milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2016 about Debt collection (Medical) with ATG Credit, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was checking my credit report last night and noticed it had dropped XXXXpoints and there was a collection account listed. I looked at the collector 's name and called today. I informed them that I never received any type of communication regarding this debt. The man I spoke to who 's name is " XXXX '' told me they sent out notices to an unknown address. I related to him that I live at a different address. He then told me there was nothing I could do but send dispute letters to the credit bureaus. I told him they have hurt my stellar credit rating and I am in the process of buying home. He then told me the debt was for XXXX -- that is right XXXX. The agent then hung up on me. I called back to get his name and they put me on a very long hold and hung up. I called again and was finally able to get his name. I have sent them a debt validation letter and they have not responded to that request. I looked the company up on XXXX and they have the worst reputation. They are ATG Credit LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: During the time was going thru XXXX in 2007my credit cards were stolen and charges were made with out my knowledge or consent.I called the creditors who refused to help and they instead sent the accounts for collection. I have disputed the account many times they miss report the dates and sold the debts to XXXX party agency who keep renewing the age of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I had a Short Sale which closed XXXX/XXXX/2011. There was as XXXX & XXXX mortgage. I paid the XXXX mortgage ( HELOC ) Charter one bank the whole time and never missed a payment. They agreed to settle the debt. They are reporting on my credit that it was delinquent and a Charge off. It should be reporting as Paid as agreed, never late and debt settled*** Not delinquent payments and a Charged off balance still reporting. I even have an email from them promising this would settle the debt to a XXXX balance.This is damaging my credit and causing me financial harm. I am trying to refinancing and can Not because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Experian Deleted  XXXX   XXXX  from my report other than reporting all payments made on time. Experian refused to put in righting why it was deleted. I talked to multiple representatives and was treated with disrespect. I asked for management staff and was given a number of someone and left message and di not get a returned call. I do not remember who it has been a while. I had to take a break from this as it has been to much   XXXX   trying to deal with a system that is geared towards protecting companies other than consumers. More so if you fall into l ow credit score. I ha ve never had to deal with this and now see how our current is geared toward keeping low score people enslaved and abused. I have a  XXXX  I have made it clear to EVERYONE and it falls on deaf hears. I feel as if everyone would rather I follow through with my   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 06/20/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NC).
Issue: Trouble during payment process

Complaint: Shellpoint Mortgage purchased my home from the XXXX XXXX XXXX on XXXX/XXXX/XXXX. I received a letter from XXXX XXXX stating that it will take from 60 to120 days to review my account XXXX and to just complete the account information sheet that was enclosed therein and return it on XXXX/XXXX/XXXX I received a note stating that I need to pay {$13000.00} by XXXX/XXXX/XXXX or they will foreclose on my home. this is not right they advised me that if there were any past due amount on the ; loan they would place it on the back end of the loan,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Other mortgage) with Statebridge Company (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I had a land contract on my house loan was paid off  XXXX   2016, deed ha s not been transferred to date. Contacted company to no results.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Management XXXX, has made repeated telephone attempts to collect a + {$200.00} debt on behalf of XXXX. The problem with their story is that XXXX auto debits my bill, and when I called XXXX, they said they never heard of Credit Management. 
The only other scenario I can imagine is that someone has stolen my identity, despite having a bank supplied identity protection service.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (CT).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/2010, years after having XXXX, my XXXX again, forcing me out of work. Seeing a potential problem on the horizon, I contacted my lender, XXXX, to get into the HARP program. I filled out the required documents, and met the requirements for HARP. I spoke to the bank rep that worked with HARP/HAMP. He asked me " are you having problems making your mortgage payments? '' I replied that things were tight, and that is why I wanted to refinance the mortgage and equity loans. 
Unknowingly, I was put into the HAMP program, and was told to make reduced payments for a trial period. I did this, not knowing any better. About five months later, I get a package in the mail, stating we had been accepted into the program, and our mortgage payment would be about {$120.00} lower then the original monthly payment, and the loan would be extended for 40 years. That would have me making payments until I was XXXX years old, and the XXXX was more then I was paying during the trial period, and would be swallowed up with the next property tax and insurance increase. I opted out of the program. By this time I had been notified that this was HAMP not HARP, and because I was making reduced payments, I now had a history of late payments and was then, no longer eligible for HARP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a threatening voice mail from an  XXXX   XXXX  stating that she was from HSBC at  XXXX . She threatened me with the following statements : That they will find my employment, freeze my assets, and that my " personal finances will be interrupted '' in 72 hours if I did not contact them. When I called her back, she became extremely argumentative and when I asked for her supervisor, she refused to transfer my call. She hung up on me. I called her back and when I asked the lady who answered for a supervisor, she indicated that she was one. When I told her I wanted to know why they had threatened me, she became evasive. I asked her for her supervisor and she hung up on me. All in all, I tried 4 calls to find out why they were calling me, or if the call might have been for my mother. These people were rude, threatening, and should be stopped from making threats. I have attached the voicemail recording for your information and review.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a zero bal and needs to be removed

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 10/30/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I have been on a repayment program with Wells Fargo since XXXX 2015. Set up my first payment of {$200000.00} on XXXX XXXX, then XXXX XXXX, XXXX XXXX, and then called today to set up a payment on XXXX XXXX. I was told by the representative that I was breaking the program rules by setting up the payment so late, I advised her I have been on this program since XXXX and this is the first time I have been told that. The account manager would talk over me and kept saying I needed to set it up on XX/XX/XXXX and that I just could n't call in when I felt like it and set up a payment. I asked them to escalate the call and finally set up a payment with XXXX and opened up a case with them advising her I am tired of everytime I call in the rules to this program seem to change.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing disputes

Complaint: In XX/XX/XXXX, I filed a billing dispute with Barclay Card for a {$99.00} charge to my credit card on XX/XX/XXXX by a merchant called XXXX. I informed Barclay Card that I had tried to resolve the issue with the merchant but the merchant was unresponsive. I provided Barclay Card with documentation in the form of a XX/XX/XXXX XXXX e-mail stating that if I signed up for XXXX on that day, the second month would be free to me and XXXX would not charge me a monthly membership fee until XX/XX/XXXX. I also provided Barclay Card with an e-mail confirmation proving that I did in fact sign up with Class Pass on XX/XX/XXXX. Subsequently, I received a XX/XX/XXXX letter from Barclay Card which stated that Barclay Card 's investigation could take up to 45 days. I waited well over 45 days and when I did not hear back, I called Barclay Card around XXXX/XXXX/2015 and was told that Barclay Card had closed my case without resolving it and without informing me. Misleadingly, my Barclay Card billing statements still included an untruthful note that they were still investigating my billing dispute. Then, I faxed Barclay Card again and asked that my billing dispute be re-opened. Unfortunately, Barclay Card responded by sending a letter to me on XX/XX/XXXX stating that " Due to the length of time that has passed since this charge posted to your account, we are unable to take further action on this disputed charge. '' I timely filed my dispute yet Barclay Card is now saying that they can not do anything about the disputed charge because it is too late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-11-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In XX/XX/2017, I had just returned to school from XXXX break and I received an email saying my account had unusual activity. When I checked the account, someone had hacked my acc and uploaded fraudulent checks. I immediately contact Bank of America and informed them. They begin to accuse me and closed my account. The representative was really nasty when I informed him that I did not do this nor did I attempt to spend anything from these fraudulent transactions. I asked them to investigate this before closing my account because I did not want thi to affect my credit going forward, however they didnt. From my understanding when I was speaking to the representative he told me the account would be closed.

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 07-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My lender, Ditech is not applying my payments to my principal balance and are charging me fees they make up themselves this has been going on for 6 months

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Back in XXXX 2007 I disputed a Tax Lien on my report. Trans Union investigated and removed the incorrect data. Despite verification from the Court that this lien was " EXPENGED '' it has not re-appeared on my credit report as " satisfied or paid. '' which is INACCURATE, FALSE and FRAUDULENT.

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 12/30/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hi they will not up date my account with XXXX the account was paid in full no balance owed also they are putting fraudulent medical accounts on my credit I have full coverage medical insurance from XXXX Obama care no deductible or they are bringing old deleted accounts back as new and selling them to different companies please help me thank u

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Bankruptcy

Complaint: XX/XX/XXXX after 37 years of business I had to put my XXXX into Chapter XXXX bankruptcy. We were a XXXX. Suppliers and creditors that had personal guarantees I found a way to pay. CHASE would not except the bankruptcy and insisted it was a personal account even though they had been sending the statement to the corporation and was being paid by the corporation since XX/XX/XXXX. I tried to work with them. Sent letters. Had my attorney send letters, talked with them on the phone. They would not work with me even though the card was only used for business. When there reporting got to the credit rating agencies it was not possible to hold the high personal FICO scores we had prior to the Chapter XXXX on the corporation. We were turned down on lower interest rates for our home and it was very difficult to get new credit at all the first year. In conversations I had with there customer service they would say they new the card was used for business but they could not help me. They finally sent me a XXXX which made it income to me, but did not do anything to remove it from the credit reporting agencies. I feel CHASE did not operate in a business manner for this account and would like them to remove it from my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Home equity loan or line of credit) with Dyck-O'Neal, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Client in the process of selling their property. A lien popped up on title from an old XXXX account. The company purportedly handling the lien is called XXXXXXXX, XXXX, TX XXXX. Despite being asked on numerous occasions to provide a payoff to escrow, they have refused. The seller ( client ) now is being threatened with a lawsuit by buyer because of this company 's actions. XXXX is in violation of XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My daughter was going to XXXX when they closed their doors. I HAD Taken out ap parent loan for my daughter and it went through Nelnet as that was where my student loans are through. Both my daughter and I submitted the federal form for loan XXXX eness due to school closure. My daughters financial institution that is handling her student loans accepted it and her loans were wiped out and I have had to reapply 3 times and Nelnet keeps mishandling it and in the meantime is making me make payments and still accruing interest on the loan. Every time I contact them the answer is the same ... .I need to resubmit. I 'm frustrated and do not know what else to do. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax makes you wait HOURS on hold and then those who answer the phone simply hang up on you

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have an account with XXXX XXXX for an auto loan. The account is no longer with XXXX XXXX. It is now in the possession of a lawyer whom is taken care of it separately. This account should be removed since its no longer with XXXX XXXXI contacted XXXX XXXX through Consumer Financial Protection Bureau and all they said was they cant do anything about the account since its no longer in there possession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: placing that I have a debt from a discharged BK wich is false in order to damage my credit for a file already known as ID theft. They simply bought the debt from someone who had to remove it. There is no contact information for themHere is the link from consumers talking about these criminals XXXX XXXX XXXX XXXX & XXXX & XXXX XXXX XXXX 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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were XXXX in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.

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 05-06-2015 about Bank account or service (Savings account) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Account opening, closing, or management

Complaint: I recieved a letter from HSBC bank in the beginning of XXXX regarding dormancy on my online savings account. I called a representative at the bank who informed me my account was locked and I needed this letter/form notarized and returned to them to re-open the account. I requested that once my account was re-opened I wanted to close it and the sum of the account sent to me in a check. The representative said to just note this on the notarized form and a check would be mailed to me. I sent this notarized form along with my written request to then close the account and mail the check to me on XXXX XXXX. Several weeks later, I did not recieve a check so I called again in the middle of XXXX at which time I was told my address on the account was listed as an old address ( I argued that this could n't be the case as I received correspondence - including the dormancy letter to my current address ). Nontheless, my address was changed over the phone and I was told I would receive a check. 2 weeks later, I still had not received a check. I therefore called on Thursday XXXX/XXXX/15 and spoke to a representative then supervisor. The supervisor told me he was going to review the previous calls as they had been misleading and that a check would be XXXX overnighted to me on Friday XXXX and that I would recieve it no later than Tuesday XXXX. On Tuesday late afternoon, I had still not received a check so I called again. I spoke to a representative who told me my account was listed as " pending closure '' which meant a check was on it 's way. I asked to speak with a manager, she told me all the managers were in a meeting and requested I call back after XXXX. This was unacceptable to me so she got a manager out of the " meeting ''. The manager ensured that a check was on it 's way. I asked her to give me the XXXX tracking number, it was XXXX and she said the department that handles that closes at XXXX so they were gone. When I informed her it was not yet XXXX, she put me on hold but said she could n't get anyone. She told me the manager I spoke to on Thursday XXXX would be in tomorrow, XXXX and could get than info and call me with the tracking number. She verified my phone number and said he would call at XXXX on XXXX ( today ). No one called, so I calld today ( XXXX ) at XXXX. I explained that the manager was to call me and was told that that particular manager was n't working until XXXX today! I asked for the XXXX tracking number but am now told a new check was sent out yesterday via standard mail. I requested that a new XXXX get sent out via XXXX so it could be tracked but am told this can not be done.

Company response to consumer: Closed with explanation