milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have pay this account to the colection company for a lower amount, but still show the original balance and open, also is duplicate from the orignal owner the credit card bank, and from the colection company. XXXX XXXX XXXX Opened XXXX XXXX, XXXX - {$0.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  Overview You 've paid off 100 % of your collection amount. 
Balance {$0.00} Highest Balance {$340.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX See an error? 

You could dispute an error with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2017 we sent the proceeds from sale of our previous home to LoanCare, " a XXXX company. '' Today, XX/XX/2017, LoanCare 's website states that our outstanding principal balance is {$32000.00}, down from an original loan amount of {$330000.00}. Obviously LoanCare received the priority mail envelope that contained a cashier 's check AND a cover letter requesting cancellation of PMI. [ Please see attachments. ] However, as of today our account information on LoanCare 's website states the next payment due is exactly the same amount as all previous payments. When I finally got through to a representative at LoanCare he said the request had not been processed but he would submit the request today 's date. He also said that the earliest we might see PMI cancellation reflected in the monthly amount due would be XX/XX/2017 but that it is unlikely that LoanCare will complete the process that quickly. Therefore, under the best case scenario we will have paid at least three months -- possibly more -- unearned PMI, which the representative said would not be refunded. 12 USC 4902 ( e ) ( 1 ) ) states that a servicer may not require further PMI payments or premiums more than 30 days after the date on which the written request was received.

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 01-07-2017 about Credit card () with Alliance Data Card Services (OH).
Issue: Unsolicited issuance of credit card

Complaint: My wife took my XXXX daughter to XXXX to get her ears pierced. My wife paid with her ( wife 's ) discover card. The only information provided to XXXX was my daughter 's name, our address and my wife 's name on the permission form to get my daughter 's ears pierced. Two weeks after that we received a letter from Comenity Bank stating they turned my daughter down for a credit card. They state in the letter they are the bank for XXXX credit cards. Neither my wife nor my daughter filled out any credit card application. We are concerned about what personal information for my daughter they might have. We are also concerned that they ( either XXXX or Comenity ) are doing something fraudulent with credit card applications. The letter does state they were not able to determine any credit score for my daughter. I hope this is because all they had were a name and address and were not able to get anything like her SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: on XXXX XXXX, XXXX I faxed a dispute to XXXX 's regarding a XXXX 's account that 's reporting to my XXXX and XXXX credit report in the amount of XXXX. I was told to allow XXXX days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX, XXXX acting as a debt collector for Hyundai Motor Finance improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX I have had an issue with Ocwen since they bought my loan from XXXX XXXX when the banking system went south. Ocwen holds payemtns, sendthem back and when I fell behind they charged me false charges. Every month I get different mail from them with different totals and even a foreclosure notice on a loan paid to date. It is a continuing battle. I ca n't get on the website to view documents because it never works. They are behind in updating information and charge because of it. 4 times they have returned my payment to me for no reason. It is frustrating. I called again today and XXXX my case manager says I am up to date and he will send me information regarding charges. Thats fine but they should n't have charged me. All I can say is be persistent. Also it is not the employees fault it is the system they use. I have stopped answering phone calls from them because it is hard to understand them. I only deal with XXXX. 

Charges are dated XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$140.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$130.00} ( XXXX charges XXXX day ) Property Evaluation XXXX/XXXX/XXXX {$300.00} Titel Fee XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$0.00} ) Property Evaluation XXXX/XXXX/XXXX {$10.00} Title Fee XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX charge XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$7.00} Title Fee XXXX/XXXX/XXXX {$7.00} Title fee again

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX BANK, 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 BANKs ( XX/XX/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. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
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. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have been in my home for over 16 years. Back in XXXX of XXXX I filed for bankruptcy in order to recover from a financially devastating blow to my household. I applied for a modification with Bank of America back in XXXX XXXX and I have been given the run around for the past 9 months. I have had 4 different account managers requesting different documentation and every time I submit the required documentation, I am advised that the original documents have expired and to resubmit them. I have done this on 3 separate occasions and BOA allows the documents to expire and I have to call 2-3 times per week to follow up. There is no follow through or any desire to assist. I am tired of empty requests and threats of foreclosure when I am jumping through hoops to save my home. XXXX XXXX is my current case manager and every time he calls me with another hesitation strategy. I have requested assistance from a manager but my  concerns have fallen upon deaf ears. I have been strung along for 9 months and after being told that I have submitted everything, my case manager called me again today to request additional financial documents because they have expired again due to lack of follow through by Bank of America and due to no fault of my own. Attached is proof from their portal that I have provided a wealth of documentation ( at times duplicates ) in order to support my request as requested by BOA.

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 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My XXXX XXXX AAdvantage Citibank card has been CLOSED and apparently " charged off ''. Without any official notification! Now, with XXXX this is crippling my Credit Score. In fact, I have had multiple correspondences with a variety of Citibank representatives from XXXX, XXXX, XXXX XXXX, Missouri, USA, and other locations. On an emails dated XX/XX/XXXX and XX/XX/XXXX, I received warnings that I needed to contact Citibank to resolve the status of my credit card. I realized I was late on some payments. At that time, I contacted Citibank and set up payment to bring my account current which I did. On XX/XX/XXXX, I scheduled a payment for {$1900.00}. During these interactions, I was NEVER notified of account closure?! The representatives said thank you for being a valued customer and we are happy to assist in getting account current. On XX/XX/XXXX after trying to use the card and was DECLINED, I contacted Citibank and spoke with a representative in XXXX. The representative said there was a Fraud/Travel Alert on my account and if I could let Citibank know where I would be traveling to in the near future, I could have full usage of my card. I told her that I am a XXXX XXXX XXXX and travel often throughout country and world. Citibank forwarded me an email dated XX/XX/XXXX showing my next few travel destinations that we had discussed. Not once did she tell me my AA Citibank Credit Card account was closed?! Why would she even set up a Fraud/Travel Alert if my account is supposedly already closed??? The Citibank Supervisor in XXXX XXXX was astonished and apologetic that I was being treated so poorly and told me she was filing a complaint/grievance on my behalf. After more frustrating interactions and getting nowhere, on XX/XX/XXXX I  asked for and received an Account Status email that I have been a " valued customer '' and that my account has been in Good Standing for the past 12 months! However, I still can not use my card. And, now Citibank representatives continue to say my Account is closed, there is nothing they can do and they have declined to reopen it. I 'll have to reapply for a new card. Which will no doubt get declined. To reiterate, this is detrimental to my Credit Score and XXXX is now affecting my other credit cards and debit card usages. For example, it 's impossible to rent a car let alone order a pizza. Citibank has been misleading and telling me a myriad of different things. I think their practices have been very unprofessional and deceptive. As a matter of fact, I have never been told the official date my account was CLOSED? Ridiculous.

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 06/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had a student loan with Navient { formally XXXX XXXX } for over 12 years they have made it impossible to pay off the loan by changing the terms of the loan without letting me know. Late fees were charged six times for one late payment as well as a fee for XXXX forbarence that was charged five times .The amount of interest taken from each payment no matter what the percentage of the loan was ridiculous. On a XXXX dollar payment almost XXXX dollars was taken in interest in one month and the amount of the loan I had to pay would jump up by thousands for from time to time. When I requested a print out of all the payments that were made they neglected to send a copy of 3 years of payments.. I can not understand how they can do business with all these things that do not seen legal

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with Amsher Collection Services, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I need your assistance in helping me to get this Amsher Collection account remove from my XXXX Credit Report. This account is not mine. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified XXXX along with Amsher Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This is the second time this issue has happened, and I have made multiple calls and sent 2 messages to the creditor to have it resolved and they still have not. I am in a promotional period until 2020. My  payment is {$84.00} until then. I had an instance where I tried to setup autopay and it failed to work. This has resulted in multiple late fees and my promotional payment increasing to XXXX $ which is putting the account more and more negative by the day. They are not helping in any way and it 's just going to continue to get worse if they do n't fix it. My fees need to be removed, due to their system problems, and the payment must be reduced back to the {$84.00} that it has been and should be until 2020. I am  continuing to pay the {$84.00}, which it is supposed to be, but since it isnt the {$110.00} they are trying to charge me, it incurs a late fee each time. Their system and customer service is awful and they are charging money fraudulently. Please have them fix this! 

