milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am writing concerning a {$210.00} balance reported by XXXX XXXX XXXX XXXX for a debt previously owed. According to the company the debt is a remaining balance for a debt originally in the amount of {$700.00}. However, the debt has been settled in full as of XX/XX/XXXX. 

I previously received a letter dated XX/XX/XXXX which indicated if a payment of {$490.00} was received by XX/XX/XXXX the account would be " settled in full ''. As a result I obtained a money order from my financial institution on XX/XX/XXXX and mailed the item to Portfolio Recovery the same day. 

Despite paying the settlement, an additional {$210.00} balance was added to my credit report. On XX/XX/XXXX I submitted a dispute of the {$700.00} balance and informed the agency of the settlement. I allowed 30 days for a response and have not had any feedback since that time. However, as of XX/XX/XXXX Portfolio Recovery has reported a {$210.00} balance. 

This is dishonest and incorrect. Is there anything that can be done to get this matter rectified? I would be happy to provide a copy of the settlement agreement provided by Portfolio Recovery as well as proof of the money order sent and date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NC).
Issue: Struggling to pay mortgage

Complaint: Citimortgage Loan  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I lost my job in  XXXX  and fell behind on payments. I immediately reached out to Citi after the first month to let them know what had happened and to ask what I can do to stave off foreclosure or late fees that rack up etc. Any help at all. I was told that I could n't even talk about anything until at least  XXXX  months behind. Counter intuitive in my opinion.     I waited the  XXXX  months as instructed and reached out again. I was told at that time the house would go in to foreclosure. So, as I stated, I tried a month out to make arrangements and then they said foreclosure would start. I was not offered anything on the spot, rather I was told to send in paperwork and a package was mailed to me to fill out and include tax returns, pay stubs, letter of hardship, etc.     The first package was faxed to  XXXX   XXXX  on  XXXX / XXXX / XXXX , then again  XXXX / XXXX / XXXX  and again  XXXX / XXXX / XXXX . I was never in contact with her again, and emailed her each time I faxed for confirmation and was never spoken to again. I got nothing else in the mail and was ignored.     The second contact was initiated again by me, I emailed and then spoke on the phone to a  XXXX   XXXX  and he set up a conference call, which I had to cancel due to getting an interview for a job. I attempted to contact him  XXXX  more times and we never spoke. I never heard from him again. Dates :   XXXX   sent another packet of paperwork.     The third contact, again initiated by myself was to a  XXXX   XXXX  who I spoke to on the phone after calling on  XX/XX/XXXX  we also had an email exchange   XXXX   and  XX/XX/XXXX . Got no other reply, no request for paperwork, no offer for assistance at all.     A year went by and the amount hit my credit report as a write off on   XXXX   XXXX   XXXX  , still no paperwork concerning foreclosure and to this date the house is in my name, accruing taxes in my name and I do not have any deed or any other documents. I have left the area to find employment and now work in NC, however the house is vacant and I am highly concerned about squatters looters and vandals. I have no information whatsoever in order to tell the city about what is happening after they have called me looking for answers.     I reached out again to  XXXX   XXXX  on  XX/XX/XXXX  and  XX/XX/XXXX  via email after getting her on the phone and I never heard from her again.     This has been excruciatingly painful and has damaged my credit to an extreme amount. I have reached out time and time again and have been ignored. I need answers and help here. I feel completely wronged by Citimortgage.

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 07/27/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I continue to get calls from XXXX with XXXX XXXX XXXX in California. He calls several times a day from different numbers XXXX and XXXX. I asked his coworker XXXX and XXXX not to call and now they are calling my place of employment speaking to different coworkers threatening wage garnishment when my payment arrangement was not sufficient. XXXX is leaving song tunes at end of messages and derogatory remarks on my home and cell phone.

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have contacted  XXXX  and gotten NO remlief. They are reporting  XXXX  accounts, late payments and the info on the credit file is  XXXX . I have requested the original signed contract and complete payment history They provided and I will attach it. It does NOT have the entire payment history because  XXXX  sold the account to a third party ( whom I contacted and they said they DO NOT have the payment history at the time they had possession of the account ) I submitted the proof of  XXXX  having  XXXX  accounts and making them ILLEGALLY copbined sub and unsub loans to then report them as  XXXX  loans and showing late payments without PROOF of the entire history and that IS ILLEGAL according to the FCRA!! I contactd the CRA 's and even had a RECORDED phone call with  XXXX  and  XXXX .  XXXX  ADMITTED THEY DO NOT HAVE THE COMPLETE INFO AND ARE REPORTING PARTIAL INFO AS THAT IS ALL THEY HAVE They claim it is legal for them to break the  XXXX  loans into  XXXX  and report them however they wish!!! This is and has been a battle for nearly a YEAR.  XXXX  is NOT IN COMPLIANCE with ALL credit reportinglaws and IKNOW it and are NOT doing anything to correct it as the FCRA states clearly REMOVE the account there are factual data errors on the account! It is ILLEGAL to re-age the loan ( ONLY  XXXX  LOANS ) and make them  XXXX  to report or to change or report ANYTHING they can not PROVE IN FULL!!!!! I want this account and ALL accounts reported by  XXXX  REMOVED AT ONCE!!!!! IN THE VERY PROOF  XXXX  HAS THEY SHOW THE FIRST DATE OF DELINQUENCY IS O VEr 7 YEARS OLD!!! That is grounds for IMMEDIATE removal!!!!!

