milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In or about  XXXX  2017, I entered a  XXXX  store with my roommate at the time to transfer my account to her as I was moving to a different location. The customer representative assured me that there would be no issues. My roommate was approved. My account was closed and my roommate 's account was activated. I did not receive any notification from   XXXX   at that time or any later date that there was a remaining balance on my account that closed.
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In or about  XXXX  2017, for the first time I received a notification from Diversified Consultants, Inc. ( a debt collection agency ) that a balance of {$260.00} remained on the closed   XXXX   account. This included a cancellation fee which the customer service agent in the  XXXX  store assured would not be applied because we were simply transferring the account to my roommate.
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On or about  XXXX   XXXX , 2017, I opened a new account with  XXXX .  XXXX  told me that they could not install my account until the " balance '' from the previous account was paid off in full. I paid that account directly with   XXXX   and the  XXXX  representative advised me that they would inform Diversified Consultants, Inc. of the account being paid in full.
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On  XXXX   XXXX , 2017, my credit report still showed that I owed a balance. I filed a dispute with   XXXX   on that date. The dispute was denied on  XXXX   XXXX , 2017. On that date, I called Diversified Consultants, Inc. who stated that my account showed paid in full. They claimed to have reported the paid in full status to the credit bureaus. When I called the bureaus, however, they stated that as of  XXXX   XXXX , 2017 the last information they received from Diversified Consultants, Inc. showed I still owed a balance.
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I am incredibly frustrated by this process as this was a lousy utility bill and a miscommunication from  XXXX , which is now resulting in a   XXXX    point drop in my credit score. I am also in the process of attempting to refinance my student loans and am being automatically denied because of the derogatory remark. This is unfair business practices by  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 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: Equifax XXXX XXXX has XXXX Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Auto) with Credit Regulating Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I DONTAED A XXXX TO XXXX XXXX ON XXXX THE VEHICLE WAS TOWED AT ONE POINT AFTER I HAD DONATED IT. THE TOWING COMPANY, XXXX XXXX XXXX, IS TRYING TO HOLD ME RESPONSIBLE AND SENT THE ACCOUNT TO THE COLLECTION AGENCY AT CREDIT REGULATING SERVICES, INC IN XXXX, CA. XXXX. THE VEHICLE WAS TOWED AFTER I DONATED IT TO THE ABOVE MENTIONED INDIVIDUAL. THIS HAS AFFECTED MY CREDIT. I DID NOT KNOW THAT THE VEHICLE WAS TOWED SINCE IT NO LONGER BELONGED TO ME UNTIL I RECEIVED A COLLECTION LETTER.

Company response to consumer: Untimely response
Consumer complaint received 10/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo furnished inaccurate and damaging information to multiple credit bureaus. Their action has caused our family to be denied credit in a recent attempt to secure an auto loan. Wells Fargo stated we were late on a mortgage payment when the loan was paid off in full. They were fully aware that we were refinancing and provided a payoff letter including final balance and payoff date, then turned around and sent derogatory information out about us. We always paid the mortgage on time and in many cases paid in additional amounts. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX has been calling me several times a day from a blocked number. When they call it only shows the number as XXXX. I would n't mind them calling so much, and I would have answered if it had been a real phone number. I finally answered it and they asked for my info so I hung up and called them on their official phone number. They agreed to stop the calls but said nothing about the fake number.

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 03/28/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Taking out the loan or lease

Complaint: XXXX/XXXX/2016 while looking at cars on a XXXX lot was encouraged by salesman to apply for car loan while unemployed and anticipating job offer. Offered deal, made down payment pending job acceptance and received truck. Next day advised salesman job offer not made needed to return truck. Received immediate credit denials from major financials XXXX, XXXX, XXXX. Upon contact was originally told by salesman could return truck but needed to speak with sales manager who was out til the following week. Received the run around when trying to contact sales manager on XXXX/XXXX/16 by woman in sales office would need to make XXXX car payments and they 'd allow me to trade out. Unacceptable with no job. Following 2 week runaround truck returned to dealership and has remained at dealership. Received a statement from Santander Consumer Financial that they processed a loan for truck.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed a chapter XXXX bankruptcy that was discharged inXX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX  Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I refinanced my rental home and my loan was sold to XXXX XXXX on XXXX XXXX,2017. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month of XXXX 2017. Before that mortgage statement was sent to me, XXXX XXXX placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error 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 non-monetary relief
Consumer complaint received 10-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America processed a predatory loan modification on my arm loan in XXXX ( which was originated in XXXX ). 
In the modification they tack on {$27000.00} for late fees and back payment, and also 18 more years to the back end of the loan. 
No one ever spoke to me about the ramifications of what this modification was doing to the length of the original loan. Everything was done by fax. 
I was under does because my husband had died and I was on XXXX and I did n't want to be homeless. 

Then they SOLD my loan off to BURY what they had done. For future audit purposes. 

In XXXX, they SOLD my loan off to XXXX ( now XXXX ) who now informs me that it is over a 50 years on the loan. 

This was supposed to be a loan to help me not lose my home and not go homeless. What they did and processed is unethical and predatory business practice. 

I 'm writing to you for help and direction in correcting the wrong that has been done. 

Sincerely, 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 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Following are the sequence of events. 


XX/XX/XXXX : A payment in the amount of {$220.00} was made to XXXX XXXX insurance from my credit card ending in XXXX. 
XX/XX/XXXX : I called to put a hold on that payment in the amount of {$220.00} to XXXX XXXX XXXX because I thought it was fraudulent. 
XX/XX/XXXX : After realizing it was not fraudulent I called Chase credit services to cancel the hold and resubmit the payment. 
XX/XX/XXXX : My credit card was charged in the amount of {$220.00} for resubmission. 
XX/XX/XXXX : up to this date XXXX XXXX has not received any payment in the amount of {$220.00}. 


Fact remains that a payment of {$220.00} was made from my credit card which XXXX XXXX insurance claims they never received at their end. Both parties are at the denial stage. No one accepting any thing. payment has been deducted from my account but never received by state farm insurance. Chase credit card is not giving back me the amount. I have all the proof and correspondence with both companies. 


Please look into this matter and help me resolve it. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 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: Information belongs to someone else

Complaint: I have contacted the credit reporting agency, they have not responded in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Struggling to pay mortgage

Complaint: I initiated the request for mortgage assistance with Bank of America at the end of XX/XX/XXXX. I was unemployed from XX/XX/XXXX to XX/XX/XXXX and my new salary was reduced by 20 %. I filled out the required information, submitted the requested documents, and was promised a quick turn around. It is now XX/XX/XXXX. BOA has asked for dozens more documents, letters, revised RMAs, etc. It is never enough. This is obviously a run around process to discourage me from seeking a modification and pushing me to a refinance. I am seeking a reasonable offer to modify my mortgage ; it is currently a 15 year, XXXX mortgage, with a principal, interest, tax, and insurance payment of close to {$6000.00} a month!

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 07/24/2017 about Debt collection (I do not know) with TekCollect Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I 've requested debt validation and the company has failed to provide any proof that I owe anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (WA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: In a phone call on XXXX XXXX, 2017 two TransWorld representatives stated they will not discuss parking tickets in collections associated with a vehicle I own. They claim they can only discuss these tickets with my ex-husband, who was previously listed as an owner, in addition to myself, on the vehicle 's title. I am the only owner of the vehicle currently and have always been listed on the title. I am unable to discuss or settle my debt and as a result, will face severe material damages from being unable to legally operate my only vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I see 2 credit inquiries on XXXX XXXX that are not mine or were done without my knowledge. From Ally financial and XXXX XXXX both on XX/XX/18.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (NV).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A woman called me at work and claimed I had criminal charges pending regarding bad checks I have written in XXXX XXXX. When I told her I do n't have checks I was transferred to a supervisor who immediately started yelling at me. It was an old payday loan. " DO YOU REMEMBER NOW? '' I asked them to not call me at work. She said, " We can call you anywhere, anytime, and all day! '' I tried to tell her I had already settled with a debt consolidation company. She would n't let me talk. She yelled over me and interrupted me, basically called me stupid saying " you ca n't sell debt! '' She proceeded to say they are pursuing legal action in XXXX XXXX and I can stop the process if I pay them now. Very hostile, rude, and would n't let me speak or ask questions. She said I would be served papers the next day. I said thank you and hung up. I have received no papers. They continue to call me at work first and then my cell. I believe this is a fraudulent attempt to get me to pay on an old debt. They claim to be XXXX XXXX XXXX, but I ca n't find anything about them online. The number is XXXX, and the only things that number pulls up online are complaints of attempts to collect an old debt through harassment and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: back in 2009 i got a credit card from XXXX. they contacted me today and said they are coming to my work to serve me. they have called me atleast XXXX times today. last month i told them that the statue of limitations in oklahoma is 3-5 years and they got real hateful and said we can argue this in court and hung up on me. i need to know what i need to do about this. please help

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (WA).
Issue: Settlement process and costs

Complaint: The mortgage company, in order to modify my current mortgage, refused to change items in the disclosure statement ( i.e. year of original loan origination, year home was built, remaining balance of original loan, name of applicant ) prior to electronically signing documents. Then I receive an email thanking me for signing the documents when I had not- even refused to- signed said documents. I contacted the agent XXXX XXXX XXXX XXXX via his direct line and the agent stated that he had sent the email in order to be proactive in getting the documents needed to finalize the loan process, providing that I sign the documents. He wanted the information in order to have it on hand when the underwriters asked for it. At the end of the conversation he also stated that the offer at the rate quoted would more than likely be no longer valid after the first business day of the month. I felt that he was attempting to coerce me into signing the documents prior to them being changed. I withdrew from any further actions concerning this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was offered a credit card during an Amazon purchase on XX/XX/XXXX, and applied right away. I was given the card, and made 2 purchases with it. The third time I wanted to use it the purchase was not authorized. I called the number on the back of the card and was told chase had closed the account and they did n't have a reason why. Chase closed it on the same month without even a reason or a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: REF : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ Date 7/31/15Rushmore Loan Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX - Loan Office of President- REF Loan # XXXX ss # XXXXThis is a dispute about Rushmore taking over loan from XXXX. in XX/XX/XXXX and that they are double escrowing me on taxes when taxes are paid and Rushmore ck sent to taxes I reimbursed XXXX XXXX ) plus double paid taxes in XX/XX/XXXX. The amount taken over from in 1st mortage {$46000.00} with all errears and no escrow balance ( settled XXXX. Rushmore is asking for {$210.00} in escrow a month when qtr taxes are {$330.00} XXXX est. {$110.00} a month ) plus they are aware they I disputed this in XX/XX/XXXX at initial conception. They mis-appropiate my regular payments towards an account called " other '' and they have also have unapplied money on account totaling over {$1200.00}. They claim over XXXX owed immediatedly or threat to foreclose. This is a low income unit and is protected by C.O.A.H. Please look at misc debit postings of {$11.00} unexplained. Late charges of {$25.00} by which my registered mail can dispute. I made a complaint with Banking and Insurance. I went to Fair Housing and received counseling from XXXX XXXX. I am getting negative resolution from Rushmore and want re-posting of all my regular payments to appropiate months split with part going towards principal and part interest like it should have been from the start. Since they are not sending checks to XXXX XXXX except for the {$330.00} I reimbursed them and paid XXXX also ( double paid ) carrying me through 4th qtr. Please help me. I am a single mom raising a child with XXXX. My documents are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (RI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: After receiving a past due notice, I called on  XXXX  to inform  Nelnet that m y bank showed my {$660.00}  XXXX  payment delivered on  XXXX .  Via speake rphone my wife and I heard :  1 ) Th ere was no record of a paymen t 2 ) T he  XXXX  monthly payment would go to more than {$1000.00} as the  XXXX  payment, listed as regular " regular payment '' on the bill, was for interest only.    3 ) There w as no record of the lost payment and no explanation for the increased monthly amount.    4 ) A fter a transfer to a supervisor, "  XXXX  '' stated that :  a ) A new account number was needed for payments b ) Ther e was no credit listed to the old account.    c ) Service personnel were " Not allowed '' to review income or payment cal culations d ) A 2 month forbearance was offered to give time to resolve the following issu es : 1. Co pies of electronically signed agreements and disclosures - none being available on the website.    2. An Amortization schedule for the current loan 3.   A clear presentation, with figures, of the available loan choices   4. A guarantee that the account will not be listed as past due because of accounting errors.
5 ) On the same day as   the above conversation, my bank e-mailed to say that the payment had been rejected b y Nelnet ( with no notice, to us, or apparently, to the Nelnet staff  ).     Background for this complaint - having  XXXX , in part to deal with my wife 's health issues, I requested an income contingent payment since my income had dropped and would continue to drop ; rising payments ever y two years would quickly become untenable.  The request was rejected until all of our loans were consolidated. After consolidating I was asked to resubmit affidavits stating my income for   XXXX   as well as income for my wife. At that point, even after having been " approved '', I could not get a firm figure over the phone for the payment amount. The story was that calculations were done by an different ( and unreachable ) department and that I would be advised when the payment was determined. I did certify that I would report income changes on a yearly basis but did not see an amortization schedule.

Company response to consumer: Closed with explanation