milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NM).
Issue: Loan modification,collection,foreclosure

Complaint: When my income dropped significantly I contacted Chase, my mortgage company in XXXX XXXX to apply for mortgage assistance and submitted all requested documents. On several occasions following the initial application I was contacted by XXXX XXXX requesting additional documents - which I supplied in a timely manner. In XXXX XXXX I was informed by XXXX XXXX that all documents were complete and he was forwarding all information to the underwriting department and I would receive a response and multiple resolutions within 30 days. 
In XXXX XXXX XXXX XXXX contacted me once again requesting more information and a new application - which I supplied. When he received all documents, he assured me once again that my application was complete and all documents were being forwarded to the underwriting department. 
Today, XXXX/XXXX/XXXX I received yet another request from XXXX XXXX to replace and clarify previously submitted documents. It is now my contention that either Chase does NOT really have a program for mortgage assistance, or people like XXXX XXXX are employed to obstruct the application process of each applicant. I have continued to make my mortgage payments each month, yet have been repeatedly lied to by XXXX XXXX. I wish to submit this complaint and will also file a complaint with the New Mexico State Attorney General 's office, and explore a lawsuit against JP Morgan Chase & Co.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio they made an agreement to settle my account yet they are still holding a balance on my credit report I've deputed the charge yet they report late charge off charges I've sent the credit bureaus copy of money order and proof of settlement payment yet it's still reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Other debt) with ERC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: ERC has suddenly appeared on my credit report. They have never once sent a letter or notice to me. They are unhelpful on the phone and will not verify the debt. I do not know what the matter is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Student loan (Non-federal student loan) with U.S. BANCORP (MN).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I have been receiving harassing, threatening and XXXX threats telephone calls from U S Bank representatives in regards to an account and debt of {$7300.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.

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 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Technologies, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit Technologies Did a hard credit pull on my account on XX/XX/XXXX. I have asked them several times to provide verified authorization of the hard inquiry. They have yet to produce the verification and they told me they will not remove it from my credit report i am a victim of inquiry issues. I call all 3 CRA  and they are not removing them after I have spoken to the cooperate office who stated it would be resolved on XX/XX/XXXX instead the hard inquiry is still there. Pls have these removed it is affecting my credit report and all the CRA do not care because it is better business for them if I have poor credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company " afni '' attempting to collect a debt that I do not owe the creditor told me the debt was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Conventional fixed mortgage) with SN SERVICING CORPORATION (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Reporting in accurate information on my credit report I am in and have been in active chapter XXXX bankruptcy since XXXX XXXX. My loan was purchased by SN Servicing and since they received it they have been reporting my mortgage payments 90 days late for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. They should not have been reporting my payments late as I have been paying my Trustee a month ahead and while I am protected under BK they should n't be reporting. They are now paid in full as agreed and I ca n't get an apartment or mortgage because of these negative marks. I have called them and spoke with XXXX and her Manager and they advised me to dispute through the credit agency I just need a letter stating this information they reported is inaccurate so I can obtain approval on a purchase but they refuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. ().
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I purchased a XXXX XXXX XXXX in XXXX of last year ( XXXX ) due to my other car being totaled in water damage. At the time I was able to manage the payment but as time progressed on my funds became limited and I could not afford that high of a car payment and still take care of my family. I eventually started making payments, not full payments. But payments to the point it would look like I was trying to work the balance down. A few months later I decided to try and get out of the car because it was to high of a payment for the size car and had and I was not satisfied with it. Did n't feel comfortable paying for a car that was n't suiting me and my family. 
I contact Chrysler Capital and told them I wanted to do a voluntary repossession because I was unable to maintain the car payments at that time. This was in XX/XX/XXXX. They at that point decided to tell me they could put my current balance due on the end of my loan to help me get caught up and be current on the loan. But I declined, cause the problem would still be there. So we processed the voluntarily repossession. I was told that they would sell the vehicle by XX/XX/XXXX and I would be responsible for the remaining balance. Which I okayed because I figured the care would be sold for the most of what was owed since it was still new and had very little miles on it. 
What I was not told was that if I failed to pay the difference it would still accumulate late fees, more payments, and affect my credit. When I surrendered the vehicle, I new that I had a balance left that was roughly {$800.00}. Which was about a payment and XXXX behind. I was not under the impression that they would report negative information to the credit bureaus like I still own the vehicle and was just refusing to pay. My monthly payments for this loan was {$470.00}. When they sold the car in XXXX the balance left was {$8600.00}. Ever since then they have been reporting negative information to my credit report such as a refusal to pay and accumulate monthly charges as if I own this vehicle. They have not called or sent any communication through the mail to me to try and settle this debt to a point where we both are satisfied. If a settlement offer does come around, I will not agree to no more than what debt I left unpaid when the car was picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After numerous attempts to resolve inaccurate information being reporting by XXXX XXXX XXXX they retaliated by reporting more derogatory information to the credit bureaus. I had a XXXX  XXXX account I paid off on XX/XX/XXXX 2012 and I asked the customer service to close the account. Instead, they reported that my account was charged off and continued to report charge off till XX/XX/XXXX 2012. They acted in bad faith and this is a false and criminal 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
Consumer complaint received 06/15/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a medical collection bill in  XXXX  addressed to  XXXX   XXXX , I contacted  XXXX  on  XXXX  and spoke to  XXXX  who advised they need to resubmit the bill as  XXXX   XXXX .   Since then I have received several calls from  XXXX . When I mention the bill needs to be resubmitted they say it was resubmitted, however the bills they send me still say  XXXX   XXXX .   On  XXXX   XXXX ,   XXXX   around  XXXX  I faxed a copy of an E.O.B advising  XXXX  that this bill was paid. Fax was sent to  XXXX ,  XXXX  and  XXXX  On  XXXX   XXXX    XXXX  , around  XXXX  AM my husband spoke to  XXXX  who advised it would take 3 days to processif it had been received.   On  XXXX   XXXX , around  XXXX  my husband called back to confirm receipt, she spoke to  XXXX   XXXX  who advised him to call back on  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 03/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX filed a hard inquiry on my credit report ( unauthorized ) they did this on XX/XX/XXXX. Thing is that acct shows never missed payment and last payment paid on XX/XX/XXXX acct closed XX/XX/XXXX. I have n't applied for any credit, or anything that a company would need my credit info.I 'm not understanding this. thank you for your time.

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 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I Never received the ORIGINAL Toll Bill of {$11.00} since the Address is INCORRECT. My Address is XXXX XXXX XXXX, NY XXXX NOT " XXXX XXXX '' as shown on the Collector 's Bill. The Original Bill never got to me. I should not pay this Debt Collection Bill since I never even received the Regular Bill.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
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: There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it from 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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I believe that my personal information on Equifax, XXXX and XXXX was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Management Partners, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is the second time this company fails to abide by the FDCPA. I received no notification of this debt or was not given an opportunity to dispute this debt. This company is ruining my credit and I 'm about to close on a mortgage for a home which is now in jeopardy because of their unfair debt collection practices. They are n't complying with the LAW. I have an attorney on standby to take this matter tp court if this account is not removes from my credit report and they follow the law by allowing me to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Medical) with Professional Finance Company, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have asked the collection company for verification of debt multiple times. I have asked for signed documentation by me, XXXX XXXX, that the debt is in fact mine. The collection company has refused to send me any documentation showing that the debt is in fact mine. The collection company has refused to speak with me because they believe I have an attorney. I have spoke with my bankruptcy attorney to get documentation for the bankruptcy and the listing of PFC on the bankruptcy and that is the only contact I have had with an attorney. I was making monthly payments on the account until I realized I am already paying the debt with another collection company. I believe that the debt is not my debt and can not prove that it is or is not because PFC refuses to give me any documentation that the debt is in fact my debt. I would like a statement of account, and admission agreement or authorization of service on my account, proving that the account is in fact my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello I am struggling with paying my student loans and Navient told me that I am not qualified for lower monthly payments. They are expecting me to pay XXXX a month which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Bank account or service (Checking account) with FLAGSTAR BANK, FSB (MI).
Issue: Problems caused by my funds being low

Complaint: I deposited a personal check for {$3000.00} into my Flagstar Bank account on Monday. My brother wrote me a personal check to help me with my XXXX bills and help pay XXXX. I have fallen on hard times and he offered to help. I expected a 3 day hold on the check, which would be okayXXXX. However, Flagstar bank not only placed a 3 day hold on the check, but turned around after the three days and placed anther 7 day hold on the check for loss prevention. This is a local check and both my husband and myself have direct deposits of our payroll checks being deposited into this same account. Our payroll checks are more than the {$3000.00} personal check.This 7 day hold caused me to go XXXX for 7 or more days XXXX. This is unreal and uncaring. The whole purpose for my brother giving me this money was to prevent this from happening. They are heartless and cold to do this to any human being.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is an outdated item listed which is Past the statute of limitations, I have tried to dispute this with no outcome which is XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My Student loans are being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: On XXXX/XXXX/XXXX i started a XXXX purchase with Coinbase. They cancelled my order on XXXX/XXXX/XXXX. They notified me saying i would get a refund to my bank account and it has been XXXX days. But i have not received the refund. I think they may have scammed me. 
I have sent them multiple emails and clearly stating my situation and i even tried contacting them on twitter with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit card () with BARCLAYS BANK DELAWARE (MI).
Issue: Credit line increase/decrease

Complaint: I am a XXXX and currently a graduate student at the XXXX. I was trying to book an Air BnB but was prompted at the end of my booking that it could not be processed. I was well under my credit limit and had just recently paid my Barclay credit card. I called Barclays on XX/XX/XXXX ( US ) and was told that I only had {$270.00} of credit available. I assumed that my card number had been compromised and unauthorized purchased had been made. However, the representative told me that my credit limit had been lowered by {$700.00} due to information they received on XX/XX/XXXX ; therefore they dropped my credit limit that day. The fastest response time I 've ever seen. It takes 45 days to get a response to a complaint. The said they send a mailing to my address on file and that would have taken 7-10 days. No call, no email, not express, and no XXXX message ; as I had been in contact with Barclaycard 's during that time via XXXX and they were accessing my account information. In the last two weeks, I had a reimbursement put on my Barclaycard that was {$900.00}. Nonetheless, the manager I spoke to said this was a 'credit ' and not a 'payment. ' As I explained, I am overseas and was trying to avoid the time-consuming hassle of getting the payment in cash depositing it in my XXXX and then transferring it to my U.S. bank to make my monthly payment. They said I still needed to make a 'payment, ' so I made my monthly payment as well. The same day they replied to my XXXX message complaining about the customer service was the same day they lowered my credit amount. Barclays had just received XXXX the monthly minimum the same month they reduced my credit by {$700.00}. I could have just as easily nickeled and dimed them with minimum payment or taken that 'credit ' in cash but I was responsible. I raised a fuss on social media and had my credit downgraded. My credit rating had been steadily rising in the last year to around XXXX when they decided to lower my limit. I have XXXX credit cards including the Barclay card with a balance of around {$450.00} and a previous credit limit of {$1600.00}. I also have student loan debt like everyone else. I 'm unclear what this credit report could have said when I have been on top of my payments, and my credit score has been increasing each month and each year for the past two years. My ability to access Barclay via the app for the last 7-10 days has been nonexistent or significantly limited en=ven though my app is up to date. My XXXX address is XXXX. XXXX XXXX XXXX. I am currently living at XXXX. XXXX, XXXX, XXXX XXXX. Any paperwork they have sent has not arrived and I have received no information via email, app, or 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 07/14/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is an open account shown on my credit report that is categorized as " family support ''. The lender is listed as New York State. This information is extremely outdated. That account has been paid in full as well as closed for several years. I feel it may be impacting my score and respectfully ask for your assistance in removing it. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing is reporting incorrectly to all three credit bureaus. They show that I am past {$490.00} and that the account was charged-off and is on foreclosure. This is hindering me from obtaining a refinance with my primary mortgage. I wrote them several months ago and they sent a letter apologizing for their error and also said corrections will be made. Nothing was ever corrected. When I call the company, they tell me they do n't see where they sent me a letter and I basically get the run around.

Company response to consumer: Closed with explanation