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 12/18/2016 about Debt collection (Medical) with North American Credit Services (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: WENT TO HOSPITAL FROM SERVICE. XXXX. FILL OUT PAPER WORK AFTER RECEIVING COST FOR XXXX BEFORE ANY SERVICE PEFORMED. I DECLINED SERVICE. ( TEXAS DBET STATUE OF LIMITATION 4YSRS ). DEBT FILED XX/XX/2012 BY XXXX HOSPITAL. ( SOLD TO XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Please note the reason I am filing this dispute with your agency is because I was unable to locate an option to report the following issue on Equifax 's on-line dispute website. In connection with the possibility of financing a vehicle through my financial institution, the Bank ran a credit report through Equifax on XXXX/XXXX/XXXX. The report reflected a score of XXXX, with reasons stated for such score as : ( 1 ) level of delinquency on accounts, and ( 2 ) too many consumer finance company accounts. Due to this low score, the interest rate I had been quoted before the report results and after the report results was much higher. Needless to say, I was devastated and in complete disbelief as to how my score had dropped approximately XXXX points. My credit score has always been in the XXXX range. I have the upmost integrity in paying my bills timely and take pride in having exceptional credit. The retail company accounts on my credit history have been closed for years with the exception of XXXX credit card I keep open. I understand from my bank that there have been no credit inquiries since XXXX. I obtained my annual credit reports and scores in XXXX, XXXX at which time my score was XXXX. I do not understand why my score has dropped to the XXXX 's since XXXX of XXXX. I adamantly dispute such reporting by Equifax. I am requesting Equifax remove the negative comments it placed on my credit history and reinstate my credit score to a minimum XXXX immediately. Thank you for your assistance with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2018 about Debt collection (Medical debt) with Quality Asset Recovery LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacted in writing by QUALITY ASSET RECOVERY in XX/XX/XXXX that a {$710.00} ambulance from XX/XX/XXXX bill was sent to them for collection. I contacted the Quality Asset Recovery promptly and stated this had to of been an oversight and to let me resubmit to insurance for payment. About 30 days passed and I was contacted on XX/XX/XXXX. I was told that the insurance company paid all but {$140.00} and could I make payment which I arranged to have paid on a credit card on XX/XX/XXXX. On XX/XX/XXXX I was checking my credit report and saw that QAR reported he {$710.00} as uncollected debt with a status of " in collection '' on XX/XX/XXXX. 

This is ridiculous I followed the ruled paid the debt and they didn't even give me and opportunity to make good on it. Totally unfair. I did contact Quality and they stated it will be removed from my credit report in 45 days. I am skeptical. Not only id this lower my credit score but I am was in the process of shopping for a mortgage and this has hurt

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 10-05-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: Recently, we paid off our mortgage with Wells Fargo when we sold our home. We were communicated that our escrow funds were going on the XXXX of XXXX. I have not received the funds to date. When I contacted them, they said they hold the check internally for XXXX business days before mailing and could n't confirm when it was in the mail. This seems like they are holding my money to earn more interest in the meantime. I 'm sure it 's not a lot in terms of my loan, but would add up with many others.

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 12-12-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have been trying to contact XXXX and AES in regard to my student loans made for XXXX school. I have been trying to resolve my debt/ issue. Neither will allow me to obtain information in regard to my status. XXXX did tell me that I am in litigation, but will not give me information on how I can resolve my debt. AES states that my loans are in their specialty department but can not give me any more information. I can access the AES site online, the information there states that my next payment is due on XX/XX/2016, that I have XXXX HEAL loans owned jointly by them and The Pennsylvania Higher Education Assistance Agency ( PHEAA ). I called PHEAA who told me that I should be able to contact AES and get resolution, but I ca n't. I am locked out of XXXX website and can not gather any information. I did contact Navient but they stated that they can not give me any information. XXXX did give me a phone number for The US Department of Education who advised me that my Federal loans are in good standing. They stated that AES and XXXX should be communicating with me to resolve this issue. They forwarded me to The Ombudsman who reaffirmed the opinion given by The US Department of Education.. I was given this offices information to assist me. 

I am a veteran, XXXX through XXXX, have been homeless and am living in a transitional VA facility where I have been getting assistance in transitioning back to the community. I was hospitalized for 3 months at the XXXX VA hospital for XXXX where I received XXXX- they left me with XXXX but I 'm now able to think and have been trying to attend to things I need to ( such as my debts ). I am also being assisted by the federal government in regard to my debts. I am also being assisted by The Pennsylvania Department of Labor and Industry for the purpose of reentry back into society as well as reentering XXXX. My desire is to get off of XXXX as my treatments have substantially helped my recovery. My hope is that I can obtain assistance in handling my educational debts. While I am not certain, I assume I am in default.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Sale of account

Complaint: I received a call from a " process server '' claiming they need to serve me because I was being sued. They also called my place of employment ( actually my boss ' cell phone ). I called back & they stated that I was being sued by credit card company  from 2002. Ther e is n't anything on my credit regarding any kind of collections. This week, they have again called me & also my mother & sister 's cell phones. The company claims to be  XXXX   XXXX   XXXX , which was stated on an email I received. They answer the phone " law office '', so that 's the first sign that this is a bogus company trying to scam people out of money by threatening a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried to resolve this issue with Experian and  XXXX .   XXXX   has deleted the incorrect entry on my credit report. There is an incorrect entry on my  XXXX  and Experian credit report for   XXXX   XXXX   It 's showing a charge off for {$19000.00}. This is not my credit card. I have provided all  XXXX  credit reporting agencies proof that this account did not belong to me. Only  XXXX  did the proper thing and delete the wrong information.     It sickens me that  XXXX  and Experian seem to be comfortable with knowingly reporting inaccurate information on my credit files. It almost makes me feel like they have something to gain by neglecting to do what 's required by law. Otherwise, I do n't understand why they have n't erased the entry. I never applied for that card, never signed a contract for the card, yet its on my credit report and they refuse to take it off even after I have proven to them it 's not mine.     If it continues to remain on my report 15 days after they receive this complaint, I will file suit in small claims court for damages as outlined in 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 05/22/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (DE).
Issue: Struggling to pay mortgage

Complaint: I have called and requested a hardship withdrawal letter from Nationstar mortgage on  XXXX   XXXX . The company told me that the letter would be generated in  2-3 b usiness days and sent to me via postal mail and email. I followed up with phone calls  XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX  asking if the letter had been generated and made available for me to pass along to m y 401 (  k ) account holder so that my payment can be made by  XXXX   XXXX , or I would have to ask for another hardship withdrawal letter for a different amount for the month of  XXXX  or possibly lose my house. The company responded each time to my follow up calls stating that the letter should be generated i n 24  hours and would be available the next day. I called today,  XXXX   XXXX , and the representative is telling me that the letter was n't requested until  XXXX   XXXX . Nationstar seems unmotivated to allowing me to resolve my past due payments and seems as though they would rather my mortgage go into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Payday loan) with Mobiloans, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Name of Creditor : MOBILOANS LLC Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, LA XXXX Re : MOBILOANS LLC Amount : {$760.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company response to consumer: Untimely response
Consumer complaint received 05/21/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX University XXXX XXXX has false reported to Equifax a {$5200.00} balance on my credit report when the Federal Government US Dept of Education discharged and paid all my student loans. I have disputed this account for 5 months with documentation and they still have not deleted the fraudulent info from my consumer agencies. I have never had a loan with them the Government controls all student loans and the University XXXX XXXX denies the fact that my account was left at a XXXX balance when I withdrew from them because of their grievious financial practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX XXXX that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX XXXX to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported 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 explanation
Consumer complaint received 02/28/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Macy 's and Bloomingdale 's credit card information was stolen and used fraudulently in Pennsylvania at XXXX different XXXX location on two different days. I was completely unaware that my card was compromised until credit card services blocked it. I followed all the steps I was told by Macy 's and Bloomingdale 's Fraud investigation department to take, such as to file a police report, complete a fraud form and mailed it to them. After three months of so-called investigation I received a letter from them stating 'We regret to inform you that your claim can not be accepted as a fraud and your account is turned to a collection department ''. Let me to restore the sequence of events that '' lead '' to this conclusion after " thorough investigation ''. On XXXX XXXX, 2015 the criminals who have stolen my credit card information went to shop in Pennsylvania to a XXXX XXXX XXXX location, made a purchase for {$2900.00}. After this they went to a different XXXX location at XXXX, again in Pennsylvania, and made the same charge for {$2900.00}. The very same day on XXXX XXXX, 2015 I used my credit card to pay for lunch in XXXX cafeteria where I worked XXXX. This did not bother Macy 's and Bloomingdale 's credit card fraud department at all. After successful shopping at XXXX those criminal had a chicken lunch {$29.00} at XXXX and serviced a car at XXXX again, for {$75.00}. Next they waited and on XXXX XXXX, 2015 went shopping again to XXXX, again XXXX. XXXX XXXX XXXX {$2800.00} and XXXX XXXX XXXX {$3600.00}. The very same day I used my credit card to pay for parking my car at parking garage located XXXX were I was working from XXXX to well after XXXX. Macy 's and Bloomingdale 's store is shamelessly trying to pin {$12000.00} on me. Macy 's and Bloomingdale 's XXXX XXXX Fraud Investigation Department conducted so-called investigation and came to a conclusion based on a ''history and notes '' that this is not a fraud and therefore I have to pay fraudulent unauthorized charges on my account. XXXX sentence ''BASED ON HISTORY AND NOTES ''. Please help.

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