milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2016 about Debt collection (I do not know) with Midwest Recovery Systems (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: MIDWEST RECOVERY SYSTEMS has reported a " collection account '' to numerous credit bureaus in error. I do NOT owe them nor anyone they claim to represent any balance!

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Student loan (Non-federal student loan) with AES/PHEAA (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was added as cosigner on a student loan through  XXXX   XXXX   XXXX  in  XXXX . When I fiiled out my portion of the paper work I added  XXXX  stipulations for the loan :  XXXX  Interest would be paid during school to avoid a Higher amount of principle at the end of school.  XXXX  I be notified if the loan payment is late.  XXXX  do not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX    XXXX  took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  XXXX   XXXX   XXXX  and then National Collegiate Trust. The loan is serviced by  American Education Services  and despite 11 years of attempting to resolve the fraud with AES I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in Nebraska and Pennsylvania and Inspector Generals in both states as well. My credit is still effected. NCT and  AES  are the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit held hostage or give in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Getting a loan : Qualify for a better lo an than offered

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (OH).
Issue: Struggling to pay mortgage

Complaint: This time last year I mail in a payment of XXXX twice in the month of XXXX, the mortgage company contacted me stating they could not find the money orders. I faxed over a copy of the reciepts for money orders and then they said they found one and not the other. Finally they found the other by then it was two three months later which put me behind a couple payments at the time. I tried to do a pay down payment plan for payments that where behind I was told to do loan modification and I went through that process but keep getting the run around on that, I sent in all paperwork from income verification and bank statements, everytime sent these items in they add a different month on these documents. I just sent another round of documents which also included my wife 's income and now they saying they need more bank statements and proof of income again I have sent these documents several times, I am desparetly trying to stay in my home and keep getting the run around meanwhile money is incruing on this account. please help save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed several accounts on my credit report that are related to ID Theft. I also submitted a copy of my police report, victims supplemental financial loss report, and a signed ID Theft Affidavit. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ... .XXXX XXXX XXXX XXXX BANK XXXX ... XXXX XXXX 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 explanation
Consumer complaint received 02-03-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Unsolicited issuance of credit card

Complaint: Today I went to Sears and wanted to purchase XXXX bed pillows at {$3.00} each. My intentions were to use my bank debit card. The cashier, who by all appearances appeared new and struggling with Sears ' computerized register, asked me if I wanted the pillows for free. The cashier further stated that all I had to do was give Sears my information and e-mail address for promotions and related information that Sears was giving their on-line customer base. I gave my information based on those representations although she was struggling with inputting the information on the computer. As it is recalled, at no time did the cashier even mention anything about a credit card. Next a receipt looking document popped up ( attached ) that fraudulently stated that my application could not be processed at this time, The issuer of Sears MasterCard. Remarkably, there was no mention of who that issuer was. I telephoned that number and the prompt said that my application for a credit card was denied because of too little credit. I then got someone on the phone from Maryland who would not identify themselves with any company and told me I would have to take it up with XXXX. The prompt controverted what the receipt said, thus rendering this a deceptive, unfair and abusive practice. I did not want nor need another credit card. I have a XXXX XXXX Credit Card through XXXX ( {$2400.00} limit ) and another XXXX credit card from XXXX XXXX XXXX XXXX. I would n't take another credit card even if it was free since I do n't use the ones I have, and am a " pay as you go '' person. Moreover, I am almost XXXX years old, elderly and XXXX and have been duped. I am presently in a pre-approval posture to purchase a home and the derogatory mark from the decline could cause me to lose funding, and/or cause a lender to use that as an excuse to bump up the interest rate. I have a clean credit history and my credit score is in the XXXX. I am a XXXX Veteran of the XXXX XXXX XXXX and it is reprehensible that Sears would behave untowardly with a person of my age and health situation, not withstanding the fact of causing stress and anxiety. Sears refuses at my request to rescind the credit application garnered through deceit and/or inaptitude and puts it on Citibank ( Citicorp ) and/or XXXX. THIS IS AN UNSUCESSFUL ATTEMPT BY SEARS TO GET AN UNSOLICITED ( BY ME ) ISSUANCE OF A CREDIT CARD WHICH HAS SULLIED MY REPUTATION AND CREDIT REPORT. 
The application reference number is : XXXX ( see attachment )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2016 about Consumer Loan (Installment loan) with Tulsa Adjustment Bureau (OK).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX XXXX utilized XXXX XXXX for XXXX report. My billing\payment information was not sent with the request for service. I was never contacted by XXXX XXXX billing department. All my XXXX expenses have been honored by the Veterans Administration and have been closed. I did not become aware of the account payable until I reviewed my credit report. I contacted XXXX XXXX XXXX and they acknowledged that I was not contacted or allowed to make payment of the account prior to placing a claim on my credit report. Diagnostic Imagining had written off the account according to the XXXX XXXX XXXX and they are demanding payment and refusing to discharge the claim from my credit report. I contacted XXXX XXXX and gave them my correct billing/payment information to resolve the issue. I called this information to XXXX XXXX agency and they said that they were sending me a thirty day notice and they would take further actions if I do not make the remittance to them. I told them that I was paying XXXX XXXX since they provided the service. My issue is : the XXXX XXXX XXXX has the authority to make an adverse impact on my credit report. A transaction agreement usually requires at least two parties. Even though they acknowledged the fact that I had never been made aware of the account billing and I had not been provided the opportunity to resolve the balance, they have the means to impact my financial being legally. While I have no recourse except to dispute the claim with the XXXX Credit reporting agencies or pay XXXX XXXX XXXX and hope they remove the claim. XXXX XXXX XXXX made the contract with XXXX XXXX but failed provide billing/payment information. XXXX XXXX failed to obtain the billing/payment information from XXXX XXXX XXXX who was paid in full by the Veterans Administration. Since credit reporting is suppose to be about the transactions between two parties, I do not think a third party should be able to hold me hostage and effect my financial aspects without my prior knowledge of the debt. This is why I am here typing out this complaint for all Americans who have been a victim of false credit reporting due to poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Student loan (Federal student loan servicing) with Williams & Fudge, Inc (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I contacted Florida XXXX and XXXX XXXX XXXX XXXX about my federal loan. They are refusing to apply the amount I qualified for in Fall of XXXX. They are claiming there are timelines. This is not true. I contacted fasa and they said it is up to the school. Furthermore, I was told my financial aid was incomplete by the university. I never received any correspondence stating this. 
I and, my mother contacted the University 's financial aid office several times, and was told everything was fine and, my award would automatically be applied to my.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Payday loan) with Acceptance Solutions Group, INC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Keeps calling numbers that are not mine. And talking to 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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX    XXXX   XXXX   is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating the  credit score c ausing the score to be lower by  XXXX  basis points. I have contacted  XXXX  regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year.  XXXX  corrected my credit reporting for all   XXXX    credit bureaus and  XXXX  for my husband. When I contacted  XXXX  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's  XXXX  report back to the incorrect reporting and then started reporting his account under my son 's credit reporting ( son is a  XXXX   ).  When I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers   XXXX   XXXX   XXXX    XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's  credit score  to be lower by  XXXX  basis points. We know this because when  XXXX  was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have been trying to get  XXXX  to fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how  XXXX  and Experian can lowe r my credit score  by  XXXX  basis points as soon as the account is put into a 'dispute ' status.  XXXX  lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom this may concern, I recently obtained a copy of my credit reports, as I was revewing everything I noticed some unauthorized ( hard inquiry 's ) reporting on my files with the CRA transunion, I have sent disputed letters certified mail, also disputing over the phone only for them to tell me there 's nothing that they can do, these unauthorized inquiries need to be deleted/removed from my credit report ASAP, I have no accounts linked to these inquiry 's. 

UNAUTHORIZED INQUIRIES : 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 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: These medical accounts should not be on my credit reports they all are under 180 Days please Remove Off My Transunion credit report due too hippa violation!!!

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 03/23/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom it may Concern: I have submitted numerous complaints to this agency regarding the awful practices of Chase Home Financial - a company that is refusing to accurately report my 2011 Short Sale as a Short sale and instead continue to report to the credit bureaus that my loan was paid after Foreclosure Started.  My account was "referred" to Chase's foreclosure department within the same month that the sale closed as a Short Sale.  Months before - Chase had already agreed to the Short Sale and the sale was in process per Chase's agreement.  Per the FTC's website - a short sale and a foreclosure are not to be treated the same.  My loan closed as a short sale, the bank never had or took possess of my home and there was never a XXXX.  So why is Chase allowed to continue to report my Short Sale to all XXXX credit bureaus in a manner that causes them to threat the short sale as a foreclosure for reporting purposes, keeping it on my credit for 7 years and thereby damaging my entire credit rating and holding me hostage from a financial perspective?  I have been reporting this to the CFPB for a year and you've done nothing to to enforce your own mandates regarding Short sales that are stated on the FTC website.  I've also spoken to an attorney about taking action against Chase.  My attorney advised me that a case would be a losing proposition given that the CFPB has not demanded or published any regulations requiring the banks and the credit bureaus to properly treat short sales as short sales versus a foreclosure.  So why then do you have the information on the FTC website at all if consumers can not rely on it and the banks and credit bureaus are not Required to adhere to it?  I negotiated a short sale with Chase and the transaction closed in a short sale - I've submitted volumes of documents to your agency evidencing that and Chase does not disagree that the sale closed as a short sale.  However, despite the fact that Chase agreed to a short sale they still referred my property to foreclosure the same month that the sale was closing and now have been allowed to damage my credit by erroneously reporting a short sale as a foreclosure and the credit bureaus are treating it as such.  Until the CFPB requires the credit bureaus and the banks to follow the standard articulated by the FTC and distinguish between the XXXX, consumers like myself will continue to be held hostage by the banks and unfairly punished for something that did not happen.  The CFPB needs to address its lack of enforcement in this area or stop taking mortgage complaints regarding short sale reporting - this is worse than the banks to have clearly articulated mandates for the banks and credit bureaus to follow and then not enforcing them at the consumers expense - so annoyed and disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with The CBE Group, Inc. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We are owed {$500.00} from XXXX XXXX and they have refused to pay for damage done to our roof while installing XXXX XXXX XXXX. Instead of paying us the {$500.00} they have ignored and state that we owe them {$340.00}. We have disputed this. We have been receiving harassing calls from their collection company as many as 3 calls a day. As an example on X/XX/2017 they called three times from two different numbers. They have sent email when told not to contact us via email and send any communication via US Mail. We have filed a formal complaint against XXXX XXXX XXXX XXXX XXXX for refusal to pay for damage to our roof caused by their installer.

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 03-05-2016 about Credit card () with JPMORGAN CHASE & CO. (HI).
Issue: Closing/Cancelling account

Complaint: On or about XXXX 2015 Chase Credit Cards issued me a XXXX/cancellation of debt. I never requested the debt be cancelled and I was actually willing to work with them to resolve this debt. They advised me that they issued the XXXX because they made no effort to collect the debt. I contacted Chase to discuss this account but they were unable to help me which I will never understand. I do n't understand how their failure to attempt to collect an account becomes a tax burden on me. I never once asked for the debt to be forgiven, I created the debt and was willing to pay it they just did not want to collect it. Makes no sense to me!

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Payday loan, title loan, or personal loan (Payday loan) with ACQ Holdings, LLC. (MO).
Issue: Charged fees or interest you didn't expect

Complaint: I took a small {$800.00} loan out with XXXX  on XX/XX/2017 ; I asked that the re-payments be made in three equal installments, after the first discounted installment. The first payment was taken out on XX/XX/17 in the amount of {$100.00} ( 1 payment ) and they have taken subsequent payments every two weeks in the amount of {$200.00} ( 4 payments ) which equals {$910.00}. I called in and asked why they were taking that amount out and was told to " look at your contract '' which I did and it showed the interest rate in excess of 651 %! I was livid and I told them to go back and LISTEN to the recording where I requested my payments be made in 3 equal payments. They did not. I finally called again today and was told the payoff ( with their discount ) was {$870.00} and change. I asked why after they had taken out over {$900.00} on an {$800.00} principal amount was it still in excess of {$800.00}!! I was told it was " interest ''. I told them to remove my name and that I would be filing a complaint. I was told to go ahead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I currently have a student loan through Navient. I have called to discuss with them the fact that you are unable to make a principal payment on your student loan. They always give you a run around and I feel that they are making your payments work best for them. The records that they provide are very vague as far as how payments are applied and so on. I have tried to check and make sure that my payments are being applied the way that I want them to be, but it is impossible to tell. I feel very deceived and they should be forced to allow an option to choose how you would like your payment to be applied. In addition, their customer representatives are extremely unhelpful and simply get you off the phone as fast as they can. As a student, I am forced into this loan program, this is a government program and the government should ensure that students are not being mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: by end of XXXX 2017, I found all my 3 credit card with XXXX balance at Bank of America has been closed without notice, while there is a reward card has XXXX $ worth award left unused, I tried to contact the bank and ask for reopen, they wont be able to give a reason why closed at first place. so I am asking CFPB for further help, I paid the annual fee but be closed less than one year, so I believe the bank should offer compensation or refunded for the annual fee

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