milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: I needed to borrow some money to pay some bills that were due and I did n't have enough money to pay them. I contacted several different loan companies but no one would loan me any money. Big Picture Loans said I could get a loan.. 

I signed the contract by e signature. At the time I did n't know I was going to have to pay back not just the {$500.00} but a total of $ XXXX.That is a total of {$2600.00} plus the {$500.00} I borrowed. I called them and they told me I had to pay the {$250.00} a month until the loan was paid off. 

I do n't mind paying a finance charge on the money I borrowed, but to pay over {$2600.00}. I do n't have that kind of money. I am on a fixed income ( Social Security ) I just ca n't pay that kind of money back. This should be against the law. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Mortgage debt) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: BBVA-Compass admitted to making an accounting error ( CFPB Case # XXXX ) which left me with a {$20000.00} bill and not a mortgage. I request the right to have the bill converted back to an up to date mortgage. Because at the time of the accounting error, I was making timely payments. Also, I want to be allowed to refinance the {$20000.00} mortgage at the current interest rate based on my credit scores : XXXX, XXXX ; XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My student loans were in default. I completed student loan rehabilitation and then my loans were transferred XXXX XXXX to XXXX XXXX XXXX. All my XXXX XXXX loans are closed except XXXX that is showing open and I am over 120 days past due. I have verified with the National Student Loan Registry Database as to my student loan servicer and none of them are with XXXX XXXX or Navient. I called XXXX XXXX & Navient directly and they do not have any loans in their database for me. They told me to call Navient as some loans got transferred to them. I contacted Navient and they too told me that I have no student loans with them either. I have now disputed this charge on my XXXX credit report 4 times and they still say that I own this money and I am past due.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX collection showed up on all XXXX of my credit reports from Portfolio Recovery Associates on XXXX/XXXX/2015 in the amount of {$490.00}. It says that the original debt is from XXXX. I have never had any type of account with XXXX nor do I have any charged off accounts on my credit report from them or XXXX who they said later on was the original creditor. I tried disputing the debt with them directly asking for validity which they never did send me. I never got a duinnig letter saying I had the right to dispute the debt nor have I recieved any info on the validity of this debt and proof that it is mine, When I didnt get a response from them i disputed this with all XXXX CRAs and they said that PRA validated the debt. I filed a XXXX complaint stating my issues and they gave a generic answer to them saying that I needed to send a copy of my credit report to the agency for review. 
Now I am filing a complaint with the CFPB asking for help. Not only did I not recieve any type of dunning letter telling me of my right to dispute, I have asked for them to validate this debt with proof that it is mine and they have refused to do it for the last 5 months. They are also reporting the collection as a factoring account with monthly payment history on my report and not in the collection section as required by the FCRA. There have been multiple violations of the fcra by portfolio. I am just wanting the account removed from my report as it is not a valid account and they will not send me any documentation proving otherwise

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with TD BANK US HOLDING COMPANY (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I applied for a redcard credit card and I received a letter statement was not approved. I have excellent credit

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The collection agency reported several collection accounts on my credit report without providing any notices of verification of debts all in violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Doctor 's office was given XXXX insurance information before being seen. Secretary too medical card, made copy and still presented me with a bill. Bill has now gone to collections and is on my credit report. Bill should have been paid in full by 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 05/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was checking my credit for the XXXX time in several years and I have a collection on a car loan from XXXX XXXX as the original loan and now turned over to XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Phone is XXXX ) ) ) ) ) I have never applied for a car loan from XXXX XXXX and ca n't get any info on this company my credit report says disputed but is still unresolved and it 's been like 3 months and still on my report. I would like some help resolving this issue please I am always grateful when someone offers to help sincerely XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX XXXX, a United States Citizens, XXXX born, and I purchased a piece of real estate in XXXX, Florida on or about XXXX that is located at XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. The Subject Property is zoned Commercial and I spent over {$300000.00} in constructions, that including enlargement of the structure, the facade, the parking lot, the roof, counter top, a new kitchen to make it a XXXX. 
Upon completion, after exhausting all my personal financing, I still needed to buy equipment, such as stove, ovens, furniture, walk-in freezers etc. I offered the Property as collateral to Ocwen Mortgage Servicing who also did a wrap-around with my Personal Residence and offered me sub-prime financing in the amount of {$200000.00} on or about XXXX. 
The Market crashed and the XXXX did not performed sufficiently to pay the Mortgage. 
XXXX XXXX XXXX, the Investing Bank foreclosed on XXXX XXXX, XXXX and XXXX also an Investor for Ocwen Mortgage Servicing, purchased the Property on XXXX XXXX. 
THE PROPERTY WAS SEIZED AND SEALED- OFF ON XXXX XXXX TO PREVENT MY ACCESS AND I COULD NOT RETRIEVE PERSONAL, AND BUSINESS DOCUMENTATIONS. 
We provided buyers to Ocwen Mortgage Servicing to cure the Mortgage, and successfully negotiated the removal of my Primary Residence from the wrap-around so that I could sell it and cure the default. I paid Ocwen Mortgage Servicing a sum of over {$100000.00} and the property was sold by XXXX for {$170000.00} on XXXX XXXX to XXXX XXXX. 
Now comes Ocwen Mortgage Servicing and provided the Internal Revenue Service with a XXXX for {$200000.00} as a discharged debt in which the Internal Revenue Service is demanding a whopping {$62000.00} that includes {$52000.00} of earned income as a result of the discharge plus interest and penalties. 
I have on numerous occasions requested an historical profile of my payments, but to date Ocwen Loan Servicing have steadfastly refused. NO ONE OF THE PARTIES INVOLVED WILL PROVIDE ME WITH THE FILES I LEFT IN THE STORE SO THAT I CAN PROVE MY CASE WITH THE IRS!

