milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2016 about Debt collection (I do not know) with CASHCALL, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I work as a XXXX. I disclosed to 'cash call ' that the phone number being called was a XXXX phone number. I confirmed the person they are calling for does work for this department. I am aware other XXXX have made similar requests. I requested XXXX ' delete the number from the system as it was being made illegally. 

XXXX was XXXX that 'the call was illegal '. I called back and followed up with XXXX 's supervisor, " XXXX XXXX '' whom informed me she would listen to the phone call and talk to XXXX '. I requested no more phone calls be made to the number listed as it is a XXXX number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I applied for a reduced payment plan two months ago and my servicer is yet to acknowledge it in writing. Whenever I call in they say the payment will be changed, but nothing ever happens.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (VA mortgage) with LoanCare, LLC (IN).
Issue: Trouble during payment process

Complaint: XXXX/XXXX/2017 -- I tried making my payment of {$610.00} and found out that they had a new process of adding fees to payments such as One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} My payment with my previous lender was on the XXXX of the month because I am on social security and only get paid the XXXX  Wednesday of the month. When the mortgage was sold to this lender my first payment was last month and I paid {$610.00} on XXXX/XXXX/2017 without penalty and I also talked to representative at that time and he stated that I had 15 days to pay without penalty. They are not calling this a late fee but it really is. They changed my payment date and are charging for being late -- I believe as a XXXX Veteran on Social Security they are scamming me. The name of the company is Loancare in XXXX XXXX, VA XXXX -- watch out for these crooks.
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Indiana 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 08/23/2017 about Debt collection (Payday loan debt) with JH Portfolio Debt Equities, LLC (ND).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had pay day loans with a place called XXXX XXXX. When I lost my job I could no longer pay what was due and I explained this to them. They at the time said they would make it a charge off. Which it did appear as a charge off. A few months later they sold the debt to XXXX XXXX ( a bottom feeding collection agency ) and they have harassed us for going on 2 years about this by calling several times a day despite us asking for communication in writing only and they continue to report this to the credit monitoring companies so it appears every month or so on our reports to knock them even lower. 

We debt was paid and we do not owe it. We took XXXX XXXX to court several times and had this dismissed. At one point we even had a lawyer sue them for making false threats of imprisonment, arrest and warrants against us and we were awarded {$1000.00} for the harassment. 

We just want this place to stop bothering us and let us clear our credit up without having them constantly hounding us and putting things on our credit report.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it May concern : Verifying my report with the Experian agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXy # XXXX, XXXX XXXX # XXXX. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R 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 non-monetary relief
Consumer complaint received 09-12-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CT).
Issue: Using a debit or ATM card

Complaint: I 've been attempting to file a debit card dispute today, XX/XX/XXXX, with Paypal for a transaction on XX/XX/XXXX to XXXX of XXXX for XXXX. However, despite numerous calls to several different numbers to Paypal, quoted a hold time of well over a hour, I have been unable to place transaction in dispute. Ive even requested to be transferred to a U.S. based rep, either told call can not be transferred or put on hold with no answer, was on hold for well over half hour.. Later told hold time ( s ) are over one hour on several additional call backs ... This transaction can not be placed in dispute via their site as it is a debit card transaction or else I would have done so. Please advise Paypal I will not be making any further calls as I have wasted several hours on calls to numerous different numbers, even several to their corporate office line. The transaction is a deposit in the amount of XXXX for a special ordered vehicle, the bank was unable to approve full financing of vehicle and refund of deposit appears to have been refused by merchant. I emailed my sales rep and have not heard back in re as of yet. I wanted to place a dispute but again, have been unable to due to extremely poor service mentioned above. As a resolution I might suggest simply crediting the account the XXXX and or placing the dispute with information provided above as again, I will NOT make any additional calls in about this as Ive made good faith attempts and gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Have written in to Experian and XXXX  concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX card, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX , XXXX , and 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 non-monetary relief
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX I reported to Transunion and experian ... Beginning XX/XX/XXXX, public record data collected for credit report reporting purpose including bankruptcies, civil judgement and tax lien must have common minimum 1 ) Name 2 ) Address, social security and / or date of birth. Minimum frequency of courthouse visit to obtain newly filed and updates public records of at least every 90 days. These credit reporting companies fail to removed inaugurated information on my credit report.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax took insufficient steps to properly secure sensitive financial data. My data and 143 million of my fellow americans data have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I had a chase credit card Account that has been closed for years. I still am making payments but because of the fees and interest this account is still not paid off, they call repeatedly when my payment is late and are unwilling to work with me on payment arrangements. In the past 5 years I have had XXXX, had a XXXX XXXX XXXX, issues with medical problems sustained during my service in the XXXX, XXXX of a XXXX XXXX, and now XXXX which have affected my ability to work and have resulted in me having to take leave without pay. I just want to settle this account so I do n't have to deal with this companies harassment. I must have paid thousands of dollars in fees and interest and it is causing great strain on me and affecting my credit report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Company inquired about my credit without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with Clarity Services (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company called Clarity has obtained my social security number and submitted repeated inquries that are showing up on my XXXX report and making it hard for me to open a bank account. I have never given this company permission to do anything. I want all inquiries from this company removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The following information either XXXX  or Ally are reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Ally account XXXX was PAID, CLOSED, and OK. 

2. Suddenly, on XX/XX/XXXX either XXXX or Ally is showing the same Ally account XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. This absolutely false. I leased the vehicle from XX/XX/XXXX to XX/XX/XXXX. 

4. My Chapter XXXX Bankruptcy was filed on XX/XX/XXXX, so how can this account even mention Chapter XXXX Bankruptcy? 
.

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 08/16/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America purchased my loan from Countrywide. The loan statements at that time and since then have been extremely inaccurate with over XXXX " Misc '' postings XXXX in excess of {$100000.00}. I have requested an explanation and corrected loan statement many times without one being furnished. Bank of America latest loan servicer - XXXX XXXX XXXX now say that the information is not available. Bank of America is still using the amounts that they can not substantiate as the amount due on the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a " Home Equity '' line of credit with Bank of America ( BofA ). THE ACCOUNT # IS : XXXX. 
I am XXXX years old and I 'm retiring. In order to reduce my monthly payments on this account, I went in person to BofA in downtown XXXX XXXX, CA and asked if I paid down my loan amount from about {$220000.00} to about {$120000.00} ( a payment of {$100000.00} ) would that reduce my monthly payment? I was told " yes '' and my new monthly payment would be about {$1000.00} a month instead of my usual monthly payment of about {$2300.00} per month. This is a big monthly reduction of my monthly payments since I 'm retiring. This transaction took place in XXXX, 2015. Now BofA will not reduce my monthly payment after I paid down this account by {$100000.00} in XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (I do not know) with Nations Recovery Center (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received collection letter dated XX/XX/2017 from Nations Recovery Center Inc about a debt for XXXX for {$14000.00} last four digits on letter are XXXX. I do n't owe any money to XXXX I do n't know what this account is about it just popped up in my mailbox out of the blue. I did not apply to any accounts with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Regaurding my XXXX account XXXX XXXX XXXX XXXX for a XXXX account, it shows the account late last XXXX. I have had numerous calls with chase and they agree this is at their fault and have agreed to remove the late stature for XXXX. Please reflect this and the jointly agreed upon decison

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (I do not know) with GC Services Limited Partnership (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A representative of G C Services contacted me, on my cell while I was at work, and stated that I was listed a reference and asked for the contact information for another person. I asked what it is was in reference to and she said she could not tell me. I then asked the name of the company, which she gave, and asked what type of company it was. She said that she could n't tell me. I then asked for their company 's web address and she provided me with an incorrect website. When I told her that was n't the correct website she provide me with a different website. At first I offered to pass along their number to my friend, but then told her that I would not pass along the message because she could n't tell me what I was listed as a reference on. She told me she could n't tell me or even what type of a company they were, but that I could look it up. I did exactly that out found out that they are a collection agency. I told her that she was using very deceptive calling practices when she implied that she was calling about a reference. I told her that they were a collection agency and that I was not authorized to give out any personal or work information. She then asked if I could pass her number along and ask my friend to contact her, which I again refused. I asked her to remove me from her calling list and to not contact me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: We started a home refinance through Chase in XXXX 2016. Our file and emails and messages were grossly neglected throughout our application, sometimes taking weeks for them to get back to our multiple messages. They kept wanting to change the terms towards the end. 5 months after starting our application, after multiple complaints that finally reached the most senior banker we could reach, we were given a guarantee in an email by that senior banker that they will honor the deal they had promised from the beginning. This email did not have any disclaimer or any conditions to the guarantee we were given, since I am a professional with a fairly straightforward case. In the end, we received our final closing disclaimer last week before closing of the loan which was much different than what we were promised. After sending en email to everyone we had been in contact complaining about this, we were again ignored, like multiple times throughout our application. Our closing was supposed to be today, and nobody has even gotten back to us regarding this. Everything has been approved by the underwriters without any further conditions. We have provided everything they have asked from us within 1 business day and we keep encountering gross negligence in return.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (FHA mortgage) with E MORTGAGE MANAGEMENT, LLC (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I WAS TOLD BY XXXX XXXX THAT I WOULD N'T BE CHARGED FROM MY CREDIT CARD UNTIL I SIGNED AN APPROVAL. WELL OF COURSE AS SOON AS I GAVE HIM MY CREDIT CARD, I WAS CHARGED THE NEXT BUSINESS DAY. I HAD A HOME APPRAISAL DONE, I WAS TOLD BY MY AGENT THAT I NEEDED {$150000.00} APPRAISAL TO GET THIS DONE. MY LAST XXXX APPRAISALS WERE AS FOLLOW ; XXXX {$170000.00} XXXX {$170000.00} XXXX {$160000.00}. WERE IN A SELLERS MARKET, THE BEST ITS BEEN IN XXXX YRS. AND I GET LOW BALLED BY {$54000.00}? AND THIS IS AFTER I HAD MY WHOLE BATHROOM DONE, A NEW ROOF, ETC. THEY TOOK MY MONEY AND THEY KNEW I WAS NEVER GETTING A LOAN.THEY HAVE THE MAIN OFFICE IN XXXX XXXX NJ XXXX AND AN OFFICE IN XXXX NJ, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I was terminated from my XXXX job & due to the loss/decrease of income, I applied for a modification. Prior to, I had NEVER been late or missed a payment on my mortgage. Nationstar mortgage declined the modification 3 times & sent me a letter that they were foreclosing on my home. The letter stated the sale date was XXXX/XXXX/XXXX. I went to XXXX for assistance, and was told they did not understand why the modification was denied. After XXXX re-applied for the modification for me and it was denied a 4th time, I had no other choice but to file Chapter XXXX on XXXX XXXX, XXXX ( due to XXXX holidays ). However, on XXXX XXXX, XXXX I received a call from Nationstar. The customer service rep stated XXXX XXXX XXXX ( the person that was handling my modification ) no longer worked in that department, but my modification had finally been approved. I explained that I had Just left the attorney 's office to file bankruptcy, to stop the foreclosure and I would need to contact my attorney to see what to do. XXXX XXXX ( my attorney ) advised me to get something in writing, or by email, to verify the modification had been approved, before he cancelled the bankruptcy proceedings. Nationstar refused to give me anything. In XXXX XXXX, they sent me paperwork to complete a 3 month trial period, before the modification would be finalized & approved. I paid all 3 months, completed the " finalized '' modification paperwork & have paid ON TIME every month since XXXX XXXX. My attorney has informed me that once I receive finalized paperwork for the modification, I can convert to Chapter XXXX, or have my bankruptcy dismissed ( since the foreclosure was the reason I filed ). To date, I STILL HAVE NOT received a finalized modification! Every month I call to pay my mortgage and I inquire on the paperwork. Each time I am told it has to go for " booking '' and once this is done, they will send it to me. I do not understand why it has taken over a year and 6 months, and I STILL have not received these papers?!

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I received an e-mail from XXXX, the servicer, on XXXX/XXXX/XXXX. I logged into my account to read the message and observed that the site listed my current payment as past due. I contacted XXXX chat support the same day and inquired as to why my payment did not post on time. I explained that I have been subscribed for automatic debits for well over a year and I have not made any changes to my accounts. 

The representative, XXXX, explained that it was not my fault or their fault. He explained that " Your due date was on the weekend, and payments are only process on business days ( Monday-Friday ). It takes 2-3 full business days to process auto debit payments. Your payment will be effective on XXXX/XXXX/XXXX, and should be visible on your account by XXXX/XXXX/XXXX. No late fees, or negative credit reporting will occur because of this issue. '' I inquired as to whether the company would continue to list this as a past due payment on my account. The representative said " Your payment will appear to be 3 days late, but that will not be reported to your credit, and is a non-issue once the payment is processed. '' Unfortunately, the claim that this is a non-issue is false. Records of my payment history can be required for future financial applications. Potential loan refinance offers may be contingent on perfect on-time payment history. There are other circumstances where it is plausible that this " late payment '' can cause me harm. Yet, the company claims there is no mechanism to reverse the status on my account to reflect their responsibility for this situation. The representative explained that, if I wish to prevent this in the future, I need to end my auto debit plan and make manual payments. 

I contend that, if this company offers an auto debit service through their site, they have a legal responsibility to conduct their debits in a way that does not occasionally but permanently tarnish my payment history.

Company response to consumer: Closed with explanation