milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Credit card () with DISCOVER BANK (NY).
Issue: Payoff process

Complaint: previous Case number : XXXX I would like to re-address this complain because the law firm XXXX has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the Civil Court of XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from XXXX regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because XXXX have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from discover. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact XXXX to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact New York District attorney and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with XXXX in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed a credit inquiry on my XXXX credit report that i do not recognize and did not authorize i have tried to contact ford motor credit to resolve this and they have not been helpful

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: APR or interest rate

Complaint: Chase upped our interest rate to 27.9 %. Despite calls to several people and despite many years as a customer and despite the current market interest rates, they refuse to lower the rate. We have had several times where we were late but we have always paid the minimum payment and many times more that the minimum balance. This interest rate is predatory for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove XXXX account from my credit file that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with A.R.M. Solutions, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not order newspaper delivery ( XXXX XXXX XXXX XXXX and I 'm being charged for it

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 03-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I attended XXXX College in XXXX Ky, XXXX XXXX ( Closed Now ). I started in XX/XX/XXXX through XX/XX/XXXX. I have already signed up for lawsuit against XXXX College through the Attorney Generals office. They told me to contact your office ... 
After spending 2 years to receive my XXXX Degree in XXXX at XXXX College an after attempting to pass the Certification Test that you must pass to get a job and costing XXXX to do so i did n't pass how amazing considering that XXXX admitted to having teachers teach that where incompetent. My degree is worthless I have lost 2 years of my life for absolutely nothing. My loans are with Navient, Navient sent me a letter XX/XX/XXXX to inform me that I may be eligible for a discharge because XXXX is closed. I sent them all the paperwork I had explained to them how XXXX treated their students, how I did n't think i should have to pay a loan off when the school admitted to having teachers that where incompetent how, XXXX would have XXXX separate classes in XXXX room, i did my internship filing for a company for 90 hrs, never once did any billing or coding, they did n't care, they would keep your money so you would have to buy their books i was lucky enough to be able to rent mine and you would have to ask for your check daily, they tried to make us pay a fee called tuition options an if you did n't pay they would threaten you with having to drop out of school i personally spoke with XXXX XXXX, president of XXXX, about this fee I told him it was illegal what he was doing and I was never contacted again about this so called tuition options fee. And a lot of people paid this not knowing the truth. On XX/XX/XXXX I received an email from a teacher at XXXX letting me know they had extra training classes if I wanted to attend, yeah they could n't teach me right the first time I was n't stupid enough to go back, I figure they offered these because they knew what they had done.. Also they charged me (. cash only ) to test out of a computer class instead of using my loan money. XXXX is horrible and they should have to pay the government back and myself an other student loans should be discharged. Its disgraceful why would the government keep giving money to a school that was being sued??? My XXXX teacher talked about her personal life more then taught. Accounting teacher had her back to our class 95 % of the time..Needless to say Navient denied my discharge due to school closing after lawsuits because of some 120 day period. I hope you can help us all ... I am not in collections or behind on payments as of now. Naient told me i dont have to start paying until XX/XX/XXXX..Hopefully I wont have to

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: We got a little behind on our mortgage while under a Chapt XXXX bankruptcy, we missed some payments leading up the Mortgage Company contacting our attorney to file a default. The attorney contacted them and they stated on or around XXXX XXXX that we would have to make a {$6500.00} cashiers check payment to them in order to bring our account current. We scrounged around and sold some things to get the money and mailed it to Loancare overnight on XXXX/XXXX/XXXX. Ever since that date, I have made all my monthly mortgage payments to them. After the chapt. XXXX was discharged on XXXX XXXX, they all of a sudden are stating that we missed XXXX XXXX payment. I clearly show it being paid on the attached word document in XXXX XXXX. I have called them and they said to give them a years worth of proof that I have made all my payments from the XXXX XXXX til XXXX. Again that is attached to what I sent them ( 2 TIMES ) with no response. They are currently reporting fraudulent statements on my credit report that according to my records is false. They are also sending threatening letters stating that we are 2 months behind everytime I do n't make my payment on the XXXX. I have a 15 day grace period on my original loan documents and if I pay it on XX/XX/XXXX, should NOT be assessed any late fees. I am paid on the XXXX of every month and that is the check I use to make my mortgage payments. I have a QWR under RESPA guidelines all typed up that I can mail them in case they do n't respond. Just email me and I will send CFPB and LOANCARE certified copies Priority Overnight. Hopefully you can assist in this and bring a closure to this on going battle I am having. Threatening phone calls and letters can provide a very stressful environment to myself and my family.

