milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage payments were 4 months late as XXXX us were unemployed. We called Chase bank who holds the mortgage, and they told us that " if we pay {$10000.00} XX/XX/XXXX, we can then resume monthly payment ''. I made the representative repeat that statement at the end of the call. The call was on XXXX XXXX 2015, When we called back to pay ( well prior to XXXX XXXX ), Chase refused our payment and told us they were starting foreclosure proceedings. We reminded them of the fact that they confirmed multiple times on XXXX XXXX that if we paid {$10000.00} XX/XX/XXXX, that we could resume regular payments. The representative said we needed to call Escalations which we did. Escalations took several days to find the tape of the the call ( we provided the call date ), and Chase claimed that NO DATES we discussed on the call! This is is a complete fabrication. If you can not help us we will have to get an attorney to subpoena the tape as they are lying.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have spoke with different reps at Equifax in the month o f "  XX/XX/XXXX '' and given different confirmation numbers along with documentation in the mail stating the y have removed a incorrect address that I have never lived at which is "  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX  ''. This address keeps appearing on my credit report when Equifax states the address has been removed. I pulled my credit file today   XXXX - XXXX -2017  and address is still listed on my report. I have no credit history linked to that address. Equifax is the only  Bureau t hat lists this incorrect address.  <P/> Confirmation numbers advising address was removed are  XXXX   XXXX   XXXX   XXXX  PLEASE REMOVE ADDRESS I NEVER LIVED THEIR.  <P/>  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been continuing to get harassing phone calls from Portfolio Recovery Associates. I do not owe them any money. It seems like they have purchased an old debt. I have not taken on any debt in over 10 years, and so anything they would be attempting to collect would be very old, from more than 10 years ago, and way beyond any statute of limitations. 

Each time they call, I tell them not to call my number any more. Recently, I told a XXXX XXXX that he and his company were no longer to call me when he called me on XXXX/XXXX/2015 at XXXX XXXX. 

Since then, I have received threatening telephone calls, in which the caller has refused to identify the company behind the call. These recorded calls have come multiple times a day at times, and have been very threatening against me by saying a complaint has been filed against me, and that I was going to be arrested. It is always the same woman 's voice on the recording, and it sounds like she is reading the threat off of a piece of paper. This has happened at times on an almost daily basis. I believe that Portfolio Recovery Associates is behind those calls also, because no one else has been trying to collect anything from me, but since it is a recording and they do not identify themselves, I can not prove it is from them. 

Now, today, XXXX/XXXX/2015, I just received another call from a representative of Portfolio Recovery Associates, at about XXXX or so. He did identify the company this time. He was very aggressive and demanding in his tone. This is after I have told them repeatedly never to call me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: On X/X/17 I disputed with the credit bureau Equifax information on my report that was incorrect. The inquires that I disputed were not authorized by me and I wanted them off of my report. Inquires disputed were ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). Equifax failed to remove the negative inquires that were on my report stating they were authorized. I contacted the original creditors listed but they failed to assist me and one of which is shut down ( XXXX XXXX XXXX ) do to fraudulent activity I could not contact. These inquires are hurting my report and I need them removed. I have a Fraud Alert placed on my report because of companies like these appearing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days pat due as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: XXXX, Equifax and XXXX credit reporting agencies. I co-signed for a loan in XX/XX/XXXX. for XXXX XXXX The car repossessed in XX/XX/XXXX I contacted XXXX and made an agreement with them to make one large settlement payment of which I did. They agreed to report to the agencies that the account was settled on my end of the loan and they have done so in which they have several times. I have written to all 3 bureaus numerous times with copies showing that I settled the account. It is removed from my report and when my credit report is pulled it pops back up showing I am behind payments and still owe over $ 7K ... XXXX has been very helpful and has sent it to all 3 credit bureaus numerous times since XX/XX/XXXX. My scores are in the XXXX 's because they keep reporting I am behind more than 90 days and still owe XXXX, I am at a loss as to what to do. I can not get to them to remove this this mistake off of my credit bureau. I have been trying for almost 3 years. I have attached the letters from XXXX showing I do not owe them anything. Please please help!

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Student loan (Private student loan) with KEYCORP (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: After speaking with multiple representatives from Key Bank and XXXX, I am still unsure as to the why I am no longer eligible for forbearance. I am told by the representatives that I have already exhausted my time in forbearance ; however they will not or can not explain the policy or law-basis for the time limit. Simply put, I would like to understand what the forbearance time limits are and what, if any, similar options are available. 
I finished my degree on XXXX XXXX, XXXX. As such, I do not have the financial resources to pay the required amount owed. So, in an effort to determine and understand my forbearance options, I contacted both XXXX and Key Bank multiple times. My most recent attempt was a call on XXXX XXXX, XXXX which resulted in an attempted transfer to a manager by the representative, which resulted in 30-plus minute hold and then a call disconnect. 
Because, after multiple requests, I have not received an explanation as to the basis for the exhausted time allotted for forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with cash advance

Complaint: I tired to apply for a loan which required me to log in into my account to receive the money but I was blocked

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: IN XXXX 2017 I FILED A DISPUTE WITH THE 3 CREDIT REPORTING AGENCIES REGARDING AN ERROR ON A WELLS FARGO MORTGAGE PAYMENT STATUS. I RECEIVED A NOTIFICATION YESTERDAY FROM XXXX THAT AS A RESULT OF MY DISPUTE THE ENTIRE ACCOUNT HAS BEEN REMOVED FROM MY CREDIT FILE. THE ACCOUNT IS OPEN, IN GOOD STANDING AND HAS A BALANCE OF OVER $ 30K. I DONT KNOW HOW MY DISPUTING A LATE PAYMENT STATUS WOULD RESULT IN THIS ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. EACH TIME I TRY TO DISPUTE THIS ITEM, IT HAS IMPACTED MY CREDIT SCORE NEGATIVELY. THE PREVIOUS DISPUTE DROPPED MY CREDIT SCORE BY 48 POINTS, AS THE ONLY CHANGES AT THAT TIME WERE THAT I PAID ANOTHER ACCT IN FULL AND MY CREDIT LIMIT WAS RAISED BY ANOTHER CREDITOR.

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 03/15/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello, I was making a large purchase at Home Depot to remodel my home the Home Depot representative suggested I open a Project Loan Card to pay for all the materials up front to avoid issues with inventory material availability. I informed the store representative that I was not interested in being charged heavy interest charges and was informed that I would only be charged a fixed low flat rate for the entire balance and period of use. I agreed and filled out the application. This took a few hours and the store was closing once complete I was being checked out with my purchase items and was informed I did not have enough credit limit to cover all the cost. This is when the store representative told me they could also open another account ( Home Depot Store Card ) to cover the rest of the balance again I informed the representative that I did not want to be charged unnecessary interest charges and was quickly interrupted by the store representative that I would not have to pay any interest for the first 24 months because I was a new customer opening an account. Believing this was a good deal and not being informed of any other stipulations ; I agreed and my account was opened and I was provided no other documentation on the account details. Without my knowledge I was charged retroactive interest for the original purchase balance. When I discovered this I requested these fraudulent charges be reversed and was informed that this was not possible due to the amount of time passing even though the charge was fraudulent. The customer service representative did not submit my request for fraudulent activity and no investigation by the Home Depot Fraud department was executed.

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 04/30/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacted by mail from Midland Funding , Inc XX/XX/XXXX concerning a debt I owed to XXXX XXXX. I only had a {$400.00} limit. We ran into difficultys making the payments. But husband went on XXXX of that year. My husband did try to make payments on line but they would only accept the max. Last payement was XX/XX/XXXX. Not sure of this payment my husband may have made it over the phone to XXXX XXXX collection. Midland harrassed us with repeated phone calls at least XXXX times a day. I did send a letter to cese. The calls did stop but then started by up at a later date. My husband is on XXXX now for 2 yrs. We have had many hardships at this time. Plus we are raising XXXX grandchildren a girl XXXXyrs. and a boy XXXX yrs. old. We have had them now since XXXX XXXX because of this we have had very hard times. We are good people but have not had it easy. I was sent a a Civil Action Hearing notice from our magistrate from a complaint from Midland to appear on XX/XX/XXXX. Which I did appear to defend myself. We could not afford a lawyer. I asked to see a copy of the oringinal copy of the assignment and it was just a copy of it and did not look that athentic. My feelings are I only had a {$400.00} limit. I feel I should not have to pay for $ 500s of interest. I did ask the lawyer if he could lower it and he said no. I did sign a form to make payments of $ 20s a month. But that is almost too much. I do not have an income and my husbands XXXX. And the cost of food alone is so high. My husband has had XXXX XXXX in 3 yrs. XXXX and XXXX. So it has not been easy. My stress lever alone has been high due to all this. I feel Midland is an unfair corportation to prey on good people who have run into financial difficulties beyond their control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XX/XX/XXXX, I applied for credit and to my surprise I had a numerous amounts of accounts from XXXX company. I contacted them on XX/XX/XXXX in reference to these accounts that were on my credit file and communicated to them that I had no knowledge of these and no communication from XXXX  in reference to the accounts. The agent then stated that they had no information on my account such as current address nor current telephone number. The operator then stated that they made several attempts to send a letter but it was a bad address and it was returned. Under the Fair Debt Credit Act at that point any information or accounts that they reported to my credit file were to be removed due to no communication from me and bad address with returned mail but that was not done. After that I given the agent my current information and requested for a validation letter with original contract with my signature, every notation, dates of service, dates and balances. She then stated that I needed to submit that in writing and so I did. In response to my request I did not receive original contract with my signature. The only thing that I have received from XXXX was a statement with original creditor, date of service, and balances. I have attached all correspondence from XXXX and myself. This has been an tremendous burden for me because these accounts are affecting me in an negative manner and are not valid because there is no way that I could have visited this original creditor that many times during that time and I do think that these accounts are fraudulent and that's why I requested a validation and original contract with signature for these accounts. In which was not done.

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 02/25/2017 about Debt collection (Medical) with Account Management Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notification on a credit monitoring site that I had a new collection. I went to obtain my free annual credit report to view the details of this alleged collection. I saw a creditor listed that was not a company I have had an account with in the past or present. They stated the original creditor was an XXXX XXXX XXXX. I have not received not XXXX statement regarding a current or past due bill from neither company. I have not received any voicemails from either of these companies. I would n't have even known this is being reported if I was n't using a monitoring service. I have not worked to maintain my credit in very good standings to have what is reported as a {$250.00} bill drag my credit score down. This company has n't done any verification or validation. My address and phone number has been the same for more than five years. Yet, I have not been sent not even XXXX bill, invoice, or statement. I am just automatically sent to collections without any type of notice that a bill ever existed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2018 about Debt collection (Federal student loan debt) with GREAT LAKES (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I placed a complaint a few months ago and that complaint went nowhere so I am here now sending in another complaint. I owe {$57000.00} to Great Lakes who took over the loan for XXXX XXXX. XXXX XXXX went bankrupt in XX/XX/XXXX. I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I feel that XXXX XXXX took advantage of not only me but to Great Lakes as well. It does not seem fair in any way that I should have to pay my loans to Great Lakes knowing that XXXX XXXX continued to provide education to me knowing they were in financial stress. I can't be the only person complaining about XXXX XXXX so I just hope this leads somewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Their are XXXX inquiries that I did n't authorize XXXX 's XXXX XXXX to put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was informed XXXX days ago by my future employer that I had an delinquent account totaling {$2000.00}. I called the leasing office where the debit was owed and was informed that it was for move out charges ( XXXX ) my former husband accumulated. I was no longer in the home as of XXXX. The leasing office XXXX had my contact information including email address. There was no attempt to notify me of the debit. I was just informed the day I called. The total charges were {$1800.00}. They referred me to collection agency IQ Data International. I spoke with XXXX who informed me that I could not make payments and that they would not send me any documentation that the loan exist. My only option was to pay the balance in full and if done in XXXX days it would be deleted from my record. She stated if i could not pay i would need to get a loan from a bank. She referred me to a local bank. The next day i called and decided to make payments and not take a loan out because of the state of my current credit score. I was transferred to XXXX again. On this day she stated my balance was now {$2000.00} that it accrues 7 % interest. She became furious when i told her i would not take out a loan and for her to send me documentation so that i can make payments. She then stated that i was refusing to pay the loan and finished stating some sort of disclosure. I asked to speak to manager she said he was at lunch. I hung up called back spoke to another associate who said she could not speak to me about the account but that that managers where on lunch but she provided me with his ext. The managers voice mail had no greeting of the agency or managers name. I left a message and have yet to receive a call. How can i be responsible for paying a debit that i was not informed of then when i reach out to the collection agency they are not providing me any documentation. Do I not have rights, am i just expected to send money to an agency i do not even is legit.

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