milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2015 about Debt collection (Medical) with Van Ru Credit Corporation (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had XXXX in XXXX 2015. I have a hospital debt for a little over XXXX I made a payment of XXXX in XXXX 2015. I called the creditor in XXXX 2015 to set up automatic payment arrangements. I was told that my debt as transferred to a collection agency. I 1was provided w/the agency 's phone number. I called them the same day XXXX XXXX to set up automatic payments which I did. We agreed on XXXX monthly. An initial payment was made at that time. Today a get a letter from another creditor demanding money for the same debt. asking me to set up payments with them. In addition this new company has made phone calls to my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Consumer Loan (Installment loan) with Avant Credit Corporation (MI).
Issue: Taking out the loan or lease

Complaint: I borrowed {$9800.00} fro m Avant  and it turns out the interest rate is predatory at 33.95 %. I called to ask for an interest rate reduction. I was given the standard " you agreed to the terms '' speech, but as I remember, it came in pieces and I did not see the entire contract until the transaction was completed and the money had been deposited into my account. My complaint was escalated to the compliance department which can only be reached by email so do not have any faith my interest rate will be lowered or that I will be contacted in the stated 20-day time frame.     My credit rating is fair and I did expect an elevated interest rate but this is usury. I would like to warn anyone with a fa ir credit score co nsidering using Avant for a loan to ask what the interest rate will be because I do n't remember getting the contract before the money was deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On  XXXX / XXXX / XXXX , I discovered that a collection has appeared on my   XXXX   credit report. I have no idea what the collection pertains to.     The collection shows the amount of {$100.00} and an original date of  XXXX   XXXX . However, no account number, contact telephone number, or contact address is available. If I am responsible for the alleged debt, I should have been notified by letter of the existence of a collection. However, to date, I have not received prior notice of a collection account. Therefore, I have never had the right and opportunity to dispute the validity of the alleged debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016 I cancelled XXXX XXXX homeowner 's insurance and contracted with XXXX XXXX for homeowners as it was much cheaper. On XXXX XXXX the XXXX policy went into Effect. Ditech my mortgage company paid {$740.00} to XXXX XXXX without a policy being in effect on XXXX XXXX and XXXX XXXX cashed the check knowing it was cancelled. Then Ditch paid XXXX {$500.00} shorting my escrow account. So they paid XXXX homeowners insurances. I told them not to pay XXXX XXXX verbally and they paid them anyway knowing I had XXXX insurance. I have been in contact with the NC Dept of Insurance, The NC Banking Commission, The XXXX and with XXXX XXXX at XXXX XXXX XXXX on your side. I have filed complaints with all of these agencies. I have placed a phone call to XXXX XXXX, XXXX of Ditech Financial, LLC with no return call back. They have charged late fees, threatened to ruin my credit, said I owe them {$1100.00}. My payment was {$570.00} and is paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But they have stolen my money and have taken it from my payments and charged exorbitant interest rates, hardly put anything on the principal and they sent me a check for {$520.00} which is in error and I have not cashed this check. These people are total XXXX. This is simple math, their error. All I did was change insurance companies and they have totally mishandled my account and have not rectified it yet. I want them to be prosecuted to the fullest extent of the law and put out of business as they are not competent to handle money. I have talked with their customer reps and supervisors to no avail thus I have filed numerous complaints hoping someone can resolve this for me. The laws need to be changed because Ditech should not have been able to pay XXXX homeowners policies when I had cancelled XXXX. Please help me. I am XXXX and have this mortgage and they are causing me so much XXXX and I have a XXXX XXXX. Please get these XXXX to fix my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (I do not know) with USI Solutions Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Got a call from USI Solutions , Inc but did n't answer. Did a little research and found out they are junk debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with CORELOGIC INC (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. However, the company has not granted my request nor provided any supporting information resulting in permission and/or granted permission by me, the consumer, to have my credit file reviewed. Please view the company 's response. 
Therefore, I am seeking your assistance in this matter.

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 adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: SPS continues to ignore the real issues of my complaint as described in our attached verified and notarized statement in opposition to their response to our CFPB complaint case XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 have been disputing with credit reporting agencies of XXXX XXXX XXXX account for the amounts of XXXX and XXXX. I 've been a victim of fraud for about 10 years and every year, I am fighting battle of accounts that not mine. XXXX and the credit reporting agencies refusing to show me my signed signature opening an account or proof of my identity opening this account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is an item I have disputed several times reflecting XXXX Mortgage which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We are writing this Complaint due to the fact that our Family experience a Hardship & that we have made many effort to workout somekind of re-payment plan by making numerous request to our mortgage company Wells fargo Bank. On XX/XX/2015 my Family experience a fire in our Heating/Air System we later found out that our warranty had expired the previous month. Due to our warranty expiration we were notified by our Homeowner Insurance that our Heating/Air electrical fire was not covered.Due the news we faced a large repair bill that had to be fixed due to the very hot weather & the recent moving of my mother-in-law whom is suffering from a XXXX XXXX ... we made many calls to wells fargo & never got any assistance but the usual transfer & hold for long times. On XX/XX/XXXX my wife & myself finally were transfered to the Home Preservation Dept. The representative we spoke with advised us that we did qualify for a repayment plan but only within 90 days & that we should of been advised of that previously. the representative said that we had to pay the entire balance and they could not help us with a re-payment plan.since then Foreclosure has been filed against our Property.we are filing this complaint because we made many phone calls & we were not advised properly about the repayment plan rules.. since then we have made efforts to make payments and it has been refused ... Please Help a Desperate Homeowners..

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 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Within less than a month my credit score has gone down XXXX points to XXXX went up to XXXX and down to XXXX from Experian. I am not sure if this is in retaliation for filing a previous complaint with the CFPB ; which they have not addressed yet. I need Experian to fix this negligence with people 's credit score. Nothing new has been reported.

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 06-07-2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (PA).
Issue: Managing the loan or lease

Complaint: I disputed an account with American Honda Finance with the XXXX major credit bureaus and directly with AHF. The credit bureaus and AHF both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I PREVIOUSLY DISPUTED AN ACCOUNT THAT WAS REPORTING ON MY EQUIFAX CREDIT REPORT. THE NAME OF THE ACCOUNT IS XXXX XXXX XXXX ( XXXX University ) AND THE AMOUNT IS {$1100.00}. XXXX XXXX XXXX SUBMITTED A REQUEST TO HAVE THIS ACCOUNT REMOVED FROM MY CREDIT AND I HAVE NOTICED THE ACCOUNT IS STILL PRESENTLY ON MY CREDIT REPORT. EQUIFAX NEEDS TO DELETE THIS INFORMATION AS THEY HAVE ALREADY RECIEVED THE REQUEST FROM THE REPORTING COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage was supposed to apply the HAMP incentive ( Dodd Frank ) of {$5000.00}. to the principal balance of my loan on the 6th anniversary of my loan modification on XX/XX/XXXX and they have not done so as of XXXX XXXX, XXXX. My loan was sold to them by XXXX in XXXX XXXX and I followed up with inquiries as the 6th anniversary approached, sending them my copies of the documents XX/XX/XXXX. I followed up with phone conversations and was assured this was taken care of but as of today it had not been. A manager said he will escalate the research again today. I had been told XX/XX/XXXX it was being researched and on XXXX XXXX that the incentive was in process of being applied. According to the manager none of that had been done.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My home was foreclosed by Ocwen Loans. It was my primary residence. They are reporting to the credit burrows that I still owe them over XXXX dollars. They should be a XXXX Balance. I spoke with a representative and they were unable to provide me with the correct information after several attempts. This is interfering with me purchasing a new house.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied fo r a Chase  XXXX  Card and was denied for " Delinquency or other derogatory relationship with our bank ''. When I called in to find out why, I was told I had a C harge off from  2010 on a Chase Slate for {$4000 .00} something attached to my account.   I never had any chase account i n 2010 let  alone a charge off.   I check my   XXXX   report for this and there was nothing listed so is this a banking side issue or a credit report issue?   When the rep looked it up he said it wasnt mine. I said ok, so how do I remove this from my account. He transfered me to recovery but it was already to late   in the day and no one from that department was working. So I called this morning and the rep said to wait 7-10 business days to call back, no mention of fixing the problem or anything.
Because of this issue I get auto denied for any credit card I apply for.
Please help me remove this from my account Letter refer  ence number #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 609  Section/ DELETIONS TO CREDIT REPORT My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation.     Secti on 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g  ] of the Fair Credit Reporting Act of    1970 pr ovides that your credit bureau should send me all information on file that led to my credit application being denied. According to the pr ovisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurat e reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below :   XXXX   XXXX   XXXX   #  XXXX , #  XXXX    XXXX   XXXX   #  XXXX    XXXX   XXXX   #  XXXX   XXXX  #  XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   Please notify  me that the above items have been deleted pursu  ant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts. If you do not remove this items in a timely matter I will file a law suit under section 617  under the color of the law.
If you have any questions or need additional information, please contact me at address noted below. There are a total of 2 pages of items with all three credit reports

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 08/23/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (AZ).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX I recevied a message on my phone stating that I am past due for payment on my auto loan. I was n't sure why seeing that I had recently made a payment! I called the number left on the voicemail, a representative started off asking for verification of my name, address, phone number and give the make and model of my vehical. The next statement that was said was : XXXX you owe $ $ $ on the XX/XX/XXXX loan and will you be paying today! I said wait why must I pay in full the balance of my loan today! I was told that my loan has expired and I need to pay now! I was confused since it was never told to me that my loan was near the end! I have never missed a payment and I figured the loan was calculated based on the monthly payments!! She then ask what can I pay, I explained that it 's on XXXX payments basically left and that I will continue as usually! She said " that 's not unexceptionable ''!! If I do n't pay in full immediately that my loan will be " charged off ''. I expect to pay my loan in full interest and late fee, but you want to damage my credit! I have paid {$420.00} for 5 years and I 'm at the very end and this is how you treat your better that good customers!! I asked to speak with a manager/supervisor because in very upset now! I was placed on hold for a while, when the manager/supervisor came on he proceeds to say that when I told my extensions that it 's needed to pay the loan in full! I told him as I was approved for my XXXX tensions I was never explained other than this will extend the loan. I was never told that I would be expected to pay my balance of the loan a moments notice regardless, nor was I given in advance notifications regarding this matter and their expectations! He proceeded to ask if I can borrow money from somewhere! I feel like I was being " strong armed '' by the financing company!! I have worked hard for XXXX yrs too make each payment on this loan with the high interest rate and told I 'm a valued customer with great payment history, but denied refinancing when requested! I am trying to rebuild my credit and for this to happen would be devastating! I feel this is totally wrong and very poor customer service! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: There was an account opened wit h PayPal.com i n  XXXX  of  XXXX  by someone other than myself I was made aware of it on  XXXX   XXXX ,  XXXX  when my actual account was " limited until we hear from you '', I immediately contacted  PayPal.com  and was made aware of the fraudulent account with a balance owed of {$1100.00} that after several attempts to dispute was deemed to be a valid account, and I would be held responsible for the balance. The only thing on the account that was mine was the social security number the name was incorrect which I uploaded AND faxed  4 ( four ) f orms of ID to verify. The address which I had once lived at when I was very young was no longer correct nor was it correct at the time the account was opened. The email address is unknown to me, yet I am still being held accountable for this debt. The legal department w ith PayPal.com has y et to respond to my Fair Credit Reporting Act ( FCRA ) request for the information that I am entitled to as an identity theft victim which is crucial to me being able to prosecute whoever has done this to me. Be wary of this company they have treated me like a  XXXX   XXXX  refusing to give me information, hanging up on me and stating that I have absolutely no alternative other than to pay this debt that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2016 about Payday loan () with Big Picture Loans, LLC (VA).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed {$300.00} from XXXX, also known as Castle Payday Loans. I have made several payments to them that totals close to XXXX. When I tried to go on the Website to pay the full amount, they would immediately take the website down. There trying to make me pay XXXX for {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a person listed on my report with my same maiden name living in XXXX, WI that is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: The merchant refuses to assist with a billing dispute issue. Their internal system has an inquiry number of XXXX and a chat ID was issued today of XXXX. A {$260.00} charge is on my account for an item that was returned. The item was returned to the merchant and American Express refuses to issue a credit. The merchant has said that they do not have any record of the return, but the merchant is clearly wrong as the item was returned to them. American Express refuses to issue a credit and has spent the last 3 months going back and forth with me and sending me generic responses to all correspondence.

Company response to consumer: Closed with explanation