milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was the victim of identify theft in early 2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred various 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX XXXX account, and several 30 day lates on my lending club loan account. I have been working with these XXXX creditors and the XXXX credit bureaus ( XXXX, XXXX, and Transunion ) but they do not seem to fully appreciate the issue. I dont feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agencies. When I speak to the credit reporting agencies, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identify theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft.  XXXX ,  XXXX , and Experian refuse to remove fraudulent inquiries from my credit report and I am attachin g two copies of their responses to this complaint along with yet ANOTHER polic e report and notarized letter disputing the inquiries.   They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.

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 11-04-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Great Lakes received my certified letter XXXX/XXXX/2016 requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual evidence bearing my signature AND marking my account dispute with the credit bureau. As of XXXX/XXXX/2016 Great Lake has not provided any proof or markings on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Credit card) with ZWICKER & ASSOCIATES (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a citation/lawsuit threat from a company I have never heard of or dealt with named Zwicker & Associates. They have not contacted me before now but yet claim they are suing as XXXX XXXX. XXXX XXXX informed me that they charged off the debt in XXXX XXXX. My husband was speaking with a company known as XXXX and negotiated a settlement with them in XXXX XXXX for the debt they had purchased from XXXX. I 'm not sure why this other company says they are now DBA XXXX XXXX - or if they are even affiliated with XXXX XXXX. They sent a plain clothes man to my house after XXXX on XXXX/XXXX/XXXX. He looked through my window and waved at me which I found quite disturbing, considering that it 's just me, my elderly mom and kids left at home. I cracked the door and he said he had something for XXXX XXXX. I thought he was dropping off something for my ill XXXX year old mother ( named XXXX XXXX - who I am caring for ) but then I saw that it in fact had my name on it, and it was referencing collecting for XXXX - and not the $ XXXX settlement that my husband negotiated in XXXX with XXXX , but an amount exceeding {$20000.00}. I knew that XXXX ( my late husband who died suddenly last XXXX ) had negotiated with XXXX years earlier. A search through his office files shows notes and a check copy to XXXX - not this " Zwicker & Associates ''. I have not been contacted by XXXX or XXXX since he settled the debt in XXXX. I assume XXXX bought the charged off debt from XXXX in XXXX of XXXX. Did XXXX or XXXX " sell '' this account AGAIN to another debt collector?? If so, who has the $ XXXX of the original settlement from 2 years ago? Does this company know of my husband 's sudden death and now they are trying to threaten me into double paying it because my husband 's last name is n't on it? I am a new widow with XXXX young sons to raise, huge bills, IRS installment payments from my late husband 's now defunct business ( which died with him ). I can not afford to hire an attorney to fight a threat that has no explanation or details attached to it, or accountability on the part of XXXX or this " Zwicker & Associates ''. There are a ton of complaints and legal issues online all against Zwicker & Associates, so I do n't know if they are legitimate or a scam. What are my rights to protect my family? I do n't understand how companies can legally file a suit or judgement against a person without ever contacting them before, let alone having no proof of a claim. Can you please help me or direct me to someone who can?

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (I do not know) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Afni collection services placed a fraudulent account on my credit. They sent me a notice to collect on the debt however when I viewed my credit the account was already there before they attempted to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (MN).
Issue: Managing the loan or lease

Complaint: My husband ran the car into a pole, attempting to avoid a dog in the street. The care was deemed a total loss on XXXX/XXXX/2016, my due date for payments is on XXXX/XXXX/2016. I thought the claim would be finalized by then, but it was not. I made over 15-20 phone calls to the insurance department at Regional Acceptance, and XXXX XXXX in the insurance area. I asked XXXX. Acceptance to expedite my claim, for XXXX XXXX of XXXX XXXX claims adjuster phone # XXXX. Claim # XXXX, to verify information, my claims adjuster was waiting for a letter of guarantee, of which the process took 4-6 weeks to send this letter. The process was taking so long, that I spoke to XXXX XXXX at regional Acceptance about the amount of time it was taking to complete the process, so she offered an extension, of which I was not sure why I needed an extension on XXXX/XXXX/2016, until XX/XX/2016. The process was not completed by XX/XX/2016. The timeliness of XXXX XXXX is unacceptable. I have never in my life, known for a total loss to take almost 3 months to complete. The Gap Insurance process my claims in a matter of days once everything was received XXXX XXXX XXXX XXXX, claim # XXXX. All of the information can be verified by calling any of these entities, in fact, I am enclosing additional information. I do believe I owe any more money, these is time limits on when and how much time these process should take and I should not have to be penalized for someone else lack of good customer service in processing this claim. The amount of time it took to process this claim is unacceptable. I never received a call from XXXX XXXX ever. I just got excuses for Regional Acceptance for the length of time it was taking. The amount is unfair. I do appreciate your time in considering this matter. The amount of my payment each month is XXXX, but the amount Regional acceptance reports is still owed is XXXX, for two months and no one can give me an explanation as to why it is this amount.

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 09/20/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX I BORROWED {$67000.00} FROM XXXX.. TO THIS DAY THEY HAVE SAID I BORROWED {$210000.00}. MY MORTGAGE PAYMENT WAS {$1800.00} PER MONTH.
I WROTE THEM AND ALSO CALLED THEM AND TOLD THEM I COULD NOT PAYMENT AMOUNT OF MONEY PER MONTH MY INCOME WAS NOT COVERING THAT. THEY TRIED TO FORECLOSE ON ME IN XX/XX/XXXX. I HIRED XXXX XXXX XXXX OUT OF XXXX FL/XXXX XXXX FLORIDA. WE WENT TO COURT OVER THIS MATTER AND XXXX THEN SOLD THE MORTGAGE NOTE TO PENNYMAC LOAN LLC. PENNYMAC CONTIUED WITH SAME PRACTICE THAT XXXX HAD PERFORM CONCERNING HOW MUCH I OWED BACK. THE AMOUNT WAS NOW {$1400.00} PER MONTH. THEY LATER MODIFIED THE MORTGAGE MONTHLY TO {$1100.00}, JUST RECENTLY ( XX/XX/XXXX TO XX/XX/XXXX ) SINCE XX/XX/XXXX I CONTACTED PENNYMAC AND TRIED TO REASON WITH THEM ABOUT THE {$1100.00}. XXXX  BIENG TO MUCH. WED., XX/XX/XXXX IN FORMING ME THAT THEY HAVE SOLD THE MORTGAGE TO XXXX XXXX XXXX CUSTOMER SERVICE DEPT. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX/ PAYMENT OFXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. PENNY MAC TOLD ME THAT EVERY TIME THE NOTE IS SOLD THAT THE BUYING COMPANY ADD TO THE PRINCIPAL MAKING THE AMOUNT OWED GREATER WITH EVERY BUYERS PURCHASE OF THE NOTE. WITH XXXX BACKING PENNYMAC WITH SAME STATEMENT. I WENT FROM BORROWING {$67000.00} TO OWING {$21000.00} PRESENTLY. LOAN # XXXX NOW THE ESCROW THAT I WAS PAYING ING MY PAYMENT HAVE BEEN CANCELED, WITH XXXX XXXX XXXX. IT IS NOW MY RESPONSIBILITY. IF MY ESCROW IS PAYED UPTHEN WHY DID INOT RECEIVE THE OVER PLUS?????

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit card () with U.S. BANCORP (NJ).
Issue: Rewards

Complaint: I have paid a {$50.00} annual fee for my US Bank XXXX XXXX Platinum Visa Card and the cardmember benefit statement stated as one of the benefits " bonus award night exclusively for card members ''. I have now learned that this benefit is being removed from XXXX XXXX, 2015 without any fee refund or grace period to use the benefit until the anniversary of the fee having been paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Payday loan () with CNG FINANCIAL CORPORATION (WI).
Issue: Payment to acct not credited

Complaint: Received a call today as a message. 

You or your attorney call XXXX XXXX XXXX XXXX Figured out who called by looking up the number with the XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX, XXXX, NY XXXX Called and asked XXXX XXXX XXXX as message stated. 

Basically I was told that they wanted {$2100.00} today. I said I could not pay that and that I would look into monthly payments if they sent me the original agreement. 

Told XXXX XXXX I would call him back on Wednesday, XXXX XXXX, 2016. 

I would like the CFCB to be the go between.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Consumer Loan (Installment loan) with BANK OF THE WEST (AZ).
Issue: Managing the loan or lease

Complaint: The Bank of the West loan reports on my credit as " Charged-Off ''. However this loan should never have been " Charged-Off '' as I was covered by GAP Insurance. 

In addition to this erroneous reporting ; My report dated XXXX XXXX, XXXX reported this item as charged-off XX/XX/XXXX. Bank of the West has now changed the charged-off date to XX/XX/XXXX and then again for the 3rd time with a new charged-off of XX/XX/XXXX. This company clearly keeps reporting erroneous inaccurate information on my credit report. 

This new charge-off date has dramatically lowered my credit rating/score and has damaged me greatly. Potential creditors see this as a " NEW '' item that is in default ; which should NEVER have been reported as " Charged-Off '' in the first place. 

Re-aging an item is a violation of the FCRA. Furthermore this erroneous information has caused me to be turned down for home financing. 

The reporting also shows a balance of {$250.00}. I was never notified of a due balance because I had GAP insurance, there should not have been a due balance. 

I 've disputed this erroneous item with XXXX, XXXX and XXXX and Bank of the West has verified that the information is accurate. Which clearly is not.

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 03/22/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). the lender has also not allowed the clients counsel to assist the client in retaining the home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/2016, I sent a letter to Experian complaining about several inquires that were showing on my credit report. I sent them a letter from XXXX XXXX for a XXXX XXXX inquiry that I never made. In the letter from XXXX XXXX they agreed to remove the inquiry and notify the credit bureaus. Experian still shows this inquiry despite it being over 90 days old and requested to be removed by the creditor. See attached letter as proof. I believe Experian is violating my rights in delaying the removal to purposely keep my score. I demand the inquiry be removed immediately without any further delay.

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 08/31/2017 about Debt collection (Other debt) with Focus Holding Company (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX/XXXX XXXX XX/XX/XXXX-XX/XX/XXXX I started services with the company in XX/XX/XXXX. In XX/XX/XXXX-XX/XX/XXXX, my bill skyrocketed to over 1200. After numerous calls, every month, to XXXX who would refer to XXXX XXXX, who would then refer me back to XXXX, I finally reached a XXXX Representative who investigated the charges. I was reimbursed by XXXX, for 11 charges to reconnect my services. XXXX then sent XXXX XXXX a reimbursement assessment of {$1000.00}, due to unauthorized charges of {$40.00} per month of Movie Channels and {$50.00} per month of a sports package that was never authorized. ( see documentation ) I spoke with XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX, who stated that the reimbursement was on file and had not been released. I ended up closing my XXXX XXXX account, as they continued to not reimburse the monthly charges, and stated that they could " only reimburse my account x 90 days ''. 

From there on out, I have had to dispute the charges over and over through XXXX XXXX, who then sold my account to a collection agency 3 times. I worked with the XXXX XXXX XXXX to have the first 2 collections removed from credit reports. As of XX/XX/XXXX, a new XXXX XXXX, XXXX XXXX, placed the collection in the amount of {$1200.00} on my credit report. I have disputed the collection and as XX/XX/XXXX, the collection still remains. 

This has been to say the least, frustrating, and I am at my wits end. This is unfair practices on behalf of XXXX XXXX and their unwillingness to remove the unauthorized charges to my account and reimburse me in the amount of {$840.00}. These collection agencies harass and threaten and most importantly ruin my credit score, that I have worked so hard to keep my credit good. 

I do n't know where else to get assistance on this, I contacted a lawyer, that was currently in a lawsuit with XXXX XXXX for unauthorized charges, however the practice is out of state. I reside in Pennsylvania.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Shopping for a loan or lease

Complaint: In 2014 I entered into a lease with XXXX and over my time with the lease I have spoken with many peers and individuals who have pointed out the exorbitant rate I am paying for my car lease relative to others with comparable means. My credit score was " good '' at the time of purchase and I traded in a car as down payment. The only remaining conclusion is that I am the victim of their predatory lending practices, as I am sure many others from the neighboring working class community have been. Despite bringing this to the attention of XXXX and Toyota Financial and offering opportunities to rectify the problem with a new, more appropriate lease based on my history with their financial institution they continue to offer no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Trouble during payment process

Complaint: They trying to change the term of the loan agreement I have pay my insurance and my taxes separated and they forced me to get the insurance together with the mortgage I been having making payment on time I have receipt and they send me a letter telling me that I am behind  XXXX  and if I do n't pay in 30 day they will trying to do forcloure and I call them and know they said it 's a mistake that they will let me know later how much I owed them I want them to stop forcing me to have the insurance and mortgage together and explain to me in details all my payments we never received details of my payment

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 11-03-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My wife, XXXX XXXX XXXX, has mortgaged our home to " Chase ''. Property address : XXXX XXXX XXXX, XXXX, Mi XXXX. Chase Loan No. ending in " XXXX '' .Our regular monthly mortgage payment amount is {$410.00}. On or about XXXX XXXX we made the arrangement to have that amount drawn from our " My Personal Credit Union '' checking account, and that arrangement was confirmed with " Chase ''. On or about XXXX XXXX a " Chase '' letter dated XXXX XXXX, 2015 was received by us stating among other things that due to a credit of {$170.00} against our account our payment for the month of XXXX would be {$240.00} ( the basis for the credit was not disclosed ). We thereafter made arrangements with " Chase '' to have that amount withdrawn from our account for the XXXX payment as that letter stated. Thereafter, a letter was received dated XXXX XXXX and another dated XXXX XXXX from " Chase '' stated a payment of {$410.00} would be withdrawn from our bank account for the XXXX payment. We immediately called " Chase '' -spoke to a representative and confirmed the payment of {$240.00} ( confirmation # XXXX. ) We now as of XXXX XXXX XXXX have received credit call from " Chase '' demanding $ XXXXXXXX/and no explanation of the " credit '' disclosed in the verified " Chase '' letter of XXXX. XXXX phone calls to " Chase '' since the XXXX XXXX " draw date '' have accomplished no settlement ; but a repeat of the demand for the Regular monthly payment. We surmise that the " credit '' was a return of Attorney fees assessed against our account for foreclosure actions taken by a law firm in XX/XX/XXXX/XX/XX/XXXX 2015. Undoubtedly Credit Agencies have been informed of a missed monthly mortgage payment for XXXX 2015 with the negative effects thereon. We believe " Chase '' has violated the Fair Debt Collection Act. We want our account audited with a Report issued thereafter and all credits due placed on our mortgage account, credit accounts and payment of any applicable penalties assessed against " Chase '' and in our favor. We have tried to resolve the matters with " Chase '' by phone and have accomplished nothing another than repeats of demands for late payments to be made. Thank you for working your way through the details of this administrative nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Vehicle loan or lease (Loan) with United PanAm Financial Corp. (AZ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Early XXXX, I spoke to a representative and they offered a 2 month deferment.  I submitted the information onXX/XX/XXXX for the two month deferment.  Today I got an email from a XXXX XXXX XXXX  stating they have been trying to get a hold of me.  I received phone calls prior to signing the deferment.  AfterXX/XX/XXXX when I submitted the deferment, i received no phone calls... So, I assumed everything was processed and taken care of... Today I spoke to a manger by the name of XXXX and she explained the deferment was expired. The representatives at this company have bad manners and are very rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Midland Financial has called  several times attempting to collect a time-barred debt that has since expired past the  Statute  of Limitations. The debt indicated was from  XXXX   XXXX  for the amount of {$2500.00}.     They have indicated falsely to me that it 's not a time-barred debt, and have also falsely indicated a wrong statue of limitations.     I was called several months ago and told them this, and told them not to call me anymore and they repeatedly have and have implied they can sue me for this.     This evening I was just called by a "  XXXX   XXXX  '' whose supervisor he said was "  XXXX   XXXX  '' and repeated these claims.

Company response to consumer: Closed with non-monetary relief