milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (NC).
Issue: Struggling to pay mortgage

Complaint: I Contacted your agency before. then i called planet home lending again and they sent an email with new terms to stop foreclosure but they doubled the payment amount saying im having to pay lawyer fees etc. and that the payment would be doubled until XXXX and in the email paperwork it said that the actual fees for the attorney etc, could BE MORE. and that the status is still foreclosure until all of the money is paid. In other words, I might pay this money and they foreclose anyway on a whim, at least that is how I am reading it. 
Ever since I tried to make the payments on the property back inXX/XX/XXXXI have been given the 'we are foreclosing XXXX '. and they refused payment, even though I had a paper from them saying they would help, They even told me back then that since I 'm inheriting the property instead of being the actual owner of the loan, they were refusing payment from me and were foreclosing. 
Only after I said i would report them for predatory lending to a federal agency and sent them paper work from the county courts office showing I was also adminisitor and executor of the estate, did they accept any money. And after that, when I tried to make another payment, I got the same thing, over and over and over. 
I 'm not the only one this has happened to. 
I looked them up on the Better Business Bureau 's website, and NUMEROUS similar complaints have been lodged against them. Their rating on the site is a C+ I have also seen numerous complaints against them via reviews on XXXX XXXX. 
I believe my Civil Rights are being violated due to my age. and because I am a XXXX ( XXXX XXXX ) Now this is happening with the contract they have sent. no concrete fee 's from their attorneys and they can still foreclose at any time? Seems to me like MORE PREDATORY LENDING. 
They even told me before sending me this contract, that I should send them {$1200.00} as a payment, even though they were going to foreclose on the property anyway. I 'm considering looking into contacting Civil Rights attorneys about this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/18 I contacted XXXX XXXX XXXX at XXXX to settle an account with them. Agreed settlement was for {$280.00}. I gave them my debit card number and authorized them to debit my account the same day. I also asked that they provide me with a letter showing that the account has been paid in full. Needless, to say after having over 10 conversations with various agents at Portfolio Recovery Associates, my issues has yet to be resolved and they have obtained the authorized payment from my checking account. I was lied to several times by several different managers ( however I am not sure they were really managers ) Portfolio Recovery would state that they didn't know the person I was asking to speak with? They also sent me a letter stating that I still owed them a payment after agreeing to a settlement on the account. The could not tell me a reason why the letter was incorrect. The last person I spoke with by the name of XXXX XXXX who claimed to be a manager stated on XX/XX/18 that he would email me the letter I was requesting to show that my account had been paid and settled in full. I spent numerous hours on the phone trying to obtain a LETTER from them to show my account had been paid and this is has cost me not being able close on my mortgage in time. I am absolutely FURIOUS that this company is allowed to behave in such a manner and exhausted to say the least that this has taken up so much of my time when I was only trying to pay them and settle this account!

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Medical) with Seattle Service Bureau, Inc (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from NATIONAL SER. I had previously disputed this account. I have never done business with NATIONAL SER. Pursuant 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 NATIONAL SER 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 NATIONAL SER Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed
Consumer complaint received 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has inserted a phone number, into the credit report they maintain on me, from those committing fraud and stealing my identity to take out a credit card in my name. They apparently attained the number from XXXX XXXX, the company issuing the fraudulent credit card in my name. I have been the victim of ID theft four times in the last XXXX years, with the last XXXX occurring when I had a freeze on my credit. However, the thieves have gotten credit cards from XXXX XXXX each time anyway, using my credit with Experian and XXXX as well. Now they have allowed the thieves to insert their telephone number in my credit file. Additionally, Experian has mysteriously lowered my credit score XXXX points, for no apparent reason when there has been no negative reports or activity. Please investigate to get Experian to stop being part of the fraudlent activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2018 about Debt collection (Other debt) with Atlanticus Services Corporation (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had taken out credit for future services for company " XXXX XXXX XXXX ''. The company then declared bankruptcy and went under and did not give me the services that I had paid for and was continuing to pay on. The dept was sold to company " XXXX/ATLANTICUS '' and they are currently attempting to recover the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit reporting () with GENERAL MOTORS FINANCIAL COMPANY, INC. (VT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: it says that AmeriCredit ran a report on XXXX/XXXX/15 I do not know how this happened I never said that this could happen the only report that should of been runned that day is for XXXX XXXX XXXX XXXX, VT. 
What can we do to fix this problem. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been greatly affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.

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 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I recently received a credit card from XXXX XXXX on XX/XX/17. The new credit card came with a notice stating that I was entitled " Under federal law ... the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : XXXX. '' It gave three options for contacting XXXX, including " On the web : XXXX XXXX ''. I proceeded immediately to the website to get a copy of my credit report. It asked for some details and I proceeded, never giving any indication that this was a subscription product or that I would be charged for this transaction. XXXX billed me {$21.00}. I called XXXX customer service immediately upon discovering the charge and informed the Customer Service Representative that I was trying to obtain a copy of my credit report, as indicated on the notice from XXXX XXXX, without charge under federal law. She stated that no such option existed on XXXX, and that I needed to go to XXXX. I reiterated again that the notice from XXXX XXXX said to go to XXXX. I ensured the subscription was cancelled. 

I then called XXXX XXXX, as the CSR from XXXX was rude and unhelpful. The CSR for XXXX XXXX politely advised that there were no options for me to pursue with XXXX XXXX until the charge posts fully to the account. As of now, it is still a pending charge. 

Clearly, between XXXX XXXX 's notice and XXXX 's apparent attempt to fraud customers into buying a subscription for those looking to obtain the credit report they are legally entitled to receive free of charge, there is a lack of fairness and transparency on behalf of one or both companies. Please assist, CFPB.

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 01/25/2017 about Credit reporting () with ENCORE CAPITAL GROUP INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no contract with MIDLAND FUNDING. They are a known liar and fraudulent company. 
They need to PROVIDE ME PROOF that I signed my WET INK SIGNATURE with their company as they are reporting that I OWE them money as reported by XXXX on my XXXX 

TO MY knowledge, I HAVE NOTHING with them and therefore this debt is INACCURATE and A LIE/FRAUD. They are attempting to collect a debt I DO NOT OWE. 

Here 's what I just received by XXXX : Date ReportedXX/XX/2017 Collection Agency MIDLAND FUNDING Moved to Collection XX/XX/2017 Account NumberXXXX XXXX Balance Amount {$3000.00} Status Collection Source XXXX Credit Report Note : Because XXXX might be monitoring multiple credit report sources, we might send you similar looking notifications for this same activity. 
Questions? Please contact : Collection Agency MIDLAND FUNDING Phone XXXX Address XXXX City XXXX State CA Zip XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Debt collection (I do not know) with NRA Group, LLC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a letter in the mail dated XX/XX/XXXX from XXXX XXXX XXXX saying I owe XXXX. The letter stated this is an attempt to collect a debt. Unless I notify there office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. I mailed a certified letter to XXXX XXXX XXXX dated XX/XX/XXXX requesting validation of the account. I did not hear or receive any documentation response for XXXX XXXX XXXX. On XX/XX/XXXX I get a email from my credit report monitor service saying an collection account been added to my all three credit agency and it was XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Went to XXXX Dealership inquire on car to test drive. However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I wouldn't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from . I didn't authorize any of those lenders to pull my credit. Not sure how they got my information .  XXXX XXXX XXXX XXXX, MIXXXX(XXXX) XXXX XXXX XXXX, MNXXXX(XXXX) XXXX XXXX XXXX, NVXXXX(XXXX) XXXX XXXX, RIXXXX(XXXX) XXXX, TXXXXX(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 01-11-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Account opening, closing, or management

Complaint: My chase checking & savings accounts was closing. When inquired I was never given correct information why the account was close. Even the phone operator hesitated to give then ID & name saying as for the policy. My account was closed with a positive balance which they sent me a cashiers check. 
Now I have a past due balance notice and when inquired what the past due is, they are failing to provide any kind of bill other than the bank statements that I already have. 

I am worried that they will send this to collection and destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: When I observed the debt was reporting on my credit report ( s ) I contacted all XXXX credit bureaus and disputed the debt so far XXXX has been the only XXXX to remove the debt all other bureaus have advised that I contact the creditor as the debt has been verified. I sent a request to Gulf Coast requesting validation of the debt twice I have certified mail confirmation that they received it on XXXX XXXX 2016 and a second request XXXX XXXX 2016. As of date the company has refused to respond to me and continues to report monthly on all of my credit reports. I am demanding that this company removes the debt from all XXXX credit reports as they have failed to respond to my request as ample time and chances have been given. Their failure to comply with FDCPA regulations has harmed my credit drastically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: When attending  XXXX  school I took several private loans. I was unaware at the time but some of the interest rates were exceedingly high. At the time I was unaware and uninformed of the loan process. When I graduated the loan company began to call me constantly and consistently. I went back to school because the loan amount was too large for me to handle and thought by going back to school it would increase my income. In  XXXX , from  XXXX  to  XXXX  my account fell into a 90 day delinquency. This was due to a family issue, as well as my transitioning into a   XXXX   XXXX  . I am now aware that there could have been more constructive methods of handling this situation but at the time I did not see how it was possible. Now am I facing over a {$100000.00} in private debt alone and can not consolidate my private loans until  XXXX . I am requesting a reduction in some of interest rates mainly the ones that are 10 % and higher, with an emphasize on the loans that are currently at 15 %. I do not see how it is manageable to pay rent, a car loan, and buy groceries with this crippling debt. The lender is requesting  XXXX  dollars monthly. This seems unreasonable and with my other financial responsibilities it is something that I just can not do. My estimate gross monthly income is roughly {$2400.00}. I can not see how I could possibly make these payments and survive.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 recently pulled my credit report from XXXX and noticed many accounts listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX multiple times and the results of the investigation have always came back as " verified ''. I did not have an account with any of these creditors during this time period. 
Since I have disputed the account with the credit bureau, and they have verified them, I would like to see what sort of records they have for these alleged accounts. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter.
In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with these companies. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in reporting accurate information on my credit report. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period.
To avoid a lawsuit, I request that you remove the accounts from my credit report. Please delete these listing or I will be forced to seek legal action.

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 05/18/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I filed XXXX times before complaints against " XXXX '', " XXXX '', " XXXX '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XX/XX/XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by XXXX Politicians or because Corporations are Governing America???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: debt was included in a bankruptcy Chapter XXXX case number XXXX, this was filed on XX/XX/2016. this should be removed. I disputed this account to the XXXX credit reporting agencies and the creditor and they did not remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Navient Solutions, LLC. (VA).
Issue: Other transaction problem

Complaint: My mortgage went  to Navient fo r a  Student Loan  payment in the amount of {$1200.00} on  XXXX / XXXX /  XXXX   by my web bill pay service. I calle d Navient for  a refund and they said that they would not be able to give it back because my {$150.00} payment was late. It was sent to my mortgage who in turn gave it back in  two days so that I could give it to Navient, which I did. My mortgage payment was due on the first, I advised Navient of this and they said it could take 5- 10 days to ge t it back but they would expedite the service. My mortgage was late on  XXXX / XXXX /  XXXX  , and I still have not gotten the {$1200.00} back from  Navient al though they have pulled the money from my student loan account 15 days ago. So I can not pay my mortgage and my student loan is getting interest on {$1200.00} less because they have removed the payment but have not given it back to me. I am charging them {$170.00} in fees associated with not returning my payment in a timely fashion although they pulled it from my loan.

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

Complaint: Due to Equifax lax security, my PII has been leaked, alojg with all of my credit/financial information.

Company response to consumer: Closed with explanation