milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: After signing in to   XXXX   XXXX   for an extended period of time I noticed that they was a public record for a bankruptcy. I have never filed for a bankruptcy ever! I am not sure where they credit bureaus are getting this information but it is incorrect. I sent all  XXXX  bureaus a letter requesting they provide me with documenation used to validate this bacnkrutpcy but they did not they just sent an updated copy of my credit report stating tha the account was verified and updated. At the time indicated on the public record I was not even risiding in the state Maryland so it would virtually impossible to file a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Federal student loan) with Texas Guaranteed (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: TG continues to call me multiple times per day, as early at XXXX and as late as XXXX. They continue to call even though I have asked them not to. They called my employer and proceeded to ask them personal information about me and where I live. They even asked my employer to verify my Social Security Number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 01/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with A.R.M. Solutions, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The collection company keeps calling our business, employees, and their relatives after the written dispute of debt. The first notification of the alleged debt was received by our business on XX/XX/2016. The certified letter disputing that debt was sent to the collection company on XX/XX/2016 and was received by them XX/XX/2016 according to post office records. The debt verification still not provided, and abusive calls continue.

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 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a lease with my apt XXXX complex and paid all of XXXX rent and had a termination fee due at the end of XXXX. The asst. manager contacted me and said if I would move out within 3 days all fees would be forgiven. The people wanting the apt needed it immediately. I received a letter from National Credit Systems Inc for {$2100.00}. for failure to pay the apt XXXX company National credit acct. # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Rewards

Complaint: I signed up for the Bank of America XXXX XXXX card with a signup bonus or XXXX points after {$12000.00} spend. I chatted with a bank representative named XXXX on XXXX XXXX who confirmed with me that I was {$500.00} shy of spending {$12000.00}. I proceeded to complete the spend immediately. BofA claims I did n't hit the spend. XXXX mislead me by giving me inaccurate information. I deserve this bonus as I did exactly what I was told by BofA representatives.

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 02-11-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company is refusing to remove my PMI insurance even though I meet the XXXX rule. I received a new Appraisal on my home and the new ratio is 77 % on the loan balance. The ratio is 79 % on the original loan amount. I have tried numerous times to get this removed and am getting the runaround. My last call they told me it had to be 75 % which I have never heard before and they can not show me where it states this. In my loan paperwork it states 80 %. No one is returning my calls and customer service claims they cant help me - the Escrow Dept only can, yet they do not have any direct way to get in touch with them. Someone is supposed to call me back and no one is - I 'm at a dead end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: XXXX   XXXX ,2017 :Starting in  XXXX  of 2017 we (my name and my companies name) have been receiving chargeback documents from Chase Paymentech,   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: APR or interest rate

Complaint: I received a American Express Card offer in the mail. The rate disclosure about their penalty APR says : " The ( penalty ) APR may be applied to new transactions on your account if : 1 ) you make one or more late payments ''. If Amex is applying their 29.49 % penalty APR after 1 missed payment, they fly in the face of the CARD Act, which states " Card issuers generally are prohibited from increasing the interest rate on an existing balance unless the cardholder has missed two consecutive payments. '' I have been a XXXX for 40 years ( probably one of the oldest on the planet! ), and I witnessed my clients struggle due to many of the credit card abuses. I was thrilled with the passage of the CARD Act, and I am reporting American Express because I do n't want the industry slipping backward. I will keep the offer and the Truth in Lending Disclosure in case it 's needed as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America has illegally re-aged XXXX accounts and is reporting this negative and incorrect information to the credit reporting agencies. They are reporting a new date of first delinquency XXXX/XXXX/2012 this is absolutely inaccurate and incorrect.

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 05/22/2015 about Debt collection (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This debt is not a federally backed/guaranteed loan. It is be reported to the credit bureaus beyond XXXX years. Also it is beyond NY statute of limitations XXXX XXXX years XXXX to collect a debt. This debt has been written off/ closed by the company. But still being reported to the credit bureaus. I have never made a payment on a this debt in its history. 

XXXX A Summary of Your Rights Under the Fair Credit Reporting Act ) Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more XXXX years old, or bankruptcies that are more than XXXX years old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Media Collections, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX has been trying to collect a debt from me which I did not incur. Many years ago I had an account with them, but it was paid in full when terminated, and I have not had an account with them for years. This is what I told them each time they called. 
Today I received notice that they have turned this over to a collection agency, Joseph, Mann and Creed.

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 07-05-2016 about Debt collection (Mortgage) with Harmon Law Offices, P.C. (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX of Harmon Law debt collection stated in letter dated XXXX XXXX, 2016 that if within 30 days, I dispute the debt, submit debt validation, or request info on the debt, that by law he is obligated to cease collections. Harmon Law signed certified return receipt XXXX XXXX, 2016 and failed to respond to debt validation, QWR, Dispute of charges. Rather than answer by law per his own letter citing the law, XXXX XXXX has gone to Commonwealth of Massachusetts Division of Banks with unclean hands, decieving the court indicating he has complied with the law conducting all procedure prior to advancing foreclosure, has illegaly obtained signature from the XXXX, on the Soldiers Relief Act, which allowed him to serve " Order of Notice '' to advance his illegal foreclosure. It is imperative that his behavior be investigated and stopped. He obviously KNOWS the law, because he had it in his letter to me, which is how I based my comminications with a 30 day window. I wrote to him immediately and he signed for my QWR Dispute Debt Validation within 48 hours! This ilegal aggressive attempt to take my property without regard for my rights is directly violating federal debt collection practices. He must be stopped. Please assist me on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: IQ Data International is reporting to XXXX, XXXX, and XXXX XXXX   that I have an outstanding balance with XXXX  Apts for {$2600.00}. I have spoken with the manager at XXXX apartments, XXXX XXXX- ph # XXXX, and she tells me that I resolved my balance with their community. I have explained this to IQ Data Systems, but they are telling me that they will not take this collection account off of my credit report unless I pay them {$2300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with CITIBANK, N.A. (IN).
Issue: Rewards

Complaint: Citi sent me a new credit card offer in the mail, addressed to me, for XXXX XXXX miles for signing up for a new platinum credit card if I spent {$3000.00} in the first 3 months. I have previously had a similar card that I 'd closed and I assumed they were offering this to get me back as a customer, so I applied and was approved. I then spent over {$3000.00} in 2 months, meeting their requirement. Then after waiting a few months without the miles showing in my account, I called them. They said that I was disqualified before they even sent the mailer to me because I 'd had a similar card within the past 24 months. So they sent me the offer, knowing that I did not qualify!! It 's false advertising to send me a directed mailer with a promotion that I do n't qualify for, then approve me for the product without any notification that the promotion is not valid for me. I was led to believe by the directed mailer and the card approval, that I qualified for the offer. I do n't have a problem with the fine print, per se, but I do have a problem with the lack of notification since they are the ones that determine when/if someone qualifies and these rules probably change all the time, as it probably says in the cardholder agreement. I asked them what they could do to fix this and they said it would be reviewed and I may get the miles granted still, and I would get a letter with the result. So, I waited for the result of the review and instead, received a worthless restatement of their policy : " Thank you for contacting our Customer Service Team. 
Bonus Reward Rebates are n't available when an existing account in the same product has been opened or closed within 24 months. 
If you have any questions or are in need of further assistance, please call '' This practice is at the very least, deceptive.

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 11-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I recently received several letters from a company called NAVIENT. the letters state that I now have student loans with them. I called to inquire using the account number on the letter. I asked what these loans were but the representative and supervisor could not validate these loans. they have no promissory note nor my correct date of birth. they asked me to send them copies of my social security card and drivers license. I do n't own these loans and I have no idea who or what this is about.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX XXXX XXXX with an outstanding and way overdue balance. When I received a large check from my employer upon my retirement several months ago ( XXXX 2015 ) I contacted XXXX in XXXX of 2015 and spoke with a young lady named XXXX XXXX in the Collections Department. I explained to her that I had come into some money and wanted to settle with XXXX as it is and was the only negative item on my credit report. She pulled up my account and said my outstanding balance was {$920.00} which included several layers of late charges and penalties. She gave me a figure of {$780.00} and explained that XXXX would accept that amount as payment in full for the debt. I immediately paid that amount through my credit union on line. I received a letter from XXXX on XXXX XXXX, 2015 stating that XXXX had received the payment on XXXX/XXXX/15. She also stated that the pertinent information would be sent to the reporting agencies to reflect my payment to close the account. Apparently this was n't done -- or not done properly because it is still affecting my credit score. Please look into this and see what can be done to alleviate the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MD).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On XXXX XXXX at XXXX I deposited XXXX $ worth of bitcoin witch was {$180.00} at the time I sold it to the USD wallet, At XXXX $ ( witch was fine ) on XXXX/XXXX/XXXX XXXX XXXX I tried to add my bank and when I was answering the security questions it said it was wrong when they were not, I have added my bank before and It worked fine. So then I tried to add my routing number witch then did not work witch was the correct routing number.So at that point I couldent use the money to by bitcoin then sell it to my XXXX then transfer to my bank. I contacted them multiple different times different times the first time they gave me the same answer over and over again I could never get A strait answer and they took my money!

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (ID).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America bought out my mortgage from countrywide. While XXXX to XXXX I got behind and bank of America allowed me to do a 5 year loan modification program at 3 % and stated as long as I made all payments and stayed up on my payments at the end of 5 years I could then do another loan modifaction/refinance at a similar rate. At the end of 5 years and not missing any payments and fulfilling all obligations bank of America refused to refinance and assigned my loan a 9.5 % interest rate. Sometime during the 5 years bank of America quit doing loans on my type of home which is partially a manufactured home with additional wood construction. I was not given any options or choice, bank of America refuses to refinance leaving me stuck with an obscene interest rate. So even though I was told that if I full fill all of my obligations in the terms of the 5 year refinance I would be able to refinance at a competitive rate. This refusal was not because of anything I did but because bank of America decided they no longer finance this type of home. I have made numerous phone calls to bank of America and every time I am told there is nothing they can 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 11-05-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: I have been communicating with Wells Fargo Home Mortgage since XXXX XXXX about selling my home through short sale and then by deed in lieu in order to avoid foreclosure. I was asked to send multiple copies of the same documents several times, with Wells Fargo staff saying that they did not receive the documents or that I needed to send new documents in order for the process to proceed. I complied with all of their requests, but in the end, Wells Fargo first said I qualified for a short sale, then changed their minds and told me I did not qualify for a short sale. There were multiple offers on my home during the process and Wells Fargo rejected all of them. Now, I am supposed to be in the " deed in lieu '' process. Wells Fargo staff informed me that the title of my home was not clear, thus stopping the process until the title was cleared. I purchased the home 10 years ago and the title was clear. There are no liens on my home. I am still waiting for answers to the deed in lieu process and would still like to sell my home through the short sale process. It seems Wells Fargo is putting up roadblocks to this sale at every angle. Even when complying with their requests, something else always seems to come up to stall the process. I would like to find a solution to this process. Wells Fargo business practices are shady at best. This is unfair and damaging to consumers who do business with Wells Fargo in good faith.

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 10/26/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We had an approved trial plan with XXXX. Our loan was transferred to PHH. PHH refused to honor our loan modification. We made all trial payments on time. I am attaching a fradulent statement sent to us by PHH. They bhave since refused our payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: About 10 years ago, I took out a {$230000.00} home equity loan on a rental property located at XXXX, XXXX, CA. My interest for the loan for the first ten years was 4.24 %. I have now been informed that my new interest rate will be increase to 6 % without having been told of this fact when I signed up for the loan ten years ago. When I originally signed the loan, there was an 18 page document which I signed which was hidden and stated there is a 8 % margin on my loan after ten years which was never explained to me. I have contacted Wells Fargo over 20 times during the past ten years for a clarification as to when is a " margin '', but no one was able to explain it to me. There was a complete failure to explain or disclose to me what impact a " margin '' would have on my loan after ten years. I am a XXXX senior and I feel that I have been misled and deceived into agreeing to a bad, fraudulent loan.

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 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Trans Union has reinserted information regarding my car loan with XXXX. XX/XX/2016 it was reported as deleted but XX/XX/XXXX/XX/XX/XXXX XXXX XXXX reported that Trans Union had reinserted the negative information. In addition, it also appears that the information that Trans Union is reporting is inaccurate suggesting that I am 3 months behind on my car note. Consequently, it is impossible to be more than 30 days behind with XXXX XXXX because at that point that tag your name and put it on some collection list.

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