milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am aware that I owe the debt, originally to XXXX. On the first call to me by the Debt Collector, Credit Management, LP., I entered into a monthly payment arrangement, making the first payment during this conversation. After that I began receiving phone calls beginning with the usual caveat about the conversation being recorded, etc. Finally I had had enough and I told the caller I was current with my payments and to stop harassing me. Now I am receiving one or two calls a day. My caller ID shows the phone number XXXX and the location " United States ''. If I answer, there is no one there or occasionally I hear voices in the background. My current balance is approximately {$50.00} which I will pay in full when I receive my Social Security payment. The collection agency is Credit Management , LP XXXX XXXX XXXX, XXXX, TX XXXX. I hope my credit is not damaged by this collection company since I am making payments. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to resolve this issue with Chase for MONTHS, regarding account number XXXX, which is related to a short sale done on XXXX XXXX XXXX XXXX, Ca - My previous CFPB complaint yielded some attention from chase, but they conducted an investigation on the wrong account. After sorting though their error, we ascertained that they indeed conducted an investigation on the wrong account, and they opened up a new executive case # XXXX - then I spoke to XXXX, and she agreed that due to the short sale being done on this property, California law protected me from any XXXX Lienholder deficiency balances or claims. She assured me the debt would be canceled out and I would receive written confirmation within 10 days. After not receiving any correspondence I call back again today, and they were unable to locate my executive case number, and to my grief, they said my account had been assigned to a third party collection agency! Wow, we went from " we are sorry, debt is being cancelled '' to " your account is no longer in our office, it has been assigned to collections. " I am disgusted, exhausted, and upset. Luckily, I have the call recording when I spoke to XXXX at Chase which I will be uploading for your review. Please, somebody do SOMETHING about this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have had my mortgage with Ditech for many years, dating back to when they were Green Tree ( I believe that was their previous name ). I went through a divorce that was very difficult both emotionally and financially. The result was that I missed a few payments but was working with the team at Ditech to help me keep my home. At least that is what I thought. I worked with multiple representatives in the process and called frequently. I was asked to submit documentation that included, but not limited, to my divorce papers, my taxes, my employment, a letter of hardship, three months of bank statements, and the bills I inherited from my divorce ( alimony/child support/house valuation/etc. ). I faxed over a package and called them back to ensure they had received it and they confirmed they had but wanted some documents uploaded onto their website which I complied. I informed Dirtech that I could begin payments again on XXXX the XXXX and they assured me that they would work with me to keep my home and that there were multiple options they would work with me on. I called, as promised, on XXXX XXXX to begin making my mortgage payments again ( while the review I assumed was still going on ) and I was informed that Ditech no longer had my loan and that they had turned it over to a firm called XXXX. They said they had mailed me a letter but they did not and my history proves that every time I received something from them I called right away. I kept an open line of communication but I feel like Ditech lied and deceived me the whole time. This has caused me tremendous grief and disappointment. I was never informed of Ditech 's disposition of my request for relief and just the opposite, was continually told by multiple representatives XXXX XXXX, XXXX, XXXX, and XXXX to name a few ) that they would sincerely help. I am in a position now where I can begin payments but the new company is still counting my last payment for XXXX versus working with me on a new plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (ME).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: While living in North Carolina around XX/XX/2011 I considered filing for bankruptcy. I sent for the paperwork and submitted it and then was told the information was incomplete and could not go further. At the same time I received a good job offer and decided not to pursue the bankruptcy any further. I thought the matter was closed when upon review of my credit report, I find that the bankruptcy was listed as dismissed. On 3 different occasions I wrote to all XXXX reporting bureaus asking that this be removed. I did so using certified mail and each time the response was the same, they ca n't do anything about it and so it has to stay on. I have gone to great lengths to rebuild my credit since XX/XX/2011 and returning to the work force yet this error keeps hanging over my head. 

Please have it removed from all credit reports. Thank you.

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 01/31/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (NC).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2015, PNC Bank accessed my XXXX personal credit report. PNC had no permissible purpose to access my report. I have no business relationship with PNC. I have never applied for an account with PNC, or otherwise had contact with PNC. 

I do not believe this to be an issue related to identity theft. I believe PNC knowingly and willfully accessed my report improperly for the purpose of offering me credit, and did so without my permission. 

