milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, 2016 Experian credit report is reflecting incorrect account information which is old and has already been paid off since XXXX XXXX, 2016. I have made contact but was told this was the most recent account information that was being received by the Creditor as of the date of the report. I have spoken to a representative at Experian to dispute the item. She advised me to upload the supporting information reflecting account paid. I attempted this function for 2 days and finaling mailed all copies to support my account being paid in full with tracking from the mailing service. This information is going on 4 MONTHS OLD AND DOES NOT ACCURATELY SUPPORT A TRUE CREDIT REPORT OR CREDIT SCORE. As of today, I have not received a response back from Experian but I do expect a response since notification has been received the supporting information I mailed has been picked up by a person from the 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 05/15/2015 about Debt collection (Auto) with BB&T CORPORATION (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My car loan with Regional Acceptance has language in the agreement that states we have two weeks past due date before it is considered late and beyond that there is a charge that can be negotiated with a payment arrangement, I continually make payment arrangements but I recieve XXXX-XXXX calls a day once the due date has past. I have requested they stop and they continue, please help. I always pay my bill including any late fees, I 've never missed a payment. My only issue is sometimes I 'm late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I bought a home XXXX took out a mortgage and later filed bankruptcy. This mortgage was included in bankruptcy and the debt was discharged. The servicing rights to this mortgage were bought by CitiMortgage while still in bankruptcy and before the debt was discharged. After the debt was discharged, Citi was asked to reafrim but they refused. They continued to reporting this discharged debt to XXXX XXXX ( still do ) as current " paid as agreed. '' Now I receive notice that my mortgage is delinquent and Citi will not remove PMI until the late charges assessed post discharge are paid in full. 
The issues are if the mortgage debt was discharged in Chapter XXXX bankruptcy and payments are now voluntary how could the mortgage have ever be late. Second, since Citi continues to report the debt " paid as agreed '' to the Credit Bureaus, why are they telling me my voluntary payments are past due? Third, why are they charging late fees on discharged debt and are threatening to keep charging PMI until I pay late charges since payments are current? 
Citi would not enter into a reaffirmation, the debt was discharged, payments are voluntary and Citi said at the time of discharge if payments are not made they could still foreclose not that they would charge late fees. 
I have been unemployed since XX/XX/XXXX and have exhausted my retirement savings to avoid foreclosure while trying to find work - Citi has n't offed a bit of help! Just more and more grief ... Can the CFPB offer any suggestions?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Our loan officer notified us there are XXXX accounts of which we have no knowledge. XXXX account was shown on XXXX XXXX and we are disputing it. The XXXX account is on Equifax and we are unable to access it electronically. Requesting the report via mail and then disputing it, again by mail, seems to be an unneccessary delay. Since our loan officer was able to see information electronically, is there a way to allow us to see the report electronically? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Hello We recently had a dispute with Chase credit card services. Below are the dates and amounts of the transactions. 

XX/XX/XXXX XX/XX/XXXX Adjustment XXXX XXXX Work RelatedCategory for XXXX XXXX : {$5800.00} Show details XXXX XXXX XX/XX/XXXX XX/XX/XXXX Adjustment XXXX XXXX Work RelatedCategory for XXXX XXXX : {$540.00} The transaction was disputed because we never received the services from the vendor. Chase had asked us for more details which had been provided to them. They told us the information was never received and that they only accept it via fax. We tried faxing it multiple times and they told us it takes 1 day to verify receipt of a fax so they could not tell us right away. 

After all of this occurred they closed the case and told us it has been too long and that they never received anything. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity fraud and my information was misused to get several accounts including this one account with XXXX XXXX. I sent over numerous documentation stating that this is n't my account and they still are reporting this as my debt and they 've hired a collection agency to attempt to collect a debt that is n't mine. I have even told them to send over proof. They have sent over a contract from an attorney, that shows forged signature and will not put me in contact with the representative that witnessed this signature. This is n't my fraudulent account and this company still has n't tried to look into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I originally filed a complaint against Portfolio Recovery Associates on XXXX XXXX following their refusal to properly validate an alleged debt in my name. In the time since, I have disputed the debt with the XXXX major credit bureaus, I have filed complaints against Portfolio Recovery with both the CFPB and the XXXX, and I have directly communicated to Portfolio Recovery their violations of FDCPA legislation. They continue to not take this matter seriously. Although I have decided to move forward with legal action against the company in Federal Court for the District of New Hampshire, I still want the CFPB to be involved in this matter. The CFPB has already had significant dealings with Portfolio Recovery and it is important that the Bureau be aware that Portfolio Recovery has not made any meaningful changes to its business practices as they relate to compliance with established federal law. 

As of the date of this renewed complaint, Portfolio Recovery has failed to offer me any validation that this alleged debt belongs to me, that the amount they are claiming is accurate, or that they as an organization even have legal authority to attempt collections on this alleged debt. At one time, they mailed to me an old credit card statement that actually showed a {$0.00} balance with no reflection of the amount they are attempting to collect. Additionally, in their written response to my prior complaints, they promised they would perform further research and deliver to me more detailed documentation. I have yet to receive any such paperwork. Meanwhile, in defiance of federal law, Portfolio Recovery continues to regularly update this account on my consumer reports which is causing harm to my credit rating and limiting my ability to obtain new credit. It is a well-known fact of credit collections activity that this is a tactic used to frustrate consumers in an effort to entice them to pay a debt simply to improve their credit rating. I WILL NOT FALL VICTIM TO THIS TACTIC. Plain and simple. 

Finally, not only is this an un-validated debt, their reporting of this debt to my consumer reports is riddled with errors. They report themselves as a traditional " revolving '' account rather than as a " collections account '' as they are supposed to. And there are other errors, as well, which my lawsuit details. Please see attached documentation for evidence of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo lied to me and gave me the run around with false information pertaining to my home. They told me that foreclosure had stopped because I was in a disaster relief program. Once the disaster relief was over we would then discuss my options. This was all a lie because they proceeded with foreclosure and when I tried to contact them they gave me the run with different clerks all giving me different information that was not true. The representative at Wells Fargo who was suppose to be assisting me never got back in touch with me in a timely manner. I was not aware that they was actually proceeding forward with the sale of the home until I received a notice on my door. Even though I continually made payments up until XXXX when they refused to receive payments from me. I even ask for a modification since I knew I could afford it. Wells Fargo used deception to force me in foreclosure. According to the letter on my door it says the home will go up for sale XXXX/XXXX/2016 but yet Wells Fargo continually say that there is no sale date. Also They told me that the payments that I was paying was sent back to me which is not true. I have only received {$100.00}. I informed them if they apply all the payments that I made and that they said was payment reversal then I would not be in foreclosure. I informed them of this in XXXX when I requested a printed out copy of all payments received. On the documentation I received from them concerning my payments it says the payments was reversal meaning they sent them back to me.The process that Wells Fargo is using is not legal and they are using predatory lending practices. They house has equity in it plus mineral rights therefore it is worth more than I owe on it.

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 10/27/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX University paid the FTC 100 million dollar lawsuit. But they are still trying to collect the money from me, buy sending me Notices and outsourcing to a third party debt collector. All private loans must be dropped, But XXXX XXXX XXXX is still trying to collect the money. But meanwhile they gave me a default clearance letter because they know they are in the wrong. If I owed debt, I would not be able to get a default clearance letter. 

Also, I received a check from the lawsuit for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit card () with IMC Capital, LLC (GA).
Issue: Unsolicited issuance of credit card

Complaint: I recently received a credit card in the mail for which I did n't request. I know that this is a scam in that my name was printed twice on the card. XXXX with my middle initial. I contacted the company XXXX XXXX and they would not provide any information about the company, how they acquired my information, etc. I told them I wanted the specifics on this card and the representative would not provide any details. I informed them I would contact the FTC and they said " go for it '' as if they were above any laws. Their website is very vague and does n't provide any company information, just a page to enter credit card information.

Company response to consumer: Untimely response
Consumer complaint received 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have requested in writing over a dozen times for the last year that Experian remove some incorrect addresses from my credit file. I was a victim of identity theft and still disputing some items on my credit file. Experian has ignored most of my request to remove the incorrect addresses on my credit file indicating that they were accurate addresses belonging to me. I also requested that they send me proof of this explanation from their company or the company who reported the incorrect addresses. I still have not received any documentation to prove I resided at or that I am affiliated with the above mentioned addresses.

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 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I lived in Apartment XXXX for 2 years ... when my contract ended, I decided to move in apartment XXXX ... I paid all my dues to move in. After two weeks, I was a victim of XXXX. I could never get in touch with the manager so, I spoke to his secretary to find out what I needed to do to exit my lease because it was an unsafe place for me and my children. The secretary at the time was XXXX.. she called me back and said because I have n't live there long, I only had to pay XXXX . I paid the moneies. 3 months later after I left, the manager FINALY called me and told me I had to pay 2 more months of rent ... I explained to him that I was n't told that ... I asked if I could arrange a payment plan and he told me I could n't do it with him. He also told me I had to wait til the collection company contacted me! I asked why when I 'm trying to work out a plan with him! After he hung up, I tried calling him for TWO months to work out a payment arrangement. I found out later that they rented the property out to someone else. How can they rent it out and I 'm STILL liable for the payment! I ended up settling with the collection agency for XXXX $ but now I want my money back AND for the negative info to be deleted off my credit report! They would n't even give me a chance to pay it! I had to leave the city because of the XXXX situation so, phone was my only way of contact with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Medical) with Capital Accounts, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this debt has been placed on my credit report, it was my wifes debt from a injury, this debt was suppose to have been paid by the company she sued and was court ordered for it to be paid. Last year Capital Accounts , llc. contacted me XXXX XXXX in regards to a medical bill owed to the XXXX and XXXX XXXX in XXXX, AL. I gave the lady who called all the information regarding the debt including the attorny who handled the case for me. After that discussion, no other person nor any mail from them has ever been recieved for me or my husband. I recently got on XXXX and checked my score and the debt was still on my account, i disputed this thru XXXX who removed it off my report due to inaccuracy. In XXXX 2016 we decided to purchase a home and had my husbands credit pulled, and to our surprise they attached this debt to him, without any contact to him via mail or phone. I have contacted the atty. that handled the case, as well as this collection agency who put this on my credit report. Yesterday XXXX/XXXX/16, starting at XXXX, i spoke with a XXXX, who coulnt pull this debt up using a name or XXXX last XXXX social and nothing under mine at all, after about 30 minutes he finally located it, he informed my that my husband was also responsible for this debt since he was the primary on our insurance, i told him i belived that not to be true! I told him I would call back. I called back and then spoke to a XXXX around XXXX and she informed me after 30 minutes or more of even locating our information once again, that he apperantly had been to the office and signed paperwork, i told her i hoped she was recording this because my husband has never signed anything in XXXX XXXX office, first off he does n't XXXX, the lady became very quiet and stated that this was my bill, i then again to explain this over again to her and i have become aggitated because they ca n't get the information straight. This morning I contacted the dr. 's office and they told me they no longer use this agency anymore. I called this afternoon and have been run in complete circles from one debt rep to another and on who stated his name as XXXX XXXX, supervisor, he decided he would send me to another bigger supervisor and low and behold i was back with XXXX again who stated he did n't even know who the XXXX was or the supervisor, i laughed and felt concerned what kind of place are these people running. Again today I got nowhere with this. It is still on my credit report under XXXX for XXXX amt and on my husbands credit report as another, also this company does not mind sharing anyones personal information, as they pulled up my husbands account and discussed it with me without asking his permission first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I applied for the Bank of America Small Business Checking Account on XX/XX/XXXX. They had a promotion going on ( Promo code XXXX ) where if you deposited {$1000.00} or more within the first 60 days of account opening, that they would award a {$200.00} bonus. The exact wording of the promotion was " You must : ( 1 ) be approved for and open a new Bank of America Business Fundamentals Checking or Business Advantage Checking account online by XX/XX/XXXX '' I applied on XX/XX/XXXX and received an email confirming my account approval that day ( XX/XX/XXXX at XXXX XXXX  ). This falls in the time frame of the bonus. I have screenshots of all of these things. I met the {$1000.00} deposit requirement on XX/XX/XXXX but wasn't awarded my bonus. I called Bank of America on XX/XX/XXXX and they said I wasn't awarded the bonus because my account wasn't " technically open '' until XX/XX/XXXX. The bonus requirements state that I have to apply and be approved by XX/XX/XXXX. As mentioned earlier, I received my approval email on the afternoon of XX/XX/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 10/26/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. ().
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My Credit Report from XXXX gave the below alert. 

Citicards CBNA have mentioned " A lender reported that you did not pay them on time, and the account is now 30,60 or 90 days late ''. 
Account Number : XXXX Ammounte Delinquent : {$210.00} Payment Status : Late 120 days Consumder Statement Canceled by credit grantor. 

I never had this Citi account. 

Could you please help me in removing this Bad Credit on my Credit report! 

I have XXXX Sears Citi Credit Card : ( Never used these cards for a long time ) 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 monetary relief
Consumer complaint received 08-11-2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX, I have been trying to contact Statebridge for way too long now. I need my pay off in writing as soon as possible. I will be paying my balance when I receive this information. 
It is impossible to speak to a person ... 
I 'm at my wits end, and I 'm ready to move on. This company has been a nightmare from day one, when my old bank sold them my loan. 
Not happy .... thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Payday loan) with Lionstone Holdings Group (NV).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Got call/voicemail from " legal courier '' XXXX XXXX from protected number who stated that he will be delivering legal papers to my home address on Firday and to make sure that I am available. This papers are filed against me in case with my SSN and provided me with reference number ( XXXX ). He also said that I need to contact issuing office at XXXX with any questions. Same voice mail message was left at my parents home phone number and I never listed that number as my phone number. I called given number and it was anwered by XXXX XXXX from Lion Stone Holding LLC who state that they filed case agains me for debt of {$1400.00} and if I do not pay it immediatelly I will be subject to legal case and possible arrest. I end up paying XXXX i have copy of " receipt '' as well as voicemail message available for further reference. After doing some research no " legal courier '' XXXX XXXX exist. I beleive it was a scam.

Company response to consumer: Closed with explanation