milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I took out a loa n from My Rich Uncle i n  XXXX , which was taken over by Younomics. In  XXXX , I joined the  XXXX   XXXX . Pursuant to the Servicemembers '  Civil Relief Act, my lender should reduce my interest rate to no mo re than 6 % - they refuse to do so. I am currently being charged 10.75 %, and am still on  XXXX   XXXX . I have consulted my installation legal attorney, who suggested I file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: THE INFORMATION I AM GETTING FROM MY BILLING STATEMENTS, STATE I AM BEING OVERCHARGE FOR INTEREST ON THE CAR LOAN. ON XX/XX/2017, I BOUGHT A VEHICLE WITH A BALANCE OF {$20000.00}. AT AN INTEREST RATE OF 4.8 PERCENT. I HAVE OWNED THE CAR A TOTAL OF 28 DAYS AND HAVE MADE 2 PAYMENTS OF {$16000.00}. CLEARING IN 19 DAYS AND {$400.00}. IN 6 DAYS. MY INTEREST SHOULD BE AROUND 53.00. NISSAN FIGURES {$16000.00}. {$400.00}. AND {$3600.00}. TO PAY OFF VEHICLE. {$20000.00} - {$20000.00}. = {$72.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Struggling to pay mortgage

Complaint: Dear CFPB, I am writing again because I need to be clear on this issue. As you already aware, I had placed many complaints against Bank Of America trying to take my home. I placed a complaint Last month XXXX and I see that CFPB closed my complaint. Why did you close my complaint allowing the BOA to have their way? On the response from BOA on my last complaint, they stated that on XXXX per dept of justice they sent out a program for me to save the house. I can clearly and truthfully state that this BANK did NOT do such thing. It is the same behavior pattern as before. LIES. How can they just get away treating customers like this? They get caught and fined a hefty amount as punishment and still go around with these lies. We need to get to the root of the problem. I want all copies of letters sent to me on XXXX like they mentioned. I want the BANK to submit to CFPB of all the letters I sent since XXXX of my issues. Lets get to the bottom of this please. We shall see who is lying. Let Bank Of America take me in front of court under oath. Once again, I have been crying for help since XXXX. And this month they will take my home away. 
I DO NOT WANT TO LOSE MY HOME. MY SON 'S HOME ... XXXX 

Thank you 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 02-06-2018 about Debt collection (Payday loan debt) with United Debt Holdings, LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: This is from years ago, when I really need the money. It was only about 150 dollars. Now they want to settle with over 350 dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX   Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: VIOLATES MY RIGHTS PLEASE LOOK AT ENCLOSED DOC 'S CRA, AND HIPPA RIGHTS POLICE REPORT INSIDE

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. They are Unverified Accounts, I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Moreover, I have never paid late these accounts, please investigate : XXXX XXXX XXXX # 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 non-monetary relief
Consumer complaint received 06/26/2016 about Credit reporting () with Credit Karma, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Some of the information on my credit report is not mine credit inquiries XXXX XXXX XXXX is false and also there 's a credit for auto loan I do n't even have a car Someone is using my information none of the identification answers where mines help me please

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Student loan (Non-federal student loan) with URS Holding, LLC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have student loans that I 'm repaying to XXXX. They changed their loan repayment service to XXXX for XXXX of my loans and the other XXXX remained with XXXX. I was not aware of these remaining XXXX loans and so they were defaulted for about a year. I never received any communications regarding these XXXX remaining loans. All my student loans are currently in repayment via XXXX and XXXX XXXX and I have excellent repayment history and credit. However, I was contacted by Enterprise Recovery Systems regarding these defaulted loans XX/XX/XXXX. In a show of good faith, on XXXX XXXX 2016, I paid them {$12000.00} as a lump sum ( $ XXXX/month for each monthly payment missed ) and set my monthly payments to auto-deduct from my bank account for $ XXXX/month. I was reviewing my statement last week and noted a {$20000.00} collections fees imposed by Enterprise on my account. The balance on the account in addition to the collections fees is about {$86000.00}. I tried to call and discuss with them that I was unaware of the defaulted loans, no contact was made with me for a whole year regarding these defaulted loans, and I made a large payment of good faith, more than I could probably afford. They referred me to XXXX, who was very upset that Enterprise had n't contacted them directly about this issue and they said they 'd look into it. I have n't yet heard any updates. And Enterprise has called me 5 times in the past two hours from XXXX different phone numbers and they 're telling me the only way to get the collections fees of {$20000.00} taken off is to make larger payments on the principal balance. I keep telling them I can not afford to do so given my other student loans. Now, I am a recipient of the XXXX XXXX XXXX award given out by the California state government. This is to help pay off my loans. This shows that I am in good standing with ALL my loans with regard to repayment. This in my opinion is harassment by Enterprise Recovery Systems with regard to pursuing more repayment but also the collections fees of {$20000.00} does n't seem like it would be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I spoke with Citibank before applying for my AA rewards card. I specifically asked them if I was eligible for the XXXX rewards as I closed a similar account a little over a year ago. I asked them twice directly if I would still get it and they said yes that I would still get the points when I spent XXXX. A month went by and I spent XXXX and now they are telling me that I 'm not eligible for the points due to the previous card within the last 24 months. This is contradictive to what they previously told me on a recorded line twice. This is clearly a bait and switch and I want to see some accountability behind it.

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 10-11-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Settlement process and costs

Complaint: Back on XX/XX/XXXX we did a Loan Modification on my home. At the time that the modification was done the principal balance was around {$190000.00}. But, keep in mind that when Freedom Mortgage took over the loan XX/XX/XXXX my principal was {$190000.00}. So, when the loan was modified back on XX/XX/XXXX my principal balance was {$140000.00} and {$58000.00} was put to a Subordinate Note. Adding that up come to {$200000.00}. That is more than the original principal balance of {$200000.00}. 
When all the paper work came to me from XXXX XXXX the only things was the Subordinate Note and Subordinate Instrument. NEVER HAVE WE GOT A FEE BREAK DOWN SHEET OF ANY SORT. I HAVE TRIED TO CALL LOANCARE BUT NO ONE WILL TALK TO ME, THEY TELL ME TO CALL FREEDOM. WHEN I CALL FREEDOM MY CONTACT PERSON DO NOT UNDERSTAND WHAT I AM TALKING ABOUT. AT NO TIME I WAS TOLD THAT ADDITIONAL MONEY WOULD BE ADDED TO MY LOAN. ONCE AGAIN, WE NEVER GOT A BREAK DOWN OF THE FEES EVEN WHEN WE RQUESTED THE INFORMATION AGAIN. 
Please understand that LoanCare, may have done a fraudulent and or misrepresentation on your behalf. This will sever as notice to you. And a copy of this is been sent to Loancare as well.

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 10/22/2016 about Debt collection (I do not know) with Credit Service Company, INC (WY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On Thursday, XX/XX/XXXX, I listened to XXXX messages from XXXX ( a woman 's voice ) and XXXX ( a man 's voice ) with the exact message. " You have an important message from Credit Service Company. This is a call from a debt collector. '' When I called the first number, I was told my call was being recorded and then when I asked who they represented, they asked for my personal information. I informed the woman I was tape recording the call, she hung up. I called the second number and heard a recording that my call was being tape recorded, a man came on and I asked to speak to a manager. The man said, " You are in no position to ask to speak to a manager! '' I then told him, I was taping the call. The man stated, " That was impossible! '' When I said I was holding my cell phone to the receiver, he hung up! 
I looked on line for the company called Credit Service and called the number listed. The number has been disconnected. ( XXXX ) To my knowledge I have no outstanding debts and my credit is excellent. How do I find out in a safe manner if I do have an outstanding debt? Giving my SSN etc. to anyone especially on the phone etc. is not anything I am willing to do! 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have sent the demand letter to XXXX credit bureaus for updating my credit report and scores, but they do n't do anything, I still not get my credit report. 
Please update it now, it is my right to have that information.

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 11-03-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am refinancing my home when XXXX mortgage said I was late for XX/XX/XXXX payment, not only that but, said I sent in partial payment. When I have proof of payment from XXXX of the payment sent on XX/XX/XXXX chashed on XX/XX/XXXX by XXXX mortgage. They sent this to the credit bur and refuse to remove it. This is not the only issue I have with XXXX mortgage my escrow account now when I went over to Freedom I had a surplus but now I 'm short. {$1700.00} XXXX said I received from XXXX. that 's a lie. XXXX is my new homeowner insurance company and I sent them some money about {$47.00} dollars which XXXX said I should not have sent. I dont know where XXXX got this from, XXXX even tried to put my home in foreclouse and sent me the papers for hardship. I need to know in writing where my escrow went. Freedom mortgage is the wrose

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am deeply upset that XXXX  continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/XXXX dispute results, for the second time same issue. BK # XXXX from was removed from my XXXX  credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by XXXX. Due to this inaccuracy being reported my family and I are being affected. I am on XXXX XXXX from the XXXX of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

XXXX continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXXXXXX XXXX XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.

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 02-02-2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call 4 and 5 times in a row back to back. It 's horrible. I 'm working and talking to customers and my phone rings 5 times back to back?!?

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Medical debt) with Receivable Management Group, Inc. (GA) (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: rec XXXX XXXX XXXX, XX/XX/XXXX, paid, XXXX XXXX XXXX XX/XX/XXXX, PAID, XXXX XXXX XXXX XXXX XX/XX/XXXX PAID. XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX.PAID. XXXX XXXX XXXX XX/XX/XXXX OVER 10 YEARS OLD XXXX XXXX XXXX XX/XX/XXXX, PAID XXXX XXXX XXXX XX/XX/XXXX, PAID XXXX XXXX  XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XXXX, XX/XX/XXXX, PAID XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED CHARGE OFF XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX CLOSED CHARGE OFF XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX CLOSED CHARGE OFF XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED CHARGE OFF

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (Conventional fixed mortgage) with AMERICAN SOUTHWEST MORTGAGE CORP. (CO).
Issue: Application, originator, mortgage broker

Complaint: Complainant was referred by a web lending service to First South Mortgage in XXXX, TX. XXXX/XXXX/2015. Complainant was contacted by said lender and conveyed intentions to secure a refi cash out loan on a Texas rental property and use for the down on a new XXXX loan for a winter home In XXXX XXXX, TX. Loan officer assured me she could handle both loans by XXXX/XXXX/2015. Complainant entered into due diligence with loan agent. Loan agent misrepresented capacity and failed to close on dates promised, Complainant incurred XXXX extensions and addition expense due to lender malpractice. Lender upon indicating they would close the mortgages scheduled the remote notary to my home and it was discovered the refi was not included in the documents but delayed XXXX weeks. Complainant had to scramble and secure {$110000.00}. to provide closing funds to not lose the house. After contacting lender for why I was not informed both loans were not included, they lied and told me they never intended to run the loans concurrent, as was discussed on XXXX/XXXX/2015 and the basis of my awarding the loan packages. Complainant was not informed he was required to post personal funds to close, lender `` XXXX '' the XXXX mortgage and postponed the refi, after ALL due diligence had been done, to the tune of XXXX hours of my time and my secretary for both loans. ON XXXX XXXX lender emailed me, dropping the refi entirely, leaving me holding the bag for {$110000.00}. out of pocket and having to find a new lender to facilitate making me whole. Many details and malfeasance is left out here and can be included at a later date. The Texas XXXX indicate the Application of First South to begin business in Texas was not fully approved as of XXXX, 2015, according to their web site. Lender jumped the gun and began taking referrals from a web site and conducted business with this Complainant in a shoddy and criminal manner, without having completed their obligations to the State of Texas..

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, I have received notice on my XXXX and XXXX credit report stating that I owe {$660.00} to XXXX and this is impossible due I have currently have my cell phone, internet, home line through them for over 10 years. There must be a mix up somewhere. I called XXXX and they have no record of this, They dont want to lose a value customer over a misunderstanding somewhere but not on there end. Please look into this. This is affecting my reports. 

Thanks, XXXX XXXX

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 12-07-2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone by the name of XXXX is calling asking for social security number to collect debt on a property I do not own. They say the name of the company is Ocwen Loan Servicing LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 tried on multiple occasions to get Transunion to remedy inquiries that have been placed on my credit report which lack permissible purpose. Their answer is always " Inquiries are factually based. '' Any complaints in writing are met with a condescending explanation of what inquiries are, and how long they stay on a credit report. Their assertion that inquiries are n't disputable is a violation of the FCRA, as is their equally incorrect assertion that the consumer does n't need to " put anything in writing '' for the inquiry to have permissible purpose. ( Section 604 of the FCRA would contradict that claim. ) Then, when I write to each creditor that I am disputing inquiries with, and they agree that the inquiry should n't have been placed on my credit report, they call Transunion and are told that they ca n't make changes to my credit report. This is after Transunion reps told me that I would have to dispute the inquiry directly with the creditors. And finally, when the creditors do n't respond to my written disputes, or the letters are sent back marked " return to sender, '' Transunion reps tell me that my only remaining option is to visit the creditor personally, because I 'm seriously going to drive from North Carolina to Texas or California, all because Transunion wo n't give me the correct information and proper tools to do their job for them. XXXX is equally obstinate concerning not allowing the dispute of inquiries, which I still maintain violates the FCRA, but at least their representatives are friendlier while refusing to listen.

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 08/16/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They claimed they could not access the files I submitted as were password protected. I am requesting they remove the 30 days late report to XXXX XXXX XXXX XXXX from XXXX 2016. I tried and sent this info to them XXXX2016 without satisfactory results is what triggered this complaint. I have attached a readable file showing that this was reported in Error.

Company response to consumer: Closed with explanation