I wrote to PNC seeking an explanation for their impermissible viewing of my credit report. PNC did not reply to my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: We are coming out of a bankruptcy and XXXX XXXX turned over the account to Navient. My complaint is that this company sent correspondence ( e-mail ) to us that went to junk mail. We never received nothing through the mail. No phone calls. Than on XX/XX/2016 we received a automated phone call ( SCAM ) I thought. Turned out I 'm late on payments that I did n't even know I had. I will be contacting the Ohio attorney general and also with my State Rep.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Other debt) with First Advantage LNS Inc. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I contacted National credit audit requesting a pay in delete agreement. When I spoke with the individual XXXX she read my the attempt to collect verbiage on my first call I told her my concern and asked kindly if she could help. She said they could pay to delete if fully payment was received, I indicated I did not have the funds for the full amount owed and would be willing to settle to pay to delete. She said well we cant do that. I said wel I can not afford to pay the debt in full unfortunately. She said well thats the only time we will offer this to you with attitude. I said well thats a little rude. She then proceeded to say no youre rude for not paying your debts. I felt very attacked and asked for a supervisor. She stated no one was available and hung up on me.

I called back again and asked for a supervisor but was transferred to XXXX again about 5 minute later. She said no XXXX theres no supervisor and in the beginning did not read the attempt to collect verbiage. I said that is not allowed to my understanding and you shouldve read it first. I believe she violated the collection laws by not reading the verbiage but also attacked me for being kind and honest in that I could not afford to pay today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and even though Ive provided a police report to Equifax and over 6 disputes since XXXX XXXX, Equifax refuses to remove a fraudulent account by the name of XXXX XXXX XXXX and XXXX both removed XXXX XXXX  within 48 hours of me disputing it along with my police report back XXXX XXXX. Equifax states that XXXX XXXX verifies my DOB, address and last 4 SSN. They have no signed contract or paperwork showing that I ever authorized an account with them and I was told whoever opened the account did so online. XXXX XXXX is now showing closed/ charged off on equifax and has drastically dropped my score and is preventing me from obtaining favorable credit. This is not my account nor did I ever authorize it to be opened in my name. I have filed a complaint with BBB of XXXX and with the FTC. Equifax is violating FCRA and I want this fraudulent account removed from my credit file immediately due to identity theft and they have my police report on file.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone opened up an account in my name that I never did I 'm only XXXX and never had an account before

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 06-02-2016 about Payday loan () with Bliksum, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out an online loan in the amount of {$5400.00} on XXXX/XXXX/2015. I have since paid a total of $ XXXX-with monthly payments of {$490.00} ( and XXXX still due ). When speaking to the rep on the phone I was advised the interest rate was 110 %. In later review of the loan docs I am finding that is an annual percentage and the total amount paid back ends up to be {$42000.00}, this is obviously not what I thought I was in for. In recent research I am finding these types of loans are not only unethical but illegal in the state of CA, Please review to determine if anymore than the principal balance is legally due. I can not pay $ XXXX and not sure how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: After buying a home in 2004, the mortgage eventually ended up being serviced by Specialized Loan Servicing , LLC. I have requested that they remove the PMI since my loan is below the 78 % LTV figures and have provided my PMI disclosure that was signed at closing stating that it will fall off after getting to that amount. However, SLS says that they wo n't remove the PMI even after 3 months of trying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: For some reason my mortgage company XXXX is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60  days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XX/XX/XXXX the next payment that was reported after that was 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 02-06-2017 about Bank account or service (Other bank product/service) with VALLEY NATIONAL BANCORP (NJ).
Issue: Making/receiving payments, sending money

Complaint: On Saturday XXXX XXXX We my wife and myself attempted to have coins redeemed at Valley National Bank in XXXX XXXX NJ that my wife 's father had accumulated over the course of the year. 
We had meticulously counted the money and the total was approximately XXXX. The bank personnel assisted us by pouring the money into the counting machine. During the transaction the attendant stopped the machine and loaded an empty back to accept coins. 
After this the machine totaled XXXX cents. I have contacted the bank to no avail. 
Someone is either scamming the machine or it is miscalculating the amounts. 
I am a retired XXXX and am not unfamiliar with unethical behavior. I can be contacted at XXXX my Name is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Debt collection (I do not know) with ABR Recovery Services LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recevied a call from ABR asking to pay money i do not owe. person wanted my social security number when i refues to give the ss #, she threatened to report negative to my report. now i recevied a notice in the mail dated XX/XX/2017 askin to pay {$1800.00} which i do not owe to ABR Recovery or any one else.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was affected by the Equifax hack that occurred in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2017 and widely reported on X/X/17. I have used the site Equifax set up to identify if your information was compromised ( that 's www.equifaxsecurity2017.com ) and was given a message that confirmed my personal details may have been leaked. I am using Equifax 's complimentary ID theft detection offered through said website via XXXX, and have already put a 90-day fraud alert on my credit reports. That said, the fact that this data breach happened at all is a company wide failure, and further action should be taken by CFPB to ensure higher protection standards for personal information and a clear account of how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: i XXXX XXXX XXXX XXXX have sent complaints to all three reporting agencies about debts that have refused to verify the  debts.  on XX/XX/XXXX a letter of discovery requesting proof of acknowledgement; copy of signature on agreement ,or  acknowledgement of debt document. also requedted was copy of 1 bill of deliquency of debt, and/or debt total ./ repeat letter was sent XX/XX/XXXX, and certified letter in XX/XX/XXXX . all requesting the same thing to these debtors;XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX. amt $XXXX org. creditor XXXX XXXX XXXX XXXX.  XXXX XXXX acct # XXXX#2   XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX  amt $XXXX XXXX XXXX XXXX XXXX. XXXX XXXX acct# XXXX. equifax acct# XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit card () with ERC (MN).
Issue: Other

Complaint: I have recently apply for a mortgage and I was informed that there is negative or derogatory account reference ERC. I Received a phone Call from ERC for a debt they calm i owe for my XXXX account. I wrote a written request for validation with my signature for this account and not succeeded in respond from them and still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus. I request for validation with my signature or timely remove the their record from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/13/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease

Complaint: Santander Consumer USA is charging me more interest and fees than what was disclosed in the contract. This is a breach of contract and several violations under the truth & lending laws under State and Federal. They are also charging me add on fees and late fees that were n't disclosed. I also called the about my payment being late and I was told they would let me skip XXXX payments and just add it to the end of my contract but instead to this day XXXX/XXXX/2016 it 's showing I am behind {$1200.00}. Also I wanted to payoff the loan which the payoff should be around {$17000.00} but Santander is telling me the payoff is {$20000.00} which is another violation in the truth and lending. How can Santander USA get away with all the crooked Business they are doing??? I have read over XXXX complaints about this Business Please CFPB do something. I might just find a Class Action Lawyer to go after them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with Lockhart, Morris & Montgomery Inc. (NM).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: The debt collector continues to call all my family members and harass them. They shared personal private information with family members and friends. I 'm embarrassed, and humiliated. Iv e asked XXXX repeatedly not to contact my family and she continues to do so. Iv e asked her to stop calling me and she continues to do so. I 'm unemployed and homeless. I live on the street. Please make it stop. I do n't know where else to turn. My name is XXXX XXXX XXXX. Email is XXXXXXXXXXXX and the debt collector number is XXXX ext XXXX. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: On XXXX/XXXX/XXXX I discovered XXXX XXXX, XXXX has been re-inserted into my credit file after being removed. I was not notified within XXXX XXXX XXXX XXXX days of re-inserting a previously deleted item. I did not receive any such notification. 
This account was reported on XXXX/XXXX/XXXX to Better Business Bureau and it was removed from credit report after results of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've disputed several incorrect accounts on my credit report for late/missed payments and accounts not belonging to me, but to someone in my household. They continue to reply with they will not reinvestigate and/or remove this information.

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 (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: There was fraudulent activity on my account where I had money ACH transferred out of my Capital One savings account into some prepaid debit card account. I made the calm to Capital One, I never head from the investigator even though I left multiple voicemails and a few months later I got a letter saying my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been put on multiple deferments and then made to jump through hoops including signing up for at least 3 other sites and then rejected for IBR because I was told the IBR is only for people who 's loan payments are over 50 % of their income.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Deposits and withdrawals

Complaint: I had charges processing on XXXX/XXXX/15 which would have put me in overdraft. At XXXX on XXXX/XXXX/15 my SS check was deposited ( processing ), none of the charges had been posted, they were still processing. Today XXXX the charges showed up as cleared on XXXX/XXXX/15 which also charged a XXXX overdraft fee. That transaction showed up as still processing at XXXX on XXXX/XXXX/15. Also at XXXX it showed my SS deposit as XXXX then all the charges. I believe that Bank of America is manipulating deposits again to get overdraft fees. I can not print my on line acct to prove that. I have received in the past refunds from BOA manipulating overdraft fees. I 'm tired of this!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief