milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (UT).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I got a call from a company called XXXX XXXX. The gentlemen on the phone stated that is was in arbitration for over {$5100.00} due to fees and that I was unwilling to pay. I told the gentlemen that all I asked for is a proof of debt to see if it was mine or my Ex. He stated that send I responded to no correspondence ( I received none ). The were going to start taking money out of my checking account and put a lein on my home. I kept on asking for proof that is all I wanted. He told me he would call US Bank Dba and I could ask the amount and if it was a joint account. That he would just put the phone on mute. I did n't think anything of this. Until I started to talk to the lady at Us Bank. I forgot the last XXXX digits of my account and the collector whispered it to me. The lady heard him and asked if there was a person on the line with us? I said yes and she said stop talking there can never be another third party on the phone with us and the know that. She said please hold. The collector came on and said he was going to hang up and call me back. He did this. He than got mad at me for telling the bank he was on the line again. Than he told me that this time to not say he was on the line. I to, d him that I did n't feel confortable calling the bank after they said nit to. After disagreeing for five minutes. He finally gave me the number to US Bank. I called the bank and spoke to a lady. I told her what was going on. She told me never to take with them in the phone because they ask for private information. She than stated that my account was closed by error and that it was purged. That it was n't sold to a third party because their was no negotiate balance. I asked her again if that was right? She started yes. I than called the collection company back like I promised. I told him what the lady said and what her name was. He said he had to verify it and that I might of misinterpretation. I told him how could you misinterpret that. He said he had to verify it. He than said he called the bank and I owe and he was going to succeed with legal proceedings. I asked him on what for a debt I do n't owe on? I told him to send me proof of debt and I would be more than happy to go to the bank. That they said I do n't owe anything and I was going to believe the bank over a guy on the phone. He said its too late for that.

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 06-10-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My bank does n't send information quick enough to  XXXX  app. That 's my money. No excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Enhanced Recovery keeps billing for an old XXXX account that was discharged with a bankruptcy. XXXX used XXXX collection agencies, the other XXXX removed the information from my credit report after receiving my letters - Enhanced Recovery has not. I am attaching letter I sent to XXXX and to Enhanced Recovery requesting they remove this negative collections information from all XXXX credit bureaus. I have also made numerous, numerous phone calls both to XXXX and to Enhanced Recovery and I 'm always told the account will be removed from my credit report but it never gets done. Enhanced Recovery has violated the law by continuing to report this debt. I think the account # is XXXX ; however, Enhanced Recovery is using a different number that begins with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I spoke with XXXX and XXXX and they told me that Confirmation number XXXX can not be viewed on the completed Equifax investigation online dispute website for me to see the results from the investigation dispute I filed ... However, XXXX told me verbally that the creditor reported accurate information on my credit report but can not verify it in writing on their website .... I 've been told by XXXX or XXXX that I will receive information in writing 7 to 10 business days and I never received any mail correspondence from Equifax. Please make sure Equifax is reporting information fairly and accurately ... .. Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I took Wells Fargo mortgages to court over 3 years ago and they still have not applied my payments correctly. The judge had to call Wells Fargo every month from I beleive if was from XXXX XXXX thru XXXX XXXX to get Wells Fargo to follow the stipulations on judge XXXX 's decree in my favor. Finally on XXXX XXXX they said they did everything the judge told hem to do. 
They did not do what the judge told them to do. For he next 3 years they have not applied my payments to my account. I have made my payments according to the judges decree. I 've made my payments, when I make my payments and let 's say for example my payment coupon/statement would say I am XXXX in arrears, I make my payment and it now says I am XXXX in arrears even though I just made a XXXX $ mortgage payment. My decree states that from this point forward that I XXXX XXXX will XXXX my payments as such : there is no balance plus payments to be paid, just my payments. 

Ive called Wells Fargo and the open a resolution, but every time they send me back a list of all payments received which does not include all of my checks received : I provides them proof of all my payments and they just aend me their itemized liar XXXX payment received and then they close my case. They do not even look at what the judge has decreed. They just throw if write back at me when the judge had to keep calling Wells Fargo dos 3 months for them to get their act together : I then reopened my lawsuit with Wells Fargo and the judge order them to lay me XXXX $ this was XXXX $ for each of my XXXX loans. 

I finally ended up doing a loan mod on XXXX of my loans and they again tried to foreclose on my home even though I made all of my payments. Now they are trunk to foreclose on my rental property. Wells Fargo does not follow judges order and they take no responsibility for their actions. 

XXXX of the things Wells Fargo responded was that payments were to begin on XXXX XXXX for both my properties. Actually the court documents state payments are to begin XXXX XXXX. I had started an inquiry in XXXX XXXX I beleive and every 2 weeks I received a new letter stating they needed more time to investigate this went on for over 6 months

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 03/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I contacted this collection agency after viewing a collections account I was unaware of on my credit report. I explained the situation and stated that I was not interested in negotiating but rather would pay in full, pending receipt of notice that the account would be deleted from my credit report. The agency told me that the apartment complex who sold them the debt would have to remove it from my report. After speaking to the apartment complex and credit bureaus and finding this information to be incorrect, I called the collection agency back and explained the situation. I asked the agent to mail me the afformentioned letter, but he was pushing to have the account paid TODAY, which I understand as sales person is a common sales tactic, and likely the only way he will personally yield a commission from my payment. I explained to him that I was the one contacting them and I was interested in paying once I received the letter, regardless of whether it was hand delivered today or I got it next week ... He IMMEDIATELY raised his voice, started talking over me, became very unprofessional in his tone and demeanor and began threatening to take legal action against for for " attempting to barter ... '' Which from what I understand is not only not illegal, but I 'm also not bartering as I legitimately NEVER received a bill for this unknown debt ( charges for an old apartment following a move out ) and only know of it from accessing my credit report. Again, I CALLED, with FULL WILLINGNESS to PAY IN FULL, and was countered with abusive language and lack of professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax compromised the credit of more than half of American adults. They then offered a " credit monitoring service '' for one year in a minimal attempt to address their lack of security and mishandling of private info never supplied by consumers. I signed up for the service after identifying that my account was compromised. Their website told me ( after having waiting until my " window '' for activation-XX/XX/XXXX ) that there was a problem and I would have to activate by phone. I tried that but there lines are so tied up that the info message instructed me to handle any issues by computer so I 'm basically in an endless loop. I then sent them an email on XXXX in an attempt to address their faulty system and to request assistance in activating. It has been more than two weeks and I 've received no response at all. Their monitoring offer expires next month.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage out of XXXX, TX was paying the incorrect amount to FHA/HUD for my PMI. They have adjusted the amount of my PMI insurance drastically without being able to give me an explanation as to why. I contacted my local HUD dept and was given the amounts of my PMI monthly payments and they have not changed. My loan is only XXXX years old. The PMI is part of the loan schedule and slowly goes down, not up. When trying to discuss this issue with NationStar they transfer me from person to person and no one can help me. I 've litterally been on the phone with them for about XXXX hrs. No one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: XXXX charged me. i never authorized that charge or even get their credit card. after calling them repeatedly i was unsuccessful. i filed a dispute with TransUnion. The response from TransUnion on XX/XX/2018 was that they reinserted in my credit report with no explaination.

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 06-09-2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Managing the loan or lease

