milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls me at my job every month to remind me to pay my mortgage. I have never been late. This company just bought my mortgage recently from XXXX. I consider this harassment especially if the payment is not late and calling me at my place of work. I do not need a reminder to pay my debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries that I did not give consent to run my credit. Please remove them from my credit report I have no knowledge nor any accounts that are positively attached to them. Equifax is stating that " inquiries are a factual record on file. '' How are these inquiries factual when I have contacted the creditors and there is no account. For the more they have no knowledge of me doing business with them. I have supporting documents of proof that these creditors have requested deletion of the inquiry. Given the recent breach with equifax, they are impossible to get a hold of again. Thank you for your time and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XXXX XXXX, XXXX, my loans were transferred from XXXX to Navient. I have continued to pay more than what is due on time every month. Now, it is time to re-apply for Income Based Repayment plan. I submitted the application through Studentloans.gov, and then received an email back from Navient on XXXX XXXX, XXXX stating that they had received the application. On XXXX XXXX, XXXX I received another email from Navient stating that my payment amount had gone up. Since my income had decreased, and I had applied for IBR, I knew this was innacurate. I emailed them back stating the problem, and received a confirmation email on XXXX XXXX, XXXX that stated they had received my inquiry and would get back to me soon. I never heard more about the matter. Then on XXXX XXXX, XXXX I received an email with yet another new payment, this one a few dollars less. On XXXX XXXX, XXXX I called to get the problem fixed. They told me they would defer my payments for a couple of months, and give me time to complete an IBR application. I told them I already had, and that they had emailed me that they received it. The person I spoke with said to wait until the end of the week. On XXXX XXXX, XXXX, they emailed me three times. One that gave me repayment options. The second that said there was a new document to view, which was information on how to submit the application for IBR. This email states that the best way to apply is to go to Studentloans.gov and apply. I have already done this. The third email said they were still waiting for me to submit the information to process the request. I have no idea what information this is. On XXXX XXXX, because I still had n't heard anything, I decided to submit the IBR application again through Studentloans.gov. On XXXX XXXX, XXXX I received an email again from Navient that they had received the IBR application. On XXXX XXXX, XXXX I received another email from Navient that showed my payment had again increased even higher. Then on XXXX XXXX, XXXX, after hearing nothing from Navient, I again emailed to get the problem fixed. They sent an email of confirmation that my request had been received. And today, XXXX XXXX, XXXX, I have received another email from Navient reminding me that I need to return some sort of information to process my request. But it does n't tell me what this information is that they need. When I go to my account on the Navient webpage, no where does it say that I have to submit any information. In fact, I ca n't even find the documents that have been submitted until I go to the old website. I have been doing my best to pay off these student loans with the limited amount of finances I have. Navient has just given me the run around, and increased payments so that I can not afford to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are items on my credit of medical bills that are NOT mine and I would just like it removed and be done with it. I am a healthy male that has not been to the hospital or need to go. SO this bill is not mine.

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 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I applied online for the Bank of America XXXX XXXX Signature Visa and all of the benefits that come with that specific card. I was instead automatically approved for an XXXX XXXX Visa  Platinum plus card with a different annual fee and none of the benefits. Thinking this was a mistake, I applied again for the XXXX Visa Signature Card and the application went pending. I called BofA to see what was going on and they said they could approve me for the Visa Plat if i chose to. I chose not to but asked to have someone else look at my application for the Visa Signature card. He they asked if I consented to have my application reconsidered and i said yes. He then approved me for the other card, a Visa Platinum and claimed that I had never applied for the Visa Signature. I was escalated to a supervisor and she claimed my XXXX credit score and XXXX  income did not qualify me for the Visa  Signature and they decided to automatically approve me for a card that was not marketed at all on their application page. BAIT AND SWITCH. This is very deceptive. Definitely a UDAAP issue. I did some research online and there are HUNDREDS of other people who have complained about this same deceptive marketing practice. If you look at the link below, you will see advertising for ONLY the Visa Signature card and not the inferior yet still expensive Visa Platinum. There is no mention of the Platinum benefits or fees because they are inferior and nobody would apply knowing that they could be approved for the inferior card.
<P/> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never wanted the XXXX XXXX XXXX Platinum with a {$50.00} annual fee and sub-par benefits . Nor did I apply for it. Yet somehow I was approved for TWO of  them. I closed them but do not want them reported on 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 12/28/2017 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: Equifax is reporting the said company " XXXX  XXXX '' on my credit report, which is damaging to my FICO scores. 
Below is what XXXX XXXX replied in response to the original dispute complaint we received from the CFPB. 
( See Sentence # 11 ) XXXX CLOSED THIS ACCOUNT __________________________________________________________ We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information. We have located XXXX accounts for you in our office. XXXX placed an account in our office on XXXX/XXXX/XXXX to collect a balance of {$420.00} on their behalf. On XXXX/XXXX/XXXX, we received your request for validation. The account was placed into a dispute status and collection efforts were suspended. On XXXX/XXXX/XXXX, the documentation for the XXXX account was mailed to you. The account remained in a disputed status. On XXXX/XXXX/XXXX, we received letter from you asking to see something you signed stating you owe XXXX  and money. XXXX XXXX is a third party collection agency, XXXX placed the account with our office to collect the past due balance owed. XXXX CLOSED THIS ACCOUNT in our office and returned to our client, XXXX. We can confirm that we requested our information for this account to be removed from the credit bureaus on XXXX/XXXX/XXXX. Please contact XXXX directly for further assistance regarding that account. On XXXX/XXXX/XXXX, Florida XXXX and XXXX XXXX placed an account in our office to collect a balance of {$110.00} on their behalf. This is the first communication we have received on behalf of this account. We have requested validation of this account to be mailed to the address you provided to the CFPB. The account has been placed into a disputed status and collection efforts have been suspended. We have filed a request of deletion, via the credit bureaus, for removal of all trade line entries from your credit report for the Florida XXXX and XXXX XXXX account. The AUD control # is XXXX. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department for further assistance. Our number is XXXX or you may Email : # XXXXXXXXXXXX ; Kind regards, Compliance Representative at XXXX  XXXX, XXXXad to say about said account : Below is a CFPB response also, Equifax is not acknowledging that XXXX XXXX has supposedly notified Equifax to remove blemish account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to access my free annual credit reports online at XXXX today, XXXX/17, and after receiving and downloading the first report from Trans Union, I followed the prompts to return to the site to get the next report. I clicked to link to get the next report and was taken to a blank page with no indication of action happening. After 30-45 seconds, I clicked the " back '' button only to discover that the site thought I had already seen and downloaded my second report. I followed the link to receive my next report again, and the same thing happened. I clicked the back button again, thinking I could try again and was told something like, " see you next year when you can get your free report again. '' I never received two of the three reports due to website issues on their end and I am furious. 
I called their phone number to try and receive the reports by mail, but since they probably think I got the reports online ( even though I DID N'T ), I feel sure wo n't get them. I do n't want to wait and try to find out. I am being proactive and trying to deal with it now, but there is no actual way to contact the service, so I feel like I 'm totally screwed. I want the free annual copies of my XXXX and XXXX reports that I am entitled to and I do not want to be punished for poor website functioning. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Making/receiving payments, sending money

Complaint: I looked at my bank account on my app and it said a {$12.00} transaction happened yesterday at XXXX but I 'm the only one with the card and I have n't made any purchases. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX we fell behind in our mortgage payments which resulted in our house being foreclosed on. The foreclosure process began in XXXX of XXXX. We received a letter saying that we should be out of the house by XXXX XXXX, XXXX. We were out by that date. Sometime during the foreclosure process or after our mortgage was sold from XXXX to greentree mortgage. In XXXX of XXXX I had my credit pulled to see if I would qualify for a loan with another bank. They told me that they see the foreclosure of my house with XXXX, but they also saw another foreclosure from greentree that started in XXXX of XXXX. I have contacted greentree several times and I 'm always getting hung up on, or told to call XXXX to get information about what 's going on. Greentree claims that I owe them over {$19000.00} and that they have had the mortgage XXXX. On another call they say that they have had the mortgage since XXXX of XXXX. I can never get a straight answer from any of there employees or supervisors. They are rude and act like they have no clue about my account with them. I get switch back and forth from department to department with the same dead end results.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 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 has the responsibility to keep my private information safe and secure. I am appalled that Equifax would allow this to happen. Not only did they allow this to happen but they also acted as criminals when they started to sell off stock before it hit the news.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Bankruptcy ( according to Equifax 's website ) A bankruptcy under chapter XXXX or XXXX or a non-discharged or dismissed chapter XXXX bankruptcy generally remains on your credit file for XXXX years from the date filed. 
A discharged chapter XXXX bankruptcy generally remains on your credit file for seven years from the date filed. 

***I have a Chapter XXXX bankruptcy that was filed in XXXX and was dismissed in order to convert it to a Chapter XXXX bankruptcy ( at the advise of the bankruptcy attorney ). The Chapter XXXX was filed in XXXX and is discharged. This Chapter XXXX bankruptcy was dismissed in XXXX in order to convert it to a Chapter XXXX in XXXX ( within weeks of the dismissal date ). You can see the dates line up. This is a discharged bankruptcy that was tied together. There are notes in the public records that state I was in a Chapter XXXX and went to a Chapter XXXX. I can provide the document from the court that notes my repeat filing of a XXXX XXXX to a Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Payday loan debt) with CHECK INTO CASH INC. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: called at work on the following days. They were informed on XX/XX/XXXX to not call me at work XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: FedLoan Servicing made an error during my loan transfer, resulting in XXXX of my loans being left out of the IBR process. The company did not inform me of this error until after debiting a higher amount for my monthly payment. When contacted about the error, there was no follow up or resolution, with the company decided to put in a retroactive administrative forbearance instead of processing a refund as originally stated. The company then continued to have autodebit process my next month payment, instead of the lower amount that was presently due. I was told they could not cancel the autodebit without 3 days prior notice. I was not informed of the incorrect debit amount until receiving a letter prior to a three day holiday weekend, during which time no request could possibly have been made. When contacted on the next available business day, I was informed that a note to call me was in the file, but that no one ever called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with GreenSky Trade Credit, LLC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Green Sky Loan Services has called me almost daily for 2 weeks. They have called from 2 different telephone numbers. They are looking for 2 women I have never heard of in my life. I have asked them nicely at least twice to stop calling me as I have no idea who they 're looking for. They always say no problem that my number will be removed. Then I get another call from them the next day. Please make the calls stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (GA).
Issue: Taking out the loan or lease

Complaint: It has recently been brought to my attention that my title for my car has never been sent from my previous Lease holder Chase Auto Finance to my current financier XXXX XXXX XXXX XXXX. Chase neglected to send the title even after it was requested several times XX/XX/XXXX, resulting in an 18 % APR charge from XXXX XXXX because they never received the title. I worked directly with Title Research agent XXXX XXXX XXXX, who only sent me the lien Release, but did not send the title. My car payment is XXXX per month now. It was calculated at XXXX with the title ( 14 % APR ). This has directly effected my ability to pay other bills and has cost me approximately {$570.00} and has prevented me from getting additional lines of credit, recently including a car loan from XXXX, as they stated that I was too far upside down on the loan currently and my current APR was too high at 18 %.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: APR or interest rate

Complaint: I have been dealing with Capital One Bank for years. Have always paid on time and unfortinutley, have had to use them, after paying them off several times. I have spoken to them about there interest rate and have not been able to get anywhere. There rate on purchases, 15.90 % APR. This interest rate is rediculas and according to there record, on a balance of {$8900.00}, paying the minimum, in XXXX years, you would have paided {$20000.00}, pay off in XXXX years, {$11000.00}. Is there anything that can be done with this high interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: they have been calling for a person that is not at this number. I requested on XXXX for my number to be placed on the do not call list, but still receive calls daily and hourly from them. I have called back on three other occasions to ask why I am still receiving calls and they say that are referring to the supervisor. I then explain that this was told to me before and the calls have not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2015 about Debt collection (Mortgage) with Ditech Financial LLC (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ditech calls repeatedly on my home phone and our cells, even though we have repeatedly asked them NOT to contact us via phone. We are not behind on our mortgage payments. I am tired of the daily harassment!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Debt collection (Credit card debt) with Law Office of Harris & Zide (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX, I received a letter from Harris and Zide representing XXXX XXXX. The original creditor was XXXX XXXX bank but sold to XXXX funding. The letter stated they were processing a lawsuit to collect the amount of {$950.00} and to contact them immediately. I contacted them and spoke to a representative by the name of XXXX. I informed her of the letter and let her know I wanted to set up arrangements. She asked me what I could pay and I stated {$25.00} a month. She advised me that they could not agree to that amount but I could send the money but that would not stop the lawsuit. I told her I would follow up later. The next day I set up payment arrangements with a guy named XXXX in the amount of {$56.00} a month until the balance is paid off. I asked for the agreement in writing and was informed that I would receive a stipulation with the agreement and to sign and send back. Weeks went by and I followed up on the agreement. By then I made 2 payments. They gave me the run around and said that I should receive it soon. I asked to speak with a supervisor. The supervisor 's name was XXXX. She faxed me a written agreement of the payment arrangement. On XX/XX/XXXX, I received the stipulation with a different amount owed of over {$1300.00}. This amount was never disclosed to me in any of the previous conversations and it is not the correct balance reported on my credit report. The agreement they sent me stated I owed {$950.00}. I do not deny the balance of {$950.00} but they can not collect on more than what the debt is.

Company response to consumer: Closed with explanation