   XXXX  . The owner,  XXXX , stated he needed the   XXXX   XXXX   prior to his arrival so he would be mailing me a check for my 1st week of payment. On  XXXX   XXXX     2017,  I received a check for {$2400.00}. I called the owner and he explained that {$400.00} was my advance, {$50.00} was for   XXXX  supplies,  and the remaining {$2000.00} was for the realtor as the key would not be released until payment was received. I was given the realtor 's bank account information and told to deposit after I withdrew my portion. On  XXXX   XXXX , I walked in to  Navy Federal  and spoke with  XXXX     (  teller ) and explained to her that I was afraid the check  may b e fraudulent.  XXXX  stated to me that she would go ahead a place a hold on the check to ensure that it cleared. She advised to check my account in  2  business days, if the funds were available then the check was legitimate and had cleared. To my surprise the funds were available on  XXXX   XXXX , so I went in and withdrew the funds. The same day I went into the realtor 's bank  (   XXXX   XXXX   XXXX   ) a nd deposited {$2000.00} in cash to account number  XXXX   XXXX   XXXX . On  XXXX   XXXX , I noticed my  Navy Federal CU acc ount was negative {$2400.00}. I called in to the contact center and was told that the check came back as fraudulent. I immediately filed a police report with the  XXXX   XXXX  Police Department  (  case #  XXXX   ).  I have provided  Navy Federal CU  with all the documents they have requested including a copy of the police report, however, the issue has not been resolved. If  Navy Federal CU  had not allowed the funds to be released, I would not have proceeded any further and we would not be in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems when you are unable to pay

Complaint: Wells Fargo Bank Auto Finance agreed to cancel two scheduled payments forXXXX XXXX and XXXX XXXX, 2015 in response to Consumer Financial Protection Bureau case # XXXX. Instead, they collected {$1300.00} through bankadjustment from my Wells Fargo checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Mortgage (VA mortgage) with LoanCare, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company is Loancare LLC out of XXXX, VA. They received my payment on XX/XX/2017 but returned it for insufficient funds. I know for 1000 % that the money was in my account and the bank never charged me an overdraft fee which would have happened if the check was truly returned. I 've emailed them but I 'm not expecting a response due to their track record online. SHUT this company down. How many bad reviews do they have to receive before someone will do something? I am literally 2 months into my very first mortgage and already having issues with them.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (ME).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/17 I was flagged on XXXX XXXX that I tried opening an Amazon card through Chase. I had not done this. So I immediately called Chase and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/17 the same thing happened. So I again immediately called Chase. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back Chase and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called Chase and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called Chase and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. Chase is in no way concerned about this and it 's fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I discovered an XXXX unknown medical accounts on my TransUnion credit report back in XXXX 2015. They are both from XXXX. I sent a letter to XXXX XXXX XXXX via certified mail on XXXX XXXX, 2015 and it was received on XXXX XXXX,2015, requesting validation and have n't received a valid response. I sent a dispute to TransUnion XXXX XXXX, 2015. TransUnion responded in a letter dated XXXX/XXXX/2015 that they Verified, no change to both accounts. TransUnions refusal to properly investigate is a violation of the FCRA and FACTA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I see XXXX pulled my credit and I never authorized this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: XXXX Account is frozen without reason for almost 3 months ==== We set up a PayPal business account for non-profit in XXXX XXXX. Since then, we have use it for online donation and money transfer to bank account or other PayPal accounts without problem. 

Since XXXX, the account was put into account limitation state and could not transfer money out. Starting from XXXX, the account could not even receive money. As such, we can not accept online donation. Currently there is about XXXX in the account. 

PayPal compliance department requested 4 pieces of information on XXXX ( see attached ). Due to some technical issues probably in PayPal side, we did n't receive any related emails from PayPal in our 3 email accounts registered in PayPal. Once we learned the situation through other channels, we provided the requested information on XXXX. 

Again, no further email or phone call was received from compliance. Only after calling to Customer Service, we learned that additional information was asked. We provided that on XXXX, XXXX and XXXX. 

According to customer service, the review process started on XXXX. 4 weeks have passed and we have received no information on its progress and its conclusion. Through multiple phone calls to customer service, this case had been escalated various times. But this does not seem to have any effect. 

Based on a recent class action lawsuit settlement, PayPal is required to provide the reasons for freezing an account. We have received none. In the call to customer service on XXXX, a ticket is filed to request that. 

As a long time customer, our ability to conduct normal operation has been severely affected by PayPal action to freeze the account for almost three months, even after all the requested information has been provided. This kind of assets seizing without court order is problematic in legal and business sense. It is unimaginable for a regular bank doing so without facing consequence.

Company response to consumer: Closed with non-monetary relief