milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (FL).
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 am re initiating this claim for the unauthorized inquiry on XX/XX/XXXX because their response to my 1st complaint is deceitful. I have never done business with this company and they have sent me a letter requesting my social security number in order to look into my claim. I provided sufficient information for them to look into this unauthorized inquiry in which they themselves do not know for what reason or on whose behalf it was initiated. Here is their response to my 1st complaint " In response to this complaint on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Clarity Services emailed the consumer to obtain the information necessary to assist the consumer with her concern. On XX/XX/XXXX, Clarity mailed the consumer a letter requesting the information necessary to assist the consumer with her concern. As of XX/XX/XXXX, Clarity has attempted to reach the consumer using all communication methods provided in the complaint. The consumer was unresponsive to Claritys attempts to resolve their complaint. '' I sent them a follow up email response and never heard back from them. Instead, they drafted a new email trail re iterating without responding. She wanted to work on my claim via phone and I said I prefer email. See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Medical debt) with Advanced Collection Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a medical bill that i am paying payments on, i have notified both collectors they are not only reporting on a bill i have a set payment plan on with the original collector ( the hospital ), but im not behind on any payments. I was neither notified or anything of items going to collections. I work for the government so they provide Insurance that was supposed to handle all of these. Now i have multiple collections agencies adding collections for the same debt with multiple bureaus and these were applied to my credit only ONCE I GOT APPROVED FOR A MORTGAGE. These are from several years ago, some from XX/XX/XXXX and XX/XX/XXXX. Not only are the bills paid but they are inaccurate and both adding the same collection. Its not fair to the consumer. XXXX and XXXX XXXX XXXX are both adding collections for the same debt that is being paid to the original collector. XXXX tactics and the credit bureau or the collections service i have no contract or obligation to pay will fix.

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 02/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an adjustable rate mortgage loan that has a very high rate of 9.45 % with very little going towards the principle. It also has a balloon payment of {$440000.00} due on XXXX XXXX, XXXX. In XXXX my loan amount was {$620000.00}. Today my loan amount is {$600000.00}. 
Over the last 10 years I have paid over {$500000.00} in payments with little reduction in the principle. I did not receive an amortization schedule and have not been able to get one from my mortgage servicer. I have complained many times to the mortgage company and my loan is either sold or the loan gets transferred to a new servicer. I have recently had a significant drop in income and could not make the payment. I have requested a loan modification under the HAMP program which was submitted in XXXX of XXXX. I am sure this would qualify as a predatory loan because of the high rate, non amortizing and excessive balloon payment. My monthly payment is {$5700.00}, of which {$4700.00} goes toward interest and only {$280.00} for principle. 
This is a loan that would not be made today. It only benefits the investors and makes it impossible for the borrower to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (VA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: My new loan servicer incorrectly applied an entire mortgage payment to principal, failing to give me credit for the normal installment payment. I became aware of this mistake via robo-calls every month asking me to make a payment even though it was automatically drafted on the due date each month since origination.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XX/XX/XXXX, I received, from XXXX, XXXX, XXXX XXXX XXXX, XXXX, a photocopy of a NOTICE OF ASSIGNMENT OF JUDGMENT in my parents ' mailbox. Their document was dated XX/XX/XXXX. This document came via first-class mail and was enclosed in an envelope with another AFFIDAVIT OF ASSIGNMENT OF JUDGMENT, dated Tuesday, XX/XX/XXXX, for a Final Judgement in XX/XX/XXXX, when I was XXXX years of age. I tried to speak with a representative at this law firm over the phone about this matter but they demanded my Social Security number. I refused and they would n't proceed with the call. I know for a fact that this matter is either an intentional fraud or a hoax. They are demanding {$2400.00}. Again, I have no knowledge of this debt from XX/XX/XXXX, as I was only XXXX years old in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Taking out the loan or lease

Complaint: In late XXXX One Main Financial added ad account to my credit file for a loan of $ XXXX. I have never had any loans in this amount or any dealings with this organization or any of their subsidiaries. I sent One Main letters beginning in late XXXX to inform them the account was not obtained by me and it was removed. Then in early XXXX it was added back to my XXXX credit report. I have sent letters to One Main and to the CEO of Springleaf ( the parent company ) regarding this matter to request formal debt accordance with Fair Debt Collection Practices. All my letters have been acknowledge and received and I have been promised that the matter will be looked into and I will receive a response but have yet to receive any respose. Then, after acknowledging my letters I began receiving collection notices, during the period where all collection activity should have been stopped as I requested validation of the debt. I hired an attorney in XXXX XXXX who has also sent formal letters requesting validation in XXXX XXXX and XXXX XXXX that have gone unanswered. I have also disputed the item with the credit bureaus ( XXXX ) and it still remains. My rights as a consumer as being violated to the greatest degree and it is not only unethical but inappropriate to report false information from an account that is not mine on my credit report after being notified that the account was never opened by me multiple times by both me and my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Bank account or service (Checking account) with Comerica (NY).
Issue: Using a debit or ATM card

Complaint: My card was charged of XXXX to XXXX XXXX and I do n't have an account with them my card number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Consumer Loan (Installment loan) with Lafayette General Medical Center (LA).
Issue: Managing the loan or lease

Complaint: I have been a customer of Delta Financial Services, XXXX XXXX, XXXX, LA XXXX since XX/XX/XXXX. I have paid on my account, on time, every month up until this year, XX/XX/XXXX. Every month the office called me on or around the XXXX of the month and I 've approved to process the payment over the phone and requested a receipt be sent to me by mail. The prior 3 months have been a financial challenge for me, and even thought they were late, I did manage to get my payments paid. They were never 30 days past due ... .never. My last payment was due XX/XX/XXXX. I had not paid it yet nor had I spoken with them to give approval to pay. I pulled up my bank account on XX/XX/XXXX and noticed that Delta Financial had processed my last payment in the amount of {$64.00} XX/XX/XXXX, without my approval. This is exactly 10 days past my due date XX/XX/XXXX. I am very disappointed in how this company has treated me. My account was not in a collection status. It was not 30 past due. What can be done about this? I see now allowing a company to have access to your account is not so much as convenient for the consumer but for them as well. When they want their money they will just take it. This should be against the law to do. This is not the only place I will be filing a complaint against this company.

Company response to consumer: Untimely response
Consumer complaint received 01/29/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have on multiple occasions submitted paperwork for a XXXX Loan Forgiveness Program to XXXX. Each time they have ignored by submission not responding in email or writing. When I call they give me the run around about why the application isn't processed and ask for more time. It is my understanding they were sued for their handling of these programs and I can not see where this has improved at all. As of today I am still waiting an answer on my third attempt to participate in this program.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: Whenever I put my money in my bank, it seems the money gets recorded as next day 's transactions ; It does not matter whether transaction is cash or check or mixed items. I keep getting filed overdrafted because of this. This should not be happening. I also get charged monthly fee every time because of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have worked in the public sector on a full-time basis since XX/XX/2003. During that time and until XX/XX/XXXX, my student loans were in repayment under the graduated repayment plan. The monthly payments made under graduated repayment were more than the minimum balance due each month. These graduated payments also were well above the income-based repayment calculated by the FedLoan program when I applied for XXXX in XX/XX/XXXX, but graduated payments are not considered " qualifying payments, '' regardless of the amount paid. My income has increased steadily since my XX/XX/XXXX separation date, yet the income-based monthly payment calculated by the FedLoan program in XX/XX/XXXX is almost {$200.00} less than the monthly payments due under the graduated plan. The income-based repayment plan recommended by FedLoan does not cover the interest accrued, and therefore, I am once again paying more than required in order to prevent an increase in the principal balance on these loans. The graduated payments made during the course of the qualifying XXXX time period ( XX/XX/XXXX-XX/XX/XXXX ) would certainly be more than the income-based repayment plan amount for the same time period. What I paid under the graduated plan should apply to the XXXX program, retroactive to the XX/XX/XXXX XXXX initial payment qualification date. I obtained my payment records and they show the amount of repayment required had I chosen an income-based plan prior to the establishment of the XXXX program in XX/XX/XXXX. They are attached to this complaint. I have retained counsel regarding this issue, with the next step in the process being outreach to your agency. Any additional information which would help support this request can be provided. Thank you for your time ; I am surely not the only borrower who is seeking a fair explanation and resolution to this exact issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Mortgage) with Ditech Financial LLC (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was part of the Greentree LLC Debt collection process with my Mortgage Loan via XXXX and was never included in the class action lawsuit. Is there anything I can do to claim any monetary funds due to the issues they caused my credit report, finances, etc.? Please let me know and thank you again for your time! WE were all taken advantage of by them!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: I closed an account with Chase due to fraud ( card ending in XXXX ) in XXXX Well I have noticed balance transfer fees. So I called Chase and this is the summary of what I was told : When you closed your account ending in XXXX the balance was transfered to the new card ending in XXXX. 
I told them they can not charge me a balance transfer fee because the account with them was closed due to fraud activity ... ..so far all Chase has been willing to do was close my account ending in XXXX and issued a new card ending in XXXX. 
I need someone 's help getting ... balance transfer fees paid back that Chase has been charging me for a couple years. When I call they have no answers for me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Payday loan () with GVA Holdings, LLC (TN).
Issue: Can't contact lender

Complaint: In 2012 I borrowed money from Spot on Loans and paid them in XXXX months later. They did auto withdrawals from my checking and I have the bank statements for proof this paid. Now I am getting collection agency calls to collect on this same account or rather same date of service, and that is the only Payday Loan I made on this date of service.. phone number XXXX XXXX XXXX and another collection Agency last week from phone number XXXX, XXXX. I explained this account paid in full previously and they always send it to another agency. They not only call my number but have found other people in my family their phone numbers. So I ca n't block them. It was my miss fortune to have to borrow from a PAYDAY loan company but I paid it in full. Now it seems that was not enough. I want them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX 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 03/27/2015 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (CO).
Issue: Loan modification,collection,foreclosure

Complaint: We had a Line of Credit with US Bank that was included in our 2013 Bankruptcy and has been charged off by the bank. We are trying to sell our house and the bank is giving us the run around about releasing the Deed of Trust in the county records. This is obstructing the sale of our property

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX, I visited a XXXX and we were going to apply for credit but when she told me it was XXXX i declined anyways fast forward I have a inquiry on my account from Synchrony Bank and I attempted to remove it because it wasnt authorized. I decided not to submit.

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 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: XXXX  : : claim #  XXXX  I called chase card benefits that my kids phone was stolen. She said to file a claim online which I did on  XXXX   XXXX   XXXX .   On  XXXX   XXXX    XXXX  , all I received from Chase was that I needed itemized sales receipted indicating the purchase of the price I am claiming.   - Your itemized sales receipt  ( s  ) indicating the purchase price of the item  ( s  ) you A police report was not requested til  XXXX   XXXX . When I received this email, I emailed back and called if we need to file a police report. Due to system error , Chase  needs to call me back. I didnt receive an email re : this police report or a call til  XXXX   XXXX ,   XXXX  . Chase is quite slow in processing this and many days have lapsed.     Also there was NO Prompts or mentioning in the claims online that a police report is needed!     Additionally the rep,  XXXX  called me on  XXXX  of  XXXX  requesting a police report. I told her and I have emailed you guys I can go and obtain a police report. She said, she needs to speak to someone or she needs to check something out.   On  XXXX   XXXX , she called stating the claim is denied because a police report was not in place.     Why wasnt I requested a police report in this email on  XXXX   XXXX  request?     I have been with chase when I was  XXXX   XXXX   XXXX . For 16 years, I paid an annual fee! If you look at my histories, I have purchased many expensive items! I do NOT have histories of filing lost or theft items at all. This is my FIRST item that is lost and this is how Chase treats me!     I feel chase is trying to avoid paying this claim. I am a good cardholder, I pay my bills on time, etc. I am not very happy. Whats the point in paying {$95.00} annual membership for? I paid this fee to have a sense of security when my item purchased is damaged and lost.       I will also file a BBB report and any other report that is necessary to have Chase cover this claim.     If I was told in the beginning or when I file this claim that a police report needs to be popped up then I would have filed a police report.       Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I never asked for a fruad alert to be placed on my credit ... I have went threw different measures to get it off my credit, Ivhavecwrote a letter and called and still no removal please remove the alert from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: OVER THE PAST 2 YEARS I HAVE TRIED TO GET ASSISTANCE ON MY MORTAGE. WELLS FARGO HAS NOT BEEN HELPFUL WHEN TRYING TO SEEK HELP AND I WOULD LIKE TO SEE IF ANY OUTSIDE PROGRAMS CAN ASSIST IN GETTING MY MORTGAGE PAYMENT LOWERED.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: We have been working with a homeowner on a hafa short sale with PNC Mortgage. MONTHS AND MONTHS of them " losing '' paperwork - despite fax confirmations. Now they are telling this XXXX couple that they were declined for hafa due to " inconsistencies ''. They REFUSE to elaborate. I can not imagine any inconsistencies, however, per their hafa matrix, they are supposed to request documentation to explain. They refuse and are telling us that they will only give an explanation if the homeowner requests in writing - this is not acceptable. We have a good offer and these buyers will not continue much longer. They have offered them a short sale wherein they will not waive the deficiency without a huge contribution. This couple is on XXXX and has NO MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I signed up with  XXXX  and Transunion to get my credit reports and scores, after adding a fraud alert on my reports with all  XXXX  bureaus. I paid {$1.00}, which was all they showed it cost. After about 2 months, I was notified that I needed to pay {$29.00} to keep receiving my reports and scores. I declined and they have not updated my scores since   XXXX    . I know that because I have a fraud alert on my reports, I am entitled to receive my information free of charge every  XXXX  days. When I call to request it, I get a couple of sheets, but not the full credit report. This has been going on for about   XXXX   months.

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