milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2016 about Debt collection (Federal student loan) with COAST PROFESSIONAL INC (MN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This company called me on my professional work line which routed through my manager. My manager informed me I had a personal telephone call because the collection company refused to release even their name. The caller 's first name was XXXX. I received punishment at work for allowing personal calls to come on my professional work telephone line.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information has been compromised by an Equifax Data Breech. Equifax offered a website to check if I had been impacted, and I was. The impact includes my SSN, DOB, Full Name, and credit card numbers. Their offer was to have one year of credit monitoring, with a company of their choice, free. Choosing this would also bind me into an arbitration clause and not allow me to pursue other remedies easily, later. I do not believe this to be adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX/XXXX/2016 Complaint Department Wells Fargo Home Mortgage Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item CREDITOR SETTLED on XXXX, is inaccurate because it shows a date of XXXX where it was a closed case in XXXX. I am requesting that the item be removed to correct the information as a short-sale not a foreclosure that was settled on XXXX. 
Enclosed are copies of enclosed documentation, supporting my position. Please reinvestigate this matter and correct the disputed item as soon as possible. 
This information is also simultaneously being filed a complaint with XXXX. 
XXXX Sincerely, Your 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 01/21/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: While performing a credit check through XXXX, a new loan just magically appeared on my credit score. I have no knowledge of who bayview loans are. I feel as if XXXX XXXX may have taken the original loan and sold it to this new back without sending any information about all the reports I have filed through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: Around XX/XX/XXXX I applied for a Home Modification Loan through Nationstar aka Mr. Cooper and it would go until XXXX. I paid every month on time. It reduced my monthly payment considerably. Well before XXXX ended I called Nationstar to see what options I had after XXXX was over and they told me that they were going to submit me again for another modification loan. Well I waited and waited and called and called. I finally found out that the second loan modification was denied and I needed to pay {$28000.00} or go into foreclosure. I asked if there was anything they could do and one representative mentioned doing another loan modification. I told him they just submitted one and it was denied. He said well we can try again. I asked if he needed anything from me like check stubs or bank statements and he said no just like the previous time that I was denied. This came back at the beginning of XX/XX/XXXX as denied also and now the amount to reinstate and keep my house is {$33000.00}. I even asked if they could tack it on the loan. They said no and my monthly rate has gone up now from {$2100.00} to {$2200.00}. I have written to XXXX XXXX, CEO and he hasn't responded yet. This just doesn't sound legit to put someone in a home modification loan and then ask for the full balance when the modification is over. Not giving me any time to pay. I have been told that I can't pay payments unless its the full sum of what I owe from the entire year of XXXX. The Loan Modification was {$620.00} a month and I found out they were holding that in an account until during the loan they collected {$2100.00} and then they would apply that toward the loan so during the entire Mod I essentially only made 1 full payment and that is why I owe {$33000.00} for payments, late fees and attorney 's fees.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/XXXX I opened a retail credit line with XXXX XXXX through XXXX XXXX. for 2 years and 6 months straight i never missed a payment. On XX/XX/XXXX somebody used my identity and maxed out my credit card with XXXX XXXX ( {$1300.00} ) I called XXXX XXXX to dispute the charges made and was told by the fraud representative that the investigation was successful and after investigation I had not made those charges. After 3 months of back and forth calling to remove the balance of the successful dispute XXXX XXXX sold the account to a collections agency named Midland Credit Management. This company has repeatedly called me at all hours of the day harassing me to pay a debt that is not mine. I changed my phone number 2 times and still they somehow find out my phone number and call me. I have told them multiple times that this is not my debt and they do not listen. I have disputed this charge on all XXXX credit bureaus with no end results. This account is listed on all XXXX of my credit reports as a XXXX Charge off reporting negatively even after I was told that it was taken care of. I 'm tired of being harassed over this when i never made the charges to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Other mortgage) with RoundPoint Mortgage Servicing Corporation (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I 've had a mortgage with Roundpoint based in XXXX, NC since XXXX of 2014. I have a fixed rate mortgage. They have several times attempted to raise my rates, increase my monthly payment, and then charge a late fee. That issue was finally resolved after several months. Then I make payments through their online system which they will not accept. When I call the company, I am transferred and kept on hold for hours, unable to speak with someone about making a payment for the correct amount. I have been given directly conflicting information about the payment schedule by the representatives. Everytime I am able to speak with someone, I am told to sign up for automatic billing which I do not want to do, as they have often charged me incorrect amounts. Every month its a problem. Finally, this month, I mail all of my household bills off on the same day. Every check has cleared except ( guess who ) Round Point. They called me to tell me they will be adding additional fees to my account for a late payment. Then they said they may have already received it but the " system has n't updated ", in which case, I am still being charged and having a negative report on my credit. I called back to speak with someone after verifying with my bank, and I was put on hold then " disconnected ''. Which seems to happen at such oppurtune times. I think they are routinely and deliberately finding ways to overcharge customers. Every month. I could understand maybe XXXX or XXXX mistakes within this period of time, however, this must be deliberate. I would greatly appreciate any help that could be provided. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Mortgage debt) with Caliber Home Loans, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In  XXXX , we received a  XXXX  for a charged off HELOC. In  XXXX , we received another  XXXX  from a completely different company. We have never received any notification of this until this arrived. I 've attempted multiple times to get resolution, but the company has been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian refuses to investigate the following credit inquiries that don't belong to me, or did not authorized them, they told me over the phone that they will not be able to request investigation! They want me to start chasing these companies instead of them investigate them and delete them as they are the agency reporting these incorrect inquiries. 

Inquiries : XXXX XXXX ON XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/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 01/14/2016 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors. 
-There are no serious delinquency -time since delinquency is too recent/unknown. this is a bogus comment and must be removed. 
-number of accounts with delinquency. There are no delinquent accounts. 
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts. This is totally inaccurate. XXXX accounts have been paid off. balances on other accounts have been significantly reduced, due to increasing minimum payments. 
- I have written credits on inquiries informing them that I do not recognized and request that they be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (I do not know) with Puerto Rico Consumer Debt Management Co., Inc. (PR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: An account that is already expired, is transferred constantly to other collection agencies. This is the third collection agency to contact me. A previous agencies have been told they do not have economic resources and I am a person of XXXX years old. This situation causes me complications with my health.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (I do not know) with United Financial Service (AE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: the United Financial Services sent me a mail says I owe a debt of XXXX to XXXX with another guy name XXXX XXXX. I never rent apartment recently and never been to California because I have been living on a XXXX for a while since I joined XXXX and stationed at XXXX XXXX. I will report to police station for personal identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from XXXX XXXX XXXX in XXXX AL XX/XX/XXXX. I financed the vehicle with Chrysler Capital. I later joined the XXXX. XX/XX/XXXX and requested that the interest rate be reduced under XXXX XXXX App XXXX. They agreed to reduce the interest rate but no longer reported my payments on my credit report. In fact the purchase did not show up at all. When I tried to trade in the XXXX Jeep Wrangler I learned that I had no credit history. No one would accept my trade because there was no record of my having purchased the vehicle and made payments for over a year. Under section 518 of the SCRA a creditor may not take negative action based solely upon my use of my benefits under the SCRA. The act of not reporting my credit is almost if not as harmful as reporting negative credit as it means that I have no credit history. This is a penalty imposed on me by Chrysler Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (I do not know) with Real Time Resolutions, Inc. (WY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My home foreclosed in XXXX of 2010 with XXXX. XXXX had my ex partner and I sign a {$7200.00} promissory note. There were mistakes in it found after the foreclosure. They asked us to sign another promissory note. We declined. BofA never made any attempt to collect the debt for 4 years. My ex partner filed bankruptcy and the debt was not listed even though he double checked with XXXX to be sure. Last year, after four years of the debt not being pursued, XXXX sold the debt to Real Time Solutions, a debt collector. They have been trying to collect the debt from me. I do n't believe it is a valid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Credit card debt) with I.C. System, Inc. (WV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In getting a copy of my credit report, I discovered I have a debt from a company not licensed to collect in my state, per the WV State Tax Department. The company is XXXX 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 08/26/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Delinquent account

Complaint: I applied for a Citibank credit card in XXXX 2016 and paid the first bill. They say I asked for paperless billing, WHICH I DID NOT. They continued to send me e-bills and I ignored them as I thought they were spam. This month I tried to close the account and they said I owed them almost {$4000.00}. I finally was able to download all the bills and found there were {$3400.00} in purchases, {$210.00} in finance charges, and {$160.00} in late fees. I have called Citibank 4 times and was told a supervisor was not available but would call me back. I never got a call back.

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 04/19/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have been calling Seterus regarding a letter a received advising I was entitled to a {$5000.00} principal reduction in my current mortgage. Each time I have called about the status of the reduction, I am given a different answer. 
1. I was told I was calling to soon about the reduction, to wait until XX/XX/XXXX and follow up again. 
2. I spoke to a representative who had no idea what I was talking about, but was able to reference the notations in the account from my previous call, she could not give me an update. 
3. I spoke with another representative who advised me that I would have to wait another 6 years before the reduction would be applied, but after she read the letter that was issued to me she then advised me that she would submit a request to find out where the funds were, and when they would be applied. 
4. One week later I spoke to yet another representative who advised that there was no response to the previous request for an update and that she would submit another request. 
5. I called the next day to request a supervisor. It was at this point that I was told that the government had to release the funds and that was why it was n't applied and that I would just have to wait for it to be applied. I was also told that I was not the only customer calling in regards to this issue. I insisted that I speak with a supervisor, but was instead transferred to a Subject Matter Expert who then advised me that I could not have a single point of contact to follow up with. She also advised that there was only one person who can respond to the requests that were sent for an update on the status of my principal reduction. 
I do n't know why Seterus can not provide and update but I think that I have waited long enough. I would like some answers sooner rather than later.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX it was my last possession that I had of my card. My card was in my wallet and my boyfriend had lost my wallet, he told me about it too late. An unknown person was making a transaction from XX/XX/XXXX to XX/XX/XXXX. I called my bank which is chase, I told them all the info and that I did n't do none of those transaction on those days. They did the investigation. Now they telling I owe them just because the checks and everything its in my area now I 'm being charged {$3500.00} when I did n't even have that much money in my account to begin with in the first place. I did n't autorize none of this and the bank wo n't hear me out because they said that all the transactions were made around my area. That amount of money was n't in my account. Why am I paying for something that someone else did and I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with MARINER FINANCE, LLC (VA).
Issue: Problem when making payments

Complaint: XX/XX/XXXX call in to mariner finance of va XXXX and give my checking account to make payment forXX/XX/XXXX, Allso someone said you can refinance just come in to XXXX XXXX XXXX XXXX VA, and sign and you can miss 3 payment, But l refuse to sign, l was told it will cost me {$2000.00} more to refinance, Mariner refuse my payment forXX/XX/XXXX and XX/XX/XXXX, Mariner finance file Civil claim XX/XX/XXXX, because l refuse to refinace my loan of 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 07/31/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have had my vehicle for 3 years and dealing with Chrysler capital has been nothing short of disastrous. Instead of processing their own payments they use XXXX XXXX which repeatedly screws up payments. I specify that the payment come out of one account and instead these people put the payment through on the wrong account resulting in me being charged hundreds of dollars of overdraft fees. To top it off they then make it so I can only pay via debit card and then charge me a fee to screw up the payments. I am so disgusted with this company that I am looking at ways to refinance my car to get away from this company but now because of their inability to process payments correctly my credit is probably going to be negatively impacted. Not to mention that they repeatedly harass my elderly father instead of calling me and are going to mess up his perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Capital one has listed 2 ccrd account in the amount of {$2200.00} twice, reporting from XXXX. Only one account should be reporting, Please have them remove this erroneous, from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: I called and closed my credit card account. At that time I asked if there were any pending fees, charges, etc that could mean I still owed money. I was told there were not. I had paperless billing on so I was not receiving written statements. Account was closed and 3 months later I received a bill for XXXX {$50.00}. I called up and was told that there were pending fees and now those fees had fees on them because I had failed to pay them in a timely manner. I argued with the service representative and was transferred to a manager who said that because I had been a good customer they would remove all fees, balances, etc. I told them to please note that on my account and turn on paper billing so I could get a record that the account was finally closed and done. One month later I received a bill for {$65.00} including late fees, etc. I called and they claim there is no record of me speaking to them last time and that my only option is to pay the money or watch the balance continue to rise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Closing on a mortgage

Complaint: Short sale with Nationstar 1st and 2nd lien. 1st lien was set to be paid off in full and a short sale on the Nationstar second. Nationstar foreclosed on the property after giving the impression there was no foreclosure date and that they were in correspondence with the first lien. Extension to close on or before XX/XX/XXXX was issued on XX/XX/XXXX and Nationstar foreclosed on the property the same week on XX/XX/XXXX.

Company response to consumer: Closed with explanation