milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: APR or interest rate

Complaint: I have a very small company structured as a partnership that has been in business more than 30 years. We have had a credit card account with Chase since XX/XX/XXXX. XX/XX/XXXX, our interest rate was suddenly increased by 10 percentage points, to 23.15 %, a 76 % increase. 
We did n't see this increase right away. After we did see it and Chase refused to talk with my office manager/accountant, I put off calling because I knew this was going to involve considerable time, which I do n't have most of the year. It has indeed involved a lot of time -- two days so far. 
On Friday, XX/XX/XXXX, I called Chase simply to ask that the interest rate on this card be lowered to where it was before it was increased. The supervisor I talked with, XXXX, refused to lower our rate and said there was no one at Chase that I could talk with who could do this. Our only option was to write to Chase to express our displeasure. I am doing that at the same time I 'm submitting this complaint. 
According to Chase, our rate was raised because of XXXX late payments XX/XX/XXXX and XX/XX/XXXX. But as the attached scan of the relevant statements makes clear, we never should have been charged either of these XXXX late payments. 
The first was a payment we supposedly did not make on XX/XX/XXXX ( for {$520.00} ). However, we did make this payment on XX/XX/XXXX ( {$800.00} payment ). We purposefully paid early and paid enough to cover upcoming charges, including interest. 
When we got a late fee notice for this payment, we went ahead and paid the " past due '' amount of {$520.00}. This should have been seen as our XXXX payment, as notated by my office manager/accountant on the online payment receipt. At that point, our " minimum due '' payments for XX/XX/XXXX ( {$520.00} ) and XX/XX/XXXX ( {$580.00} ) added up to {$1100.00}. However, our actual payments added up to {$1300.00}, {$220.00} more than the amount due. 
Nevertheless, we were again charged a late fee on XX/XX/XXXX. In response, we made a {$1100.00} payment on XX/XX/XXXX. On XX/XX/XXXX, we made another payment for {$5000.00}. On XX/XX/XXXX, we made a payment of {$2500.00}. 
Despite having paid Chase nearly {$10000.00} during the previous five months, starting in XX/XX/XXXX, Chase raised our rate to 23.15 %. Chase also did this despite the fact that, prior to XX/XX/XXXX, we had no late payments for at least two and a half years ( as far back as we have printed statements ). 
I 'm sure Chase will say that our payment of XX/XX/XXXX could not be applied to our XX/XX/XXXX payment because we made it three days too early. As a result of that, we have had to pay more than {$3000.00} in additional interest, despite our long credit history with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX I checked my credit report and all of my inquiries was deleted. I logged in today and all my inquiries are back and it caused my score to go down.

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 06/22/2017 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I am contacting your office to file a complaint against Lakeview Loan Servicing. They have taken over my FHA mortgage loan from XXXX XXXX and have been difficult to deal with. Our family went through some hardship and temporary loss of income and missed some payments on our FHA loan and have been trying to fix the problem with Lakeview. The issue is that we keep getting transferred from one person to another at Lakeview and they have failed after several months of trying to open any type of review of our information for a workout. I know that there are supposed to be several different programs available for homeowners who are struggling with FHA loans, but Lakeview Loan Servicing is not giving us a chance to be considered for any of these programs. Instead they are difficult to communicate with and seem more interested in pursuing foreclosure than in trying to work with me to fix this problem. <P/>I live in this property with my husband and son and daughter in law and their XXXX children. I was able to buy this property and qualify using my monthly income from my position as a XXXX XXXX, but the plan was for my son and his family to contribute towards the monthly household bills in order to make things work. Unfortunately, not long after we closed the deal my daughter in law lost her job. I held things together for a few months but soon was in a position where I would default on this loan with XXXX. I contacted XXXX and was put into a trial plan and I began making these payments with the expectation that my daughter in law would find work but she did not and I was not able to fulfill the trail modification payments. As a result I was kicked out of the offer. <P/>A few months later our financial situation changed and improved and we began trying to get XXXX to work with us. We then found out that our loan had been transferred to Lakeview Loan Servicing. I  began trying to contact them in order to make this situation right. I was told that they would not accept my regular mortgage payment, and that the only thing I could do was to repay all the late payments and attorney fees and late fees all at once. This was not possible. <P/>Their agents told me they would open a review of our case, but then our point of contact kept getting changed and it seemed that we were constantly getting the runaround. We could not make any progress and I dont think a review of the current and correct financial information was ever conducted. As a result, we are now falling into foreclosure. <P/>I dont know why Lakeview Loan Servicing is denying me access to these FHA programs. Why is my family not being reviewed for a partial claim, forbearance agreement, repayment plan, restructured loan or another modification? I dont understand why I cant even get a straight answer out of their loss mitigation department.

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 01/16/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have sent Equifax XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had paid this debt off on an agreement almost XXXX years ago from this same company. Now since I have applied for a XXXX XXXX card, they have contacted me almost everyday saying that I owe them money. I explained that I had no idea what they were talking about, that I do not owe them anything. They read off my SSN, address, & phone number! It was creepy. I paid all my old debts off when I was going to apply for my mortgage at the time. To top things off, there is nothing on my credit report about this debt either ... .and why? cause its paid off. This was settled all that time ago, why now are they trying to double dip?

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX we started having financial difficulty due to a large reduction of income ( 50 % ), increased housing expenses and medical bills due to a child 's XXXX injury. Since then we applied for a loan modification on our own, no attorney involved, at which time we were turned down for too much income. We then hired an attorney and applied for another loan modification that has been ongoing since XX/XX/XXXX. Of course we filled out all necessary paperwork that was needed asap, but the servicer still asks for the same paperwork over and over to this very day. We must get letters, XXXX or XXXX a month stating our file is incomplete and we have had over XXXX dozen case managers since the start of this all. For fear time was running out, our attorney said we needed to file XXXX XXXX Bankruptcy, which we did. During our filing, we were under the impression that we did n't need to make payments to the trustee until the BK was accepted. That was incorrect and the BK was therefore dismissed. During the few days we were not under bankruptcy protection, the servicer PHH foreclosed on our property without our knowledge. We never received notice here at our home nor did our attorney. We went in front of the judge to reverse the decision as we were still awaiting our modification loan response and were denied. So the bank legally owns our home, while we are awaiting our modification answer. We have filed XXXX lawsuits against our bank trying to explain that the sale was done illegally, without any knowledge of the sale and dual tracking. We have since had to file a XXXX bankruptcy to stay in our home which was denied due to the fact that we do n't own it any longer. All during the foreclosure process we have had contact verbally and through email with PHH, still giving them all the required documentation for the modification loan. So to that end, we do n't understand how our home was sold beneath us? How they can be reviewing our modification loan and still foreclose? We want to keep our home. We have n't gone through all of this. XXXX BK 's, several lawsuits, precious time and expense to just " buy '' time. We have XXXX young children who were born and raised in this home, with the same friends and in the same school system. I hear that banks do n't want to foreclose on homeowners however what else do we have to do to get our home back and our modification loan that we so desperately want??

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. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was leaked by Equifax, and I now have to lock everything down and for the rest of my life my SS # and all my financial information will be in unknown hands.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX sent my credit information to various banks without my consent giving me more than XXXX hard inquiry like they stated i would receive. They kept on sending out my credit report a day after i had already turned down their offer. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Of the XXXX credit reporting agencies at www.annualcreditreport.com, only XXXX will let me access my information online. 

EQUIFAX will not allow me access online. First they ask for information which you would need the credit report to know. What is more alarming is they asked me to answer which company I got a mortgage from in 2015 to verify my identity. I did not get a mortgage in 2015! Now I ca n't get access to my credit report to see if there has been identity theft! To submit a request for my EQUIFAX credit report through the mail will take weeks, at best. 

XXXX is even worse. Submit a request for the annual free credit report via www.annualcreditreport.com for XXXX, and you get a full-screen solicitation to purchase XXXX credit monitoring service for {$19.00} a month with NO OPTION to go beyond that page except accepting the free trial offer, which brings you to their enrollment for credit monitoring page. You simply CAN NOT access the XXXX credit report from www.annualcreditreport.com. They not only wo n't provide my credit report, as required by law, they TRY TO SELL ME SOMETHING INSTEAD! Unbelievable!!! 

Please enforce the rules requiring the credit reporting agencies to provide a free credit report to consumers each year. 
Consumers should not have to jump through ridiculous hoops and wait weeks to get what is rightfully theirs by law. 
I also think it is vastly inappropriate to have solicitation offers be linked or connected in any way to www.annualcreditreport.com. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WI).
Issue: Managing the loan or lease

Complaint: Account number : XXXX I had a balance in XXXX XXXX and paid what I was told the pay-off amount was. Then Santadar reported the {$4.00} late at XXXX days! They also sent me a REFUND check # XXXX for {$330.00} in XXXX XXXX for an OVERAYMENT! I disputed the XXXX late this past XXXX, and they made it worse by changing the account to " Charge Off '' ( {$4.00}!! ) with an incorrect date of XXXX XXXX. Account was paid and closed in XXXX! They must remove the account not reporting correctly from all XXXX bureaus, of both mine and the joint borrower immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have mailed a copy of the letter I received from the bankruptcy courts stating that they do not report a bankruptcy for me to any credit reporting agency.   I have sent a copy of this to Experian, but they refuse to take it off the report.

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 Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted XXXX And disconnected service. I spoke to a lady who tried to convince me to stay. I told her no way, XXXX is awful. I started using XXXX. A month later XXXX sent me a bill. I called them XXXX times and complained. They then sent me to collections. I have just received a letter from diversified consultants inc. Stating they are trying to collect XXXX debt. I am not paying for service that I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax is showing my   XXXX   XXXX   student loan that was opened on   XX/XX/XXXX   as currently past due. This information is incorrect. The account is now current. The account did become 30 days late in    XX/XX/XXXX   , but payment was made and a current status should have been reported  for  XX/XX/XXXX ,  XX/XX/XXXX , and now  XX/XX/XXXX . T he account is still current. The account has been reflectin g 30-59 d ays late sinc e  XX/XX/XXXX . A dditionally, there has not been any updated reporting since   XX/XX/XXXX  . This inaccurate reporting by Equifax is affecting my credit worthiness. I am requesting an IMMEDIATE status update back to current as the account is now current. Additionally, I am requesting that account payment history be updated f or  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . The statu s has been accurately updated by   XXXX    and    XXXX  . Equifax has neglected to update the status.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report from Experian has an address listed for me that I have never lived at nor had any association with. I would like this inaccurate information removed from my credit report.

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 04-10-2015 about Debt collection (Auto) with Farrell Holdings, LLC (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Prime Acceptance Corp makes call after call all day long from multiple phone numbers! I own a business and it 's very disrupting while I 'm trying to talk to my customers! They harass my wife in the same manner and she works in the medical industry!? This harrasing disrupts her while trying to deal with patients! This is not border line harassment it 's full blown harassment! 

Oh wait a minute! If this is not enough! If I do n't answer they call the people that you used for references and ask them where we are and are we going to pay our bill! BTW I HAVE WITNESSES!!! 

I am going to talk to my attorney and see if I can file a lawsuit tomorrow! No more Mr nice guy here! We have been putting up with their unprofessional, harassing behavior long enough! I need someone that can stop their bullying tactics and shut them down! 

Unfortunately some people respond to their harassing behavior like " We will reposess your car if it 's late 3 days if you do n't pay! HAPPENED TONIGHT! I do n't respond to threats! I told every person that I talked to today that I would make XXXX out of the XXXX payments! XXXX XXXX is a supervisor and she told me I 'd better change my attitude because she was the Collection supervisor and she would take our car off repo hold and start repossession action! 
Our loan is 3 days into the XXXX payment! 

We got behind because of the time of the year in our business and Ipaid {$2600.00} in the past 60 days and became current! I would think this should have shown our intentions and capabilities to these Harrassing Collection XXXX ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: XX/XX/XXXX approximately XXXX XXXX sent email about the problem to XXXX XXXX XXXX XXXX credit card. I called at XXXX XXXX XX/XX/XXXX about the problem as well. I explained that according to the balances on my promotions which are no interest if paid in full by a specific date, the balances are exactly the same each month and I pay XXXX a month which is just a few dollars more than the monthly payment. I explained to the customer service agent that the balances were not changing by even a XXXX from one month to the next. Customer service agent said that payments would be applied and a certain amount would be on each balance. I explained the balances were exactly the same each month as though no payments were being made. Customer service agent still holds that the payment is applied to each different balance and in order to pay it so that deferred interest isnt charged for an amount that would run out on XX/XX/XXXX XXXX. Looking at statement on all promotional balances, XX/XX/XXXX statement, XXXX, XXXX, XXXX, XXXX. 
XX/XX/XXXX statement, XXXX, XXXX XXXX, XXXX There were no changes from month to month. With a payment of XXXX a month even if other money is being paid, how is there not one XXXX going toward these balances. Its like they intentionally apply no money to these balances so that the deferred interest of 28.5 percent will be added to your balance when the date of XX/XX/XXXX is reached. How is this any klind of promotion. I understand paying the balance to avoid interest but this makes it a situation where no matter how things are done the consumer has to pay the entire balance of what was borrowed to avoid the interest payments. So if I borrowed on the original balance XXXX regardless of XXXX a month payment every month, I would have to make an XXXX payment that I specifically tell them to apply on this purchase. XXXX was original amount borrowed, At the least this is deceptive, at the most its intentionally making sure the balance always reaches the promotion date so they can add the deferred interest.

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 07/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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