milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: I received a loan from Northcash and was not disclosed the interest rate, only the finance charge on the phone. This was a minimal amount. My signature was forged through electronic email. I asked repeatedly to pay the loan in full, which continued to increase. I researched the company and found out this is a payday loan, which in the state of NJ is illegal, however this company claims to be a Native tribe on Sovereign land, which if the consumer does not agree to the terms or to continue the loan, it must be cancelled. Once the information was received, my identity was compromised which resulted in numerous bank fees and credit holds and issues.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This company has gone from XXXX, to XXXX, and now to XXXX. XXXX, XXXX, and the South Carolina Department of Consumer affairs ( Case number XXXX ) agree the debt has been satisfied. I have notified this company that they need to seek recourse with the employees of XXXX XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bonneville Billing and Collections (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Bonneville Collections continues to collect on an XXXX account that has been reported as fraud. Bonneville Collections continues to verify their account on my XXXX report. It needs to be removed from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I borrowed from sallie mae XXXX times XXXX in XXXX and another in XXXX and XXXX totaling XXXX. I was taking classes to become a XXXX but because of my ongoing health issues it was difficult for me to stay in school consistently, having XXXX XXXX and taking XXXX XXXX medications throughout this time I have still not completed school but have become XXXX but only making enough income to survive. Refusing to get onto social security income, my income is still limited. I am a mother and take care of my child with my income. This debt is XXXX years old but still remains on my credit report and although I borrowed XXXX total, it shows as XXXX on my credit report. XXXX XXXX is not the one calling and harassing me but another company, they have threatened jail time as well as putting a lien on my property, but I have no property so I am not sure if they are talking about my car which I am assuming they are. I have sat on the phone with them with tears in my eyes trying to explain that I have no way to pay, they then state that I am refusing to pay and, what kind of person gets a loan with no intention to pay. I did intend to pay this debt back, I thought that I would be healthy enough to finish school and have a financial stress free life, well I am not financial well off but I am still a happy person that is until I have negative people calling me at times that I asked them not to call and disrupting my business while accusing me of being a low life. I did not even know that they could do that. I would never recommend sallie mae to anyone based solely on the fact that they sell there debts to the worse people ever. They will not stop calling me. and are very evil people. I have learned to try and avoid them but they call over and over if I dont answer the phone and willl even call from blocked numbers if I dont answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We entered into a loan modification with Bank of America. A bilateral agreement. B of A told us if we pass a 3 month trial period as agreed upon, we would get a loan modification. After successfully passing the 3 month trial period and proceeded to asked for the status of the loan modification the following month, B of A said the papers were being processed in New York and to continue making the new agreed upon payments. Nine months later B of A breached our lawful contract and denied the loan modification on some vague excuse that we made too much to qualify. In addition, B of A demanded that all the fees of the original loan including late charges be bought up to date and soon after proceeded with foreclosure. B of A filed felony documents in support of the foreclosure in the county hall of records. We filed a complaint with the Superior Court. The trial Judge dismissed the felony as a mere technicality. The actual words the Bank used was that " this kind of arrangement is commonplace and entirely proper within industry. '' Filing false documents is both a State and Federal felony offense. I successfully submitted an appeal to be assigned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Credit card) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: They are calling my job my parents number and other family members telling them that a claim was issued aganist me and do they know of my where about using a robotic dialer. I have spoken with them and they refuse to give me any information in regards to what it is about unless I provide my ss number.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Tried to get a free copy of my credit report from all XXXX credit reporting agencies using the website XXXX. Only received credit Report for TransUnion. XXXX and XXXX did not provide their reports. And Transunion did not provide a credit score.

