milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: We've had this credit card since XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In 2012 we used the card to help our son open a XXXX. Six months later, he unexpectedly passed away in a vehicle accident. We lived 5 hours away from the bakery, and hired a new XXXX who ran the business into the ground. We kept it going until 2014, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called Chase and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2015 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: NCB has called repeatly to my work, which I have asked to stop. Calls are threatening for a debt I do not owe. Mutiple calls daily.NCB has even called my child 's cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This is an ID theft issue. An individual used my information to charge a large amount for XXXX. ERC at XXXX came after me, at which time I explained that they had the wrong person. I filed a police report and took other steps to correct the problem. However, my main issue with this company is that they put a negative flag on my credit report before even talking to me about the issue. Even after I spoke to the office manager named XXXX and verified this was ID theft, he refused to delete the negative report until some time in the future, This is wrong and needs to be corrected right away. I should be inocent until proven guilty..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: Green tree has contacted credit bureau to change charge off closed account date from XX/XX/XXXX to XX/XX/XXXX to keep the record from dropping off credit report and with them also doing this it dropped my fico scores like back in XX/XX/XXXX when it was first charge off and closed.. This is illegal by law and they need to correct this to the credit bureau to report when it was actually closed and charged off back in XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2016 about Debt collection (Medical) with Firstsource Advantage, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Medical bills from XXXX that 's not mine. I 've had XXXX insurance since 2011 so I would n't have a reason to go to this hospital

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Settlement process and costs

Complaint: Lender ( Quicken Loans ) did not respond to inquiries leading up to a clear to close date, and only asked if we intended to go forward with the loan the evening prior to the clear to close date. We had supplied them with an engineering report that clearly stated there was nothing that should prohibit occupying the home, and no reason to forestall closing on the loan. 
Lender came back with an onerous demand for XXXX % of contractor bid to complete work. 
We were under severe duress and faced losing the home if we did not comply. Escrow was being held for the purpose of a foundation issue suggested by their appraiser, and not mentioned in our home inspection. Since we did not own the home at the time, and it was being sold as is, the former homeowner was under no obligation to grant adequate access for a thorough evaluation by the engineering firm and the contractor. 
Following the thorough evaluation, the engineer concluded that a front porch slab be replaced and that there was no need to do any foundation repair. Quicken continues to hold our escrow, failed to provide the name of the supervisor of XXXX XXXX, who supplied an abusive and inadequate response to our requests for the funds. Further, we have put in a request for a check to be paid to a contractor so work can begin, and that request has been ignored, even though we proceeded as stipulated. 
Quicken 's failure to provide us with sufficient time to seek alternative funding has cost us tens of thousands of dollars. The inconsiderate manner that they conduct business is shameful if not bordering on criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MT).
Issue: Managing the loan or lease

Complaint: on XX/XX/2017 I called Ally financial to find out why my payments where being returned. I spoke to an agent there, a lady named XXXX. we discovered that I had XXXX bank accounts linked and I had been selecting the payment to come out of the wrong account ( a closed account that I no longer use ). anyhow XXXX and I spend and hour on the phone scheduling future payments to come out of the correct account. XXXX payment scheduled for XX/XX/2017 and the other for XX/XX/2017. these payments would have brought me current. I received an email from Ally that they again tried to take the payments from the wrong bank account. all my loan information on my online ally account had been deleted and now they are charging me XXXX dollars a day for late interest and XXXX day late information to the credit bureaus. I called to remedy this and explain to them that ally made some kind of technical mistake. I explained that me and XXXX made absolutely sure that the payments where scheduled under the correct checking account and that it was not my fault that they had not received a payment. Ally continually made efforts to try and make me believe that I was at fault and they would continue to charge the late fee and report the negative information to the credit bureaus. even though I have been proactive about making things right and keeping in contact. all I want to do is pay my bills without being punished for a mistake that the lender made. I have attached the email from ally saying the payment was returned and my XX/XX/XXXX bank account statement to prove that the funds were available

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 06/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I received a mortgage with First Franklin Financial in XX/XX/XXXX. When the mortgage crisis hit its climax, my loan was in default and I was in foreclosure. By the end of XX/XX/XXXX I was going through a modification approval process with First Franklin Financial and during this process my loan was transferred or sold to Bank of America. I did not know my loan was being served by Bank of America until one day I receive a large envelope informing me to forward all paperwork for modification to them. I contacted their toll free number and informed the representative that I had all ready submitted all paperwork to First Franklin Financial. The representative told me that files were being uploaded electronically and it would take awhile, so it was, therefore, in my best interest to resubmit all paperwork. I did never heard anything from Bank of America. Instead, I received paperwork informing me from another company XXXX XXXX XXXX that Bank of America no longer owned my loan, but they now owned it. I never made any payments to Bank of America. All XXXX of my credit reports re showing different amounts of information. The reports are showing that the last payment I made to Bank of America was in XX/XX/XXXX. I have never made any payments to Bank of America. I have sent several letters and initiated various disputes with the credit bureaus disputing the account. Every single dispute has Bank of America responding that the information is correct as it is on the credit reports. I have sent letters to the company myself requesting for written documentation/verification, but I have not received anything. This account is over XXXX years old and meets the qualifications to have it removed from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I checked my credit report on XX/XX/2016 the account status was closed bal. 
was {$0.00} XXXX dollars. payment status was collection/ charge off. remarks was charged off account fixed rate. now on XX/XX/2016 I notice that they changed the balance from {$0.00} XXXX dollars to {$130.00}. I 've sent letters to both company and credit reporting agency first letter regarding this issue XX/XX/XXXX and they have failed to explain to me how I owe this debt. when they from start of XX/XX/2016 never been able to show proof by verification of my signature to this account. it has caused my scores to drop a lot. if you can check my credit report from XX/XX/2016 and then check it on XX/XX/2016 that 's when things changed.

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 03/14/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I had a HELOC loan which Wells Fargo offered to refinance because the loan was coming due. 
The bank manager at the downtown XXXX branch offered to do the loan and asked me to turn in my tax return for XX/XX/XXXX and a XXXX for XX/XX/XXXX. 
Several days later I went back to the bank to find out what happened and he told me that they could not do the loan, however Wells is told me that I could no longer withdraw from that HELOC and would just go into a pay back the amount owed which is about {$97000.00}. In fact, they even increased the auto pay amount to just over {$1100.00} per month without my agreeing to that as I was told that it would be about the same amount that was being paid or about {$750.00} per month. 
Mind you that I was NEVER late on this loan or on the 1st Mortgage which is also with Wells Fargo. 
My FICO score is over XXXX and my income for XX/XX/XXXX is over {$94000.00}. 
I had XXXX and told the Manager about it so I was not able to work for about 4 months which put a dent in my income. I should make over {$100000.00} normally. 
I have a fixed social security income of about {$1800.00} per month. 
The only reason for being turned down for the refinance of the HELOC is my age, being a woman and having had XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had to take the law firm of XXXX XXXX XXXX ( debt collectors ) to court earlier this year and the court ruled in my favor. However, there was a period of years that interest rates soared and I was paying this debt off every time I got paid and have the receipts to prove that I did pay, $ XXXX/month. The last payment was late due to my diagnosis of XXXX XXXX. All through my surgery and treatment I was getting letters and threats of garnishments from XXXX XXXX XXXX. The original credit card was from Capital One Bank. Because the last payment was late, XXXX XXXX XXXX was adding interest onto the debt as well as, claiming they could now charge me not only the original amount of the card but with added interest! When I finally did make the last {$75.00} payment, in good faith I paid a double payment of {$150.00} and yet XXXX XXXX XXXX persisted in harassing me for the original amount with a huge amount of interest attached to it. 

When we went to court, we settled and it was decided that I did not owe the law firm/bank any money. My question, however, is this : for all those years of harassment and mental anguish by continually attempting to get even more money out of me unconscionably so during a diagnosis of XXXX XXXX and subsequent treatments ( as well as spousal abuse, divorce, a move and my father dying - all this in 2009 ), was XXXX XXXX XXXX 's practice of charging additional interest rates legal as well as the harassment and mental anguish I was being put through for what amounted to a mere {$75.00}?? 

The original amount of the credit card was for, I believe {$300.00}. As of XXXX, 2009, XXXX XXXX XXXX were attempting to have me pay, {$1300.00}. 

Any legal advice I received during this time was free from : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX York, NY XXXX advise and thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loan was sold by XXXX to Navient. Navient then " adjusted '' my account so the due dates of the XXXX loans were the same. This somehow resulted in my monthly payment going up by {$10.00} per month. Over the remaining 72 months this results in Navient receiving an additional {$840.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have attempted to write and call XXXX XXXX  however, I can not get my credit report issue resolved. They responded in a letter that they were unable to provide a goodwill adjustment to my account. I was not asking for this, as I know I made a payment to my credit card every month. 
I have been having medical issues. I was trying my best to keep up with my bills to avoid having 30 days late and to keep my credit score in good standing. I was in constant contact with XXXX online or by phone. My issues begun in XX/XX/XXXX this year. 
Looking back through my account history, it appears that my late payment situation started with the XXXX XXXX, 2017, payment. I paid my payment on XX/XX/XXXX and I spoke with a representative who graciously refunded my late fee. 
I paid my XX/XX/XXXX payment on XX/XX/XXXX. 
I knew I was late again in XX/XX/XXXX so I spoke with a representative and was told that I was due {$320.00} ( including the XX/XX/XXXX past due amount ) for XX/XX/XXXX. I paid the full amount of {$320.00} on XX/XX/XXXX for both payments of XX/XX/XXXX and XX/XX/XXXX. 
After seeing my credit report score drop significantly, I realized that this account is showing 30 days past due for XX/XX/XXXX. Im not sure how that can be since I paid the full amount due of {$320.00} on XX/XX/XXXX. 
If the full amount was not paid on that date, then the account shouldve showed past due in XX/XX/XXXX, which it did not. 
My account has been paid on the due date for the past 3 months. XXXX does not want to discuss my situation by phone and I have to keep writing to them to try to resolve my issue. This process is not consumer friendly and I do n't know where to go from here. I am asking for help to review my account and to hopefully have the 30 days late removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have inquiries on my report that I did n't authorize. I called trying to get them off and no help

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Got the email about the XXXX data breach. Have been getting emails about my credit score decreasing from XXXX ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do. 

Waited for some of the dust to settle after the data breach announcement, tried to check my report with XXXX. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ). 

It has been less than a year since my last credit report at experian, and I hoped that XXXX had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests. 

I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of identity theft.

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I took a mortgage in XXXX of XXXX with XXXX and my then husband, for XXXX, the the best of my recollection. In XXXX, we separated, and he remained in the house covered by the mortgage. In XXXX, I had a XXXX Chapter XXXX which included the mortgage. XXXX stopped reporting it to all three credit bureau. Upon very bad advice from a lawyer, I quit-claimed the deed to him without him refinancing the loan. He then modified the loan with XXXX XXXX XXXX, increasing the term to XXXX months from XXXX months, and the amount to over XXXX from the original terms. I NEVER signed for this increase. XXXX XXXX XXXX, in XXXX, FL, states that they can modifiy the terms of the loan without my signature, and they have started reporting it on my credit report as of XXXX XXXX. The loan is already delinquent ( as of XXXX XXXX, XXXX, due for XXXX XXXX ). XXXX XXXX told me NOT to complain to the credit bureau, I did and Equifax already removed it but the other XXXX have not. XXXX XXXX continues to report and I have been denied for XXXX car loans because of " Excessive Obligations '' because the payment on this loan is {$3600.00} and I have my mortgage of {$1900.00}. The company stubbornly refuses to remove it from my credit report, and I will not be able to get a car loan or any other for the next XXXX years as a result.

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