milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I think 90 days is a more than reasonable amount of time for the credit bureaus to do their research to determine that accounts are not valid. I have XXXX accounts XXXX of them are collections that have been merged to my file. Like I said I have waited 90 days and I hoping you can assist me before I take legal action. 
Please aid me in having the XXXX accounts below removed from my profile- so far I have never received a response from Equifax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (AK).
Issue: Settlement process and costs

Complaint: JP Morgan Chase entered into a Cash-for-keys agreement with me and I feel has now defaulted on our agreement and refuses to forward funds to me that were promised in our agreement. I feel that their representative misrepresented the facts of the case and I need a successful resolution to this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Sale of account

Complaint: I had a Best Buy card from XX/XX/XXXX, that was owned by XXXX XXXX with debt protection at the time, always paid it no problem, until XX/XX/XXXX, when I had a back injury and started receiving XXXX and filed the debt insurance claim. No problems, Best Buy accepted my claim. Now Best Buy sold their card to Citi Bank and I am being sued for the amount by XXXX XXXX, I guess owned by Citi Bank. Obviously an oversight on someone 's behalf, not mine. I paid the debt insurance filed the claim, and now am being sued. Please help

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 05-09-2015 about Debt collection (Credit card) with Brumbaugh & Quandahl (NE).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: On XXXX I went to an ATM to get cash from my checking account knowing I had a balance of over {$2000.00} I got XXXX cash and it said my balance was XXXX. I thought it was a mistake so I called my bank XXXX at XXXX and they told me that XXXX XXXX XXXX XXXX had a jugement on my account for over {$1600.00} that was dated XX/XX/XXXX for XXXX XXXX credit card? I currently have XXXX credit cards from XXXX XXXX with perfect account standings.I ran credit reports from your website about 4 months ago that were all good and showed nothing of this what so ever. I certainly do n't recall a judgement in XX/XX/XXXX 12 years ago of this nature. The last couple months I was getting calls on my cell phone with the caller I.D . blocked and when I answered they would rattle of something credit service and ask for personal information address date of birth social security number and a red flag would go off and I was positive it was a scam because they would n't Identify themselves and wanted my information and they would call twice a day and started threating me so I quit answering the calls. After I talked to my bank and they gave me the company name and phone number I called them and they told me that they had an active judgement against me dated XX/XX/XXXX for XXXX XXXX and they were going to contact the courts that I contacted them and they were going to seize my money? I do n't know it this is an actual recovery company but they present themselves like big time scam artists. I also had credit reports ran XXXX when I got a credit card from XXXX 's that was good and showed nothing of this at all. If this company has an active XX/XX/XXXX judgement against me why has n't it ever showed up and if XXXX XXXX had a bad account with me why would they issue me XXXX different cards and have had the cards for a long time with no complaints. I did file a complaint with your website on the class action of XXXX XXXX kept billing me for account protection that I never signed up for and kept billing me for years and would n't stop and I was awarded somewhere in the {$1600.00} dollar range so I wondered if this was that company that kept billing me without my consent? I am not a wealthy man and it is the XXXX of the month and have bills to pay and now no money to pay them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following accounts and credit hard inquiries listed on my XXXX, Experian and XXXX XXXX credit report are fraudulent, not mine and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, death threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXXXXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXXXXXX XXXX credit card accounts. XXXX XXXXXXXX XXXX  is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXXXXXX XXXXk credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.

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 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/2017 I was charged {$500.00} and {$370.00} from XXXX XXXX XXXX in XXXX XXXX Florida and i disputed the charges. I disputed in terms of non received the service from the bussiness. After i filed the dispute Bank of America Denied it, the customer service reps were very rude and said that there is nothing they can do. They send me a denial letter of just two sentences.

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 06-06-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted over a year ago about this particular debt! I contacted debt collector at that time to get info on what debt was. The company only new the company they collected for so I contacted them about the debt. This company that I contacted did n't know anything about it, and they did n't even have my name on file! They told me to file fraud report with police and I did with   XXXX   XXXX   sheriff 's office. I had n't heard anymore until  X/X/ 17   when I received another letter from another collection agency wanting to collect for the same co. I again called the company who supposedly wanted money and again they showed no record of me and of coarse no money owed from me. This is showing up on my credit report and it is false, I am listed with collection agency for no reason.

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 06/26/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Application processing delay

Complaint: My complaint today is against Synchrony Bank for the lowes credit card. This is the second time i have applied for their card and they have declined me without merit. I believe that they are discriminating against me for my Age. I am putting in this complaint to make the CFPB aware of the illegal practices that Synchrony Bank is taking. They have no merit to decline me as you will see my XXXX XXXX Credit Report which is the report that they pulled is free of delinquencies and I have over an XXXX Fico Score. I am also attaching the Application Reference Number they provided on the XXXX XXXX Application.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with U.S. BANCORP (AZ).
Issue: Balance transfer

Complaint: I was offered a balance transfer. No interest until XXXX 2017. I took advantage of special offer and paid the 3 % transaction fee. I have made my payments prior to due date and larger than required. The bank closed my account, did not state why. Then changed my interest rate from zero per offer to a default rate. They also more than doubled my monthly payment. I tried contacting them to resolved on several occasions this month spending more than 30 minutes each time. This is deceptive marketing. I believe due to the fact the closed my account could have negatively impacted my credit which could prevent me from seeking additional credit. I have not missed any payments on any accounts ever. They chose to make balance transfer offer and received offers from them on a monthly basis. Then as soon as I took advantage, they reneged on their " offer '' so they could charge me interest. The already took a large up front fee to take advantage of this offer.

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 08-10-2017 about Debt collection (Other debt) with Results Unlimited, Inc. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: I received a letter from RESULTS UNLIMITED, INC on Friday XX/XX/XXXX claiming that I owed XXXX XXXX ( my old apartment complex ) {$130.00} I called the company ( ( XXXX ) XXXX ) TuesdayXX/XX/XXXX at XXXX. Gave the young lady my name and she wanted my address I told her they sent me a letter so it 's the same address. At that point she proceeded to tell me if I did not update and give her my address she could not send me to whomever I was to speak to regarding a debt that I supposedly owed. She told me when I called back with my address then I could speak to someone. I hung up, waited a couple of minutes and called back. Same lady answered the phone, I gave her a bogus P.O. Box Just to talk to someone. I was on hold for approximately 3 minutes. Once XXXX came on the phone I gave her my name and asked her what this DEBT COLLECTION letter about. XXXX then proceeded to ask me was I working and answered YES. Then she wanted to know where I worked. I told her I was not giving her that information. I do not know who she was or who the company she represents was. XXXX then told me then, that she could not help me. I told her that what ever this is about I am disputing the claim, and that I was not giving her my employment information. She then tells me that they will then just see me in court. I did not argue and simply said ok and then turned around and called the CFPB where I spoke with XXXX and here I am now.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm filing a complaint during the approved programs Unemployment forbearance program XX/XX/XXXX - XX/XX/XXXX and Home Affordable Modification Program ( HAMP ) XX/XX/XXXX - XX/XX/XXXX. I received numerous calls from the Collections department and letter stating additional payments are due to avoid foreclosure proceedings regardless of the approved programs. I have fulfilled the program requirements making the payments as agreed to maintain on the approved program and additional payments to avoid foreclosure. 
Chase unwilling and unable to provide detail payment posting history explanation of payments, refunds, credit transfers and credits during approved programs Unemployment forbearance program XX/XX/XXXX - XX/XX/XXXX and Home Affordable Modification Program ( HAMP ) XX/XX/XXXX - XX/XX/XXXX. Payments over the monthly approved amount were placed in unapplied principal as credits and then posted to account as additional account payments. When Chase was contacted concerning creative account regarding the overpayments during the approved programs, I was informed this was a standard practice and the unapplied principal is not refundable back to the lender or can be used as future payments. I have attached the approval letters for both approved programs and account transaction history. 
Please review my case to determine if Chase applied the payments applied in acceptable manner during APPROVED government regulated programs.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (PA).
Issue: Managing the loan or lease

Complaint: I have a vehicle financed of which i paid a total of 59 payments on a 60 payment loan as of XXXX/XXXX/15. The financial institution was trying to charge me an additional XXXX in interest which i had made multiple requests and sent multiple overnight letter to try and discuss due to this should not be due and it has gone un responded. I have since made the 60th payment on my loan and still they do not respond and will not try and help. We did take extensions on the loan due to family illness and job issue during the 5 years which is way our maturity date was moved to XX/XX/2015 but all payments have since been made our original maturity date was to be XX/XX/2015. Any help to gain a response and to help fix my wife 's credit for the last few months would be great. Each time i have spoken to a representative they advised to hold the payment until the issue is taken care of and it never was and they in turn reported negatively on her credit.

Company response to consumer: Closed
Consumer complaint received 08/22/2017 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: This complaint is in regards to a tradeline being reported on my TransUnion credit report as XXXX XXXX. Per the Florida Attorney Generals Office, this loan is in violation of the The Florida Consumer Finance Act, which prohibits a lender, regardless of their location to offer loan products to residents of Florida without holding a state issued license to do so. According to the Florida Office of Financial Regulation 's Division of Consumer Finance, XXXX XXXX does not hold the required legal license to provide loans in the state thereby making this tradeline invalid by law. Continued reporting of an invalid account is a direct violation of the Fair Credit Reporting Act. I have disputed this tradeline repeatedly with Transunion only for them to send an e-validation to the lender to confirm my name and address, never investigating the validity of the alleged loan with the appropriate agencies as I have outlined above. This invalid tradeline is being reported illegally by an unlicensed lender and Transunion continues to refuse to effectively investigate this fact, willfully disregarding FCRA requirements. I am again requesting CFPB assistance in enforcing federal law and having this illegal tradeline removed from my TransUnion credit report. XXXX XXXX is an online Tribal lender who is not licensed to provide loans in FL. They are illegally reporting this invalid account in an attempt to extort payment from me and TransUnion refuses to perform a simple validation with the appropriate agencies that would confirm this fact. I demand that TransUnion either permanently remove this item from my credit report, or provide evidence that they have validated this lender 's legal ability to enforce this alleged account and it 's reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I believe my identity information was stolen through a breach of security on part of Equifax Inc. Their new website, www.equifaxsecurity2017.com, reports that " based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: For the past  XXXX  to   XXXX   months my  Federal loan payments have been wrongfully allocated to my Private loans, Making my Federal loan payment late. I then have to call them and have them figure thing s out and re-allocate the funds to the correct loan. This happened today   XXXX   and   XXXX     and once in  XXXX  but I ca n't remember the day. On the  XXXX  phone call they said that after they moved the money back to the Federal loan it would make the  Private  loan {$80.00} short. however when I called this evening they said that they saw were that payment was made, however it was n't applied to anything. I have probably had over {$800.00} misallocated. Also the company in question is Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Home equity loan or line of credit) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Application, originator, mortgage broker

Complaint: We have a balloon mortgage with BMO. The mortgage was due in full XX/XX/XXXX. We have made a good faith effort to refinance our property and pay off the loan. We have been denied this opportunity by BMO as we applied for a mortgage to refinance the balloon mortgage with BMO and not only never completed the transaction, we were never notified either of the status of the loan, the appraised value, and whether or not we were approved for the mortgage. When we had no success with BMO, we applied for a mortgage and were approved, but then BMO foreclosed on us and we could not refinance. 

Here is a timeline in our attempt to refinance with BMO : XX/XX/XXXX- Met with XXXX with BMO Harris . XXXX told us what was needed to refinance. 

XX/XX/XXXX- Met with BMO XXXX employee, they referred us to have a realtor come out to the house to appraise it. Not sure why they had a real estate agent come to our property rather than running an automated appraisal. 

XX/XX/XXXX-XXXX came out to our property. 

XX/XX/XXXX- Sent the refinance financials and application papers to BMO XX/XX/XXXX- Received a letter of Approval, still needing information Approx. XX/XX/XXXX-XX/XX/XXXX-house of appraised twice. The appraisal was never sent to us. Not sure why it took months to get an appraisal done. 

XX/XX/XXXX-Received letter from a XXXX at BMO needing some additional information to get to the loan approved, we sent this on XX/XX/XXXX. 

XX/XX/XXXX-We attempted to make a payment on our current loan but BMO denied our mortgage payment and would not accept the funds when we went to the bank to pay. When I went to the bank, they told us to call another person named XXXX XXXX. We faxed the paperwork to XXXX at BMO. XXXX said not to worry about paying the mortgage right now, it will all be settled in the new loan and that it will be included in our new payment. Since that time, we have heard nothing about our loan with BMO and never received a rejection or a clear to close on the loan. 

XX/XX/XXXX-Since we could not refinance, we XXXX XXXX XXXX XXXX since BMO did not make a decision. XXXX was in the process of funding a loan on my parents ' ( XXXX and XXXX XXXX ) house to pay off the BMO balloon mortgage when BMO served us with foreclosure papers. This makes it impossible to refinance. 

BMO has clearly violated a host of lending requirements and has impeded our good faith effort to

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 07/17/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA).
Issue: Other transaction issues

Complaint: Attempted to send money to someone. Had to cancel the transfer. Received the cancellation notification and it indicated I would have the money back in 3-10 business days. It has been 12 business days and I have not received the money. 

When I contacted MoneyGram concerning this, they stated I needed to check with my bank after giving me conflicting information that I had to wait another 3-10 business days since it was not processed properly the first time. After contacting the bank, additional calls to MoneyGram indicated they have no good method of tracking the money on cancellations and are just quoting the date that I cancelled the transfer. 

When I requested to esculate this internally, I was hung up on repeatedly and was still unable to get a straight answer or my money back from them. 

I actually have cancelled XXXX transfers that were {$200.00} each on the same day and have not received back money from either one of the cancelled transfers..

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I FILEED FOR MORTAGE MODIFICATION WITH XXXX IN XX/XX/XXXX. XXXX CONTINOUSLY DENIED MODIFICATION BASED ON MY NAME. AT FIRST THEY SAID I WITHDRAW APPLICATION WHICH WAS NOT TRUE. AFTER ALMOST A YEAR THE MODIFICATION WAS APPROVED IN XX/XX/XXXX. XXXX SOLD THE MORTAGE TO ANOTHER COMPANY CALLED NATIONSTAR WHO IS NOW SAYING THE MORTAGE IS BEHINED XXXX AS PER INFORMATION FROM XXXX. XXXX IS SAYING BECAUSE THEY DECIDED TO APPROVE MODIFICATION FROM INTIAL DATE. NATIONSTAR IS NOW SAYING THAT THEY WO N'T ACCEPT MY MORTAGE PAYMENTS BECAUSE OF THE XXXX ACCOUNT IS NOT CURRENT. I REALLY NEED HELP I JUST AM GETTTING BACK TO WORK AFTER HAVING XXXX AND THIS IS STRESSING ME OUT BECAUSE NOBODY CAN SEEM TO HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation