milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with Associated Credit Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: in  XXXX     2017, I fille d a report with this company with the FTC, about a collection about the amount for  XXXX , for concept for the bill due for payment.   We did the report with the FTC and I sent the police report I did in date  X/XX/2017   .   The report was closed about the explanation and the paper than support this case, but the company ACS reopen the case in the bureau affecting my credit, for the same case resolved some month ago.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Payday loan () with RFNA, LP (AR).
Issue: Can't contact lender

Complaint: Hi, my name is XXXX XXXX : I am filing a complaint against Republic Finance of XXXX Louisiana : Today I contacted XXXX Credit Bureau Agency ; And the representative made me aware, that Republic Finance, was showing opened on my credit file, as of XXXX/XXXX/2016, I disputed it with credit bureau ; because It 's not my account ; Whenever I had previously disputed this company, they provided XXXX with information saying this was my account. My ex-husband told me numerous of months ago this account was closed : so I followed up and ask XXXX XXXX, the manager at XXXX. La XXXX, and he told me that the account had closed, and that he had reported this to the credit bureau. So whenever I was told the account was still showing opened at bureau ; I once again contacted XXXX XXXX, and he made me aware that the account was refinance ; he told me that he could n't talk to me about the account ; I then asked him, how can you not talk to me about my own account, he refused : without my knowledge he refinanced the account, and told me false information, that he had told the credit bureau that the account was closed. XXXX XXXX fradulent removed my name from account, and did n't bother to report the closing of account to bureau, after I had contacted him to ask him to please close, delete or remove from my records. I feel like XXXX XXXX does n't like me because of my race, he also hates me because I am disable.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: IN VIOLATION OF FDCPA AND TCPA!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, 2016 Dear Sirs, Please help me! I 'm a XXXX old woman on my own, and my home of 37 years has been yanked out of my hands by judges and attorneys into foreclosure. I was working with JP Morgan Chase to apply for a HAMP Loan through the HOPE organization. I filled out form after form, sent them back and never heard from Chase for my Trial Payments. JP Morgan Chase put my home into foreclosure. 
I called JP Morgan Chase in XXXX of 2016. I told them I wanted to send payments to them, but they would not accept my money and would n't talk to me or my son after that. The attorney for Chase, XXXX XXXX. XXXX in XXXX, VA, would not talk to me or my son either. We would leave message after message and nobody would call us back. I could n't find an attorney who would take my case against JP Morgan Chase, so I went by myself to the Court in XXXX XXXX, Virginia, and did the best I knew how to defend my rights. Of course I lost. I have been fighting for the past year to keep my home of 37 years. I 've pleaded with people, attorneys, the investment companies, and Judges and everyone says they ca n't do anything about it once the home is foreclosed on. I do n't believe that! 
After researching on the internet for help, I stumbled upon the The National Mortgage Settlement. I 'm not asking for a class-action money claim, I just want to be able to send payments to continue paying for my Home Equity Line of Credit and keep my home. Because of the tremendous onslaught of applications from the Obama HAMP Program, these applications were not being processed for new loans. They were immediately thrown into foreclosure status. XXXX article said " employees were given bonuses '' based on how many homes they foreclosed. In my opinion, there 's a huge conflict of interest there. What motivation is present from employees to process loans, when they can receive BONUSES for putting them immediately into foreclosure. That is how I got into the situation I 'm in now. The court is trying to evict me. As I write this, a sheriff is trying to give me eviction papers today, XXXX XXXX, XXXX. I do n't want to have to leave my precious home where I have lived for 37 years. I do n't see why I have to give up my home, when the fraudulent practices of JP Morgan Chase, my lender, and XXXX other huge banks and lenders committed fraud by doing these practices. 
I have attached an article from the XXXX XXXX. Please help me! Do n't ignore me. I 'm not a bad person, I just want my home. Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a bill for progress energy that already paid and know I get some phone calls for a collection agency to paid this bill again. I get some harassment calls with treated and legal issue. I get call on my cellphone all the time even during working hours and after dark. I am on the do not call list and still getting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Medical debt) with Capio Partners, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from CAPIO . I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against CAPIO in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Credit reporting () with JPMORGAN CHASE & CO. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: JP Morgan Chase made a hard inquiry on my credit on XXXX XXXX, 2016 without my authorization to do so. Upon notification of the change on my credit I investigated the matter and notified JP Morgan Chase. They sent me a letter dated XXXX XXXX, 2016 stating that they contacted XXXX, XXXX and XXXX and asked them to remove the inquiry from my credit profile. On XXXX XXXX, 2016 the inquiries was still not removed from my profile. I contacted the credit agencies who then informed me that JP Morgan Chase never contacted them and therefore the hard inquiry is still on my credit profile. I contaced JP Morgan Chase again and then proceeded to dispute the hard inquiry with all the credit agencies. I received a letter from JP Morgan Chase dated XXXX XXXX, 2016 which is identical to the first letter they sent which says that they confirm having contacted the credit agencies and asked them to remove the inquiries from my credit profile. This has still not been done and it is likely to affect a life-important transaction I am about to make with my husband. This is definitely not acceptable and this matter must be investigated by a higher authority since I am unable to do anything more than I already have. Both letters referenced above is attached hereto. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (I do not know) with Nationwide Credit Corporation (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: First, let me describe the problem and the abhorrent practices that I believe are in violation of the law. I had to do research to obtain the following information which included obtaining information from the FTC. 