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 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: bank restricting cash payment for credit card My nurses aid assists me by doing my errands. One errand is to go to Chase Bank and make a payment for my credit card. I am not allowed to have a bank account by the local DSS ( that provides me with SNAP and MEDICAID. ) Thus my payments are cash. Chase will not accept cash from anyone except me, the cardholder. I explained my physical limitations and why my aid is there with my payments. Chase would not listen.
Why is the bank allowed to discriminate? Cash is cash. They try to offer an explanation about money laundering ( the Federal guidelines allow up to {$2400.00} as not money laundering ) Do I need to start legal action?

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (I do not know) with Global Credit & Collection Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this been going on for some time, MO AG office resolve this, as the debt not mine back 2012

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In 2003, we got an FHA loan through Well Fargo Home Mortgage. The payments then were supposed to be fixed at about {$350.00} a month. Through the years, they have raised our payment to almost {$600.00} a month. We have gotten several loan Modifications on our mortgage to try and bring the payments down. My wife and I are both XXXX and on a fixed income so two years ago, so we got a form from a Texas State agency so that we would be exempt from paying school and property taxes but, Well Fargo refused to accept the form, and still made us have to pay taxes. Then later on, we had storm damage on the roof of our home, and was given an insurance check to make the repairs but, Well Fargo waited almost a year, before they signed the insurance check, to make the repairs, By then the damage had gotten worse because of the delay so the roof was not properly repaired. 
Then later on we decided to try and list the house for sale and we had a realtor sign out in front of our home, Wells Fargo came by and saw the sign and told us to " REMOVE THE SIGN '' or they would foreclose on us. Our purchase price was around {$65000.00} and now, XXXX years later, we still owe almost {$55000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complain because XXXX has ignored my request to provide me with the documents that their company has on file that was used yo verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank You

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 02/17/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have filed for an income based payment program for my student loans through Nelnet every year since graduating in 2010. I have had issues with the associates giving incorrect information or offering no information or assistance. I 've had to file a deferment for 30 days every year because they claim my paperwork was n't sent in time forcing me to accrue interest on a loan I now will never be able to pay back. I have been unemployed for almost 2 years and can never get factual information or help for these loans. Im on the verge of defaulting because I do n't trust Nelnet or it 's associates. Even after filing a report with the Better Business Bureau, they have failed to reach out and assist me in answering questions I have about this loan I do n't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX has not sent my request of a signed validated copy of my signature for the debt they say I owe ... I have sent several letters asking for any documentation with my signature and snd they continue to report to the credit bureaus in a fraudulent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Mortgage) with Ditech Financial LLC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Cease and decisist violation is XXXX issue along with a refusal to consider important aspects of my situation. 
In mid 2009, when I was still current on my loans, XXXX XXXX and the associated financial problems forced me to request the lender to restructiure my with XXXX Bank. This was a proactive request made in anticipation of future buget problems. There has never been a response to this request for restructuring the loan. In spite of sending the letter by Certified Mail, First Clss mail and FAX, I never received a reply. XXXX months latter I sent a follow up to those lender. I have never received a reply and the home went into foreclosure. Because my XXXX demands that I live in a single story home it had been my intent to move into this home. Now, because of the foreclosure I lost both this property, my credit rating and have been forced to spend more than {$35000.00} in construction costs to make it possible for me to live in my XXXX story home. I ca n't go upstairs and, because of my ruined credit rating it would have been very difficult to get a new mortgage. 

The XXXX reported that XXXX XXXX XXXX Solutions purchased XXXX XXXX loans for XXXX cents on the dollar. In response to the aggressive regotiations and harassment by XXXX XXXX when attempting to force me to settle, I seved by cerified mail a Cease and Desist Order. 

