milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2017 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This company has continued to call me after I informed them I would not speak with them unless they sent me something in writing. I have not received anything in the mail from them. 
They continue to call my mobile phone, office phone and phone numbers belonging to my family members from two different outgoing numbers. 
Today, XX/XX/XXXX, I received a call at XXXX on my mobile from XXXX, again at XXXX from XXXX and then again at XXXX on my office line from XXXX. When I picked up the office line it was dead air and then a hangup. I answered the phone with my company name. 
The company has provided no information as to the status of the debt, they have just informed me that they will take legal action within a week if I fail to respond. They told them same thing to the other person they called in my family looking for me. Additionally, they informed me that they already placed derogatory information on my credit report. 
The callers refused to provide me with any information about who they were or what they were calling about unless I provided my full social security number. I did not and will not do that over the telephone.

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 12/22/2015 about Student loan (Non-federal student loan) with Vermont Student Assistance Corporation (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Private " XXXX '' loans offered by VSAC requiring filling out a paper deferment eligibility form every 3 months which requires a phone call to VSAC to request and several weeks to wait for arrival. However, as I 've repeatedly notified VSAC, I am full-time student as the student national clearinghouse reports until XXXX 2016 with {$0.00} in annual income. Regardless, VSAC requires this form be completed every 3 months for this loan only, while other loans do not require this. This puts an undue burden on the borrower, and requires that I continually call into VSAC every 3 months to go through the same process repeatedly, increasing the likelihood of missed and/or late payments on my part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have tried for at least 8 months to get items that are incorrect and or not mine removed and they seem to do whatever they want with my credit. I am having a major issue with Experian performing an actual legal Dispute investigation they are violating my rights by not complying with my legal right to request any or all documents i request in my file, they are completing disputes but not providing me the original documents verifying these claims. This is a written request that you investigate items that I believe to be reported in error.

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 03-08-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Problems caused by my funds being low

Complaint: The MN Statute allows that creditors charge no more than {$30.00} for an overdraft or NSF fee. How are banks in MN charging more than this? I have seen fees as high as {$38.00}.

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 explanation
Consumer complaint received 01/23/2018 about Mortgage (Conventional home mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied and received a preapproval from HomeBridge Financial in XX/XX/XXXX. I found a townhome and went into escrow in XX/XX/XXXX, the loan officer ran my credit numerous times so he was aware of my credit score and finances, he requested documents as required and I complied with everything. In XX/XX/XXXX a offer was accepted and he informed me that my loan documents had passed underwriting and that I needed to pay the ( non-refundable ) appraisal fee to process the loan. I inquired on numerous occasions if we were good to proceed as I didnt want to spend money on something that was not going to work he said yes well the conventional loan failed underwriting, he then asked me to write a letter removing a dispute from my credit report stating it was a underwriting requirement for a conventional loan which it is not, he then stated it was my fault and my credit score as it had gone down from use when I provided him with documentation to the contrary and that my score was lowered due to his multiple running of my credit and removal of dispute he said we can get a fha loan after 60 plus days in escrow and his inability to secure a loan I am now left with a financial loss due his lack of knowledge or unethical conduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 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: Their investigation did not fix an error on your report

Complaint: I have disputed a collection on my account from XXXX XXXX XXXX requesting verification of this debt..i have also submitted 3 requests through CFPB and each of those complaints came back that this collection company is not responding, i have sent certified letters to this collection agency also and never got any responses either, when i dispute with Equifax each time they just say it was verified despite me asking constantly for verification i have no knowledge or verifications of this debt, i disputed with XXXX and XXXX and they been removed it but equifax has yet to verify or provide me with anyrhing this is unfair to be being reported and despite my multiple attempts to verify i still get no responses and also when CFPB sends complaints they dont respond back to them neither

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: This loan has a XXXX APR I 'm pay XXXX every two weeks for one year on a XXXX loan I tried paying them off early only to get the run around as if the phone had a bad connection and I tried going online to pay them off and they said I could because I still had two more days before my due date and that I could n't use another debit card to pay off the loan

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian is reporting in accurate names, addresses and social security numbers on my credit report that I feel is affecting my credit and putting me at risk of identity theft or a credit merge. 

Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA.

