milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2016 about Consumer Loan (Installment loan) with LDF Holdings, LLC (MS).
Issue: Managing the loan or lease

Complaint: I took out the loan. I am currently paying 714.92 % interest on a {$700.00} loan. They are charging me {$860.00} finance charges on this loan. At the time, I was just looking for a quick, no credit check loan. My parents are the ones who told me that this was wrong. I should have done more checking to begin with and I am struggling to pay this loan, because I now live with my parents. Can you help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Struggling to pay mortgage

Complaint: I was approved for a modification, and my last payment for the trial payment was X/X/2017. After I made the required trial payments, I was sent the final modification documents. I signed the agreement and sent it back to the organization. When I called in I had a few questions about the terms. I asked about the deferred amount of XXXX, and I was told it was a balloon payment. I spoke to XXXX XXXX about the terms. I would told I had to pay the XXXX in a two year period. I advised XXXX XXXX that I was going to contact a HUD counselor to discuss the terms, as I did not understand her explanation. I contacted XXXX XXXX XXXX, and spoke to XXXX XXXX, who advised me that the modification was a good proposal. I contacted the bank to let them know that I had spoken to a counselor, and she was able to explain the terms. At that point, I was told my case was closed and the modification offer was rescinded. I did n't reject the modification. I had signed the papers and sent back the agreement. There should not have been any reason to close my file. I have the right to seek advice from a certified housing counselor, and I should not be penalized because I wanted assistance fromm a HUD organization. I have tried to dispute this issue and resolve with the bank to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NV).
Issue: Credit determination

Complaint: Verified with your office about Federal law in place to deal with such conduct Both American Express and XXXX Bank violated such law by refusing to issue me credit card based on loss they experienced with my name over 8 years ago. 
According to your office, 7 years can be reported or acted upon but not beyond. 
My credit score around XXXX which enable me to get credit with other banks. 
Both American Express and XXXX specifically referred to specific loss occurred 8 years ago Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Consumer Loan (Installment loan) with PIONEER CREDIT COMPANY, INC. (GA).
Issue: Managing the loan or lease

Complaint: I Held the check Pioneer Credit sent me for about 30 days before cashing it. I call Pioneer credit before cashing the check asking them if I pay off the loan early will there be any prepayment or other fee 's and what will the pay off amount be since I will not have the loan for the full term. I was advised there are no additional fee 's and I can call in to get a payoff amount anytime. After cashing the check, more then 30 days later I never received a statement in the mail. Pioneer Credit called me stating I have a pass due balance, I told them I never received a bill, I was advise that they do not send out bills, I ask why did n't you disclose that? They said they just do n't do that and waive the late fee and advise me to go to the website and create a account. When the next billing period came around there website would not allow me to register, so I called them and was told there is nothing they can do about the website but they can manually send me monthly statements as a courtesy. I never received any statements from this company. Once I realize my bill was coming up with them, I call to pay and get the payoff amount. I was told by a female ( note I misplaced were I wrote her name down at ) it was {$2500.00}, I ask why is no money getting applied toward the principle, she stated she do n't know and put he on hold several minutes to look into, when she came back she said its only based on the full loan term. I stated I 'm not keeping this loan the full term I want to pay it off because there 's too many problems with this loan. She then became irate saying you signed for it just look at the paperwork. I then stated this company seem like loan sharks and ask to speak to the manager. I ask him the same questions he gave me a higher number XXXX and XXXX if I wait until next month. I stated what? that makes no since why is n't my balance going down? The manager stated he was not educated in that field and cant answer my question and apologize for it.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax Will Not Let Me File A Dispute. XXXX : After receiving 5 emails from XXXX that there was derogatory info posted on my Equifax report, I tried to view my Equifax report and file an online dispute with Equifax. I entered all requested info on the Equifax form multiple times [ name, SSN, address ]. Each time I was given a page of 4 multiple choice questions to verify my ID. Each question asked about credit cards I 've never had, banks I 've never heard of or dealt with. I 've never had an auto loan in my life!. I completed my last XXXX in XXXX and have no outstanding student loans. So the correct answer to each question was " none of the above ''. That generated a page saying " Unable to Confirm Identity ''. Tried spelling my name exactly as it is on my SSN card [ slightly longer ]. Now Equifax could n't find my file & did n't even offer security questions. Friday XXXX, I phoned Equifax with these problems. Spent an hour talking to 3 ladies in the XXXX, including the supervisor. She said she filed the complaint for me and gave me a 10-digit confirmation number. She could not mail me a copy of what she wrote down as my complaint, so I could be sure she got it right. Tried entering the XXXX digit confirmation number today at Equifax site. Got " Unable to process your request '' .Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX, a Timeshare company failed to inform me of a change of agencies collecting maintenance dues. This Time Share company did not call, or write to inform me of this change. They turned unpaid dues into a collection agency prior to giving me an opportunity to handle my maintenance dues and an appropriate way. Now this collection agency information is a negative 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 03/20/2016 about Credit card () with CITIBANK, N.A. (HI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My credit report says that there is a credit card that has been open since 2002 when I was seven years old. There is no way that I applied for this card. The report says that the card is managed by DSNB and Citibank. I have not received any bills and was told by the customer service at Macy 's that there is no credit card in my name. Without access to the account number I have no means of closing this account. I am stuck in a situation where my identity and finances are at risk. I am scared that they will pursue me for purchases that I did not make and services that I do not want. 
I did an online search and found that I was not the only person in this situation. I desperately need help to close this account and to find out if any automated charges were made and to recollect any losses if possible. 

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 08/23/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (DE).
Issue: Struggling to pay mortgage

Complaint: This is the 2nd time I have applied for a loan modification from Ocwen. I also applied when my loan was held by the company before them. The sole source of income to pay the mortgage comes from the rental income received monthly. Unfortunately, since the day I purchased the house the market dropped. I am not able to sell the house for a price that would get me clear from the loan. The market rents have increased over the past few years but the rent doesnt cover the mortgage, the taxes and insurance for the property. I have struggled since the day I bought this property. I am beyond frustrated and feel that the lender is holding me XXXX because of the 8.625 % rate that is accruing on my adjustable rate mortgage loan. I know Ocwen Loan Services can make the numbers work for me and them if they would legitimately follow the guidelines of this program. I know that the Loan Modification was made for people like me who were victims of these mortgage brokers out for a payday. I know that I meet now, and have always met the criteria required of the Loan modifications. I need your assistance as soon as possible to get the Ocwen to help me lower my interest and my payment so I can afford my mortgage payment. Without your assistance, all the paperwork Im sending to them for this modification will go in the trashcan. To date, they do not respond to any of my questions they just continually keep asking for more and more documents. They wont return my calls but after they say they have everything that is needed nothing changes and they ask for everything all over again. I have been going through this run around for over three years. Please help, I was able to get my other mortgage company to do a modification on my other loan. I appreciate all your help in advance and look forward to your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Since XXXX I have deposited more than 5 checks already in my bank from my job, They do not offer direct deposit. Ever since i started depositing the checks they continually enforce a 7 day hold, and time and time again im told the amount would reduce after the 2nd deposit but it does not. It is not right to hold somebody 's paycheck for over {$1000.00} and not even offer me a dollar from my own check for a whole 7 days. PEOPLE HAVE BILLS TO PAY!

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 03/24/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information. 


Federal Trade Commission # 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 11/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: PORTFOLIO RC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX F SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have " Authorized User '' accounts that are not reporting on XXXX, but are reporting on other CRAs ( XXXX and XXXX ). I and the primary cardholder ( XXXX XXXX ) have both spoken with these creditors ( XXXX XXXX and Navy FCU ) concerning this issue. In both cases the creditors have affirmed that they have reported their accounts to XXXX.I have notified XXXX of this issue on 2 occasions and XXXX " Specialized Fraud Team '' dept. said that the 1. Navy FCU with credit-limit of {$17000.00} is being reported as deleted. 2. XXXX XXXX has not been reported at all. XXXX representative ( XXXX ) can be reached at ( XXXX ) XXXX ext. # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 am submitting documents to show proof of error reporting on my Experian credit report. This is directly from FICO report purchased on XX/XX/XXXX. As you can see my student loan shows paid on time on my XXXX and XXXX report but Experian is showing 150 days late. Also Experian is showing a paid collection that has been deleted from XXXX and XXXX reports. I was denied credit today due to these two inaccuracies. I truly believe Experian is not investigating these disputes because it shows last activity of no date where equifax shows last activity dates of XX/XX/XXXX and XX/XX/XXXX. 
The last complaint I filed they referred to a mortgage and I do n't have a mortgage and never have. It just seems like they keep making excuses not to really investigate these inaccuracies.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I do not recognize any of these companies and have not applied for credit at any of them!

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 08-01-2016 about Student loan (Federal student loan servicing) with Social Finance, Inc. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: SOFI appears to be a discriminatory and classic bait and switch activity. They start by " pre-approving '' refis for PLUS borrowers like me, then collect reams of confidential financial and personal information, ( all demanded online ). Next SOFI increases the " approved '' rate, and the company demands more and more confidential financial and personal information. CallS to customer service were ignored and/OR mishandled. With REAMS OF confidential information on the PLUS borrower now in their possession, SOFI then demanded more and more confidential information. When the XXXX documenting my pension income were determined " insufficient '', and SOFI demanded copies of my pension " award letters ''? and wanted my checking account numbers, I decided to investigate my suspicions on your complaint database. Sure enough, others have had the same experience.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the debt and submitted a dispute with the credit bureaus. I was told by the collection company that by submitting the dispute, they would have to re-open the debt. The reported the debt unpaid AFTER i paid it. This was XXXX. I reported them to cfpb and they immediately updated my credit file in all three bureaus to paid, this was in XX/XX/XXXX. Today, i checked my XXXX credit report and the balance was again {$310.00}!! This is pure retaliatory. They should be punished

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the XXXX time, McCarthy Burgess & Wolff is attempting to collect a debt on behalf of the XXXX XXXX XXXX that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I graduated from the XXXX of XXXX XXXX in XX/XX/XXXX, in XX/XX/XXXX I started the XXXX XXXX XXXX XXXX XXXX. Throughout this time my student loans were in deferment per the policies ( deferment through the time of maintaining XXXX XXXX student status and for 6 months after ). In XX/XX/XXXX I was a XXXX XXXX XXXX ( XXXX credit hours ) at XXXX XXXX XXXX XXXX. My loans should have still been in deferment per the policy. I found out that my credit report was showing late payments through Great Lakes, although my loans through XXXX XXXX were in deferment. I contacted Great Lakes and they said they would verify with the school ( XXXX XXXX XXXX XXXX ) and place my loans back into deferment. This was never done as it should have been and my credit report is still showing from XX/XX/XXXX through XX/XX/XXXX my loans were not being paid and were past due. 

These loans were not past due, per the policy the loans should have been in deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/2018 I was charged XXXX in over draft fees. Furthermore here was a fraudulent charge in the amount of XXXX dollars and XXXX cents. I then again was charged another XXXX dollars for over draft fees on XXXX the XXXX, although there should have been enough funds to have covered the balance for an atm withdrawl. I went into a branch and the representative advised me to get a new card in which I did and at the time the representative advised that I call to dispute the fraudulent transactions but each time that I do, they hang up on me, transfer me to the wrong department Or no one end up picking up the phone. I then went in and tried to go into a branch for a second time to resolve the issue at XXXX located close to my house and they denied me entrance because they had told me they were closed yet, the door showed that they closed at XXXX. Poor customer service and illegal fees is all this bank has done for me. I am requesting for all the fees to be reimbursed immediately and for the fraudulent charge that was done on my previous account to be credited as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2015 about Credit card () with DISCOVER BANK (IL).
Issue: Rewards

Complaint: Discover has an offer where you refer a friend and they give you a {$50.00} reward if the friend sings up. I referred a friend who got accepted but i never received the reward. On contacting the customer service i was told there was some error in the prior statement as i had received XXXX rewards which was then deducted from my current statement rewards without specifying it in the statement. On further questioning, they did failed to show me how much of error was present my previous statement.

Company response to consumer: Closed with explanation