milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am unable to contact the company to pay my debt! I have tried to call, the contact home number on their letter is a XXXX recording. The phone number on their website just rings and rings and no one answers. Also, the registration code they provided to pay online does not work and I have tried on multiple devices. I just want to pay the debt but I have been unable.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: Reporting company used your report improperly

Complaint: Equifax was hacked and their tool at XXXX indicated that my information may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (I do not know) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I discovered this just listed on my credit report within the past 30 days. I have received no notification, no mail, from Enhanced Recovery about this alleged debt. They simply out it on my credit report without notifying me of my legal rights.

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 11/20/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: I am not getting dispute information from companies I have disputed against.

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 06/15/2016 about Mortgage (Other mortgage) with Dyck-O'Neal, Inc. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in an on going situation with Dyck O'Neal for debt collection from a foreclosure I had in RI. I purchased the home in XXXX of XXXX with a mortgage secured by XXXX, the mortgage was then assigned to XXXX XXXX. The home was foreclosed on on XXXX XXXX, XXXX. In XXXX of XXXX I received notice from Dyck O'Neal they were collecting the debt owed. Since then we have had a few conversations. On XXXX XXXX I returned a missed call from Dyck O'Neal and specifically asked them not to call my work number. Dyck O'Neal called my work number back that day. My supervisor has asked me numerous times why a debt collection company is calling looking for me at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: HSBC violates the opt-out prescreened credit offer. 
I have already opted out but still received the XXXX prescreened credit offer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with EQUIFAX, INC. (GU).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My brothers account/ credit information is showing up or included on my credit information

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (LA).
Issue: Application, originator, mortgage broker

Complaint: Quicken loan and fraudulent claims to get you to refinance with them. This is a VA loan, my husband served his country for 20 years to be taken advantage of and lied to so someone could make a few dollars. The lending agent from Quicken loans specifically told us our payments would be applied to our loan every two weeks as paid and not held in suspense. Once the loan was cleared we became aware of the fact that the funds that are automatically taken out of our account were indeed held in suspense until the full monthly payment is collected, plus an extra XXXX a month and then all of the funds are held until the date the payment is due. The loan we had previously was done the same way and we were emphatic about my payments being applied every two weeks. The end result is we paid XXXX in closing fees to get exactly the same thing I had before. They are auto deducting my payments every 14 days and holding them until the until the due date so we are not getting credit on the interest for paying every two weeks, nor for paying early, nor for paying extra monthly. I was directly mislead on how my funds would be credited in order to claim XXXX + in closing fees. When I complained to QL I was told that they have retrained their lenders to not tell people this but they were unable to do anything for us. We requested that they refund the fees they charged to gain my business by lying to us and we were told that was not their problem and they could not refund any money. 
XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Auto) with REGIONAL MANAGEMENT CORPORATION (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: this company calls me several times a day. At least 4 or 5 times and leaves several messages. I thought they were only allowed to leave one message per day? This is getting on my nerves.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a request for PMI Waiver on XXXX XXXX, XXXX to Loan Care, LLC. I was told I would be contacted within 10 business days. I have followed up numerous times via email and phone calls to check on the status beginning XXXX XXXX, XXXX. When I spoke to them on XXXX XXXX, they said it would actually be 45 days, not 10 business days at the very least. I still have n't heard anything from them and when I just called they would not give me any new information. It 's clear that they are stalling to get as much PMI from me as possible. My loan was just transferred to Loan Care, LLC in XXXX. When the loan was sold from the original financing bank we were in the of getting PMI Waived.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hi I 've been having an issue with navient and the XXXX XXXX and my student loans, I 've been having a hard time getting answers about my student loans. I 've been redirected, hung up on. My loans have been bought and sold adding to the fees and penalties. It 's overwhelming, it 's scary, and it 's been making my life so horrible. I wish I did n't get the fake education from the XXXX. And then have to deal with predatory loans. It 's ruining my life. The XXXX is a sham. And the loan holders do n't give information, they do n't assist in any way. I have XXXX kids and a part time job so I can take care of them. Loan holders are asking for a ridiculous amount. I ca n't do it. And they wo n't help

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Buyer 's remorse. I ordered a phone from XXXX. When the phone arrived I could not receive a signal at my residence. I had not yet yet disconnected with XXXX which had 3 bars service where XXXX had no bars sitting side by side on my coffee table. I called customer service and tech support and after they could not help me get good service was told to return the phone. I returned the phones to them the next day as instructed. I have copies of both an email and letter from the company saying the phones were received in excellent condition and within 15 days. The law states if I 'm not satisfied with service for any reason I can return the phones. 
Since then I have received letters and called many times trying to fix what I have been told is a glitch in their system. I can not log into the XXXX side of my account. When I call them they tell me they 've fixed the problem. Then a credit agency is trying to collect so they can get money for phones they already have back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: ALL CREDIT AGENCIES CONTINUE TO REPORT BANKRUPTCY XXXX TIMES ON FILE AND NOT MY ACCOUNTS, ALL INFORMATION OUTDATED SINCE 2005 AND ALL AGENCIES VIOLATES FCRA PROVISION XXXX, XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax and provided them my police report, my drivers license, copy of a bill, and social security card and made them aware that multiple inquiries appeared on my credit report as a result of identity theft. I have asked them to investigate the matter in accordance with the FRCA, but they have refused to do so. I have asked multiple times in writing that the fraudulent inquires be removed from my credit report, and Equifax refuses to do so. The following inquiries are fraudulent. 

XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) These are not my inquiries and were initiated as a result of identity theft and should be blocked from my credit file since they are not mine and therefor not a true and accurate record of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a Medical creditor 's validation letter to Central Financial Control. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with XXXX Central Financial Control. This was an Medical Bill and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Health Insurance Portability & Accountability Act XXXX Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Central Financial Control. In this case the debt should be removed from my credit report and out of the office of Central Financial Control because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

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 03-01-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting ( XXXX ) Federal Tax Liens in the Public Record Section of my file. I have disputed the accounts as not belonging to me. I asked Equifax how they verified information and I was told that they confirmed or verified with the XXXX County Courthouse in XXXX. I called the XXXX County Courthouse and I was told by a clerk named XXXX that there was no record of Equifax contacting or speaking with anyone from the courthouse concerning verification of these alleged liens. I then contacted XXXX XXXX to request my file and XXXX XXXX reports show no tax liens on my file. My complaint is that is it that Equifax is verifying this information when the courthouse or XXXX XXXX show the contrary. I am requesting Equifax to delete these harmful and injurious notations on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (I do not know) with Stuart-Lippman and Associates, Inc (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I starting seeing this debt o n my report. From time to time I request to have it removed and it is then it shows up again on another credit report for similar amounts ( {$1900.00} or {$1900.00} ) but all from    XXXX    XXXX   ( d ebt collector ) -- telephone number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Customer service / Customer relations

Complaint: I applied for a Chase Sapphire Reserve credit card in a Chase branch. However, the banker submitted an application for a Sapphire Preferred tier card instead. Additionally, I have ended up with several Chase credit cards but I only wish to carry XXXX so I would like Chase to 1 ) fix the Sapphire error by replacing my Preferred card with the Reserve card I applied for and 2 ) move the credit limit of all my Chase credit card accounts to the reserve card and close all other accounts but 3 ) before consolidating credit lines and closing accounts, please confirm that I will not lose any reward points accumulated on those accounts ... .in other words, since I will keep a reserve card active, all my existing points will stay as-is.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX recently announced an unprecedented data breach, which included my data. 

Name, Address, Drivers License, and other data was taken. 

XXXX has not given- a ) me any confidence that they can protect my data b ) me an explanation for the breech c ) any confidence in their published remediation plans d ) any confidence that their executives take this seriously, based on their minimal support for impacted customers e ) me the ability to order them to delete my data so that they ca n't have it be breeched

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 05/27/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage compnay is handling escrow account inappropriately i requested the escrow analysis, but they do not provide the information properly. Also, i wrote a letter to request to close PMI, but they would n't close PMI in escrow. I called numerous times about this matter, but they would n't close it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Navient hired XXXX XXXX XXXX XXXX to collect on a private student loan. XXXX had previously stated in a Consumer Financial Protection Bureau complaint that I had filed that they do not save credit card information. Their statement was false and deceitful because I went online today to make a payment XXXX online payment website and they had XXXX different credit cards saved under my name and account information. XXXX is intentionally misrepresenting that they do not save credit card information when in fact they do save credit card information as is shown in the attached .jpg file which I screenshoted to show that XXXX does save credit card information even though they had previously stated in a prior CFPB complaint that they do not save credit card information. XXXX is engaging in deceitful debt collection and misrepresenting their business practices which is a flagrant violation of the Fair Debt Collection Practices Act. XXXX lied when they previously stated in a prior CFPB complaint that they did not save credit card information which was a flagrant lie and I have proof that they lied to me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with National Enterprise Systems, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There was an issue with amounts owed to the bank and communication - Once there was a communication I paid off the debt. This company wont listen and they wont stop calling.

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 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Upon seeking financing for a car purchase, was approved by some banks but denied by others due to credit report from XXXX. XXXX  and XXXX  scores are XXXX ... XXXX  score is XXXX. Calling XXXX was of no use ... no one could answer questions about how scores were determined or provide assistance for resolution. Online research indicates this company is relatively new and has questionable practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Please remove the medical bill showing XXXX on my credit report. I agreed to pay the payment schedule and was paying then they stopped and I tried calling and they sent it to collections. Also there is XXXX on there as well and that account was agreed to be closed by original apartment complex because I moved out a month early because they had n't fixed AC in over 3 weeks. Breaching there own contract. I paid my last month and they agreed that was enough. Now it shows I have housing debt. This is not good I ca n't even find a apartment to live in when this was not even my fault! This is a crime. Please help!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My loan is not escrowed. I pay for my own taxes and insurance. I also have an adequate insurance coverage amount and type for my loan amount. I also timely pay my property taxes. I have provided proof of adequate coverage to Bank of America repeatedly and consistently since the beginning of my loan. Despite this, Bank of America is continually adding money to my principal and interest amount as " escrow. '' As this is not part of my loan I do not pay this amount and Bank of America then classifies my payment as late generating late fees. I pay the contractually required amount, have adequate insurance and pay my taxes and insurance on time. I do not know what I am being charged for that is an escrowed item as there are no escrows on this loan account. I have confirmed with Bank of America repeatedly that the insurance amount is proper. 
I have XXXX fire/dwelling policies and XXXX flood policies covering this property. The property has a front and a rear building which and each building is insured separately. 
I have a total XXXX XXXX and XXXX XXXX dollars in fire coverage and a total of XXXX XXXX and XXXX XXXX XXXX in flood insurance. On the front building my fire coverage is {$250000.00} with {$120000.00} in flood. On the rear building I have {$140000.00} in fire and {$140000.00} in flood insurance. Bank of America spoke with my agent and approved the amounts of all insurance in several phone calls. 
Despite repeated assurances of adequate coverage, Bank of America has not charged with force gap coverage for a policy which costs an additional {$3000.00} per year even though the underlying insurance only costs {$1300.00} dollars, and once again, after expressly approving the amounts selected with my insurance agent on multiple occasions. I and my insurance agent have been calling every six weeks or so. This past time we called Bank of America could not provide and explanation as to why due to " system issues '' ( XXXX XXXX ). We were told that Bank of America could not explain why the force placed coverage can not be removed and refused to provide any further answers. 
XXXX manager XXXX ID XXXX, stated that the issue was because they did n't have declarations pages for " prior years ''. This is the first time that anyone has stated they were missing declarations pages. Bank of America has charged me various amounts over the past several months in violation of our loan agreement and seemingly arbitrarily.

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 05-08-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: They denied me I sent many complaint cfpb does n't care if I become home les s u n eed to be more sgressiev e Wachovia is a  reason for my loan this loan was trouble since  2007  the invester for this loan should held accountable he sticked this fraud loan to me and now his having a good life and I have to suffer forgive this loan I have a  XXXX  husband I have enough to deal with loosing my home is a death 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