milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with Marlette Funding, LLC (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I received my loan online and make all my payments online, I never call in. I paid the account off in full per the amount on the website, then 2 days later they hit me with a {$7.00}. I paid that, then they hit me with a {$.00} charge. They wont give me a payoff over the phone and the one online is incorrect, they say they can only " Mail Me '' a payoff ( To collect further interest I assume ''. BEST EGG is an online lender that wont give accurate payoffs on the same site that you can actually the the payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Chase bank has not been been able to resolve an issue with our mortgage payments. Their failure to post a payment three years ago has caused damage to our credit score since it seems our account is past due. We have attempted to resolve this issue on numerous times to no avail. Every time we call, a new representative takes our phone call and, after looking at the evidence, agree with us that it was a simple accounting error. We wait for another three months and call again. As you can imagine this is a XXXX situation and we are ready to take legal action. A friend recommended we take our case to this agency. Thank you and hope to hear from you soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed the issue with Equifax, but have received no response other than a request for more information that I responded to over 2 months ago. I am trying to get a  " Fraud Victim Extended Alert ''   removed from the account. Equifax is extremely difficult to contact I have written 3 times via snail mail ; the last  X/X/2017   .

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: I have been a client with Bank of America since XX/XX/XXXX. While I was and am a loyal client I was granted the opportunity to work with them in XX/XX/XXXX. During the employment process they encourage all new employees to change over to an XXXX XXXX account. Given the " perks '' of the account I upgraded. 

I became employed with another financial institution in XXXX and went about my normal life. I logged into my account today in XX/XX/XXXX and noticed I was being charged a {$25.00} account maintenance fee so I immediately contacted BOA and was informed I had been charged this fee since XX/XX/XXXX because my " fee waiver expired. '' I received no notifications and being that I have not been employed there in over 2 years why I am I being charged a fee now without notification. They advised me that they could only waive this months fee but I want all fees from XX/XX/XXXX-XX/XX/XXXX to be refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have for many years tryed to find out about my loans and payments its been over 4 years since I have recieved any bills or even mail from them. I get things from the government but not from the lender. I was told that my credits would transfer if I went to a different college to find out that is false. Not one of my credits are eligible at any college. I would have never went to the private college XXXX. XXXX  is shut down because of that reason.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After reading your online advisory for student loan co-signors, I wrote a letter to XXXX and Navient requesting to be released from my obligation on my grandson 's college loan. I am a XXXX-year-old widow with limited income and have health issues. If the good XXXX calls me back, I do not want my grandson to bear the responsibility of paying the loan immediately and totally. I did send both companies one of your sample letters. XXXX did not respond but Navient did refusing to release me because my grandson had not made 4 YEARS of consecutive on-time payments. That is an absurd and unrealistic requirement designed to thwart co-signors from being released. Navient did not provide proof of his payment record with its terse response ; I guess they thought I should just expect the word of a dishonest, reckless company using deception to take advantage of its youthful borrowers. Navient also did not respond to the other questions I posed on the sample letter as well. My grandson can not recall being informed about the income-based repayment plans either. I would like to add my voice to those individuals expressing their concern about being caught in Navient school loans nets designed to snare them and their co-signors with deceitful, unethical and illegal business practices Future loan recipients should be aware of Navient. Finally, I thank the CFPB for its work in exposing these deceptive and harmful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Credit line increase/decrease

Complaint: I have several credit care accounts managed by Chase. I had taken a balance transfer offer from Chase upon opening XXXX of the cards. The balance transfer came with a 0 % finance rate for about 9 months. I made payments on time and before the promo rate expired, I paid off the remaining balance. Within 1 week of paying it off, Chase reduced the credit limit of all of my accounts with them. I went from a combined limit of about XXXX down to about XXXX. 

I believe Chase arbitrarily reduced my credit limits as 'punishment ' for paying off the balance and avoiding finance fees. 

This action by Chase severely degraded my credit limit to balance ratio and resulted in a very negative impact on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have previously requested that Experian remove a public record from my credit report as it has been over seven years. This was a state tax lein from the state of Alabama. This tax lien is not even mine! I filed separate returns when I found out what she did. This tax lien belongs to my ex-wife whom i divorceddivorced in XX/XX/XXXX. She has since passed away on XX/XX/XXXX from XXXX XXXX. The other XXXX credit reporting agencies have already removed this item voluntarily, but not Experian. How long is my former spouse going to punish me for divorcing her? The Consumer Credit Agency laws clearly state this should be removed after seven years except for bankruptcy. I would like to know what motive does Experian have to keep this on my credit report? Furthermore Experian had a duplicate tax lien on my credit report and it was also in the county tax recotds for all to see! This is an outrage that Experian is allowed to treat consumers in such a manner! 
Yes, you may publish this in any media!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: my husband passed in XX/XX/XXXX, XXXX Mortgage sold his mortgage to Carrington two months after he passed. I was paying the mortgage until XX/XX/XXXX when Carrington would not talk to me on the phone, they said I needed to send a Death certificate, Marriage Lic. and a Inheritance letter. I did this XXXX times, by fax and by mail and they keep claiming its unreadable and they never recieved a mail copy. then they sent a rep. out and told me the place was being forclosed that I had to move. Now its been 2 and half years and they are still giving me the run around. I have called numerous times and get very ignorant reps. no one will return my calls. So what is a widow suppose to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: After seeking the assistance of CFPB last year, I was finally able to secure a loan modification of mortgage loan with OCWEN. After going through the required trial period, my loan modification became finale starting on XXXX XXXX, 2015. In addition, I signed for ACH automatic payments to ensure my timely payments. However, the first direct payment was delayed because of supposed internal computer glitches. It appeared the glitches were resolved and OCWEN proceeded to debit my personal bank account for the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments. Therein lies the problem, despite having automatically taken my payments from my account, on XXXX XXXX, XXXX OCWEN sent me a letter stating I was now 31 days past due. In addition, I received XXXX letters dated XXXX XXXX, 2015, with the first letter purporting to confirm my request to cancel the ACH payments and the second letter notifying me that my loan was being transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (RI).
Issue: Problems when you are unable to pay

Complaint: Consumer portfolio services place my loan status on XXXX major credit bureaus as charge off without any written consent to me nor have they answered any email or phone messages i am late on loan and informed them of death in household being cause of reason

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 07/24/2015 about Debt collection (Medical) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was charged for a service at a hospital that was not mine. after calling the hospital they told me it would be taken care of. Instead they gave it to a collection agency. After trying to get this resolved no one would listen to me. I paid this debt {$360.00} to get it off my credit report. It is unfair that it is still on my credit report after paying a debt that was not mine after paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: for 6 months i have asked wells fargo to provide me with either loan modifcation documents, short sale or deed in lieu applications due to falling behind on my mortgage after finding false liens put on my property by my condo association, in which these liens were on my property prior to me receiving a modiication from wells Fargo in late 2014 after 5 years of lies and deciet. 
title documents fraudently done to allow me to receive my modifcation. 
when i found out these liens were there i turned to wells fargo for assistance, for them to advise how the modification can go through with these liens on my property. they claim they werent there and i have proved they were, they have themselves made a claim with the title company to cover themselves, but refuse to give me any help. 
they have sent me letters, clearly stating they deny me any help what so ever. and now they have placed a home into a collection agency, who states and wells fargo states they are going to foreclose on. 
they have said you received a mod in 2014, if your financial situation has changed we will re-review, 6 months still nothing. of course my financail situation changed. 
i requested deed in lieu documents - refused. 
there is no protection here with this company every step i take im denied and lied too. 
the office of the president at weels doesnt review these letters, because they dont care, they sent to a customer service rep in the esculation department, that literally has yelled at me, demeaned me and again refused to provide me with any assistance to maintain my home.

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 09/20/2017 about Checking or savings account (Other banking product or service) with PNC Bank N.A. (GA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XXXX XXXX I responded to a PNC promotion called " {$30.00} for 15 minutes '' here : https : //www.pnc.com/XXXX XXXX  On XXXX XXXX I received a call from XXXX XXXX. We set up an appointment for XXXX XXXX at XXXX. I mention the promotion, she is not familiar with it, so I email the link to her. I never receive a reply. 

On XXXX XXXX at XXXX, while I am stuck in traffic driving to this appointment, I receive a call from XXXX to tell me that they have cancelled the {$30.00} promotion early and wo n't be honoring it. I cancel our meeting.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about XXXX days ago it showed up on my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with my mortgage company for months trying to complete a short sale. The last buyer I had terminated the contract because she states my bank was taking too long to approve the short sale. I have a new buyer now and I submitted all the necessary documents and my bank kept delaying the process & giving me misinformation. They would tell me my short sale is still in review but have decisions made. They would also give me and my Realtor different information. 
They said they denied my short sale because they want the full payment they are owed. My house is worth less than what I owe and I thought the purpose of the short sale was for the bank to acknowledge that and write off some cost. They claim they are short {$450.00}. They are jeopardizing me to get a FORECLOSURE over {$450.00} I 'm totally baffled, disgusted and distressed ; this does not seem to be a legitimate reason to deny a short sale. I 'm sure there are many more cases like mine at this company. 
I do n't understand the reason behind the short sale if the bank was expecting full payment. The XXXX Program is nothing but false hope, a faade. This was a waste of my time, my realtor 's time, the buyer 's time & buyer 's realtor time. This bank has no due diligence, and I desperately need to know my options and request that someone look into this bank to make sure they are not conducting unethical or illegal business practices. Any information you can provide me will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (I do not know) with Utah System of Higher Education (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: There is an account reporting on my credit report that does not belong to me. Resulted from identity theft. Police report filed with XXXX PD report id # 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 10/31/2016 about Debt collection (I do not know) with Forster & Garbus LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had Forster Garbus, LLP contact me at my place of employment, which my employer does not allow, from phone number XXXX. They told me they are attempting to collect a debt from XXXX, a company I have never heard of. This debt they claim I have never been contacted about in the past, it does not show up on my credit report, and I have never heard of it. It is fraudulent and so was the harassing phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I started making payments through the online website XXXX for a debt that was owed. When I made the payments to them they provided a collection company Astra my credit card information and the company withdraw XXXX from my account without my permission. I spoke with both companies about the unauthorized charge, and they state there is nothing that can be done after money was taken fraudulently. I never setup an agreement with Astra or spoken with them about the case. The funds should be placed back into my account, because Astra received information that should not have been provided to them to collect a debt. XXXX states on every call they no longer have the case, and everything was done by their 3rd party company. If this was done to me I know it 's being done to others trying to repay debts that are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Deposits and withdrawals

Complaint: I opened a new checking account with BB & T in XXXX, I closed the account in XXXX of XXXX. During the year in which I had the account, I had direct deposit transactions, debit card transactions and upon closure, I received over {$2000.00} from the balance remaining in the account. In XXXX, I had a XXXX direct deposit transactions made by mistake to the closed account. XXXX of the XXXX deposits were returned to the sender, the other, the bank kept to pay off of debt owed from an unrelated account originating in XXXX, which was in a charge off status in XXXX. I have several issues with this transaction - First of all, the bank did not notify me of the fact that they took the deposit to pay off an old balance. I only obtained this information from them verbally after inquiring about the return of the ACH deposit to the sender. I have made numerous calls to the Executive offices of the bank, no one has called me back to talk to me about my situation. They sent me the attached letter detailing the charged off account. This letter does not describe their rights in collecting the funds from the ACH deposit made on the unrelated closed account nor have they have not sent me any transaction records of their taking of the ACH deposit to pay off the said debt. Anytime a bank makes a transaction on your account, they are to notify you, and I have not yet received anything and it is XXXX XXXX, XXXX, for a transaction that occurred on XXXX XXXX, XXXX Secondly - This letter does not indicate that the charged off account is formally closed or settled. Finally, these ACH transactions were made by my college, and were stipends from a XXXX XXXX and XXXX XXXX XXXX loan. It is my understanding that in the state of VA, you are not allowed to " garnish '' those such transactions, and that 's what this actually is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (MN).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX XXXX has called me several times and misrepresented themselves as an attorney or attorney 's office. They left misleading messages on my cell phone and called at inappropriate times on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation