milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2015 about Credit card () with AMERICAN EXPRESS COMPANY ().
Issue: Other

Complaint: My only American express account number is XXXX paid in full good standing. The company try to collect a debt of a card that 's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Mortgage (Conventional fixed mortgage) with ARVEST BANK GROUP, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at XXXX ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. XX/XX/XXXX ). Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California XXXX. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. Because of this discovery we have demanded that the trustee cancel TS # : CA XXXX XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, Trustee Corps is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX XXXX XXXX Court XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by Trustee Corps. Trustee Corps was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. It is in criminal violation of XXXX. XXXX XXXX XXXX, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. After receiving no response from Trustee Corps, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.

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 Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I turned Transunion into the fraud department of my bank for removing money out of my account monthly for approximately a year that I became aware of by signing up with online banking. Consequently, between Friday ( when my bank filed the dispute and Tuesday, my score with transunion dropped about XXXX or more points with no change in information. What can I do?

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 10/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EQUIFAX, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: EQUIFAX has refused to remove a debt that I have already proven does not belong to me. I have provided a copy of a written letter from XXXX XXXX XXXX verifying that they have informed EQUIFAX to remove the debt. However EQUIFAX is refusing to comply reporting fraudulent claims in my name and has been doing so since 2013. When I began to contact your office this month, EQUIFAX turned around and began to retaliate against me, ADDING accounts instead of removing the account in question. Now EQUIFAX has added an old XXXX claim in my name despite this information has been disputed before and by EQUIFAX removed. I have evidence that EQUIFAX removed the false claim from XXXX as I have never signed anything with XXXX. I do not understand why EQUIFAX believe they do not have to follow the law. It is ID Theft when you use someone else SSN fraudulently. I have received no evidence from EQUIFAX that I owe this debt, because I do NOT. According to the law, not only do they have to prove their claim they also have to notate the items are disputed which EQUIFAX has failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I mailed a letter to  XXXX  on  XXXX   XXXX ,    2017  about an unauthorized inquiry on my TransUnion credit report from their company. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for a student loan. They sent a letter back dated  XXXX   XXXX ,  2017 , saying I submitted the loan application, but the failed to send me any documents that I did.

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 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
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 I reviewed my credit report and found late payment on the dates below : 90 days past due as of   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   to   XXXX   XXXX   60 days past due as of   XXXX   XXXX  ,  XXXX   XXXX  30 days past due as of   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: APR or interest rate

Complaint: Bank of American charges interest on on purchases which are paid XXXX % on or prior to the due date & even when set up to autopay on due date, they pay a day late ( to themselves ) & collect interest. Most months I carry no balance forward, yet they charge me interest monthly & only retract the charges when I complain. The next month, it starts again with 18.74 % APR. Other credit card companies/banks like XXXX or XXXX do not do this under same circumstances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/XXXX, I faxed Carrington Mortgage a request to have XXXX ( 30 ) day lates removed from my bureau reports. The payments were not thirty days late. The XXXX payment was phoned in on XXXX XXXX, XXXX and the XXXX payment was phoned in on XXXX XXXX, XXXX. My payments have always been made at the end of the month since inception with XXXX Bank in XXXX. I explained that my credit score was XXXX on XXXX XXXX, XXXX and it dropped to XXXX by XXXX XXXX, XXXX due to Carrington 's reporting. The XXXX payment did not report until XXXX. I called Carrington several times and told them I am a XXXX patient and the drop in my credit score has created undue hardship for me. I am not able to refinance my home to bring the payments down or secure transportation to my doctor appointments XXXX miles away. The Carrington supervisor encouraged me to wait for a response from Carrington before contacting the bureaus, because it would slow the process. Thirty-four days later, on XXXX XXXX, XXXX, Carrington finally told me via the phone they refused to remove the thirty days late, because the payments were not immediately applied. I still have nothing in writing. During this time I made the transition from a teacher with 15 years of service XXXX XXXX payroll to Social Security and long term XXXX income, but I always made payments prior to thirty days late. This organization is ruthless. I believe they destroy people 's good credit to attempt foreclosure on them. There lack of courteousness and unwillingness to provide customers with experienced contact resources in applicable departments is testimony to that. Carrington Mortgage does not care! These people are in the business of debt collection and real property acquisition.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: My husband received two credit cards offer from AARP ( through Chase ) on Wednesday, XXXX XXXX, 2017. Both offers were the same, but neither contained the required clearly listed APR, cash advance fee, balance transfer fee, late payment fee, etc. This information is provided on the credit card offer, but in very small print as a footnote to the offer. Most credit card offers, including those I 've received directly from Chase, include a separate Terms and Conditions page which clearly lists this legally required information. I 'm not sure if it 's a violation or just an unfair practice, but I take exception to the way this card offer is hard to understand considering it 's marketed specifically to an older demographic. My understanding of the law regarding fair credit practices is that the separate, clearly readable terms and conditions are required to be included in an offer so that consumers can easily compare and evaluate credit card offers. The law was not followed in this case in a marketing effort toward an older population. That is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (Federal student loan) with SLM CORPORATION (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i have not been contacted at ALL regarding this debt and not given an opportunity to correct or pay this debt. I have not received 1 letter regarding this debt. I would like the opportunity to start paying it and getting it off of my credit report. I would like to be contacted by mail. I am still a XXXX and do n't want this debt to be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Billing statement

Complaint: On repeated attempts I have submitted to Capital One Bank to remove late notices on all XXXX of my credit reports for the time period of XXXX XXXX to XXXX XXXX as my payments were made to a credit counceling company who paid Capital One directly. Prior to XXXX XXXX and after XXXX XXXX payments to Capital One have been in good standing. I have spoke to different representatives of Capital One who have informed me they would remove these marks. I have held the card since XXXX XXXX and have not used the account for multiple years.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I had entered into an income based repayment in XX/XX/XXXXwhile employed and had all federal subsidized loans with XXXX XXXX and then transferred to Navient. It was my understanding that any interest that my payment schedule did not cover were covered by the government for the first three years as per subsidized loans. I entered into forbearance because I was told this was my option if I was struggling to repay even under the IBR. In XX/XX/XXXX I lost my job. I assumed that any accrued interest was being paid for per the IBR during the 12 months of the forbearance. I was still unemployed by the end of the forbearance period in XX/XX/XXXX, and interest was capitalized on the loans upon the end of the forbearance to a total of {$210.00}. I made two months of payments using my unemployment compensation, before I became aware that I could proceed with an unemployment deferment. I remained unemployed from XX/XX/XXXX- the present and during the intervening years I reapplied for unemployment deferment. I still ended up having accrued interest applied at the end of the deferment to a total of {$640.00} which I am unclear as to why this occurred as I was in deferment the entire period. 

I was never informed that I could get {$0.00} payments under the IBR while unemployed, and have {$850.00} in capitalized interest that should n't have been capitalized.

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 EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX 2013, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX 2013 according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have sent payments for the past 6 months. The day they are scheduled to be made they are in pending status not " processing '' or even paid. So currently I accrue interest for an extra few days because they refused to accept my payments date. I have a payment scheduled for today and it says " Pending ''. The money is in my account to be withdrawn now it will not drawn until so I accrue more interest until Monday. I try to make payments early to prevent more interest being gained. Essentially I schedule a payment then they wait two or three days to process it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (IN).
Issue: Managing the loan or lease

Complaint: I currently have a loan for furniture through Wells Fargo. How do I find out if a false account has been opened under my name?

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 09-05-2015 about Payday loan () with Mobiloans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: Misleading, excessive interest rates, lying about reporting to credit bureau. 
When you talk to them and the mailer informs you that you are approved, you get a loan look at the website, it looks like you are paying {$100.00} per {$1000.00} lent which is fair. They ask you the days you get paid, i get paid twice a month, they charge me not {$100.00} for the whole loan but per pay period and deduct {$150.00} each pay period so basically you only pay {$50.00} towards principal. These are loan shark rates. Also, they state in emails that they report positive payments to the credit bureaus. That is a lie, They misinformed me I believe I should only pay {$100.00} like they told me, I have paid the entire principal off when I found out about the scam but {$500.00} in interest for only 90 days of a loan.

Company response to consumer: Untimely response
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX XXXX our mortgage was transferred to this company from XXXX. We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays dateXXXX XXXX and Experian are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.

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 11/13/2017 about Debt collection (I do not know) with Premier Portfolio Group (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Constant phone calls and messages left by Premier Portfolio group to my phone, my wife 's phone and my XXXX young sons. They claim I have an unpaid debt from a payday loan or some nonsense. They threaten to call my employer, take legal action, etc .... 
I 've asked they stop many times. Today I received a call from a young lady named XXXX. Phone number called from XXXX. Callback number was XXXX. I called back because I need these calls to stop and XXXX hung up on me when I said I would report them to the FTC. I called back and said it was unprofessional to hang up on me and asked if the calls would stop. She said that she was n't going to argue with me and she would mark my file. I asked for her full name and she hung up on me again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took out a loan with Salliemae before they spilt with XXXX. I took out what was recommended for my studies and now I will be paying for it the rest of my life. Salliemae and XXXX began charging me ( without warning ) almost {$1000.00} per month for my loans. I had not found a job in my field yet and was already struggling to meet my other bills so on XXXX when my first payment was taken out all of my money was gone and then some. I called and tried to get help but they told me they could not lower payments and could n't work with me. So I was forced to go on deferment as my over 10 % interest rate continued tacking on money to my already sizable loan for a full year. Every month I would call and plead with them to help me get on an income based repayment plan but every time they refused and advised me that, because I was able to pay them {$100.00} every time I went on deferment, that they could n't help so I should just default. I had run out of deferments after a year and was billed once again for almost {$1000.00} ( which I could not afford ) and so I had to default on my loan. A day after my bill was supposed to be due I received a call from a Salliemae representative asking why I had not paid. When I explained the above their response was " Well I do n't know why we would advise you to default, we want to help you repay your loans '' and it was at this point that they finally let me get on an income based program with a lower interest rate. 
However I find that I am not making a dent in what has now become almost {$100000.00} in debt due to my year of deferment and my default. The payments are still unreasonable and at this point Im basically paying off interest rather than the actual loan. 
My school ( XXXX XXXX XXXX XXXX XXXX ) was no better at helping than Salliemae or XXXX. The school gave us no assistance with finding a job after graduation even though there were promises to send us offers or recommendations. It became abundantly clear that the school was in it to make money, not turn out media professionals that it claimed to have done. The curriculum was a joke during my second year and if it was n't for having a few teachers who did n't want to XXXX us over I would n't have learned anything or gained experience that I needed to find my first job ( on my own about 8 months after graduation mind you ). 
Salliemae and XXXX have given false advise and no help when it was desperately needed that has effected my credit score, my ability to get loans in the future, and my general overall well being. XXXX did not provide the education promised which led me to have to fight to get an entry level job in my desired field.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Systems Inc., calls on debts they never owned and do not exist. My credit report is clean, I owe nothing to anyone. They keep calling pretty much daily ; from a different number each time. It is beyond annoying! It is XXXX ( now XXXX ) that sells phone numbers to companies. ( not part of this issue, but the way this company gets peoples info. They never called until I got a XXXX phone number, not a coincidence! )

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Consumer Loan (Installment loan) with Alliance Data Card Services (GA).
Issue: Managing the loan or lease

Complaint: I had a loan with Comenty Bank XXXX. I was referred to them through XXXX. XXXX over billed me and was supposed to make the necessary correction. I was paying the bill every month on time for an original loan of XXXX at XXXX per month. After two year of consecutive payments they added an addition XXXX on my account. I disputed the amount and I was sent a letter by Comenty to settle the bill for XXXX which was paid within the 30 days required for the agreement. I just received a XXXX which is making me file the difference on my taxes. This is not part of the contract I agreed to. According to the parol evidence rule of law ... you can not re-negotiate a contract that is in writing unless it is in writing and both parties agree to the new provisions of the contract ... Well I did not. I was never told about this and as far as I 'm concerned the bill is paid and it has been adjusted on my credit report.

Company response to consumer: Closed with explanation