milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are  XXXX  inquiries on my credit report that I did not authorize. Before any credit is issue I am suppose to receive a phone call and still have not. I am a victim of identity theft and need these inquiries removed.  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   It shows up   XXXX   only suppose to be on there  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 non-monetary relief
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: the account ( letter attached ) has an inaccurate late reporting on my credit reporting agencies all three. 
i have received a letter from bank of america itself stating that this inaccuracy must be removed, please help me to have this removed from credit bureaus. 
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 12/30/2017 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (NH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My name is XXXX XXXX and I am the resident and owner at XXXX XXXX XXXX, XXXX NH XXXX. I entered into a closed-end motor vehicle lease agreement with XXXX XXXX being located at XXXX XXXX XXXX in XXXX NH XXXX on XXXX XXXX XXXX. The deal number for the agreement being XXXX. The contract was amended by XXXX XXXX on para XXXX ( k ) such an amendment was not ratified by me. A representative of the XXXX XXXX ratified /amended the contract unilaterally without my knowledge and approval.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient called me a while back telling me I had to sign up for one of there loans repayment plans set and what they think I should be paying even if I can not afford the payment or not and if I dont pay the amount they set I will be delinquent, I have done my best to ask them to let me pay back monthly at {$22.00}, they basically making it very difficult for me to afford even paying them back at XXXX something a month I can not afford that. So I have tried to make payments of XXXX dollars every month this is the first month so I place my bank info on their website like they asked and the first payment never went through so they sent me a letter via my online account with them, I tried to pay them again on their online portal using my bank info on the day of the due date they just email me saying I missed a payment and I am very frustrated because they are not willing to work with me, I will keep paying what I can and keep documentation of every payment I try to send and they dont accept online - I have worked very hard on fixing my credit and I will not allow myself to be pushed around by Navient not accepting my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I have made every single mortgage payment for 11 years, XX/XX/XXXX OCWEN increased our escrow amount without notification and the payment we made was short when we were notified by phone the second payment was short we have since corrected the issue and in fact was issued an escrow refund. Now after looking into the purchase of another home we find that our credit report shows 3 late pays. I have contacted OCWEN on three different occasions and they stated they would remove this from our credit report and still as of today XXXX XXXX, 2016 it is still on our credit report. This has negatively impacted our ability to refinance and get away from this predatory lender and now I am asking for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (I do not know) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Optimum Outcomes, Inc, keeps calling me and stating I owe them money! I have instructed them I do NOT owe them or their client, because I have NEVER even heard of their client. They now call me 2 or 3 times per day and when I say I am going to sue the XXXX out of you if you do n't stop calling and harassing me, they hang up and then they begin calling again the next day! I am SICK AND TIRED of these brassiness harassing calls DO SOMETHING! YOU are the government agency so DO SOMETHING TODAY! They are rude, arrogant and full of XXXX! Get rid of these people today!

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Refund anticipation check) with ACE CASH EXPRESS, INC. (IN).
Issue: Lost or stolen check

Complaint: I was involved in Ace cash express refund settlement and did n't receive the check until late XXXX XXXX, check was dated in XXXX. Looked into last month, after hours of getting no where gave up. Seen it again and figured I try, it 's over XXXX $ so would like to figure it out.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Billing disputes

Complaint: I am a US citizen and was interested in buying a horse from XXXX. A local XXXX, XXXX XXXX, was contacted by my buyer agent to perform a pre-purchase XXXX exam of the horse. XXXX XXXX was instructed by email to follow the usual procedure for these exams, which is to begin with a review of medical records, if all is well, then proceed to a physical exam. If anything important is found, stop the exam and contact us for authorization BEFORE proceeding with more expensive tests such as XXXX, etc. He agreed to this arrangement in writing and required my credit card information before scheduling. 
On examination, he noticed an XXXX on the horse 's XXXX. The medical records revealed the horse had XXXX a few months before ( and was NOT disclosed to us by the owner ). This is a significant finding and disqualified the horse from purchase. Instead of stopping the exam at this early stage and notifying us, as agreed, the doctor instead continued billing with expensive and unauthorized testing totaling {$3900.00}. 
I tried to resolve this with XXXX. I offered to pay him {$200.00} for his review of records and initial physical exam of the horse when he first saw the XXXX. No response. 
A credit card dispute was immediately started with Chase. Multiple documents and expert opinions supporting my request for a chargeback were submitted. In good faith I made the same offer of {$200.00} which Chase accepted payment. The dispute for the remaining {$3700.00} dragged on. 
Over 4 months later, Chase rebilled me for the {$3700.00} amount. I will appeal this decision again and institute a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: Dear CFPB : My Citi bank credit card was stolen and I informed Citi and they did remove some charges but not all of them. They keep sending me a new bill with late charges and interest. I spend a lot of time on the phone with them to clear up this problem. They told me their fraud department is slow. I stop using the card and asked them to cancel the card. 
Could you please help me clear this up? XXXX XXXX XXXX Card # 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 monetary relief
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit bureaus all 3 Experian, XXXX and XXXX XXXX would not remove Hard Inquiries when asked.

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 11/22/2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX, 2017 I received a call from a number that I did not recognize. I did not answer the call. Not 30 seconds later the phone rang again with the same number. Again I did not answer. Again not 30 seconds later the phone rang another time. I finally answered it. This was at XXXX XXXX I spoke to a very rude person named XXXX. She said was with Cash Central and asked me for the last 4 digits of my SSN.  She informed me that I had a past due balance of XXXX. I asked why she called three times in a row and she then told me that she could do that and since it was before XXXX XXXX it was in her right to do so. She then went into this lecture about how I needed to pay my bills and if I had just been paid why hadnt I paid this bill. I told her that I did not have the money at that time and she then said " well I think you never intended to pay this. '' Granted I had made several payment to them in the past. This is only a few days past due. The payment was only due on the XX/XX/XXXX. I revoked ACH debits because I thought they were only going to take out a payment of XXXX and they took out a payment of XXXX. XXXX then demanded that I pay the full amount now and that if I did not they would only be forced to take this matter further. She threatened me and then she hung up on me. I called the place back. Got the same XXXX who then pretended to not know who I was. She then proceeded again to demand money and again tell me that I wasnt going to pay anything back. When I revoked the ACH I asked them to only contact me by email. I informed her of that and she told me that I wasnt going to get " special treatment '' and again demanded money by the end of the month and kept pressuring me to set up a payment with my debit card. I then asked to talk to her supervisor. Again very rude, very hateful. I have asked them not to contact me on the phone again. Calling three times in a row at XXXX is rude and disrespectful. The fact that I asked them not to contact me this way in writing and yet they still continue to harass people. XXXX continually threatened me with taking this matter further. It is not even 30 days late. The supervisor then yelled at me over the phone saying that she had other customers to take care of -- after she told me that this was a collections call and not customer service. These people are terrible and threatening that take advantage of people.

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 10/24/2015 about Debt collection (Federal student loan) with The CBE Group, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have the same name as the person they are trying to get a hold of. I have informed them when they have called that I am not the right person, they stopped calling for about 6 months, and now they are calling and mailing again. Now I have received a notice stating that they are going to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are many inquiries appear on my report without my permission :  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 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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Contacted XXXX Fraud Management to dispute cell phone account # for amount of XXXX XXXX XXXX XXXX. Company took my info and said it would be marked as fraudulent. checking credit report today XXXX XXXX XXXX and there is a collection opened XXXX XXXX, XXXX ( 4 months ) showing this XXXX account in collection by a collections company XXXX XXXX XXXX. There is no coverage in my area for XXXX cell service. I have been in my home since XXXX XXXX XXXX and I use XXXX and XXXX service for the last 20years. Seems as if the Credit company and the collections company should do a better job at verifying info before posting it to your credit file.

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 08/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with ASTORIA BANK (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My home insurance policy covers XXXX years for one-time only fee. My mortgage bank ( Astoria Bank ) is supposed to accrue the insurance premium over the XXXX years. Each time I renew my policy the bank recalculates my escrow payment incorrectly, forcing me to pay {$1200.00} more per month until I complain and they spend the requisite few months correcting the error. They will not call me to confirm that they 've sorted out the problem. I have to call them every XXXX weeks until they confirm, waiting in the queue for many minutes during my busy workday. Meanwhile they threaten me with ~ {$250.00} fines if I do n't make a full payment - a payment that has grown by {$1200.00} overnight without any change in my interest rate, taxes, or insurance rates, so it is obviously incorrect. This is my XXXX renewal and my XXXX time dealing with their incompetence. I am starting to think the mistake is willful - the bank gains the interest on an escrow account balance that is n't needed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was victim of the " Inquiry Issue '' Section 6 '' 11, when items are removed a five day notification must be given to you before putting back on your report. Notice was n't given and they items were put back on my credit report by Transunion. 1. XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX. 6. XXXX XXXX XXXX/XXXX/XXXX. 7. XXXX XXXX XXXX/XXXX/XXXX. I reported the problem to Transunion Credit reporting company nothing has been resolved.

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 12-09-2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Payoff process

Complaint: We are trying to resolve an issue with Chase and we are unable to reach them for a discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (I do not know) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have repeatedly attempted to dispute a debt that is currently being reported by credit prt Associates in the amount of {$370.00} ... This is not my debt.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Every year when I go to get my XXXX annual credit reports Equifax is the only one that states I must mail in personal info, A copy of XXXX or social sec card ... I should not have to mail this personal info when the other XXXX  companies do not require it. I think they just do not want to provide the free report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Mortgage (Other type of mortgage) with FREEDOM MORTGAGE COMPANY (TN).
Issue: Trouble during payment process

Complaint: Freedom Mortgage has harassed us for months about non required flood insurance. Our property was rerated and THEY sent us a letter stating so yet they have no record. THEY called the company who verifies flood information and sent us the letter included. Thought this was a done issue, but Freedom has no clue what they doing. Tired of the threats of putting forced coverage which would be against FEMA regulation.

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 01-12-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Tax lien has incorrect amount report and this has paid in full. I also talked to the courts and they do n't report anything to the credit agencies. I would like this to be removed from my Equifax and XXXX credit files. Agencies keep saying verified after one day of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CLX Systems/ Westwood Management (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call from a gentleman regarding an outstanding debt to my place of employment. After I explicitly informed him of why the debt was outstanding and disconnected, I received yet another call to my employer 's line. Only this time it was a recording and has been occurring on an ongoing basis for several weeks. Calls have also been placed to my mobile device ; however, I have been able to block them successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Credit card debt) with Perfection Collection (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Perfection Collection LLC for amount of {$640.00}. This item does not belong to me, I have sent Perfection Collection LLC debt validation several times with no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (I do not know) with Ditech Financial LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Ditech Financial LLC reported this out of statute supposed debt as written off to the IRS without validating the debt when requested to do so in writing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2017 I deposit a check drawn on XXXX {$7000.00} into my TD Bank account. A few days later the funds posted and I attempted to make a withdrawal, the Teller informs me that the funds are on hold. I disputed and she investigated. The TD Bank Teller informed me that the funds had been reversed and that XXXX was not advancing the funds. I prosecuted the check writer on yesterday for bank deposit fraud. After reviewing my statement the {$7000.00} funds did post to my account but there was an unauthorized withdrawal in the same amount without my permission. Subsequently my account was closed. I want to pursue every remedy against the Bank to recover the {$7000.00} funds XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently being considered for a loan modification and have provided all my paperwork to my mortgage company ( America 's Servicing Company ). They are telling me I am in the final stages of review but that I have a foreclosure sale scheduled on XXXX/XXXX/15. I need help getting the sale postponed so they can complete the modification review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My home was serviced by Seterus, INC and was destroyed in a fire on XXXX XXXX, 2015. The loss was reported correctly to the insurance company and Seterus. The insurance company has sent the payment amount made to myself and Seterus, which was overnighted to them with id, instructions, and overnight pre paid envelope for the difference over the loan pay off ( {$120000.00} ). They also have a large amount held in escrow for property taxes.Seterus is giving me the complete run around regarding the balance due me and the time line as to when to expect it. I am XXXX. I can not begin to rebuild my home until they refund the difference after the loan pay off. Please help!

Company response to consumer: Closed with explanation