milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Debt collection (Other debt) with FIDELITY CAPITAL HOLDINGS, INC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX has a debt on my credit report, I contact them in reference to such because this is hindering my housing opportunities. When I spoke with the representative yesterday XXXX, he stated to me that he is attempting to collect on the debt. The debt has exceeded the statues of limitations per the state of NC Gen Stat. 1-52. It remaining on my credit report is hindering housing for me and my children. The representative has also told me that the account is accruing interest still, yet they are operating unlawfully. I asked them to send me copies of all documentation so that I can have an attorney review it. The representative proceed to tell me that the company operates under the laws of CA, I explained to him that I am governed under the laws of NC, therefore, I can not be held under CA statues.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am continuing to file a complaint against Equifax who was repeatedly wronged me in how they conducted an investigation on an account illegally placed on my file. without my permission a small overpayment which i had paid in full was transferred to the XXXX by my teenage son. I disputed this with the XXXX and took it up with management that they had no right to entrust my financial decisions to my teenage son while i was at work. Then, the manager at the XXXX agreed that it was not right on their behalf to have spoken to anyone besides me at transferring my loan which i had almost completely paid in full so I instantly paid the account off in full on the phone and closed it and they sent me a letter stating that they were sorry for any inconvenience an that the account was paid, never late and not a collection and would not be placed in the derogatory section of my credit report.. Initially, in XXXX, I received my credit report with a derogatory red flag next to the XXXX account but it that no indications as to why it was in the negative section of my file ; no payment history, no status and now remarks. SO I inquired and obviously disputed the account wit equifax, which said it was open and active for XXXX and XX/XX/XXXX, though it was paid and immediately closed in XXXX XXXX. After XXXX dispute letter that took over XXXX DAYS Equifax sent me a letter stating that the account was verified to me and was XXXX days past due until XXXX. This continued to frustrate me because i lost out join a mortgage because of them in late XXXX. I continued to dispute this and asked for proper verification and their descriptions and procedures to be proved to me in XX/XX/XXXX and in XX/XX/XXXX and they refused me any further investigation. I was aware that the information was not properly placed there and so i threatened to take this to the FTC and then they claimed that it was no longer XXXX days past due but that it was a " collection '' item now. Neither XXXX or XXXX are reporting this account negatively and yet Equifax does n't have the updated information like XXXX and transonic. They continue to call numbers that they send me which are not even the correct department. They have also send to false addressed to dispute with the XXXX XXXX XXXX if i had any issue but my mail continually get returned at the addresses which they provide. Please, can i get some proper help against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX ,   XXXX   my car broke down major problem with engine I called Ocwen to let them know my  XXXX  payment would be late and I would have the money by  XXXX   XXXX ,   XXXX   and if they received it would I be late because they told me I would have a late fee but they would not report late on my credit report they advised me to over night it so it is received at there overnight bin which is in Texas I did what they told me to do. I contacted them again on  XXXX   XXXX ,   XXXX   I gave them the overnight number and they said great I explained what happened I even have a ID # and name of CSR told them that I was trying to get caught up but the expense of my car is the reason why again they told be as long as it is in our overnight  XXXX   XXXX  by the  XXXX  of the month you are not late. I found out last week they reported me  30 - 6 0 days late I know I was late with the payment but it was done within the 30 days. I called them on  XXXX   XXXX ,  XXXX   XXXX  &  XXXX  I was told that they can look up the calls and if they can see them they would look into this I told me I never called which I did I have id # times etc. At this point I called the  Mass Attorney Generals  office they told me to contact you. I tried to reach out to them again because they are changing me for register letter fees for  XXXX  I was told that I did n't pick up the letter the women I spoke treated me like I was the biggest low life in the world and she kept on saying I was not telling the truth I ask if this could be escalated I was following what they told me to do and I had names of th e csr s he said that if they did log the call I had no proof. I was so upset they way they treated me if it was n't for consumers Ocwen would not be in business. Again I called I once again tried to explain my situation why would I overnight money and pay  XXXX  and get it there by the  XXXX  if they were going to report me. I also was told even though they have a overnight bin for these situations they do n't process payments on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I contacted XXXX XXXX as Well as Navient to resolve as to why I was being called asking to defer or go into forbearance when I had been caught up on payment since Mid XXXX XXXX. When I spoke to XXXX they had no record of contact or loans since XXXX XXXX XXXX and that my loans were most likely transferred to Navient withot informing me. The gentleman then offered to transferred me to Navient. However when transferred I was Hung up on. Upon recalling Navient I was immediately told my account was over 100 days past due prior to even asking why I was calling. While trying to establish who I had been paying and on what loans XXXX ( the woman who I was speaking to ) continued to raise her voice and be unwilling to listen to what I was trying to resolve and told me my loans were most likely private loans and transferred me to that department. Upon transfer I was put on a loop with options that only left at the initial menu. I called again, after giving my social I was hung up on. Once again I called for a fourth time the person had no record of me graduating and listed as still in school even though I graduated in XXXX XXXX and had been making payment since XXXX XXXX. This person informed me they were going to transfer me to customer service to sort out why I was uninformed of my loan transfers to Navient from XXXX XXXX as well as how to straighten out " missed payment '' and " still in school status '' at which point I was once again hung up on and unable to reach a representative on call back. Since these calls I made on XXXX/XXXX/XXXX between XXXX EST and XXXX EST I reached out on XXXX on XXXX/XXXX/XXXX to consolidate my loans with another company to avoid the continued run around an lack of information from Navient as well as hits on my credit score and late payment fees.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit bureau in violation of Metro 2 Compliance, also FCRA and FDCPA.

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 10-02-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: SPS Servicing frequently calls my home phone and when I answer the person who called me has no idea my they called. SPS states that their computer told them to call me. I wish this practice to stop. I would like SPS to know why they call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: OUR MORTGAGE WAS PURCHASED OVER A YEAR AGO FROM XXXX. WE HAVE HAD NOTHING BUT PROBLEMS EVER SINCE. WE SEND LETTERS TO THE NEW SERVICING AGENT, GET CONLICTING ANWERS TO EVERY QUERY AND IT GOES ON AND ON. FIRST THEY CLAIM WE HAD NO HOMEOWNER 'S INSURANCE - SENT THEM PROOF AGAIN AND AGAIN. THEN THEY CLAIM THEY HAD TO PAY OUR TAXES AND NOW ARE TRYING TO CHARGE US MORE AND MORE EACH MONTH AS A MONTHLY MORTGAGE EXPENSE. IN ADDITION TO THIS FRAUDULENT INCREASE THEY ADD FINES AND FINES EVERY MONTH STATING WE ARE SHORT EACH MONTH. WE ALWAYS HAD AN ESCROW ACCOUNT WITH XXXX - WHERE DID THAT MONEY GO? I HAVE ASKED FOR PROOF FROM THE CURRENT LOAN SERVICER TO SEE WHAT ACTUALLY TRANSPIRED WITH THIS " ACQUISITION ''. PERHAPS THEIR AQUISITION DEPT. KNOWS NOT WHAT THEY DO? THEY NEVER RESPOND TO OUR QUESTIONS, HAVE CREATED SOME INSANE " NEGATIVE ESCROW SHORTAGE '' AND WE ARE SICK OF TRYING TO DEAL WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NC).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Due to a clerical error made by Chase, apparently according to a banker over the phone, there is a safe deposit box in my name, but with an address that was never mine ( according to the banker ). Rather than flagging a potential clerical or serious identity theft issue, the incompetent banker refused to correct the situation - perhaps to cover up someone's incompetence or misconduct at Chase. This is a serious issue if my safe deposit box in Texas has an address not ever affiliated with me. I am fearful for my physical safety now, along with identity theft, because of Chase 's misconduct here.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: When I went to XXXX they told me I would not be charge anything else for my procedures they charge my insurance more than XXXX dollars and then I got this bill for the XXXX the I kept calling the office of the XXXX please for more than 2to 3 years every time I would get a bill and the women I charge of the billing would always tell me do n't worry Isabel it 's all handle we will take care of it i have gone back to that office this year and they told me that the women does not work there any more so I called the person in charge for the XXXX and she was the meanest and rudest women ever she told me that she did not care if what I had to say and that it was my problem to just pay the bill so I went back to brand sergical and told them of what had happen and they told me that yes she was bad and mean and difficult to deal with but that if I would get anything else done with them they would lay this off for me I have been trying to fix this for a long time please help me thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple unsolicited hard inquiries I want removed from XXXX by a company called XXXX XXXX XXXX a Finance Reseller ran hard inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have no idea who did this it is illegal. Their address is XXXX XXXX XXXX XXXX FL XXXX Please remove the offending inquiries off my credit report. 

Also the company XXXX has made multiple unsolicited hard inquiries through an illegal online source. I want them removed from all three reports, I have contacted them and the credit companies XXXX, XXXX   and XXXX. 

Today XXXX illegally did it again to my credit. Please remove all XXXX hard inquiries. 

Almost all of the inquiries made on my report are a result of online reselling of information. I am working to have 15 known illegal inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Credit card () with TD BANK US HOLDING COMPANY (MN).
Issue: APR or interest rate

Complaint: Hello, This complaint is with Target Card Services [ Red Card Credit Card ]. I have contacted Target Card Services over the course of [ 5 ] consecutive years for the purpose of requesting a lower Apr, which at present still remains 17.6 %. Each year the response has been 'NO, we do not lower our rate for any person or reason '. When I explained to the Credit Service agent that I had contacted a Credit Management company in early 2015 about such possible service I was informed that an Apr of 7 % would be set for my Target Credit Card, the agent responded with 'then I would suggest that you use that company '. A Credit Management company can get 7 % but I, having a very good payment history and always paying much more than minimum amounts, can not ... I do not understand the indifference and total lack of cooperation. With a Apr of 7 %, as an example, I would be able to the current balance of {$3500.00} paid off within approximately 2 years. 
Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with Chaplain Financial Services LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Today I received a call from a company with a  XXXX  area code. Eventually they left a message saying they were filing court papers with  my county t o sue me and will serve me at my home or job.     If my job was served, and I was unavailable then they would get my supervisor to accept my summons and I would be sued.     The number they left is for a Georgia office by Chaplain Services. Everyone is saying this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Consumer Loan (Vehicle loan) with Car Cage Motors Inc (CA).
Issue: Taking out the loan or lease

Complaint: I did a in house financing with Car Cage Motor The apr was set and added on to the loan The loan was a 18 month loan and I 'm 5 months into the loan And paid it off Car cage motor wo n't give me a breakdown for how the apr was calculated I have all the Documentaions for the loan I just do n't want to be rip off and takin for my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. ().
Issue: Account opening, closing, or management

Complaint: I have on-line banking with Suntrust in Florida but am currently living in the XXXX. I need to wire transfer a large sum of money for my living expenses to my XXXX bank account but Suntrust are refusing to allow me to do so. They say I need a wire transfer PIN number and the only way to get one is by visiting my branch in Florida. I am financially unable to comply with this unreasonable demand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX, 2017, Chase Bank notified me that they were closing all of my savings and checking accounts and canceling my credit card. They gave no reason and gave me one month to empty my save deposit box. I had already paid the 1 year rent on my safe deposit box and the XXXX, CA branch refused to credit me the remaining months. I have always maintained the minimum balance and can not figure out why my accounts were closed. I was not given sufficient warning and my credit card was denied while dining with friends. This was very embarrassing and inconvenient. Thank you for your investigation into this matter. I have attached documents received from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I applied for a credit XXXX account with my sister as cosigner for my dental work. I paid {$75.00} upfront and made my XXXX appointment. I had a {$5.00} copay which I paid and my dentist took XXXX. My next appointment he started a cleaning XXXX. My next appointment my dentist had left and they had me scheduled for XXXX XXXX that were n't ever discussed with a different dentist. They charged XXXX XXXX {$26000.00} for work they never did and {$500.00} for work I never had done. Now it is a XXXX bill. Please take this off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I applied for the PSLF program and was rejected based on " no eligible loan type ''. The rejection letter directed me towards direct loan consolidation - however, I have already been making payments on a consolidated loan since XXXX. According to all information I have been given thus far, my loan type should be eligible. I am wondering if/ why the information was reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX,2018 XXXX XXXX XXXX ran my credit for no reason knowing that my family member did not need a co signer they just ran it to run it. I got 3 hard inquiries.They ran it through ALLY FINANCIAL XXXX and XXXX. i ask them to call the financial and to get them to take it off my report they denied saying it want hurt my report but recently i applied for a credit card and was denied because of all the inquiries. I would really like for these three to be pulled off all three of my credit reports.

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 09/27/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I applied for membership to a credit union. The credit union told me they could n't pull my ChexSystems report due to a Security Freeze. Knowing that I did n't place a Security Freeze, I called ChexSystems and they confirmed that I DO NOT have a Security Freeze in place. 

The credit union kept insisting that a Security Freeze was in place. I ordered & received a physical copy of my ChexSystems report and it shows that I DO have an active Security Freeze on my report ( which I had never placed ). 

ChexSystems does n't seem to know what to do about the discrepancy and does n't seem in any hurry to figure it out. I 'm a real estate investor, so every day that goes by that I ca n't join this credit union and apply for a mortgage is a potential lost deal/money.

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 02/29/2016 about Student loan (Federal student loan servicing) with MOHELA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have been receiving calls a few times a week from Mohela student loans. They have some how broke in to my phone contacts and show up as a contact of mine called XXXX XXXX. This is i ; ; egal to make constant calls to me and ileegally using a contact name on my phone. I want to know how they broke into my phone?? Today I did not answer and allowed them to leave a message. I am only if anything a month behind and that is because they sent me something saying if I filled it out they will let me go two months without paying. I tried to go to their site to get my loan adjusted to my salary and their site is n't working. 
This is harrassment and illegal tactics breaking into my phone contact names.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: I purchased my apartment XX/XX/XXXX and XX/XX/XXXX I was approved a short sale under HAFA. The sale was completed and I was told that any negative credit reporting would be removed from my record. To this date, the mortgagor has not removed negative credit entries from any of my credit reports with any of the agencies. This is having an adverse affect on my ability to apply for other credit and is unfair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I opened up a CitiGold checking account back in XXXX 2015 using a promotion code ( XXXX ) that would give me XXXX XXXX miles once I 've made at least {$750.00} in debit card purchases within 60 days of account opening. I opened this account via phone, and confirmed with the respresentative that I am qualified for this promotion and the account was opened with this promotion code. I completed the requirements and never received my XXXX XXXX miles.

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 01-05-2017 about Credit reporting () with Alliance Data Card Services (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: INQUIRY WAS NOT REMOVED.

Company response to consumer: Closed with explanation