milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2015 about Debt collection (Payday loan) with Real Time Resolutions, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was laid off my job and this account was turned over to a collection company called Real Time Solutions. I received the letter from them in the mail and I called them to make arrangements on the account. I spoke to XXXX XXXX who set up a Hardship Agreement with me to make payments for {$150.00} a month for XXXX, XXXX, and XXXX of 2015. I was told to call back and set up more arrangements after those payments were made and I did to find out XXXX was no longer with the company and I spoke with XXXX who offered me a settlement on the account of {$1800.00}, and to make payments of {$150.00} a month for 12 month. XXXX representatives confirmed and assured me that they would not report me with the XXXX Credit Reporting Agencies and the account was settled. Since I have paid as agreed.I was also suppose to get a letter in the mail confirming the settlement of which I have not received. Today XXXX XXXX I received a email alert from XXXX XXXX where they did report me to the credit reporting agencies on XXXX XXXX, 2015 and are showing it as a new collection account open not settled for the entire amount that was owed. I called in and spoke to a Manager XXXX XXXX and he would not assist me. He told me even though it was reported after I was told it would not be and reporting inaccurately I would have to file and write a dispute letter to their company to correct it even though it was their error for reporting it. He also mentioned that the account could have been purchased by their sister company and reported by mistake? I would like the collection to be completely taken off all my credit reports as promised. I do not owe the amount reported and was told since I paid on time and settled the account they would not report it. I am set up to make my XXXX payment starting XXXX XXXX, 2015 by auto payment. He also stated that because the account was not paid in full they could report the original balance it was their right by Federal Guidelines. The conversation was recorded so you can request to hear the conversation. Lastly from the beginning I was told that because I have paid as agreed and entered into the settlement the account would not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XX/XX/XXXX CFPB : XXXXXXXX sub-contractor XXXX XXXX stole, from XXXX XXXX XXXX, XXXX, IL XXXX, my plats of my Homesteads XXXX XXXX XXXX and XXXX XXXX XXXX, both in XXXX, IL XXXX, and refuses to return them to me or surrender them to the State of Illinois Treasurer under the Illinois Unclaimed Property Act. 
I need XXXX to supply me plats of my Homesteads. 

XXXX XXXX XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I am XXXX XXXX with a XXXX XXXX XXXX XXXX called XXXX XXXX by XXXX XXXX XXXX. I have no savings accounts, no real property, and no other assets. Unable to work, I am barely making ends meet. 

I contacted Navient regarding my private student loan and explained my situation. They said I had to continue to make the payments in full. When I was unable to make the payments, Navient began calling me constantly. For months, Navient repeatedly called me every day starting at about XXXX XXXX. Navient called me as many as five times per day, sometimes placing three calls within five minutes of each other. I estimate that Navient called me more than 200 times over a four month period in 2017. D
uring the summer of 2017, I explicitly demanded during a call with a Navient representative that Navient stop contacting me effective immediately. Navient should have stopped contacting me following this conversation. Yet, Navient gave me just one day of reprieve before it resumed its abusive practices.

I have since had to contact an attorney to get Navient to stop its constant and relentless harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I have been paying a XXXX mortgage on our other house that my stepson and his family are living in. In 3 1/2 years they have maybe payed me a total amount of {$1500.00} and the mortgage is almost {$800.00} pr month. I have called Green Tree ( mortgage ) co and asked for modification to lower the payment. After getting all of the paperwork together we were denied. I at that time tryed to get in touch with my Account Manager at Green Tree and found that I have my third different account manager who in turn told me not to make a mortgage payment 4 four months and that will force Green Tree to help with lowering the payment. That did n't sound right and I heard of CFPB through a title servicing company. So I am writing this letter and asking to get the right and legal help for my situation. On Wednesday, XXXX XXXX 2015 I found out that I now have my fourth account manager in the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: with Equifax For the past week I 've been trying from XX/XX/XXXX - XXXX-XXXX 2017 to initiate online disputes for 4 medical collecations that have all been removed from XXXX and XXXX. They have such high volume calling I ca n't get through and you can not initiate the dispute f I 'm the app or web portal. I 'm a paying member of their site and ca n't get disputes started with them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian XXXX, TX XXXX Re : XXXX - Account Ending XXXX. 