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX, I called to payoff my chase credit card and was given a total by supervisor at Chase. Supervisor said you will not be charge interest anymore after this I am making sure all is included in the payoff. on XX/XX/XXXX I get charge of XXXX dollars on a {$11000.00} balance. in a summary on XX/XX/XXXX, she charged all interst at that point no interest should have been billed after that since the balance is XXXX. I called back onXX/XX/XXXX and another supervisor will not make the adjustment and insist that she did not charged me enough that is the reason I need to pay. All I am asking for interst to be credit to my account. I overpaid my account because I made a payment on XX/XX/XXXX of XXXX and then paid off on XX/XX/XXXX. that is why they are trying to take my money. I need my money back. thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXXI had a dispute with XXXX XXXX XXXX XXXX about a fraudulent credit card some unknown person obtained in my name. After establishing that this was a fraudulent account eventually XXXX XXXX XXXX removed it from my credit report. 
However, maliciously in bad faith after I advised them that due to their derogatory statement on my credit I was turned down for credit, instead of canceling such fraudulent account, XXXX IN XX/XX/XXXXsold it to PORTFOLIO RECOVERY ASSOCIATES whom started to show this as a new debt and new default with new collection account for {$1300.00} as of XX/XX/XXXX. 
I have repeatedly advised PORTFOLIO RECOVERY ASSOCIATES that it is improper and illegal to state this to be a new derogatory default as of XX/XX/XXXX and it causing me a serious problem of turning down for essential items to be purchased, PORTFOLIO RECOVERY refused to remove this illegally and in bad faith showing derogatory item from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We have a VA Guaranteed Mortgage loan with USAA since XXXX XXXX. 
let me number the problems we had and still have with them : # We told USAA is the lender and servicer for loan. But every time we have to call USAA, they made us deal with 3th.parties ( their servicer ) # XXXX We got a call from USAA in order to refinance our mortgage for lover interest rate. We told it will reduce monthly payment. And no out of pocket expenses from us. We agreed so. At the end of process, we have to wrote a check for {$80.00}. 
# We told " Mortgage insurance will finance with new loan ''. So we call them to make sure before we spend the refund mortgage insurance from old loan at XXXX time. Representative from USAA told us " Mortgage Insurance already build in to new loan ''. We spended the refund at XXXX time. Month later USAA turn around and ask us to make {$1500.00} Mortgage insurance payment. When we contacted them, USAA told us " There was a mistake or misunderstanding, We are sorry but You have to make the payment. 
My question was " since when we start paying for banks mistakes? '' # last and current one is ; We got online and schedule first payment of new loan for the date We receive my pension. Which is XXXX of each month last 6 years for old loan and this loan. We schedule as it is for XXXX of every month. Servicer of USAA try to take funds before the first ( as it schedule ) and payment decline. They are asking me to pay $ XXXX-Bad Check Fee-. We made all our payments on XXXX of each month and there is no reason for available fun before then to make payment. Why we would try to make such thing as they claim. 
Mistake of Usaa {$80.00} and {$20.00}, we would like it to refund and it is not fair to pay for {$1500.00} baking mistake and We have to pay for it. USAA did not build it in the loan, we told. And Usaa should pay for their own mistake, not us.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2018 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: This complaint is in regards to a {$150000.00} ( excluding fees and interest charges, attorney fees, etc. ) loan modification that I NEVER signed for. Wells Fargo Bank tacked on this modification to the back of the original mortgage note of {$350000.00} on XX/XX/XXXX. I was on the original mortgage with my then husband but divorced in XX/XX/XXXX. Leaving my ex-husband solely responsible for any additional debt obligations he accrued after the divorce including the modification. I was interested in purchasing a home I was renting in XX/XX/XXXX when the broker called to inform me that he pulled a credit report which stated I modified my home. I immediately called Wells Fargo bank modification specialist at ( XXXX ) XXXX extension XXXX. The customer service representative stated to me that my authorization ( signature nor verbal ) was not needed for a mortgage modification even if I was divorced. When my ex-husband passed away in XX/XX/XXXX, I had a chance to go through all his paperwork which confirmed that I did not sign. I contacted a friend 's lawyer who contacted Well Fargo while I was in the office and Wells Fargo bank verified that my signature was not on the paperwork. In essence, I take full responsibility for the original mortgage but not the additional ( {$150000.00} loan modification ) attached. Wells Fargo attached the modification to the back of the original loan.

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 07-11-2015 about Credit card () with CITIBANK, N.A. (AR).
Issue: Advertising and marketing

Complaint: I have a Citibank Credit card that offers a price rewind guarantee in which if you purchase a product with the credit card and register it on their website it will track the product to see if there is a lower price. A lower price was found on XXXX of my items and I received a notification email to click this link to request the refund, however when you click on the link there is nowhere to request the refund. I have called multiple times and both times the citibank call agent said they would email me the form to fill out to complete the request within XXXX hours and i still have not received the notification. 

There are XXXX items, XXXX is a TV I purchased and was notified of a {$150.00} refund available and next was a gaming console in which i was notified of a {$49.00} refund available. This price rewind service appears to be a fraud as there is no way to collect the stated refund on the purchase price.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company advanced delinquent taxes and raised my fixed rate mortgage without properly notifying me. I have not lived in the property for 5 years and did not receive correspondence to my current address nor was certified mail sent nor a simple phone call. They accepted and cashed my regular monthly payment but held funds in suspense essentially holding the funds then reporting me delinquent. I have brought the loan to a current status however the lender will not correct the derogatory credit reporting.

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 02/21/2017 about Credit reporting () with JPMORGAN CHASE & CO. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I requested a copy of my credit reports from XXXX in XX/XX/XXXX ( incl ). I noticed that all 3 bureaus reported my Chase card account differently. I wrote to Chase requesting that they look into it. In XX/XX/XXXX XXXX from Chase wrote me back ( incl ) that the reporting was investigated and it was found to be accurate. I knew that this could not be correct because there were 3 different sets of information. I called Chase and they told me they would not update anything and that I had to dispute through the credit bureau. I did so through XXXX, and lo-and-behold, Chase updated some of the information ( chargeoff date and Status ). I got another copy of my XXXX report in XX/XX/XXXX ( incl ) - under Status, it still says " {$4400.00} written off. '' Yet I have a letter from Chase and a 1099-C ( incl ) showing that {$2600.00} was written off. If you were to look at my report, based on the High Balance and that Status, it makes it seem as though I never paid 1 dollar to settle. My complaints are : 1 ) that Chase is really giving me the run-around and did not REALLY investigate when I asked them to in XX/XX/XXXX and XX/XX/XXXX, and generally refusing to cooperate. 2 ) That they are continuing to report inaccurate information after my credit bureau dispute. 3 ) That they are knowingly reporting the false info, considering the documentation I am providing CFPB comes directly from Chase. I suppose XXXX and the other bureaus should be required to remove this account since I am sending you the 1099C/letter and my report to show that it is being reported inaccurately, but my main complaint is with Chase for being so intentionally difficult and refusing to correct the information. Both the credit bureaus and Chase keep referring me back and forth to each other for a resolution. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Federal student loan debt) with NELNET, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To whom it may concern I sent in a debt validation letter on XX/XX/18 to both XXXX  and XXXX  and they are still reporting these items of Dept of education/Nelnet which doesn't belong to me at all..This is affecting my credit score terribly. I plan to purchase a home this year and I will never be a homeowner at this point with inaccurate information on my credit reports..According to the FCRA rules, FCRA 823 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. I am submitting this complaint due to the lack of investigation and my original dispute of inaccurate information that does not belong to me. I did not sign for anything, This is unfair practices by a credit reporting agency with no concern for the creditworthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was checking my credit report when a company called  XXXX   XXXX   XXXX   XXXX   XXXX  PA showed up as a derogatory remark on my report. I contacted all  XXXX  credit bureaus to try to get information on what this account was and they told me to contact them. I did and they informed me it was from a previous visit from their hospital. I informed them I am not sure who they were and what the charges were in regards to and if they could submit information or proof, such as a form I signed or anything and nothing was sent. I contacted my credit bureaus to dispute the services and charges due to I never signed anything with this company and they removed themselves from my   XXXX   report but stayed on my  XXXX  and   XXXX  . I went through the dispute process again and asked to submit documentation of what i signed wi th ARS  showing I owed them and still nothing has been sent to me. This has been ongoing since  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 01/15/2016 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have a heloc mortgage serviced by Real Time Resolutions and i prefer to make my payments online.But since this loan was discharged in my bankruptcy they will not allow me to pay my payments on their website.SO each month i call them and have to pay a XXXX $ fee to use XXXX to make my payment on the phone.Recently XXXX made a settlement where they are returning these types of payment fees to their customers.My question is why is Real Time allowed to charge this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Student loan (Federal student loan servicing) with MOHELA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: MOHLEA customer service told me to contact a company to have them enroll me in public sector student loan forgiveness program. They referred me to a company called XXXX XXXX XXXX which charged me over {$700.00} an d did not change anything but put me on a income based payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Debt collection (I do not know) with REGIONAL MANAGEMENT CORPORATION (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is an account show closed on my credit reported with a balance I do n't have any idea where the balance come from and now I received calls from collection agency asking me to paid this debt. I do know this company and either the amount due.

Company response to consumer: Closed with explanation