milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX and I have mortgage with Ditech Financial. First, I to express that is not listed on my credit report because they stated that they do not have to report to the credit bureau because it is a line of credit. Then, I ask for a modification, which they offer me XXXX but it only for a year and starting the second year it will go back to the same interest rate which is XXXX and the modification was a XXXX. So I did n't accept because that was defeating the purpose. They also keep sending me a letter stating that I am eligible to waive my late fee but when I call they said I 'm not but I do n't have equity in the home and Im under water because I owe XXXX but the house only worth XXXX. 

Can you please help?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am an Equifax security breach victim.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Payday loan) with Enova International, Inc. (DC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was sent emails about a debt that they claim I owed to XXXX.com. I responded back that I am willing to clear this debt if I can make installment payments. They said if I could make a payment ASAP they would settle for XXXX of what is owe. The issue I had was that I asked for official documentation stating the original amount of the loan and how much is owed. They could n't give me the information until after the amount settled for is paid. And another thing they wanted me to send money my XXXX to an " employee '' instead of to the company,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Contacted Navy Federal Credit Union on Saturday, XXXX XXXX, 2015 to set up my mortgage payment for XXXX. Received rude, unprofessional and unethical treatment from a Mortgage Collection 's Rep by the name of XXXX. I placed a call to them to set up my payment - half of it was to be scheduled on XXXX XXXX and the remaining portion on XXXX XXXX. Was advised, in a rude and unprofessional manner, by XXXX that I could not set up my payment. I asked if she was trying to force me in default and then she placed me on an excessive hold while she went to discuss my arrangements with a supervisor. When she came back to the phone she said she could set up the payment as I requested and I asked to speak with the Supervisor that she consulted with regarding my situation. She refused to transfer the call, saying he was in a meeting. Ultimately, I was able to schedule my payment but I should n't have to put up with this type of treatment. I should add that I have never made a payment more than 30 days late on the mortgage that has been with Navy Federal for many years now. If additional information is needed, please contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: please refer to complaint # XXXX. Chase admitted fraudulent use of my identity regarding the Amazon Visa application ; I was told in writing that the fraudulent inquiries would be removed from the XXXX CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by Chase dated  XXXX/XXXX/2017. What 's going on? Why is Chase keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I cosigned a Apt . From XXXX of XXXX Az. Tenants did reside at property for 30 days, as the Air Conditioning Unit required replacement after several visits to have handy man rig it, and water pouring from ceiling into hall way, laundry room, flood Apt out.XXXX finally realized unit was beyond repair, eventually they had no choice was replaced. With over {$1100.00} deposit heat was unbearable lease was broken, I assumed we were even as they kept my deposit, and then placed a Judgement in the amount of {$500.00}. 
When I applied for a Condo and credit pulled that 's when I when I became aware of this judgement against me from XXXX. I immediately contacted them and visited their office to rectify this debt, the Manager suggested he would accept payment in the amount of {$370.00}, I retrieved money 's the nearest ATM and cash was given {$370.00} and I was given a letter that the debt was satisfied and XXXX credit company 's would be notified and info removed, to no avail. I 've contacted ( XXXX ) several times spoke w/ Manager said he 'd look into it and call me back to no avail.He stated he did n't place this on my credit and the Manager that I dealt with had been killed in an accident and is no longer w/ us. 
I contacted ( XXXX ) XXXX/XXXX/2016 spoke w/ manager stated there 's nothing he can do, and did n't place it on my credit he ten hung up on me, and would n't answer my phone calls after I made several attempts to call back. I also a letter to Their Corporate Office ( see attached ). 
I 've never received any Court paperwork concerning this matter and theirs a court case # When I called Circuit Court there 's no court documentation available about this matter. 
I feel as though I 'm being made to pay twice for this 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 non-monetary relief
Consumer complaint received 12/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have asked repeatedly for the company to validate this account. They verified it to the credit bureaus, However they will not provide their method of verification. They have not provided me with the documentation to prove to me that this is my debt and that they are entitled to collect if owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar mortgage i feel discrimated and cheated.They send repeated bills with wrong amounts saying I owe.On XXXX XXXX which is the date my current mortgage amount us due i owe XXXX to get current with XXXX in suspense.9 days later i owe XXXX with only XXXX in my suspense my suspense should not decrease unless they mail it back to me.So my suspense decreases by XXXX and the amount they say i owe increases by XXXX it should be the other way around.Makes me question wheres my money going.I filed for a home modication due to change in income no contact as of yet.I feel cheated and ignored

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have notified Equifax that I was a victim of Identity Theft and I have provided them with a Identity Theft Affidavit. To date, Equifax have not removed these accounts and inquiries within the last 16 months from my credit file. The Release Tax Lien is not mine because I never had a Tax Lien

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds one from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. US Bank NA and XXXX XXXX XXXX XXXX does not have any signed supporting documents such as notes registered at the registry of deeds, because of this US Bank NA and XXXX XXXX XXXX are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I submitted a complaint against XXXX in XX/XX/2015 ( case : XXXX and XXXX ), which was resolved. Now I 've received another attempt to collect on a debt I know nothing about. I am going to send them a letter to dispute their claim and request validation of the debt they 're claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Medical) with Midwest Recovery Systems (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted Midwest recovery several times. I advised them the account was not mine and have sent several verification letters. Midwest Recovery will not send me verification of the debt that 's has my signature NY drivers license or anything I have asked them to verify. They have someone else 's name and it keeps reporting on my credit report. Then I disputed the account and it has taken longer then 30 days since I did the dispute. I also sent a copy of my police report and they are still reporting this fraud 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 02/22/2017 about Credit card () with CITIBANK, N.A. (VA).
Issue: Delinquent account

Complaint: I have been customer with home depot for a long period of time, due to financial issues I had the card close. I am aware of my responsibility that I have to pay the bills in my name. However when the bill was due I drag every change I have in my pocket and everything to pay XXXX $ to meet the requirement of the credit card. I have reached out for help, begged TWICE and was told no they ca n't help me. The representative was not knowledgeable nor empathize my needs of help. I am unemployed lay off, not qualified for unemployment because of company close out bankrupt. So, I have no income until I get a job. There was no empathy he even advise I will rack up late charges and then once it is past due enough maybe i would get help. Thus, jeopardizing myself further into more issues than i am already in.

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 05/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Other

Complaint: My business was approved for a credit card issued by Capital One. When it was approved i specifically asked the rep if this card balance will be reported to personal credit bureau/s. The agent re-assured me because this is a business card they do n't report ... ..Liers!!!!! 
This morning a received notification from my " score watch app '' about some serious changes in my score. It went down XXXX points!!! : ( I was doing all i can to improve it for a house purchase. As you know lenders do discriminate based on credit score. 
They lied to me. My score is down. Lender will punish me with higher rate and worse terms.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX orwww.consumerfinance.gov/learnmore/ to learn how you can request your free U.S. credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with 'XXXX ' who said the site should allow me access to obtain my free credit report. I live in XXXX, am a U.S. citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no U.S. mail service in XXXX. We are moving back to U.S. in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called XXXX XXXX because i was being billed for services up until XXXX but moved out on XXXX. XXXX XXXX told me i had to dispute with online services because they are now collecting on the account. I called in to advise and the representative told me to mail in letter and proof. So i did that. I called back a week later and another representative basically told me that i am responsible for the bill even after seeing the proof that i mailed in.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus. 

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof.

3. XXXX XXXX XXXX/Original Creditor : XXXX XXXX XXXX $ XXXX First time contacting this agency was XX/XX/2017. They sent me a print out but no signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Payday loan) with CURO Intermediate Holdings (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I asked for a letter correspondence so I can use a debt management company, still calling me for payment, and calling family members

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a judgment from  XXXX  that was settle for the amount of {$1200.00} and was paid by  XXXX   XXXX   XXXX  on  XXXX / XXXX / 2003 . My employer was recently served a writ of garnishment from  XXXX   XXXX  firm, on behalf o f LVNV Funding, who  is supposedly collecting the debt for  XXXX . The total amount they say that I now owe is {$5400.00}. I was never served as notification of this suit. Furthermore, on all documents provided to my employer, they included a case number where the first number was eliminated. I was able to find this out by finding the original filing which I never new existed. As a result, my company 's lawyer has recommended that they start garnishment proceedings. This is a bogus and unlawful debt which I am now trying to fight.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/XXXX I learned about the Equifax cybersecurity breach. I visited their website at XXXX to check if my personal data was involved. After entering my information I received the following message, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am not aware of any new fraud or changes to my credit report at this time but am incredibly concerned about the exposure of my personal financial data possibly including my name, Social Security number, birth date, addresses and drivers license number and/or credit card numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In my credit report shows the following hard credit inquiries that have never authorized : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Card ( XXXX/XXXX/XXXX ) XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX ( XXXX/XXXX/XXXX ) Please delete all credit inquiries that I do n't authorized.

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 02/28/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery has consistently called my cell phone number at various hours throughout the day, sometimes back to back but when I answer no one is on the other end. If I allow the call to go to voicemail, no message is left. I discovered that they were calling from various numbers after XXXX the phone numbers. I have contacted Portfolio Recovery asking that they validate the debt that they say I owe through email, certified mail, and phone but to date I have not received anything. This has been going on for several years and I would like them to cease all collection tactics and remove the collections from my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 reported to Equifax an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that Equifax to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get Equifax to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since Equifax has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (LA).
Issue: Other transaction issues

Complaint: Still have n't received XXXX refunds to my debit card for {$5000.00} each back in XXXX 2015 my bank XXXX says they never received them after I contacted PayPal to get the tracking numbers and gave it to them they still could n't find them. I would like a cashiers check or official checked mailed to me to the address on file immediately or I 'm going to sue this company for XXXX in punitive damages and emotional distress!

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: I received an email message from Capital One on XX/XX/XXXX indicating that my checking account had been over-drawn. I logged on to my on-line account and realized that Capital One had debited my account with a check belonging to another account. I immediately sent an automated message to dispute the transaction. The following day, I called customer service to follow up since I had not received a response. The agent reversed the overdraft fee but indicated that the actual transaction would not be reversed for 2-3 days. 
I again followed up on day 3 and then was told that the reversal would not take place until XX/XX/XXXX. The customer service supervisor did indicate that he would " temporarily '' reverse the debit so my funds would be available to me. The incredibly disturbing issue with this entire transaction is the fact that I am able to see an image of the check written from a different account ... routing number, account number, customer name and address, etc ... a complete lack of security. What would stop this error from occurring again with one of my own checks being debited to a stranger 's account, allowing them to easily obtain my personal information. Capital One needs to put immediate corrective actions in place to avoid errors like this and to avoid breaches of security.

Company response to consumer: Closed with explanation