milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Md XXXXMy loan turned from XXXX XXXX to XXXX. I had a deferment until XX/XX/XXXX with XXXX XXXX. I received a letter from XXXX stating my loan was delinquent XX/XX/XXXX. XXXX representative said they would do a retroactive forbearance. In XX/XX/XXXX I called XXXX again because it was still reporting late. XXXX then gave a retroactive forbearance from XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2017 CFPB : XXXX XXXX XXXX JPMChase refuses to disclose to me the information about my Residential Mortgage Loans that it has reported under the Home Mortgage Disclosure Act ( HMDA ). I want, and need, to receive all such information. 

Sincerely, XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Medical) with Debt Recovery Solutions, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The collection agency did not send me written statement about XXXX different accounts. Recently, they reported the debts to the credit reporting agencies without ever calling or writing. In the first case, they spoke with me about the dates of service but would not send me anything in writing, so I called the hospital who could no longer provide a statement to me since they turned over the file to the collection agency. In the second case, they simply put it on my report. Reading my credit report should not be the first time that a person finds out about their bill. At the time I was a sliding scale patient at the hospital and had obtained a financial hardship from the Afordable Care Act.

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 02/25/2017 about Mortgage (Other mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been working with ditech regarding selling my home. The property has lost value and the people that have been occupying the property have stop paying. This has cause a ripple effect in my finances and I have fallen behind on payment.s. The person that I was told to contact, ( XXXX ) has been non responsive, Other accounts reps have informed me that they will tell her, however, I recent receive a notice in the mail that the house would be going to auction. I have tried hard to keep the house, until it can be sold.. I have not be able to reach anyone from ditech. They patch my calls to a line, that rings, and rings. with no answer machine. I recently hired a realtor to help me sell the home faster, since the loss of value it has made it difficult

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015 I went to XXXX XXXX in XXXX XXXX to pick up silver jewelry samples that were promised to me to be completed on this date. The company told me I had to pay {$550.00} more in order to receive the silver models. I paid on my Citicard and was told to return the following day to pick everything up. When I went back the company refused to release the silver pieces. 
When I returned to the US, I was sent a contract from the company stating they owned everything. I have not received anything that I paid for. This was fraud by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Private student loan debt) with Forster & Garbus LLP (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I started having communication with Forster and Garbus years ago ( ca n't recall exact date ) when they acquired my account. I tried to arrange payments, but they wanted {$2000.00} before they would speak to me. If I had that, I would not have been in this position in the first place. My original loan with XXXX XXXX XXXX was for {$25000.00}. They came in with a figure of {$29000.00}. After taking me to court, we had settled on a no-interest payment plan. We also had my father removed from the loan as his signature was not legit and was on this document. With hardships at work, I could not afford the payment. After a few months, I received a letter that my payments were to be made to the XXXX County Sheriffs Department. It was to be 10 % of my weekly gross pay. I was paying {$50.00} a week, but had to by Certified Check or Money Order. This was costing me about {$55.00} a month. After sometime, it be came difficult to pay on my low salary with my other bills. After a few more months, my salary was garnished to collect fees weekly, leaving my strapped once again. I had since left that career and sent payment when I could to the Sheriffs Department. Last payment was for {$50.00} plus a {$10.00} bank fee for a Certified Check and that was on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating " We are in the process of searching for assists to satisfy the judgement against you. If non-exempt assists are located, we may send the judgement to an enforcement officer for execution against said assists, unless we can make a satisfactory arrangement to resolve this matter ... '' To try and avoid this, I made an online payment to Forster and Garbus for {$25.00} on XX/XX/XXXX. I also sent an email to try and make an arrangement to avoid any more harassment or enforcement attempts against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit card () with U.S. BANCORP (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: on XXXX/XXXX/2015. i obtain a copy of my credit report and I saw an inquiry made by a company name mid america Bank XXXX XXXX I called the company in XXXX, but they refused to cooperate. The company has engaged in identity theft and has pulled my credit without my consent. I have not applied for a credit card, nor try to obtain any goods from this company. So I decided to file a complaint, The inquiry shows up onXXXX credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Associated Credit Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid on XX/XX/XXXX as the collector states themselves On XX/XX/XXXX the consumer called our office to pay their obligation to our client XXXX XXXX in the amount of {$130.00}. We accepted the payment, processed it, and posted it to the consumer 's account within XXXX hours as explained to the consumer. The account is currently paid in full. Please understand that this transaction was initiated by the consumer only 2 days ago. At that time our office notified the consumer that updates to their credit bureau are performed as expeditiously as possible but can take up to 30 days to reflect on their report. The consumer 's account will be updated to the bureaus as paid in full during our next reporting cycle which will occur on or before XX/XX/XXXX '' No such change has occurred and the collector is still reporting as this collection is open as it still appears on my report as an open collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: I HAVE WRITTEN TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNTS UNDER THE BANKRUPTCY AND STILL NOTHING HAS HAPPEN THEY BUREAUS SENT BACK LETTERS STATING THAT THIS BANKRUPTCY HAS BEEN VERIFIED WHEN THEY KNOW THAT IS A LIE BECAUSE THEY NEVER VERIFIED ANYTHING LOOK AT THE LETTER SENT BACK FROM THE BANKRUPTCY COURT AND THEY SAY THEY NEVER FURNISH ANY INFORMATION TO ANY BUREAUS BUT YET THEY KEEP SAYING IT HAS BEEN VERIFIED THEY KNOW THIS IS A VIOLATION OF THE FCRA THE BUREAUS WOULD NEVER TAKE THE TIME TO GO TO NO COURT AND HAVE ANYTHING VERIFIED SUCH LIARS ONLY THING THEY CARE ABOUT IS THE MONEY THEY GET AND NOT THE CUSTOMERS

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: TransUnion has misinformation on my Credit Report. XXXX XXXX Bank Should show I owe them nothing instead of {$570.00}. After I closed the Account at XXXX XXXX XXXX  they kept adding charges to an already Closed account. XXXX XXXX was also closed with nothing owed And they kept charging the account after it was already closed. 

I want TransUnion to correct these XXXX accounts on my Credit Report to show I closed both these accounts with nothing owed.

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 02/17/2016 about Mortgage (Other mortgage) with GUARANTEED RATE INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX/XXXX/XXXX, we heard about a TV commercial to offer the low rate for refinancing. The commercial stated that how easy to apply for home loan online and get a guaranteed interest rate instantly. The commercial does not say anything about the company 's eligibility requirements such as XXXX credit score, XXXX % debt-to-income ratio and XXXX % loan-to-value ratio. If I had known these requirements, I would never have called them or applied for loan. 
My representative spoke with a Mortgage Specialist of the lender. I was asked to complete an application online. I encountered a system error message and my submission aborted abnormally. I did n't have an opportunity to verify data entered online. We also did not receive a Loan Summary for reviewing the payment and costs associated with the loan. 
On the same day ( XXXX/XXXX/XXXX ), the Mortgage Specialist received my credit reports from the XXXX major Credit Reporting Agencies. 
On XXXX/XXXX/XXXX, the Mortgage Specialist sent an email asking for my XXXX & XXXX Personal and Business Tax Returns ( All Pages ) to determine the exact income. However, due to the system error and the company 's failure to send the Loan Summary containing the payment and costs associated with the loan, we did not feel comfortable in sending the tax returns and going forward with the application. We withdrew my application for refinancing. 
On XXXX/XXXX/XXXX, we sent an email to the Mortgage Specialist notifying our withdrawal of the application. 
On XXXX/XXXX/XXXX, the Mortgage Specialist notified us that the loan was denied due to high debt-to-income ratio. He made this decision without my Tax Returns and using an incomplete application. 
On XXXX/XXXX/XXXX, we notified the Mortgage Specialist that I did not send my Tax returns as he requested ; the online application was incomplete ; he did not have my exact income ; and the application was withdrawn. We asked him why he sent the denial letter after the application was withdrawn. Was his intention to destroy the creditability of an applicant when the application was withdrawn? We requested him to cancel his denial letter. He has refused to cancel the denial letter. We wished to bring this to his management 's attention for early resolution. But, he refused to provide the name of his supervisor also. He informed us that we will receive no further communication from him or his company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing the derog reporting on my credit report. I do not have nor did I apply with the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: i was out in XXXX my card was used fraud, the cc company rebilled everything and said my claim was denied. There was merchandise that was delivered to largo fl i never lived there and its proof these are fraud the investigator failed to investigaor and violated my rights under the FCBA

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (OK).
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: I have filed complaints with XXXX XXXX XXXX and XXXX against Navy Federal Credit Union regarding numerous misapplied payments and payments taken from the wrong account than what was given to the member service representatives. I tried to file another complaint with XXXX XXXX XXXX however they close it as a duplicate complaint even though it is not just a duplicate complaint it is an ongoing and reoccurring issue with XXXX. I would like someone else to address my issues. They are reporting incorrect information to the 3 major Credit Bureaus after I was told by their legal department that I did n't have to make a payment until the complaints were finished however that too was a lie on XXXX behalf. Access # with NFCU XXXX. After Numerous attempts to get the incorrect reporting resolved on all three credit reports XXXX XXXX does nothing to fix these issues just closes the dispute saying the information is correct. Their legal department advised me not to make a payment while prior investigations we going on however XXXX XXXX said that they do n't record calls in that department for legal reasons and that they have no record of say such XXXX XXXX XXXX was the party spoken to XXXX. They probably do n't record them to cover up their corruption. All three credit cards with XXXX XXXX need to have their slate wiped clean for all the misapplied payments and errors that XXXX XXXX has created. They also tried withdrawing funds from the wrong account to clear the negative amount on my checking account now they froze the account to where I ca n't do anything online even view statements or make payments on existing credit cards. I can only due that over the phone in which they charge me fees to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Payday loan) with Premier Recovery Group (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a call from XXXX XXXX. At first he said he was from XXXX solutions and then he said he was from XXXX XXXX XXXX and he was calling from XXXX XXXX XXXX. He said I obtained a loan in XXXX. I did not receive any loans or credit in XXXX of any kind. He had my previous address and social security number. He threatened to call my employer and file a lawsuit. I asked him for his address and he refused to give it to me, told me I was being uncooperative and said I would be hearing from him. I reported this to the FBI who informed to contact the CFPB.

Company response to consumer: Closed
Consumer complaint received 05/28/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Other transaction issues

Complaint: I sent a Western Union transfer to an employee from my business account. The employee is in XXXX. The transfer went out to XXXX. The place where the employee is XXXX XXXX. When he went to pick up the money, he could n't get it because he is in XXXX XXXX. I called Western Union and they claim that they ca n't do anything but to cancel transfer, and I have to wait 1-7 days so that the hold can get off account before I can get that money to sent again. This is an emergency and I do n't understand if they are Western Union why does it have to be so difficult to change the location.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MD).
Issue: Problems when you are unable to pay

Complaint: In XXXX I signed a contract to purchase a car with Ally Financial through XXXX XXXX XXXX. My XXXX payment was due XXXX XXXX, 2015. In that time, I suffered some financial difficulties and could not make my minimum monthly payment. I spoke with a representative of Ally to notify them of my situation and hoped that we could make alternative arrangements until such time as I got back on my feet. I informed them I could n't make the minimum monthly payment of {$170.00}, but I could make at least {$100.00} payment every month. The company refused to lower the payment amount, and is now harassing me with telephone calls asking for payment. They call me on my cell phone, they call me on my work phone ( State agency ), and they call my home number which is no longer in service. They have at least XXXX different representatives call throughout the day, every day, seven days a week. They are also sending me threatening letters in the mail, telling me that they will repossess the car if I do n't pay the minimum amount every month and make another payment to catch up what 's left. I am doing what I can to ensure they are at the least getting something. I have no alternatives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems when you are unable to pay

Complaint: Was let go from my job. Can not start my new job till I sell my house. Which is being sold for {$170000.00}. Which is paid off in full. I have been harassed by Bank of America, being call at least 20 times in less then two weeks. I have spent at least XXXX hour if not 2 hours every time Bank of America calls. I have explained everything to every department 2 times, explaining my situation. Also went up to bank of America three times to fill a complaint. Was told today after speaking with upwards of XXXX people, only way to stop the calls was to fax a number to stop calling me. Also told them soon as my house is sold, was going to pay it off in full. I only owe {$9000.00} on my truck. And it 's worth {$25000.00}. Since I had my truck, i have paid double and triple payments at one time. Also paid XXXX dollars every XXXX when I get my bonus. I asked for help, asked what I could do. Finally today after who knows how many calls and people who I have spoke with. Was told to fax the number, but I have 5 days till I get turned into the credit bureau. After I paid half a payment, and told them my situation. I closed my checking 's and savings account there, because of the lack of help I was receiving. I 'm going through the same thing with XXXX, and they have offered me a two months extra to catch up. And I 've only talk to them two times. On Friday alone I was called four times, after speaking to the loan department supervisor. Not to mention I have been in a Bank of America customer for over 16 years. And have never missed a payment or never owed Bank of America any money. So with five days left now, tell my credit get s A bad report. After speaking with numerous people. I could 've sold my truck and avoided all of this. If XXXX of the XXXX people I had spoken with would 've told me this from the beginning. I have asked over and over what to do how I can make things better. We 're just for some help. I feel like I was lied to, and suckered into getting a bad credit report by Bank of America. Because they were mad that I close my accounts with them. If I was told I was going to get a bad credit report from the beginning, I could 've sold my truck or traded it in. And none of this would be happening. Bank of America has harassed me for the last two weeks. And not XXXX person has told me the same thing after speaking with over XXXX people. And being transferred from department to department to speak with somebody else who does n't know what 's going on. To be transferred again. And be put on hold for hours at this point.

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 11-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I was told by a neighbor that my house has a " writ '' against it and that was reported in the XXXX newspaper. 
Wells Fargo does not hold the mortgage. 
I have a modification agreement with XXXX. 
How can they keep doing this to me? At what point do they get fined and sanctioned? This is now harming my professional reputation XXXX a small business owner. I want to know how I file for damages against Wells Fargo

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