Presumably my loan and file were then sold on at another discount to Green Tree Services. Again after negotiating in good faith I had to point out that a cease and desist demand is in my file. They have never provided documentation to show that they actually owned my loan. As a remedy to their refusal to acknowledge the fact that I had been financialy damaged I urged them to have the matter heard by a judge. They refused and XXXX XXXX said 'That would never happen '.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: American Express Serve has t heir call center in the  XXXX . I filed disputes two months ago for  XXXX  charges. The representative apparently forgot to do it? Called back three weeks later to get a status and they said it was not even disputed! So I started the dispute process ( FOR  XXXX  UNAUTHORIZED CHARGES FROM THE SAME COMPANY THAT I CATEGORIZED FOR THE INCOMPETENT PERSONAL ), again waited anothe r two weeks. Three  days ago  XXXX  other charges were finally provisionally credited. BUT THEY FOR GOT  XXXX  OF THEM! They are making me waiting again so since  XXXX   XXXX ,2017 and it is  XXXX   XXXX ,  2017 . Do n't they have a limit  of 30 -45 day s were they and LEGALLY HOLD CONSUMERS OWN MONEY? I have had it with Fraudulent banks that went from mortgage fraud to insufficient funds charging fraud, to fake account opening fraud. Nobody did anything about that. Also. they purposely hire the worst people for customer service.  Poor  people that present a language barrier and they wonder why there is identity theft ... Needless to say this is another one of my rants that you will do nothing about. your pretty much thee same as them LAZY.. this is just an email forwarding middle man site to pay a bunch of more worthless salaries, while there are actually real smart people that work with pride and are jobless getting hung up on by uneducated low-income accepting incompetent workers. So t o American Express,  not that you give a blank about anything but holding poor peoples money. Your customer service is horrible THERE IS NOTHING EITHER AMERICAN OR EXPRESS THAT YOU PORTRAIT. HAVE FUN EATING CHIPS AND SODA AND HANGING UP ON PEOPLE.     CFPB, NO NEED FOR A RESPONSE, SINCE YOU HAVENT DONE A  XXXX   XXXX  THING ABOUT ANY OF THE COMPLAINTS. I WOULD KEEP IT PROFESSIONAL, ONLY IF I WAS DEALING WITH PROFESSIONALS.     TAKE SOME COURSES ALL OF YOU AND BOOST UP CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Mortgage) with CIT BANK, NATIONAL ASSOCIATION (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Was trying to get approved for home loan. Was turned down because Cit Bank NA reported on XXXX late payments and a foreclosure on my credit report after i filed chapter XXXX and never reaffirmed from advice of Bankruptcy Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have filed a request with Equifax multiple times with respect to the removal of a Chapter XXXX Bankruptcy from my record. XXXX and XXXX have already removed the item. However, despite my repeated efforts, Equifax continues to issue a investigative response that is irrelevant to the basis of my dispute and request. It is my position that, for whatever reason, Equifax ( i ) is not reading the specifics of my dispute and ( ii ) is improperly servicing my account, and I am suffering irreparable damage as a result. Indeed, they are incorrect for not XXXX but XXXX reasons ( i ) it is my understanding that, while this type of item may legally remain on my credit report for up to 10 years, it is typically removed after XXXX and ( ii ) I DID NOT actually go through with the bankruptcy. The item in question was dismissed by the court on XXXX XXXX, 2007 BECAUSE I did not proceed with the bankruptcy after filing the initial paperwork. As I have explained to, and provided documentation of to, Equifax on multiple occasions, after filing for Chapter XXXX Bankruptcy, I sought the advice of legal counsel who explained that ( i ) I did not need to file and ( ii ) a Chapter XXXX Bankruptcy was not the appropriate mechanism to address my concerns and was unwarranted. I, thereafter, decided NOT to proceed with the bankruptcy, and it was dismissed, meaning that ( i ) my creditors were NEVER notified, NO workout was arranged, NO discharge of any debts was applied and ( ii ) that I continued to service my bills. 

Equifax continues to issue me a response letter with their investigative findings simply stating that they have reviewed the information and confirmed that it was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is the continuation of efforts of the credit reporting agency to increase profits, regardless of verification of item, to ensure that they can continue to evade the required verification, they restrict disputes through their website or other means, while maintaining inaccurate information. The social security administration in 2005 found that they issued the same information and social security number to XXXX liked named information, in such, per the name changed for the record, and thru the SSA, my name is XXXX XXXX. Experian still regardless of the fact that the name listed on my credit report to my social security number, still maintains the inaccurate information, and thereby maintains and lists information on my credit report from the inaccurate person. In their response to dispute they inform that the verification is their paying corporations, and that whether actual verification of not to the true identity, their paying corporations are superior to factual verification. I herein state that if they remove the inaccurate, names that appear to my credit profile, then all the inaccurate credit entries, inaccurate inquiries associated with those names, then all of my credit disputes would be satisfied. Experian avoids compliance by denying consumers the right to dispute, which inofitself violates the standards of fair and accurate reporting. I herein request that they remove all names that do n't verify with my assigned social security number, and all inquiries that are n't associated with my actual name and identity based upon the issued and assigned social security number.

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