milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This company has a judgment on a credit account that they bought from XXXX of my creditors. In addition, I have not given them any personal information about me. However, they have won a judgment against me and I understand that. But I have never given them any information about me and they have been able to obtain a legal order allowing them to contact my past and previous employers to garnish my wages. I am currently in the process of filing a head of household exemption but I 'm a little uneasy knowing that creditors are allowed to violate my privacy and utilize the court system to seek my personal information. Again, this is a third party collection agency who bought my account from my original creditor. I plan on taking this a little further. The agencies name is Portfolio Recovery Associates , LLC. My new employer was served with a writ ordering them the provide my information. This could of resulted in ramifications to me and my lively hood.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 have hard inquiries form XXXX, XXXX and XXXX that were deleted but I notice they were reinserted. My social security number was listed in the Security Breach and they should n't have been reinserted without sending me a 5 day notice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: MY CREDIT SCORE WAS XXXX ONE MONTH AGO - IT XXXX TODAY. I CHECK IT EVERY MONTH. NOW NOTHING HAS CHANGED. NO BALANCES HAVE WENT UP. NOTHING HAS BEEN LATE AND NO INQUIRIES. THIS NEEDS TO BE ACCOUNTED FOR ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I accepted a settlement offer to make 12 consecutive payments of {$49.00} to settle my debt. It was agreed I would send in a money order by the XXXX of each month. I made a payment each month beginning XX/XX/XXXX. XX/XX/XXXXpayment was shown delivered at XXXX XXXX on XX/XX/XXXX. The company states they terminated my agreement because the payment did not post to the account until the XX/XX/XXXX. I  have all documentation and yet the company will not honor the agreement.

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 04-06-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I regards to my previous complaint XXXX, below : I ca n't even try to submit a payment to pay them ; PERIOD. I 've scheduled payments that they never drafted as promised and please see below for a payment I tried to submit online. Lastly, I submitted more than one months payment via mail to cover a month 's mortgage plus ALL/ANY late/fees and BOA lost the payment and applied to wrong account apparently, only after months of faxing check deposits of the cleared payment and copies of my payment clearing and more documentation from my bank did it FINALLY GET POSTED!! Never did BOA clear my back fees or take into consideration with this recent foreclose proceeding!!!!! WHAT IS GOING ON???!!! PLEASE PLEASE HELP ME, PLEASE, I 'M ABOUT TO LOSE MY HOME! 
-- -- -- -- -- -- -- -- -- - Things have not only gotten worse but escalated beyond my control and I need HELP PLEASE! Anyone, anything! Should I call the news? 
BOA HAS NOW SAID AFTER 8 MONTHS OF THIS HUD LOAN REVIEW PROCESS YHAT ALL OF MY DOCUMENTS HAVE EXPIRED AND I NEED TO RESUBMIT DUE TO A " NEW UNDERWRITER TAKING MY CASE BECAUSE ORIGINAL ONE CHANGED PISITIONS .... Now a new set of guidelines, rules and more of not just the same requests being submitted. I more confused than EVER before on what this new underwriting needs and NO ONE COMMUNICATES IR CALLS BACK. New documentation requests estate I need to show/prove things " from previous conversations '' ... Those in which I never had because I 'm lost as to what they 're talking about!!! TOP IT OFF, I 'm apparently 6 months in the rears of payments because my husband and I XXXX been paying mortgage payments out of XXXX asked are accounts with phone representative each mo th.. Turns out that 's payments were never credited to my mortgage rather lost in " miscellaneous postings '' because they were n't one full payment! They can neither apply the payments nor fix the fact that IVE PAID MY MIRTHAGE DURING THIS TIME! I am now apparently {$4200.00} + behind and was told UNLESS I PAY FULL BALANCE NO LAYMENTS WILL BE ACCEPTED!!!! Please help, I know this has to be illegal, right??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (MN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I fell behind on credit card payments so it was sent to a collection company. They called my work phone, I stated clearly and firmly that they CAN NOT use this number as a contact and gave them an acceptable number to call. Today at XXXX they called my desk phone again. I may lose my job over this

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 10/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My family share plan with XXXX started XX/XX/XXXX. XXXX lines, XXXX,XXXX,XXXX,XXXX. XXXX lines out of XXXX had expired contract ( no contract binding ) and the other would have expired XX/XX/XXXX. XXXX had offered me free phones with a 2 year contract renewal, but the phones they sent us were not what we expected so I returned it with in the 14 days. We had no service with XXXX as of XX/XX/XXXX. But XXXX decided to charge me for XXXX cancelled contracts for XXXX phones ( XXXX. X XXXX = {$680.00} ) which were returned within the time limit. 
XXXX then had sold the false debt to Pinnacle ( debt collection agency ). I contacted XXXX, spoke to XXXX XXXX and Supervisor XXXX but they said they can not do anything about this because they sold it to Pinnacle collection and I should dispute it with them. Pinnacle said they can not do anything about it and that I should go to XXXX. XXXX SOLD A FALSE DEBT TO PINNACLE TO PUNISH ME BECAUSE I LEFT THEIR COMPANY AND WENT TO THEIR COMPETITOR XXXX on XX/XX/XXXX. Receipt attachedLINE ENDING XXXX CONTRACT ENDED XX/XX/XXXX. Contract was cancelled 4 months before expiration date. Charges should have been prorated. ( XXXX x XXXX = XXXX XXXX XXXX not only sold a incorrect debt to Pinnacle but report and damage my credit for four years plus. If they had sent me a bill for XXXX, I would have paid it immediately. Please stop this cheating company from cheating the average people of our country. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit reporting agencies, have XXXX XXXX an Navient listed on my credit reports. They are the same accounts, with same account numbers and amounts. I have tried on several occasions, I disputed the entries and have the items corrected with no success. 

On XXXX, my Navient accounts are closed and wit no late payments. However, on XXXX, the accounts are showing the opposite, that payments are still due. 

Please assist an/or advise how to rectify this situation. It is really disabling me from securing a home or other needed items for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: PNC keeps sending me a bill from my closed account for the amount of XXXX. I had an overdraft back in XXXX 2017.  They continued to charge me XXXX per day my account was overdrawn which now is the amount stated above. I went into to speak to the branch manger at the XXXX office to correct the isssue an she was very rude. She said they closed my account and could n't reopen because of the fees. 
I am on XXXX and was just award and all my retro was to be deposited into that account. She told me that they are allowed by law to charge the XXXX per day until they either close or you make a deposit. 
I was so upset because I did not know that one of my bills were paid out of that account. I was n't really using it expect to make a payment when I had money in the account. Now they have placed this into collections and feel that there banking practices are a bit high and not be able to change every day. It is more than the normal about of XXXX. 
I was a long time customer and had hardly no overdraft fees ever. To leave me with out a checking account to receive my Social Security Benefits was very poor judgment on them and overcharging fees to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: RE : CFPB Complaint # XXXX Thank you for the update on my complaint filed on XX/XX/17 regarding my situation with PHH Mortgage. Interestingly, I just received another advertisement in the mail from PHH ( see attached copy ) regarding the exact thing they offered me before and later denied. They bait people in saying, because of our excellent standing and estimated home value we may be able to receive cash out funds. I understands it says may, but then when you speak to one of PHHs ( I assume ) commission driven representatives, they further encourage you with statements about how we are in a great position to proceed. Then they basically steal over {$700.00} from you in a blink of an eye. Depending on the response I receive from PHH, which should not even take this long to resolve, I will decide if I will proceed with other avenues available to me. In the meantime, however, I will await a response from you. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Credit card) with American Mediation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Recieved several calls from American Mediation regarding a file number and account in my husband 's name. They called him, me, and his ex-wife. I called them back and spoke with a representative named  XXXX   XXXX  at  XXXX . He told me that my husband had and  XXXX  mastercard that was opened in  XX/XX/XXXX  in  XXXX  County that he was active with and making payments on until  XXXX  of  XXXX  but then had an outstanding balance left of  XXXX . He gave me his social security number and his former addresses, including one that would be accurate at that time. Figuring it was a legitimate debt I agreed to pay it, he emailed me a contract and I signed that electronically and then gave him information to make the payment. I then contacted my husband to follow up. He never had a credit card at that time, it was not his debt. He also checked his credit report to verify that this charge was not on it. I called  XXXX  back and told him that it was not a valid debt and that they were not allowed to collect those funds. He was able to list everything on my husbands credit report and claimed that that the account he told me about was the same as the account listed there, however I paid that account in full a couple months ago, and the amounts and dates did not match up. He told me that i was committing a breach of contract, that he has me on a recorded line agreeing to pay the amount, and that they would file ligation against us to collect the amount and more because of that breach of contract. He back pedaled and tried to claim that if i provided him with the paid in full information they would just clear the debt, when i told him that the account on the report is not the one he is claiming to collect on he said that there is just a discrepancy in the amount, he also said that they pulled the charge off the credit report to pursue it. So not only was there just a discrepancy in the amount, but it was not really even there. He called me idiotic, rude and argumentative, and consistently contradicted himself. I explained that we would not be paying that amount, contacted my back to ensure that no charge would be approved by them and informed him that I would be reporting them for fraud.

Company response to consumer: Untimely response
Consumer complaint received 02/20/2016 about Bank account or service (Other bank product/service) with OCWEN LOAN SERVICING LLC (VA).
Issue: Account opening, closing, or management

Complaint: XXXX/XXXX/2016 XXXX XXXX XXXX VA XXXX GMAC ON MY XXXX REPORT This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : GMAC BANK To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am a XXXX XXXX veteran and my medical benefits are fully covered yet I have several small medical collections on my credit report from XXXX which range from $ XXXX {$46.00}. I should have no medical collections since I am fully covered by insurance.

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 11-02-2016 about Credit card () with U.S. BANCORP (OH).
Issue: Billing disputes

Complaint: I booked a hotel room online with XXXX on XXXX/XXXX/16. I went into the hotel and was told I did not have a reservation and that the hotel was booked. I called XXXX 2 times that day and could not get through because of call volume. I called Elan XXXX and was told to try again. I called XXXX on XXXX/XXXX/16 and no one answered. I called XXXX and told them. On XXXX/XXXX/16 I disputed the charge. 
On XXXX/XXXX/16 I received an email from XXXX apologizing so I thought the matter was settled.I received a letter from XXXX on XXXX/XXXX/16 telling me they were charging me back. On XXXX/XXXX/16 I sent more information to XXXX and called to verify that they had received my fax and would reopen my case. I called XXXX on XXXX/XXXX/16 and was told by XXXX at claim support that he would fax me a letter to fill out and that is why I have not seen the credit on my bill. I would receive the letter by fax or mail by the following Wednesday. I called on XXXX/XXXX/16 and talked to XXXX at claim support and she did n't know why I was told that. She was sending a note to my case worker.to reopen the case.on XXXX/XXXX/16 I called and request that they reopen my case. I talked to XXXX. I called on XXXX/XXXX/16 because the charge was still on my bill this time I was told by XXXX the Specialist supervisor that the time has expired and nothing can be done.Sorry! This is my XXXX company that I have had for years. They were not helpful at all. Clearly I would not have booked another hotel that was more expensive on the same date. I should n't be held responsibe because XXXX and XXXX made it impossible to get in touch 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 monetary relief
Consumer complaint received 04/15/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was the victim of identity theft in XX/XX/2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX 's help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred various 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX Mortgage account, and several 30 day lates on my lending club loan account. I have been working with these XXXX creditors and the credit bureau ( Equifax ) but they do not seem to fully appreciate the issue. I do n't feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agency. When I speak to the credit reporting agency, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identity theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells fargo converted a savings account to a checking account because of over transaction occurrences in two non sequential months, and then told me that it could not be converted back and that I would have to close the account and open a new account. they said it was due to regulation d requirements. the checking account has fees, the savings did not.

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint: I do n't know who to go to ; I have been trying to verify my Identity on I.D me for Vets.gov. But unfortunately they do n't have my updated address ; and i 'm honestly not sure what address they have for me. They go through Experian ; who when I tried to enter my stuff it said i have the wrong address. I had 1 address until XX/XX/XXXX; then it was in missourri. XXXXXX/XX/XXXXmy addresses have all been in Louisiana ; 2 on  XXXX XXXX, 2 in XXXX, LA, and my current address is in XXXX, LA. But I am going to the post office to forward everything to that address tomorrow. So it might not be on there yet. Because we just got it this week. I would really appreciate your help ; it 's holding me back from checking my claims through the VA. 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