milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and XXXX XXXX it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the XXXX involved to no avail. XXXX XXXX servicing always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (FL).
Issue: Trouble during payment process

Complaint: I have been requesting for last XXXX weeks from Chase XXXX things and being told they cant provide. 

XXXX changing from draw period to repayment period inXX/XX/XXXX. I have been requesting from Chase ( for the last XXXX weeks } for a amortization schedule for payments fromXX/XX/XXXXuntil XXXX which will show how much is going to be applied toward principal and interest. Refuses to give. 

Requested how monthly payment is broken down into principal and interest. Language in Note states " repayment period will be the principal balance divided by the number of payments remaining plus the interest accrued for the billing cycle. '' I have requested what language is used with the amortization of a " normal '' loan and why payments are not the same. When I put loan information into financial calculator I get a different payment than Chase does. 

Chase is taking XXXX principal balance and dividing by XXXX months and then adding interest by taking principal amount XXXX and multiplying by interest rate which is currently XXXX and then dividing by XXXX days to get a daily interest amount and then multiply by how many days are in month. The monthly payment is approximately XXXX per Chase When I put into my XXXX or any amortization schedule online if I put in a principal balance of XXXX and an interest rate of XXXX and a XXXX year term. The payment comes out to XXXX per month. 

I just want to have in writing from Chase the language for both ( my variable note and a fixed rate loan and why they are using one calculation versus the other. 


I know my loan is a variable interest rate and has been so for last XXXX years during draw. period. The loan will continue to be variable for next XXXX years during repayment period but Chase should be able to tell me both of these things in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Medical) with EOS Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a medical debt online to the California XXXX XXXX and a confirmation email receipt was received. Neither the collection company nor the original debtor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) would honor the receipt, despite proof of payment. The debt company representative called me and he threatened to " destroy '' me and ruin my credit and said " You 'd better give me your information and pay or else I will destroy you! '' He continued to harass and me and frightened me. I was concerned for my safety. Of course I did not want to give him any additional personal information. I was shocked by the call. I contacted XXXX XXXX ( hospital ) and told them what happened and they said they would not allow California XXXX XXXX to contact me anymore and they asked for the email showing proof of payment. I provided the email with proof of payment many months ago and I am now again receiving collections letters from California XXXX XXXX demanding payment with interest. I do not want to contact them again to try and resolve because I am afraid of continued harassment and that they will seek to destroy my credit, and for a debt I paid. I 'm also concerned XXXX XXXX is not working productively with their contractors and are hiring unprofessional contractors who harass and threaten people to collect debt, and then XXXX wo n't accept their financial payment verification and are now asking for XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (MN).
Issue: Settlement process and costs

Complaint: I took my home loan from US Bank, there was issues in loan fees charges and credit promised by lender in final XXXX document. 

My Mortgage Originator promised me that he will look on to those issues and reimburse me for additional charges which are in XXXX. 
I was not able to resolve those issues in time before closing as Mortgage Originator was on leave and on day of closing he verbally informed me that he will issue credit for wrong charges. 

Later they denied for adjustment and informed me that now they ca n't go back as closing is already done, when I have given option of XXXX correction, they informed me that they will reimburse me through XXXX gift card. 
My closing was done on XXXX/XXXX/2015, they accepted to reimburse through Gift card on XXXX/XXXX/2015 and since then I am following up with them to get Gift cards, and my mortgage originator replying to me that he will get them in week XXXX, but actually never sent them to me. 

I had overpaid {$290.00} than agreed as below. 
I was supposed to get credit {$530.00} ( Platinum credit ) and {$470.00} ( Appraisal fee waiver ), total {$1000.00}. 
But actually I received credit of {$530.00} ( Platinum credit ) and {$210.00} ( Lender credit ), total {$750.00}. 
Also, their was charge {$43.00} for point ( which was never agreed ), so total I over paid is {$290.00} XXXX XXXX - XXXX + XXXX = XXXX ). 
I have all email communications from them.

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 05/28/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: Collection practices are unethical. Collection agency does not care about the client 's needs. I have tried countless times for Westlake Financial Services to Rectify my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got an alert today from XXXX about a collections account. 
I logged on to XXXX to get the information. The company name is XXXX for XXXX Illinois. Address XXXX XXXX XXXX I do not live in XXXX nor did I authorize this account. I have a fraud alert on my report and I have no clue how someone is still able to gain credit in my name with a fraud alert. I want this removed ASAP along with the address attached to it. I included a copy of my ID and my recent pay stub to verify my address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I have called XXXX and TransUnion to correct my credit report. XXXX seems to have got it right. However, I have called TransUnion twice and also written a letter to their CEO to complain about one of their supposed supervisors whose attitude was deplorable and after spending an hour on the phone twice with TransUnion they still have things on my credit report that should have been removed. There are duplicates and the second person did not change one thing that I told her to. She was obnoxious and did not do her job and I am now reporting them for fraud as they continue to not correct the problems on my credit report. They have lowered my score since talking with this supervisor because they did not correct and they added an additional bankruptcy after I have worked very hard to improve my credit score and have done so with the exception of TransUnion. And they apparently did it with the blessing of their CEO. I want this investigated because after my husbands brain injury we have both successfully brought up our credit score and TransUnion has duplicates and has added another bankruptcy and their has been no such occurrence. I 'm sick and tired of the poor oversight on these agencies and with XXXX their is no actual phone number unless you pay for and get your hard copy report and then then they give you a number to call. This needs to be investigated. They have my husbands credit on mine and mine on his. And they have credit that was released in bankruptcy and should no longer be on my report. And they have accounts on their twice in a number of instances. I want them to contact me and we must get this score where it should be. The other agencies have, so what is their problem. And I want the CEO checked out to because he knows it has not been corrected and because he may know this person is allowing the corrections to not be made.

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 08/15/2015 about Consumer Loan (Installment loan) with AQUA FINANCE, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Aqua finance, financial systems of greenbay and there investors are increasing there harassment again. We are a little behind in our mortgage and I guess they think this a opportunity to incorporate there extreme harassment tactics. Since Monday were having problems with our cable service, we 're having major telephone harassment, on yesterday XXXX/XXXX/15 a truck driver driving a semi acted like he was going to run me over and yes he was looking directly at me! The harassment intensified on Monday and is still continuing. There trying to intimidate us into not paying our mortgage there by going into foreclosure and ultimately loosing our home. That was there goal from the beginning and in my opinion AQUA Selling us that defective equipment was a set up from the very beginning! We 're constantly reading various stories on AQUA 'S rip off and complaint web site that show that AQUA is using the same harassment tactics against people all over the U.S. Whenever I case ends up in court, we will reach out to as many of AQUA 'S victims as we can to testify. We will also get as much media as we can involved! We are n't abandoning our house and we wo n't be intimidated!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a letter to Credit Bureau certified in XX/XX/XXXX because I am a victim of Identity theft. I was requesting a security freeze. I sent all the required documents -id, police report, ss card and utility bill and asked specifically for a freeze. I received response back from Equifax and Experian both that instead they placed an Extended Fraud alert and ignored my request for a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I obtained a loan from Bank of America to purchase a building for my medical practice. Due to the economy, I had to close my practice in XX/XX/XXXX and now the building is under water. There is a short sale on the table, but BOA wants me to have personal resposibility for the almost {$200000.00} deficit with a variable rate of interest. At this point, the principle balance has been paid from the mortgage loan, and the interest of 9 % that was obtained by the bank from the line of credit that has now been paid off. Also, I feel there has been a level of malice from the loan officers at BOA, as I have tried to work something out with them since XX/XX/XXXX. On XXXX occasions, I was asked to submit financial statements and tax returns, only to never hear from anyone. My case has been turned over to a private debt collector, even though BOA has its own internal debt collection agency. I would like the matter resolved by the writing off of the balance from the short sale or at least only be liable for the difference in price from the appraised value and the short sale. Due to personal liability, this puts my personal residence in jeopardy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My student servicer was the Pennsylvania Higher Education Assistance Agency ( FedLoan Servicing ). I paid off the balance of my student loans XX/XX/2016. Prior to my final payment, I was able to view my payment history and accrued interest on the FedLoan Servicing website. However, after my final payment was processed, my online access to this information was removed, and I was provided the following message, " We 're sorry - the feature you requested is not applicable to your account. '' I was not informed by FedLoan Servicing that this information would no longer be available. 
I recently started my 2016 taxes, and I noticed that the student loan interest received by lender reported on my XXXX form appears dramatically lower than I would have estimated. Since I no longer have online access to my payment history and accrued interest, I can not verify the amount on my XXXX form. I called FedLoan Servicing, and the representative stated that he was unaware that this information was removed following final payment. I requested a copy of my full payment history and accrued interest, and the representative informed me that this information will be emailed to me, but it may take up to 30 days to process the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Debt collection (I do not know) with New Era Asset Management, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX at New Era Asset Management calls me with back to back calls while I am at work. He is aware I work in a XXXX XXXX for a XXXX XXXX XXXX XXXX. He continues to call and does so without leaving any gap. He also called the main call line and informed a coworker they needed to speak with me. That is strictly against the rules and is common knowledge that you can not take personal calls in a XXXX XXXX. I was approached by management for the infraction and advised I can not let it happen again. This is unacceptable behavior that needs to end. I have been forced to turn my phone to silent and lock it away so if I have an emergency I will not know until I have a break.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have had my account less than 1 year with this bank. During my time with them, I was told many things by the branch. One of those things is that they do n't charge fees on top of fees. Recently I received an overdraft fee and I was told that it was the only fee I would get. They then turned around and charged me an additional {$30.00} fee. Also recently, I used their mobile deposit for a payroll check. They refused to provide me with access to my money and placed a large hold on it. I asked for it to be canceled and I was informed they have no option to cancel a mobile deposit and that they can do whatever with my money they want. They indicated to me that the law allows them to hold a check as long as they choose, however the law also says they have to inform me of that hold. If they choose to hold and not inform me or allow me to cancel then they are violating the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: THE COMPANY XXXX IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE. THE DEBT IS OCCURRING FROM MY FORMER APARTMENT COMPLEX THAT I WAS UNLAWFULLY TOLD TO LEAVE. I WAS TOLD THAT IF I WOULD LEAVE THE APARTMENT IMMEDIATELY MY LEASE WOULD BE BROKEN THAT DAY AND ALL DEBTS WOULD BE CONSIDERED AS " PAID, '' I HAVE DISPUTED MULTIPLE TIMES WITH COLLECTION AGENCY TO NO PREVAIL. I NEED THIS ISSUE TO BE RESOLVED AND DEBT TO BE REMOVED BECAUSE IT IS NOT VALID FROM WHAT I WAS TOLD BY APARTMENT MANAGEMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (I do not know) with PlusFour, Inc (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: About 2 months ago, upon getting a notification from XXXX XXXX that there had been a change on my credit report, i discovered a collections account listed as Plusfour for {$25.00}. I immediately proceeded to look up the company and contact them to resolve the issue, as quickly as possible, since I had never been contacted by them nor did I know what this outstanding debt was for. When I spoke to a representative I confirmed my address ( which was incorrect in their system since I had recently moved XXXX ) as well as my phone number, which was still the same. At that time she informed me she could not discuss my account with me because I was no longer a XXXX resident and they were not licensed XXXX. I told her I understood and asked what i needed to do to proceed. She said they would be transferring my account to a company that was licensed XXXX and that it could be XXXX5 days. I waited almost two week and then called Plusfour again because I had still not heard from anyone and I was eager to resolve this, since this was still a negative remark on my credit score that had lowered my score by XXXX points. Once again I was told that they could not discuss my account because I resided XXXX, but the representative did provide me with the phone number with the company that was now handling my account. I went ahead and contacted the XXXX Debt company and was told by the representative that according to her records they did not have any outstanding accounts associated with my name, SSN or phone number. Once again I called Plusfour this time to inform them that the company whose phone they gave said there were no accounts for me. She verified that she gave me the correct information, which she had. I asked to speak to a supervisor and was told he was not in but that he he would review my account, contact the colorado company and then follow up with me, which he never did. 

Almost 2 months have gone by and I have still never been contacted by anyone in order to resolve this issue. As someone with a credit score over XXXX who has never had an account in Collections before this, I am now infiruated that this negative remark is still on my credit report and that although I have done everything in my power to find out what it is about or how to resolve it, i have been unable to. Plus XXXX never called me once in regards to this account before reporting it to the credit bureau, in fact they 've never called me at all. I would have resolved it before it ever got to this point.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (TX).
Issue: Managing the loan or lease

Complaint: I refinanced my XXXX with my local credit union and payed off account # XXXX with exeter finance on XX/XX/XXXX. I was told the account would show as closed with 30-45 days. This account shows as open with all XXXX credit bureaus still and because of this my credit score has taken a beating. I own XXXX cars with XXXX vehicle loans now which affects my debt to income ratio. Exeter needs to get it together and close this account immediately. Please assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Closing/Cancelling account

Complaint: Capital one closed/locked me out of using my credit card to update the card to a chip. Thus for over 1 month I was unable to have access to my revolving credit as they were unable to send the card during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit card () with Synovus Bank (IN).
Issue: Privacy

Complaint: About two weeks ago I merely started an online application with First Progress, a XXXX secured credit card company. I did not finish the application. I did not make a deposit. I did not fund a secured card. I did not open an account. I did not receive a credit card in the mail. Yet I found out that First Progress intends to send the private and personal information in the application I did not finish to the credit reporting agencies. This is a breach of privacy. Especially since I did not finish the application, did not make a deposit, did not fund a secured card, did not open an account and did not receive a First Progress secured credit card in the mail. When I finally managed to find an actual working phone number for First Progress I explained the situation and I was told that they will forward my information to " only the XXXX major credit reporting agencies '' anyway. The XXXX time I called I asked for an email address to contact them about a serious privacy issue in writing, and I was told that First Progress does not have a customer service email address but I could have the number to someone else to see if they knew the email address because " they 're, uh, they 're like corporate. '' That number turned out to be a fax number. I called back, got nowhere and ended by informing them of my decision to file a complaint.

Company response to consumer: Closed with explanation