milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2015 about Debt collection (I do not know) with CL HOLDINGS LLC (WV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt had been paid and to original debtor not this capsys, not sure how theyu report I owed them at all when bill was paid in full.

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Equifax has reported that a  XXXX  credit card account that I have was closed. This account is still active.This has caused my credit score from Equifax to drop over  XXXX  points. I have tried to resolve this issue three times with Equifax but the only result is that my score goes down each.  XXXX  has updated and correct information on my credit credit report if they would like to compare.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing has been making a disaster of my account for months. I applied for a modification 6 months ago. Ocwen put me on a trial modification plan at that time. Since then, they have LOST payments, returned payments, sent letters they had not received payments ( when I have the receipts for those " unpaid '' payments ) and have really NO idea what they are doing. I asked them on countless occasions ( called them over XXXX times since the first of the year ) WHY XXXX person at OCWEN has NO IDEA what the other is doing. The last time I spoke to a supervisor, he gave me the reason for all the confusion as being the fact that my " file is over XXXX inches thick. '' He assured me, as all the other people always did when I 'd call, that he 'd " look into it. " I finally received the loan modification agreement for me to sign and have notarized last Monday. Tuesday, the XXXX, I had it signed and notarized and back in the mail to OCWEN. 
Meanwhile, I again receive a notice that OCWEN never received my XXXX and XXXX payments. I have receipts for both. ( That 's when the supervisor told me he 'd look into it. ) Then, yesterday, the XXXX, I received ANOTHER notice from OCWEN that my account was now in default. 
This XXXX has been going on too long. I am afraid that because of OCWEN 's inability to keep even the simplest of facts straight, my already shaky credit score will suffer. 
Can you help, please? 
Thanks, XXXX XXXX ... I am currently unable to scan documents, so I am unable to send the last XXXX OCWEN notices : the " non-payments '' and the default letter I just got.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit card or prepaid card (Store credit card) with HSBC NORTH AMERICA HOLDINGS INC. (PR).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: XXXX XXXX XXXX threated to suit me ( XXXX XXXX XXXX XXXX XXXX ) and threated me to take me to court while I was unemployed and on financial hardship on XXXX 2013, and I am in a financial hardship as of now, and asked me to pay {$1800.00}. they did not care and asked me to pay the debt if not they will take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This is a complaint being filed on behalf of my mother-in-law who has a credit card with XXXX  XXXX XXXX XXXX through XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Ohio. According to her, she only used her card for one purchase, which according XX/XX/XXXX or XX/XX/XXXX was for {$1300.00} as of XX/XX/XXXX. However the statement listed her balance as XXXX even though she was paying her bills. After talking with a representative of the credit card company after my mother-in-law gave her permission, I was instructed to send a letter to obtain copy of her payment records to the address above. I sent two letters that has my mother-in-law 's signature -- XX/XX/XXXX and XX/XX/XXXX mailed on XX/XX/XXXX. Payments were included with the first letter and were process according to her next bill. The XX/XX/XXXX, letter was sent by certified mail USPS XXXX and was received. As of XX/XX/XXXX, I have received no response from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: GC Service tacked on {$6000.00} in fees. I feel these added charges are unfair and they make it hard for you too pay your loan over time. I Asked them where the extra fees came from and no one could give me a clear reason. The gentleman I spoke with said it could be some kind of service charge but he was n't sure either. I understand that my loans have to be paid back but it 's not ok to make some pay all these unknown extra fees. I 'm now going through garnishment of wages which is % 15. If I going to pay it back it must be for the right amount.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home Loans, Inc., XXXX. XXXX XXXX, XXXX, TX XXXX ( Account Number XXXX ) maintains a suspected practice of receiving home loan payments before the deadline of the XXXX of the month, holding payment several days and posting the payment after the deadline for the purpose of charging inappropriate late fees. I mailed a payment on XX/XX/2016 and Caliber acknowledged that they received the payment prior to the XX/XX/2016 deadline. However, Caliber Home Loans , Inc. did not post the payment until XX/XX/2016. When I complained that they had adequate time to post this payment before the late fee deadline, they defended themselves by claiming an inability to handle their heavy workload. I feel this is an inappropriate business practice that borders on improper. Customers should not be held responsible for the poor processing of payments by this Mortgage Company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have XXXX debts with Enhanced Recovery Corporation. XXXX debt was with XXXX that was ended in the year XXXX but ERC is reporting that it was open in XXXX/XXXX/XXXX. They will not provide me proof that this debt is mine and that the information is correct even though I told them the information they have is wrong. they also have been reporting a debt for {$180.00} that when I called and asked for validation for this debt they could not find the file. This is beyond unprofessional and i 'm requesting a full deletion of these reports on my credit reports.

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 09/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other

Complaint: I have inquiries on my credit report that are a hard hit, that I have not requested or authorized. The hard hit is affecting my credit negatively. I have requested for the company to remove them, and was told that there was nothing that could be done on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Consumer Loan (Installment loan) with Midwest Acceptance Corp. (MO).
Issue: Problems when you are unable to pay

Complaint: I am a co-owner of my daughters car. started to pay {$100.00} every month and I could n't for two months I tried to tell him that I am working again and I will pay {$100.00} every two weeks until I get caught up. He tells me that he did n't feel like doing a paper check every two weeks and if I did n't pay the full amount that he would garnish my check. I got mad and told him that I was not going to XXXX take my money and I hung up. I am trying to pay and he wants all the last three months on the XXXX when I want to pay a {$100.00} every two weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My student loan was previously with  XXXX   XXXX  which recently got acquired by  Navient. When my loan got transferred to Navient , they changed the repayment terms of my loan without my consent or knowledge. At  XXXX , I was on a graduated payment plan paying $  XXXX . Navient changed this to an interest-only payment plan with a monthly payment of only {$160.00}. When I called to explain the problem,  Navient  claimed there was nothing they could do because they re-payment plan was based on information they received from  XXXX . However, when I called  XXXX , I told them the problem and they said it was not correct. I got a letter from  XXXX  with the correct re-payment terms and sent it via pdf ( through access to my account on their website ). I am still waiting for Navient to do the right thing. I am certain that I am not the only one who has suffered from Navient 's attempts to change the repayment terms to their benefit after they acquired  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Payday loan, title loan, or personal loan (Installment loan) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a loan for {$7500.00} from Huntington National in XXXX 2007 to pay off some credit cards. It was just a regular installment loan, covering 10 years. I did n't realize until the next tax season that it was actually a home equity loan. I never negotiated that. I was mad at first because the interest rate -- I believe around 9 percent -- was way too high for a home equity loan. But I did n't go back and dispute because I was able to write off the interest at tax time. Since the loan is about to mature, I called Huntington about a payoff quote. From the conversations I had, I learned that for nearly 10 years, my automatic payment was being withdrawn on the XXXX of the month, eight days after the due date of the XXXX! I was told they have no record of me agreeing to do this. Since there is a 10-day grace period I entailed no late charges, but I discovered for the last near 10 years I have been paying additional interest eight days each month. So during the 116-month span I 've had the loan, I 've paid additional interest on eight days per month -- a total of 928 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These account are open because of fraud. I have disputed with the companies more than once. not sure why they continue to be on my credit report. 

XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3800.00} CAPITAL XXXX AUTO FINANCENeeds Attention Last reported : XX/XX/XXXX {$3000.00} In Collections/Charge-off XXXX XXXX BANK XXXX NA Closed : XX/XX/XXXX {$1000.00} Closed XXXX BANK DELAWARE Closed : XX/XX/XXXX {$200.00} Closed

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX ie XXXX XXXX was closed by the us govt die to illegal things now on one acct the credit builder act they called it to help increase my score has reported to XXXX and reduced my score by 120 points immediately after not at all fair warning closing of my acct after missing two payments of 22 mo to pay into the Acct and the loan WAS a CD ACCT AT {$1000.00}

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 05/29/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Billing disputes

Complaint: BANK OF AMERICA HAS NUMEROUS FRAUD TRANSACTIONS ON MY XXXX ACCOUNT AND WILL NOT RECOGINSE PAYMENTS LARGE ONES I MADE. I HAVE DISPUTED PER FCBA AND WILL NOT COMPLY WITH THE ACT. THEY HAVE IGNORED AND STOLEN XXXX IN PAYMENTS. AND REPORTING FRAUD INFORMAITON

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: TransUnion Credit Report Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 02/22/2018 about Debt collection (Credit card debt) with U.S. BANCORP (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had paid off my credit card in XXXX of 2016. 
In XX/XX/2016 someone broke into my truck and stole checks and Wrote 3 checks against my account. 
There was no money in the account. 
The checks totaled approx {$8000.00}. 
That approx amount then went back on the credit card due to insufficient Funds in the checking account. 
Copy 's of the police report and all requested paperwork was completed ON TIME.

4 additional copies of police reports were filed because they kept misplacing them. Additional paperwork was also filled out.

USBank has harassed me incessantly saying I owe money for paid off Charges. ALL CHARGES WERE PAID OFF!!!!!

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 11-12-2016 about Debt collection (Payday loan) with SECURITY FINANCE CORP (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The company I am complaining about is Continental Credit at XXXX, Tx. I have been getting calls constantly at work which I am getting in trouble for and had to put a harassment report due to all the calling. The few times I have answered at work the representative is always rude and says " We need your payment now! You said you would pay where is your payment? Do you have the money now? We will go get it from you right now tell us your exact location. '' I have XXXX and with them always calling and telling me I will be sent to jail due to non payment has made me have XXXX at work which causes me to put my duties at work a side so I can calm down which takes hours. I do not appreciate this at all.

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 09-06-2017 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (WI).
Issue: Trouble during payment process

Complaint: We claimed bankruptcy last year in around XX/XX/2016. Our accounts got frozen by my bank because i had a car loan with them but they choose to freeze them completely until they got a notice from the courts that everything was discharged. 

Once that was done I made catche up payments and did. however over a year later they are saying that i missed several payments and owe $ XXXX. I have sent them proof 3x that everything has been paid. 

They never send me a monthly statement on what i owe or of any late charges. Instead they sent me a notice that I owe $ XXXX in back payments. 

When we ask for this information they refuse. At one point they state I have a $ XXXX credit at the same time I owe $ XXXX and was stated that they maybe mixing up payments. 

this is for 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 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 08/19/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All XXXX reporting companies ( Equifax, XXXX, XXXX ) currently report XXXX revolving credit accounts as open when they are in fact closed and have been for at least one year. 
These are listed as XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I opened a credit card account with Chase when I moved to XXXX XXXX XXXX in XXXX. I used that credit card often and made regular payments with them while living in New York. Then at the end of XX/XX/XXXX/XX/XX/XXXX, I moved to XXXX and moved by banking account from Chase to XXXX, which had local branches nearby. I thought I had paid my entire credit card balance at Chase before leaving New York and had explicitly instructed my banker upon closing my account in person that I wanted to pay off my credit cards. But after closing my checking and savings there was still a small balance on the credit card. With my auto pay not set up because I had closed by checking and savings, the account was not paid. And because I had moved out of New York, I did not receive notices from Chase, who did n't have my correct contact information, informing me that I had an overdue balance. That balance went overdue for 90 days before I resolved the claim, which has destroyed my credit. I did not miss the payment because I could n't pay or did n't want to pay : it was because I did n't know that I needed to pay. And now I am not able to get access to credit because in large part Chase 's failed to alert me to the matter. It was n't a failure in credit payment ; it was a failure in communication, largely on the part of Chase. 

Despite having very significant credit availability today and not missing a payment in over 3 years, I still today have poor credit and can not qualify for a business loan that I desperately need, even though both my credit payment history is exceptional except for this event ( no missed payments in 3 years ) and also I have a great income and no existing debt. I have tried to resolve this situation with Chase bank, but they said they are unable to remove the claim or modify it to a shorter duration such as 30 days or 60 days, which would dramatically reduce the credit impact of the event. 

Considering, I was n't aware of the delinquency for such an extended period and the nature of the move, I do not see it as fair for my credit to be substantially impaired for another 4 years ( I am now only 3 years removed from the event and credit events last on your record for 3 years ). It was a logistical error, largely on the part of Chase. 

I have contacted Chase Credit Reporting Services, and they said that under no circumstances are they able to change their credit reporting to the credit bureaus. I have contacted the bureaus and my appeals are in process.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (VA mortgage) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a Ch XXXX in 2004. I did not reaffirm my debt with Regions Mortgage. But, in violation of the Bankruptcy Stay, Regions reported that I missed XXXX payments after the bankruptcy. Then Regions transferred the property to XXXX Mortgage who wrongfully reported that I missed XXXX payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with CalAtlantic Financial Services Inc (FL).
Issue: Trouble during payment process

Complaint: The money ( XXXX $ ) I paid to mortgage company XXXX ( CalAtlantic ) disappeared during my mortgage transition to the other mortgage company ( XXXX XXXX ). 
The XXXX ( CalAtlantic mortgage company ) erased my two regular payments and extra XXXX from the payment balance and marked it as " MissaplicationReversal ''. I have not received those money back. 
The CalAtlantic refused to provide explanations.

I also asked investigation initiation by my bank ( XXXX ). 
I requested investigation by XXXX XXXX ( new mortgage company that bought my mortgage from CalAtlantic ). They have not been able to provide explanations for 1.5 month. 
I claim that my money have been stolen by CalAtlantic mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Payday loan) with J.S Resolution Group, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Collector is trying to collect {$680.00} on a debt for XXXX XXXX XXXX. The collector is J.S. Resolution Group. The amount of the loan is only {$500.00}. I have been threatened to have legal action brought against me with or without my knowledge. This account is not owned by J.S. Resolution Group.

Company response to consumer: Closed with explanation