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 04/25/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Attn : XXXX XXXX : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In correspondence dated XX/XX/2016 I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to your company, under FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that you are to delete the fraudulent account from my credit report and give up all collection activity. Your company not only failed to do this, but also verified the debt as a valid debt when the credit bureaus contacted you to verify validity of the debt. This is a blatant violation of my rights FCRA. Additionally, the only response to the ID Theft report that I had sent your company was sent to me by your assignee XXXX XXXX XXXX, who perplexingly claimed that I needed to send them more information, and perplexingly they asked for the police report 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 10/14/2017 about Mortgage (FHA mortgage) with GATEWAY MORTGAGE GROUP, LLC (NJ).
Issue: Closing on a mortgage

Complaint: Bought a home with gateway mortgage company. The home needed few repairs .Was given a XXXX loan and {$31000.00} towards repair .Gateway give the contractor to us even when we refused the contractor they insist we have to have repair done by recommended contractor. Contractor got money no repair done up to now ripped home apart has not comeback and got money from gateway has not get the job done.we have no place to cook for our kids and we already paid one month mortgage and still no contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My private student loan is currently being serviced by Wells Fargo. It currently has an outstanding balance of {$50000.00} I have tried on multiple occasions to work out an agreement with Wells Fargo but have been unsuccessful. In one instance, I spoke with XXXX XXXX XXXX, who gave me the instructions on how to file a Hardship Affidavit. Based on our phone conversation, I was led to believe that my request for a hardship repayment plan would be favorably viewed. I have attached the instructions I was given to submit the Hardship Affidavit and a copy of the affidavit eventually submitted. After waiting about a week, I called Wells Fargo to get an update on my request and spoke with numerous representatives from various departments who informed that I would not qualify for any form of hardship repayment. I currently have child support that I am diligently paying off, {$100000.00} in outstanding federal student loans and simply do not have the funds to continue making the current payment for the private Wells Fargo student loans. I respectfully request that the Consumer Financial Protection Bureau helps me work an agreement with Wells Fargo that provides some monetary relief to me so that I can both pay off the debt and be able to meet my other financial obligations. I am currently working overtime on full time job and even picked up a second part time job. However, even with this part time job its simply not enough.

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 10/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I send a certified letter to the creditor to this addresse ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to obtain a written verification documentation concerning the account dispute. sixty days pass without a response from creditor. I joined a copy of the letter to XXXX XXXX XXXX and asked Transunion credit report to investigate and the result came and state remain .the creditor keep updating monthly the account as charge off. after several call to the creditor they finally said that the account is transfer to XXXX collection agency since XXXX 2012. I wrote to Transunion again asking them to prove how their investigation was done and they should delete inaccurate information on my credit file. Transunion responded that the information is corrected and will remain. I need Transunion to delete or update the inaccurate information on my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: Applied for refinance with my current mortgage holder Chase Mortgage in XXXX, Texas. Locked in rate for 90 days in XX/XX/XXXX. I was notified the day the rate lock expired, XX/XX/XXXX, that the title company was unable to secure records showing a secure and clear lien on my home and that supposedly the title company could not provide an estimated time to secure these records so Chase Mortgage decided to let the rate expire. My wife within 2 hours of searching the internet found all the required documentation in the local county 's office website and on a federal website and she has no formal training or background on how to perform these type title searches so surely a title company and Chase should have been able to find it in 90 days. Additionally, there is provision in the law that allows the current lien holder, Chase Mortgage, to execute an affidavit to secure the lien which takes less than 30 days and Chase Mortgage chose not to perform this task as well thereby choosing to allow the loan rate to expire. Additionally, Chase Mortgage was the current holder or the lien and had secured a previous title policy securing the lien in XX/XX/XXXX so Chase knew the records existed and should have had clear record of this information since they were the current lien holder. Now, Chase mortgage is refusing to honor the original refinance rate, refusing to reimburse my earnest money, refusing to reimburse my appraisal fees, and not returning my calls or emails. I have secured all the proof that Chase and the Title company had access to this information but failed to secure it so they could let the rate expire and keep my at my current rate. I am requesting that Chase honor the existing refinance rate of XXXX and finish my refinance per the original contract agreement. My Chase contacts are XXXX | XXXX | NMLS ID XXXX | Mortgage Banking | Chase | XXXX, TX XXXX | Office : XXXX | Fax : XXXX | XXXX XXXX |XXXX | NMLS ID XXXX XXXX Mortgage Banking | Chase | Office : XXXX | XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I received an offer from capital one credit for a zero percent interest check. I went ahead and deposited it into a capital one account. They went ahead and put a hold on it and when I called the rep she told me they check is fraudulent. Then putting on a hold on it somehow made my account go negative. Not sure why and the rep could not explain to me anything. The they made it positive again. Would be nice to have competent people on phone to answer questions. Then the check posted to my credit card account and they sent me a letter saying they have confidential information the check is bad. What 's going on with this place and what is this confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (FHA mortgage) with Selene Finance LP (MD).
Issue: Loan modification,collection,foreclosure

