milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: To whom  it may  concern, I faxed over a letter   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     in order to dispute information, in regards to a collection with  XXXX   XXXX  that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request   XXXX   XXXX   XXXX    . The request I submitted was a collection that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be   investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for this collection with   XXXX   XXXX   being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: RE : PORTFOLIO RECOVERY / XXXX XXXX XXXX XXXX Acct : XXXX Dear Sir or Madam : I am continually being called on the telephone and have received letters concerning a debt that is not mine. I requested that CEASE and DESIST in their efforts to collect on the above referenced account. I am a victim of Identity theft, therefore the account is not mine. But Portfolio continues to call and harass me. I request that the CFPB demand that Portfolio CEASE and DESIST ALL collection activities. According to the practices and standards of the FTC FCRA and the FDPA. Portfolio has NOT verified this debt, which according to the FCRA is : You will see by the attached credit reports where there is NO XXXX XXXX XXXX  account. Portfolio claims to have documents proving this is my account, yet none of the documents had the following information that is required by FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account ( s ) I disputed. 
Being that they have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly Delete ALL information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 
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 11/27/2015 about Payday loan () with High Point Asset Inc (FL).
Issue: Applied for loan/did not receive money

Complaint: I recevied a call on XXXX XXXX, XXXX, stating that i owed on a payday loan from XXXX. The name of the company was High Point Asset. The customer service preson told me that I had an outstanding payday loan balance from XXXX that I did n't pay. I have taken out payday loans in the past, but they were always paid back via my bank account within weeks. The peron advised me that I owed XXXX and that it steams from the original amount of XXXX that I owed on the payday loan as it was purchased by different companies. The person told me that they have tried serveral times to draft this money from my bank account, but they stated that my bank account was closed. Which is true, I closed a bank account in XXXX of XXXX. They told them I have always paid my payday loans back and i have only had payday loans with the company XXXX XXXX XXXX. I do recall apply for a different loan with a different company, but I never completed the application. The person told me that it could be from that application. I did ask for proof of the debt, but was advised that the company tried to contact me via email and that they do n't contact people by regular mail. They also told me if that if i didn ; t accept the debt that they would put me as refusal to pay. I did tell them that I would pay the debt, although I do n't think that I did n't believe that I owed them any money. They wanted to set up a payment plan for me to pay just XXXX of the debt as they would knock off XXXX from it if i entered into a payment program. I did agree, but something didn ; t feel right, so I ended the call. No new banking information was given to them. I contacted my bank to pull my transaction records during this time period for verfication. I was told that if i went court with my bank reocrds it would not hold up in court because the funds could have been given to me in cash. I have never received a payday loan in cash before.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Equitable Acceptance Corporation (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I spoke to an agent over the phone XXXX XXXX and sent out letters to the companies to delete inquiries that are not mines on my report. The agent would not help me and I did not get a response from the companies in writing, it been 45 days. 
XXXX XXXX XXXX XXXX Equitableacc XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Am Rent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit card () with JPMORGAN CHASE & CO. (NV).
Issue: Transaction issue

Complaint: I went to a local business in XXXX, Nevada ( XXXX ) to pay for a service rendered on a ring. When I tried to pay with my Chase-XXXX Visa credit card I was refused because the company said they will not accept a credit card with rewards. They said they require a minimum of {$20.00} to use a credit card and it can not have rewards. My fianc had to use her card, which was embarrassing. Then the company said they needed to write down her drivers license information when using a credit card. This worries us greatly from a identity theft aspect. I contacted VIsa and was told to register a complaint because neither of the XXXX requirements was not allowed when making a purchase in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax shows a Bankruptcy and a Tax Lien on my credit report. I do not have ANY Bankruptcy or Tax Lien. I disputed the information with Equifax. Equifax said they had investigated the information via a third party and the information belongs to me. It listed XXXX as that third party. I contacted XXXX to see what information if any they had on me and I filled a disputed with them. The investigation was completed. I received a copy of the investigation and was told " Your recent disputed information with XXXX. We have completed our investigation and the disputed information in your XXXX report has been modified or deleted where applicable. I sent the XXXX investigation letter to Equifax but the negative sill appears on my credit report. Letter was sent XX/XX/2016 via USPS certified mail. Letter was signed for on XX/XX/2016 at XXXX, and I am in possession of the return receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Debt collection (Medical) with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: First, I never signed a contract or owe any money to portfolio Recovery Associates, I have no knowledge of this company other then what has fraudulently been reported on my credit report. In further investigation of this case it appears that they attempted to sue me in a county that first I did not live in nor did I live in it during the time of the original debt. Also the address that they attempted to use as my address was not even a relative of mine. I was never properly notified of any hearings, and even if I had been notified of a hearing the county that they filed had no jurisdiction over the case at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: On   XXXX   XXXX   XXXX   I was approved for a property tax deferral by the Oregon Department  of Revenue.   This program is for seniors and people on  XXXX  below a certain income level. Under this program, the state pays the property tax to  the county  taxing authority. The tax and interest are due to the state at the time the property is sold.    Wells Fargo Home Mortga ge is the mortgage holder on my house. My   XXXX   XXXX   payment was reduced from {$1100.00} per month to {$870.00}. At that time I was also issued a refund of {$2500.00} from  Wells Fargo  for the overpayment I had made to the escrow account. for property tax.   Since t hen Wells   Fargo has made multiple  attempts to collect property tax from me, claiming that I owe them for property tax. On   XXXX   XXXX   XXXX   I received an email  from Wells Fargo stati ng that the payment they received on   XXXX   XXXX   XXXX   for {$870.00} would not be credited to my account because they had increased my monthly payment amount by {$560.00} per month to {$1400.00} per month for my 30 year fixed rate mortgage. " ... Since we 're unable to make partial payments to the loan, we 'll hold these funds until you make the rest of your payment ... '' No changes have taken place with my property tax deferral. It is not due for renewal until the   XXXX   tax year.  Wells Fargo has  not paid property tax for  XXXX . They will not pay property tax for  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 non-monetary relief
Consumer complaint received 11-08-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I 'm currently applying for a loan modification & have been approved for a trial modification twice. 

XXXX Ocwen approved for trial payment of XXXX. 

I declined & applied again asking Ocwen to consider the ( Full Appraised Certified Value ). 

The appraisal was obtained on the suggestion of Ocwen in XXXX. 

Ocwen again approved the trial modification in late XXXX Payment XXXX The payments are based on a BPO ( Broker Price Opinion ) of XXXX XXXXXXXX this was done in XXXX. 

Another BPO was done in XXXX $ XXXX A certified appraisal with color photos on XXXX/XXXX/XXXX with a value of XXXX  XXXX was uploaded to Ocwen. 

Ocwen also did a exterior appraisal on XXXX/XXXX/XXXX value XXXX XXXXXXXX Ocwen has yet to consider the analyses of true value of home. This appraisal as of XXXX/XXXX/XXXX has not been reviewed. 

Ocwen 's front office is very kind they have assured me on multiple occasions that they will have the Full Appraisal Analyzed & compare To The BPO. 

Full Certified appraisal was uploaded on XXXX/XXXX/XXXX Ocwen instead ignored the Full Certified Appraisal & elected to get another BPO on XXXX/XXXX/XXXX I have been extremely proactive & have spent many hours asking Ocwen to consider the Full certified Appraisal or Send their own XXXX & I will pay for that XXXX as well. 

As of this complaint all we have now is a call with the Relationship manager on XXXX XXXX. Whom is extremely friendly & sincere. 

Based on Ocwens value they perceive the value to have gone up $ XXXX in a years time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I called Transunion on XX/XX/XXXXin regards of an account on my credit report that was reporting accurately. They told me to send in proof of payment. In which I faxed to them the letter from the creditor stating the account had been paid. I received a letter from Transunion dated XX/XX/ stating that the information they are reported is accurate. I sent Transunion the paid in full letter and they still wont update my credit report and thats all I wanted them todo.

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 10/31/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Credit decision / Underwriting

Complaint: Chase Bank foreclosed on my home located XXXX XXXX, XXXX XXXX, Il XXXX loan # XXXX. The XXXX demolished my home before any foreclosure proceedings and I have been informed that Chase authorized XXXX to demolish my home which violated my rights as a homeowner. Additionally, Chase has failed to properly update XXXX Neighborhood Watch System with the foreclosure dates. Since they have refused to properly update XXXX System, they are preventing me from purchasing a new XXXX financed home because XXXX system states that the Chase loan is still active or open.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Bank account or service (Checking account) with STATE FARM BANK, FSB (PA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015 I was arrested and sent to XXXX XXXX XXXX, While I was XXXX a lot of Fraudulent activity on my account, State Farm Bank was aware of my incarceration and they did not monitor my account properly : On XXXX XXXX, Multiple XXXX XXXX Transactions in the amounts of {$1400.00}, XXXX XXXX, XXXX transactions in the amounts of {$310.00}, {$160.00} were issued on XXXX XXXX, On XXXX XXXX I was issued an Affidavit and it was sent to the XXXX XXXX XXXX which I filled out and sent back, and a block was still not put on my account and I asked them not to issue me another debit card until my release from XXXX XXXX XXXX. My funds were replaced in XXXX it happened yet again, I was released on XXXX XXXX after accessing my account online, I went into online chat and was told that I would have to file a Police Report and that State Farm Bank does not have the manpower to monitor each individual account, other than that there is nothing that State Farm Bank could do for me. When I called Customer Service they stated that they issued XXXX debit cards without my permission and a card with my pin number on it. Contacted State Farm yet again with regards to this matter because I received a letter XXXX XXXX stating that my account is overdrawn and there is a block on my account, No transactions into or out of my account and my New Debit Card can not be activated, I have children and bills in my household that need to be paid. Where was this block on my account, when I really needed it?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've disputed this information 5 times already with the XXXX and I 'm receiving letters stating that they will no longer investigate even though I am providing clear and detailed information on what I am disputing, reasons and inaccuracies. I 've even included the actual figures on the reports that are inaccurate and month and after month nothing changes! How is this even legal??? 
*Please see letter attached for account disputes *I 've included credit report for comparison of disputes vs. reported information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Vehicle loan or lease (Loan) with MERCEDES BENZ FINANCIAL SERVICES (SC).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I was purchasing a truck from XXXX XXXX  XXXX XXXX XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. It was a XXXX XXXX XXXX. I also purchased a extended warranty at that time, and got the gap insurance to.I put {$3000.00}. down on truck.Truck was financed through Mercedes-Benz financial. Extended warranty with XXXX. I have got all my paperwork. I ( XXXX XXXX ) was driving back home to XXXX, SC on the way I had lights going off on dashboard. I called and text XXXX about this, he said keep driving it because of truck sitting. ( i got my textes ) i kept going, got truck home and loaded it up getting ready to go to XXXX GA got a job with them owner operator.When i got ready to go on the XX/XX/XXXX truck would n't crank. Text XXXX, but i got a jump and went on to XXXX. On XX/XX/XXXX took truck to XXXX get a DOT inspection for XXXX XXXX. Truck did n't pass. Needed brakes.I got it fixed.I have not even pulled my first load at this time. Then on XX/XX/XXXX had problems with truck took truck to XXXX XXXX, XXXX machainic called Mercedes and was going to get approved to do work through insurance and they stated i did not have insurance. We all XXXX and myself was looking at paperwork and said i got prove of insurance and could fax it they said no. I had to pay out of pocket.XX/XX/XXXX back in shop again, called Mercedes they still say no insurance out of pocket again. XX/XX/XXXX had to get truck worked on again., had to pay out of pocket.XX/XX/XXXX-XX/XX/XXXX back in shop.XX/XX/XXXX in shop. XX/XX/XXXX in shop. XX/XX/XXXX back in shop,XX/XX/XXXX in shop. Each time i would call Mercedes about truck being in shop, I could not keep making payments and paying for truck in shop, Mercedes finanly said get truck out shop and i could catch up on payment. I did and the week i got truck out they said make payment are they was going to repossess truck, I tryed making half payment they would not accept it. They said bring truck and turn in. I took truck to XXXX NC and called Mercedes and told them where truck was. I talked to them, Mercedes said since i turn truck in it would not go against my credit but it did. I paid out over $ 11,000.on my truck, I paid for a warranty and was making my payments, I could not afford both. I lost my job because truck staying in shop all the time. I lost my truck and my job, and got a repossession on my Credit. How can i get this off my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I went to see a financi al counselor   i  n  XX/XX/XXXX  who reviewe d my credit report with me. I became aware of a fraudulent collection ( that I have since gone to court to r emove ) a n d two fraudulen t credit cards,  one from Barclay 's Bank  an d one from   XXXX   XXXX   XXXX   . According to my credit repo rt Barclay 's was   opened in   XX/XX/XXXX  and closed in  XX/XX/XXXX   with no reported payment history.  XXXX   XXXX  was open ed  XX/XX/XXXX  and closed in  XX/XX/XXXX  and it looks like no payments were made according to my credit report. I have never had   either of these cards and only became aware of them from looking at my credit reports. I have repeatedly called both banks to report the cards as fraud and they will not remove them. I also sent a dispute letter to the credit bureaus to remove these accounts and they left them on. I have filed a identity theft report with the fair trade commission that I will attach to this complaint. I have also visited my local police precint to report ID theft but the detective was not helpful. All the other accounts on my credit report have always been paid on time. I need th ese two cards remov ed since they are not mine and I would like to purchase a home soon and need my credit repaired.

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 08/16/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MO).
Issue: Problems when you are unable to pay

Complaint: I am making {$100.00} payments to Springleaf Financials lawyer, XXXX XXXX XXXX, XXXX. I was unaware I was being sued when I called to set up the payments last month after getting behind. This month, Springleaf closed my account and I was served papers on Sunday. The original amount financed was {$3100.00}. They are suing me for sum of {$4200.00}, less interest of {$780.00}, less insurance of XXXX + attorney fees of XXXX with a CONTINUING RATE OF INTEREST OF 35.99 % UNTIL PAID.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2016 I submitted a certified letter to Equifax disputing XXXX inquires on my credit file that are not mine. " XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, & XXXX ''. I received a response back from Equifax dated XXXX XXXX, 2016 that basically states the inquires will remain on my credit file. Equifax failed to provide me with any information that an investigation was conducted or evidence was obtained from these companies that I authorized them to pull my credit. I do n't have any business dealing or business relationship with any of the XXXX companies I have listed. Nor have I given them authorization to pull my credit. I am requesting that Equifax remove the incorrect information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My local bank sold both our primary house mortgage and our investment refinance to Ditech. Since then, Ditech has continuously misallocated our payments, added extra money on to our principal amount, and failed to correctly record payments. We have been enduring this nightmare since XXXX 2016 and it has gotten way worse since Ditech changed its payment system. Now there are continuous errors. We just looked at our principal balance and they have just added over a XXXX dollars to the principal in spite of our regular timely payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation