milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CT).
Issue: Shopping for a loan or lease

Complaint: I AM AN XXXX OF XXXX. I applied for a Chase auto loan to replace/trade against my existing 2013 XXXX. The dealer submitted the loan application. The dealer agreed to take my car based on the remaining outstanding balance, pay it off and Put me into a new XXXX XXXX XXXX XXXX. To my surprise, my loan application was declined. Have I have a credit score of XXXX, Excellent payment history for the last 3 years on my existing vehicle, financed through XXXX XXXX. Secondly I have another car loan being financed through Chase with perfect payment history. My gross salary is in excess of {$250000.00} and I am XXXX. I submitted the last XXXX pay stubs, totaling over {$XXXX} in just the last 2 months. The reason for the decline according to the dealer was " Unable to verify my income '' and unable to verify the car trade in. I went to a second XXXX dealer and resubmitted the application, with exactly the same information. The loan was declined stating " The income on my previous application was much less and thats why they declined it the first time. I have copies of the first application and it shows exactly the same amount, {$250000.00}. I Verified my wages with my last XXXX pay stubs and to make the matter worse, I have banked with chase for more than 8 years, my business banking and all deposits go directly through chase. My mortgage is with chase for the last 20 years. I FEEL DISCRIMINATED AGAINST DUE TO MY RACE. CAN SOMEONE PLEASE EXPLAIN WHY SOMEONE WHO HAS GOOD CREDIT, EARNING A HIGH SALARY, MORE THAN NEEDED TO MAKE THE MONTHLY PAYMENT, HAS EXCELLENT CREDIT HISTORY WITH THE BANK IN QUESTION, ALREADY HAS AN EXISTING AUTO LOAN WITH THE SAME BANK, THATS IN GOOD STANDING, SUBMITTED BANK STATEMENTS AND PAYMENT STUBS TO VERIFY MY INCOME GET DENIED? 
****Income verification : I attached my last XXXX payment stubs, vendor ( XXXX XXXX ) contract for 3 years who pays monthly, the credit application I sent to the car dealer for submission to Chase. I have not included my bank statements but can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted a request for XXXX Equifax, and XXXX to remove all of my hard inquires which were unrecognized. I personally called each company that I asked to be removed and was quickly advised there was nothing they could do because I do n't have an account or account number with them. I explained to all 3 the only permissible reasons for pulling someones credit is a Firm offer of credit, Insurance, court order or employment. What XXXX decided to send me was a generic response telling me what inquires were which I did not request an explanation of what inquires were. The other 2 agency 's sent nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Was charged for an internet modem. The modem was deposited into a return bin at XXXX. I called two days later to confirm they had recieved it and they said that they did and that everything was satisfactory.

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 04-04-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Left message they were taking me to court in XXXX XXXX. Called back, no one answered and left message. Called back, again and no one answered. A few minutes later XXXX XXXX called me back. Said she was with XXXX XXXX XXXX XXXX and she wanted me to confirm the last 4 of my SSN and that she was submitting documents to the court today to garnish my wages. I asked if this was for a XXXX account. I paid this debt with a debt collector over a year ago. This debt was fromXX/XX/2003. I started to tell her my story of how I paid this debt but I keep getting calls about this and she started talking, too, asking me to confirm my social. And then she said I was rudely talking over her and she would see me in court and hung up on me. I called back and left a message saying I did want to talk about this and I was not trying to bed rude. I tried her again, she didnt answer and I tried her answer and she answered. I asked her nicely if I could please have the fax number to send the letter stating I paid this debt. She said as she was trying to advise me earlier before I rudely interrupted her.. and she gave me the fax number. I asked to speak to her supervisor. I have never been spoken to like that. She said she was the supervisor. I asked if there was anyone above her and she said no so I asked if she pawned premeir holdings? She said that supervisors and owners are two different things and hung up on me again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Other debt) with Bull City Financial Solutions, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, I noticed a mark on my credit reports that I had no knowledge of. Thus, I disputed the debt with all of the credit reporting agencies, and except for XXXX, the results came back as " verified and accurate '' from the credit agencies. As a result, I wrote a letter to Bull City Financial Solutions on XXXX/XXXX/XXXX asking them to provide me with the documents used to verify this debt. BCFS received my letter on XXXX/XXXX/XXXX. Admittedly, I know that they have at least 30 days to respond to my letter, however, I also know that this is not my debt. Thus, BCFS is violating the FDCPA. This company is reporting a debt on my credit profiles that is not mine nor do they have any contractually binding documentation that states otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Private student loan debt) with USCB Corporation (MT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company ( XXXX ) is representing XXXX XXXX schools and is using multiple collection agencies claiming that I have a bill under my name and I have never attended XXXX XXXX!!! They can not charge for services not given, there are many complaints against XXXX XXXX, this agency and XXXX XXXX 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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with M&T BANK CORPORATION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have tried everything that I know how to do correctly, Still, XXXX, XXXX and XXXX will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( M & T Bank ) I'M trying to get a better job & place to live but they, ( XXXX ) ( XXXX ) ( XXXX ) NOR ( M & T BANK ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do

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 02/26/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I secured a mortgage with Greentree XX/XX/XXXX for a mobile home. I have made regular payments since then without any major interruption. XX/XX/XXXX, my loan was taken over by Ditech and soon after they said my loan had matured and they wanted the full amount left on my loan, over {$2500.00}. I have explained, monthly after getting collection letters, that I am now XXXX and payment beyond monthly payments are not an option for me. I called earlier this week after getting one and the guy I spoke with tried to tell me I had never made any payments! I have the money order receipts going back to XX/XX/XXXX and the amounts sent. I was sent to another person who said my payments were in the system. She said these letters are computer generated and I would continue to receive them. No effort to set up a set payment plan I could manage or anything. No help at all. Then I get this letter telling my to take my complaint to the FTC AND CFPB. As a side note, I did try to procure a personal loan to pay this company off but, since they have reported my account to the credit bureau, I was unable to do so. This seems like poor business practice on the part of Ditech and Greentree had to know what their practice was when they sold my account to them. Please help if you can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted the  XXXX  credit bureaus by phone, mail, and online indicating to them that there are multiple inquiries that I do not recognize. However, they failed to investigate and remove these inquires off of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: XXXX XXXX XXXX is charging me fees even though my account is not in the negative. 
On theXX/XX/XXXXthey posted a fee of {$35.00} on my account, which has affected my subsequence transaction to cost my account to be in negative and the further charge me 2 more insufficient fee for {$35.00} each. 
I had money come into my account todayXX/XX/XXXXXXXX ; veiwing my account this afternoon I see another charge off extended overdraft fee for another {$35.00}.

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 02/24/2018 about Mortgage (Other type of mortgage) with OLD REPUBLIC TITLE HOLDING COMPANY, INC (CA).
Issue: Closing on a mortgage

Complaint: Dear XXXX XXXX, ( XXXX XXXX ) Hoping your doing well. 
I want to make sure that in all benevolent matters are resolved to provide me with clear title upon this request today. 

This was noted : None of the companies is the trustee or beneficiary of the deed of trust encumbering the above referenced property and none of the companies is servicing the loan secured by the deed of trust. XXXX XXXX XXXX XXXXl XXXX XXXX XXXX Now lets begin, please see the provided attachments for review, and 11 years now going through this..Well a whole lots of people are now aware of this. XXXX XXXX   XXXX As you maybe aware that a hard delete of the fraudulent deed of trust furnished with XXXX Grant Deed on Top left hand corner. Grant Deed was in XX/XX/XXXX. 
Closing Agent XXXX XXXX. Many have claimed under different loan numbers as well, there was never one void .... 
Much Gratitude, please provide your email to the email listed on this reply to my email thank you, with love and honor XXXX XXXX & California corp code as pertaining to corp lie in CA Corporation XXXX XXXX XXXX XXXX, XXXX. ( XXXX ) Number : XXXX Date Filed : XX/XX/XXXX Status suspended Jurisdiction : California Address XXXX XXXX XXXX XXXX, CA XXXX Agent for Service of Process XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Debt collection (I do not know) with PMAB,LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2014 XXXX issued a phone number to me for new smartphone. A few months later I began receiving calls once or twice a week from XXXX in XXXX, NC. The calls are continuing. From online search I found info that says this is a debt collection agency. My phone number is on Do Not Call list but it says that debt collectors can continue to call. I have never had a debt problem. No reason for them to call me. Is it possible that someone else with a debt problem had this phone number before me? How to make them stop calling?

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I began to receive calls at XXXX. When I pick up there is no one on the other line. I called back today from my office phone and was greeted by a lady named Sue. I did n't get her last name. The conversation was cordial at first. She told me she was calling for XXXX and she wanted to collect on a debt. She asked me if it was ok for them to continue to call me on my cell. I told her not if they are going to be continuously calling me. She told me that if I " knew how to pay my bills, I would n't have them calling. '' I hung up on her called back and spoke to a supervisor. He came to her aid and said that she has been working for the company for a while and they have never had a problem like that with her before. She was very nasty and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent in letters to request these negative items be removed from my credit report permanently on XX/XX/17 and have not received a response regarding the validation of items I requested. It has been months and still nothing. This is illegal and I demand that these items be immediately removed from my credit profile permanently.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A few months ago a charged off account was being reported by XXXX XXXX XXXX XXXX on my consumer credit report aswell as XXXX XXXX.I sent a correspondence to the Collection Agency and the charged off account was removed from my XXXX consumer report. Now the same account has reappeared on my XXXX consumer report this time it 's being reported by Fifth Third Bank XXXX. This is a direct violation of the FCRA and I would appreciate if the Consumer Financial Protection Bureau can look into this matter ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: There is a class action lawsuit involving 5th/3rd Bank. It was found that 5th/3rd bank was charging certain customers higher interest rates on auto loans. I qualify to be a part of the class and I am eligible to benefit from the settlement. As advised by a CFPB representative I contacted 5th/3rd bank to get more information however after several calls and tremendous hold time each representative I spoke with did not have and/or refused to give me any information on how to participate in the class.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I offered to pay my debt in payments due to my income from XXXX ( {$840.00} ). They told me I had XXXX days to pay it off ( {$1600.00} ) or it would remain on my credit for life. XXXX the account specialist who has my account notated me as refusal to pay/attempt to pay even though I telephoned them. I contacted the management company that filed this and the apartment complex and they were unable to give me any kind of information to help me resolve this matter. They do not have my information from when I lived there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have been a customer of Wells Fargo since XXXX of XXXX when I opened my mortgage account with the bank. I have made over 85 monthly payments to date. Upon reviewing my account history, you will notice that every single payment has been made on time. This is because of my strong sense of financial responsibility- which I know ( although minute ) is an integral part of the financial system. 
The first purpose of this letter is to inform you that I have recently been following the news about the unethical business practices employed by Wells Fargo. As far as I understand, the banks ' strategy, called " cross-selling '', was revealed to be fraudulent. You have used this practice since XXXX to embezzle money from millions of customers. 
The second reason for this letter is to express my deep disappointment with Wells Fargo. I also feel nervous that I 've been doing business with the bank for all these years. I have worked very hard to earn money, provide for my family and always have been honest. The level of dishonestly your bank has portrayed with this scam is beyond disturbing. The revelation of the scheme is making me question every time there was an increase in my escrow payments over the last 8 years and other changes that have taken place. Have I also been a victim of this fraud along with millions of other customers? In addition, what I also find troubling is that you have made no attempts to send any kind of communication to me to reassure that my account is safe and you have not made me pay for anything that is connected to this or other types of schemes.

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 06/30/2017 about Debt collection (Other debt) with NCB MANAGEMENT SERVICES INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: When I Spoke with company representative they could not send me nothing but a copy of a bill. They do not have documents supporting that my identity was verified I am not familiar with the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Other debt) with A.R.M. Solutions, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX,2017 {$130.00} A.R.M. Solutions sent a letter stating that they were a debt collection company for the XXXX XXXX. The letter stated that if I did not pay the {$130.00} it would damage my credit. 

This " debt '' is fraudulent and I do not owe The XXXX XXXX any money. I have sent a letter, phone calls and email to A.R.M and XXXX XXXX XXXX and the matter is still not resolved

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 04/29/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent in XXXX police report and the federal trade commissionand Equifax erfuse to removethe refuse to remove XXXXinquiries keep on getting d different answers.sent in what asked for and unable to get my credit report have to call in everytime. XXXX sent up not fixed. there response is to cancel need to monitor my creditreport due to identity thief. charge me XXXX and what to cancel instead of deleting old reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Bank account or service (Savings account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: Check fraud in my checking and savings account with USAA Saving Bank in XXXX XXXX, TX. XXXX notified bank of fraudulent activity on XXXX/XXXX/15 and checks continued to be deposited until XXXX/XXXX/15.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I checked my credit score and saw Navient reported XXXX payments as being late in XX/XX/XXXX. They take payments out of my account automatically ( and have been since setting up a payment plan in XX/XX/XXXX ) so there is no way the payments could be late. Because they reported XXXX late payments my credit score went down by almost XXXX points! I attended XXXX University XXXX and graduated XXXX University.

Company response to consumer: Closed with non-monetary relief