milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: My vehicle has been  determined as a total loss by my insurance company. A payment has been sent to Capital One Auto to  apply to the auto loan balance. But, there is still a balance owed. I called  XXXX  to inquire if I  may  have my loan payments reamortized based on the remaining lower balance. The representative I spoke with said he is unable to assist me and there is no one for me to speak with and that I must wait to receive a letter or a phone call regarding the remaining balance and payments due on my loan.     I would like to continue making payments on the loan until the balance is paid in full. But, I can not afford the current monthly payment. I would like a modification of my auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It Might Concern, This is XXXX XXXX XXXX and XXXX XXXX, we are owner of our home at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. We have been divorced and still in contact to care of our children. Judge granted the above address to mainly be XXXX XXXX 's home. We have contacted CHASE quite a while ago to give us a final amount as a XXXX time settlement because we pay CHASE monthly ( {$400.00} USD ) and the payment does not go into the principal or affect the principal, and the principal is {$160000.00}. We are asking for {$5000.00} as a XXXX time payment. We have paid CHASE this monthly amount for more than XXXX years. We originally took out the amount for my XXXX 's and basic house renovating due to old age. I ( XXXX XXXX ) plan to petition for Bankruptcy Chapter XXXX because I am in financial trouble, XXXX XXXX is also having his severe financial burden, I do not know what the destiny of this Home Equity Line of Credit loan because it has both of our names. I also have to pay XXXX XXXX XXXX mortgage as our XXXX loan monthly of {$1400.00}, The principal balance is {$180000.00}. I have been making payment on time because I fear I might loose my ( XXXX XXXX ) only home if I skip the payment and also I want to keep the integrity of my promissory note. The monthly payment is from borrowing and I am running out of place/people to borrow. I professionally seek to have a settlement with CHASE. CHASE is not willing to work with us in any way. We have called in, we have sent letters, we got nothing returned. We feel like we are in trap of interest. I also want to know if this CHASE Principal amount is forgived as part of the Department of Justice-State Attorney Generals National Mortgage Settlement. I respectfully ask for your help of contacting CHASE and give us XXXX time settlement or give us options. 

Looking forward to hear from you and thank you very much for your attention on this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collector name is Diversified Consultants Inc and it stated that is is originally from XXXX. I paid in full before requesting disconnection since we are switching to new company and the amount they attempt to collect is bill statement after disconnection. I called XXXX several times and the main office confirmed that I have no balance to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: BB & T is using 365 days this year to calculate their interest on my HELOC ( interest only ) loan with them. I believe 366 days should be used in the calculation. The use of 365 increases the actual interest rate charged above the actual interest rate agreed to and advertised. I contacted BB & T about this and have not received a response.

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 09-02-2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is refusing to block fraudulent information on my credit file as legally required by FCRA Section 605 ( b ). 

They sent me a letter with the following statement : '' Please be advised that Equifax, at this time will not block the information subject to the submitted identity theft and Or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account On your behalf. We will also forward a copy of documents you have provided to each creditor for their review. " I sent the, all required documents, including my ID Theft Report as detailed on XXXX. 

They are providing no explanation regarding why they have refused to block the information and placed all of the fraudulent items into their XXXX-day dispute process. This has been an extremely frustrating process and I do n't know how else to recover from this ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I last heard from XXXX XXXX XXXX cable combany in XXXX XXXX between the years of XXXX and XXXX. I did n't pay my cable bill so they deactivated my account and canceled my subscription. I never knew you could owe a debt from a service you no longer wanted to have. The debt has since been turned over to XXXX with a debt of {$320.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: When trying to access any credit score information regarding my credit account with  XXXX  I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on  XXXX  website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I s ee   XXXX   accounts are positively reporting with them so I know I have a file but every time I try to acce ss my   XXXX   score on  XXXX  or on  XXXX  or   XXXX   XXXX   I get locked out I need to be able to access my free  XXXX   fico sco re I have similar problems with equifax however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my  XXXX   XXXX   since we have  reported that with the credit companies and an official change of address so I do n't understand what is locking me out

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a Capital One Credit Card and Ive a few problems. 

First, when I made my first monthly payment, it took approximately 5 days to take from my checking account, as there was an option to take from my debit card. 

It took too long, I didnt have the money in checking account for my monthly payment, and it bounced back, and I was charged with XXXX {$25.00} return fees. 

The next month I was charged a past due few of {$25.00}, interest in the amount of {$6.00}. 

The following month a past due few of {$35.00} was charged, and an interest fee for {$7.00}. 

The next month, another {$35.00} past due fee and an {$8.00} interest fee charge. 

Thats over {$100.00} in fees. I dont think thats fair at all. 

I called the company and they told me if I paid the balance on the card they would see about crediting the fees, and thats not acceptable as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (I do not know) with Tate and Kirlin Assoc (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I keep getting harrassed by people at : Tate & Kirlin Associates, XXXX. 
XXXX XXXX XXXX, PA XXXXThey call multiple times per week stating this is a personal business matter, now I have recently settled a lot of old debts and they are trying to collect on an account I have paid already. One person asked for my social security number and the next person asks for my birth-date but I am not comfortable giving that info out to a company that has so many complaints filed against them. I just applied for a mortgage and nothing negative came up on my credit report from this company. I would like the to stop harassing me with fowl language and yelling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive XXXX to 3 calls daily for months from Pioneer Debt collectors, who appear to be pursuing another party with the same last name. Different first, middle names, but not me, and not my phone number. I have NO debts. Their constant harassment must 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 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing a business account that is reporting to my personal credit profile by the credit provider, I have disputed this item for some time now and have not received any documentation from the credit provider or the credit bureaus regarding their investigation process or any documentation they reviewed regarding my dispute.

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX. 

XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry from XX/XX/XXXX Telephone Companies

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union refuses to properly report my former student loans from XXXX, which were discharged due to XXXX on XXXX XXXX 2016, as tpaid in full, closed, and XXXX balance. Trans Union previously reported by former XXXX loans correctly, only to revert them back twice. I want these former loans with Navient permanently reported as closed, PIF, and XXXX balance,

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 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Maury Cobb, Attorney at Law, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a XXXX customer for 8 long and frustrating years. I had little to no signal and experienced XXXX dropped calls & choppy calls. After years of " we will add new towers in your area soon '' I switched to XXXX. XXXX sold me a phone w/LTE technology. They PROMISED me the new technology would solve my connection problems. They switched to XXXX technology the same week that they sold me the phone. They sold me a useless phone. This same phone was stolen from my shop 2 weeks after I switched. I had it blocked. I also discovered that I had been paying on a phone that I paid for in full at date of purchase. 6 months of wrongful payment for the XXXX phone. I was told I owed on the phones. The cust serv rep at XXXX ASSURED ME they would waive IN FULL the phones ( again, one I had already paid for ) upon termination of service. At that point I owed {$280.00}. I offered them {$140.00} to resolve the issue. The other {$140.00} was ONE DAY ( less than 24 hrs ) of service into the next billing cycle. I offered a prorated payment of {$250.00} to cover the extra day. They refused. My offer to pay the {$140.00} still stands, but all credit references must disappear with said payment, as well as all calls from debt collection agencies and all of their annoying robocalls. They now say I owe {$830.00}. Please understand that " what i owe '' is many numbers. When I call I can get as many as XXXX different " you owe '' totals. Its all XXXX. I " technically '' owe them less than {$140.00}. Im no longer interested in paying the {$140.00} as they have cost me far more than that in aggrevation. I was a customer for 8 years with NOT ONE SINGLE LATE PAYMENT EVER for crying out loud, & aside from this issue I have PERFECT credit. They have sent this " fictional debt '' to many different collection agencies, all of which have harassed me relentlessly. The calls are all hours day and night, even at XXXX and XXXX XXXX. They have hindered my sleep and caused me financial loss. I would like to seek retribution. I have an attorney of my own that knows me well. I am also getting dozens of robocalls daily. One happened at XXXX as I typed this. Conclusion : XXXX has been sued by many agencies for many dishonest practices. This is just another example of their dishonest business tactics. 
XXXX if you SAY you will waive the phones, and SAY " your phones are waived. You no longer owe on the phones '', THEY SHOULD ACTUALLY DO IT!! 

The " imaginary debt '' has been sent to Maury Cobb & Associates LLC. 
Id also like to say since I switched to XXXX my life has vastly improved. My customers can actually hear my voice. Ive experienced less than XXXX dropped calls, I have coverage EVERYWHERE, and I get cell phone reception, not excuses. I should have switched 8 years ago.

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

Complaint: My personal information was stored by Equifax and compromised by hackers. I now must spend extra time and energy protecting my credit history, potentially freezing my credit during a period where it was increasing, thus doing long-term damage to me and my family. The financial insecurity aside, the emotional insecurity of knowing that this agency has utterly lost any credibility or trust in handling my personal data is damaging by itself.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed late payments with Transunion, submitted proof to them directly from the company that my payments were not late and Transunion has repeatedly refused to update my credit file to!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Equifax is reporting 10 months of no information on my account with  XXXX   XXXX  vehicle loan. Equifax intentionally removed the  ten  months of payment history in an attempt to lower my credit score. Equifax previously did the same thing in    2016  and was only corrected after I filed a complaint with CFPB case number  XXXX . I contacted  XXXX   XXXX  to advise them of this problem and they advised that they would reach out to Equifax. Please see attached email chain. I am having the same problem with Equifax with another vehicle loan I have that is with  XXXX   XXXX . There is  twelve  months of payment history missing from that account. Once again this is a deliberate act to ensure that my score stays low. I work hard to pay my bills and should not be intentionally harassed by Equifax who is suppose to be an independent reporting agency.   XXXX   and  XXXX  have both accounts reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (OR).
Issue: Trouble during payment process

Complaint: I wish to file a complaint against Loandepot and their mortgage collection company imortgage. I believe Loandepot purposely raised my mortgage to an amount I could not afford to try and sell me refinancing or other services. 

I obtained a mortgage from Loandepot for a home in XX/XX/XXXX. In XX/XX/XXXX while attempting to pay my mortgage payment of {$1800.00} I was unable due to the fact that the website was saying my mortgage was {$2100.00}. Thinking this was a computer glitch I called imortgage and was told that my mortgage was now {$2100.00} ( and {$320.00} increase ) because a deficit in escrow due to an increase in property taxes, even though my property taxes were current. I argued for more than an hour that could not possibly be correct and could I pay my agreed-on mortgage payment until they got it straightened out. I was told no. I could not afford the new payment and would not have qualified for a loan with a mortgage payment of that amount. Imortgage offered me all kinds of programs like refinancing and loss mitigation options to help me but they all cost more money and more importantly, I knew that they were wrong about the property taxes. I had several phone calls with Imortgage with multiple people telling me different reasons for the increase. I finally had to sell or lose my home. I listed my home at the beginning of XX/XX/XXXX and it sold right away. I did not pay my mortgage in XX/XX/XXXX or XX/XX/XXXX and Loandepot reported that to the credit bureaus. After the home had sold Loandepot adjusted the escrow deficit to {$430.00}, and spread that out over 12 months so my mortgage payment increased {$36.00} instead of the massive {$320.00} which was approximately what I thought it should be ; however, it was too late because the home had been sold. 

This deliberate or not, inaccuracy has been very costly for me. To date, I am out {$69000.00} for rent, realtor fees, deposits, storage, moving fees and so on. I have written to Loandepot trying to get my credit cleared and they have done nothing except send me a snarky response saying these things happen. The BBB was no help either. This home was a multi-generational home, my grandsons lived there with my daughter and her husband. They had to leave the state for a period of time due to not having a place to live. The unethical business practices of Loandepot has severely impacted my family financially and our quality of life. They should be investigated for their incompetence or unethical and possibility illegal activity. This company either made changes to my account to try and sell me other services to save my home or because they have XXXX  working for them. My belief, it is both. 

I do have multiple documents and some correspondence to back up this belief.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Once again, this is very frustrating, I have process this complaint with CFPB and all equifax does is update the same information and no one is holding them accountable so I 'm going to explain this one last time and I am taking legal action because what Equifax is reporting on these XXXX accounts IS ILLEGAL!!!! EQUIFAX IS NOT REPORTING THESE ACCOUNT CORRECTLY!!!. Lets start with the XXXX XXXX account. XXXX HAS SOLD THE ACCOUNT TO XXXX, However, XXXX? XXXX PHONE, NAME NUMBER AND ADDRESS IS STILL LISTED ON MY CREDIT REPORT. NOONE AT XXXX CAN ASSIST ME WITH ACCOUNT THEY HAVE SOLD THIS ACCOUNT, THEY CANT TAKE PAYMENTS, THEY CA N'T DISCUSS THE ACCOUNT XXXX ONLY XXXX CAN XXXX BUT YET EQUIFAX HAS REFUSED TO UPDATE THIS INFORMATION ON MY CREDIT REPORT.STOP UPDATING THAT IT HAS BEEN SOLD. STATE THE NEW OWNER ADDRESS NUMBER AND ADDRESS IF EQUIFAX CONTINUES NOT TO UPDATE THE CORRECT INFORMATION I CAN NOT WORK WITH XXXX WHO IS NOW THE " RIGHTFUL OWNER OF THIS ACCOUNT '' I want XXXX? XXXX to UNDERSTAND PUTTING IN THE NOTATIONS THAT THE ACCOUNT IS SOLD AND NOT LISTING THE NEW OWNER TO RESOLVE THIS IS AGAINST THE LAW. I WANT EQUIFAX TO EITHER REMOVE THIS ACCOUNT BECAUSE I HAVE EVERY LETTER AND RETURN RECEIPT WITH THIS REQUEST OR IMMEDIATELY UPDATE THE NEW OWNER OF THIS INFORMATION. I AM APPLYING FOR A HOME IF THIS ACCOUNT PREVENTS ME FROM DOING THAT XXXX I WILL SPENDING EVERY LAST DIME TO SUE EQUIFAX FOR REPORTING INCORRECT INFORMATION. NOW FOR THE SECOND ACCOUNT XXXXTHIS ACCOUNT HAS BEEN PAID!!!!!!!!!! HOWEVER YOU ARE STILL REPORTING THAT THERE IS A BALANCE ON THIS ACCOUNTXXXX EQUIFAX CLAIMS THAT IT IS VALIDATING THESE ACCOUNT BUT YET. I AM THE ONLY ONE HERE VALIDATING AND CHECKING AND TRYING TO CORRECT THIS MISINFORMATION AND INACCURACIES THAT ARE BEING REPORTED BY EQUIFAX. EVERY OTHER CREDIT REPORTING AGENCY UNDERSTAND THIS AND HAS UPDATED THEIR RECORDS HOWEVER FOR SOME REASON EQUIFAX DOES N'T CARE. cfpb*********** PLEASE AS A GOVERNING AGENCY REMIND equifax OF WHAT THEY ARE SUPPOSE TO DO, THIS IS MY LAST LETTER AND REQUEST.

Company response to consumer: Closed with non-monetary relief