milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2016 about Credit card () with Conn's, Inc. (TX).
Issue: Customer service / Customer relations

Complaint: XX/XX/XXXX /XX/XX/2016 I purchased credit with Conn 's and obtained XXXX laptop. About XXXX months later I noticed keyboard key sticking. No food or liquids were ever spilled or near the said laptop. So I used a dust buster in early XX/XX/XXXX to possibly remove the problem. Did not help at all. They keyboard eventually went out and I had given prior notice to Conn 's and they gave me instructions on when to take my defective laptop into their XXXX @ XXXX location, where it had been purchased. So, about XX/XX/2016, I took in the laptop for repair. As time passed and no update, I started phoning Conn 's and was eventually informed that the part to repair was the delay. When I asked how long it would take no one knew. Another week passed and no one knew arrival of part. Third week, I demanded to speak to repair XXXX but he would never answer his phones. Again, I contacted Conn 's and requested to speak to corporate office. Only then did I get the answer that it would be XX/XX/2016 before the part would be in. I have already been out of money in having to travel across town XXXX XXXX, Texas XXXX and use another laptop and then having to produce our weekly newsletter, providing ink and such. 
No expediting. XXXX hours before corporate will review my request. I need my data ( documents, videos and pictures ) and a new XXXX laptop immediately. 
XXXX the computer repairman called me this morning, XX/XX/2016 around XXXX a.m. Said part is taking too long and that a new laptop is being requested ; that I should pick up the defective laptop and take it to an XXXX repair shop and have my data transferred and then return defective laptop to him. No. I had requested a full credit. Then Conn 's presented a new laptop. However, it takes time -- too much time.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Army and Air Force Exchange Service (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX XXXX XXXX and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request

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 08/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a dispute on the DOB reported on the credit report of all XXXX credit bureaus. Only XXXX credit reporting bureau removed the incorrect information. XXXX and Transunion continue to report the incorrect DOB which is causing me financial hardships when applying for jobs. 

I have disputed the DOB and no answer was given expect that the XXXX reporting agencies - XXXX and TransUnion would continue to report the incorrect information. I have sent letters of request that the information be removed to no avail.

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 02/29/2016 about Mortgage (Conventional fixed mortgage) with LAKEVIEW LOAN SERVICING, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I received a letter in the mail dated XXXX XXXX, 2016, from XXXX Mortgage stating that the servicing of our mortgage had been " assigned, sold, or transferred to Lakeview Loan Servicing, LLC, '' and that we " will be receiving a letter with [ our ] new loan number and instructions for making [ our ] payments from the new servicer. '' We waited, as instructed in XXXX 's letter, for instructions and a new loan number from Lakeview Loan Servicing, LLC, but, it is now XXXX XXXX, and we have still not received a letter from the new servicer. I tried calling Lakeview Loan Servicing, LLC, twice this morning, but I ca n't reach anyone there. The second time I called, I was on hold for over thirty minutes and their phone system hung up on me. 

I tried to set up an account online on their website in order to create an automatic recurring payment, but I need my new loan number from them to do that, and I ca n't get my new loan number until they send me something in the mail or I can reach them by phone. It 's like they do n't want our money. 

We just want to make our payment on time. It is incredibly frustrating to wait and wait and never hear from our new servicing company, and then when we need to reach them, we ca n't even get them on the phone. It 's disappointing that, as consumers, we have no say in who services our mortgage, and we are stuck with any company our loan servicing is sold to, for up to 30 years, regardless of the new servicer 's customer service record, without our consent.

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 06-08-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax, XXXX, and XXXX are reporting an allegedly negative account from XXXX XXXX. This account appears in error. This account need be deleted immediately. I have no balance outstanding or owed to XXXX XXXX. I have contacted XXXX XXXX directly and initiated a dispute with all XXXX Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: did not authorize inquiry

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 01-03-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Struggling to pay mortgage

Complaint: J.P. Morgan Chase is foreclosing on my property with an assignment that has been robo-signed and conveyed fraudulently, and refused to restructure the mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: XXXX things are happening at TD Bank : First, they offer overdraft protection on checking accounts. They deliberately process transactions in an order that results in the highest fee. For example, if there is {$30.00} in a checking account, and a transaction for {$20.00} and XXXX for {$35.00} is put through. Regardless of which gets there first, they process the higher amount first and then the lower amount, creating XXXX overdraft fees. Also, they do not post overdraft fees at the time it occurs, but rather post it days later. So your online balance shows positive, but days later several overdraft fees are posted! And what you saw as a positive balance, really was not. I used the overdraft but have never had so many problems keeping my balance on the positive side!! And it 's the excessive number of overdraft fees that are being applied after the fact that is making it impossible. It took me a year to figure out why I was having so many struggles with my checking account. I am looking for a new bank. I realize that what they are doing may not be illegal, but it certainly is unethical. It is usury in disguise!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Credit Management ( MCM ) is attempting to collect a debt with a misrepresented amount. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ). MCM is also reporting inaccurate information on my credit reports which is in violation of the Fair Credit Reporting Act ( FCRA ). 

I have contacted MCM through the XXXX ( XXXX ) in an attempt to resolve this matter. MCM stated in the XXXX complaint, complaint ID XXXX, that they would stop reporting this account to the credit reporting agencies until additional information is acquired. Their exact words are : " While Midland Credit has acted appropriately and according to applicable law, it will inquire with the seller for additional information and documentation for the account. Once Midland Credit obtains the requested information, a response will be forwarded to XXXX XXXX through your office. The account will not be furnished to the XXXX major credit reporting agencies until Midland Credit is able to provide XXXX XXXX with further information. '' MCM has not provided this additional information to either the XXXX or myself and is still reporting the account to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (VT).
Issue: Problems caused by my funds being low

Complaint: Citizens bank deducted {$1300.00} from my joint checking account. When I called they told me it was for an account that was in overdraft since 2007. I have no recollection of this account and wanted proof that i opened it, they said to contact the branch for that. The branch where it supposedly was opened no longer has those records. I have never been notified about this account. I have a joint account and recently opened a business account at this very branch and NEVER has this " bad debt '' account been mentioned. When I spoke with the Branch Manager he could n't find the account in his system. Neither here nor there, they have violated Vermont 's Statue of Limitations. According to the Federal Reserves, Citizen Bank is is not federally regulated on deposit accounts and it automatically defaults to state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Debt collection (Other debt) with NAVY FEDERAL CREDIT UNION (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A law needs to be passed where the collections agencies supply invoices to consumers that are on payment plans. Debt collection agencies are taking advantage of consumers that are trying earnestly and honestly to respectfully pay what they owe. 

Is there a law in place where debt collection agencies, credit card companies, and banks should supply a consumer with an invoice monthly or at least quarterly as to what the interest is accruing on that payment plan? And most importantly when payment plans are established how are these companies able to take your payment and apply it all to the interest that is accruing since your payment plan payments are lower than the original contract or credit card payments. 

The payment should be going towards the debt itself or at least half of it should be applied the debt and half towards the interest. When no laws or terms are set in place as stated above the consumers are stuck with the dilemma of being taken advantage of and abused into paying way more than whats sent to collect. 

If a consumer defaulted on an account and couldnt pay, how in the world could they pay on a payment plan that is being charged monthly and or yearly interest and most importantly when they dont even know how that interest is being compounded if the agency or bank never sends you any receipts or invoices of payments received. The consumer doesnt know until he or she happen to call and inquire about the account balance. 

Why isnt the law carried over like with a regular loan or credit card account that sends monthly invoices so the consumer as to payments received, so they will know whats going on with the account? Debt collectors so send invoices of any kind unless requested and this is wrong. 

Debt payment plans/agreements of this kind are sure signs of being abused by price gaulging a consumers debt with unknown terms and how interest is being accrued. 

Why isnt there a law in place to protect consumers on this issue? We are being taken advantage of by debt collection firms, banks, and credit card agencies. A lot of the debt collections laws that are in place are cosmetic, protecting the surface. We need in depth laws put in place asap. 

Also see complaint # XXXX & XXXX, it was never resolved. Their response is not what the court drawn agreement says at all. NO NEED TO SEND TO NAVY FEDERAL, THIS IS A LEGAL, CFPB, AND OR FEDERAL TRADE COMMISSION ISSUE. I NEED LAW PROTECTING FACTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am bringing to your attention a matter that has significantly disrupted my life and caused me severe hardship. This collector reports continues to report an account on my credit report that should not be there. On   XXXX   XXXX  , 2017 I wrote to this company and had them served notification of my dispute by certified return receipt mail In the letter I asked that they produce my signature to show where I agreed to pay this alleged debt along with all other documents that I may have signed and agreed to. No such documents were produce and yet the company just kept on reporting the account on my credit report as a valid account despite my dispute to the credit bureaus. My legal counsel has advised me that this is a violation of Sec 809 of the Fair Debt Collection Practices Act that is enforceable in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 XXXX XXXX is still not reporting my mortgage payments. They have not reported payments from XX/XX/XXXX- XX/XX/XXXX. This information need to be updated. It is affecting my credit score. I was told they report payments monthly. But they are no reporting my payments monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have contacted American Express on numerous occasions to informed American Express representatives that Im a victim of identity theft and I never applied for an American Express credit card account. Yet, lAmerican Express continues to hold me liable for fraudulent transactions of {$12000.00} on American Express account ending in # : XXXX. I contacted my 2 U.S. Senators of Arizona. I got in contact with U.S. Senator XXXX XXXX and XXXX XXXX, and Senator XXXX and Senator XXXX called me back and informed me they will look into the matter for me, contact American Express and have American Express delete the fraudulent account, charges and my personal information from their database and possibly call senate hearings, because they have received similar complaints about American Express from other constituents in their district.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have sent TransUnion numerous of certified letters requiring them to verify my Chapter XXXX Bankruptcy. I have included copies of the original disputes, which lists in detail the type of verification requested. I understand that my bankruptcy remains on my public record, not my credit report. This Bankruptcy is a third party reporting, TransUnion was able to get my public information. Bankruptcy XXXX and credit bureaus are not affiliated in any manner and the court is unaware of their process and procedures for reporting or removal of information from a credit report. In addition, the XXXX Court does not report or verify information with credit bureaus. The credit bureaus have their own procedure for retrieving information from the public record of the XXXX Court and the court has no knowledge in this regards. I ask TransUnion to validate ( 3x 's ) with the United States XXXX and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. This unsatisfactory as proof that TransUnion is unable to provide me the documentation. TransUnion, have not complied with my right to have validation of my Chapter XXXX Bankruptcy, according to the standards of the FDCPA, and you not responding is hereby rejected as a validation of the Bankruptcy. You must remove the collection listing from my credit report, or I will be seeking a minimum of {$5000.00} in damages for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation.

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 01/13/2018 about Vehicle loan or lease (Lease) with FORD MOTOR CREDIT CO. (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: THE LONG AND SHORT OF THIS IS THAT XXXX XXXX XXXX IS DINGING ME FOR UNDER PAYING XXXX DOLLAR, IF YOULL LOOK AT ALL MY LEASE WITH FORD, IVE EITHER OVER PAY THE LEASE PAYMENT OR PAID EARLY, IT SO HAPPEN THAT I WAS A LITTLE SHORT ON FUNDS ONE MONTH SO I ALWAYS GO INTO MY BILL PAY ONLINE BANKING AND PAID WHAT THE BILL SAID, UNFORTUNATELY ONE MONTH I PAID I THINK IS WAS LIKE XXXX SO THE NEXT MONTH I WHEN ONLINE BANKING WENT DOWN MY LIST AND PAID AS I DID THE MONTH BEFORE, AND FORD MADE IT A POINT NOT TO CONTACT TILL THE 31 DAY TO SAY XXXX XXXX YOUR SHORT XXXX DOLLAR, WHEN I ASK WHY THEY DIDNT CALL ME THEY SAID WE DONT BOTHER OUR GREAT CUSTOMER, AND I SAID SO YOU WAITED TILL THE 31 FIRST DAY TO SAY AM XXXX DOLLAR SHORT SO YOU CAN DING MY CREDIT IF YOULL LOOK AT MY HISTORY YOULL SEE WHAT AM SAYING IS TRUE AND SHOULD BE CORRECTED THANK YOU FOR YOUR TIME

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (CA).
Issue: Trouble during payment process

Complaint: I called Us Bank XXXX XXXX. To cancel my escrow account for my taxes.. The escrow account was not required as put down {$90000.00} on a {$250000.00} purchase. 
After a long wait they said the cancellation was approved. I had already sent my payment of principal and interest payment. Us Bank has put my payment in suspense. I feel like they are trying to force me into foreclosure and including unwarranted late f

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 07/27/2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The information is incorrect for the following account & is being reported to XXXX, XXXX & XXXX Credit reports. 
SHELLPOINT MORTGAGE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (AP).
Issue: Loan modification,collection,foreclosure

Complaint: From my understanding that XXXX will not give extension until they get the approval from XXXX. The first had approval for XXXX was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor Greentree. 

This is disappointing. It starting to feel like a tug of war, if we don not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 

At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and active duty member is serving his country overseas and I have to tell him this disappointing news.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Never once be able to make any payment because they payments are to high thend try to set up forbearance and never received all the paper work that I needed

Company response to consumer: Closed with explanation