milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2016 about Payday loan () with Remit Corporation (MO).
Issue: Can't contact lender

Complaint: My relative XXXX XXXX used my info to obtain XXXX loans while I was incarcerated. {$360.00} from Remit Corp on XXXX and another {$1400.00} from XXXX XXXX XXXX. On XXXX XXXX all Mo. Doc records will verify I was in prison from XXXX until XXXX, 2015 I ca n't get any help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 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: Information belongs to someone else

Complaint: Please confirm with IRS this is my last XXXX for employment. I was laid off on X/XX/2009. The Social Security Administration have this information on file with my social security number. My employer was XXXX XXXX XXXX XXXX XXXX. Their ein number is on the 2009 XXXX I sent in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Convergent  XXXX , placed an account on my credit report without FIRST notifying me of my right to dispute.   XXXX  They continue to forget the law as this is the 2nd time this company has done this to me.   XXXX  My rights say I have to be notified and given 30 days to dispute prior to placing the item on my credit report.   XXXX  Convergent  XXXX  collection practices are illegal and are continually being used on the American people.   XXXX  I called the company to see what was the bill.   XXXX  I was told that the bill was for  XXXX    XXXX   and  XXXX .   XXXX  I have not received a right to dispute.   This bill has not been verified and validated.   I do not have a contract with Convergent  XXXX  I am in the process of buying a home, and getting my clearance to work.   XXXX  Remove this incorrect collection immediately.

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 01-11-2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My husband and I are not able to file a dispute online or over the phone. I 've tried multiple times and every time it has said that my request can not be processed at this time. I contacted customer service and they keep telling me to call the number I had previously called. I refuse to send my personal information through the mail. I badly need to get my report corrected so I can be approved for a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with EQUIFAX, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a XXXX prepaid plan that I opened before traveling abroad. There is a {$27.00} collection fee being reported by XXXX, but my only XXXX account was closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (CT).
Issue: Deposits and withdrawals

Complaint: on XX/XX/1997 I closed a Savings Certificate Passbook with an XXXX and had the bank issue me an " official bank check '' for the amount of {$1700.00} payable to me. I took the closed passbook and the bank check and placed it in a safe deposit box for a rainy day. I came across this check recently and I called the bank, explained the situation and was told by a manager that XXXX was bought out by TD Bank but they should honor the check being the check is an official bank check. He advised me to open a savings account and deposit the check, which I did. Four days later I was told by someone at the bank that the check has expired ( there is no date listed on this check ) and they will not honor the check. The manager told me the money was transferred over to the State of Connecticut Unclaimed Property. I 've checked with State of Connecticut Unclaimed Property Division and they have no record receiving these funds from neither XXXX or TD bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I took line of credit from washington mutual on XXXX/XXXX/2015 for the purchase of second home that was supposed to be investment property.I had given XXXX as down payment for the purchase of that second home and that money was given to me from washington mutual as heloc.due to crisis in real estate the value of that proprety went down and I could not keep up with a payment.House went on short sale, chase took house.At that time due to all my hardship I applied to modify my line of credit that was only interest rate loan.Chase never wanted to modify my loan but always prolonging the process asking for the new documents and proofs.I was sending on regular basis papers.I had case manager XXXX XXXX telephone XXXX ext XXXX. I was calling him every week to check on my case.In my desperation of not moving forward I paid some legal adviser and helper Colleagues in law to help me facilitate this loan modification.Legal adviser did not do anything for me but stole XXXX dollars from me.In a meantime Chase put me for foreclosure and not only that I did not get help to modify my primary residence loan but I almost lost my primary home.I had to file bankruptcy and pay XXXX more to stop foreclosure on my first and only residence.Chase always stated that I did not send the needed documents or some other issues blaming me and never admitted that the reason they did not modify my heloc was that they did not have any financial interest in it because my XXXX mortgage with XXXX is current and value of the property went up and equity building in my home, perfect for Chase to take my home and help themselves instead of helping resident of Florida attacked by mortgage crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit card () with First Data Corporation (IA).
Issue: Other

Complaint: My wife and I have lived at our new home for 3 years this XXXX. It is a new address in a new subdivision. The only people that have lived at this address is my wife and I. We have received credit cards and letters from credit card dispute departments in someone else 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (WI).
Issue: Taking out the loan or lease

Complaint: CNAC requires payments every 2 weeks but they report monthly and the monthy amount is incorrect. They also reported a payment in XXXX of XXXX even though I returned the vehicle in XXXX of XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (IN).
Issue: Charged bank acct wrong day or amt

Complaint: ADVANCE AMERICA WITHOUT WARNING WAITED OVER 1 YEAR TO SUBMIT CHECK FOR PAYDAY LOAN CAUSING MY ACCOUNT TO GO NEGATIVE. THEY CASHED A CHECK ON XX/XX/XXXX THAT I WROTE ON XX/XX/XXXX AGAIN WITHOUT WARNING.I AM CURRENTLY XXXX AND TOLD THEM AT STORE IN XXXX INDIANA AND GOT A DONT CARE ATTITUDE.I UNDERSTAND THIS NEEDED TO BE PAID BUT INSTEAD OF WORKING WITH ME THEY CREATED A MESS WITH MEDICATION ETC. BY OVERDRAFTING MY ACCOUNT WITHOUT WARNING.THESE PRACTICES ARE DONE BY XXXX MANAGER AT XXXX INDIANA STORE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Credit report showing negative payment history to them for federal student loans however, I never received emails, physical mail, or any other form of communication stating there was a balance or payment due. From all communication originally received, amounts granted were considered grants, not debts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Innovis (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased software from this company which included registering my company name and address. I then downloaded the software. I needed to make a change to my software last year to conform to the CFPB banking guidelines on disclosing my locations to the consumer as required by law. They made the change over the phone. This year I needed to change my address again, and the company told me I had to pay them an additional {$300.00} to update my address and support. I told them I did not want to get support and pay the additional fee. They told me I could not update my account information from the purchase unless I paid NOW for the annual support. They are using this to NOW blackmail people into buying support for the year. I was never told when I purchase this that I would have to pay for software support just to update my address in their system and on my software. I just wanted my software address updated as I did for 3 years at not cost because its just my account address. This was never disclosed and is a violation of XXXX Policies of Bate and Switch. I will also be filing a complaint with BBB and CFPB Banking Violators This should never be allowed to happen to any consumer and policies should be stated upfront if they are now going to hold consumers hostage to collect support money. 

I was my address updated in their system and showing in my software. XXXX XXXX XXXX XXXX, XXXX CO XXXX. 

Thanks addressing this Bate and Switch Complaint! 

XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My Credit Score has been lowered the Credit Agencies ( XXXX XXXX, Experian ans XXXX ) is and has offered an explanation claiming " HARD INQUIRIES '' is and was the reason ( s ) for the Credit Score being lowered. When I initially filed my Complaint with cfpb for this issue I offered my explanation and why I feel the Score should not have been lowered. I have been shopping for a NEW vehicle and the Dealerships as part of the deal making process they always request to check your Credit and with the understanding that my Credit was o.k. I would agree to the check. Also I have open several Credit Card accounts they also made checks into my Credit History. I had and have no control over the manner of the inquries whether they are HARD or otherwise. Regardless, my Credit Score should not be lowered due to how it was made and the number of times its checked. The Consumer should not be penalized for the number of times the Credit History is checked or the manner of the check. It has not been easy to have the incorrect information removed from my Credit History or rebuilding my Credit. Now that I can see a vast improvement the Credit Reporting Agencies want to penalize my efforts by the number of HARD INQURIES which are outside of my control.

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 06/27/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with KEYCORP (OR).
Issue: Problem with additional add-on products or services

Complaint: Received a letter from KeyBank letting me know that my XXXX or overdraft line was being closed because of ownership difference between my checking account tied to the Overdraft line. Line has been in effect since XX/XX/XXXX pre-marriage as a sole acct. I added my husband to my checking account two years ago. Received the letter in XX/XX/XXXX. Went into the bank to open a second checking account only in my name to then tie the overdraft line to solve the ownership difference issue. I opened the checking account and then was later told that the existing XXXX overdraft lines are a product going away and wo n't be replace. So the letter misled me to believe that ownership of the line and checking acct was the reason for the closing of the line but that was a lie. Then the RM has me reapply for a preferred line of credit to be tied to my checking acct. Note this product is more expensive that the previous overdraft line I had which was closed because the bank discontinued the product. Completely deceptive sales tactics and should be reprimanded. Unethical by drawing in clients by closing lower cost products and then telling them to apply for a higher cost product.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a phone call from XXXX XXXX XXXX this afternoon. They used my maiden name, which has not been my last name for 20 years. The woman identified herself as a debt collector for LVNV funding and gave me the amount of the debt. She said she was calling to see what we could do to clear up the account today. I explained to her that this was a surprise to me and that it must be a very old debt and that I have not received any correpondance about this debt. I asked her to send me a letter detailing the debt and she insisted that I had received notifications at my current address. I informed her that I had just taken care of several debts and that if I was aware of it, I would have contacted them to see what could be done about it. I told her that this debt does not show up on my credit report. At this point she informed me that this debt is a judgement and threatened that if I did not make arrangements within seven days, they would attach my wages. She said that she already had the information of where I was working and how much I was making, and disclosed the information to me. I asked again for her to send me information about the debt and then she began to argue and yell at me saying that she did n't believe that in eleven years I never received any correspondence about the debt. I said I may have, but not recently. She continued to yell so I told her she was being very rude and asked to be transferred to a supervisor. I was put on hold and transferre to XXXX XXXX. I informed him of the situation and he sent me documents and also reiterated that if I did not make arrangements within seven days they would be attaching my wages. What neither of them divulged to me was that they would have to file a claim with the courts in order to attach wages and that I would be given the opportunity to defend myself. I feel that this company used threatening tactics to get me to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been paying navient for what feels like forever, I believe its been 5-7 years I have been baying and due to financial struggles I had no choice but to put in forbearance here and there. However, I have been paying but my loan is not budging not going down at all, honestly it feels like it increased, I only borrowed less than 5000 and still after years of paying its only at 4700 something, its not right. Im a single mother and Im trying to pay what I can but im getting no where. I know paying XXXX dollars does n't for 7 years means its paid off by any means but XXXX dollars for a few years should have definitely brought my total down to at least 3000 if not a little less.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Payday loan debt) with Enova International, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX XXXX purchased an account from CashNet USA in XXXX 2017. They are stating that I owe XXXX in outstanding principal and extremely high interest charges. 

CashNet USA was not licensed to conduct business in the State of Virginia and therefore the debt is invalid. 

( And actually over the years I had the line of credit with CashNet USA I more than paid back the principal and the maximum interest allowed in the State of Virginia, had they been licensed ). 

This account needs to be closed and marked paid in full.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Payday loan () with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Can't contact lender

Complaint: Dear sirs, Hello again, my case number was XXXX. The first case I had reported to you was about this collection agency who calls themselves " XXXX '' and that they were continuing to harass me about a debt I had owe. I am now being contacted by another collection agency who calls themselves XXXX XXXX XXXX. Whereas XXXX was using an " XXXX '' area code number to call me this new agency is using a " XXXX '' area code number to call me. This new collection agency called me on XXXX/XXXX/15. They have n't started harassing me as of yet, but I 'm very cautious of them, because they seemed to be operating in the same manner as XXXX did. They caught me totally off guard. I just want to report them to you because they are also starting to harass me about the same debt that I owe. And also, so that you can have an up date on what 's going on. They are call XXXX XXXX XXXX and their number is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LAMONT HANLEY & ASSOCIATES INC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, I paid Lamont, Hanley and Associates {$86.00} to pay an old collection debt in full. I have payment receipt. They agreed to remove the record from my credit report and did not do so. I filed a complaint XX/XX/XXXX and spoke with a rep who stated they would remove the record in 10 days. I pulled my credit report today and the record still appears as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed a car loan From XXXX that i had no knowledge of and they told me to contact the creditor. I sent a letter to them with no response back. I contacted Equifax to let them know by mail what happened and they never responded to my dispute. Inquires that are unauthorized from XXXX XXXX XXXX was not my request and i disputed them and i got a blank letter with only my address and noting about my dispute on it after 45 days from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: RE : Making Home Affordable Incentive Payments With the addition of the {$5000.00} Principle reduction incentive payment ( see here : XXXX ) XXXX issued a letter ( see attached ) notifying lenders/servicers that they send a notice to borrowers who qualify of the option to reamortize or recast their loan. The document specifically states : The servicer must ... 
provide written notice of an option to re-amortize the UPB, excluding deferred principal, over the remaining term of the mortgage loan if at the time of the notice the mortgage loan is in good standing. 
The written notice must be provided at least 60 days, but no more than 120 days, prior to the sixth anniversary of the XXXX HAMP modification effective date ; give the borrower at least 30 days, but no more than 180 days, from the date of the notice to respond to the re-amortization offer ; notify the borrower of any changes to principal and interest payments as required by applicable law ; specify changes to the payment schedule as a result of the re-amortization and total interest to be paid during the remaining term of the mortgage loan after the sixth anniversary of the XXXX HAMP modification effective date, both with and without the effect of the reamortization ; and include the contact information of the servicer and instruct the borrower to contact the servicer if the borrower has questions or concerns about the re-amortize offer. 
Not only did I NOT receive the letter from Ditech, I 've called many times and they will not send the letter. Further more, I was told on the XXXX/XXXX/XXXX when I called in by a supervisor, that my loan did not qualify for a recast! Their customer service reps as well as their supervisors are uneducated on the matter or playing dumb. Of course the consumers can only gain from the recast lowering their monthly payments and the date the PMI falls off which means less money for Ditech. I shudder to think off uneducated borrowers missing out on this opportunity simply because the folks at Ditech refuse to be in compliance with XXXX guidelines. I should have received notice XX/XX/XXXX but I did n't. And I was also told by a rep. that they were not required to send the notice of recast until the incentive payment was applied which is a lie. 

Ditech needs to be investigated and fined for their mishandling of this as well as perhaps thousands of other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is not my debt, you have three diffrent collections against me for {$290.00}, {$320.00}, {$530.00} PLEASE REMOVE FROM MY CREDIT REPORT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation