milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company calls XXXX to 15 times a day, to both my husband and myself, and even if you pick up, they do n't say anything, they just hang up. As soon as you block XXXX number, they use another. It starts at the second day were late on a payment, and continues a couple days after we 've paid. If they do say anything when we answer, they threaten legal action of we do n't pay immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Experian To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,

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 03/28/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In XXXX I applied for a short term loan with my financial institution XXXX XXXX XXXX XXXX XXXX XXXX. I have been a member of this banking organization for 40 years. The application was not approved, due to a credit report received from Experian. Several visits to the credit union attempting to resolve this issue were unsuccessful. I was advised that this was an issue which I needed to address personally. I submitted a dispute on-line and a phone call but continued to get the same results. After complaining to my credit union again, they submitted a formal dispute to Experian, because they should have been listed on the credit report. Final results was on last week produced promising resolution. After three ( XXXX ) months of disputes, someone discovered the truth.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan modification,collection,foreclosure

Complaint: Caliber Home Loan, has violated the law by failing to provide XX/XX/2015, mortgage statement. I have ask for XX/XX/2015 mortgage statement, on multiple occasions. I have also ask why your company why it has failed to provide the statement for XX/XX/2015, with no response, thus far. Will you please provide statement for XX/XX/2015? 
If you can not provide statement for XX/XX/2015, I ask that you immediately cease foreclosure proceedings, and fixed all errors, in accordance with law. 
Your companies arrogance, and blatant violation of rules, set forth by agencies of the US government are troublesome. 
Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address XXXX issues that should be updated and corrected per the information contained in the BofA letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off XX/XX/2012. There should be no other charge off information noted to the account other than XX/XX/2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( XX/XX/2012 ). It would appear that this has had a direct impact on my reduced FICO scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off XX/XX/2012 and not recently as well as {$0.00} balance owed ). Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2016 about Debt collection (Medical) with Integrity Solution Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This has been happening since last year and the calls were not as frequent last year as they have been at the beginning of this year. They 've been calling my phone hounding me everyday about a medical hospital bill that I owe and no matter how much I tell them to stop calling and I will pay on it when I have the money, they still keep calling. Sometimes more than once in a run of a day. It 's persistent and annoying. It 's gone beyond the point of phone harassment because I tell them to stop and they still keep doing it. I just paid them XXXX XXXX dollars on this medical bill they keep talking about and normally when you make a payment, the calls slow down, even if it 's just XXXX payment. But no. I make XXXX payment, they 're still calling my phone bothering me to make another payment when I already told them that I DO NOT HAVE THE MONEY. I do n't get paid much at my job and I said I 'll do what I could after my bills are paid. My more important bills are a XXXX of a lot more important than XXXX hospital bill. I 'm not about to go homeless just so they can stop calling me. I want them to stop. I made a payment online that was on the paper bill I received and they said they got it. If they got it, they need to stop calling me. Or I 'll have them sued for phone harassment. I understand they 're bill collectors and all but I 'm not made of money. If I do n't have it, then I do n't have it and I 'm not going to make promises on days saying I 'll pay it then because I know I wo n't be able to if something comes up. They want their money and they will get it but I do n't need them harassing my phone. So long as they got XXXX payment they should be happy and not annoying as XXXX. I want something to be done about this and if nothing is, I 'll just have the XXXX phone turned off and any new phone number I get, they will not be getting. I do n't need the sound of constant ringing in my ear from people who just want money. I do have a life and other things take top priority of it. It will get paid when I have the money. Simple as that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Other mortgage) with TRIAD FINANCIAL SERVICES, INC. (NY).
Issue: Settlement process and costs

Complaint: daughter and i bought a mobile home set up in a parkter on welfare in public housing and im XXXX.She moved in her, her kids and boyfriend.She is cosighner im primary.She left in 1 month.I paid everything down payment and all..She never told welfare she was moving in and went back to the same housing.They have her listed as XXXX owner I asked to take her off they said refinance i asked my bank.they said they need a title the finance place said there was none.I paid for title insurance.It has a serial number..My daughter wont sighn to get it.She can come into this home anytime.She wont let go i told her to pay she wont.I just want out without being peilized or to get her name off the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: I purchased a used car in 2015 and received a 24 % interest rate due to my low credit score. Now my credit score has increased about 100 points and the loan company will not work with me to lower my interest rate. They suggested I refinance with another company because they do n't do refinances. Well, other companies wo n't refinance me due to how much I 'm upside down on the car due to the high interest rate. With this current interest rate I 've not made any progress towards the balance. I have had some payment deferrals and understand those effect my balance too, but if I had a reasonable interest rate I could make more progress and get this car paid off. They refuse to help!

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Bank of America refused to communicate with my attorney ( who I was forced to hire because they also refused to communicate with me ) for over a year to negotiate a mutually beneficial and reasonable settlement on the balance I owed them on their credit card. BoA has incorrectly reported delinquency dates and balances to all three credit bureaus for the past XXXX years even though I closed out the account in XX/XX/XXXX. This malicious reporting needs to be removed from my credit report immediately as it is preventing me from qualifying for a mortgage.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've submitted a complaint twice and I need to get this issue resolved. I have a inquiry that I did not allow to be on my credit report. I 've called and reported and no one has been helped.

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 04/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient is ruining my life. They wo n't let me re-enroll in an income-based repayment plan because my cosigners need to give financial statements. However, the last time they did it made my monthly payment go UP even though none of them are willing to help me pay. I spoke with a rep at  Navient  who told me if my cosigners call and say they are 'unwilling ' to help, she will change my payment based on only my income. Then I was told she did n't have authority and it went back to the original amount. I now have no means to pay and they wo n't put me in income based, let me put in forbearance, nothing. I told a rep that it 's effecting my mental health and physical health -- -- I ca n't even afford groceries and she responded that 's not her problem and it 's a personal problem I should have with my cosigners. I spoke with the head supervisor, she too said they are unwilling to help. I was denied from student loan refiancing and I have slim options to anything else at this point. Navient right now has me paying for 8 more years, I asked them to stretch it to 30 years - they wo n't let me do that. They are disgusting and this ca n't be ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (IL).
Issue: Can't contact lender or servicer

Complaint: I last spoke to them on XX/XX/2018. I am trying to contact them to payoff the loan. I have called, no answer, and their website is down.I donot want to be charged extra fees. I have tried for 3 days. XXXX XXXX. is where I went online.

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 10/23/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I sent XXXX XXXX a certified letter, requesting validation of a debt they say I owe ( {$320.00} ). The said letter was received on the XX/XX/XXXX. In  that letter, I asked that the debt be validated within 30 days ; however, I never got a response from XXXX XXXX. As stated in such letter, if the information could n't not be validated within the 30 day time frame, it should be removed from all three bureau 's. Because they failed to respond to my request within the timeframe, that is a direct violation of my FCRA RIGHTS. I am asking for resolution by way of removing this account from all three reporting agencies. 

Thanks kindly,

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 01/24/2017 about Student loan (Federal student loan servicing) with Lincoln Educational Services Corporation (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: back when I was in high school 1987 I was inquiring about going to a XXXX school Lincoln tech and I signed up for the school however I never attended I follow their protocol and sent a letter stating I would not be attending in the fall I then get a bill in the mail from student aid for interest I refuse to pay the interest payment because I never attended XXXX class I never received XXXX book I never went XXXX day to that school and the government for over 30 years has been harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Credit card) with FEDERAL PACIFIC CREDIT COMPANY, LLC (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: To The CFPB : XXXX My office has been receiving threatening and harassing calls form an alleged debt collector FEDERAL PACIFIC CREDIT. My office has received XXXX calls stated '' you must call us now XXXX, regarding a case number, " it is imperitive you call now, XXXX XXXX ''. I learned form calling this so called company back it is in regards to a predatory credit card that I had over 7 plus years ago, which was cancelled as I was legally advised to do called TRIBUTE CARD. This guy stated there is {$1300.00} in fees alone and more. A closed credit card even predatory can not charge fees on a closed account as per the FCRA. 

Under the FCRA this card is PREDATORY and I owe nothing to this predatory card, nothing. Secondly, it is over 7 years and this questionable debt collector with a very questionable website at http : //www.fedpacific.com in XXXX XXXX XXXX XXXX They gave my home address, asked for mailing address and called me XXXX. 
I never go by XXXX as well. 

My office checked the owner or a so called Executive is XXXX XXXX. My office learned as well under Rip Off Report this alleged company buys outdated debts from predatory credit card companies. 

My office was legally advised to file this complaint, if the harassment and threats do not stop, my office will take legal action to stop it on XXXX XXXX and her alleged Federal Pacific Credit Collections. 

Thank you XXXX XXXX, petitioner

Company response to consumer: Closed
Consumer complaint received 11-08-2016 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Credit decision / Underwriting

Complaint: On XXXX XXXX 2016, my fianc and I visited the Chase Bank retail location : XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. The manager, XXXX referred my fianc and I to the Mortgage Banker, XXXX XXXX. We sat down with XXXX XXXX to gather information on possibly applying for a Home Equity Line of Credit ( HELOC ). As we talked through the details with XXXX XXXX a couple of key factors discussed confirmed our inclination to do more diligence before we apply for the HELOC. First, when I was in my twenties I had a Chase Credit Card that got charged off and when I previously applied for a credit card with Chase I was declined due to the charge off even though it was over 20 years ago. Second I have strong standing with another banking institution that I wanted to talk to before I moved forward with a Chase application. Finally, my fianc and I had some steps we still need to take to improve our credit scores to meet the qualifying score needed for the HELOC. That day on XXXX XXXX, we let XXXX XXXX know we would hold off for now and be in touch with him when we were ready to make a decision. XXXX XXXX called us the next day on XXXX XXXX to request my fianc lift her credit freeze so he could process the application. Again, I reiterated to XXXX XXXX to stand down, that my fianc and I do not want to do anything yet. My fianc and I continued our due diligence and reached out the other banking institution, did some research on HELOCs and Fixed Home Equity Loans and started putting together our credit repair plan. On XXXX XXXX 2016 my fianc and I both received XXXX letters each from Chase Bank and one letter to both of us. They are as follows : " Notice Of The Home Loan Application '', " Here 's important information about your home equity line of credit request '' and the one addressed to both of us is a letter thanking us for our credit application to JPMorgan Chase Bank , N.A . We were shocked to open these notifications and read that a HELOC application with Chase Bank had been processed in our names and that they had submitted hard inquiries to the credit reporting agencies, without our consent. This is why we are submitting this mortgage complaint. Myself nor my fianc have been able to locate the contact information to send correspondence to the President of JPMorgan Chase or the Director/Vice President of Loan Processing to inform them and request their assistance with holding their company representatives XXXX XXXX and XXXX XXXX, accountable for processing a fraudulent credit application without the consent of the consumer. And more importantly expediting the removal of the fraudulent hard credit inquires from my credit report with the credit reporting agencies XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On   XXXX    XXXX , 2017 about   XXXX   XXXX  . I went to deposit cash in the PNC ATM ( they do not use envelopes for cash deposits ). I deposit {$65.00}, it kept spitting out a {$20.00} bill, and It ate it and said to contact financial institution, no recept for the deposit of {$20.00}. This is the 2nd time this has happened in approx 3 weeks!!!!!!!!!!! Last time it was at a different atm.
This was at   XXXX   XXXX   XXXX  , in  XXXX , PA.
I called PNC, they FLAT OUT REFUSED TO CREDIT MY ACCOUNT OF {$20.00}!!
I SAID I HAVE OUTSTANDING CHECKS OUT, AND THEY CAN BOUNCE. THEY ABSOLUTELY REFUSED TO EMAIL ME IN WRITING THAT IF A CHECK COMES THROUGH AND BOUNCES THAT THEY WILL NOT CHARGE ME A FEE. HOW CAN NOT EMAIL ME THAT STATEMENT IN WRITING?????????????????
i AM GOING TO LOOK INTO A LAW SUIT FOR THIS ONE, THIS IS SERIOUS!
yOU CAN NOT TRUST THEIR ATMS TO DEPOSIT CASH AT ALL. THEY USED TO HAVE ENVELOPES IN WHICH YOU WROTE YOUR NAME AND ACCOUNT NUMBER ALONG WITH THE DEPOSIT AMOUNT, THIS ABSOLUTELY CAN NOT CONTINUE.
THEY SHOUD BE SEVERLY FINED FOR THIS TOTAL NEGLIGENCE. THEY NEED TO HAVE ATMS THAT TAKE ENVELOPES FOR CASH DEPOSIT!

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Paramount Capital Group, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted XXXX XXXX at Paramount capital on XX/XX/XXXX in an attempted to settle a charged off debt of {$3700.00}. Collector stated that only the amount of {$3000.00} was acceptable at the time. On XX/XX/XXXX i received a letter from XXXX XXXX stating that {$1400.00} was an acceptable amount to consider this debt settled in full. I believe the collector has clearly violated Section 807 ( 10 ) of the FDCPA which, " prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation