milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2017 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am getting really frustrated. I have not checked my credit report in years. I went on to see I have XXXX medical collection accounts through American Adjustment Bureau. I have filed a complaint because I never received any kinds of statements from these companies saying I owe them money. I have NOT received anything from this debt collection agency. I have asked them for copies of the original bills so I can verify these are even my bills. I 've asked them to remove from my credit reports to give me a chance to verify. I 've asked them to send me these statements with dates and still have not received them. Instead they went in on my reports and updated the information to the current dates. I 'm very upset and think this is unfair to me. I 've contacted them again trying to get these documents. I 'm ready to go somewhere else where I can report them. I just had another company try to take advantage me for almost XXXX dollars and it turned out I did NOT owe this money. So I need these documents so I can verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Hello, I have a loan with Santander which was opened back in XXXX. I purchased the car through XXXX and Santander financed it. However, what we were not disclosed is that there were SEVERAL recalls on the car and that the Maker of the car themselves had went bankrupt. Santander breached their part of the contract where it states they will NOT finance on cars out of production, in my case the car itself had been out of production since XXXX. I have tried dozens of times to work something out with Santander and also the dealership where I purchased the car. The dealership told me Santander would be responsible, and then Santander says the dealership would be responsible. This has been going on for months, since XXXX of XXXX to be exact. I originally filed a complaint with CFPB and Santander 's response was nothing short of a blatant lie, stating they " can not make any contact '' with me because I was being represented by an attorney. This was not true. I definitely have one on standby, but no, our attorney NEVER called or contacted Santander. They responded with that and to me that is also fraudelent. I have every single piece of detail of when Santander contacted me, when the dealership contacted me, and when they let this go on for months without even responding. The only suggestion they gave me was they could " defer my payment for a few months and remove late charges ''. NO. The problem I have with a car that was sold to be ( Fraudulently mind you ) is that no mechanics can work on it. The recalled parts can not be fixed. This is wrong and Santander knows this-you can not expect someone to pay for a car that was recalled before it was even sold and financed to me-it is impossible to maintain when it CAN NOT be worked on. This is a very dangerous car to drive and the dealership along with Santander needs to get together and unravel this and make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had problems with PHH Mortgage crediting my payments since they took over my mortgage loan. I have called to sort out the issues on several occasions to no avail. They are currently harassing me for non-payment when I am actually at least 1 month AHEAD in my payments not to mention I pay a little extra to equity each and every month. They are charging undue fees and marring my credit because of their poor bookkeeping. I need a full accounting of my account, any and all fees/charges refunded immediately to my account and my credit restored to any and all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Payday loan () with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : XXXX, XXXX XXXX, XXXX XXXX XXXX and Advance America. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX in XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about 6 or 7 years ago. My current situation of using multiple payday loans every two weeks started at the end of XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XXXX of last year and XXXX of this year. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016 I checked my credit report and all of my inquiries were deleted. I logged in today and all of the inquiries were back on my report and my score dropped.

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 08-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: closed my personal accounts because my business account was overdrawn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with Torres Credit Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Torres Credit Services is attempting to collect on a debt that I do not owe to them. I 've never heard of this company or done any business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's poor security measures resulted in a data breach which they have indicated included my personal information. I 'm now at high risk for identity theft because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I took out a loan for   XXXX   XXXX   in 2001 account number  XXXX . I was solicited by Navient to consolidate my loans to get a lower interest rate which I believe I mislead and was locked into a terrible loan terms which has cost me three time in interest and I am left a victim of their prey on Naive people.
I took out {$140000.00} loan and I have paid {$310000.00} and they are asking for another {$71000.00} which continues to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with U.S. BANCORP (ME).
Issue: Billing disputes

Complaint: I disputed with the creditor directly ( see attachments ), in XXXX, XXXX. Received letter dated XXXX XXXX, XXXX, in regards to dispute. Letter states account is being reported correctly. Account was " updated '' within credit reports, yet the information reporting is now more " incorrect '', than before. 
I contacted creditor on XXXX XXXX, XXXX, in regards to paying off my account. I was informed the account was already closed. This is when I decided to pay the account in full. Account became late, due to divorce proceedings. Creditor waived late fees, as well as interest accrued. Account was closed by credit grantor, not by consumer, as being reported. Also, the opening date of account varies. Date of status is incorrect, as final payment was received XXXX, XXXX. Recent payment is no longer reflected in report, and is reporting paid and closed. Also, in original letter to creditor, I emphasized any and all contact to be conducted by postal mail. Creditor is asking for me to contact via telephone, after the fact of notification.

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 10/26/2017 about Mortgage (Conventional home mortgage) with Credit Union Mortgage Association, Inc. (MD).
Issue: Struggling to pay mortgage

Complaint: My mortgage company is denying many of my request with no reasoning. 
I file bankruptcy in XXXX and the bankruptcy closed in XXXX. I never included my primary residence and have the paperwork showing this. I am currently requesting the transcripts for that hearing. 
The Lender stated I reaffirmed the loan but on request, they would not send me the letter reaffirming the loan. I am several emails for my requests. 
I defaulted on loan XXXX, XXXX to now. None of the request I made was granted. They offered me a loan modification but I explained to the Lender I was experiencing a hardship with an IRS debt and my Grandfather 's financial issues. They never considered the loan modification again. 
The Lender Representative advised me that I needed to surrender the home and she asked if they could place a lock on the house. I responded no and that was only leaving my home temporarily to take care of my Grandfather. 
I never heard from the Lender again. 
In the beginning of XXXX, XXXX I received a letter stating Notice to the any party in the residence the house was being sold. 
I never received the Notice of Intent to Foreclose. I notified the Lender. The Lender had their Attorney email me the Notice of Intent to Foreclose and the Preliminary Loss Mitigation Paperwork ( dated ) XXXX XXXX, XXXX. A week later a guy shows up to the house and serve me the same papers. 
I completed the modification request. On XXXX XXXX, XXXX the Attorney sent me an email stating I was denied for the Forbearance and Modification at that time. 
I never received an official dated letter of denial from the Lender. 
When I asked why? She indicated the reasoning on the Hardship Letter was not sufficient with ie., my roommates income to me. But that was not the Hardship. I have requested a copy of the Letter of Denial. 
I have sent in two 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 07/21/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: JPMOrganChase told us in XX/XX/XXXX we had an escrow shortage of {$360.00} and we could pay it off by XXXX/XXXX/16 to keep our mortgage payment the same. By the time XXXX XXXX came, we had changed our homeowners insurance policy to renters and it should have produced a lower mortgage payment. I called 1st thing in XX/XX/XXXX to find that it had n't. The chaos started on XXXX XXXX with the 1st person I spoke to ( for which I have names/dates/times ) saying she would put a hold on the XX/XX/XXXX payment so I would n't incur a late fee while she conducted an investigation including another escrow analysis. She also said that back in XX/XX/XXXX they paid homeowners insurance, then renters last month, so that they paid twice and that was the reason for the high payment/shortage. That turned out to be false. They were reimbursed for paying the homeowners insurance in XX/XX/XXXX. She also changed her mind in the same conversation stating we could pay the old amount in the meantime rather than the " hold ''. The new result sent to us a couple of days later showed an almost tripled escrow shortage and we have to pay that by XXXX/XXXX/16 to get a lower payment. This next pair of reps said this was because more time elapsed between the 1st escrow analysis and 2nd leaving the shortage unpaid. The last rep said I could pay the last mortgage payment amount for up to 2 months. I did and added {$150.00} toward the escrow shortage. Tuesday I received a call that she was mistaken and we were not permitted to make the lower payment, we had to make the higher one reflecting that we did n't pay towards the shortage and the money we paid towards the shortage was applied to the principal! I had to call yesterday to fix that and they said it was being fixed " as we speak ''. Each representative apologizing for the last 's " mistake '' and saying that they " should n't have said that, I do n't know why they did ''. Sounds to us that they are either highly under-trained or making it up as they go along! As of today, the now {$98.00} ( taken from the {$150.00} to make up the difference to pay the higher mortgage payment ) has NOT been applied to the escrow shortage. Please help CFPB, for whom do we turn to when a big corporate enterprise such as JPMOrganChase takes over our hard-earned cash like this? I 'm a low-paid teacher and my husband a blue-collar worker employed by a town municipality.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: While I was trying to get on an income based repayment plan for my private loans, I had asked the customer service rep I was on the phone with if I could call them right back to check my payment amount on my federal side so I could comfortably make both payments. The rep said yes, but in the short 20 mins that I left the phone with the private lain side to speak to the federal side, the Rep contacted my co-signer, my elderly grandfather on a fixed income, and told him that because I could n't pay the full amount he was responsible for paying my loans. They told me because they had looked up my grandfather 's income, I was no longer eligible for a repayment plan and that my private loans are now completely my grandfathers responsibilty, regardless of his fixed income, age and health issues. When my grandfather told them he could n't pay the full amount and that I would have to be on the repayment plan, they immediately put a bad mark on his excellent credit score and brought his credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There has been an ongoing issue with experian reporting false credit inquires on my credit report. I have been contacting them none stop as I find out about them I would like these fraudulent inquiries removes from my credit report at once and would like my credit score raised to where it should be. As this has been an ongoing problem and it's causing tremendous stress on me as I am XXXX and so is my child. Please removed the credit inquires and stop false reporting as I already stated several times I am a victim of identity theft. Inquiries that need to be removed are XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXquired on  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to equifaxsecurity2017.com, my data was affected by the recent major hack of Equifax. Hackers supposedly have personal identification information such as my name, social security number, birth date, addresses, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The information presented in credit report looks like I 'm in a bankruptcy situation. That 's not true. The following are my current situations : I paid almost all of my account off ( only one left ) ; I have a student loan with no obligation to make payments, I 'm still at school XXXX ; I 'm a co-buyer of our house. I am not the primary buyer. MyWife 's income is count off e.g. It looks like again that I pay the house on my own. That 's not real ; The report said that I have a car loan again I am married I do n't pay only on my own. 
When I called on my own the collectors agencies to pay my debts off a way to show commitments to comply to my debts the credit bureau block me to have a credit. Is that did n't pay was the best thing to do? I do n't think so. 
Please, I would like you to look back my situation and allow me to get back in the system like a responsible US citizen because hardships can happen to anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern/ XXXX XXXX ( CEO and President ) I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

CHASE- XXXX XXXX ACC # XXXX Reason : Identity Theft I am hereby notifying that you are inaccurately and falsely reporting the above account which constitutes violations of the Act and of my demand that you remedy such violation within five ( 04 ) calendar days from your receipt of this complaint. This account has been previously been disputed and you did not deleted required under FCRA. You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623,  Responsibilities of Furnishers of Information, and for which you are responsible. 

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : -Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX v Chase Manhattan , 2002 provides a cause of action for individuals against furnishers of information. 

I would prefer not to use the courts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Problem with fraud alerts or security freezes

Complaint: Hi my name is XXXX and I applied for a venture credit card through capital one, and I was declined for missing credit information. I had a security freeze on my credit file, I notified Capital One that I had a freeze on my credit files, I was told by capital one supervisor that I would need to remove freeze in order to be considered for venture credit card, that I know that I qualified for. XXXX XXXX, I contacted the major credit bureaus and had my credit file lifted/ freeze for 10 days, I was told by capital one supervisor to lift freeze for 10 days, after I lifted the freeze capital one still denied my application. I have researched capital one criteria for the venture card, and I know I qualify. Capital one only want to offer me credit cards with high interest rates with low credit limits, so they can continue to make money from me, this is very unfair as I have worked very hard to keep my credit excellence, but capital one failed to give me a fair chance, as I call this fraudulent on their part.

Company response to consumer: Closed with explanation