milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Trouble during payment process

Complaint: I had XXXX XXXX on XXXX XXXX, XXXX and was unable to work for a few months. I returned to work XXXX XXXX, XXXX. In the meantime I was waiting for my short term XXXX to pay for the time I was scheduled off due to my XXXX approved XXXX. I finally received my payment on XXXX XXXX, XXXX. I am the sole provider to my household and fell XXXX months behind on my mortgage payment. On XXXX XXXX (? ), I contacted my mortgage company, Chase Home Finance and informed them that I was receiving my back pay and would like to schedule my payment to bring my account up to date. I scheduled {$2100.00} to debit from my XXXX XXXX XXXX XXXX XXXX account ( XXXX ) on XXXX XXXX when I can be assured the funds would be available. I waited for the payment to post which never happened. On XXXX XXXX, I checked my account on chase.com to see the payment was reversed. I immediately paid the payment in full through XXXX XXXX  who charged me {$89.00} for fear that I would lose my home. I contacted XXXX who said the payment did not process due to an " error '' and that I was still going to have a late payment sent to the credit bureaus. This is not fair. The money was in my account, it is not my fault Chase 's computer systemed errored my payment, I had to pay XXXX XXXX {$89.00} to get the funds there immediately and then I received certified mail a few days later XXXX letter was dated XXXX XXXX, XXXX ) stating an intent to foreclose on mortgage. Why did I pay {$89.00} to have the funds there immediately and still receive a letter. I should n't have a negative reporting on my credit report b/c it was not my fault the payment was late. The envelope sent to my home clearly read at the bottom " intent to foreclose '' so everyone can see. It is none of anyone 's business if I am behind on my bills due to an unexpected illness. My children saw it and became scared. I had to reassure them it was a temporary set back.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with 21ST MORTGAGE CORP. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing this complaint to request assistance with what I believe is an oversight related to the national mortgage settlements. I purchased my home in XXXX, 2007 with what I now know was a predatory, adjustable rate mortgage loan through XXXX XXXX. I unknowingly received XXXX mortgages when I purchased my home because I did n't qualify for the purchase price of {$320000.00}. Somehow XXXX approved me by giving me XXXX separate mortgages on the same day ; a first and XXXX mortgage. When I realized what was happening I was already emotionally invested and on a deadline to move out of my apartment. I had never purchased or lived in a home for that matter and was nave to the business ; and the alliance between the realtor, seller, and attorney " suggested '' to me. My home is currently in foreclosure and only worth XXXX {$140000.00}. 
My 2 XXXX XXXX have been transferred several times over the past XXXX years. XXXX, XXXX, XXXX, 21st MORTGAGE, and XXXX XXXX XXXX have serviced me since that time. 
I received a letter from XXXX XXXX XXXX back in XXXX forgiving my second mortgage due to the settlement with the DOJ. I never received any offers or notices of settlements from the other mortgage companies ; and I 'm wondering why I was n't entitled to any relief or reduction in the first mortgage, which is now being serviced by 21st MORTGAGE CORP . I am bankrupt and in debt just because I wanted to live the American dream! What 's worse is I faithfully paid my mortgage for XXXX years- over {$120000.00} in just interest-and now I 'm losing everything because I had a reduction of income after the birth of my son XXXX. I did everything I could to keep my home. I filed for Chapter XXXX. Modified. I just could not keep up with the XXXX mortgages and payments to the trustee without choosing between food for my kids and paying all my other bills. I just want to know if I 'm entitled to anymore help after such a farce has wiped out my entire life savings and left me in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am still having problems with XXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help

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 04/19/2017 about Debt collection (Medical) with Alorica Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They contacted my sister in law 's father attempting to reach me advising that I had an outstanding debt. His phone number and address has never been associated with my name or otherwise. I am not even sure how they were able to contact him. He asked multiple times for them to stop calling but they did not and kept calling for months. He finally was able to get the information to me and I was able to call them.

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 06/19/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I did a modification on our loan. I signed all the papers. Now since my husband passed away XXXX/XXXX/2014 a Veteran ( XXXX XXXX, they refuse to give me any information stating I am not on this loan and have NO financial obligation to them. This is my home for over 38 years. I would like to refinance this loan to lower my monthly payments to be able to handle my monthly bills, etc. I have had an attorney look up all the public records and I am on the recorded properties. The attorneys are baffled themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 'm writing today to file a complaint against Navient. Navient sent my 9 private loans into collection and has reported it as charged off on my credit report. I had been battling with Navient for months due to financial hardship I was unable to make my payments. Without any repayment plays other than forbearance, my account was sent to collections. I have since made arrangements with Navient where I am on a repayment plan that includes paying Navient faithfully every month {$250.00} dollars at 0.01 % interest rate. My total current balance of these loans is {$7900.00} which I have been trying to pay off since graduating college in 2011. Due to the astronomical interest rates on these loans, I have never been able to make a dent in the principal balance, it is a constant revolving debt of interest. I am a XXXX XXXX and am trying to move out of my parents house and become a homeowner. My credit score has been absolutely dismantled because of Navient 's credit reporting of charged off/account past due every month even though I faithfully make the direct debit payment of {$250.00} a month. I have been working closely with a credit repair company to increase my credit score so that I can qualify for a refinance in order to pay off all of my private student loans at a lower interest rate and finally get out of this ridiculous student loan debt. I can not do that though if Navient continues to report my account as charged off/past due. I would like for Navient to please report me as on time paid to the credit bureaus so that I can finally pay off these loans and move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2017 XXXX opened up an account for me for XXXX dollars. I believe this is an error because I never opened up an account with XXXX. I would like for this account to be removed because its making a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other fee

Complaint: We had a cash reward credit card with Bank of America as well as Checking Account. Since XX/XX/XXXX, we start to experience issue with the credit card, we kept seeing interest charged to the account even we paid off the full balance every month. We contacted the customer service and the interest were waived, but then the following month it continues to charge with interest. Called the custom service again, this time the explanation was the interest is continues to charge every day even your balance is paid in full every month regardless if you have a balance. This is NOT disclosed in the term and condition, as off now we have had been charged closed to more then {$500.00} in interests even the account has been paid in full. Another issue with BoA is that we originally set up an automatic payment that linked our checking account to this credit card account through their online system, but the account was never set up even we got an successful completion at the end of the process then we called their customer service, the representative claimed that they were having issue with the IVR system that could be the reason that it did n't successfully set up. She went ahead and set up the linkage but as off today it was never set up correctly.

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 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a ticket and now a notice from a collection agency for a toll violation in the state of Delaware which I do not believe is mine. I was not the driver of the vehicle at that time and therefore I do not believe a collection agency has the right to penalize some one for owning a vehicle that may have violated a few dollar toll, and then attempt to collect {$66.00} from that person by threatening derogatory credit reporting without proof of who actually committed the alleged violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Payday loan, title loan, or personal loan (Title loan) with STATE FARM BANK, FSB (FL).
Issue: Problem with the payoff process at the end of the loan

Complaint: the payment books ( 2 ) the payments was {$290.00}. I paid {$300.00}. every month the last page was blank that was # XXXX. went to insurance office for help finally walled the bank they said mail copy of payments the last payment was {$420.00} it looks like a ripoff to me. the bank state farm also gave me the third degree when I called never any problems with other banks

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 10/24/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX contacted me stating they were going to sue me and place a lien on my credit card for a fraudulent credit card debt that was opened when I was XXXX. Informed that I 've already disputed it and had it removed from my credit report almost 10 years ago. Informed not to contact me anymore and asked the representatives name. She would n't give me her name and I told her to have her collection agency remove me from her list. She informed me she was n't a collection agency. Used harassing and offensive language and said she was going to call my work. Informed I could n't get calls at work and she called anyways.

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 12-03-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Over the past month I have watched my credit score with Equifax fluctuate on a daily basis, ranging in dropping scores of almost XXXX points in less than one day, to raising, dropping, raising, dropping etc ... XXXX XXXX, 2015 ( score XXXX ), but that changed when I reported inaccuracies to this agency and my report was in the process of being replaced with the outdated information. On XXXX XXXX, 2015 ( score XXXX ), XXXX XXXX, 2015 ( score XXXX ) and today, XXXX XXXX, 2015 it is back down to ( score XXXX ). 
I have reviewed information contained on both XXXX XXXX and XXXX XXXX credit files and they have added items that are incorrect, deleted previously populated data and have basically frozen my account with DISPUTES on all accounts. Also, on a daily basis I receive emails telling me that my DISPUTES have been completed and that I can view the results online. However, if I look at them during that current time, they are stuck in the UNDER INVESTIGATION mode. 
I would like for Equifax to remove all history & disputes associated with my accounts as of today and repopulate my account with the XXXX XXXX, 2015 report and END ALL INVESTIGATIONS & DISPUTES from my account, and delete any DISPUTE comments made. The XXXX XXXX report is the closest report I can find in the past 4 months that appears to have accurate information on it, and I would like to start " fresh '' with that information and let my creditors update that information monthly as they 're required to do anyway. 
I have attempted to contact them over XXXX times to resolve the discrepancies and I have contacted the " Dispute '' department, who transfers me to the " Customer Service '' department, who then hangs up on me. This is either incompetence or fraud on their part, but they can go a long way to fixing the issues by restoring my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Other debt) with FIFTH THIRD FINANCIAL CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I received a call from XXXX XXXX XXXX threatening to sue and ruin my credit report over a {$250.00} debt I had with 5/3 Bank. Worried about my future, I paid the debt using my debit card and transaction is attached. On XX/XX/XXXX, I received a letter from XXXX XXXX about a debt balance I had of {$330.00} from 5/3 Bank from over 6 years ago. They said I had 30 days to respond or else this would go on my credit report. I called XXXX XXXX XX/XX/XXXX and they said their sister company XXXX ( law firm ) bought the balance from 5/3 bank and have been trying to reach out to me for the last 6 years. They said they would reduce the balance owed to {$250.00}, then to {$220.00}. I asked for further evidence about this debt but did not provide any more documentation. Concerned that my credit report would be impacted negatively, I paid XXXX XXXX {$220.00}. Realizing that I might have been scammed, I remembered that I had a debt collector, XXXX XXXX XXXX reached out about a debt from 5/3 Bank and paid {$250.00} on XX/XX/XXXX, the exact amount XXXX XXXX was looking for. This is when I knew I was scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2017 about Debt collection (Private student loan debt) with Ability Recovery Services, LLC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Ability Recovery Services Collection agency removed a debt from credit report in XXXX for creditor XXXX College. Received an alert on my credit report that this agency added this debt back on my report on XX/XX/XXXX with no written notice. I contacted the company the same day to ask to speak to a manager to ask about the validation of a debt with no written notice. I was spoken to rudely and was told I can not speak to anyone else. This file is currently listed under investigation with the credit bureau. Ive still yet to receive written notice to validate this debt to be placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I got sued and paid the loan off. Now I want it off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On the XX/XX/XXXX, I attempted to withdraw {$990.00} at a ATM machine and received a " Decline '' error message. I immediately attempted to use the second ATM machine beside the one that gave the " Declined '' message because I knew I had enough money in my account to cover the requested amount, but received a " Temporary out of order message from the second machine. No money came out of either ATM machines. However, when I checked my account balance, USAA deducted {$1000.00} on each ATM unsuccessful request ( XXXX twice ). I called USAA on the XX/XX/XXXX and informed USAA of their mistake. I told them no money was received and filed an ATM dispute. Since then, I have contacted USAA more than 20 times without resolution. 
On the XX/XX/XXXX, I received an email from USAA informing me that one of the transaction was reversed and that the amount of {$1000.00} was placed back into my account and that they regard the issue closed. My issue is that there was two deduction of {$1000.00} taken out of my account. The reverse amount does not reflect on my account balance. What USAA did was to give a credit of {$1000.00} pending the conclusion of my dispute. I need my money {$1000.00} x 2 back into my account. 
Solution : I need both amount of {$1000.00} put back into my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An apartment complex has sold a debt to Hunter Warfield in my name. However, I was never legally responsible for the apartment, I never signed a lease or any other legal document ; or entered into a verbal contract. While I stayed at the address temporarily, I am not responsible for the outstanding balance. They obtained my information from mail that was sent to the address. There is an individual responsible and that information has been given to the original creditor and Hunter Warfield. Both XXXX and XXXX consider the debt verified, however I know that there is no legal connection between myself and the debt, and they will not provide me with this verification. The reporting agencies and Hunter Warfield refuse to remove the account from my report and my next step is legal action, Plain and simple ; This debt is not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: The credit card account ending XXXX with XXXX XXXX XXXX XXXX is the subject matter of this complaint. This account was opened around XX/XX/XXXX Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX XXXXo provide a sworn affidavit that in fact they are suing me ( the consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.

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 08-04-2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a ROBO call from XXXX stating i was a person of interest. When I called the Company he Indicated he was from XXXX XXXX XXXX a debt collection company. Company Rep asked for my personal information I refused and stated that if this is a collection company simply mail me a VALIDATION OF DEBT, Company Rep refused and hung up.

Company response to consumer: Untimely response