I keep getting repeated calls to my telephone number by the following company : NCC ( Nationwide Credit Corporation ) XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX The repeated calls from NCC have a recorded message ( possibly robo dialed ) for another person to call them, even though this telephone number is not registered in that person 's name and never has been. Further, that person does not live at this address. I've had this number alone for over 32 years. 

NCC leaves only a long distance number to call them which would cost me money. No option to talk with anyone and no toll free number provided as required by law. 

The calls just keep coming, why should I have to pay and waste my money to get a lawless company to stop harassing me when I am not even a party to the debt? 

So I call the FTC & they are able to lookup a toll free number. I have since called NCC and told them that this phone is mine and does not belong to the person they seek ( name provided to them ) & that no such person lives here. I told them to cease and desist. Why should I have to waste my time & be put through all of this nightmare when I am clearly not the person they seek? 

Why are these companies allowed to behave this way? Harassing a person that they know full well is not the individual that they are after? This number is listed and anyone can see that it is not the telephone number for the person that they seek. 

This is abhorrent to keep harassing me without giving me a toll free number or an option to talk to anyone. This is terrorism by telephone and this company needs to be punished for these underhanded, deceitful & unlawful practices. 

I don't feel violated, I have been violated and it's totally uncalled for. Debt collectors are supposed to provide a toll free number if they demand a return call and they have no right to harass the innocent. Hint, my number has a very male name and the person they are after is female. Is this a reading comprehension problem on the part of NCC are do they intend to terrorize everyone with a similar last name trying to get them to pay the debt of another person? This is disgusting XXXX behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (I do not know) with reekside Recovery And Capital Management (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was called by a process server contracted by Creekside Recovery and Capital Management. The process server stated she was driving to the known residences of " XXXX XXXX '' to serve lawsuit-related documents. I told her I was not XXXX XXXX ; I am XXXX XXXX, his son. She gave me two addresses which she was going to ; these were prior addresses of mine. Neither of these addresses has ever been the address of my father and I told her that ; she said she did n't care. One of these addresses is the current address of my mother, who is divorced from my father. I was very concerned that this process server would show up at my mother 's house. I called the number given to me by the process server which is the number of Creekside Recovery and Capital Management. Creekside Recovery and Capital Management refused to identify themselves as Creekside Recovery and Capital Mangegment ; instead they used the term CRCM. They also refused to assure me they would double-check on whether the addresses they were sending a process server to were the appropriate address for XXXX XXXX. So they refused to assure me my mom would not be harassed at her home and they refused to assure me my former landlords would not be harassed at their homes. I have not lived with XXXX XXXX in over 10 years, have no connection to this matter, and believe I am entitled to assurance that no process server will be going to these addresses ( or at minimum that they would take some steps to double-check on where those addresses came from in their system XXXX. Furthermore, I believe it was inappropriate for them to identify themselves using an abbreviation when I asked them for the specific name of their company ; they used the same tactic when my mom spoke to them. In and of itself, this intentional misdirection concerning their identity is a form of harassment ; I had no way of knowing they were a real company and not a malicious group of scammers with private information about my family. Finally, they even threatened to sue me for calling them repeatedly to try to get their full name ; again I was only trying to get their full name to confirm they were a legitimate corporation so that I would not fear for our safety. I only found their name later using XXXX and it required multiple searches. Prior to finding their name I also submitted a complaint to the FTC with reference number XXXX do not talk with my father and do not want to be involved with him in any way ; that 's why this matter is disturbing to me. My mom also does not want any involvement with him or this matter but it has been imposed upon us by the aggressive tactics of CRCM and their contracted process server.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: As a longtime card holder who responsibly pays off his balance every month, I received a promotional email from American Express telling me " do n't forget '' that the card could " allow you the flexibility to pay over time '' during the holiday season and reminded me that I am " permitted '' to carry a balance on the card. The email did not mention that such behavior amounts to taking on personal debt, or that American Express would collect interest on this debt - though, of course, it would.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants and Medical Credit Corporation, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I left my apartment with a zero balance in a month to month lease. This property had no structured management therefore after paying the last month rent to the maintenance man I was unable to retrieve my security deposit or sign out of the property correctly. I decided to move on leaving my deposit. I recently checked my credit report and after 4 years this collection showed up. I checked to see if the property still remained and was able to reach a extremely difficult and uncooperative manager that would not help resolve the issue. I was told I did n't give management notice so they kept my deposit which was one months rent and added a $ 1500+ debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I was trying to lower my interest rate since it was too high ( 8 % ). Because of my work situation I could n't prove my income clearly, that 's why I could n't apply for refinancing, so I had to request for loan modifications. But even modification I got declined many times. But about XXXX years ago they send me an offer saying for XXXX years my interest will be 3.25 % but they increased my principal from $ XXXX to $ XXXX. Because of the pressure of losing home in foreclosure l accepted the offer and start paying on time. Even though after XXXX years they hicked up my interest rate back in 8 % driving my monthly payment from below {$2000.00} to almost double over {$3800.00}. I called many times for them to concider me to pay the same amount for few months so I can find the job and apply for modification but they said there 's no way to help me. After paying all those money and big principle balance now I am stock and in risk of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (I do not know) with I.C. System, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is an account showing up in my credit file that has no clear explanation as to why it 's reporting, I would greatly appreciate if there were a thorough investigation of this matter. And expect a complete removal of this erroneous information on my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Today at  XXXX  I received and unknown call from  XXXX  which turned out to be Synchrony Ba nk J.C .Penny Collec  tions-  attempts to return calls to that number were met with silence. I then checked my voice mail and found a number to call  XXXX . Opinion- I guess they can claim I never called back? I spoke to  XXXX  who informed me I was past due. She never stated she was collections. I asked if my account was 30 days late. She hemmed a little then said NO! I asked her what amount I had to pay to be current and not late- THE MINIMUM DU E I asked h er for the correct amount and she again stated $  XXXX  which I asked again- I do not want the minimum I want the true amount- she  stated thats it-  {$35.00}. I paid that amount. Note- my prior complaints which impacted my CREDIT! She substantiated what I have been saying! I pay the amount they confirm is due YET tell me when I challenge that IS NOT THE CORRECT AMOUNT to be paid- that is a lesser amount! Of course you will do nothing that is why a new report. I have reached out and left a message to  XXXX  at  XXXX  ext-  XXXX  and I waiting a reply! I have attached the invoice,.

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 03/28/2017 about Debt collection (Credit card) with DISCOVER BANK (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Two back to back phone calls on XX/XX/2017 at XXXX They call around every 3 hours Mon-Sat The creditor is Discover credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Payday loan, title loan, or personal loan (Payday loan) with CASHCALL, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: agrred to a settlement paided it but still shows up as open depet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: PennyMac USA failed to pay our real estate taxes due XX/XX/XXXX. They told us that the local taxing authority told them it was already paid. Our local authority disputes that and said that the bank never called them, nor do they ever. I now have a delinquent notice which I faxed to them yesterday and they can not confirm that our taxes will be paid, nor when they will be paid. They only tell me the next scheduled payment is XX/XX/XXXX and they will try to get it escalated. These taxes need to be paid immediately. I 've spent two hours on the phone with them and I am at the end of my rope. The tax department does not take phone calls and they offer no assurance that I will be notified if and when these taxes are paid. Meanwhile, I am listed as delinquent with the local authority which is embarrassing as this is a small town. There is more than sufficient funds in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I got a recommendation from XXXX for a loan from XXXX. I thought since It was a recommendation from you it would not hurt my credit and be a hard inquiry. I also stated that to XXXX and said I did not want my credit to be ran nor did they ask permission to run it. I am rebuilding my credit and this will hurt it. I also declined the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Went to the Credit Report site that should get all three of the credit reports. No problem with XXXX, and got the XXXX online, but a download of the report did not work. Still waiting for XXXX to respond to my " Online Complaint ''. 

Then tried to get the Equifax report. There system would not take the last four of the Social Security Number. It keep giving me a error code. So I filled out the " Online Complaint '' form telling then of the problem. I did not receive any notification that they have check on the problem with there system. Then get a printed form, in the mail from them, asking for my information ( See Attachment ). 

It appears that Equifax has some problems with there systems since it will not take my valid SSN. 
If the system will not take the correct Social Security Number then do not know what good it will do to send them the same information!! Also have had other problems with the Equifax systems in trying to freeze my " Credit Report '' and trying to get them to monitor it. So have no confidence in them doing anything correct with there systems.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.

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 06/25/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar is claiming that is in the process of finalizing a loan modification for my mortgage, but today sent me a 14 day foreclosure letter.

Company response to consumer: Closed with explanation