milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with Bank of America. My husband passed awayso I asked for a loan modification. Bank of America asked me to not paythe mortgage while they are processing the modification. I did everythingthey instructed me to do. Before that I was not late on my mortgage. 
I was waiting on my modification, they were behind my back trying toforeclose on my home. This bank has done so much wrong to me. 
They just kept giving me the run around. They asked me to send thesame papers over and over again. They always stated that they did notreceive it. Then they denied me a modification several times. Pleasehelp me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Student loan (Federal student loan servicing) with Integrity Group Inc (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I contacted XXXX out of XXXX because I heard that they helped with loan forgiveness. I was told that they could help me with the entire process but I would have to pay {$290.00} which was charged to my credit card. XXXX # XXXX Transaction id # XXXX this was on the paperwork they emailed to me. I spoke with XXXX people during this time with Integrity ( XXXX and XXXX XXXX XXXX XXXX XXXX 234 Boynton Beach, FL. XXXX XXXX Option ( XXXX ) This entire process started on XXXX/XXXX/15. After much going back and forth and telling me the paperwork was complete, I received my new financial payment plan which was about 6 times more than what I was told. I called and again they said they would fix it but it would take about XXXX to XXXX days. I received a letter in the mail from my university stating I was in default with my loans. When I tried contacting Integrity the number has been disconnected. I talked to my student loan provider and they told me to file a complaint because I paid for services that should have been free to begin with and my loans were not handled completely.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing/Cancelling account

Complaint: I have XXXX prior Capital One Credit Cards showing on my credit report as past due. I called capital one and told them to send me statements, which they have not done. 

I would like them to remove these from my credit report permanently, as I do not own these accounts anymore. My credit score has been completely destroyed due to these misreported items and failure for Capital One to send me any details.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX discharged this debt almost 10 years ago and I periodically get these notices from XXXX XXXX requesting money. Who is this money going to go to since it has been erased by the credit card company. The XXXX is predatory and is untruthful stating this is still owed.The amount is for {$35000.00}. I am not paying this as it was not owed to XXXX. They are being predatory and are sending me collection letters 10 years after absolution of the debt. They intimate that they will ruin my future if this is not paid. It is threatening and predatory to state this.

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 02/28/2018 about Debt collection (Other debt) with Messerli & Kramer P.A. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I am currently a resident of the State of XXXX .. I arrived in XX/XX/XXXX in the State of XXXX where I entered from my country XXXX XXXX for the year XX/XX/XXXX. I decided to move to be close to my older children and their family. But to help him with his family .. I was going to join the United States XXXX from there we decided to stay since XX/XX/XXXX in XXXX. Approximately two years ago I started receiving collections from the Messerli & Kramer PA Collection on a debt with XXXX XXXX XXXX. I did not know what it was and decided to call him. To my surprise a large amount that I did not borrow from that Bank. If I informed them that it was my Bank when I lived in XXXX and that was where I received my direct deposit where I worked in XXXX. I think that I failed to close that account because the time passed and they started on money orders for account maintenance. months until they found me. And I did not know about that .. So I tried to express it and it was traumatic threatening their communication .. I had never lived something so even my little children panicked we lived in the process of adapting to a change ... that arrives XX/XX/XXXX I do not have life of threatening letters and in a difficult situation .. Arriving at a new place starting from Zero and you are person that with his Threat I got totally out of control .. I decide two years ago to make a payment plan without economic power as required Obligated accept your terms offered me to be the impossible to try to cover that debt .. But I can not continue many expenses and an economic inetainability muer you a relative in country. And among others like the current condition of my daughter that stopped me from continuing to work continuously. To try to free myself from those people. My interest was never negative when it was not my intention caused to fall into that Debt. I've been with these people for some time threatening through letters I can not anymore. I am not working they are asking for federal state x 3 years which I can supply. Where the little that the State worked last year I remove it for payment of medical bills that I could not pay .. I do not understand its way of understanding before my situation. I have been doing this for a long time and that is why I appeal to you. Let 's  see how they help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have leased a  XX/XX/XXXX    XXXX   XXXX   since  XX/XX/XXXX . My monthly payment is  XXXX . I requested a deferral of two of my lease payments for the months of  XX/XX/XXXX  and  XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I paid two deferral fee 's of   XXXX    each. I was told that the payments for the month of  XX/XX/XXXX  and  XX/XX/XXXX  would be added to the end of my lease. My credit reports show for the month of  XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and  XXXX  reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX   but declined to do anything further. This is impacting my life. I have now had  XXXX  of my older credit cards reduce my credit limit by  XXXX  dollars due to the way  XXXX  has reported.

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 03-06-2017 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: APR or interest rate

Complaint: In XX/XX/XXXX my Lowes Credit Card rate on purchases was 24.99 % APR, in XX/XX/XXXX it was raised to 26.99 % APR. When I called about the reason for the increase, the explanation I was given that is was a corporate decision and went into effect for all customers and that it is line with all competitors rates. My Home Depot card is not that high, nor is my XXXX card. I have an issue with this rate as it is only 3 % below the Criminal Usury Statute here in NJ. I will attach statement from XX/XX/XXXX and XX/XX/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 04/15/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Settlement process and costs

Complaint: I am a single mother of XXXX children currently living in my home in Pennsylvania. Me and my husband divorced 2 years ago. When my home was refinanced in 2005, unbeknownst to me I was not put on the loan document, only on every other piece of paper. Now that I am divorced and living in the home, and paying the mortgage, did I find this out. Ocwen will not assist me in anyway in getting the home out of my ex-husbands name, and into my name. I pay the mortgage, taxes, and maintain the property. I am on the deed and my ex is willing to sign everything over to me but nobody will help. I can not refinance because the house is about 70k underwater due to the economy. I do not qualify for HARP because its not owned by XXXX or XXXX. What are regular people supposed to do in these instances? I pay my taxes and bills on time and now I 'm stuck. I do not want to be forced to do a short sale or deed-in-lieu and Ocwen has got to be the worst company to deal with hands down. I have been through XXXX and back with these people over the last 5 years. They have redone my mortgage only to " forget '' to add the taxes/insurance into the payment and then ask me after a year for the 6K and try to forclose on me..I tried modifications with them only to get 2 years of run around and missing paperwork, again almost putting me in foreclosure. I can not take them anymore..how they stay in business is criminal. 

I need help, and I have no where to turn. I would appreciate someone guiding me in some direction for help of any sort at this point. 

Please..I 'm begging..help the rest of us homeowners who are underwater, scared and about to lose everything because of the big banks shenanigans. We bailed them out ... who is helping us?

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: last week I checked my credit report and noticed that my TransUnion  FICO sco re was significantly lower than my other  XXXX  credit scores and as I scrolled through the accounts I saw no issues with any of my accounts but then I noticed the " Public Record '' section of my report was displaying a Bankruptcy and this is erroneous. I have never filed bankruptcy before and I also have never held any joint accounts with anyone before to have filed a joint bankruptcy. My concerns are that I am heavily reliant on my credit to get the best rates and such and this has surprised me and I had never realized until now that this was the reason why I was being denied certain credit cards and business loans. I do not know how or why this has shown up on my Transunion credit report but I demand it be removed immediately so that all  XXXX  of my credit reports match and say the same thing about my credibility. It is dissapointing that this can just appear on my report and even though I understand that errors may happen I am very frustrated that I have to take these steps to fight for something that should not be affecting me financially or legally.

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 11/18/2015 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Credit determination

Complaint: I have XXXX credit cards with Chase Bank. In the past 2-3 years I have sent well over {$600000.00} using their cards. From the very beginning of using their cards, I have never been late XXXX single time for a payment during any month. When I make payments, it is usually in thousands of dollars done XXXX or XXXX or 4 times a month. They say I am a very good customer and thank me for making them so much money as a good customer. As they make their XXXX % on my balances, at the same time they are reporting to the credit reporting agencies that I am a risk of missing a payment and the reporting agencies have labeled me as a very poor credit card risk with a very poor utilization since I use so much money. They rate me very poor and this reflects in a lower credit score of about XXXX. With a score that low many underwriters take my application for growing my business and deny me the opportunity to borrow money to make more money. The credit card companies would like me to use not more than 15 % of the limit showing I am worthy, but then I ask what is the point of having a credit limit, especially if I can utilize that {$15000.00} limit and make those payments with no lose or risk to them. It appears the banks have it both ways in that they make a ton of money off me, get paid, never chase me for money and tell all creditors I am not worthy of any additional credit. What the banks and the credit agencies do not even consider is my mrtage payments monthly are about {$9000.00} a month and I have not been late in the past five years with any payments. The characterization of the credit card agencies does not give an accurate profile of what I can afford in a monthly payment. If you look at the payment history of my profile, not only do I make the monthly credit card payments, the mortgages, the loans and when all monthly payments in my life are totaled they approach {$30000.00} a month. BUT, the credit reporting agencies are telling everyone that looks at my credit that I am a poor risk because I utilize my credit with the banks. Since the banks are in business to make money, and they do make money off of me, how is it fair they can also tell any creditor who looks at my profile that I am a very poor risk. This is wrong, everyone I speak with tells me this is wrong and yet in the banks and the credit agencies continue to demonize me financially and should not be allowed to do that. I can not refinance anything or borrow any money due to the erroneous profile of the banks and the erroneous profile the credit reporting agencies give me. I am livid they have the power to get away this this sham and what makes me even more angrier that no bank will answer my concerns and credit reporting agencies use the rhetoric of " we only report what we are told ''. The XXXX agencies should be investigated by the government because XXXX out of every XXXX people will all say what they mess they make of their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt from XXXX XXXX XXXX is on my credit account but I 've never been. Syndicated Office Systems seems to be the collector and I have not received a letter or a phone call from them. I called XXXX XXXX XXXX and I am not a patient there.

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 11-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDMARK FINANCIAL SERVICES (NC).
Issue: Charged fees or interest you didn't expect

Complaint: I understand that I borrowed the money because my mom was XXXX so she is not able to work so I 'm helping paying the bills such as ( light, water, cable, insurance, food, phone and etc ) This company is very RUDE they do n't understand things happen. 

During my time with this company I received these comments : I told XXXX you werent going to payment but I guess he tried to believe you ( XXXX said that! ) I asked to not be called at my employment, ( I even sent an email handwritten to not call at my employment ) XXXX XXXX from the XXXX NC location called XX/XX/XXXX saying " Hey XXXX, are you going to make your payment '' I said I will call back on my lunch break please stop calling me at work '' this is so annoying! 

XX/XX/XXXX I called and ask the branch manager for the original copies of my contract I finally received them XX/XX/XXXX. ( I guess he stated he was busy ) I called XX/XX/XXXX to ask to why my charges are extremely high if I only received ( 3 ) checks in the amount of : {$1100.00} ( XX/XX/XXXX ) {$390.00} ( XX/XX/XXXX ) {$120.00} ( XX/XX/XXXX ) Which is ALL a total of {$1600.00} ( so your telling me it 's THOUSANDS of dollars in INTERST! ugh NO! ( explanation please! ) When I called XX/XX/XXXX I was on the phone with a sweet lady name XXXX and she could not figure out why my charges are extremely high. This company needs to be investigated. 

Then I get legal papers that say {$830.00} OWED, {$650.00} INTEREST {$9000.00} HOW! 

I 've sent an email to XXXX XXXX XXXX, XXXX ( Chief Administrative Officer ) XX/XX/XXXX with no reply or anything!

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Credit determination

Complaint: I have a hard hit inquiry on my credit reports from BARCLAYS BANK DELAWARE. I do n't recall completing a form or request for credit from this institution.

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 03/23/2017 about Mortgage (Home equity loan or line of credit) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Application, originator, mortgage broker

Complaint: My husband and I applied for an equity loan with Navy Federal. We were prepared but had to wait for an appraisal on our home. We applied for XXXX. Based on prior homes and XXXX XXXX taxes we are paying taxes access at XXXX the appraiser came out and said our house was only worth XXXX. He accessed our home accounding to XXXX bedroom homes in our community. He knew we have a XXXX bedroom. He even took pictures of all the rooms. We filed a n app ; eal with Navy Federal. They were surposed to make a decision in 5 days. We have not heard from them. We were assigned a loan officer and she wo n't even return our calls. I want them to send someone who will do the job right olr refund the money charged for the Assessment and want to be fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2017 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 status incorrect

Complaint: Hi, On all three of credit report, my student loan holder, XXXX XXXX XXXX has put my account as either late or delinquent ( the loan is for the amount of in excess of {$75000.00} now, and keeps growing ) for many years now and it has depressed my credit score that I ca n't qualify for an acceptable rate on an auto loan or anything else for that matter of importance, where I desperately need an access to borrowable capital to purchase big-ticket necessities. 

I 've received a letter from XXXX XXXX XXXX that they are recently conducting an audit of their loan portfolio and i know that they 've recently settled with your agencies. 

They 've been harassing me over this loan for more than ten years now and they have made it so that my credit score is so low that I 've had trouble raising my score above 600 for almost ten years, which has kept me not even eligible for ridiculous subprime rates..
Please help me and get this removed from my credit reporting please so that I may get on with my life and be able to finance a car or a home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I 've spent 3-4 hours trying to get XXXX  to provide my XXXX and XXXX credit reports so that I can negotiate a mortgage with a lender on a home deal that will expire soon. I received the XXXX report online just a few minutes prior to requesting my XXXX and XXXX, so why suddenly have I lost access to those reports? VERY FRUSTRATING! 

Unfortunately, they refuse to provide it to me online, requiring me to order by phone. So, instead of getting my credit report immediately, like everyone else, so that I can have a chat with a lender next week they 're now telling me that it may take up to 15 days just to process my report before they will even send it. The house I 'm interested in wo n't wait that long. 

I simply want to register how unfair it is that these credit reporting companies can hold our credit hostage despite no fault on the part of us consumers. Fact is, they have my information within easy access, but simply refuse to send it. Why on earth does it take 15 days just to process it? I can understand 24, or even 48 hours, but 2 weeks? And it 's 2018, for crying out loud, why am I having to receive it by mail?

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company is not working with me. They are not responding back. I need this account resolved and removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax uses non-US phone rooms to gather data on people and is unable to tell me how I am to file criminal charges against one of their employees stealing my data when that employee is in XXXX or XXXX.

Company response to consumer: Closed with explanation