Complaint: I obtained a loan in XXXX of XXXX for {$5000.00} from Avant. While in the process of applying, I realized the interest rate was very high ( 36 % ). I was very uneasy about accepting the approval but was trying to mend my credit so I asked about the ability to have the loan refinanced internally after a period of time to have the interest rate lowered. When speaking with a representative, they assured me that if I met a few compensating factors, I would be able to refinance and have a lower interest rate applied to my loan. The factors are listed below : Request at least an additional {$1000.00}, maintain the same or better credit status and income situation. I have continually tried to refinance with every application resulting in a decline. I have asked numerous times for reasons for the decline and get the run-around from customer service. I finally received a valid answer last year, that it had not been a year since origination and they advised I wait until after a year to re-apply for a refinance. That I did. When I re-applied, I was declined again. I requested reasons for the decline and this was the response I received : 1.Income insufficient for amount of credit requested 2.Limited credit experiences 3.Presence of BK 4.Length of time revolving account has been established too short In response to those reasons please see below : 1.I make more money now than I did in XXXX of XXXX 2.I have had credit since XXXX so I 'm not sure the reasoning behind that explanation 3.I had a BK present on my credit at the time of origination for the original loan. 
4. I do have XXXX new credit cards but I have had revolving credit for over XXXX years. 

Here 's my complaint ; I feel as though they trapped me into this loan. if I knew that I would be unable to refinance the loan for a lower interest rate, I would gone a different route. I believe that my recent applications are being intentionally declined so Avant can continue to unfairly collect a high rate from me. I had no idea what I was getting into when I signed up for the loan. The process was very quick and confusing and I feel stuck. The representatives are very unhelpful and unknowledgeable when I call and ask for an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Having met the promotional offer requirements, I am eligible for 30,000 Delta skymiles. American Express is contending that I am not eligible because I had a similar card in the past. Although I applied for the card under the promotional offer, Amex did not inform me at the time of approval that I would not be eligible for the promotional offer. Only after inquiry, Amex is now telling me that I had a similar card in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2016 about Debt collection (Credit card) with CFS2 Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: my foreclosure is in 1.5 hours from now. shell point is telling me i did not supply my documents in time. i just emailed the supervisor XXXX proof of an email that i sent everything in on XXXX and again on XXXX and sent in the hud and all other documents in. into XXXX shell point stated they have everything. as in a purchase contract hud offer and all the financials. They had them and in order to order an appraisal for the bank shell point has to have all of the documents. they have them all and an appraisal was conducted. now before this foreclosure auction they tell me we do not have enough time. this is absurd is this because i am XXXX & gt ; this is not fair. i am going to contact legal counsel. this jerk XXXX is literally fighting with my counsel on the phone. please postpone the foreclosure date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I called XXXX XXXX Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know. 
I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with Equifax and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX, 2017, I received an electronic communication stating that Capital One 360, an internet based bank, wanted to transfer my money to an undisclosed third party. The bank stated that they placed an electronic block on the account. Therefore, I did not have access to my account. To this date, they refuse to remove the electronic block. They also stated that they closed the account without evidence or due process. They also refused to provide records such as bank statements. The checking account number is XXXX. The account still has funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CFPB, Back about 18 years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about 8 months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX. I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX ), they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX. Eventually, after at least a dozen credit denials, a mistake was made by either XXXX, XXXX, or XXXX  approved one of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX. Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try again.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had my student loans through XXXX XXXX ( now " Navient '' ) for a number of years. Unfortunately, around XXXX of XXXX and shortly before, I experienced significant financial hardship and reached out to Navient to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XXXX XXXX. I did not know of IBR, and I thought that I was okay ( according to the Navient Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ).  I believe, that if I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " Navient '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of Navient 's exceptional customer service that I received recently. I 'm hoping that Navient understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XXXX XXXX. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I am trying to refinance my home and it is eligible as a XXXX refinance. The existing mortgage has mortgage insurance. So, the new harp refinance must carry the existing MI. The Existing MI company is XXXX and they are no longer in business and they have indicated the policy has been canceled 1 month after my loan was originated. When I call my servicers they transfer me around for hours with out providing me any answers to whom the current MI provider is so that I can complete my refinance. My current servicer is Seterus.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Information was compromised by Equifax when they were struck by a cyberattack that may have affected up to 143 million customers from mid-XX/XX/XXXX through XX/XX/XXXX of 2017. I have placed a fraud alert on my account, and am debating applying for Equifax 's PremierID service. Equifax has set up a website, equifaxsecurity2017.com, to help customers identify if their account was potentially stolen.

Company response to consumer: Closed with explanation