milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2015 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I came to a settlement arrangement with FAMS on XXXX/XXXX/15 and paid this debt in full on that date. I have the settlement letter stating the debt would be settled with payment and the receipt where I paid. Since then they have continued to bill me and have failed to release a judgment lien against my husbands property. They still show my account with a balance of {$9400.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sir or Madam : The reason for me writing is to request your assistance in helping with my loan modification ; but am also in the middle of a foreclosure file by Nationstar Mortgage and request transparency to prevent any dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan modification process. 

On XX/XX/2016, I have submitted the form XXXX, Hardship Affidavit ; and Dodd-Frank Certification to my dedicated loan Specialist XXXX XXXX XXXX who is working on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (IL).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: Received a rebate card for {$5.00 } ( I know  it 's a low amount, but it 's the principle of the matter ) from    XXXX   XXXX   afte r submitting rebate for a pet medicine (   XXXX   XXXX   ).   Card has {$2.00} remaining ( again the principle of the matter ), but physical card expired o n  XX/XX/XXXX . Pe r the CFPB advice on this website, my understanding is the funds should be valid for 5 years, and the issuer should reissue without fees.   I called the    XXXX   XXXX    number of  XXXX , and spoke with the customer service  rep. My car d tracking number is  XXXX . The rep said that they can not reissue the card if the expiry date is more than 6 months. It 's   XX/XX/XXXX   today, so I missed it by 16 days. I quoted your advice on this website, and he still said no. He was quite polite, and was obviously hamstrung by the company policy. I called on Frida y  XX/XX/XXXX , at   XXXX   CDT . I said thank you, and that I would be reporting the issue to CFPB because either  XXXX  is in breach of the CFPB guidelines, or the website is incorrect ( or perhaps my understanding is wrong? ) Anyway, I wanted to report this to you as I 'm sure these companies are making a lot of money, wrongly, off the backs of consumers.   Before realizing that    XXXX   XXXX    was owned by  Blackhawk Holdings, I  had also submitted an email t o Blackhawk Holdings for  another prepaid card that has {$10.00} on it that expire d  XX/XX/XXXX . I do no t expect a favorable response to that email given the information I received from their rep over the phone, so I am adding that card to my complaint as well. Number for that card i s   XXXX  , exp  XX/XX/XXXX , cvv  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Well its been 6 months since I been asking Chase told help me get out of this BAD loan that they gave me. My payment was a negative ARM, did n't cover half of the interest or property taxes. 
So Chase told me to apply for the loan modification option, after 4 months going back and forth. Chase finally assigned a negotiator ( XXXX XXXX p. XXXX ext. XXXX ) who told me that he apologizes but he had forgot about my application for loan modification and he will do his best to review the file after 4months. 

So XXXX XXXX made fax all the documents again since he forgot to review my documents 4 months ago, I faxed and even mail the complete application all over again. On XX/XX/XXXX XXXX XXXX finally told me that my application was sent to an underwriter and to wait for an approval. 
After 30 days later I called to check the status and XXXX XXXX told me that the underwriters went on vacation and my application was never reviewed so I had to resubmit my application. 
So I requested for a manager and he transfer the call to XXXX XXXX phone # XXXX ( supervisor ) who told me that XXXX XXXX was new to their department and he will be helping him out with the review of my loan modification for HAMP program. 

XXXX XXXX phone # XXXX ( supervisor ) also told me that all the documents were in and to allow 30 days to have a final decision. So On XX/XX/XXXX. I called Chase and spoke to XXXX XXXX from the Loss Mitigation department who told me that no one was available to provide me with the decision and he hang up on me. 

I called today XX/XX/XXXX and spoke to XXXX XXXX who told me that no one was available but based on the notes my application was removed from modification because the HAMP program expired on XX/XX/XXXX and it does n't matter if I had applied before that time since my application was removed and cancelled. 
It did n't make any sense so I requested for a manager and she told me that no one was going to speak to me since I was no longer covered under the government program and she hang up on me. 

I am very upset at Chase and all representatives that work there since it is not fair that they are coming up with all theses excuses to refuse to help me keep my home. My mortgage payment now became adjustable and I can not longer afford the new payment. I do n't think this is fair since I asked for help before the payment became adjustable. 


I am asking for your help since it is not fair the way that Chase is treating me and my family. all we are asking for is to help keep our home. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The birth year on my Experian Credit Report is XX/XX/XXXX, but I was born in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) placed {$4200.00} in collections without notifying me about the debt, attempting to take the debt from my bank account, etc. I learned about it because my XXXX  credit card closed due to a " serious delinquency ''. My Transunion credit report shows that my XXXX account is in collections. My credit score has fallen more than 100 points because of this error.

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 04-05-2015 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I got a XXXX loan with XXXX pay off. called before lone due let them know due to fraud my bank account was closed and I was waiting for new card. got new card called in and was told I was in collections and now owed over XXXX being told my employer will be called and I will be arrested if I do not pay XXXX. 
This is the person harassing me : Note : To make the payment you would have to call or text our number XXXX or email us on XXXXXXXXXXXX Attorney XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My unpaid account with XXXX was sent to collections to two different collection agencies : Receivables Performance Management ( XXXX ), and XXXX XXXX, XXXX. 
I settled an amount with XXXX, and the account was settled in full on XXXX/17. 
However, I am still listed on XXXX XXXX system and the account is showing on my credit reports, affecting my chances of obtaining a home loan, due to the bad and misrepresented information. I have spoken to XXXX XXXX  Escalations Department Manager 's to try to resolve the issue, and have forwarded them email documentation ( PDF file of receipt from XXXX ) proving the account with XXXX has been paid for, but they have yet to update their records. They keep telling me they have not received any proof, and keep on prolonging this stressful situation for me. 
I am asking for assistance to get this issue resolved as soon as possible.

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 03/27/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have received XXXX credit reports from Equifax during the last year. Each report has shown a different credit score give n to me and to the bank. One score given to me from Equifax on XX/XX/XXXX was XXXX. Equifax gave XXXX a score of XXXX on XX/XX/XXXX. A discrepancy of XXXX points negative. 
On XX/XX/XXXX Equifax gave me a score of XXXX and a much low er score to XXXX. This has happened many times over the y years. Is there a double standard at play with these credit agencies? I have been refused several loans over the years, could this have been the reason? How do I proceed?

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with Experian Information Solutions Inc. (UT).
Issue: Late fee

Complaint: I opened an XXXX CC XX/XX/XXXX to establish Credit and help with my moving of goals into the professional world with costs after getting my XXXX degree in XXXX, with an emphasis on XXXX, and with being XXXX so I could hold true to my vision of this. I had planned on using this XXXX card to acquire equipment, further education and unforeseen expenses, that I may need to establish myself in the XXXX so that I can be XXXX and XXXX and get XXXX with XXXX who could appreciate my unique skill set and understanding. I had DESIGNATED that my XXXX be paid always through automatic payment through my bank account at the initial time I had set up the card ( like I do with ALL my other cards/bills ) I had an excellent credit score rating of over XXXX prior to this, and I always pay my bills etc. Did n't need or use the card until XX/XX/XXXX, the system seems to have had some kind of glitch, and it did n't auto deduct my first payment that was due off a {$2000.00} vehicle repair I had put on the card ... This payment came to me sometime XX/XX/XXXX from XXXX, at which time I was furthering myself by XXXX.. and had no access or communication or awareness of the notices sent to my home in Utah. No phone calls were sent to my voicemail on my cell phone either, which was also listed on my account, only calls to my home were made. Once I got the news from home and was out of the fields of XXXX on the West Coast, that I had home messages and mail from XXXX I immediately called them and made a large payment and asked them why it had not auto paid. They had no answer, and I defended that I had set that up that way when I got the card application, and this should not have happened or been an issue, as I had stated set it up this way initially on the XXXX website. I paid them by phone with debit card, still on the road, and when I got back to a PC I went in and redid my auto payment info so that it always does that now, like every single other kind of payment I make for anything, which I always pay, on time. 
The major problem I have facing me in the long run is that Experian immediately dinged my credit after filing notice, which I did n't receive as I was away from home and this had been my very first payment required to XXXX ( which all of this will hurt me further as XXXX is evolving and as I may need a business loan someday very, soon ) also, Experian/XXXX took away my credit spending limit which I had GREATLY been counting on in order to secure goods and services for my business needs as I am in this pivotal point of XXXX life and emerging as a XXXX with a XXXX in the world.

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 12/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I spoke to my relationship manager on Late XXXX to discuss a mortgage resolution that has yet been fixed. The relationship manager said that she will look into me paying a {$1400.00} down payment and then have a {$1000.00} mortgage payment per month. The relationship manager said she needed to get approval before it can be approved. I never heard back from my relationship manager for the approval nor did I get any letter saying I was approved. After about 3 weeks, I went online to my account at www.ocwen.com to see if there is any update and I saw that all I had to pay was a payment of {$1000.00} starting XXXX XXXX, 2015. I made my payment on XXXX XXXX, 2015 and received a confirmation letter XXXX from Ocwen. I checked my Ocwen account daily to see if my payment posted and on XXXX XXXX, 2015, the {$1000.00} was deducted out of my wife 's XXXX account on XXXX XXXX, 2015. Ocwen stated on the phone that they rejected the payment because I did not pay the {$1400.00} down payment. I explained that they never sent me a letter with approval and when I saw that I had to pay the {$1000.00} I paid it. 
Ocwen has been playing around for a XXXX time now. Most recently I submitted a letter to the CFPB in regard to {$10000.00} I paid Ocwen with no resolution. I am in dire need of help from the government as Ocwen still has messed up my situation. They seem lost when it comes to phone calls and when you do the right thing they just want more money.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My loan originated in XXXX, as a interest only loan. In XXXX, I applied for a Home Affordable Modification Program to run from XX/XX/XXXX to XX/XX/XXXX but was breached by XX/XX/XXXX. 
In XX/XX/XXXX the interest only term ended resulting in the monthly premium increasing by {$800.00}. I received 2 Citimortgage letters ( see attached ) from CitiMortagage dated XX/XX/XXXX and XX/XX/XXXX regarding the payments changing. As of XX/XX/XXXX, the payment was {$860.00} by XX/XX/XXXX the payment was {$1000.00} and by XX/XX/XXXX, {$1600.00}. In XX/XX/XXXX, I applied for another HAMP modification and submitted all paper work on time and did n't receive a decision until late XX/XX/XXXX but was supposed to receive an answer within 30 days. Appeals were requested but the modification was still denied. Due to interest rate only being 4 % which is the rate from the current modification and household expenses to income ratio. According to CitiMortgage modification terms the interest rate was suppose to cap at 5 % in XXXX and the modification terms was suppose to supersede the interest only term, per CitiMortage 's modification contract ( see attach ). 
Citimortgage intentionally delayed the underwriting process of the HAMP application to avoid honoring any modifications under the program. I believe my application in XXXX and XXXX was unfairly processed. I 'm a victim of predatory lending since the modification was set up for interest only for 120 months. No payment to principal was designed intentionally.These terms was based on Citimortgage in-house modification terms. 
My account is 90 days delinquent, due to the payment increase. 
I would like an investigation to be done on the handling of my account from inception until now.

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/2018 NOTICE OF LAWSUIT SETTLEMENT OFFER EXPERIAN XXXX. XXXX  XXXX XXXX TX XXXX To Whom it may concern : I regret to inform you that your company is now the target of a lawsuit due to an endless circle of grief you have caused me. You have violated the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act on multiple occasions as described in the following lawsuit. I have an extensive paper trail along with substantial proof of these violations. 
I am willing to settle this matter and save us both aggravation of fighting this out in court. I am willing to withdraw the law suit upon. 
1. Immediate Deletions of the following Accounts 1. Public Record Account # XXXX 2. Immediate Deletion of all Inquires 3. Removal Of Identity Theft Alerts 4. Update My name and address as per my Drivers License Do these things within 5 days of receipt of this notice and I will immediately withdraw the lawsuit against your company. If you wish to settle this matter you may contact me at the address listed at the bottom of this letter with an updated credit report with the necessary changes Thank You for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DOB-XXXX SS # 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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with  XXXX ,  XXXX , and Experian with no avail. I 've requested for  XXXX   XXXX  to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Secti  on 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).

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 04-08-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MO).
Issue: Problems when you are unable to pay

Complaint: Creditors called my aunt and uncle 's home and cell phones looking for me. I had never given them their information to contact them. I called Ally Financial to tell them not to call my family and they assured me that they would not. They told me that their number was not one they used to contact me. When I asked how they were able to obtain such information that said they did not know how or why they were being called. They said a third party may be responsible but they were not able to give any further information when I requested it. They reassured me that they would not be calling them again. However a few weeks later my aunt and uncle called saying they had more harassing phone calls from the company.

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 11/19/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was a student at XXXX college when the school closed, XXXX of the XXXX colleges. I am stuck paying my private loan in full. How can I get this loan wiped or reduced? My loan was from XXXX but changed their name to UAS. They do not seem like they want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/15, I submitted a complaint letter to Suntrust Bank concerning incorrect information provided by XXXX as my credit data for consideration of a credit card offered by Suntrust. On XXXX/XXXX/15, I sent a letter to XXXX concerning the same above mentioned issue : reporting erroneous credit data on my behalf. I have attached copy of the letters mailed to both companies. To date, neither business has responded to my letters. Therefore, I am requesting your assistance with this matter. I am demanding a response to my inquiry from each business. I have attached a copy of the letters submitted to both SunTrust and XXXX. I also intend to file a complaint on those organizations with the respective XXXX and the Federal Trade Commission ( FTC ). 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (I do not know) with United Consumers Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the last couple of weeks, we have received calls from UCI stating my wife has a debt. We have caller ID and do not answer calls from unknown parties so the call is recorded. We owe no debts and have received no mail notices from anyone about any unpaid bills. The calls are coming from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Debt collection (Credit card) with Admin Recovery, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i had made a payment XXXX and then they wrote me off i was up today with my payments but they still wrote me off and now tis company ADMIN RECOVERY LLC XXXX XXXX XXXX XXXX XXXX XXXX, NY reported me to the credit report now my credit is bad

Company response to consumer: Closed with explanation