milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2017 about Payday loan, title loan, or personal loan (Payday loan) with MARINER FINANCE, LLC (NC).
Issue: Received a loan you didn't apply for

Complaint: I have dont everything I know possible to get this account taken off my credit . Mariner Finance  told me that once I submitted a police report, it would be taken off. That was done in  XXXX  of  XXXX . It is now  XXXX   XXXX ,  XXXX  and it is still on my credit. The branch  manager of Mariner Finance -   XXXX  - knows the account is not mine and has physically spoken to the account owner. I can provide bank statements that show I never cashed this check or even knew about it until  XXXX  of  XXXX . And since then, I 've been trying to get it taken care of. Wha t Mariner Finance is doing is illegal. My credit score ha s gone down SIGNIFICANTLY due to the amount of the loan and the delinquent/late payments.  XXXX  said the fraud investigation would take 30 days, then she said 60 days ... well now it 's been well over 60 days and still no response. By recognizing and acknowledging that account is n't mine, what they are doing is illegal. They can not keep someone else 's account on my credit. The check should have never been processed in the first place when my sisgnature and my phone number and my bank account were n't the ones used! Who does that?? Who allows another person to take out a loan that 's not written to them. If my name was on the check, should n't the loa n officer have b een alarmed when another person ( not me ) was making the payments?!?!

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 05/21/2015 about Debt collection (Credit card) with Stephen L. Bruce, P.C. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: in XX/XX/XXXX i was garnisheed wages for a 900.00 dollar credit card, as of XX/XX/XXXX XXXX stephen bruce XXXX out of XXXX okla have taken 10.000 dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit reporting () with ENCORE CAPITAL GROUP INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Midland Funding continues to report an account that was previously removed from my credit report in XXXX. I have sent certified letters that have been ignored/returned to sender ( see attached copy ) and have no other way of contacting Midland. They ignore my letters and are not cooperating in investigating this issue. This is false reporting/inaccurate reporting and they need to remove it. My next step is small claims court. My current Credit Report, which was pulled today lists the following under XXXX and XXXX : MIDLAND FUNDING LLC {$570.00} {$0.00} XXXX account reported on XXXX XXXX, XXXX XXXX accounts reported on XXXX XXXX, XXXX Open Account # 1 {$570.00} Balance XXXX XXXX Original Creditor The same report shows this account closed on XXXX XXXX, XXXX, therefore Midland reopened a closed case, which is against FCRA requlations according to the FCRA website. 
MIDLAND FUNDING LLC XXXX XXXX, XXXX XXXX Please advise what my rights are as a consumer so I can get this taken off my credit reports. They continue to file false info after removing the same account. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016 XXXX was contacted via telephone to have our accounts closed. The representative on the phone stated that this will happen once the account has a zero balance. The representative proceeded to reverse a bank fee to bring the account to a positive balance then assured us that the account would be closed. We proceeded to receive a check for the full balance of our brokerage account via US Mail. At this point, upon checking we found that our other accounts were still open and instead of having a zero balance, the checking account was negative. We proceeded to contact XXXX via telephone only to be told that the account was n't closed due to the balance that was positive when we initially called, now being negative due to XXXX fees charged. When XXXX was contacted most recently on XX/XX/2016, the representative first stated that the account was not able to be closed due to the negative balance from XXXX 's fees. Towards the end of the call the representative claimed the we never contacted XXXX to have the account closed, which is 100 % incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed disputes with Transunion and XXXX 30-45 days ago concerning this and to this day, It is yet to be corrected. The balance on my reports is showing that I owe {$19000.00} for Child Support. This is untrue. I have called and spoke to representatives at Child Support and that informed me on how much I owe and It is WAYYYYYYYY far from the amount that they have on my credit reports. The Child Support office informed me to dispute this on the reports. Which I have, but I have yet to hear anything from them. They are showing late payments and all. This incorrect information on my reports is causing me not to be able to secure financial security that I would like to purchase my family a home. Please I need someone to get this incorrect information off my report asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have not ever received any communication from this collection company. It just was placed on my credit report. I have no idea who they are. I have never had any dealings with them at all. I do now owe this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It shows i have not paid the bill but i have

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Consumer Loan (Installment loan) with Atlanticus Services Corporation (NY).
Issue: Problems when you are unable to pay

Complaint: I was unable to make my XX/XX/XXXX payment to Fortiva and scheduled a future payment for XX/XX/XXXX. On XX/XX/XXXX, a transfer of funds between banks to cover the payment hit a snag ( my bank XXXX would not let me mobile deposit a check from myself to myself ). I filled out the contact form on Fortiva 's website withdrawing my authorization for the XX/XX/XXXX payment and scheduled the payment for XX/XX/XXXX. Despite the change, they still withdrew the payment on XX/XX/XXXX, without authorization. 
Fortiva does not email a copy of correspondence, nor did they ever respond to me. However, I do have a screenshot with my message and a confirmation that it was successfully sent to them via their website.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 03-02-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting a public record of a judgement against me. I went to the court, and there is no such judgement of record from this court against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Trouble during payment process

Complaint: I 'm about to sell my house ( in fact my closing date is next week ), but I 'm still having problems with m  y Chase mortgage.
In the last two   months as I 've dealt with the various expenses associated with getting the house sold, I 've run into an issue where I need to pay the mortgage a couple days late. When I called and asked for an extension for a couple days they refused, but they told me that if I make the payment late but then call them and explain they 'll waive the late fee after the fact. So I did this in  XXXX  and they told me they 'd waive the late fee and I could pay online. However, when I went to pay online, the system would only allow me to submit the amount that included the late fee. I had enough in my account for the mortgage but not the late fee, so my payment bounced and after some other charges, I had to attempt the payment again later. At which point I got charged another late fee. I wound up having that  one  waived, too, and when this rippled into my  XXXX  payment, they told me the same thing -- to call in when I made the late payment and the late fee would be waived. But they 're now denying that they agreed to waive the late fee, and I 'm worried that trying to contest it will cause problems as the sale is finalized next week.   This is not my first problem with  XXXX  hase -- in fact they sabotaged my credit. A few years ago ( before the CFPB existed, I think ), Chase  was depositing a slightly smaller amount towards my mortgage than what I owed -- I swear I was writing the check for the right amount. Anyway, after a few months of this discrepancy I was behind just a few dollars on my mortgage, and this put me into default!    Chase has been an awful mortgage company. My bad mortgage is why I have to sell my house now, and has been an enormous stress these last 11 years. I would discourage anyone from taking out a Chase  mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivable Recovery Services, LLC (MO).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have voicemails claiming to be an attorney firm threatening that if i dont pay right now they are taking me to court. Said they are the attorney firm but after looking up the address they are XXXX in NJ. She is very rude and causes an extreme amount of XXXX which is affecting my work and daily function.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Debt from XXXX XXXX of {$1200.00} it statesXX/XX/XXXXThis debt was originally from my ex-wife. She opened an account without my permission while I was XXXX serving on XXXX XXXX. I found out about this debt in spring of XXXX a year and a half after our legal separation. In the divorce proceedings this debt was awarded to my ex-wife and she is responsible for the repayment of the debt. I sent this information to XXXX XXXX XXXX in the summer of XXXX. I had received no word and upon checking my credit report it is still listed. I called today,XX/XX/XXXX, and was informed by a representative that they do not honor divorce decrees with debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage was sold within the XXXX year and immediately our payments increased by {$300.00} without warning or explanation. Since then we have been trying to get our interest rate lowered. Then my wife became very ill, was out on XXXX a few times, had XXXX surgeries, and is now on total XXXX. During her time of illness, we were unable to make our payments. For two years we have been trying to get a loan modification, or at least a reasonable interest rate. Every time we have complied with the requested information, they say it 's out-of-date and it seems we have to start all over. The company is Ocwen. We were told that we would NOT be foreclosed on and if we would just keep sending in the paperwork, something would be worked out - that they WANTED to work with us. Now we received a summons of forecloser. We ca n't seem to get anywhere with this business ; calls coming from XXXX which makes it even harder with the communication. We have complied and have KEPT complying with their requests and something new always comes up. We are frustrated, scared, and frankly angry that this is allowed. We ca n't even speak to anyone American so as to understand what they are even saying. We have gotten nowhere fast and feel that this type of conducting business should not be allowed! e neeD SOME HELP!!! PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Debt collection (Mortgage debt) with Fein, Such, Kahn & Shepard, P.C. (NY).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: FEIN SUCH AND CRANE Attorney 's for XXXX have foreclosed on my home they provided No notice that they were debt collectors, no notice that I had a right to dispute the debt No copies of the requested details of the debt. They committed fraud upon the court by affirming that tall the information provided was true and it was not. They never served my ex husband who has not lived with me since 2003 they affirm the bank has the mortgage documents yet another Law Firm for XXXX " XXXX '' affirms that they lost the Note. This is just two instances of the numerous counts of fraud they have committed and affirmed to in documents to the Court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A formal notice was requested for validation of debt in accordance with the Fair Debt Collection Practices Act, 11 U.S.C 1692g. A dispute was filed in the XXXX credit bureau, Midland Funding LLC reported they have investigated and validated the debt. I have contacted this company several times, and they have not been able to provide me with a true copy to validate debt. Every attempt I have made to obtain the requested documents have failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This Company continues to call and harass me after repeatedly asking them not to call me while I 'm at work. They continue to call and hang up when I ask them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was discharged. Upon checking my credit report, I discovered that Equifax is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing, on the summary page, accounts that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a discharged account. Discharged accounts can NOT be late-ever.
Section 607 of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been discharged in a bankruptcy as " bad debt or late '' if the account was open and not discharged off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so.
NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. My fico score has been severely damaged due to the credit bureau 's inaccurate reporting. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision that was unavoidable. 

On XXXX XXXX, XXXX, I spoke to XXXX, Equifax rep and XXXX, supervisor, about the violations. XXXX told me that bankruptcy is negative and they will NOT remove the negative listings. Even when I explained that her company was in blatant violation of the FCRA and Bankruptcy Code, she refused to correct the severe damages to my credit report that they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Customer : XXXX XXXX XXXX XXXX. 
Point of Contact : XXXX XXXX Account XXXX Customer ID XXXX Card # : XXXX XXXX XXXX XXXX XXXX is a XXXX XXXX conducting business in the XXXX XXXX XXXX Area. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX there were XXXX fraudulent fuel transactions in XXXX cities in the XXXX XXXX, XXXX and XXXX, where we do not transact any business for a total amount of {$3900.00}. The card has been in our possession and has never been lost. On XXXX I received a call from XXXX XXXX, the XXXX representative assigned to our account, that the disputed card was declined several times. I told him the card was in nor possession and we were not using it. The next day XXXX I reviewed the card transactions and it was apparent that the card was skimmed somewhere and used in the XXXX metro area. 

On the same day XXXX I contacted XXXX 's afterhours support and had the card blocked from further usage and initiated a fraud claim. XXXX denied our claim stipulating : " this dispute was denied based on the XXXX Reserves XXXX XXXX which provisions what we call the XXXX rule. To clarify, this government regulation states that if a business has XXXX or more cards issued to them, then that business is responsible for any and all transactions on the account, whether they are counterfeit or not. 
" We did not use nor did we authorize the use of the disputed card for the fuel transactions or any other transactions in the XXXX metro area. Attached are the complaints, email communications with XXXX staff, and an XXXX file containing the disputed transactions. Please let us know if you need further information. Thank you.

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 Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The original collection agency Pinnacle Credit Services , LLC has been reporting this collection on my XXXX credit reports ( XXXX, XXXX, and XXXX ) since XXXX. The reported original creditor is XXXX XXXX ; I have never had an account with XXXX. The original collection agency has assigned this debt to several other collection agencies ( XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ) over the years to attempt to collect this debt. I have requested debt validation from XXXX, got no response from one CA ( XXXX ), and the last CA ( XXXX ) has yet to send me competent evidence to prove I owe this debt to them. 

I first disputed this collection with XXXX and XXXX in XXXX XXXX as reporting inaccurately as OPEN and the results came back with nothing changed and it continues to report as OPEN on my XXXX and XXXX reports but reports as CLOSED on my XXXX report. 

On XXXX/XXXX/XXXX, I sent my first debt validation request letter directly to the source, Pinnacle. The letter was re-routed and delivered to an address in XXXX, SC on XXXX/XXXX/XXXX ; which I now know is the address to XXXX. After over 35 days and no response from either Pinnacle or XXXX, I sent a letter to both XXXX and XXXX ( with a copy of my letter sent to Pinnacle ) to remove this collection as the CA has not provided proof of validation. Then on XXXX/XXXX/XXXX, I received a letter from Resurgent with attachments ( an account summary report and a quick bill summary with my name on it ) which does not properly validate a debt. 
I, in turn, sent a second debt validation letter to XXXX on XXXX/XXXX/XXXX demanding they send me competent evidence of debt validation within 30 days of receipt of my letter or have the original CA remove all references of the account from all XXXX credit reports. It has been over 30 days and I have not received a response from them. 
I am fed up with these collection agencies taking advantage of consumers and having the ability to add negative information to our credit reports without just cause. 
I am at my wits end and do n't know what else to do at this point.

Company response to consumer: Closed with explanation