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 01/26/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: In early XXXX i opened an account with Chase Bank using their {$200.00} coupon. The terms state that if you open an account and set up direct deposit, youll receive a {$200.00} bonus within 10 days of that direct deposit. 10 days from my direct deposit was last Friday, XXXX XXXX. When i still hadnt received the bonus on Tuesday, i went into the branch on XXXX XXXX and spoke to the branch manager XXXX. She apologized for the inconvenience and said she sees that i met the requirements and that she would manually deposit the money into my account ; that i would see the funds in my account the next day and that she would keep an eye on the account to make sure i didnt receive a double deposit. So the money was supposed to be in my account yesterday. When i didnt see the money i called the branch and asked to speak to XXXX. She told me she never said Id have the money yesterday ... which i know for a fact she said that ; my boyfriend was with me and said the same thing. She said that i would have to wait 10 days after my NEXT direct deposit ... which isnt happening until NEXT Friday. So today i called customer support ; they kept me on hold for over half an hour ... .then told me there was nothing they could do ; that i would have to wait the extra 3 weeks before receiving the bonus. I made payments expecting the {$200.00} to be in my account last week. Now i have {$1.00} to last until next Friday. The 3 people i spoke to in customer suppprt were rude and condescending. I asked them to please look at the dates of everything and credit my account for the funds that were supposed to already be in there, and they were rude and said Id just have to wait. Now Im being told my only option is to go into the branch and speak to the manager again ... .when the manager already lied to me about when the funds would hit my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX   is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance as {$10000.00} and a balance owing of {$16000.00} and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account

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 09/14/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (KY).
Issue: Struggling to pay mortgage

Complaint: On or about XX/XX/XXXXI recieved in the mail 'EMERGENCY MORTAGE RELIEF 'letter explinig how XXXX get my mortage lowered, i called the number provided and started the process after speaking wit the loan spec., I BEGAN THE PROCESS I recieved and signed all paperwork required .After speakng on a conferance call with ny mortage co. and the above named co. I was insructed to send payment in the amt of XXXX in XXXX mthly payments which was at a 2 % new rate on my home. .after the last payment was sent i followed up with the XXXX XXXX only to find no longer was there any service numbers active. XXXX now XXXX mths behind on my mortage, I need help pls!!!

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 10/28/2017 about Debt collection (Payday loan debt) with Integrated Recovery Services (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX a XXXX XXXX called and left a voicemail stating they needed a formal statement from me to verify wages and liquid assets. 

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX a XXXX XXXX called stating she was from the paralegal office of Integrated Services and is contacting me about some paperwork that has come to her for review. The paperwork is marked to be filed through XXXX XXXX XXXX XXXX. I need to contact her or they will have the notice delivered to my place of work or home. She also called my job and talked to my head of the HR department stating the same information to her about me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Managing the loan or lease

Complaint: I have a auto loan from SANTANDER CONSUMER USA on a XXXX XXXX XXXX. over the last two years I have been paying a extra {$60.00} a month to go towards the principal. Instead this company decides to apply none it to the principal and take half and add it to the interest and add 22 % on top of it. I call the company to talk about this and they admit that they did this on tape that I have. After doing some research on this company this the same company that just settle with the fed because of cheating XXXX men and women. I am a XXXX veteran and do not understand how this can still happen with with company. There are many lawsuits that have been filed against this company and this company still try to cheat its customers with this illegal practice. I had a account look at my history of payments for the last three years and none of the payments that have been made have been applied correctly to the loan amount. I have made a request to have all of my payment history mailed to me over two weeks ago, I was told by XXXX a manager that the extra payments will be added to the principal and correction made. So far nothing has been done, the payments still do not show correction made. I would this department to get involved to help make correction and expose this company for what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX, NY XXXX, NY XXXX These are not my address, They are my son, XXXX. 
Also there a charge for XXXX for {$1100.00} This is not mine, It my son also.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Managing the loan or lease

Complaint: I HAD A CAR LOAN WITH NAVY FEDERAL CREDIT UNION. 
MY CAR WAS STOLEN FROM A CAR REPAIR SHOP THAT I HAD NEVER LEFT MY CAR WITH OR DONE ANY TYPE OF BUSINESS AT ALL WITH THEM. 
I GIVE THEM A COURT ORDER AND WARNING THEM NAVY FEDERAL CREDIT UNION NOT TO GIVE MY CAR TO XXXX XXXX.THAT I WAS TAKENING TO COURT .I GIVE ALL LEGAL DOCUMENTS SUPPORT THAT STATEMENT TO THE NAVY FEDERAL CREDIT UNION. 
NAVY FEEDERAL CREDIT UNION GIVE HIM THE TITLE TO MY CAR AND MY SOCIAL SECURITY NUMBER AND OTHER VERY IMPORTANT INFORMATION TO XXXX XXXX. WHO HAD STOLEN MY CAR.I WON MY CASE IN COURT XXXX XXXX WAS ORDER TO GIVE ME THE CAR BACK BUT IT WAS TO LET HE HAD SOLD IT. 
THE NAVY FEDERAL CREDIT UNION DID NOT PROTECT MY PERSONNAL INFORMATION OR MY LEGAL RIGHT TO OWNER SHI OF THE CAR. 
I WROTE SEVERAL LETTER TO THEM BUT THE REFUSED TO DO ANY THING ABOUT IT.THEY EVEN GIVE ME BAD CREDIT AND DO NOT WANT TO BE RESPONIBLE FOR THEIR WRONG ACTION.I WOULD LOVE TO SUE THEM BUT I DO NOT HAVE THE MONEY TO HIRE A LAWYER. 
I WOULD NOT LIKE FOR ANOTHER PERSON TO GO THROUGH THE SAME THINGS I DID.THE XXXX NEARLY KILLED ME TO KNOW THIS AND THEY GET AWAY WITH IT. 
CAN YOUR OFFICE HELP ME WITH THIS MATTER. 
THANK YOU FOR HELP AND SUPPORT. 
PRAYING FOR YOUR HELP. 
TRULY YOURS XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$770.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$340.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$280.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$180.00} XXXX XXXX XXXX Last reported :XX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2200.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 01/18/2017 about Mortgage (Conventional fixed mortgage) with FIRST COMMUNITY MORTGAGE, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: First Community Mortgage paid my county real estate taxes late resulting in a late fee + interest payment of {$440.00}. When I called them the customer service rep on the phone acted like it was my fault even though I have an escrow account. This has blemished our public record on the public XXXX County website for anyone to see that looks our property up online and may have put a blemish on our 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
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I used the annual credit report site, entered all required data, XXXX and TransUnion both said they could not confirm identity, did not even offer an chance to access XXXX, and there were no options to find out why they could not confirm identity, the only option was to back out and then wait a year to try again. I used the phone to request the reports and they needed less info than online, but said it would take 3 weeks before I got it when I needed it for a legal matter right now. All I can say is that this site is about as useful as your other one, the 'Do Not Call Registry ', and that is sarcasm, not praise.

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: To whom  it may con cern I am having an ongoing problem with Transunion since the begining of  XXXX   2017  where they refuse to remove collections off my Credit Report it is prevrnting me to establish new credit it has become frustrating to deal with each time i dispute with Transunion they continue to reply that its factual i am suffering the cause for whats not mine i am a victim of identity theft i send certified mail on  XXXX     XXXX    2017    they revieve mail on  XXXX   XXXX   2017 . I call numerous time i dispute online say reply factual.   XXXX  The Collection as follow :  XXXX   XXXX  {$560.00}   XXXX   XXXX    {$1400.00} Hard Inquirie   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 01/14/2016 about Debt collection (I do not know) with Midstate Collection Solutions, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company, Midstate Collection Solutions, autodialed my number and had me wait on the phone for 15 minutes, at which point I was automatically disconnected because " there [ was ] no one available to take my call ''. 
I waited to tell them that they were looking for the wrong person ( my credit report is pristine ), as this has happened a few times since I opened this line through XXXX. 
In the future, no doubt, they will be trying to reach me again and me answering the phone to let them know they reached the wrong person should only happen once.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX and I noticed an unauthorized inquiry had been made. 

I contacted bank of anerica, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in 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 12/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed this information because this was not my debt. I contacted XXXX XXXX services and I have a XXXX balance. This belongs to XXXX XXXX. The incorrect debt was removed from my credit on XXXX XXXX 2016. I recently just saw that this debt has been reinserted after it was deleted on 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 08-12-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Apparently one of my girlfriend 's credit cards ( XXXX XXXX ) was added to my list of credit cards, though I do not have the card, I am not an authorized user, nor do I have any type of access to this account. The account has had XXXX late payments, which are showing up on my credit report and damaging my score. The account shows as open, but with XXXX balance and it states that the last time it reported was on XXXX XXXX, 2014. On the credit report, it also states my responsibility for the account is " Terminated ''.

Company response to consumer: Closed with explanation