milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2015 about Consumer Loan (Installment loan) with NCC Business Services, Inc. (AL).
Issue: Taking out the loan or lease

Complaint: it was a rent to own managed by XXXX al.we were told by realtor that payment would be XXXX a month with XXXX down and coul.d buy the property in 2 years.The payment ended up being XXXX a month.We had already moved in so we decided to tough it out for 2 years until we could refinance.the start date was XX/XX/XXXX.Two years later we tried to go forward with purchase at fair market value but investor didnt want to he didnt want to sell at market value he expected the price to go up and real estate prices hit the bottom.so he said to pay him the XXXX a month not to XXXX.I told him that in XX/XX/XXXX last payment we moved to hotel in XX/XX/XXXX and in XX/XX/XXXX rented another place .we had XXXX invested and lost it all thanks to these people.XXXX has the audacity to report this against my credit report and even use the wrong date .They have XXXX delinquency XX/XX/XXXX if you look at my address history you will see we did not live there so could not owe them rent.we left owing them XXXX but after our deposit and payments they actually owe us.They put it with NCC business services ( XXXX ) i have called them with no response.These people are wrong in what they are doing for one thing do n't owe them a dime and they have ruined my credit.This needs to be deleted from my credit file and the fake ledger they kept destroyed.The dates reported are no good just like their company.I hope no one else has to go through this night mare.Do not rent to own people it 's a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: CFPB sues nation 's largest student loan company Navient for failing borrowers at every stage of repayment. 

I am one of the student loan that was affected by this Navient company. is there any forms that I have to fill out?

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (NV).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I continue to get a recorded message that presents themselves as a 3rd party collector on behalf of XXXX. They harass me by calling multiple times in one day play a recording and then hangs up. I blocked the number but they seem to be able to bypass my block and continue to call. the number is 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 07/16/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Application, originator, mortgage broker

Complaint: I attempted to get my house refinanced with Chase Bank. After speaking with XXXX XXXX NMLS ID XXXX, he informed me everything looked great! My credit was excellent, my income and assets were great! After initially telling me the loan was approved, Chase quickly realized it was n't in their best interest to approve the loan, because the interest rate would have declined almost XXXX points. 

XXXX was very reluctant to do any email communications, instead he wanted to discuss the issue over the phone. I own XXXX businesses which are XXXX 's, which basically flows all income through my personal income tax. XXXX knew this up front and it did n't seem to be an issue. I was able to show XXXX over $ XXXX in liquid and I make over $ XXXX a year. My credit score is XXXX. 

When it came closer to the closing, XXXX informed me that Chase could not refinance my mortgage and gave me the following excuse as to why they could n't : '' The guideline states that we can not use business account money for the cash needed on the refinance. XXXX statements have your name of the business and can not be used. 
The only way if you wish to continue with the approval process, is if you can provide me with 2 months bank statements with all pages with just your name on it that can support $ XXXX. " Please note Section 37.13 ( b ) of XXXX Guidelines. 

Since LLC income flows through my personal income tax, I did n't see how this should be an issue, it was simply a matter of me transferring the money to my personal account. But, to circumvent me doing so, he wanted to make sure the money was in my personal account for 2-3 months prior. Since I bank and have all of my business accounts with Chase, they know my banking history and where all my money is located. 

Please have someone look into this issue. I do n't see any reason Chase would have denied my refinance claim. Furthermore, Chase agreed to return the {$570.00} back to me, but I still have n't received that back either. 

Regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (IN).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Had a citi bank Best Buy card. Always paid on time and have always been in good standing. Looked today at balance and called them only to hear they closed my account on   XXXX   XXXX   XXXX     when card was up for renewal. I have never had an issue, always had low utilization on it only to be treated second hand by this company. It is sad when you are nixed by a company being a good customer. Seems like that is n't what they are seeking.

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 01-06-2017 about Credit card () with U.S. BANCORP (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Elan Financial fraudulently opened a credit card account in my name. I made Elan Financial aware of this on XX/XX/2016, and an investigator has still not been assigned. No information has been forth coming from Elan Financial. Their records show return phone calls were made, but they were not, they are lying in their own records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (DC).
Issue: Delinquent account

Complaint: I am filing a consumer complaint against American Express. I have XXXX cards with them : platinum charge card and a blue preferred credit card. I have had a previous CFPB bank fraud case. The case number is XXXX. I have notified Amex about this and how it has affected my finances. Since XXXX, I was able to make electronic repayments in XXXX ; however, American Express removed this option for the blue preferred credit card. I still paid off my platinum card. Well, Amex cancelled XXXX cards this XXXX. I deemed that grossly unfair when the company removed its electronic repayment option for the blue preferred credit card. I had always paid electronically because then the money would be applied to my account faster. American Express can not remove my ability to establish a repayment plan but then penalize me and my credit history in the process. Furthermore, having been an American Express card member since 2012, I had a stellar payment history until this summer. There was no rhyme or reason why American Express would cancel me then harass me three times a day ( from XXXX even on XXXX to XXXX ). Its phone number that it harassed me from is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AL).
Issue: APR or interest rate

Complaint: American Express has changed my promotional 0 % APR to the 29.49 % penalty APR, claiming that a payment by my bank was returned unpaid. However, my bank tells me that this payment was fully honored by them. As a result of Amex 's actions, I have been charged {$54.00} in illicit interest ( in addition to what may be charged on the XX/XX/XXXX statement ), and my {$5.00} payment was not properly applied to my account. American Express customer service representatives have been unable or unwilling to research the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I am set up on Automatic Loan payments to be drafted each month from my checking account. My due date is the XXXX of every month. After asking why they charged a fee to make on-time payments on-line, I was told I could make the pmts for free if I sign up for XXXX online & can choose the option to have the funds deducted exactly 16 days after my due date, which is my grace period for no late charges. I chose this option because it best coincided with my pay dates. However, on XX/XX/XXXX and again on XX/XX/XXXX, the monthly pmt was taken early. In XXXX, it was deducted on the XXXX when it should have come out on the XXXX ( 16 days after my XXXX due date ). In XXXX, it should have been drafted on XX/XX/XXXX yet it came out on XX/XX/XXXX. After this happened the XXXX time in XXXX, I faxed over proof the funds were taken along with a faxed request for resolution and nobody called me back to explain why this occurred. On both occasions, I was left on hold several times, transferred to different depts., including their " Cashier dept. ", yet nobody could explain why it happened. After the XXXX time it happened in XXXX, the team member I spoke with ( XXXX ) at first tried to tell me this occurred because XXXX is a XXXX month, which seemed irrelevant & should not affect the XXXX calendar days from your due date. I was finally transferred to Supervisor XXXX XXXX ( ext XXXX ) on XX/XX/XXXX who opened a research request and promised to call me back. I rec 'd a vml from XXXX the following Monday XX/XX/XXXX, however, I could not get thru to her directly & was stuck explaining the situation AGAIN to someone else on the XXXX who also said they 'd research & get back to me. As of Wed XX/XX/XXXX, I still have not heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I have a unpaid charge card debt. XXXX is now trying to collect on the default judgment against me from Capital one charge card debt. They found out I am exempt from garnishment because on state and federal aid so they are trying non earnings garnishment on my checking, savings and pay from a customer-employer. the court commissioner ruled my pay earnings as defined in the Wisconsin state statue but XXXX has appealed trying to use a unpublished appetite courts ruling as president for

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (I do not know) with Alliance Data Card Services (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Received a voice mail message threatening me ( using incorrect first name ). I was told all communication was documented and legal action would be taken unless I called today. The caller identified herself as XXXX but never identified the company she was associated with. 
I check my credit score monthly and my bank/credit acccounts several times a week - I have NO delinquent credit accounts. 
I have the voice mail message if needed. The phone number left was XXXX, ext XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2015 about Debt collection (I do not know) with The CBE Group, Inc. (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Effective XXXX/XXXX/2015 a XXXX CBE Group has been calling my XXXX work telephone nonstop around the clock. I did a little checking on the internet and it appears as though this is some type of SCAM to get someone to pay someone else 's bill. I have cable and do not have XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian alone with XXXX previously remove XXXX items from my wife and I credit report stating that proof could not be provided. then a couple of months later placed it back on our reports. The companies are using illegal tactics to add them back to the report. I asked the XXXX agencies to please remove them and they refuse to do so after removing them previously.

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 01/18/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I'be submitted a complaint about how deceptive this bank is now charging me overdraft fees for transactions that do not match my transaction history, now all they can tell me is that they ca n't do anything about it. I am sick of this bank, and sick of filing complaints and playing phone tag with its representatives. I just got off the phone with XXXX a customer service associate and as per usual I was told the same thing I have always been told ; " There 's nothing I can do ''. When I asked for her name, she refused, so I asked for a manager and spoke to XXXX, and I asked for her associates name XXXX. I ask XXXX NOT to waste my time by trying to prove me wrong, I asked her NOT to be disrespectful and speak over me, and she did both. I am opening an account under my mattress, I 'm SICK OF DEALING WITH A DECEPTIVE BANK!!!!!!!!!! 

I just want my {$70.00} fees waived asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to the recent news that Equifax has had their data hacked, it is apparent that my information is part of the data breach. Equifax had a responsibility to protect my credit information and has failed to do so. As a result, I am now at a higher risk of identity theft and credit fraud. 

I have initiated a 90 day fraud alert and will be enrolling in ID theft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Other mortgage) with ARVEST BANK GROUP, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I would like copies of Insurance premiums and cashed checks from my mortgage company Arvest Bank. As you can see for the year XXXX and XXXX stick out like sour thumb. You have closed case XXXX with out any merit or have given me copies of the Insurance Premium as well as cashed checks this has ROBO SIGN all over it, Also you have falsified and alter XXXX contract. Please see attached as you have removed the SCOPE OF THE WORK as well as the amount ROBO SIGN again. I have copies of originals Contracts from XXXX XXXX with initials in every page as well as a notary stamp with different dates. Also please see attached a copy of a new Authorization form from my new Attorney XXXX XXXX. This is not a duplicate complaint

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 06/29/2015 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX, 2007 I filed bankruptcy and included XXXX mortgages with Sun Trust. But Sun Trust continues saying i 'm over XXXX days late on this mortgage for almost XXXX years. I am in the process of trying to get a new mortgage now and can not until this clears up. I have written them and spoken to them about removing this from my credit. they are illegally reporting this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2017 about Debt collection (I do not know) with Ray Klein, Inc. (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I received an order of garnishment from the court. The creditor listed is Ray Klein Inc, an  Oregon Corporation DBA XXXX XXXX XXXX. The Original debt amount is listed as {$830.00}. Fees were added in the amount of {$1000.00}. The document states that a judgment was entered against me dated XX/XX/XXXX, 2010. I was not  notified that I had this debt EVER, the original creditor was not listed, and I had no idea a judgment was entered. I can not even imagine what this debt could be.

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 10-02-2015 about Debt collection (Federal student loan) with SLM CORPORATION (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Sallie Mae made 4 robocalls to both my home phone ( XXXX and my cell numbers in one day. I had previously asked that they did not call my cell number but I was fine with home calls. In a discussion with them tonight I felt harassed by four calls in one day especially since the person who took out the loan had made arrangements earlier in the day for payment. She had also contacted them before about payment and is in the process of having my name removed as a co-signer. The person I was talking to raised her voice and told me it was within guidelines to call that many times. I feel her talking angrily and unprofessionally to me was demeaning and unnecessary. I asked to talk to a supervisor. XXXX XXXX, the supervisor, again told me this was not harassment. I feel four calls after arrangements were made is four too many not to mention 2 of them were to a number I asked them not to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Central finiacial control open  XXXX   XXXX ,  2016 . Showing that I owe a balance of {$96.00} on credit report which is not true. The debt was settle and it still shows I owe a balance. Settled debt for {$210.00}, confirmation number is  XXXX . Need account deleted from all  XXXX  credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDCOUNTRY FINANCIAL CORP (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I mailed a letter to Heights Finance Corporation on XX/XX/XXXX about an unauthorized inquiry on my XXXX credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them. 

The company sent a letter back, dated XX/XX/XXXX, saying the inquiry was as a result of an application from XX/XX/XXXX, which I did not do. They failed to send any documents to support their claim. 

I requested the inquiry to be removed from my credit report and they failed to do so.

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 08/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with Indymac bank since XX/XX/XXXX with a {$250000.00} for 15 years. In XX/XX/XXXX, I retired so my income was drastically reduced. My loan was modified for 40 years. My loan was transferred to Ocwen loan Servicing, which I later found out is the same company. According to Ocwen, an escrow analysis showed that I have over {$4000.00} negative balance. My payment was raised from {$1600.00} a month to {$2400.00} to cover the shortage. According to Ocwen there was a {$2600.00} escrow shortage from XX/XX/XXXX that was not included in the modification in XX/XX/XXXX but why will my payments go up by {$700.00} a month and the modification was done wrong by them. No one knows why this happened but they want me to just pay the money. I continue to make my regular payments according to my modification every month because I asked at the town hall if my taxes had increase, they said no. Where did the shortage come from nobody knows.

Company response to consumer: Closed with explanation