I am writing to ask that you delete my entire record from all credit reporting, since I have tried numerous times to contact the collections company XXXX has referred my account to : XXXX XXXX, XXXX Executive Response Unit. XXXX XXXX. 
XXXX, Office of the President, XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. XXXX. 
XXXX XXXX, VP Client Servicing I have had XXXX success in doing so, since they claim it is a XXXX account. 

In addition, I have made consistent payments to XXXX over the years and as a responsible person, and yet XXXX is still reporting me as not paying. 

This must be rectified immediately, since as I was told via my phone call XXXX does not manage this debt, XXXX XXXX XXXX XXXX XXXX does. 

I am reporting this mis-reporting to CFPB and each individual reporting agency. 

I look forward to your response. Thank you for your consideration. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA 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 12-12-2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (CO).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I applied for a car loan at XXXX XXXX XXXX dealer on XXXX XXXX 2017. They ran my credit and told me everything is good and I drove the car out of the lot. For 5 weeks they kept running my credit even though I had been approved for a loan with XXXX. They wanted to only go with XXXX XXXX XXXX XXXX. This is a predatory lending practice. Therefore I could n't register my car in time, I could n't get a parking pass in my residence and my credit score kept going down. I have finally received a Bill from XXXX XXXX XXXX XXXX. There is NO contract or initiation package included that confirms the terms and conditions of the loan. There is NO online customer support. They do NOT answer the phone they have enlisted in the bill and they expect me to pay them in 3 days. I can not pay a bill until I confirm it is a legitimate financing company with the terms that I signed the contract for. The dealer is not helpful at all either.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a text message on XX/XX/XXXX from my general manager at my place of employment letting me know someone was trying to get in touch with me and he gave me their information. I called the number and gave them the reference number. I was then transferred to a gentleman claiming to be from XXXX. He had all my information, social, amount I currently have available on my credit cards and so on. He told me I owe money for a credit card I had in XX/XX/XXXX. I asked why I had n't received anything in the mail and he told me they had sent it, the mail service can be unreliable. I said I wanted something in writing from them, to prove they are who they say they are. I mentioned that I had n't seen anything on my XXXX credit report and he said it was because I needed to check my XXXX one. I told him bottom line I did n't feel comfortable settling for XXXX and issuing a credit card payment without any knowledge of who they are. He said he could send me a generic email, that would n't pertain any type of payment information to set up, just general information. I was leaving for work at the time and he did send the email which did n't even contain a letterhead. I google searched the number they had called from, XXXX, and found numerous complaints about threatening and harassing calls. I also bought my experian credit report and found that a company, XXXX ran a credit check on me on XXXX XXXX, which would explain how he had all my information. I searched that company and found a phone number but when I called that company it was a voicemail saying if I left a message someone would return my call in 24hours. I left it at that. Then today, XX/XX/XXXX around XXXX someone claiming to be from XXXX? called my place of employment asking for the address and my name, my employee then gave the phone to me. It was a woman claiming to be from a processing server company who told me they were planning to come to my place of employment within the next hour to serve me with papers that would require a signature, I said that was fine. She then repeatedly asked if I wanted a number so I could call and have the serving of the papers rerouted, I said no, its fine. She asked what time I would be here until and I said I 'll be here all day. It 's now XXXX EDT and no one has shown up. I explained to my general manager what was going on and apologized for the phone call. He told me that when he was contacted yesterday the woman on the phone was telling him they needed to contact me immediately or that was it, I would lose my chance of any resolution. He also said that he was received numerous call from who he assumes is them again today but he was not answered to avoid any further problems.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received notification about disputing this debt AFTER they had already placed it as a collection on my report. I was NEVER given time to send in my written dispute regarding this invalid debt. It was with another agency and the information could NOT be verified therefore it was removed from my reports. This company has FAILED to verify that I owe such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates, on behalf of XXXX XXXX, will not submit the verification information requested to validate that this is a debt owned by me. They did send me copies of bills with no charges and only balances being mailed to an address that I have never resided at, but no application for me to verify signature or other signature information. I have requested this information twice to no avail from both PRA and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (WA).
Issue: Struggling to pay mortgage

Complaint: I 'm making a complaint about the company PennyMac. I did one modification and when l sold my property, I found out that they put out a second loan to XXXX XXXX XXXX without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reviewed my credit report and noticed my credit was pulled by XXXX. I never used this company for any services or applied for a loan with this company.

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 09/20/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Application, originator, mortgage broker

Complaint: By way of this notice, I want to provide my complaints about Chase Bank USA , N.A . and JPMorgan Chase Bank , N.A . ( collectively, " Chase '' ). 
Chase hires and routinely deals with unscrupulous appraisers that are providing low ball appraisal figures on consumers homes in order to benefit themselves. Specifically, they used XXXX XXXX, XXXX who appears to have subcontracted XXXX. The consumer spoke to XXXX XXXX XXXX. His appraiser I.D . is XXXX. He holds the opinion that Chase would not send him any work unless he provided the most conservative figures when appraising homes. Chase also delayed in its process to close on my refinance deal after its appraiser was placed on the watch list. During the period of delays Chase unjustly enriched themselves by charging the consumer higher rates of interest with respect to a line of credit that turned into an arm. Chase came up with various excuses for delaying the refinance deal ranging from not being able to IRS transcripts on time, appraisal expired, and finally now the truth which is that Chase could not get their investors to accept its hired appraisers ' work. XXXX XXXX XXXX ( Chase Processor ) and XXXX XXXX XXXX ( Chase Supervisor ) repeatedly failed to answer phone calls and emails, and left this consumer in the dark. We repeatedly spoke to XXXX XXXX XXXX and learned that XXXX XXXX XXXX was mis-informing us. In fact, it was quite normal for XXXX Chase employee to routinely contradict what the other was saying.During the past several months while in this process Chase has been unjustly enriched itself by delaying the approval of my refinance loan while profiting off the additional interests its charging on the existing line of credit while failing to approve our refinance deal. We have hundreds of emails and Chase statements to confirm the abovementioned. The only Chase employee who has remained truthful during this entire process is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Medical debt) with Capital Recovery Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: the company has been contacted more that once to let them know that the debit did n't belong to me and was done via identity theft.

Company response to consumer: Untimely response
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My account I had with XXXX was reported to GC Services Limited Partnership collection agency which I communicated with for a settlement agreement and paid the balance I owed in full. They assured me I would be receiving a letter confirming my balance is paid in full yet to date, I have not received any letter. They are still showing an amount owed to them of {$97.00} on my credit report so they are still affecting my credit despite the fact that I paid them in full.

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 Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a paid judgment of my credit report in the amount of {$1200.00} dated   X/14 . I ha ve mailed copies to all  XXXX  credit bureaus (  XXXX , Experian and  XXXX   XXXX  showing proof that I won this case back in    2014 I b elieve. They only show it being paid and have not removed from my report. It clearly states in the final judgement  " Counter Claim Offset '' so Im not sure why this is listed on my credit report and I would like this information to be removed because it is affecting my credit score although is paid.

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 05/23/2017 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: I am growing so frustrated with  XXXX  's not correcting wrong information under my credit card account on all of my credit reports. I used to have an account with  XXXX  and the number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it  is displaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late with  XXXX   XXXX , and when I had problems processing a payment it was due to the associates errors and lack of communication from  XXXX  's with me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to 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 explanation
Consumer complaint received 05/31/2016 about Credit card () with U.S. BANCORP (WA).
Issue: Payoff process

Complaint: My bank convinced me to apply for a credit card to protect against over draft fees, since i was asking them to waive XXXX ( the only XXXX I had ever had ). This was XXXX ... By XXXX the interest was out of control and I could only make the minimum pmt. My girlfriend paid the bills and the last time she tried to make a pmt they would not let her because her name was not on the account. I hardly charged anything to my credit card- the balance was interest and late payment fees, so I stopped making payments.. I could n't get ahead. This was around XXXX and I was pretty sure it went to collections that same year. I would have thought it would have fallen off my credit report and it has n't. Its frustrating because all of this happened before they changed the laws- So for a {$300.00} credit care I owe {$610.00} - All of the balance is late fee and interest. Can it be taken off my credit report? 

Thank you 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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX XXXX XXXX When I received a copy of my credit report back in XXXXXX 2016, I discovered that XXXX XXXX XXXX STUDENT ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts, and did not even seek a high education or attend college. So these accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was one of the users affected in the security breach by Equifax. My personal information such as name, credit card, SSN, etc, was stolen. The only protection I was offered was a 90 day alert on my account. This breach will affect me for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: this company put a account on my credit report, I never heard of them, I never received anything in writing from them. Just put on my credit report. I Called them to advised them been in past I was fraud victim and I never had a XXXX account at all. 
They told me to pay the bill or they would keep calling me about this call all day long and 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 explanation