Thanks

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 06/20/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I almost lost my house about 4 years ago and Chase Home finance worked with me thru modification. I had also asked them about dropping my interest rate from 7.25 .They replied make timely payments for a year and we 'll consider it. Its been 2 years and nothing They then used the excuse about not having a high enough credit score. So after that mom passed away I came across some cash and paid my house payment several months ahead Well Chase Is still not willing to work with me on my interest at all I have also been getting help on my credit score and Chase still has n't seem to be interested in helping me. When I gave Chase the money to get ahead several months I could of taken that money and done something else But I chose to pay Chase my house payments early. To show them Im serious about my home. Now Chase is telling me my house payment is going to increase Because of no funds in my escrow account. How is this possible especailly when Chase was paid several months ahead. I do not think Chase is handling my account correctly or handling it professionally ( escrow account and mortage ). All I want / need is to please drop my interest rate.They will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Credit card) with Mid-Atlantic Consumer Services (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: This company has called me over 20 times leaving messages that my social security is linked to an account and all my employers will be notified and will collect from them. I filed bankruptcy 2 years ago. The women stated my old account and I told her it was wrong. immediately she snapped back and said " what 's wrong ''. I asked the year of the account and she was rude and interrupting me. and said well I have your social security number so good luck to you. I called back to speak to a manager and the same women immediately picked up and said " you ai n't wasting anybody 's time ''. I called back from a different number to get a manager and a male picked up. I tried to probe for information so I asked for a mailing address to make a payment. He asked for my phone number, I told him that my phone number was n't linked to that account. he then asked for my SS and I told him I 'd rather not give it over the phone. I asked him to search me by name. he found my " account '' and I asked him what year it was from. All of the sudden the phone and the systems were down. I told him that I filed for bankruptcy and that they needed to stop calling. He said " you were lying then! '' you know what bye.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with N.A.R., Inc. (ID).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: the agent/case handler threatened to garnish my wages if I did n't pay the balance off. without a proper court order/judgement they are n't not allowed to garnish my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (I do not know) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Credit reports states debt from collection agency. Never received notice nor verification of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I 've been trying to get installment pymnts they want work with me  n  give me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive a notice of the right to dispute the debt XXXX claims that I owe. I have disputed the debt multiple times, recently over the last year, and have only received a notice saying that they have validated the debt and will not dispute it again. They completely left me " in the dark '' to take their word for it that the debt is valid, without providing any documentation. Where is my hard copy documentation? How did they validate a debt? Where is proof of the balance? Where is the payment date proof? During XXXX of my attempts to dispute the information via the credit bureaus, XXXX XXXX XXXX even sent me a letter offering me a settlement amount, DURING a dispute, and according to my credit report ( which they say is valid without providing proof ) is PAST the statute of limitations. After disputing the debt account with the original creditor listed, they removed the account from my credit, but portfolio recovery associates refuses to respond properly to my dispute efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: This is in addendum to the other complaint on file. I have asked over and over for a copy of the mpn on said private loan. I finally received it after two weeks. When I received it -- the signature page was so smudged-all important portions were blocked out so i ca n't tell the signatures or phone numbers. I was referred to a bank that supposedly had the loan and they found no records. also, the school that was tied to the loan ( XXXX ) is on the mpn as being XX/XX/XXXX and on the aes website it reflects XX/XX/XXXX. I am getting so tired of these numerous factors which my be incorrect or fraudelent. Pay history does n't match -- all banks or companies do n't have any information to reflect i owe this debt. what gives?????????????

Company response to consumer: Closed with explanation