milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2015 about Debt collection (I do not know) with National Principal Group, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company by the name of National Principal Group contact myself and several of my family member leaving a threatening recorded voice message. I spoke to XXXX of their " representatives '' all of which claimed I owed a several hundred dollar balance on a pay day loan, which I had never taken out. Each time I contacted their offices to request emailed documentation of the alleged debt, I was assured that it would be sent. Finally, after XXXX attempts to recieve this email, they sent a generic password protected email. I called back to question how to open the attachments, and the office manager hung up on me. I called back XXXX more times, and was hung up on XXXX times. I believe this to be a fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Medical debt) with Southern Credit Recovery, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a collection account for a medical bill. I had and still have insurance and met my deductible therefore no additional monies should have been billed. This has adversely affected my credit score and I need it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NV).
Issue: Problems when you are unable to pay

Complaint: I resently had to pay some unnexpe ted legal fees over {$6000.00} i had to miss two payments with i made a small payment one week witch i started tp make small payments so i would not get behind, finally i started getting back on track, my accountant tried to make a payment off {$100.00} they told her that the could not accept a payment of that low amout and that i would personally had to call them, their offices are closed early evening, i got up extra early to contact them oddly enough a tow truck was in front of my house talking my car at XXXX XXXX taking my car, without any notice from them regarding that they would take those acctions. witch was also the day i get paid and was going to make a payment to stay current. it only reason my vehicle was repossessed was because i {$86.00} dollars. Witch they purpoIely they not accepted the XXXX dollar payment that would have taken care of that. And when i called them they told me that nothing could be done unless i paid the late fees, the repossession fees and retaking fees of XXXX plus the two late payments and the XXXX dollars plus the towing fees witch comes to a total of XXXX in 3 weeka

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a loan modification through Wells Fargo whose interest is going up to 5.2 % next month. It is my principal residence. I 'm told that because it is a mortgage backed security loan I can not qualify for any program. I can only do a deed in leu or a short sale. The loan modification they gave me also consists of a {$34000.00} ballon payment and is an interest only loan and any additional money received would go to the balloon payment. 
This home is in XXXX California. I held on to my property even though it was upside down when many walked away. My home is still slightly upside down but is recovering. Now I am placed in a financial hardship condition through a dramatic interest increase. My home was previously purchased with my then fiance. Had such a loan been not acquired, my then fiance would not have received as much of a settlement. I feel like Wells Fargo is extorting me, and I find their behavior unethical and immoral. We, the American people can bail them out but in their interest of making as much money as possible can not and will not work with homeowners.

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 02/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I originally took out a loan for my my XXXX degree through XXXX XXXX. For reasons unknown my loan was sold to Navient, and now my interest rate is variable, and 11.5 %. I can not get any answers about how this change happened. In addition, when I have tried to work with Navient to get forbearance, they have repeatedly played games with me, made commitments they did not keep, and negatively impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Payday loan) with CASHCALL, INC. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Left multiple message at my place of employment with multiple people stating they are from the XXXX XXXX office. Also left messages including my name and stating they are XXXX XXXX the actual attorney looking for me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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 contacted all three companies bureaus transunion, XXXX, and XXXX on numerous occasions regarding my personal credit report wanted to know why my credit score keeps dropping when in fact i never apply for credit and my bills are always paid on time.example signed up with XXXX credit monitoring service, however i'm at a XXXX credit score for 3 weeks, then i check on XX/XX/2018 and my score dropped 9 points over night in addition my score dropped 18 points with transunion, and 10 points with XXXX, so my plight is if all my bills are being paid on time and i never applied for more credit and there is no negative information being reported then why is my score dropping this appears to be an personal vendetta against me for having lawsuits with all 3 credit reporting companies in the past.In addition they are not reporting that i have a mortgage which i signed on with XXXX XXXX XXXX as well. They are also reporting accounts which have been resolved with XXXX XXXX XXXX and ect. Please help me resolve these issues because it appears they have a personal vendetta against me for filing lawsuits against them for wrong doings.

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 12-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: Bank of America began putting holds on all of my deposits for the last 2 weeks of every month. I called them every day to get those holds released, and got different answers each time, from " sure, right away '' to " this is the last time we 're ever doing this for you '' to " we ca n't do anything about this, you just have to wait ''. I 've wasted at least 20 hours total over 3 months calling them to release holds. XXXX of these holds caused a payment to bounce to a charge card, which caused XXXX XXXX to impose a limit on that card, which previously had no set spending limit. In XXXX, they went a step further. They put a 10-day hold on a deposit, and then retroactively placed holds on all deposits from the previous week, which had already posted to my account, overdrawing my account by roughly {$2500.00}. They then bounced every payment that came in, which caused late payments to creditors and returned item fees. Some of the payment accounts charged a separate returned payment fee, which also bounced, and I now have XXXX accounts that are in collections. Bank of America then charged me NSF fees of {$35.00} per transaction 4 times a day. The hold notice I received said that any fees would be credited after the holds cleared, but that I would have to call them. When I called them, I spent 45 minutes on the phone, most of that time on hold, waiting for the agent to " see what she could do '' about this, and " not guaranteeing anything ''. Multiple times agents made promises that someone would call me back by the end of the day, and none of those promises were ever kept. Ultimately the fees were credited. But the effects remain : a charge card with a new limit that restricts my ability to operate my business, delinquency reports on my credit report for late payments as a result of overdrafts, 20+ hours of wasted time, accounts in collections, and literally hundreds of dollars in fees incurred as a result of Bank of America placing holds on my deposits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2015 about Mortgage (Other mortgage) with Fay Servicing, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Purchased my home XXXX XXXX XXXX was the bank holding my mortgage. My mortgage went from {$2300.00}. To {$2800.00} in a year at 6.5 % I reached out to XXXX XXXX in XXXX ( which his office tried to playoff that they were a law firm, they did nothing for me! ) you need to look into his company too. I stopped making payments for three months, it got their attention In XXXX I was granted a mod. In XXXX paid XXXX I signed documented papers from XXXX star. Paid XXXX XXXX mortgage, paid XXXX XXXX mortgage, it gets returned to me in XXXX. Took months before I was able to speak to anyone was told that I did not have a mod and they stated that will just return any payments from me ( LOL I have signed docs that I do ) XXXX went on for months scared of losing my house XXXX the un caring people at XXXX XXXX went to see lawyer # XXXX told me to get the following info. Went to lawyer # XXXX he sat on this for two years doing nothing for me but getting me more in debt. Now with lawyer # XXXX still currently with. 
My loan was sold to Fay Servicing, in XXXX. Lawyer # XXXX just wanted to settle, I did not! XXXX I have been threw, damages from XXXX storm could not reach out to XXXX because the state of the house was in foreclosure. As soon as XXXX XXXX from Fay Servicing wanted XXXX told my lawyer I did not have that much I was denied finical help. As of today working with my lawyer, not sure how all this will pan out. 
There are no longer honest people out there. The lawyers, mortgage brokers, and the bank that totally XXXX, sells to Fay Servicing who is in turn is doing the same thing. XXXX XXXX XXXX settles what happens to people like me that has been through XXXX and the ones that have lost their homes big deal they got a check. 
There is so much more to this story, just wanted to make it short.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received 2 hard inquiries from XXXX XXXX XXXX, which I did not authorized. These 2 inquires appear only on my Equifax report. The first occurredXX/XX/XXXXXX/XX/XXXX and the 2nd occurred more recently XX/XX/XXXX. As you may or may not be aware, Equifax has had a recent information data breach. So contacting them and attempting to remove anything is futile. I thought this had been handled last year after I had requested a 90 day freeze for every 3 months last year. Unfortunately, this appears to be a pattern of bad behavior on Equifax. I am trying to restore my credit and this type of behavior and malignant pattern is affecting it greatly causing my credit score to drop significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and XXXX XXXX and XXXX all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX  XXXX, NJ 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 explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX 2016 I received a call stating I owed XXXX to XXXX from afni. I called XXXX they have NO record of me as I have NEVER had XXXX. Now on XXXX XXXX I received a bill from afni and XXXX verified I had no responsibility to this! afni XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX is the address on the notice

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (DC).
Issue: Account opening, closing, or management

Complaint: I opened a business checking account with Chase Bank on XXXX XXXX, 2016 at the XXXX location. I live in XXXX and chose to drive to the XXXX location, XXXX hours away, because I had received advertisement for a {$500.00} bonus for opening a business account. While in the branch, I provided the banker, XXXX XXXX, with all necessary information, including my social security number and card. My account was opened, and I deposited {$500.00} into the account. On Saturday, XXXX XXXX, I received a letter that indicated that I had failed to provide my social security information when the account was opened and the account would be closed if I did not provide the information as soon as possible. 

Up until then, I had not received any contact from Chase that would indicate there was a problem with my account. I called Chase immediately, and I was told that my account was fine and to disregard the letter. On Monday, XXXX XXXX, I contacted my banker, XXXX XXXX. He stated that there was actually a problem with my account, and he would need to research the problem. After researching the matter, he called me on XXXX XXXX and stated that Chase had failed to record my social security information. He stated that this was completely a bank error and that he would fix the issue and my account would remain open. However, he asked me to re-sign the information I had provided in branch on XXXX XXXX and fax him a copy of my social security number. He faxed me the document I would need to sign the following day. On XXXX XXXX, I faxed a copy of my social security number and requested document. 

On XXXX XXXX, XXXX XXXX called me and stated that the account had been closed on XXXX XXXX, and that Chase would not reopen the account. He said that he had argued with management about reopening the account, but told me that management had chosen to close the account permanently. 

I am shocked and appalled by Chase 's actions. This entire problem was due to their incompetency and now I am must suffer the consequences. I still have not received the initial {$500.00} deposit I made on XXXX XXXX, nor have I received the promised {$500.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX systems continues to report a debt to my credit bureau that has been XXXX in a bankruptcy. My debt continues to be sold from agency to agency. I called them today and they said yes it should be closed. But the agencies on the back end keep selling it. It is now on my credit report once again. This has happened 3 times. I want it removed asap so we can pre qualify for a home loan. The current agency holding this debt, that was sold to them, is Pendrick Capital Partners.I should not have to call every XXXX months to have a debt removed from my credit report. This is haunting me and tanking my score. I feel harassed and defeated that this keeps happening. Someone needs to be held accountable. I 'm unsure why commonwealth financial systems has things straight in their records but these other agencies are still passing this debt around.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I am currently having difficulty with Navient private loans. My co signer passed away from XXXX in XX/XX/XXXX and I have been unemployed. I never received any confirmation on adding a new co signer or help with the loan only to make payments of {$300.00} or go into default and be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with Omega RMS, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid in full. Company updated report and then added the amount back which caused my credit report to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent request to XXXX, XXXX, and Equifax regarding reporting of a Chapter XXXX on my credit file. I received a letter from XXXX XXXX stating they do not send information to credit bureaus. The 3 major bureau sent me notification stating they received reporting on the account from XXXX XXXX. This is inaccurate reporting as nowhere on my credit file does it state that information was obtained from XXXX XXXX. It specifically states this was reported by XXXX XXXX. I sent the 3 major bureau a 2nd letter requesting this be removed for inaccurate reporting. I received a response again that it had been verified

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with CITIBANK, N.A. (DC).
Issue: Fraud or scam

Complaint: This complaint is a follow up to complaint number XXXX. 
As requested, XXXX XXXX from Citibank 's executive response called to discuss Citibank 's mishandling of its cashier checks. XXXX XXXX was polite and attentive while ( understandably ) careful not to acknowledge wrongdoing on the bank 's part. At the end of the conversation, we agreed that the complaint could be closed with no further action required. 

The matter should have ended there. However, instead of being closed, the complaint ( # XXXX ) was marked as a DUPLICATE in contradiction of the XXXX ' 2016 definition ( 5.4.4 ) ... a complaint " that does not describe or include any new issue, instance, or information ''. 

The only purpose -- that I can discern -- for designating the complaint as a duplicate is its removal from the CFPB 's database. Since one of the goals of the Dodd-Frank act was to hold financial institutions accountable, removal of pertinent consumer complaints clearly subverts the interests of Congress and consumers. 

The complaint is copied below to put it back in the record. 

COMPLAINT NUMBER XXXX This is a follow up to complaint XXXX in which Citibank failed to address any of my questions. They simply repeated previously supplied information. It appears that Citibank 's policy is ignore questions unless a new CFPB complaint is filed, which I'm happy to do until the situation is resolved. I have repeatedly requested to be allowed to discuss the issues with a supervising manager -- specifically to understand why Citibank created an unnecessary five month delay to supplying me with the information needed to recover {$10000.00} in cashier checks, and whether it is Citibank 's policy to have employees lie to their customers. The process was filled with broken commitments and lies ... and Citibank 's response regarding XXXX XXXX 's deliberately misleading information in which he adamantly denied that Citibank did not have the necessary information ( they did ), and that, even if Citibank had these records, they would not give it to me ( which was also not true ) was ... " please be assured that your experience ( with XXXX XXXX ) has been brought to the attention of management '' -- is wholly deficient considering the repeated hollow assurances from Citibank documented in my previous complaint. Although I finally received the necessary information, it took five months, numerous unanswered emails and and two CFPB complaints. I will continue filing complaints until I've had the opportunity to talk to a bank official about this matter.

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 11/16/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: For 2 weeks I have contacted Chase regarding fraud charges on my XXXX XXXX card, for XXXX weeks I have initiated contact with the vendors to get credit for the fraud charges, for 2 weeks I have given Chase the persons name, email and location, yet Chase continues to allow charges to my debit card. Why should I have to close my card and wait 5 days for a new card when they can contact this person to stop. Here is the latest charges XXXX XXXX XXXX XXXX XXXX. debit {$48.00}

Company response to consumer: Closed with explanation