milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: portfolio recovry is attempting to collect a debt that incorrect, wrong info and lied to credit bureau.. on report it says acct opened XX/XX/2016 they show negative payment history from that date. when i call them and XXXX that info is incorrect. they give me totally different info then what they reported I asked them why are they reporting incorrect info on my report they said ask XXXX XXXX but XXXX XXXX is not the ones reporting it they are. what they are doing is illegal and I want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written
requests, the unverified items listed below still remain on my credit report in
violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation,
you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 07/19/2017 about Student loan (Federal student loan servicing) with Windham Professionals, Inc. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I received a notice on dated X/XX/17 stating that my wages were going to be garnished due to a defaulted student loan totaling XXXX. This was an order from Windham Professionals , Inc . I called them on X/X/17 and spoke to a very rude gentleman in an attempt to make an agreement for monthly payments. I had no idea who held my loan previous to this encounter as I had searched and called only to be given false information. As I explained this to the gentleman, his response was " TOO BAD and TOO LATE '' and he hung up on me.

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 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Never had XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: As I was checking my credit score. I saw the debt collectors ( GOLD KEY INC ) send a medical debt of {$710.00} I was not aware of.The debt agency did not contact me to dispute the matter in order to see if there can be any arrangement made to have the debt paid off. I received no phone calls and there was no form of contact made to informed me of the debt. I'am filling a complain due to not receiving notice of right to dispute and also for not receiving any letter via mail concerning the debt. I'am willing to work with them in compliance, if they are willing to work with me to have the debt remove from my credit report profile. Thus affecting my credit score. I 'm seeking help because I feel like it was unfair to me due to the fact that I receive no form of letter informing me of the debt or trying to reach me via phone to discuss the matter. 
Thank you!.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Credit line increase/decrease

Complaint: XX/XX/XXXX during the Holiday season Walmart approved me for a credit card without any income verification. Since then I have paid my account on time and paid off the entire balance twice. In XXXX XXXX I actually paid my account twice XX/XX/XXXX and XX/XX/XXXX although payment was due on XXXX XXXX which was a Sunday. In XX/XX/XXXX I was charged a late fee but I was given credit on XXXX/XXXX/XXXX. In XXXX my credit limit was decreased to {$400.00} without any justification, I called customer service to dispute the matter and after verifying my net income, Walmart declined to increase my limit again to {$500.00}. XX/XX/XXXX XXXX increased my credit limit to {$1000.00} because I 'm a good customer. I have been a good customer to Walmart also. Since obtaining the Walmart credit card in XXXX XXXX, I have actually lowered my debts and increased my credit score. Walmart reduced my credit limit unfairly. Walmart is using deceptive practices in providing quick credit approvals then re-tracking themselves after 6 months of paid interest at 23 %. The approval in XX/XX/XXXX at the {$500.00} limit was based solely on my zip code, nothing else was asked.

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 02/20/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ordered credit report today XX/XX/2018 noticed  fraudulent accounts under an old address of mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10-12-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Mortgage LLC got my mortgage loan from XXXX XXXX XXXX in XXXX. Since they have had the loan they have told me several things one my monthly mortgage payment ( XXXX vs less then XXXX ) is higher then the real amount. Then the escrow amount is high because I missed payment ( they have now knowledge that was incorrect. But still say I need to modify my loan because I am behind ) I have repeatedly asked how that can be and they still do n't known or answer the question. My mortgage has been 40 years at 3.625 % since XXXX which make my monthly payment just under {$800.00} and I have paid more than that very month so how can I be behind on the my mortgage. Also they want me to modify my mortgage to 40 years at 3.625 % which is the same as it is now for a monthly payment of {$790.00} which is what has always been.

Company response to consumer: Closed
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXXXXXX XXXX XXXX XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Delinquent account

Complaint: Capital One did not take any steps to notify me that my account was past due. They did not take any steps to notify me before reporting late payments to credit bureau. According to rep you have to 'request ' to know these things. This is highly unethical, especially since they charge late fees. It is in their interest not to notify the customer. According to Rep, consumers do n't want to know this information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2017 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Closing/Cancelling account

Complaint: synchrony bank froze all of my accounts that I had with them and shut off access to the accounts causing late fees. When all was said and done they closed 12 accounts that I had been using and paying on without ever being late once. They say they sent a letter that I did receive stating I needed to sign a tax release form which I did and sent back. They then closed my accounts because they could not verify my identity or finances. I am a XXXX veteran and do not pay taxes as it is not required for me to do so. I sent them a statement from the VA stating how much I get paid a month and at rate of XXXX but this is n't good enough coming from the VA I guess. How can they close my accounts that I use for everything for the month then pay then back down and use again. Now they are charging fees and raising the payments causing my credit report to suffer. I have dropped over 80 points on my credit report since they closed my accounts and think they should have to pay for their stupidity.

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 06-01-2015 about Debt collection (Credit card) with Total Card, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Collection agency has repeatedly contacted me and third parties regarding an alleged debt after being asked to cease and desist contact. 

Agency also failed to verify the debt and prove the debt is not time-barred, including refusal to provide Date of Last Payment and/or Date of Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: showing missed payments that were n't missed and this account is closed and purchased by XXXX and reporting old factual data

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 04/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NE).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen purchased our mortgage in XXXX XXXX. We made our payments through XXXX XXXX, but our XXXX statement raised the payment from $ XXXX to $ XXXX, supposedly based on escrow. We contacted the company and were told the only way to fix the escrow was to apply for a loan modification, which we did. From there, things went from bad to worse. After months of submitting paperwork and proving our ability to pay and proving the actual escrow owed and legally due, Ocwen denied the modification, declared us in default and served us with a foreclosure notice in XXXX XXXX. We filed a Chapter XXXX bankruptcy to stop the foreclosure. As our home was also our business ( a traditional bed and breakfast ), these actions affected not only our financial status ( legal fees, etc. ) but also our ability to continue to operate our business. We wound up selling the home in XXXX XXXX. Our original loan amount of {$470000.00} was repaid {$650000.00} by the time Ocwen added fees, penalties and other charges to the final amount. We attempted, through our lawyer, to get a lowered payoff and to dismiss some of the fees and charges, but Ocwen 's lawyer refused to cooperate. We have suffered tens of thousands of dollars in damages, all because Ocwen and its representatives lied to us, manipulated us and cheated us on a mortgage for which we had never missed a payment since XXXX XXXX. The XXXX lawyers we consulted all told us our only option was to file a Chapter XXXX, and it appears that may have been a mistake. But we contacted the Nebraska XXXX, the Nebraska XXXX, the XXXX XXXX and even the XXXX to try to find assistance in resolving this without selling our business and our home. The original escrow discrepancy was never resolved, even with a court order for Ocwen to produce the paperwork proving its why the escrow jumped more than {$2000.00} per month. Such paperwork, to our knowledge, was never submitted to the court. We have a detailed chronology of our interactions with Ocwen, along with mountains of paperwork requested and submitted. When Ocwen purchased our {$470000.00} mortgage, our home appraised at {$820000.00}, and this was clearly nothing more than a bold-faced attempt to steal our house.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Beginning in XX/XX/XXXX, we could no longer make our mortgage payment on our home in Oregon. We received letters through XX/XX/XXXX that JP Morgan was starting foreclosure proceedings. We filed for Chapter XXXX bankruptcy XX/XX/XXXX in US District Court in XXXX that included the mortgage. The bankruptcy was approved and finalized XX/XX/XXXX. We have worked hard for two years and are at a point to look into buying a home again. When our mortgage broker looked at our credit, he discovered that a law firm in XXXX filed and received a civil judgement on behalf of JPMorgan for the mortgage in XXXX exactly a year after the mortgage was discharged in the bankruptcy. We have had trouble getting jobs, purchasing consumer items with decent interest rates, and now we can not purchase a home because of the civil judgement on a discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call day and night and when we answer they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Non-federal student loan) with AES/PHEAA (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This complaint crosses over several issues : Communication tactics AND Threatening to take an illegal action : ( 1 ) this company threatened to take legal action without properly notifying us that such an action was in motion. They state that they would then " mail a copy '' of a judgment without notification that suit has been entered into court. They expressly state their intention to deny us our due process rights while providing misleading statements in the introduction that they are actually advising us of our rights pursuant to the Fair Debt Collection Practices Act. 
( 2 ) they have made frequent and repeated calls Improper contact and sharing of information ( 1 ) they have left personal information on an answering machine that was audible to a room of individuals, including our children, disclosing the possibility that we may have debt. The message states that they are about to divulge sensitive information so if the individuals listening are not " they provide our names here '' to hang up and then they proceed to divulge that personal information with no guarantee that the party on the other end is actually " they provide our names here, '' and in fact, in several instances they were not. We have numerous recordings and sworn evidence of this. 
Further, XXXX XXXX XXXX XXXX XXXX XXXX is a Trust and has not established an individual of ownership nor any other named individual of ownership, we have not acknowledged this debt as legitimate. 
This company has caused irreparable harm to our children, family and several friends having disclosed this sensitive information via recorded calls, leaving personally identifiable information and our names

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied for credit and was declined, I was given a contact number to get my free credit report. The number is XXXX for Equifax. I called the number and followed the prompts for denied credit request. Put my personal information and was asked what do I want back. 1 ) Score & File or 2 ) Special score & File or 3 ) File then I was offered information about option XXXX or XXXX. I choose option XXXX sounds like the best choice. After choosing XXXX I am told a fee of {$7.00} is due and that this is a discount from regular price. Then I am told to input credit card information to receive over and over again with no other option. Then I am told since I want the free file for denied credit ( first time they mention only free choice ) I must jump through all types of hoops to get it sent to me. This is a scam to make you buy the score why did n't say that up front or give me a option to choose option # XXXX again since I now know it is the only free option.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: We purchased property in XXXX through a 30 year fixed rate mortgage originally as HUD property. HUD sold this property to Ocwen in XXXX. The original purchase price was $ XXXX at 10 % interest rate. We paid $ XXXX {$600.00} per month ( depending on the tax rate ) for 30 years. The final payment was XX/XX/XXXX for {$400.00} after which Ocwen said we still owed {$21000.00}. We hired a mortgage lawyer to check into what Ocwen said we owed past the maturation date of the loan. 

The lawyer informed us that we did owe {$21000.00}. We disagreed but Ocwen threatend a foreclosure on our home. We wanted to avoid this so we sent them what they asked for to avoid foreclosure. We never missed any payments on our home. They asked for {$3000.00} in XXXX we sent that and they then asked for another {$300.00} and we sent that along with our regular monthly mortgage payment.s We paid our own homeowners insurance during the 30 years. 

In conclusion, we would like to know why we owe this amount to Ocwen. Our records indicate our home would be paid off XX/XX/XXXX. We sent them the {$21000.00} XX/XX/XXXX. We have yet to receive our deed. We have only received letters to us concerning foreclosure assistance through XXXX and no receipts or acknowledgements that we have paid them anything final.We would like to obtain our {$21000.00} plus interest.

Company response to consumer: Closed with explanation