milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: InXX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a XXXX XXXX XXXX XXXX with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called XXXX and cancelled my credit card. Since then, I have had 3 XXXX XXXX  application submitted in my name without my knowledge until it shows up from my credit alerts.XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All applications were denied. All were applied under my old address. I have called XXXX each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with XXXX and XXXX around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just XXXX XXXX, please Help this is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: APR or interest rate

Complaint: XX/XX/XXXX, I 've noticed that even though I have been paying more than my minimum payment amount and paying it on time, my balance was slow to go down. When I checked my account, I noticed that my fixed interest rate of 10.99 % ( since XX/XX/XXXX ) was moved to an interest rate of 11.15 % variable. I called Bank of America to ask why my interest rate was switched from a fixed to a variable when I have never not paid my bill, always paid more than the minimum amount and always paid on the due date, Bank of America told me they just did it to me. I asked them was n't that against the law, especially since they never even notified me of hiking up my rate? They apologized and acknowledged that they never notified me and will now send out something to me in the mail. Is this legal? Can they get away with stealing my money like this? I need help in resolving this. Bank of America can not just switch my fixed APR from 10.99 % to a variable, when I did nothing wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX I was a victim of identity theft/ fraud. My payroll check was illegally forged and CASHED at a Wells Fargo Bank. I currently have an account with Wells Fargo Dealer Services and incurred a 30 day late on my credit XX/XX/XXXX due to the fraud that was committed against me IN XX/XX/XXXX, leaving me with no means to make my payment on time with Wells Fargo Dealer Services. The claim and investigation was opened with first bank ; I filled and notarized an Affidavit of Forged endorsement and sent copies to Wells Fargo Dealer Services credit reporting department as proof that I was a victim of fraud and identity theft ; not a negligent customer. I have lost more that XXXX points on my credit due to someone else 's actions that i have no control over. After showing proof Wells Fargo Customer service was rude and did not take the time to understand the seriousness of the matter. As the CFPB is to protect consumers and customers from identity theft and fraud, something needs to be done in this regard because my life is suffering from this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (I do not know) with Focus Holding Company (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Focus Receivable Debt Collection Agency is constantly calling with a recorded message. Do not tell who they are looking for. Returned call and no XXXX answered. Called again the next day and was hung up on. No one in this family has a debt that is n't being paid monthly. Today someone answered and they wanted all kinds of information like my name and telephone #. I told them that since they were not telling me who they were looking for then then they were not getting my personal info

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Unfortunately I am upside down on my home by {$100000.00}. I just received a Mortgage Statement showing {$200000.00} due by XXXX XXXX, 2015. I am self-employed and my business/income has dropped considerably. I contacted " Keep your home California '' which stated that I qualified for a Principal Reduction however the company that is carrying my note, HSBC, will not allow me to participate. I asked if I could at least get help with their other program that helps with relocation and moving expenses. I was again told that HSBC would not give permission for me to receive help there either. This is wrong! I originally had my loan with XXXX, which I was told went bankrupt which left me stuck with HSBC handling the loan. " Keep Your Home '' stated XXXX was n't even on their list, but my notices show XXXX for payoffs.The only programs they will allow is to catch my payments up then I 'm stuck with the same payment which put me into this trouble to begin with, along with I have to pay those payments on time, ca n't sell or refinance for 5 years. If I default with this program for any reason, then I owe all of that money on top of the original amount. I really need a program which can lower my loan payments permanently, not keep adding to my problems .Without any help, at my age, I can potentially end up in the streets. If there is any way of helping, please. I would be eternally grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Payday loan) with Solidus Group LLC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This debt collector contacted various family members and told them how much money was owed and that I needed to call before I was arrested for not paying the debt. I had family members call me and send photos of the number that would call them. They also left threatening voice mails on XXXX family members phones. I contacted them and requested verification on the debt and they refused. Multiple people disguised their voices, sent us to different extensions- like the legal department. When I was scared for what they might be able to do and to get them from contacting my family I agreed to a settlement. After paying the settlement they called back and said that I did n't pay the settlement fee of XXXX per loan. So I had to fork that over to get these people to leave me alone. They also said that if I did n't pay that they were going to send the police the next morning.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found some late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 monetary relief
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting negative information on a prior balance with XXXX. This balance has been paid and resolved, however it is still showing in collections on my credit reports.

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 02/14/2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: PennyMac Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 XXXX : Loan # XXXX / Property Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Dear PennyMac Mortgage Servicer : I am writing to request clarification concerning the recent XX/XX/2017 Billing statement which includes " Foreclosure Fees '' totaling {$1000.00} which were added to my XX/XX/2017 payment coupon. 

In previous negotiations over numerous phone calls and correspondence, I was told in writing and verbally through your collection agents that there would be no Foreclosure fees, and in support of that fact I had requested a payment reinstatement letter showing what the final costs to reinstate my loan would be. ( See enclosed letter from PennyMac dated XX/XX/2017 ) After receiving this letter and getting a Monthly Mortgage Statement for XX/XX/2017 which stated that the " Total '' funds required to bring the loan back into compliance would be {$9600.00} which is the exact amount that was over nighted by certified funds to satisfy the demand for payment and was to include all late charges. 

I believe I was deceived through verbal and written communication as to what was owed to pay back the past due amounts. I am protesting the amount of {$1000.00} which was added to my XX/XX/2017 payment coupon. 

I am demanding that a full written communication be sent to me no later than XX/XX/2017, concerning the reason why I was told verbally over the phone on XXXX separate occasions ( Review your phone records as proof ) that no other fees would be assessed. And that as referenced on Loan Notice letter dated XX/XX/2017 : See Page XXXX of XXXX, ACTION REQUIRED, ABOUT YOUR REINSTATEMENT OPTIONS : Option 1, ( Enclosed ) That the full amount due would be {$9600.00} ( Page XXXX of XXXX ) and did not include or reference " Foreclosure Costs '' latter requested totaling {$1000.00} Please see that an investigation is immediately commenced concerning these added charges that I do not believe that I owe. Please be advised that mortgage payments for XX/XX/2017 will not include the added {$1000.00} which I am disputing, and a that a formal complaint is being initiated with the Federal Trade Commission. 


Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We requested " description of reinvestigation procedure '' multiple times. The not only did n't respond within 15 days of receipt but they simply ignored the request entirely. See attached letter and certified receipts. XXXX and XXXX responded within time allowed saying they could n't fully verify and comply with the request so they took it off. 

Accounts in question are : 1. XXXX XXXX XXXX ( creditcard ) - First date of delinquency is 7 years 2. XXXX - First Date of delinquency is 7 years Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by ChexSyste ms &  XXXX . This is p reventing me from communicating with other financial institutions.I 've advised   XXXX   XXXX   XXXX   XXXX  this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the   XXXX   XXXX    XXXX  account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with   XXXX   XXXX   XXXX   XXXX  and still has yet to be assigned to  an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told 14-21 days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoe ver noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.

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 Debt collection (Other (i.e. phone, health club, etc.)) with Gatestone & Co. International Inc. (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This company claims to be a law firm representing XXXX XXXX XXXX. They have called my place of employment and left a voicemail detailing an alleged debt on our public voicemail box. They also call my cell phone multiple times a day, becoming confrontational bordering on aggressive when we have spoken. I have explained to them that I closed my account with XXXX and should not have been charged, nor should I have an account in collections. I have blocked several numbers but continue to receive calls from them regularly.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient made it difficult to get ahead of my payments from the beginning. I began paying after I graduated in XXXX. What I did n't know is that in the first 2 years of repayment from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, only {$29.00} of my total {$1900.00} in payments would go to my principal. I essentially paid only interest for 2 years. 
On XXXX/XXXX/XXXX I began increasing my payments to around {$400.00} a month up from the {$100.00} minimum. When I chose to decrease temporarily to the minimum because of some life expenses, I was told that my required minimum monthly payment had been automatically increased without my authorization to the {$400.00} I opted to pay - and they would not let me decrease. It took me several phone calls, arguing and being really forceful with managers to get them to acknowledge that my higher payment was a choice, not something I agreed to changing. It took even more force to get them to stop the next payment which was still almost 2 weeks away! I ca n't imagine what the outcome is for people that have less customer service experience or who are not comfortable being assertive. I have asked twice - once last XXXX and coincidentally once again just a few days ago - to make payments by phone paying only the principal and was told that 's not an option. Navient has consistently made it difficult to accelerate paying down my loan either automatically or by phone without paying for interest, which defeats the purpose of making extra payments. At the current monthly minimum I 'm scheduled to pay off my Navient loan in 10 years when I 'm XXXX. 
Has anyone else that made additional payments earlier this week ( I made mine on XXXX/XXXX/XXXX ) that their due date was weirdly not for several months and today lo and behold, the due date is this month?

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (TX).
Issue: Adding money

Complaint: Not able to access direct deposit funds. Call member services for Rushcard and all I get is it should be available soon, we are working on the problem, and we had a system outage. This has been an unacceptable issue for way to long. My bills do n't wait for apologies. If this issue was truly caused due to a system switch, would n't make sense to go back to doing it the original way until you tested the new way before you implement the new system. 

If that is truly the case this was a tremendous fail with no back up plan and no concern for hardworking consumers

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CO).
Issue: Money was not available when promised

Complaint: Excessive hold times on funds owed to me via paypal. I opened an account to facilitate payment to me from a guest wanting to stay at XXXX of my vacation rentals, and they wanted to pay with paypal instead of through my credit card merchant account. After i opened the account, paypal said I would have to wait 21 days before I would receive the payment, which coincided around the time they were supposed to check into my rental. On the date my funds were supposed to be available, I logged in to transfer them and the funds werent in pending status anymore. I contacted paypal and they said I did not verify my email when I set up the account ( I did ) and now I have to wait ANOTHER 21 days before receiving funds. Meanwhile, my guest needed a place to stay on their vacation, so I granted them access to the rental. The guest called paypal, spoke to a supervisor, and paypal told her that they would release funds to me within 2 hours of her call and reverse all the fees they were charging me. Well, the funds are STILL on hold for another 21 days- they did not release funds to me and did not reverse the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that the Experian Credit Bureau failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was sent in XXXX XXXX XXXX sent certified mail with USPS Tracking # XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.

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 02/23/2018 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a loan to consolidate my bills related to medical and legal expenses using the equity in my property. I was denied. Chase stated that my credit score was below there 675 requirement. I was told that I could reapply once score had reached 675 or better. I confirmed that my score was lowered because of the debt I had incurred. I have a current mortgage related to this request and have been in good standing. I asked for detailed information as to why I was rejected. I was only referred to submit concern with your agency.

Company response to consumer: Closed with explanation