milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Debt collection (Credit card) with Critical Resolution Mediation LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I got a voicemail from XXXX XXXX XXXX from Critical Mediation LLC stating about a Fraud Claim against me. I called the number backed she then responded that she is collecting a debt not a fraud for XXXX XXXX. I told her I would like to verify first to make sure that it was my actual debt. Since it was for XX/XX/2011. She then said did n't give me time to call her back since I as driving. She have told me that we will file the lawsuit once I hangup the phone. After reading my consumer laws that 4 years old debt cant be sued. Second not mentioning that she is collecting a debt. Lastly not allowing me to verify my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 08-04-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was trying to get my credit reports from all XXXX reporting companies via XXXX. When I got to the Equifax site, I was asked a security question that related to how much the required payment was for a specific account and I gave the wrong answer. The problem is that the account happens to be a home equity line of credit, and we had just written another check, so the number changed recently. It seems rather stupid to ask questions like that about accounts where the monthly payment can vary. The real problem is that once you get the security question wrong a XXXX time, you are told to send sensitive documents via the USPS in order to request your report. There should be a way to upload required documents to a secure site. At the very least there should be a phone number to call so that you can request your report via the phone, or speak to a person about why you are having a problem. What would have happened if the account that I was being questioned about happened to be fraudulent? - I would have no clue how to answer the question and then would experience a delay in getting my report, possibly allowing time for more fraudulent accounts to be opened. The XXXX companies should be required to provide a phone number or computer chat capability at the point where they prevent you from accessing your own credit report to prevent delays.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: We were defrauded {$5000.00} from the middle of XXXX 2014 to XXXX 2014, by applying for a loan modification thru XXXX XXXX XXXX. That was cash money. We were finally able to speak to a real XXXX modification officer. They in turn, had XXXX XXXX XXXX to handle the modification. We paid them {$4100.00}, and were " approved '' for a loan modification thru Bayview Loan Servicing. We have paid them {$2900.00}. We have been trying to get Bayview to correct our address. We live in DE, they have a CA address. We can not access their online system, saying our loan number does not exist. In the meantime, we have received XXXX letters in the mail from XXXX XXXX stating our mortgage has been modified. We have received NOTHING from Bayview concerning our mortgage. Two weeks ago, we received a letter from the Attorney Generals Office ( DE ) stating XXXX XXXX is not licensed to practice law in DE. We have just copied a stack of correspondence to be sent to DOJ. We do n't know if we have a mortgage, if we should find an address for them to mail payments to ...???? We are at a total loss

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with Midwest Recovery Systems (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I received a phone call 2 month 's ago I have a debit to pay if I do n't pay they call me in court and I found out they report me in credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Consumer Loan (Installment loan) with GMA Investments, LLC (WI).
Issue: Problems when you are unable to pay

Complaint: Consumer Name : XXXX XXXX Reference No : XXXX XXXX Account Status : Forward to Summit Receivables Original Account No : XXXX Original Creditor : XXXX I took out an unsecured online installment loan from XXXX XX/XX/XXXX I recall which i have subsequently been unable to pay and the loan is in default ; XXXX transferred/sold the loan to XXXX - I have been negotiating in good faith with XXXX for several months and have offered payment in full versus taking a discounted settlement but the issue is length of time - I need 48 months at a minimum. XXXX had accepted the 48 month arrangement, then reneged on it - purportedly because I failed to make the 1st payment with 5-8 days from the accepted online agreement. But, when I went online to make that 1st payment, the account was listed as " still negotiating ''. When I attempted to submit the aforementioned exact same online agreement, XXXX rejected it and the loan has been in limbo ever since - about 3-4 months. Today, XX/XX/XXXX, I received a call from a lady saying she was with Summit Receivable. She initially was trying to reach XXXX XXXX XXXX - a company I had previously worked for. When I told her I used to work there and can I help her, she then wanted to know if I knew how to reach XXXX XXXX. When I replied it is I who you are speaking to, she then wanted to verify my ID by asking for DOB information. I resisted but decided to provide since I was curious as to what she was doing. She then said she was with Summit Receivable and was calling about XXXX and wanted to know if I was able to pay it. I responded that before we discuss anything, I first wanted her identity, her company name and address and contact information and also a debt verification letter. She responded that the company has provided that before and when I pressed by saying that I just wanted to make sure I was n't falling for a scam trap, she became sarcastic and rude saying " like when you took out all these loans ''. I replied that I will be filing a complaint with the CFPB at which point she simply hung up on me. After that call, I emailed XXXX and requested status of my account. XXXX emailed a reply back indicating that Summit Receivable had been assigned to collect on this account. Other than that email which I had to initiate, I received NO prior warning or information regarding that. Also, a person also reached out to one of my references on the XXXX loan looking for my contact information and indicated they were a debt collector - a clear violation of the law. My reference contacted me and informed me of this attempt. What is especially troubling is that XXXX has had numerous contacts with me - phone, fax and email and I have given them permission to contact me using any of those mediums. I would have assumed that if XXXX had transferred collection of the account, the contact information would have been provided to their new representative.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: JP Chase Morgan Bank filed a collection suit against my ex-wife and myself XX/XX/XXXX. We hired and attorney and pointed out the debt was not owed and the case was dismissed WITH prejudice on XX/XX/XXXX. Since that time, JP Chase Morgan collectors have repeatedly contacted both of us attempting to collect this debt. When it is pointed out that we do not owe the debt and that they are attempting to collect on an noncollectable debt, the calls stop temporarily. Today, I was again contacted by a XXXX from JP Chase Morgan collections unit ( no last name given on voicemail but extension XXXX ). I again pointed out that this is an noncollectable debt and he stated he knew they can not file suit against us but they are still going to attempt collection and that the next step is to assign the debt to another collection company. I advised him to stop harassing us and no longer contact us via phone. 

How can JP Chase Morgan continue to attempt collection and threaten to assign this noncollectable debt to another collection company? This has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: Based on the review of the credit history, i have realized that there was a credit inquiry done by SYNCB/AMAZON XXXX, FL XXXX ( XXXX ) XXXX. I would like to reiterate that i do not remember applying for a credit card with the above referenced company. If there was a 3rd party who attempted to run my inquiry through the said bank, it was done without my consent. 

As such, this inquiry is negatively impacting my FICO score which as a consequence limiting my chances to get mortgage approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Mortgage (FHA mortgage) with MB FINANCIAL, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with XXXX, which was acquired by MB Financial Bank shortly after. My wife and I purchased another house closer to work some time later, but we continued to pay our escrow mortgage on the first house until we could sell it. Fast forward 2 years and we have found a buyer for our first property, but to our dismay, it had been burglarized one weekend. I called our insurance company ( after the police of course ) to start a claim, only to find that we did n't have insurance any more with them because the account had been closed " due to non-payment ''. I called MB Financial and they said that the insurance was dropped without a reason so they decided to take insurance out on the house themselves ( I still do n't know the name of this provider ) but of course, the plan did n't include personal property coverage like the insurance I had purchased. Anyway, long story short, I am out {$7000.00} due to this burglary ( they took all of our appliances ) and I see no hope of getting it back ...

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Credit decision / Underwriting

Complaint: I applied for a mortgage loan to purchase a home. I got an approval from the lender subject to proving a home that I put in a bankruptcy 4 years ago has been removed from my name. Currently it still shows in title I am the owner. My lender XXXX told me I had to have the old home out of my name to get an FHA loan regardless if I put it in my chapter XXXX. I called Bank of America direct. They are the lender that had my loan on the home in my chapter XXXX. They told me that there records show the chapter XXXX and that I do n't owe anything on the home but it is still in my name. I asked them why they have not started the foreclosure since its been 4 years. They had no answer. I asked them if I could just sign a deed over to them and give them the house back. They said no. I asked them how to remove the home from my name and they told me I would have to sell it or wait for the foreclosure to be completed. I had my lender search records to see if Bank of American has done anything in the last 4 years. Title records show that Bank of America has done nothing to start the foreclosure process. My new lender said they can not give me a mortgage to purchase my new home because HUD requires my name off the old home. Due to Bank of America doing nothing, I am unable to purchase a new home for me and my family. I have done everything right by getting new credit, paying my bills, good credit scores and saving money. Now my lender, HUD and Bank of America can not come up with a solution to help me. How long can Bank of America tie up my name and ability to buy? Is there a way for HUD to see the problem is not mine and allow my new purchase?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (AZ).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: wells fargo sent me a card I did n't apply 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 explanation
Consumer complaint received 02/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: Went to a dealership to buy car finance manager wanted me to go with a messed up deal little did I know he kept running my credit score and basically XXXX my credit score so I wont be able to go anywhere else my score was at XXXX and dropped to XXXX. I am going to assume he had to run it over and over and over again for it to drop so low and I was n't aware of anything until I went to another dealership and they printed out my new credit score through equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax Reporting Agency has listed following address as to be a past address : XXXX XXXX XXXX XXXX, Ky. XXXX I have NEVER loved at this address. I need it to be removed from my credit history report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2015 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (TX).
Issue: Taking out the loan or lease

Complaint: Here 's my story, I went to chase to take out a Loan in 2008 to by my wife a car. I contacted the loan officer for about XXXX days, They continued to put me off. After several attempts to secure the Loan, I decided that since they did n't want to help me with the loan I went back into my local branch and told the loan officer that I no longer wanted the loan, and paid cash that I had in my saving account. I was told that because they went through the process that I would have to pay them XXXX dollars. I could n't believe what I was hearing. So I thought that the matter was over. I checked my credit report and found that they charged me XXXX dollars and this is still on my report, I 've written to each agency and they would not remove this from my report. That my story.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I called midland funding in regards to this they asked me for account information I told them I didnt have any I just saw this on my XXXX XXXX XXXX its why Im cslling they asked me for my social security name is not mine yet my social security was used they wont tell me anything cause they cant confirm identity. But yet its affecing me because its my social security number and Im stuck. How can I clear my name if they refuse to help me its not my account or my name. How ever my social security was stolen by this person to open an account I dont even know what it is or where I need my name cleared XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX my auto loan provider titled XXXX XXXX XXXX charged me twice for my car payment they were not supposed to cash the check sent because I sent them an automated payment on XX/XX/XXXX. I spoke with a representative from the claims department on XX/XX/XXXX to try and stop the check from going through however it was too late and they instructed me to contact my auto loan provider to seek out a reimbursement. Through much tribulation I received a reimbursement thanks to your company. I called back twice on XX/XX/XXXX at XXXX and also at XXXX to talk about the overdraft fees and they told me once the reimbursement came then they would wave the fees due to the double payment. I then received the check from XXXX XXXX XXXX and deposited it. I called Chase bank to once again talk about the over draft fees at XXXX. The representative reassured me that once the check had cleared they would take care of the overdraft fees automatically and it would take 24 to 48 hours for the credit to post. I then checked my account today and still no credit was given so I again called to see what was going on at XXXX I spoke with a claims representative and this time she said they could not take care of the fees. I asked her why I had been informed 3 times before they would be taken care of and now they are unable to process the refund. I am a single mother going to school and can not afford to pay for these companies mistakes. I would have asked the company to reimburse the fees if I knew my bank would not have. I would like to know why 3 times I was reassured they would be taken care of and now they are not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/25/2017 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Other

Complaint: Charge-offs stay on your credit report for up to 6-7 years from the date the account was charged off. However, I was told that it will be removed before then. It has been already over 6 years.

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 08/25/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My son and I received a letter from the Nelnet Student Loan Servicer today, XXXX/XXXX/2016, introducing the fact that they had been selected by the U.S. Department of Education to be our student and family loan servicer. The letter refers to an enclosure that we should read, but there was no enclosure in the mailing. We do n't feel that we have received all the information we need, and our confidence in the servicer is n't enhanced by a mistake that, if it included all the other people who received the mailing, could represent a significant error and possible financial expense on the part of the company. The letter was addressed to my son, XXXX XXXX, and was dated XXXX XXXX, 2016. We would appreciate it if the company would forward the missing piece, and would not object to being allowed the option of choosing another servicer. Thank you for attending to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am a XXXX XXXX working to repay my XXXX school loans via the Public Service Loan Forgiveness program. My DOE loan servicer, XXXX, doe n ot process my income updates each year for the REPAYE, income based repayment, timely. As a result, I am placed in forebarence each year for months, which prevents me from making a monthly payment towards my 120 payments needed. I have always filed months ahead of time, and each year it takes them 100+ days to process my request.
Also I was mislead about
which type of plan I shoudl be on. I have never missed a payment, yet I was never told that the payments for the first 18 months did not contribute towards PSLF. Those payments were 5-10x higher than my current IBR payments. I should get credit for these higher payments I already made towards my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ally Financial is where my car loans is with. They are reporting bad information to the credit bureau 's they are reporting that I have been  XXXX   XXXX  days lat on my payments and I have not been my payments are due on the  XXXX  of each month and I have always been on time. As of this date they are reporting that I am one month behind and that is in  XXXX   XXXX  when I was in the hospital and had  XXXX   XXXX  in  XXXX  weeks I call from the hospital and ask for a deferral and was given that request. Yet I have called Ally a minus of  XXXX  times and they will not correct what they arfe reporting on  mr   and  my husband  XXXX   XXXX . I got Ally head quarters to send me a full History of all my payments and they only show that I was one time late bank in  XXXX . This stopping us from getting a mortgage on a home. I told Ally this and the lady saif then you have made your payment on time we will not change anything for you. Account numbers #  XXXX  + XXXX   XXXX   XXXX  I will fax to you the proof.

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 08/21/2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I did not receive any notification that this debt was sold to XXXX XXXX XXXX XXXX nor was I able to confirm or deny this debt is valid. Additionally, the debt was removed from my credit report in XXXX  2016 and now has reappeared. The debt does not meet the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/2016, XXXX XXXX charged my XXXX XXXX XXXX XXXX Dollars ( {$2.00} ) without my knowledge and without any basis. The amount was charged but not billed. 

I learned about the charge a few months later. I disputed the charges. XXXX removed the charge immediately, however, XXXX has made two negative reports on my credit report for such XXXX Dollars ( {$2.00} ). 

I tried to have XXXX remove the negative reporting but failed. 

I request XXXX to remove the negative reporting. 

I request penalties be assessed against XXXX for improper and fraudulent charges and for fraudulent negative reporting.

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