Complaint: About XX/XX/XXXX, my loan was " sold '' to Selene Finance by XXXX XXXX XXXX. At the time I began working with Selene to obtain a needed modification as I was unemployed and then return to work making less than before. Selene offered me a forbearance agreement that would result in a loan mod. The terms were a six-month trial payment plan which I agreed to along with their requirement for me to make my first payment via money order and the rest by ATF draft. The ATF draft form was sent to me along with the agreement package, pre-filled with my name, address, draft amount, etc. All I had to do was fill in my bank information, sign it and send it back with the other papers. Selene received the package and cashed the money order, but never started drafting the money out of my account. When they finally contacted me about my payments, they claimed the ATF form was not received. Then after further conversations and me submitting a copy of the signed form, they admitted that the form was in my file, however, the form was invalid because based on my particular agreement I never should have received an ATF form in the first place. I asked how was I supposed to know that since they sent me the form pre-filled. I argued I should n't be penalized for something that clearly was not my mistake, but to Selene it did n't matter and that I was now in default of the agreement. I sought help through a mortgage counselor who witnessed the difficulty and inconsistency in Selene 's communications. The counselor referred me on to an attorney. My only goal was to have Selene honor the original agreement as I feel they had no right to put me in default over their mismanagement. Now in XX/XX/XXXX, after all the attorneys and the back and forth, Selene offered me another forbearance agreement that was clearly a set-up for failure. The terms are vague with no guarantee of resolution to a modified mortgage. If I had signed, it would have been a no-win situation. I would have been at the mercy of Selene and still with the threat of foreclosure over my head which they made very clear was still on the table. So after several years of fighting this, this is where I am with seemingly very little recourse. Lastly, I learned through all this that Selene is a mortgage servicer. Another entity actually owns my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with Colony Brands, Inc. (CT).
Issue: Billing disputes

Complaint: Never applied for credit account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The inquiry XXXX/XXXX/16 from XXXX XXXX XXXX XXXX i did not authorize, all i did was call and get a quote for service. I did not not order service or authorize a credit inquiry, or was i told that one would be ran. I have contact XXXX several times asking then to remove it and was told that it would be but it remains! I have all so contacted Equifax and has been told that i ca n't dispute an inquiry and they can not remove it.I did not authorize the inquiry so remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Medical) with ARC Management Group, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: over a year ago i was apparently in the hospital. i was supposed to be covered by insurance, the hospital never told me about any payment nor did they attempt to contact me. i now have a payment in collections and am unable to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: American Education Services has been harassing me and my co-signers. They have given us misinformation, put a loan into default when there were timing payments being made and in general is grossly incompetent and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I continue to have problems financing and my  FICA score i s continually low way under  XXXX . They have my grandfathers information even though we have separate ss numbers, and a different middle name. They have old and outdated information which after corrected reappears. While they will give me a report I can not download it for review, print it or anything. It takes weeks to get a copy meanwhile my finances are impacted. Wrong information is of course shared between all three credit bureaus and none evidently care what is posted correct or otherwise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed this account 3 times with XXXX, XXXX and Transunion. I asked each credit bureau to send proof of validation and each time I keep getting a report back saying that this account has been updated or either closed but no proof of validation from this company or no original contract and by law if this is reporting on my credit report, I have the right to send me proof of validation. However, I did receive a letter from a collection agency with a total different amount that 's reporting to the credit bureau. I am not liable for this account. They have no proof of validation and reporting different amounts to collection agency and credit bureau. Please have credit bureau send me proof of validation or remove this from my credit report. They are reporting inaccurately.

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