milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Consumer Loan (Installment loan) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Problems when you are unable to pay

Complaint: Portfolio Recovery services, reports in accurate reporting dates and amounts. The date of the initial collection was XX/XX/XXXX-XX/XX/XXXX and is around {$200.00} dollars. I paid several times on the account and it has an inflated rate of almost {$360.00} dollars and an opened date of XX/XX/XXXX. This account is 7 years old or pretty dang close. The account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Medical) with State Collection Service, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I saw a doctor on XXXX XXXX, 2016. I was never billed, nor did I owe any sum. The doctor had my correct billing address. State Collection Services sent a collection letter to my father 's address for {$25.00}. I received recorded phone messages, even when I actually answered the phone, making me believe this agency was phishing and it was a scam. I confirmed twice with the provider that that fee was already settled, that I owed nothing. State Collection services told me, falsely, today, that the provider would not know if the fee was still owed because their account would be closed. On a previous call, they told me they would contact the provider. They did not do so. The provider confirmed today that they never work with State Collection Services and that this likely a scam. State Collection gave their phone as XXXX. Their mailing address is XXXX XXXX, XXXX, WI, XXXX, their physical address is XXXX XXXX XXXX XXXX, XXXX, WI, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied for a credit card ( XXXX XXXX ) and they denied me because my credit was unavailable from the XXXX scores. I checked my credit score on XXXX XXXX and it also said my scores where unavailable, so I 'm just wondering what is going on?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Mortgage (FHA mortgage) with VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA).
Issue: Trouble during payment process

Complaint: Dear CFPB, My fixed 30 year mortgage with VHDA when up from approximately {$2300.00} to approximately {$2400.00}. VHDA and XXXX XXXX reported to me that my mortgage was a 30yr fixed mortgage when I bought my new townhouse. Now I have been told by VHDA that my HUD insurance when up. VHDA told me to call HUD for further explanation. I called HUD FHA Resource Center and they referred me to CFPB to file a complaint to VHDA. I hope you can investigate my case ( FHA Case Number XXXX ) at your earliest convenience. I appreciate your assistance. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX/2016 was the last activity with original creditor. My vehicle was turned in and set to be auction off. I had the car for almost 2yrs paying XXXX. When I was injured at work and was off with lil income coming in I fell behind. They came and got the vehicle and told me they was auctioning it off to be sold. I have asked for documentations on what was the balance before it was turned in, what was it sold for and has received nothing but calls and letters from Ally and a law firm protaining this matter

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 10-06-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: When speaking to my Chase rep who is supposed to be helping me submit a modification option with paperwork she told my wife and I to not pay anymore on the mortgage or send in any payments because Chase will not accept it. She said that it could take up to 45 days to get our modification reviewed and approved. She told us to just save our money and save as much as we can. In late fees we were behind by an amount we could pay right then but because it was not including the attorney fees for Chase she said it was closer XXXX. This just does not sound like it is right and I have never heard of not trying to pay when you have something to pay towards your debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (LA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Transworld Systems, Incorporated contacted this consumer, XXXX XXXX XXXX, on our about XXXX XXXX, 2017, in an attempt to collect an alleged debt. The communication was received without the prior consent given directly to the debt collector as defined in 15 USC 1692 c.
On the communication is the consumer 's name and an account number. Within consumer law, as defined in 15 USC 1693a ( 2 ), an account means an asset. For apparent purposes of misrepresentation, the debt collector - as clearly stated on the communication - is holding an account belonging to a consumer. This is misrepresentation ( 15 USC 1692 e ) as a financial institution is defined in 15 USC 1693a ( 9 ) as any other person who, directly, or indirectly holds an account belonging to a consumer. Threats to the reputation are also stated in the communication per 15 USC 1692d 1. Assets are being held for the consumer while attempting to collect an alleged debt from the consumer. XXXX XXXX XXXX, consumer ( 15 USC 1692a ( 3 ) ), is seeking actual damages in the amount of {$25000.00} USD pursuant to 15 USC 1692 k A 1.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (TN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XX/XX/XXXX Attorney XXXX XXXX help to take my home of eighteen years. 

He did not do any research to learn of the history of my loan. I paid off the loan I had with XXXX XXXX XX/XX/XXXX. The Deed of Trust was documented in XXXX County register office FZ page 4716. XXXX was paid in full by XXXX XXXX XXXX {$11000.00}. 

XXXX XXXX XXXX transferred my loan internally in XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. I 've been told by them the bank was restructered, yet I was n't notified. In XX/XX/XXXX the loan was transferred to XXXX XXXX XXXX located in Texas. 

I was n't notified, it does n't appear as though US Bank Home Mortgage was notified. Three different Federal Identification numbers was used, with the same loan number to report my XXXX-mtg interest statements to IRS. 

I just learned of this XXXX XXXX. I just recently received payment history for XXXX XXXX XXXX XXXX  from XX/XX/XXXX. 

I was under wage earner when these transfers was done. Government records have been tampered with using my personal information. 

I recently pulled my credit report to learn that someone added a address for Michigan to my credit report. As I 've mentioned my credit report have been manipulated. 

The FBI told me to pull my tax transcripts to learn that XXXX was reported to IRS in XX/XX/XXXX. They was a sub-servicer for XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX Loans did transactions on behalf of XXXX XXXX XXXX XXXX a division of XXXX XXXX XXXX/ their corporate office located in XXXX Texas . XXXX XXXX XXXX Loans was n't on my credit report when I filed bankruptcy in XXXX. 

This is/was a Breach of Contract. As I 've mentioned, I now have a copy of payment history from XXXX XXXX XXXX XXXX. I did n't make payments to XXXX XXXX XXXX XXXX, because I just recently learned of them/ XX/XX/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 12-12-2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Balance transfer

Complaint: Wells Fargo decided to terminate the banking relationship with me. 
At the same time I was charged {$400.00} interest fee for a balance transfer of $ XXXX I never initiated. I called wells fargo XXXX times and each time they transfer me in circle between XXXX departments. Customer support transfers me to the fraud department, the fraud department transfers me to the loss prevention, and loss prevention back to the customer support. I was on the phone a full week and no one knows what they are doing

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 monetary relief
Consumer complaint received 11-04-2016 about Credit reporting () with ID Analytics, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Sagestream LLC is reporting negative credit information, I want info removed and them removed from reporting, thank you XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have attempted to retrieve my free annual credit report from all three credit bureaus, but the website is not allowing to access or even submit the information online to access my report. I need to be able to obtain my credit reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Convergent Outsourcing, Inc. sent a demand letter to my client alleging that she owed {$970.00} to XXXX. She does not have, and has never had, an account with XXXX. The fraudulent demand offers to settle for 50 % if she pays within 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Company posted a 30 day late on a card that was used with out knowledge, never received any bill, company admitted the mistake in address on the phone changed the address and now is saying they made no mistake. They also took longer than 6 months to get back to me and now every complaint is met with a phone call saying they will look into and get back to me .... the last one was months ago. I still havent heard back from them. Company made a mistake but seems to be ok with putting it off as if I will let them get away with it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have tried and tried to get this debt taken care of. This collection account is for a workers comp claim. I have contacted GLA collections and Underwriters both and they will not help me. I want this collection REMOVED from my credit report. Underwriters said they would pay the account and GLA collections REFUSES TO SEND INFO TO UNDERWRITERS!! I am stuck in the middle with this collection on my credit report and it wo n't be removed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Contacted Phoenix Financial via telephone stating that the account XXXX XXXX XXXX for the amount in {$1100.00} does not belong to me. It belongs to my mother in law who shares the same name. I have spoken to the original collector XXXX XXXX XXXX XXXX and they verified that the debt does not belong to me that the social does not match the account sent to Phoenix Financial. Phoenix Financial has been no help they simply told me to file a police report. Phoenix Financial is now claiming that they are the original collectors when they are not. This account is being report to the credit bureaus and is negatively affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (VA mortgage) with BB&T CORPORATION (NC).
Issue: Application, originator, mortgage broker

Complaint: I am very devastated for all the excuses BB & T Mortgage has gave me in order to denied my loan. I have tried to work directly with them but they keep prolonging my loan and making me fall more behind. I been forced to re-apply every time, I am an elderly man and this is causing my health to decrease and I have even start working a second job to proof BB & T Mortgage that my intentions are to keep my house. BB & T Mortgage needs to review my loan under the correct income, I am sure they keep doing this to me because I am an elderly and they think I do not know my right but I do and I am fighting to stay in my house. Therefore I wont stop until I safe my house this is the only thing I have left, and I do not want to end homeless. Please have some compassion and review my loan fairly. I am a VA and have serve my country this injustice needs to stop.

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 09/23/2017 about Mortgage (FHA mortgage) with FIRST HOME MORTGAGE CORPORATION (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: When I applied for my mortgage I switched lenders to one that I found online listed under the program I was trying to receive. The Program was XXXX XXXX XXXX In Maryland and the lender it gave me was first home mortgage and my point of contact was XXXX XXXX. I sent her all my information for pre qualification I received my letter and started the process. Everything needed to be handled in a rapid manner in order to qualify for the program. The lender took so much time in processing the paper work I almost lost the house which the location alone fit the safety needs of my family and affordability for me financially. 
Finally when the closing date came up the lender underwriter tells me that he was n't going to count all of my income towards my income even though I had direct documentation of my income. I was in a program that was more secure then his job, and yet he made a personal decision to disqualify just enough of my income to raise my dpi and unqualified me for the program. As I reached out to that company of course they would n't let me speak to the underwriter. 
The deadline for the submitting the papers to the program than came and went. I asked about switching to another lender but because they dragged there feet unnecessarily. So then it got to the point where I would ether come up with another XXXX dollars to close and raise the amount of my mortgage and monthly payments. XXXX dollars I lost because of someone inaccurately making a decision that was wrong. 
I was in an emergency situation living in a pest infested house on a section XXXX program and I finally got myself in a position to move my life forward and my first step into the real world I get robbed by the lender I choose. 
I went with this program because they seemed to be the experts in the program I was using, instead I feel like I was robbed as a result. 
My income at the time of the loan being processed in my income before the loan was being processed still qualified. Thats why I made it through pre qualification and thats why they did n't deny the amount of the loan because it fit in my budget. 
I do n't know if this was redlining or what personal issue with unions that this underwriter had, but there was no reason to deny me my program. The very definition they gave me on income and hourly workers defined my income within the means.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with V and H Portfolio (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have several issues with my credit report as follows : 1. They show a former address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have never lived at this address. My former spouse moved to this address beginning sometime around XX/XX/XXXX during our divorce which was finalized in XX/XX/XXXX in XXXX XXXX, TX. 
2. Derogatory information is shown on my report by XXXX XXXX XXXX which was a joint account when I was married. The account went to my former spouse during our divorce. That account was included by my attorney when I filed for Chapter XXXX, even though no balance was outstanding against me since it still showed on my credit report and my former spouse has a habit of not paying her bills on time. It would seem that any information related to it should be removed from my record since I owed them nothing at the time and I was removed from the account in XX/XX/XXXX/XX/XX/XXXX. 
3. I have been employed by The XXXX XXXX XXXX XXXX, MD since XX/XX/XXXX with a substantial gross salary as a XXXX XXXX XXXX. 
4. I do n't know if this is relevant, but I also have an IRA and a brokerage investment account with XXXX containing substantial assets plus a 401k through The XXXX XXXX, all containing substantial assets.

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 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Please find enclosed printed account records to support the following problem with my accounts. On XXXX XXXX, 2017 I  made a mobile/Internet Banking transfer of {$1000.00} USD from my HSBC Premier Checking account # xx-xxxxxxx to my HSBC Premier XXXX account # XXXX, Transaction Reference # XXXX. As the records indicate the amount was debited from the Checking account but was not received in the XXXX account. This has affected the balance as now incorrect and caused more interest to be charged than should have been. 
Would you please look into this matter at your earliest possible opportunity and post the corrected amount to my XXXX account and adjust the interest payment. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: my husband has a student loan that in  XXXX  different agencies, still default but  XXXX  of them told us to do a rehab program for 9 months just {$5.00} a month ( this is only we could affo rd )  so it will be out of default once this rehab is over. But they told us to call the another agency to do the same with them, the problem is their program right now that is available to us is {$100.00} a month for rehab. I spoke with the dept. of education few wks ago and they said it should be all the same if that only we could a fford (  {$5.00} a month ). Right now this other agency that 's collecting {$5.00} from us still garnishing my husband wages until 5 months of rehab is done, we can not do {$100.00} for this another agency, it is too much for us family, we are really struggling with money. thank you

Company response to consumer: Closed with explanation