milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is the test of the fax I sent to the company : I became aware yesterday that your company has reported my mortgage payment 30 days late on two occasions this year. I have never missed a payment and have access to bank statements to verify. This issue has impacted my credit negatively and I need you to correct theses negative credit entries immediately. I believe the problem that your company has considered non or late payments to be related to my impound account being re-evaluated and the payment increased as a result. I make all my payments automatically through my bank 's online bill pay feature. I suspect I missed the escrow payment increase notification but as soon as I became aware I increased my payment as well as sent additional funds to cover the amount that was behind. 
Your company has always accepted all of my payments including the extra {$220.00} to cover the impound escrow shortage. I have never failed to send a payment that included the full principal and interest due on my loan. 
Just to reiterate, this issue is extremely urgent as it is affecting my ability to secure financing today. I would really appreciate your response to me with a letter stating that the issue has been resolved and that the credit reporting agencies have been notified to remove the 30 day late notices from my credit reports.

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 10/22/2015 about Credit reporting () with Pinnacle Credit Services, LLC (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I need your assistance in removing a disputed account on my credit reports from : XXXX, XXXX, and XXXX. I have no idea about this account ; and I sure don'thave a written contract with the said original creditor, XXXX XXXX . Its having a negative affect on my overall credit score. 

Reporting Company reference : Pinnacle Credit Services ; XXXX. XXXX XXXX ; XXXX, MN.XXXX. 
Tel : ( XXXX ) XXXXXXXXOriginal Amount : {$250.00} dollarsWould you please have them to remove this from my credit reports. 

Thanking you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Have no way to call and settle debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Auto) with Sierra Holdings LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have ask the company to not contact me in regards of my account informed me they will still call me after I ask them not to then threat to repo the car. They are very rude and disrespectful I ca n't believe company like this exits.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with First Data Corporation (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/2018 XXXX XXXX is trying to charge me for a returned check fee that was drafted out of my checking account for a check that was written to XXXX No XXXX. I tried explaining that the returned check charge had already been paid and the lady argued with me telling me that it was my bank charging me. I continuously explained that it was not my bank and the lady told me it would not be removed and I would have to pay it again. I have a bank statement clearly stating the payment to XXXX for a returned check charge of XXXX and the one from my bank in the amount of XXXX. I am getting multiple calls everyday even after they have been told not to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian is reporting XXXX addresses that do not belong to me and need to be removed 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 non-monetary relief
Consumer complaint received 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 'm not sure where this debt came from. I was an XXXX customer in 2010 I payed all my bills and returned the devices when my account ended. I checked on my credit report and saw that I had a claim from XXXX for {$320.00}. I do n't know where this collection came from.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I contacted XXXX XX/XX/XXXX because I wanted to get my student loans situated and take part in the Student loan forgiveness program. I called and spoke with XXXX. I told him my situation and what I was wanting to do. He said they would help me get my loans consolidated and start the repayment plan. They went into my XXXX acct and setup a username id and had stuff sent to an email address that is not associated with me. I found all the out because I received a bill from XXXX stating I owed {$930.00} by XX/XX/XXXX. After contacting Fedloan I found out that everything they said they would do was not done. They were supposed to submit my forms so that I could be put on Student Loan forgiveness plan they did not. I have been paying them a monthly fee of {$39.00} since XX/XX/XXXX and for nothing.

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 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Federal Adjustment Bureau, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from FABCO # XXXX. I had previously disputed this account. I have never done business with FABCO. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. You are a unknown credit bureau company that has stored information that was not authorized by myself you are in violation under section 604 and 605 of the FCRA. 
My name is XXXX XXXX XXXX and I would like to place a security freeze on my file. 
I request that FABCO Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FABCO Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Bank account or service (Savings account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a saving account 5 year ago in HSBC XXXX and I have a XXXX credit card with them. I have more than 2 year without use my saving account because I supose that I will use my money when I need it. 
I have two months that I tried to transfer money to XXXX for XXXX friend before I came XXXX and I ca n't do it. I wrote and call several times to the HSBC XXXX and they request to me to send a letter signed with my XXXX copy in order to activate my saving account, I sent it since XX/XX/XXXX2015 by XXXX courier and was received ( I have the received confirmation ) and till now they do n't solve it. I went to the HSBC branch XXXX in California and they told me that they ca n't do nothing because my account XXXX. That is the big problem, because Nobody in HSBC do something to solve it. HSBC have a secure Internet system called " Contact Center '' which I always use to bring instructions to HSBC regarding security process like unlock my credit card to be used XXXX which I have plan to visit and for increase my daily withdrawal limit in ATM XXXX. All my data is linked to my accounts in HSBC XXXX the XXXX Card Credit and the Saving account ) that why I not understand how I can use my credit card ( I 've already purchased a mobile number here XXXX ) and I be personally in XXXX HSBC branch here XXXX and they have my saving account locked yet. I 've really facing off problem here because I need to have access to my money and make transfers to my credit card for buy food and I can not. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had taken several private student loans out from smaller banks that have since dissolved. XXXX XXXX took them over and now Navient has them. My interest rate has fluctuated and my payments made are not refelcted correctly. I still am paying XXXX private loans for a total balance of {$76000.00} owed, which is mostly interest they are charging me. These loans orginated in 2001 and they changed my interest from 4 % to up to 14.25 % without my knowledge. When I call to question why my minimum payments were so much higher they said I have to pay and pretty much hang up in my face. I decided to stop paying them and after XXXX months of being delinquent they finally agreed lowered my interest to 4 %. They are making it impossible for me to pay the principle off because everything is interest owed and I feel it 's armed robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Struggling to pay mortgage

Complaint: Everyone knows what 's happened ... .and ocwen is still getting our home ... this is for ms . XXXX XXXX ... .you sent my attorney a packet and in it you stated our insurance was XXXX..and XXXX ... thats correct ... .bc I cancelled it and changed it ... .but if you look right there in the paperwork submitted to you by ocwen that you so thoroughly researched ... there are premiums ... sometimes twice a yr ... in the amounts of XXXX ... XXXX ... XXXX ... but you thoroughly went threw the paperwork??? Right!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I first tried to consolidate through XXXX Loans. Somehow I got involved with Navient. I dont even remember switching to them!! They call and we set up payment to be taken out and my balance never seem to decrease and I ca n't get a home loan with such negative score from student loan!! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Other debt) with I.C. System, Inc. (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: They called someone who I am related to and told them about my debt and how much I owe. They stated that if I dont pay then other actions would be taken.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My private information ( e.g. social security number, address, birthday, etc. ) is most likely to have been stolen in the massive hack of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Shopping for a loan or lease

Complaint: On XXXX/XXXX/2006, a car sales man from XXXX XXXX, XXXX and Bank of America, forced me into an auto loan contract at an exorbitant interest rate. The name of the sales man is XXXX XXXX. XXXX XXXX in presence of the Finance Manager, told me that my interest rate is 7.99 % APR. When I refused to accept it, the Finance Manager told me, generally XXXX, XXXX, XXXX and other people of XXXX, get 3 % higher interest rates. He told me if I was white, he would give me interest rate of 4.99 % APR. He held my car hostage and told me that I had already signed my car as a trade and he told me that the car now belongs to XXXX XXXX. The Finance Manager told me that I had already signed the checks for {$3000.00} towards the down payment and I ca n't have it back. The Finance Manager and XXXX, told me that if I back off from the deal, I will lose the {$3000.00} and I have to walk home as my car belongs to XXXX XXXX as I have signed on the title. The Finance manager also added add-on products without my consent, even after, I declined the add-on products. I signed this contract under severe duress from this unscrupulous finance manager and XXXX XXXX who threatened, intimidated and coerced me into signing this contract. I can not find appropriate words to describe the pain, humiliation, grief and suffering, XXXX XXXX, Bank of America and the Finance XXXX from XXXX XXXX inflicted on me. Few years back I went to XXXX XXXX with one of my XXXX friend. XXXX XXXX spoke to my friend in XXXX and told him to stay away from me. My friend told me later that XXXX told him to stay away from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : RECEIVABLES PERFORMANCE Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: For a Capital One Savings account, you apparently need to have a minimum of {$300.00} to avoid any " maintenance '' charges. I eventually noticed the charge after two months, brought up my balance to {$300.00} in the middle of the month ( XXXX/XXXX/15 ), and was subsequently charged another {$5.00} on XXXX/XXXX/15. Based on my chat session on XXXX/XXXX/15, the representative said I would need to have {$300.00} each day ; so apparently I can not offset this and save myself from the {$5.00} fee because I can not go back in time to XXXX XXXX to bring the account back up to {$300.00}. 
So I will have been charged {$20.00} for an account that will have earned me about XXXX cents in interest over the same time period.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: In   XXXX   I was told by Equifax that my file was being handled by a special department called consumer affairs. They told me then that it was indefinite and they had no time frame as to when it would be released. They stated that this is for my protection but it has been nothing short of a hindrance to me. I have waited 6 years and I am constantly inconvenienced by this department. They are rude and wo n't answer any questions regarding my file. I have asked to be removed and they wo n't. I ca n't even take advantage of online credit monitoring because they have my file locked. How is this legal or ethical. It 's my credit file and I have to work hard to even view it, then wait days for them to mail me a copy. How is this protecting me? Consumer Affairs is not a department that is for the consumer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Company was negligent with customer data, with the result of putting the entire system with which the country does business at risk. The data that was stolen may invalidate the way we bank, secure our financial reputations, and are identified by the government. This does not even include the extreme risk of personal identity theft and the loss of money, time, and emotional wellbeing that goes along with that.
The additional information that Experian has lied overtly in their online web portal by randomly reporting if customers are victims of the hack is further evidence of their willful negligence.

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 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: XX/XX/2018  XXXX XXXX (CHASE customer service person on the phone help line)  advises my interest rate is increasing 150% - and although I tried to "opt out" of the increase, I was advised that the period to opt out has expired.  I received NO prior notice of an increase and CHASE said I couldn't opt out.In retaliation - I have cancelled my CHASE FREEDOM credit card and expect to pay off the card as oer the original terms of our agreement - despite CHASE advising they are increasing my interest rate 150%.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX 2017 ABC Financial Services XXXX XXXX XXXX XXXX Arizona XXXX  RE : Cease and Desist from Collections Dear : ABC Financial Services On XXXX XXXX 2017 I was contacted by one of your employees by phone, email and text message from ABC Financial Services regarding account number XXXX. I spoke with an agent by the name of XXXX and I requested that I do not want to be contacted by ABC Financial Services any longer. At this time I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. Furthermore I am respectfully requesting that you refrain from contacting me by phone, email and text messages. Please refrain from using such methods as skip tracing, by contacting my relatives and employer. Do not contact met at all!
Your continues calls, emails and text messages and such conduct has caused me to suffer humiliation, embarrassment, emotional distress and physical discomfort. Please take a note that any future unsolicited methods of contact will be reported as multiple violations enacted by the Federal Trade Commissions Fair Debt Collection Practices Act including sections > 805. Communication in connection with debt collection 806. Harassment or abuse 809. Validation of debts https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I HEREBY DEMAND THAT YOU CEASE AND DESIST all future calls, emails and text messages and that you update your records immediately. If action is not taken by you to cease and desist as soon as this formal letter is received. Failure to comply with my request will leave me no choice but to take appropriate legal action against you including but not limited to filing a report against your company under the Fair Debt Collections Practices Act.
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation