milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2016 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a simple due date change on my loan from XX/XX/XXXX to XX/XX/XXXX to avoid being late and therefore being charged {$40.00} late fees. I was denied without being provided adequate reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX  XX/XX/XXXX 2XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX XX/XX/XXXX 4. XXXX XXXX/XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX. XX/XX/XXXX 8.  XXXX XXXX/XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/XXXX 12. XXXX/XXXX XX/XX/XXXX 13XXXX 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 11/18/2016 about Debt collection (Medical) with Armada Corp. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an issue with my insurance company in lat XXXX and early XXXX. I had XXXX bills that were not paid and were sent to collection. I communicated with Armada and let them know the insurance would be paying. In the process of me getting it all worked out they started trying to garnish my wages. The insurance company did pay most of the debt in febuary directly to the hospital and I did not hear from Armada again until XXXX. Now they have added more interest, more legal fees and have not taken the bills of that were paid or reduced the ones that were partially paid. I contacted XXXX at Armada in XXXX Washington and she refused to help me. She stated that I am responsible for the amount and the interest and she refused to help me. XXXX has a personal problem with me and said they have legal documents and would not help me. Armada also has attempted to collect this in the past and they know because of my child support garnishment they are unable to garnish my wages. She is doing this now just to rack up fees on the account and she well knows my situation from the last time before the insurance paid the bills. I was also not notified by the original creditor or armada about any remaining balance and Armada does not want to acknowledge the bills were paid by insurance. This company is know locally for dishonest tactics and now will not even answer my phone calls. Armada has also falsely reported the collection on my credit report causing my score to drop and affecting the interest rate of my last loan.

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 12/16/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Seterus is the service of loan in my fathers name who is deceased. 
They are attempting to foreclose on the property. 
I am offering to bring the loan current and continue to make payments however they will not provide the payoff figures to me. 
I have supplied both the Death Certificate and POA of my mother, the surviving spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (FHA mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Closing on a mortgage

Complaint: Name : XXXX XXXX On XX/XX/XXXX I signed a big bundle of FHA mortgage documents with Compass bank including loan estimate.
The loan estimate was date
d to XX/XX/XXXX The interest rate estimate was 4.15 % Th
en, a week after I received a bundle of documents from Compass showing the interest has increased drastically to 5.75 %.
This loan estimate dated XX/XX/XXXX- only six days after the issuing of the previous estimate.
I have copies of the loan estimates and will give you upon request. I do n't believe that the federal bank has increased the rate in that week and definitely not in such a high manner, so I do n't understand why they quote me a bait interest rate and then change that on me drastically. Compass is taking advantage of my need to close soon on this property and the fact that I already invested time and money including the appraiser cost. This is a violation of the truth in lending act. . The contact number of the first loan officer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX there is a second loan officer as well. Her name is XXXX XXXX phone : XXXX I need you please to advise me / contact the bank ASAP because we are about to close on the loan. Thanks a lot, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Payday loan) with Risecredit, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Name of Creditor : RISE Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, TX XXXX XXXX : RISE Amount : {$700.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with DISCOVER BANK (MN).
Issue: Billing statement

Complaint: Discover continues to state my balance incorrectly. Please see attachment. 

A last statement balance of {$310.00} plus the transactions of {$15.00} is {$320.00}. 
Discover is saying my current balance is {$460.00}. They are trying to get me to pay an additional {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (GA).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: TItleMax repossess my truck in the month of  XXXX . I tendered a negotiable instrument to TitleMax via certified mailing for full settlement of the devt owe to them. The tender was refused and TitleMax did not return my truck. This Govern by   XXXX   XXXX  . see below   XXXX   Georgia  XXXX   XXXX   XXXX  - COMMERCIAL CODE ARTICLE  XXXX  - NEGOTIABLE INSTRUMENTS PART  XXXX  - DISCHARGE AND PAYMENT  XXXX  - Tender of payment O.C.G.A.  XXXX   XXXX    XXXX    XXXX   XXXX . Tender of payment  (  a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.      (  b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.      (  c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.    Disclaimer  : These codes  may  not be the most rec

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12/16/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: Bank : Chase Bank Type : Business Checking Account number : XXXX In XXXX 2015 XXXX fraudulent checks were written on my business account. We contacted the bank immediately we noticed the XXXX fraudulent checks and gave them the XXXX checks information. We were advised to close the account which we did and we were assured that the monies will be refunded. Months later we noticed that only XXXX of the XXXX checks were refunded. We called the bank to find out why the checks for the amount of {$640.00} and {$570.00} were not refunded. We were shocked to be told by chase bank that we should have inquired about the status of the refund for the remaining XXXX checks within 60 days even though we filed the complaint for the XXXX checks within their required 60 days from the day the checks were cashed. For this reason they denied the claim for refund. Chase bank is now saying that not only should we have filed the complaint in 60 days which we did but we are also responsible for making sure that the claim is completed in 60 days. If a claim extend beyond 60 days and someone inquires about it, then the claim is denied. I think this is unfair business practice.. 
Please kindly look into this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I applied for a loan modification with XXXX XXXX XXXX during the summer. Well eventually I find out that my bank intended to sell my mortgage. The account number for XXXX XXXX XXXX is XXXX. I tried to find the proof of this since I had put the paperwork online in the upload section. Found out that I can not access this. Awful convenient for them. My account was transferred to Carrington Mortgage Services LLC. The account number for this account is XXXX. I on numerous occasions let them know I was behind and wanted to apply for a loan modification. Well finally I was sent an application. I filled it out at the beginning of this month and uploaded all the documentation they required. That was on XXXX XXXX of this year. On the seventh they indicated it was incomplete. So I uploaded the rest of the documentation on XXXX XXXX. The website shows that no one has looked at anything since XXXX XXXX. I called on Friday and they just brushed me aside. Why is there no one looking at my application. So on Friday I get a letter saying Carrington plans on foreclosing. I know that I am behind but is this not dual tracking? I have not even had anyone tell me what is missing or anyone even look at anything since XXXX XXXX. How can they make a decision if they do not even look at my application? So now I am going to lose my house because someone is not doing their job. This seems unfair. I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Chap XXXX filed in 2009. It was dismissed and closed because of job loss do to XXXX XXXX. Credit agency says they will not remove for 10 years claiming that they would only remove in 7 years if it was XXXX. I did not see that distinction in the Fair Credit Reporting act

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 01/31/2017 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Account opening, closing, or management

Complaint: My daughter was allowed to open a checking account as a personal account at the age of XXXX, without a parent or guardian being required a co-account holder. I was with my daughter when the account was opened and i specifically asked if this was permissible and was told by representative that it was. Her account fell negative multiple times and over a period of less than a year had been charged many many Insufficient funds charges / fees. Where as a parent i felt i was not given the notifications i should have been receiving to coach or even intervene on her behalf but was not allowed because she was the only XXXX named for this " XXXX Account ''. I feel XXXX % the representative did not fully disclose information that made these things clear, and i absolutely feel that despite i was present when then account was open that someone should have disclosed to me in writing with my signature that " I her parent '' was relinquishing my rights to represent my child by all definitions " a minor ''. We have since sought services from another banking institution which is where i learned that by our governed law in the state of XXXX she must have someone over the age of XXXX on a checking account with her as a co-account holder. I feel very cheated by BB & T and i am requesting all her funds be returned to her and that any and all reflecting negative marks that would affect her credit history be stricken from this account.

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 08-01-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX sent me a collection letter on an account that was closed two years ago. The original company electric, XXXX XXXX went out of business and was transferred to another company. When the service was transferred, I had no balance. I have since moved and today I received the collection letter saying I owed XXXX. I contacted XXXX XXXX and they said they did n't know why a collection agency was contacting me as I had a XXXX balance. I know this seems like an insignificant amount but I use XXXX XXXX XXXX to finance my education and I can not have any type of collection or adverse credit marks on my report.

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 01-11-2017 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan servicer improperly imposed a late payment penalty of XXXX % of loan principal XX/XX/2015 before loan balloon payment was due XX/XX/XXXX. They also failed to answer a question about refinancing loan that loan doc says is possible ( they claim they are not a financial institution ). They have demanded that final payment be in certified form wich is not required in loan doc. 

When I write to point out their errors they write back and say they have reviewed everything and everything is correct. The loan payment date is quite clear in loan document. They refuse to admit error. I have offered to pay all principal and interest due at balloon date but lender refuses to accept unless I pay late fee as well. 

They now threaten foreclosure

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 05/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient improperly calculated the monthly payments on a series of student loans by improperly using a shorter repayment/amortization schedule than was contained in the loan document. This has led to significant acceleration of the debt repayment and has caused financial harm and hardship in making higher payments than were required.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery Associates is co ntacting me to collect a debt I have disputed with   XXXX     XXXX   XXXX  . I asked for a Verification of  Debt Letter, wh ich I never received. They claim to have sent  one  already telling me I need to send a written request in order to obtain another.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My wife and I were victims of the XXXX XXXX flood in XXXX in 2011. We were offered a FEMA emergency Loan for {$20000.00}, with {$89.00} a month payments for 30 years, which we made monthly payments on. SBA/FEMA turned it over to a private collection agency, PIONEER CREDIT RECOVERY, INC. out of XXXX, XXXX. They threatened to garnish our wages, and we disputed the debt, and the verification came back that we now owe {$20000.00}, when their own form says we only owe {$15000.00} They have refused to honor our requests to go back to the XXXX a month, and I think what they are doing is illegal.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Comenty Bank/XXXX was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting Comenty Bank to correct the negative remarks on the credit bureaus and close out the case as it was discharged. Comenty Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. Comenty Bank has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with Comenty Bank I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. Comenty Bank started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XXXX - XX/XX/XXXX Then bank late from XX/XX/XXXXXXXX to present. During the months where they report current in XXXX, there was no communication with Comenty Bank. Why would they report current for some 5 months and then late again. No written communication from Comenty bank has been received since the discharge. My attorney stated that Comenty Bank was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr liberative prescription period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief Comenty has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.

Company response to consumer: Closed with non-monetary relief