milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2018 about Debt collection (I do not know) with National Enterprise Systems, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Repeated phone calls from several numbers claiming to be from National Enterprise Systems. I have no debts with anyone - I have not received any written notification about any debts owed. I have tried calling back and get automated voice messages and can not resolve any matters. 

I have blocked at least 3 different numbers from this company and they continue to call.

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 04-01-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/XXXX my home went into foreclosure. The mortgage company was XXXX XXXX Mortgage. The loan was sold to a collections company by the name of XXXX XXXX XXXX in XX/XX/XXXX. I am requesting that this debt be removed immediately from my all of my credit reports for the following reasons : 1. ) The account started off as a collections account but was changed to a revolving account hitting my credit every month like a credit card even though it is a mortgage in collections. 2. ) The account was reported as closed in XX/XX/XXXX and then re-opened again. 3. ) I was contacted by the Attorney Generals office regarding the XXXX lawsuit and received a very small monetary settlement as a participating litigant because the original lender was found in violation of the Fair Credit Reporting Act, and 4. ) This is not the original debtor and I never signed any paperwork with this company saying I would pay this debt to them, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with Continental Finance Company, LLC (NY).
Issue: Other

Complaint: I had a XXXX credit card with continental finance I never missed a payment then all of the sudden the company said my online account as no longer valid because they changed to a XXXX company. I never received my new card and I continued to call the old company and I got no help. I made a payment on my old account for the balance but the representative afterwards could n't find it when I got a call from a credit agency after my card had gone into collections. I never received my new card and I keep getting calls from creditors about this account that has no way of paying it. I feel like I had been scammed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Hi CFPB, I 'm writing in furtherance to my previous complaint  XXXX . Navient 's response did n't address my concerns. I 've found out that when I make a payment that only {$2.00} goes to principle. Everything else goes to interest. I 'm  XXXX  now. I 've been making payments for a long time. I 've had my loans consolidated before and I do n't believe I was given accurate information on how this would effect the balance of my loans. They have not gone down at all. I believe that Navient failed to disclose the necessary terms of the student loans repayment and that the interest rate just resets itself. I can not keep making these types of payments. I think I 've been misled.   XXXX  Thank you for all your help!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing statement

Complaint: I made a payment for my XXXX bill on XXXX/XXXX/2015, however, the bill had not posted to my account and the payment was applied to my principle. I found this out because the card issuer contacted me to collect a payment and to inform me my payment was due. I explained to them what had happened, I requested the payment be applied to my XXXX bill, and that the {$25.00} late fee be waived. The woman said that she would rectify my account by waiving the late fee and applying the {$60.00} payment to my XXXX bill. They waived the late fee ( I was sent a message via the online portal ) and failed to correct my account, in fact, I was now being charged {$140.00}, more than double my minimum payment. I called them back to fix it. The gentleman was kind and said that he would escalate my account to get fixed. He gave me a reference number and said that I should be contacted by someone within 2-3 business days. He explained that I should see my account corrected and that my next bill would be due in XXXX. A week later ( today, XXXX/XXXX/2015 ) I still had not been contacted so I logged on to check my account and I saw that it still remained the same. I called and spoke to a customer service rep. who had to transfer me to her supervisor. He was extremely rude and said that unless I paid the {$140.00} I would go into default. He had me in tears. I feel that the card issuer is penalizing me for making a payment too early. I had called to rectify this and because they did not do as they said, I am now being charged a minimum fee PLUS an escalated fee due to being late. The {$60.00} payment was intended for the XXXX billing and all I was requesting is to help have this applied correctly. They threatened me with reporting me a delinquent and are charging me a fee XXXX the escalated fee ) because of their error. I called XXXX last time this evening and spoke to XXXX different people to talk reasonably. I ended up talking to an escalated specialist, but she said that technically I missed and payment and that the {$85.00} fee would not be waived. I asked her to please explain why I was being punished when TJXRewards told me two weeks ago they 'd fix this error. She could n't answer my question and told me her advice was that I start making payments on the {$140.00} or I would go into default. 
I 've never been treated so poorly, especially being a long, loyal customer. I feel that I am being unlawfully charged this " escalation fee ''. I ended up getting off the phone and sobbing because I 've been fervently working on perfecting my credit score for 5 years now and because of this card issuer it is threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I believe I was a victim of the Equifax security breach. I believe someone used information from my Equifax credit report to apply for and open several bank accounts. They also were able to obtain my banking information and were able to obtain an card linked to my money market savings account. The used this card to charge over {$10000.00} in international charges and transferred over {$4000.00} to an international account. Also, a Change Of Address form was initiated with the USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: please see attached, the complex had my info that I lost my XXXX job and need to moved because of the hardship

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Account opening, closing, or management

Complaint: My bank account was fraudulently used to where now my credit and opening a bank account privileges have been severely affected. I contacted the bank immediately and they were not helpful and actually quite rude when it came down to it. I am highly upset because through no fault of my own, my future with other banks/creditors has been adversely affected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Conventional fixed mortgage) with Security National Mortgage (NV).
Issue: Credit decision / Underwriting

Complaint: I was pre- approved for the loan 6 months or more prior to the loan being issued. Closer to the loan date I was asked for more information all of which I provided in a timely manner ( less than 48hrs ). I was using a program that claimed to rent out my previous home while I purchased a new Home. I had a signed lease agreement from he leasing company guaranteeing me a certain amount x 3 years and this was a company used by the builder who built my home. Also the loan company was recommended to me by the builder. About a week prior to closing I was told I needed a signed lease agreement by a tenant ; I was told I could fake one but I was uncomfortable with this legally. After I made my concerns heard, I was told they could appraise my previous home and they would rush this. It all went through but I was not informed that my closing date would be pushed back ; this lead to 3 extra nights in a hotel, my furniture being placed into storage and all of our screws to re-connect our furniture being lost and a lot of stress. I complained to the company then but they said they can not guarantee a closing date ; a fact that I wish they would have told me several months prior. It was the underwriter who was holding up everything. I have a good job and decent credit with no late payments ever so ... the only thing I could think of the underwriter had concerns about was my race- I am XXXX. I let this go ; I made my first payment early because I had the money and was changing jobs so did n't want anything to be seen late- the check was cashed on XX/XX/XXXX ; my first payment was due XX/XX/XXXX. I received a letter in the mail dated XX/XX/XXXX stating I owed 2 months payments. I emailed and called ; I was told the payment was applied XX/XX/XXXX on the phone but when I logged into the website it said the payment was applied XX/XX/XXXX -- so no letter should have been generated XX/XX/XXXX. Again I feel like they want to cause me XXXX and just assumed I would not pay because I am XXXX. I sent direct complaints to the company x2 with no response. I wonder how many other people have had these issue with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have requested validation of debt in writing on XX/XX/XXXX and no response. Statue of limitations of XXXX has expire ( last payment date is XX/XX/XXXX ) they are reporting a zombie debt and have ask in writing to delete it from my credit and no response on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been working with XXXX XXXX XXXX to settle my credit card debt and have been consistently mislead or lied to throughout the process. I recently sent them additional funds to pay off a small ongoing structure and XXXX XXXX relief says the payment will take a full month to be paid. This allows them to charge an extra month of account and payment fees, forcing me to send in another lump sum to cover those fees. If this lump sum takes another month to process, they will hit me with those same fees again next month.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Enova International, Inc. (UT).
Issue: Charged fees or interest you didn't expect

Complaint: I received an email from the company stating that transaction fees ( 25 % ) for cash draws made between XX/X/17 - XX/XX/17 would be reimbursed as a credit to my account balance within 14 days. 

I sent an email for clarification and they confirmed this offer. I then made an advance request. 

14 days later, I saw no credit on my account. I emailed and they said I would see it on my next statement. Now, 25 days later and after having received my statement, the credit is still not there. 

I Would not have requested the loan if not for this offer. They lied and tricked me into taking a loan with the promise of waiving the very high transaction fee.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.

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 12/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DE).
Issue: Settlement process and costs

Complaint: I started a refinance with Wells Fargo in XX/XX/XXXX. Everything was going good I was told in writing ( email ) that I was locked in a XXXX % for my interest rate. Long story short, week after week of checking in and making sure the refi was on track, I get a letter in the mail ( XX/XX/XXXX ) stating that my interest rate is XXXX % and my monthly payment is way more then what was discussed. I exhaust my resources with the local branch and turned to the National escalation team. Even the fact that I have it written that I was locked in at XXXX Wells Fargo is now telling me the best they can do is XXXX %. I talked it over with my local branch and they tell me with the rate at XXXX my payment would be XXXX, I was ok with that but XXXX min later I get an email saying that is not the case. So I call and now they say my payment will be XXXX. At this time XXXX XX/XX/2016 no one will return my phone calls. No one seems to be able to help me get the answers I need. There has been a lot of bait and switch with numbers and I feel like I do n't know which direction to go.

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 05-12-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX, 2015 I sent a validation letter. I have not heard back from them nor have they noted on my credit report that I am disputing these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I originally filed a disputed on XXXX XXXX for not accurately reporting my acct to Equifax. Turns out I filed the complaint on the wrong intetity. Equifax shows my XXXX XXXX card open date to be XXXX XX/XX/XXXX and the most recent report from XXXX XXXX in XXXX XXXX, XX/XX/XXXX. That is 10 months of age of the account. Equifax is reporting my account to only be 7 months old and this is causing a lack of credit score increase, which is in turn preventing from getting our mortgage loan. I would like Equifax investigated for knowingly holding back the proper reporting of my accounts and are costing me time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: TransUnion 's customer service would not help and take care of the negative inquiries reporting on my credit report. I have sent several certified letters advising them that following inquiries where not authorized by me. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/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 05/20/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: I applied for a Home modification in XX/XX/XXXX with Bank of America ( BOA ) ; the mortgage at that time was {$1000.00}. I was placed on a trial period ( XX/XX/XXXX to XX/XX/XXXX ) with a reduced payment of {$620.00} while it was being determined if I qualified for the modification. I have never made a late payment at any time of paying for my home. 
In XX/XX/XXXX I was notified that I did not qualify for the modification. 
In XX/XX/XXXX I started receiving foreclosure letters from BOA for the amount of the difference of the original mortgage payment and the reduced trial payment. 
In XX/XX/XXXX I wrote a letter to XXXX XXXX, CEO of BOA. In the letter I voiced my concern for the threat of foreclosing on my home and for the erroneous reporting to the credit bureau. I could not believe what BOA was doing, especially when I was given permission to make reduced payments. Not only did they threaten to put me in foreclosure ; they reported to the credit bureau late payments, for the months of XXXX through XX/XX/XXXX ; I was outrage. 
I received a response to my letter from BOA dated XX/XX/XXXX. In the letter I was told that my application would be reevaluated. 
I received a response letter from BOA dated XX/XX/XXXX. This letter stated I was approved for the loan modification. 
Later the next year my loan was sold to another mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Consumer Loan (Vehicle loan) with EQUIFAX, INC. (WA).
Issue: Shopping for a loan or lease

Complaint: My wife and I were shopping for cars. At each dealer they ran a credit report before we could consider an offer. Now XXXX of my credit inquaries are from dealer car shopping. I was told My credit is down graded because of all these inquaries. It is my understanding that all of these inquires should be counted as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Debt collection (Medical debt) with Medical Society Business Services, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I recieved a bill from a debt collector XXXX XXXX on XXXX XX/XX/XXXX for a emergency standing room visit on XX/XX/XXXX stating I owed XXXX past due at that time for services rendered. What they don't state is my insurance paid for said visit our obligation was a XXXX co pay which was paid at that time ... I sent certified mail stating this and requested a actual statement from XXXX XXXX stating actual charges..They sent a in house statement from their company.My concern is this is Medical Fraud .How did they obtain my info and why was I not notified prior to the Debt collector contacting me.Account number per XXXX XXXX XXXX XXXX   is XXXX

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 05-08-2015 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage has paid my XX/XX/2014 XXXX XXXX Property Taxes when they had already been paid by the title company. I have been working with them since mid XXXX to get the money back into my escrow account and they inform me they have request a refund from the tax bureau and the tax bureau has never received any thing from Freedom Mortgage. I have asked Freedom Mortgage for a copy of the refund request form but they have never provided me with oe. The amount of taxes paid by Freedom that needs to be placed back into my escrow account is {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I paid my payments monthly for years, my account did not seem to be going down, I asked for a monthly history, I was told they could not give me a monthly history past back 1 year. 

Eventually, I paid off that set of loans for my XXXX. I am now paying on my XXXX XXXX it would be nice to receive a paper statement, illustrating my balance. When my loan was transferred I asked for a copy of my payments once again they said they did not have the back payments information, XXXX only knows if they are applying my payments correctly. 

Also XXXX charged additional fees towards my school loans, after I had finished my XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation