milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2016 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CALIFORNIA BUSINESS BUREAU : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Original Creditor is " Medical Payment Data '' I do not have any Medical Collections Accounts of any kind. This information is erroneous and it is being maliciously reported by California Business Bureau

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection agency keeps harassing me about an account that was a predatory loan. I will literally be paying this debt until I am dead. I asked them to verify the debt and requested the original debt amount and contract with my signatures, because the amount they are trying to collect is not the original loan amount. It has been over 45 days and they have not sent me proper validation. No bill, no statement, no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Closing/Cancelling account

Complaint: I recently switched to the Chase XXXX XXXX card, and when it arrived I called customer service to cancel my Mileage Plus Club card ( also from Chase XXXX. The agent I spoke to on XX/XX/XXXX informed me that I would get a refund of my annual fee as long as I cancelled the card within 6 months of the fee being charged. She confirmed for me that I had until XX/XX/XXXX to cancel my card to receive a full refund of my annual fee. 
I called again on XX/XX/XXXX to confirm the refund policy and that I had until XX/XX/XXXX. Today I called to cancel the card and was told that the policy was changed XXXX weeks ago and that the new policy only allows 30 days so no refund would be issued. I spoke to a supervisor and he refused to help me in any way, or to provide me with a name or phone number for a more senior supervisor to help resolve the issue. Further he refused to provide me with contact information for your customer Ombudsman, XXXX of XXXX XXXX or primary regulator to report this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Medical) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls me every day to explain how they can collect this debt. They have also contacted my family members to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Capital one 360 has forbidden me from accessing my personal savings info and funds

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I was in the middle of trying to refinance my home when I saw a bankruptcy was reporting from XXXX. I tried to get additional information from the court house but they indicated they do not correspond with third parties. I then reached out to the bureaus to try and get additional information and they only indicated that it was verified. If I am unable to obtain the information and I am the one that would have filed it then how are the XXXX bureaus reporting it? I am extremely XXXX because I am only getting the runaround from them. I thought and everything I have seen indicates the bureaus have to be able to actually validate the information. Anyone with a computer can look up XXXX on the internet but that does n't make it true. Also my name is a very common name so how in the world can they just say they verified it with nothing more?

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 Mortgage (Conventional home mortgage) with Forthright Funding Corporation (WI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am refinancing my mortgage with my mortgage banker. ( Same person who did my original mortgage. ) Since my credit was pulled, I am getting a lot of mailings with refinancing offers which is expected. I received the attached in the mail, and was almost tricked into thinking these were from my original mortgage banker XXXX XXXX XXXX. Due to the confusion, I went out of my way to call XXXX XXXX XXXX and ask them about this. 
I looked up some of the regulations, and found that this was not supposed to be happening. 
Regulation N defines mortgage credit product as any form of credit that is secured by real property or a dwelling and that is offered or extended to a consumer primarily for personal, family, or household purposes. For a mortgage credit product, the regulation prohibits certain material representations in any commercial communication about any term of a mortgage credit product, including : The association of the provider of the mortgage credit product with any other person or program ; I am hoping something will be done to limit this type of marketing in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan with Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXPhone XXXXLoan no XXXX XXXX XXXX @ XXXX pm {$150000.00} was wired to Ocwen thru XXXX XXXX number XXXXFed reference no XXXXAs of XXXX XXXX they say they have no record of the pay off -- -- I have been called XXXX to XXXX times a day -- -- Threaten to be reported to the XXXXHave my credit reported late -- Harassed -- -- Yesterday I called and attempted to talk to a supervisor and got another person who said they ca n't do anything until its paid -- -Can not be connected to the dept that collects the money -- -I faxed copies of the wire transaction and pay off amount to them as wellPlease HelpXXXXXXXX-

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Medical) with Suburban Credit Corporation (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Never received opportunity to pay debt before it was reported to my credit report

Company response to consumer: Closed
Consumer complaint received 10-05-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My Navient Online account was locked, preventing access to my information. The site said to call to unlock my account. The phone number provided registers as out of service, or directs me to an automated call service which has no info concerning locked accounts. 

Emailing " XXXXXXXXXXXX '' results in a reply saying, do not email this account, please log in, ( which is impossible ) with a locked account. 

It seems that unnecessary burdens to account access are in place to prevent consumers from having the information necessary to make financial decisions. 

Please disband this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 sent 3 written request through certified mail requesting verification with my signature for the following accounts XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have yet to receive anything with my signature and they also sent me with my dispute results at they will not investigate these accounts again. I sent these request starting from last year and my most recent request was XXXX of this year. These accounts are hurting my ability to be able to get back in the 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 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Capital One Bank continues to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have hired a company to resolve this and they have not been able to do so. XXXX XXXX has reported information correctly about my payoff. The Credit Bureau is mispresenting the information. There were two late payments because of XXXX 's error. The mortgage was paid in full and closed in good standing.

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 12/22/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (WY).
Issue: Problems when you are unable to pay

Complaint: I am late on my Auto loan with Regional Acceptance Corporation ( Phone : XXXX ) www.regionalacceptance.com, They are calling several times a day, often before XXXX, and frequently back to back calls or 3-4 calls within 15 minutes of each other, in addition to emails, despite my having contacted them and making payment arrangements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (I do not know) with Halsted Financial Services, LLC. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX has contacted me on several occasion, however will not provide the purpose for their call. I have asked them not to call but they continue to

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (CA).
Issue: Managing the loan or lease

Complaint: I have a loan for a XXXX XXXX XXXX with Exeter finance. I have found a payment of XXXX dollars dated XXXX XXXX for which my account was not credited. Also I am not able to ever get a breakdown on how much of a payment went toward principle, it is very difficult to get answers from their Customer Service I have in times past spent hours trying to determine why my payoff remains so high.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Credit card) with URS Holding, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX, a representative of Altran ( XXXX ) called several of mt relatives in another state and a friend regarding my debt. I was embarrassed and furious! I told them that I do not have a job and that I would pay my debt when I get a job acceptance. I also told them to stop calling me. They stressed me out so much with calling that I blocked the number, and I received a call from a relative and non-relative that they left several messages on their voicemail. This is not right and should not be legal!

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I went abroad two years before graduation, triggering my deferment period. To correct for that, I called Nelnet customer service twice ( once in XXXX XXXX and once in XXXX XXXX ) to request assistance ; I also submitted deferment forms with the proper signatures and authorizations twice. The forms were filled out correctly and addressed to the proper location -- but I 've still been incurring interest expenses for months on end. They also have reported that I missed a payment even though my history clearly shows a payment that 's literally XXXX more than my minimum payment days before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a XXXX veteran who has been the victim of ID theft numerous times. I have sent Equifax several valid police reports asking them to remove and or block fraud accounts on my Equifax credit report. they will not do anything to address this issue. I am in the process of filing a lawsuit against them for failure to comply with the law. I wish this matter to be resolved prior to having to go this route. Equifax also will not update my credit file to reflect the correct information that should be reporting. The following accounts are still listed and are fraud and need to be removed ASAP. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear CFPB I received a modification, was current on the payments. the started sending payments back, then later found out they blocked my account internally. Since they made an error and wo n't remove any late fee 's or lawyer fees they added to the balance to allow me to become current would this become a breech of contract? If you are behind and they refuse It is your fault ... but I was not behind and they still rejected the agreed modification payment. keep in mind I had already made XXXX of them ... and they started sending them back to me with no explanation as to why ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection account appeared on my credit report by Portfolio Recovery Assoc. I have disputed this item XXXX different times with PRA with no response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Student loan (Non-federal student loan) with Tuition Options LLC (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Hello, well I am XXXX college and have loans through XXXX and Tuition Options from 2014. Tuition options would hound me through email, phone, and actual mail to pay. I do n't work as much because I am a XXXX XXXX XXXX and I only make a certain amount each check. I have other bills, groceries, and car problems to take care of. I would pay $ XXXX-XXXX if I have it to put towards my loans. I and my mom who is the XXXX at XXXX XXXX also asked could I pay my loans after I 'm done with school when I have more time to actually work and I was told no. Also I recently looked on my tuition options account and I was also on the phone with an employee their and they said I have n't paid anything or they did n't receive any payments which is a huge problem. I also tried to see if I can combine my loans from XXXX and Tuition options and I was turned down by tuition options in which a student " can '' combine loans and pay it off bit by bit after I finish school. I also recently agreed to a responsibility payment since I started my new semester in my bachelors, I want to pay {$50.00} each month on the XXXX. Understanding that I have been doing so and Tuition Options still is n't easing up on me. They 'd still hound me to this day to pay after I already paid {$50.00} on XX/XX/XXXX. It have n't even gotten to XX/XX/XXXX yet and they 're sending me emails saying they 'll report my loans to the credit bureau if I do n't pay and if I do n't answer their phone calls and mail. My credit is low because of them. My car is currently in the shop still because I have n't been able to pay for it yet. I 've been paying for tuition options, my other bills, and barely trying to put groceries in my home. I 'm a student and I believe what they are doing is harassment ; from sending tons of letters every two weeks to emails every week, to a phone call every month even when I make my responsibility payment. It 's XXXX and I 'm starting to be at my climax with them. I have all of the letters they 've sent me and I can look in my emails to pull up all of the times they 'd hound me and threaten to place my stuff in with a credit bureau. Please help me, in desperate need. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit card () with Comerica (NM).
Issue: Credit card protection / Debt protection

Complaint: I receive my XXXX benefits on the Direct Express Card provided by Dept. of Treasury, and I had unauthorized charges deducted from my account. I filed a claim on XX/XX/2016 and never received a refund, response or the forms I was supposed to get. I called and was told that they would resend the forms for me to sign again in late XX/XX/2016. I NEVER received them. I keep calling to see why I have n't received the forms, updates or my money back and I keep having to give all my information to get to " Level 2 '' and then they hang up on me. This is fraudulent and I need my moneu to live. Why is it the US Treasury allows this to happen to its people? Will you help me remedy the issue?

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Deposits and withdrawals

Complaint: My business has declined in the last two months, XXXX of my business accounts have been overdrawn for a couple weeks I spoke to a banker over the phone and explained my situation to them and gave them a date when I can bring the account current. My other business account with them had only {$1400.00} they withdrew money out of that account and put the money in the account that is negative, now both accounts are negative. All the money the business had was pulled out. Not only will I start being charged for the account that was already but now I have XXXX accounts negative. I understand they can offset an account but how can they offset the account and bring both accounts in the negative?

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WA).
Issue: Problems when you are unable to pay

Complaint: Have a loan with One Main financial ( formerly known as XXXX ) for around six -seven years, I renewed my loan on XX/XX/XXXX to get additional funds, the financed amount on the newed loan says {$8500.00}, after paying for XXXX year with a missed payment on XX/XX/XXXX and XX/XX/XXXX, they forced me to renew my loan which they call it defer, i ended up signing a new loan agreement in the amount of {$8900.00} which is higher than the orignal one ( {$8500.00} ) even after paying {$2400.00} all this money that i paid has gone out the window, did n't reduce my balance a bit, they use intimidation, such as calling multiple times a day, that i 'm behined a lot on my payments, leaving multiple messages by a person saying his is a district manager, when trying to explain the situation they are not interested to listen, all they say is pay our money, When i track back my payments, using my bank statments, i realize i was not missing a lot on my payments, but they used different tactics and harrasment to renew my loan, that put $ XXXX+ {$400.00} to put in their pocket, and me to repay all over again.i have to work hard to make {$2400.00} to pay them, they just used physcological tactics to put it in their pockets, the last intimidation i recieved from them was " if i do n't pay by the end of the month that my personal property will be garnished ''

Company response to consumer: Closed with explanation