milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: In accordance with the NCAP ( National Consumer Assistance Plan ) which was implemented to comply with CFPB ( Consumer Financial Protection Bureau ) consent order ( In the Matter of : Equifax Inc. and XXXX XXXX XXXX XXXX ADMINISTRATIVE PROCEEDING File No. XXXX ) ; the minimum reporting requirements stipulate that data furnishers ( i.e., XXXX ) must report the following identifying information : Full name ( First Name, Middle Name or Middle Initial ( if available ), Last Name and Generation Code/ Suffix ), Address, Full Social Security Number, and Date of Birth ( mmddyyyy ) in association with a tax lien. If any of the above identifying information is missing in association with said tax lien it must be excluded from the consumers credit file. Equifax shall adhere to the new reporting standards outlined in the NCAP ( National Consumer Assistance Plan ) and remove tax lien case number XXXX from the consumers credit file effective immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Trouble during payment process

Complaint: I am 'continually ' being harrassed by the following phone no. :  XXXX   XXXX  , 2017 pho ne no. :  XXXX  time :  XXXX  am  XXXX   XXXX  , 2017 pho ne no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,    2017 pho ne no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 p hone no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 p hone no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,     2017 ph  one no. :  XXXX  time :  XXXX    XXXX     XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,   2017 ph  one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 phon e no :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017 phon e no :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 pho ne no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX   XXXX  There are more dates & times, but in the begining I just deleted them. Now that they are 'again ' harassing me, I kept the above in my cell phone because that 's where the calls are placed.     I did call back once, and the recording sa id Wells Fargo. Not hing about any collection? I found that odd. Anyway, I pay my mortgage monthly, and my  Home Eq. Cr. Li ne mortgage and the last bill that I received fro m Wells Fargo for the Eq. C r. line for {$600.00} + I paid. So I do n't know why I keep getting these calls, BUT I WANT IT TO STOP! IF THIS IS N'T HARASSMENT, THEN I DO N'T KNOW WHAT IS!

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 06-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I question Navient 's ability to handle payments. I made a one time {$500.00} payment on  XXXX   XXXX    XXXX   via my account website on Navient, and the payment was lost. When I spoke with Navient agent, although they were nice, the stated that the payment was lost, or not connected to my account for some reason, and they would work on fixing it for 16 days. I asked how this would be avoided in the future, and the agent was unable to answer the question. I paid online via my account page! How on earth could the payment have been disconnected from my account? I am so frustrated, and I do not feel that Navient takes ownership of this issue, despite the fact that I am a customer paying THOUSANDS to this company in interest. Where is the accountability?

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have a credit freeze in place with all three reporting agencies. When I make a large purchase requiring a credit freeze, I " unfreeze '' the information. This costs XXXX dollars in each instance. I routinely have trouble with Equifax using the online system and must resort to calling them. This is a time consuming process and is inconvenient in that it has to take place during my working hours. I recently attempted to resolve this after my last attempt in XX/XX/XXXX. After a tedious e-mail exchange, I was promised a phone call which never materialized. I tried to contact them and of course they were closed. I do n't mind the periodic extortion for the automated credit lift but the company seems not to understand the responsibility granted to an entity that in effect controls an individuals financial freedom. All I ask is for Equifax to fix whatever error is in my file that does not allow either the automated phone or the web-based to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Consumer Loan (Vehicle loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (FL).
Issue: Managing the loan or lease

Complaint: I financed a new car in XX/XX/XXXX with BMO Harris bank. I suffered job loss about a year later and was receiving numerous calls each day late at night from the collection company my account had been sold to. The collection company refused to take any partial payments I was able to make and frequently threatened me with law suits and seizing of property. Once I was able to begin making payments again, I made a payment of approximately {$3600.00} and set up automatic payments thereafter. Automatic payments were taken from my account as agreed upon for nearly two years until my account was bought back by BMO Harris Bank, at which time the automatic payments stopped with no communication or notification to me. It took a couple months for me to track down the correct contact information of the creditor and set up a new automatic payment agreement. For the next couple years thereafter, automatic payments resumed. I called from XXXX to XX/XX/XXXX to request written documentation of all payments made since BMO Harris bank does not provide any sort of documentation of payments made, digitally or otherwise, and also to inquire about settlement options. My then current account representative, XXXX, was out of the office and not available to take messages for approximately 2-3 months that I know of, so I never received any response- not even from other reps in the office. I was finally able to reach XXXX in XXXX, at which time she argued with me over my right to receive a response regarding my account. I requested the written documentation and also a new account representative. I also inquired about settling my account, but was given no options- only further argument. I never received the documentation of payment history I requested ( it was supposed to be mailed to me ). After speaking with XXXX in XXXX and having a new account representative assigned, XXXX more automatic payment was taken from my account on XX/XX/XXXX, after which my automatic payments stopped coming out of my account again. I contacted my new rep in XXXX to find out why the payments had stopped and again to request the payment documentation that had never been received. She responded that my automatic payments had been stopped because I had inquired about settling my account, although no options were given and no agreement had been made. She assured me that she had resubmitted the request for payment documentation to be mailed to me and set up my automatic payments again. My next automatic payment was made on XX/XX/XXXX, after which they have stopped again! It is now XXXX and I still have not received the twice requested payment documentation, and the bank still is not honoring our automatic payment agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (VA).
Issue: Managing the loan or lease

Complaint: I took out a loan with CastlePayday a couple of weeks ago. They took money out for the XXXX payment on XXXX XXXX. When dealing with a different loan issue, I realized that I did n't have a copy of my contract for this loan. I called them today, asking for a copy of the contract. They sent me a schedule of payments but no contract. I called back to request the terms of the loan. The person I talked to that time, said that it was not a payday loan, but that it was an installment loan. I told him that I was aware that it was an installment loan, but that I still wanted a copy of my loan paperwork, since none was ever made available to me, and it was n't sent when I had just asked before. Again they sent a copy of the payment schedule, again, not what I was asking for. I looked back in my emails from them to see if I missed something and all I found was information I should know about my loan which included a notice that failure to make timely payments would enact applicable tribal law, and they would send over the loan to a XXXX party in the event of default. That 's it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Billing disputes

Complaint: I paid for medical services with my credit card ( XXXX XXXX XXXX Signature card ). At the time of payment, The Hospital offered a 20 % discount off the bill if the bill was paid before my wife left the hospital. I paid the bill which was {$910.00} ( {$1100.00} minus XXXX % ). Insurance covered more than what The Hospital had calculated because my wife met the out of pocket maximum, so I overpaid. I contacted The Hospital providing all the calculations and how they owed me {$250.00} as a result of the over payment ( actual bill was {$830.00} minus 20 % or {$660.00} XXXX {$660.00} minus {$910.00} is {$250.00}. The Hospital refused to offer a refund so I immediately contacted my credit card to dispute the overcharge. I provided all the necessary information that Bank of America requested in a timely manner, well under the 120 days required by law. Bank of America sat on the request and did nothing. They gave me a case number ( XXXX ), but did absolutely nothing. They did not contact The Hospital ; they did not contact me for clarification ; they did not explain anything in terms of why they would not resolve the case. They just sent me a letter saying it was too late. Bank of America did not do its fiduciary responsibility of investigating the dispute. 
This all happened over many months from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (Credit card) with Investment Retrievers, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Investment Retrievers Inc continued to contact me about my fiance and I advised them he was being legally represented and provided them the company name, phone number, ext and the representatives name. They claim they could not get through so continued to call with harassing phone calls. I tried to send a Cease & Desist letter via fax however their fax connection was disabled & I only received fax transmission errors.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a complaint that I thought was done and over, I just received another collection letter from a Century Link collection bill Via : EOS CCA, Collecto, Inc. I never received the modem or the services at that time that these charges occurred. I am currently a XXXX XXXX customer and thought this issue was resolved until I opened my mail yesterday. I placed an order to XXXX XXXX back a few months after I moved into my home in 2014. I went months without internet if it was n't for convenience, and it was inexpensive enough I thought. I do n't really do anything but watch movies and pay bills with it, I 'm not on any social media, I 'm not a gamer. Ironically I am using XXXX XXXX right now to type this. This bill has been ruining my credit for years and I did n't know it. I Ordered XXXX XXXX in 2014 the modem was supposed to be sent out, It was never sent out, someone was supposed to check my service outside only, at no charge they said they had n't made before my first call. They even said they were going to expedite my services to that weekend I would get my modem in 3 days. I was busy working I almost forgot about it completely until I really needed the service I called and asked the lady what happened I thought the modem got stolen off my door step, she said she would check my order " it was never even sent out '' and they would send it and it would be " Expedited '' again, it did n't arrive again ( huge fail ) it was over a month until services started. Long story long They tried collecting in the past and realized their mistake apologized made up for it a little then made the same mistake a little over a year later and continue to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (FHA mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Loan modification,collection,foreclosure

Complaint: I was in the middle of a process of loss mitigation. On XXXX, the Bank asked for some documents. On XXXX XXXX, 2015, I sent ALL the documents requested through email, and the Bank officer replied " Received. Thank You ''. On XXXX, I got a letter closing my loss mitigation case because " I did n't send the requested documents '', and the Bank immediately referred my case to Executions. I reacted and proved that I had sent all the information requested. They apologized and continued with the case. They asked for more documents which I updated and provided. My case was open and ongoing when, to my surprise, I was notified with a Foreclosure Summary Claim! The Court has even set my case for trial. And I never got an answer from Loss Mitigation or alternatives I could use to prevent this. The Bank even lied openly on the Claim, affirming that they had a new appraisal of my house, when no appraiser has come to my house. The same Bank has even offered mortgage loans in my area for values under what I owe, provoking a legal discrepancy that affects older mortgages, like mine, that in 20 years, owes more than the value the Bank is attributing my neighbor 's houses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This complaint is being written due to an inaccurate account that was placed on my credit file by XXXX XXXX XXXX account number XXXX  in the amount of {$290.00}. I have disputed this erroneous account on several occasions without due process or relief. I have asked for verification and validation in reference to this account. XXXX XXXX XXXX has NOT provided me with proper documentation substantiating that I have any financial responsibility for this debt.

The Fair Credit Reporting Act states that as the consumer I have the right to request VERIFICATION and or VALIDATION of debt in question. Previously XXXX XXXX XXXX, TransUnion, XXXX, and XXXX   have verified this debt as my debt.

I have asked multiple times for verification and validation. How have all bureaus and XXXX XXXX   verified this debt? Neither entity has provided validation or verification.

On XX/XX/2018, XXXX XXXX XXXX documented that they DO NOT have any documentation proving the above debt is legally mine.

I am attaching XXXX XXXX XXXX letter stating that they are unable to provide a signed contract binding me to any debt with their company. I am requesting that this fraudulent account is removed immediately from the credit bureaus IMMEDIATELY.

The Fair Credit Reporting Act requires that this debt is VERIFIED or VALIDATED upon my request within thirty days. XXXX XXXX has confirmed that they have NO means of verifying or validating the accuracy of this bogus account. If the account can not be veried, your company must delete the account from my credit report IMMEDIATELY. If you can not show proof that you have veried this debt and you continue to list this item on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.

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 03-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a bad debt from an apartment move out. I offered to pay for what I felt I owed but the apartment company would not discount the final bill to what I felt was reasonable and covered in my lease. They sent the debt to collections. After several phone conversations to get the debt reduced to what I owed I was not successful. The last representative I spoke to offered me a number and told me I had to pay then to resolve the debt. I said I would not make a payment over the phone and that I wanted and invoice sent to me to define the settlement. He said he could not do that so no way I was giving my CC info over the phone. Then he told me I could go only to the website. I went right to the website and entered my account info that was given to me. The website gave me an option to make a settlement offer. I entered the $ I felt I owed first and it came back as a no on settling that amount. I made a second offer and that was accepted. I paid the agreed settlement and a $XXXX processing fee and the debt was settled. I printed the letter and confirmation from the website and was done. 

They started calling me again and when I answered no one said anything so I called back on XX/XX/2016 at approx XXXX. The person that took the call told me I still owed them money and my settlement wasn't enough. I told him I used the website and got an accepted offer and took it.He basically said that I still owed the rest of the debt. He said the documentation I claimed I had wasn't valid. 

Out of frustration I spoke some curse words and hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: i got a call from a number with a partial voice mail i didnt know who it was so i left a voicemail to contacted back and when they called back a couple days later they said they were lincoln XXXX to collect a 10 year old bank debt for US Bank and that they had been sending information to address in another state i lived in which was XXXX Missouri and i believe i paid the debt or was in XXXX already for the debt and i have been having a bank accoumt since 2010 and they threatend to garnish wages and take me to court for the debt and tried to scare me into paying i told het i would pay and made arrangment to pay but after further investgting i realized they were a fraudulent company and i asked to b sent papets in writing about the said debt and she said she will but never asked me for my address but i did text my current identafication with current address and a copy of my debit card but i changed my information to my debit card because i know i should not still owr the debt and it doesnt come up on my credit and US Bank has no record of a debt that i owe them and said i could open an acct with rhem if i wanted to..

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 06-09-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Settlement process and costs

Complaint: I refinanced my mortgage with Chase. My old mortgage was also with Chase. They were suppose to mail me the entire refund from my escrow account. Instead they only mailed me a check for {$15.00}. They should of sent {$790.00}. I called the loan officer, And went to see him several times. He said he never saw this happen before, And he would call me back. He never calls me back. I also called another person at chase. She said I should have received the total escrow balance of {$790.00}. She never called me back. This has been going on for over 6 weeks. No one at chase will give me any answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited funds from a real estate transaction on XXXX/XXXX/XXXX. Chase has placed a hold on the funds until XXXX/XXXX/XXXX. Chase is collecting free interest on my money, instead of allowing that interest to accrue to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (Other type of mortgage) with Fay Servicing, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: AFTER RAISING MY MONTHLY PAYMENT FROM {$580.00} TO {$820.00} I CALL THE COMPANY AND EXPLAIN THAT I COULD NOT AFFORD SUCH INCREASE, I LIVE ON SOCIAL SECURITY CHECK, THEY OFFERED ME TO APPLY FOR A MODIFICATION LOAN, FILED OUT ALL REQUESTED DOCUMENTS AND WAS DENY ANY HELP ... .THERE REASON WAS " YOU ARE CURRENT " WHAT A JOKE! THEY SUGGESTED TO APPEAL? ANOTHER JOKE ... ..I AM AT A LOST!!!!!!!!! 

RESPECTFULLY XXXX XXXX

Company response to consumer: Closed with explanation