milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2015 about Consumer Loan (Vehicle loan) with Thrift Investment Corp. (NJ).
Issue: Managing the loan or lease

Complaint: In XXXX of 2009 I was down on my luck & had bad credit. Thrift Investment gave me a car loan & an astronomical rate ; with no chance of re-finance or early pay-off without a steep penalty. Unfortunately in XXXX of 2009 - I was in an accident and the car was deemed totalled by my insurance company. My insurance company paid them ; but per my insurance rep - they wanted the total payoff of the loan ; not the amount the car was worth retail. If memory serves I bought the car around XXXX ; with an astronomical interest rate for a total payoff of like {$9000.00} ( my numbers here can be wrong, since the paperwork & loan info for the car has been in storage ). My insurance paid them. But apparently not enough. They are claiming I owe them {$69.00}. I tried to call them to day to get information on why I owe them {$69.00} when the car was totalled 6 years ago & they got a hefty sum from my insurance company. The ONLY thing I got in return was verbally assaulted, asked how I could look at myself int he mirror and what the XXXX is wrong with me that I ca n't pay my bills and I was XXXX because I didnt pay my bills. I was never offered proof of this debt or anything. The only thing I received from them was a continual non-stop onslaught of verbal abuse throughout the entire telephone call. I was an still am deeply disturbed by the apparent lack of not only common courtesy but humanity by the representatives of this company. The lack of human decency by XXXX from Thrift Invesntment is something that no human being should EVER have to be subjected to. I was repeatedly called XXXX & asked how could I look at myself int he mirror knowing I dont pay my bills. I was not even given an opportunity to ask for proof of this debt, I was no t allowed a word in edgewise after my initial inquiry to provide my name & ss # - that is when the onslaught of personal attacks began & did not end until I was hung up on.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with Jersey Mortgage Company of New Jersey, Inc. (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was contacted by a mortgage broker representing XXXX XXXX XXXX XXXX. This is the same broker who I worked with to obtain my original mortgage and a subsequent re-financing for the same property. He called and told me rates were down and I could benefit from a refi. He requested my personal info to run a credit check and got back to me saying everything looked good. He then requested we do a refi on my primary home ( original conversation ) and also on my second home ( rental property ). I told him I would be interested only if it makes financial sense for me. He assured me it would and asked for {$1200.00}. to proceed with processing. I sent a lawyer the XXXX for transferring my mortgage from XXXX XXXX XXXX XXXX back to XXXX XXXX. ( XXXX XXXX was the original mortgage holder and XXXX XXXX XXXX obtained via refi ). Several months went by when I was contacted by a colleague of his with teh refi estaimates. They were completely ridiculous. They wanted me to refi and take out $ XXXX on rental property to pay down primary mtg to obtain a better rate. The costs were approaching $ XXXX and Imy combined mtg would decrease only {$170.00} per month. They also recommended I roll closing costs into my refi package. Hence, I incurred $ XXXX more debt and reduce my monthly payments {$170.00}. I told them I wasnt interested. We went back and forth for several months before they agreed to provide a new refi for only my original ( Primary ) home. This was attractive but it was n't making any progress. After months of calling them back and emailing and texting them I was told the underwriter has declined my application due to insufficient work history. I have been doing the same XXXX XXXX work for 20 years and qualified with same persons/entity for my original mortgage and refin. I also make more money than before and have more assets than before. I told tehm I want my {$1200.00} back and they said there 's one more option - I have to wait until XX/XX/XXXX to have sufficient work history. Interested rates went up twice since original rejection notice ( XX/XX/XXXX ). This XX/XX/XXXX I submitted updated documentation and was told yesterday I was denied again - same reason. I have been doing the same work for 20 years and teh broker know of the work before this process began and has worked with me before over the past 8 years. They were 100 % aware of my work history before they requested the {$1200.00}. I also believe they wanted to set me up with a bad and inappropriate re-fi agreement and when I rejected it they wanted out of the deal with me. Loan agreement is attached. Psswrd is XXXX. This in itself should constitute a violation of some consumer protection for inappropriate loans.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Mortgage (Other mortgage) with Trinity Financial Services, LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I had a 2nd mortgage that was forgiven in XXXX. Somehow Trinity got copies of my mortgage instrument which does not show any assignment to them. They first sent me a letter for approximately {$2000.00}. Then for each letter they sent me, they charged {$500.00} per letter. They finally attached to the title of my house. They just did this in XXXX. I had never heard from this company and they attached to my house for {$18000.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Bank is charging {$15.00} per month repeatedly including in XXXX of 2017 and months prior. When account was opened advised minimum balance of {$500.00} for account and now they are claiming, fraudulently, {$1500.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Approximately twice a month, Capital One mails credit card solicitations to my father at my mailing address. My father XXXX XXXX four years ago ( in XXXX  ) and never used the mailing address that Capital One is sending its junk mail to. 

After my father XXXX XXXX, I sent copies, via certified mail, of his XXXX XXXX to the three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Medical debt) with Credit Counsel, Inc. (NY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On  XXXX / XXXX / XXXX  at  XXXX    XXXX   I called a debt collector to request information on a letter I received from their company post marked  XXXX / XXXX / XXXX  on a {$270.00} bill. After I gave them my name and account number the male representative told me in an aggressive manner, " you hav e 24 hours to pay the bill ''. When I asked for information on the bill he repeated very aggressively again " pay the bill in 24 hours, do n't play with him or else ''. I repeatedly asked if his company could give me information on the bill in writing, he was not compliant but after another attempt to obtain information from his company he asked for my email address and then he hung up the phone while I was trying to talk to him. During the time I was requesting info on the bill he continued to speak over me very loudly, stating " I had 24 hour s to pay the bill so do n't play with him. '' I never raised my voice during the interaction nor gave him any form of rude communication. The entire experience left me physically and mentally distressed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A month ago I checked my credit report and on XXXX it was showing that I have a derogatory collection from XXXX for {$96.00} for a medical collection. I have never received a written collection notice or received any phone calls in attempt to collect the debt. Upon calling the company all 3 phone lines listed on there website are dead lines and numerous attempts on a 4th phone number listed on the internet for the company. The 4th phone number just directs me to a message saying no one is available. I do not know how to pay this debt and get it taken off my credit report if I can not get in contact with the company that holds the collection. I have been trying for months now to get ahold of the business now to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I bank with XXXX Bank, XXXX. They started giving you a totally free XXXX score 'from Experian '. In the past 4 years alone, I 've never had a XXXX score below XXXX to the best of my knowledge. I had a great XXXX just in XXXX of last year. Now for the past two months, my score is taking nosedives. I went to Experian, completed their form to get my credit report. There is nothing on that report that would indicate a reason for the score to drop so radically. So I contacted XXXX. They referred me to Experian telling me the score comes directly from them. A 20 minute conversation with Experian led me nowhere. The representative said I need to pay them to get my credit SCORE, THEN perhaps she MIGHT be able to assist me further. I asked how it is that XXXX gets that score every single month, but they do n't seem to have a record of that score at the very company giving it to XXXX. she then said XXXX must be using some other method to calculate the score. I called XXXX and inquired about that ; they told me the score comes directly from Experian. so no the XXXX companies are pointing fingers at each other while my credit score keeps going down. There has been NO changes to my financial situation except that I earn a little more and I owe a little less. No late payments, no revolving credit debt, just an auto loan that I pay promptly every single month without fail. Again ... nothing changed in the past the past several months, yet just in the past two months, I had a score of XXXX in XXXX and now its down to XXXX with NO REASON GIVEN despite my best efforts to resolve the situation. I find it deplorable that this company can just make these changes to my credit-worthiness without having to answer why. I am in excellent financial health and am extremely responsible with credit. There is no reason my score should be dropping if my situation is not changing, and there is NO reason on this Earth why they should not have to account for themselves to the people they are damaging with these 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 02-09-2017 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Advertising and marketing

Complaint: On XX/XX/2016 I purchased a laptop computer as a birthday present for my grandson from Amazon.com. There was a note on the page that 12 months interest free financing was available on the page with the laptop. I clicked the link and in very large type there was a promotion for 12 months interest free financing on an Amazon branded credit card. I applied for the card and made the purchase because of this offer. When my first bill arrived there was an interest charge and an annual percentage rate of 26.49 %. I called the bank and was referred back to Amazon. After speaking with numerous people at Amazon I was told that I did n't sign up for the offer of interest free financing at checkout. I never saw where this was necessary and they have refused to remove these outrageous finance charges. I feel that this is at best misrepresentation and at worst consumer fraud.

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 01/29/2016 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX has incorrect information reported on my credit report. High balance is not correct. I have asked XXXX XXXX for removal but she will not delete that tradeline. She told me the balance was {$1000.00} but I settled for {$500.00}. She tried to make a deal where if I paid the remaining {$500.00} that she would delete the tradeline. She does not understand the balance was incorrect so I was not able to comply with her terms. The account was serviced by a collection agency named XXXX XXXX. It was there that they told me that after payment ( settlement ) that my account would be deleted. However, the tradeline is still listed 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 08-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am requesting that Bank of Mellon provide an EIN number so I may access their invester status on the XXXX ). Bank of Mellon is foreclosing on my home under the trust ( XXXX, XXXX, XXXX, XXXX XXXX ) established by XXXX. Bank of Mellon was found guilty of foreclosing properties under these established CWALT trusts without having the signed deeds or ownership to the properties XXXX I would like Bank of Mellon to provide a copy of the deed of the property located at XXXX XXXX XXXX, XXXX CA XXXX. I do not believe Bank of Mellon ( XXXX, XXXX XXXX ) is the deed holder or has the right to foreclose. I back this statement up with short sale closing instructions provided by their loan servicer XXXX. The pay off instructions clearly state to wire proceeds of the short sale to a third party ( 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 explanation
Consumer complaint received 05/22/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company is reporting on all XXXX credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signature for each article of mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have an agreement in place with Portfolio Recovery Associates ( PRA ) to payoff my XXXX credit card with monthly electronic fund transfers from my personal checking account. I 've covered all monthly payments, as agreed, starting XX/XX/XXXX. In XX/XX/XXXX, notice the latency, I received a letter from PRA to " collect a debt '' and discuss payment options that I ignored because we already have an agreement in place with XXXX covered payments. PRA disclosed the debt to credit bureaus, according to PRA, to " report payments ''. Due this action, my credit score took a dive of XXXX points. PRA is unethical because they disclosed false information to the credit bureaus and tried to brainwash me explaining this was actually " helping me ''. PRA, explain to me why after XXXX payments, with no missing payments, you report the debt to the credit bureaus? After 3 years? How lame.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I co sign a private loan with Wells Fargo, I have paid over XXXX, XXXX towards the private student loan. Out of all the money i have paid I still owe more that what the initial loan was for. The loan was for XXXX and I owe XXXX. I have paid over XXXX. The loan was taking out XX/XX/XXXX. I started repayment XX/XX/XXXX. This is unfair to how much interest I 'm paying and nothing is being applied to the principle balance. They will not allow me to lower the interest rate after several attempts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello, I sent my payment in to Navient which was received on XXXX XXXX, 2017. I sent a letter with the payment, as I do every month, and specified which four loans were to be paid with the payment and stated that under no circumstances was any amount to be applied to any other loans. Instead, Navient applied the payment to five loans which are in default. This is in clear violation of my instructions and is also a blatant attempt to restart the clock on the statute of limitations for the five defaulted loans. This is illegal and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am requesting again the removal of said account below ; as per the furnisher who first reported this debt to you. Because you have FAIL to properly investigate this case, I have taken it upon myself to work with the furnisher and we have come to an agreement about this account which I am no longer the SUBJECT of nor did I own the account. You are reporting to the public that I owe a debt or owed a debt which is not true and I will take immediate legal/civil action if this is not removed from my account. 


Again, I have come to an agreement with the Furnisher and because we have found the account not belonging to me and is inaccurate, I am demanding for it to be removed from my credit file. 

I have attached the letter from the furnisher of this account. 

XXXX Card ( 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 10-12-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Previous complaint number XXXX. Filed XXXX XXXX, XXXX. The company has responded to the complaint the following : In response to your complaint, Portfolio Recovery XXXX, LLC ( XXXX XXXX investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. XXXX purchased the XXXX  XXXX Bank XXXX XXXX XXXX, XXXX. XXXX " XXXX XXXX '' ) XXXX account ending in XXXX on or about XXXX XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XXXX XXXX, XXXX, by XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$560.00} was due on the account at the time of XXXX XXXX purchase. XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. XXXX has received and responded to several disputes. In response to XXXX of your disputes, XXXX previously sent you the attached letter containing validation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Auto) with American Credit Acceptance, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My car payment was due XX/XX/XXXX, I 'm a little behind right now nothing major, three weeks, some unexpected issues came up.., but they started calling me XX/XX/XXXX ... They call everyday, all day long. Ive asked them repeadily to STOP calling my job, but they keep doing it ... And it 's at least three times a day ... The late payment is n't even considered a problem for my credit until XX/XX/XXXX!! Today it 's XX/XX/XXXX!!! 
I just want them to stop harassing me.

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 05/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX medical collection items date back at least XXXXfive years and may even be an illegal attempt to collect a bankruptcy debt, again. These VERY small debts {$20.00}, {$20.00}, & {$40.00} were paid directly with the creditor after appropriate corrections were made. Any outstanding debt is absurd since I 've paid, on a timely basis over {$10000.00} in other medical debts since 2011 alone.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit card () with U.S. BANCORP (CA).
Issue: Unsolicited issuance of credit card

Complaint: US Bank Opened and send me a credit card which I did not request or applied for

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 06-11-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Closing/Cancelling account

Complaint: I WENT TO USE MY CREDIT CARD AT SEARS AND THEY CUT THEM UP BELITTLING ME,. AFTER OVER 50 YEARS OF GOOD CREDIT THEY CUT EM UP IN FRONT OF ME BECAUSE I DIDNT USE THEM FOR A WHILE, PAID CASH. THAT IS HOW THEY TREAT A OLD VALUABLE CUSTOMER! I WILL NEVER SHOP ANY OF THEIR STORES OR AFFILIATES AGAIN.

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