milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2017 about Consumer Loan (Installment loan) with NCB MANAGEMENT SERVICES INC (MI).
Issue: Problems when you are unable to pay

Complaint: Please note that I was rudely contacted as was my family by someone who would not give their name, fooled me into providing my personal information ( last 4 digits of my social security number ) and stated I have an account for an internet loan. I am XXXX years old. I did not take out an internet loan, and they will not stop harassing me by phone or my family members. I have requested a cease and desist, but they continue to call, make threats, wo n't provide any documentation, and over disclosure my personal details that they have.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Mortgage) with Seterus, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Mother passed away XX/XX/XXXX, Father assumed mortgage on home. He passed away XX/XX/XXXX, and his left his friend in the home. I was just made aware the house was still in my mothers name alone, and the person living in the house was not making payments. The house is up for foreclosure and I have tried to contact the mortgage company and they refuse to talk with me even though my brother and me are the only heirs to her estate. An estate was not open XX/XX/XXXX on her due to the fact our father was still alive. I 'm trying to get belonging out of the home and possible save it from foreclosure if they would talk with me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity got stolen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing on a mortgage

Complaint: Bank of America processed a  Loan Modificatio n in   XXXX   XXXX     with my ex husband  ( borrow er ) without notification to myself or my signature. There is no divorce decree or property division giving my ex husband sole decision making on the loan, yet BoA allowed for only him to be the decision maker on the loan mod. BoA processed the loan with only ex husband signature, stating him as " Borrower, '' but not myself. I attempted to have BoA remove me from the loan obligation as it was processed as fraud, and was declined. I am filing this complaint because of fraudulent financial practices to process the loan modification. It is a fraudulent practice to process loan mods quickly and not seeking the signature of all parties.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with (Former)Shapiro, Swertfeger & Hasty, LLP (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am in deep student loan debt, started a repayment and had good status. Moved from being in poverty in XXXX, Ca. and now XXXX put illegal amounts of loan added since then in XXXX 2014. Help me, I can not get any credit and need to see what is really owed, I do not trust them at all. Help, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 01/31/2017 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I received a letter from Chase about a CD that was up for renewal on XXXX/XXXX/2017. As the proposed rate for the renewal CD was only .02 %, I called the number on the letter to inform the bank that I wanted to non-renew and have the balance roll to checking. After getting through the awful automated phone system, I finally got to an agent. Following my explanation he informed me that I had to go to a branch to effect that transaction, despite the fact that the letter had included that phone number. I asked for a supervisor and he told me he was a manager. I still asked for his supervisor, so he put me on hold. 
When he came back on the line, he did not have a supervisor but said he had gotten " an exception '' to perform the transaction. Then he informed me that there would be a penalty. When I asked why in the world there would be a penalty, he said it was because I was calling before the ending date on the CD. When I explained that I wanted the transaction to occur on the end date ( two days from now ), not today, he told me I could not inform them in advance, but had to call on the specific ending day to avoid this penalty. 
I told him that he should be able to take the information and set the transaction up in advance, but he said he could not. Finally I told him to just finalize the transaction, as I 'd spent far too much time on this already. While the penalty was just a couple of dollars, I think this is outrageous. 
I am a Private Banking client at Chase, and so wonder what happens to customers who are not!

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with LendingUSA (FL).
Issue: Getting the loan

Complaint: Incorrect and misleading information provided to your organization- I was refused and they stated XXXX was the provider of the credit information who could not establish my identity! You have multiple filed reports one for XXXX and the others on the other three credit bureaus. Their reply- " LendingUSA has reviewed XXXX XXXX XXXX compliant and has concluded its investigation. Please see below for findings. 1 ) LendingUSA 's decisioning software was unable to pull XXXX XXXX 's credit based on there being a security freeze that XXXX XXXX placed ( see attachment XXXX- CR Redacted ). XXXX XXXX would need to remove the freeze in order for LendingUSA to have permission to access his credit report and make a credit decision. 2 ) LendingUSA has not retained nor is associated with XXXX XXXX. 3 ) Currently, LendingUSA only utilizes the services of XXXX  when pulling credit reports for credit decision purposes. '' I subsequently received a loan even with the security freeze on. By opinion they claim they provide " bad credit loans '' In my opinion a easy way to get rid of me. I call it misrepresentation!

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit card () with KEYCORP (CO).
Issue: Billing disputes

Complaint: KeyBank is charging a {$51.00} interest charge on purchases despite the balance being paid in full prior to the monthly due date. Their printed statement states, " Paying Interest : ... We will not charge you interest on Purchases if you pay your entire balanace by the Due Date each month. '' The monthly statement from XXXX/XXXX/16 to XXXX/XXXX/16 includes a previous balance of {$7200.00} along with payments and other credits of {$7200.00}. When customer service was called, the representative indicated that they would not refund interest charges and indicated that interest in incurred daily. When I disagreed and told her that was true unless the balance was paid in full, she hung up on me. I called back upset and spoke with another representative. She indicated that there was nothing that she could do other than create a ticket number to have my account reviewed. I indicated that I did not want a ticket number and wanted to be transferred directly to someone who could review my account as I had recently called about another issue 3 times with no call back when issued a ticket number. The representative could offer no help other than a promise to call me back ( which has been made before ) and could not provide any information why an interest charge was being applied. I have a ticket number for the request but am not confident that the issue will be resolved given their past performance of not calling me back. The representative could offer no resolve on my previous ticket number either so they are clearly not looking into the issue reported in XXXX 2016, giving me no reason to believe they will look into this one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I moved out of XXXX XXXX Apartments and spoke with the office manager. She stated I did n't owe anything. 3 months later, I got a letter stating that I owed an amount from them ( do n't have the letter ). I contacted them. Received an email stating that I owe {$570.00}, but was not notified via regular mail. Six months after, I received a letter from the collections agency stating that I owe {$870.00}. I have attached all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Checking or savings account (Other banking product or service) with U.S. BANCORP (IA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I closed my account with US Bank several years ago and now I can not open a bank account with any bank until I pay US Bank {$330.00}. I closed my account on good standing and this has only become a problem with other banks within the last year. They said that they can not tell me why I owe the money as it has been too far back ( 2014 ), but that I owe {$330.00} and the only way that they can remove the debt is for me to pay it in full.

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 09-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: Fall of XXXX, I applied and received XXXX Capital One credit cards. Less than a week after they arrived, I was contacted by Capital One to notify me of an internal breach and that new cards will be issued. The new cards were received and I began to use them for my XXXX businesses. XXXX XXXX, I was contacted by a collection agency asking for payment on a {$5000.00} loan taken out in my name in XXXX XXXX from XXXX. After a lengthy conversation with the collection agency personnel, I was told to go and file a police report and freeze my credit with the XXXX agencies to reduce the chance of this happening again. I went to the police department and filed a report and had my credit access frozen for 7 years. Shortly after, both Captial One credit cards were frozen and phone calls and letters were sent between a Capital One representative regarding this. I was asked to complete a form authorizing their auto-withdrawal of the current balance from my checking account on file, which was completed. When I asked when I would receive new cards, I was told that would occur later. The XXXX statements showed interest payments owed because Capital One did not take the auto payment out when the cards were frozen by Capital One. 1 ) I asked the interest be removed given it was Capital One who stopped the auto pay from the checking account. 2 ) I asked for new cards to be issued when Capital One decided to freeze my use even though I paid them off in full each month and never missed a payment and have over XXXX FICO score. I was told this evening by the Capital One representative that my accounts were set up as payment only and that I would need to re-apply for credit cards. I expressed my disappointment that Capital One and it appears it is doing this to be punitive for identifying Capital One as the point when my identity was stolen last fall XXXX in the police report. Since the Capital One internal breach someone has been trying to open numerous bank accounts throughout the country. It is not my doing that Capital One had customer data compromised by XXXX of its employees as was told to me by the first notification and announced in the business news.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX XXXX is not removing the Auto Loan Account which is 9 years and 3 months old. The vehicle was repossessed XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is XX/XX/XXXX 
I have disputed this account with all XXXX credit bureaus and the XXXX XXXX XXXX XXXX but they are refusing to delete this account.Please ask Equifax to delete this account ASAP.My cell phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Medical debt) with RevSolve, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have informed both Credit Reporting Agencies on XX/XX/XXXX of the inaccuracies and have asked them to have the Collection companies remove them from my report. I explained how I had medical insurance at the time and the insurance company paid 90 % of the bills. However, they refused to pay these smaller bills claiming I had secondary insurance ( which was inaccurate ) Now, out of the 2 I sent into XXXX regarding XXXX XXXX reporting have been addressed but only 1 was removed. 

Plus, my other complaint is by filing a complaint/request with XXXX they have lowered my score by over XXXX points. I do not understand as if anything my score should be going up as nothing negative has been added and 1 negative item was removed. 

XXXX XXXX XXXX ( Collections ) XX/XX/XXXX - {$3100.00} XXXXXX/XX/XXXX - {$510.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Trouble during payment process

Complaint: Loan was transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. New servicer stated it would take system 60 days to stabilize due to the influx of loans transferred from XXXX to Carrington throughXX/XX/XXXX. 
- Comments : Please research the discrepancy listed below. 

Issue : Fradualent, unfair business practice. Conflicting payment amount information listed through online payment portal compared to information available to customer service center system. 
Due to these deceptive practices I am now accessed additional late fees, in jeopardy of accelerated foreclosure proceeding which incur attorney fees and fees to examine property, detrimental erroneous credit reporting delinquency, and possible further court appearance by ex-husband to request the property be sold since it shows late payments. 
The hardship was incurred due to XXXX deceptive and fradualent practices. 
- Comments : Please research the discrepancy listed below. 

Issue : I attempted to pay my XX/XX/XXXX mortgage payment online. On each attempt, I was routed to contact customer service at XXXX. 

I spoke with customer service rep on XX/XX/XXXX. I was informed I was unable to pay online and had to contact via phone, because the account showed 3 months past due. XXXX did not see that any late fees for been accessed, yet could not explain why despite the system showing missed payments for XX/XX/XXXX. 

Action Requested : 1. ) I am disputing the information disclosed on todays call as 3 months behind, as I have attached documents obtained directly from Carrington Mortgage Services website from XX/XX/XXXX showing below which was paid : Next payment due : XX/XX/XXXX Total due : {$15.00} 2. ) Next, Ive also attached a copy of the escrow statement received by mail showing : BORROWER PAYMENT STARTING WITH THE PAYMENT DUE XX/XX/XXXX==> XXXX. 

Please advise on this discrepancy as this has dire financial implications leading to erroneous late fees, incorrect credit reporting, and improper foreclosure preceding.I attempted to pay my XX/XX/XXXX mortgage payment online. On each attempt, I was routed to contact customer service at XXXX..

I can not make payment by phone, because customer service says the system would not take 1 singe payment. I needed to make 2 payments since the account was behind. Next option was to pay thru XXXX XXXX..

Action Requested : 1. ) I am disputing the information disclosed on XX/XX/XXXX call as 3 months behind, as I have attached documents obtained directly from Carrington Mortgage Services website from XX/XX/XXXX showing below which was paid : Next payment due : XX/XX/XXXX Total due : {$15.00} 2. ) Next, Ive also attached a copy of the escrow statement received by mail showing.. 

BORROWER PAYMENT STARTING WITH THE PAYMENT DUE XX/XX/XXXX==> XXXX. 

Please advise on this discrepancy as this has dire financial implications leading to erroneous late fees, incorrect credit reporting, and improper foreclosure preceding.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/2017 I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 30 days and nothing has been resolved at this point. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed bankruptcy in 2014 and XXXX I ordered from are still on my credit report.

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have paid down these accounts :   XXXX   XXXX    XXXX   XXXX ,  XXXX  CREDIT CARD  XXXX ,  XXXX   XXXX   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 01/22/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: dept XXXX and in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting my XXXX personal loan and my XXXX Credit card as charged off accounts. These XXXX accounts should be included in my Chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Mortgage (FHA mortgage) with FIRST MORTGAGE CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home XXXX/XXXX/XXXX. The loan was with First Mortgage Corp. XXXX # XXXX. Approx. 
18mo later the company calls me to ask me for add documents because for some reason they can not insure my loan with FHA. I provide them with what they are asking for and then they have more Doc after that. We are good for 2years then I get a letter and mind you my loan is current not behind that because they can not insure my loan with FHA they are going to call the Note Due. They stopped accepting my payments and then Sold the company to XXXX XXXX with nothing for them to trail or refer to. I have not made payments since XX/XX/XXXX now and I still have not heard from anyone. 
I have no Notice of Default nor do I have a Notice to Sale. But I am not wanting to lose my home due to someone not answering my phone calls nor responding to me. I feel that I am being descrimin- ated against because I am a minority and I am in hopes and have been since XX/XX/XXXX trying to process a loan with another company but these 30 day lates are continuing to prevent me from having someone else help me get out of the current loan I am in. 
They will not remove these off my credit nor will they take payments from me, and are putting me in no other position but to sale or go into foreclosure. 
Please help me keep my home.

Company response to consumer: Untimely response