milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: tried to update and remove incorrect addresses from equinox credit report. my requested changes do not get incorporated and feedback is cryptic and not understandable. 
specifically, i 've never lived on XXXX in XXXX in my life!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Credit card debt) with DISCOVER BANK (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX I have contacted discover credit services and ask them when my next payment was due they informed me my payment was not due Until XXXX XXXX. On XXXX XXXX discover credit services Over drafted my account {$28.00} On XXXX XXXX I called and spoke with XXXX She had agreed to waive one in NSF charge from my bank account I had requested to Have my payment in XXXX waived for the inconvenience of them providing me False information. On XXXX XXXX I called XXXX again she agrred they will pay one nsf fee to my bank, but will not be able to wave a payment for the inconvenience I had informed her they are in violation of Udapp. XXXX had informed me there was nothing they could do. XXXX contacted my bank agree To pay one {$35.00} fee to my account And requested my bank forgives the other {$35.00} insufficient funds fee. XXXX had advised me that I still need to pay the {$28.00} they had misinformed me on discover has failed to accommodate me for their violation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Payday loan () with LDF Holdings, LLC (MA).
Issue: Charged fees or interest I didn't expect

Complaint: I initially borrowed {$500.00} in XXXX 2015. To date, I have paid {$990.00}. I read the loan payments would be monthly, but they withdrew them every two weeks, which have left myself and my children short for rent, utility payments and food. This loan XXXX lacing my family at risk and I am requesting assistance with addressing this fraudulent matter. I was informed by my Financial Advisor, that Payday loans are illegal in Massachusetts. I 'm battling XXXX and need to be sure I can protect my children. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I had submitted a claim and it was being investigated they closed it with false information and I was told they would re issue a new claim number and fix the error only to find out my account was closed and sent to their collection department. XX/XX/18 They closed the account and now I am being subject to pay XXXX in fees that the account remains overdrawn for.

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 03/21/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: PNC is servicing my mortgage. I filed for bankruptcy in 2012. Chapter XXXX. It was stated in the bankruptcy that I was going to sell the house on a short sale because I could not afford it and I would be moving to a more affordable area. Four months after I filed, I sold the house. It was XXXX at the time. The buyer was paying cash so there was no question of funding. PNC gave us the run around for a year. They never approved nor denied the short sale. They just kept asking for new paperwork. They always had a different contact and would always lose the paperwork. We asked to speak to the actual holder of the loan and pnc refused to give the information. After a year the buyers finally had to back out. There was no end in sight. I have since found out that the original lender was never even told about the pending sale. I asked the realtor why this was happening. He said that PNC gets money from the government for each month the short sale is pending. I had to wait till the value of my house went up enough so it would n't be a short sale. In addition PNC HAS REFUSED to acknowledge the bankruptcy. Refusing the lower payments set forth by the bankruptcy court. I am currently in closing on a second sale of the house. This should not be a short sale. They said it would take 10 days to get me a payoff amount. I 'm worried that it will be incorrect. They are basing what I owe and penalties on the original full payments. I feel this is wrong. If they had not DELIBERATELY held up the sale of my house I would not have incurred these additional charges and penalties. I also feel like all of the money they received from the government for holding up the sale should be credited back to my account. I do n't know what to do. I do know that my realtors have had several of the same issues with PNC with other short sales. It took them 7 mos to give us a single point of contact. And 8 mos to send out and appraiser. Please let me know what I can do. I know the payoff amout they are going to give will be wrong. Do I have any recourse to get this fixed after the loan has been paid off? These people are so incompetent they scare me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and myself were denied a new mortgage by XXXX mortgage companies. My former mortgage company ( OCWEN ) has placed a late notice against my credit report during the process of stopping a loan modification. This mortgage has been paid off and refinanced to another mortgage company and OCWEN has been less than helpful about removing this late notice. I had made several attempts to make my mortgage payments, even contacting my bank representive on numerous occasions. The bankers kept telling me my account was in research and to not worry this would not impact my credit, that was not the truth. I have looked on XXXX XXXX and XXXX and can not locate any credit late issues with OCWEN. I believe that I am being treated unjustly and would like something done to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: : ( Property Address ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXBalance : $ XXXXAccount : XXXX Min # XXXX ( Inactive! On MERSWHY IS my mortgage STATEMENT SHOWING I OWE over {$69000.00} in interest because the CHASE BANK refuse to take any my payments? Is this Usury and is this illegal over demand an amount?

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Payday loan debt) with 2288984 Ontario Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: They hired a 3rd party collector, and collector is trying to file a complaint with the Texas DA trying to say it is criminal charges for a " Hot Check ''.
Texas courts and prosecutors should uniformly reject these complaints unless there is additional proof of fraud.
I lost my job and everything, this is the first time I am hearing about this.
And now that I am aware of this issue, they are stating that they are on a " Federal Recorded Line. '' Only options they gave me was for within 24 hours to make a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MO).
Issue: Rewards

Complaint: This complaint is about both American Express and XXXX. I have reward points with American Express for using its credit card. XXXX accepts these reward points as payment for its goods. However, the check out and payment pages of XXXX do not DISCLOSE that {$1.00} used to pay for XXXX goods is equivalent to XXXX reward points. Instead, it simply states that a customer has $ xx available without disclosing the number of points that the dollar amount will use up. As a result of this lack of TRANSPARENCY, we used all our XXXX points. In contrast, to pay for travel through American Express, {$1.00} is equivalent to XXXX points. No economically rational agent would take XXXX 's exchange ratio over American Express 's exchange ratio if she or he knew about the different ratios and was given full disclosure of information in the transaction. Commutative justice demands FULL DISCLOSURE of all relevant information in business and financial transactions. I called XXXX but the " leaders '' were unhelpful and intransigent. The company must be compelled to be more transparent in getting customers to use American Express points to pay for XXXX purchases. American Express should be more vigilent with its partners to ensure that its own customers are not duped in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Had a loan with  Bank of America  for years always on time or late a few days but fell on hardship times they would not take parsial payments or works with us we fell  XXXX  months behind and went to a goverment program to help with payments property unlimited for 3 months now 6 months behind an d bank of america d id not want to work with goverment program after approved for it bank of america said no then loan was sold to another lender who taught us about hardship papers and loan modifications to help us  bank of america never offered us this. then after loan sold still had home equity with bank of america d id not hear from them at all tell foreclosure time i forgot  about home equity thought new mortage company had it but they did not then bank of america could not find info on pay off and loan denided they had it tell cosing date for sell er then they found the loan number but would not release pay off to attorneys or myself or even there own attornies been a night mere so unhelpful and decietful and fustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 filed an Identity theft report with the FTC after I discovered a couple of accounts, an addrersse and several inqueries on my report due to fraud. I have alerted the credit bureau however they did not investigate or remove all of the fraudulent inqueries.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with Second Round Limited Partnership (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company called Second Round has placed a collection debt on my credit report that I do not owe. I requested that they provide me original debt paperwork, signatures, etc. and they have failed to do so. They did not respond within 30 days of my certified mailed letter nor have they responded as of yet ( it has been 90+ days since request ). In addition, I 've spoken to several representatives who continue to state that they will send me the information I 've been requesting, but they have failed to do so. I noticed that they have now placed an account on my credit report and is reporting it as Date Opened : XXXX2016 Reported Since : XXXX2016, Collection account, balance {$2100.00}. I have no knowledge of this debt/account and they have failed to provide original documentation of said debt being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Despite an account being closed for over a decade, Bank of America is reporting a current delinquency for the month of XXXX, XXXX on my credit report at the XXXX XXXX  and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XXXX XXXX, XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over XXXX XXXX XXXX and must be removed from my credit report. 

Repeated requests for assistance have fallen on deaf ear. I have provided my fully personal identifiers and account number to Bank of America on several occasions. Despite several disputes to XXXX XXXX and XXXX they continue to maintain the account, although they themselves have admitted to the CFPB that they can not locate it. Moreover, XXXX separate messages were left for a " XXXX XXXX '' at Bank of America. None have been returned.

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 01-10-2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I financed my auto loan through Toyota Motor Credit Corporation of XXXX 2015 and was later informed that minorities ( XXXX XXXX, XXXX and XXXX XXXX ) paid higher interest rates then those of XXXX consumers. Which upsettingly has been admitted and confirmed by Toyota Motor Credit Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Payoff process

Complaint: This is an issue with Chase credit cards regarding payment in full and continued interest charges. 

My XXXX statement ( XXXX/XXXX/16 ) with a due date of XXXX/XXXX/16 showed the balance due to be {$6700.00} I sent a check in the amount of {$6700.00} to pay off my bill. 

My XXXX statement arrived showing a posted payment of {$6700.00} on XXXX/XXXX/16 and a New Balance of {$44.00} due on XXXX/XXXX/16. This charge posted to my account on XXXX/XXXX/16. When I called Customer Service to inquire about the charge I was told ( not very politely ) that I am charged a " very valid interest charge ''. When I asked for a Manager, I was sent to XXXX XXXX in central Florida who again told me she can not waive the fee because it was a valid charge. Frankly, I was spoken to as if I never paid my bills and I was not worthy of any good faith. 

I am confused about the policy and unhappy with the treatment of card holders and wonder why such a big bank is willing to lose loyal card holders over such a small discrepancy. 

I am also confused as to why the reps and managers I spoke with gave me a very different answer regarding interest than the question and answer i found on the Chase web site when I searched for an explanation of interest charges. This is what I found : Question : How can I avoid paying interest? 
Answer : You wo n't pay interest charges on credit card purchases if you pay your New Balance every month by the due date end time. This is called the interest-free period on purchases. Balance transfers, checks, cash advances, and overdraft advances do n't have an interest-free period. On these transactions you pay interest on the balance until they are fully paid. 

I am hoping you will review my complaint and waive the questionable " valid finance charges '' of {$44.00} Thank you for your time. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have been served to appear in court by Midland Funding LLC with the threat of a judgement. The account was closed in 2012. I am retired and do n't know what to do. The case is scheduled for XX/XX/XXXX in District Court of Maryland. I had attempted to pay the account to XXXX XXXX, but was told the account was sold. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Struggling to pay mortgage

Complaint: Based on our research, We have notice that we have numberous of violation pending against our previous mortgage loan company ( XXXX/XXXX XXXX XXXX ) at the time we refinance, which is Preditory lending, Truth n Lending, RESPA. However we later discover a alleged third party debt collector, who acting as a lender ( Select Portfolio Servicing ). We filled that the third party debt collector needs to be investigated more thoroughly and the reason for inflation and increase of the alleged third party debt. We also received numberous of Foreclosure attorney Mill/Substitute trustee  letters ( XXXX XXXX XXXX ) in acting as debt collector on behalf of Select Portfolio Servicing ) in  violation of FDPCA. We recent applied for the modification to avoid the foreclosure sale and we receive 2 notification letters, one letter stated that SPS receive the modification and that it was under review and they 30 days for response. the letter was dated XX/XX/XXXX. 2nd letter dated XX/XX/XXXX from SPS as well stating they going to start foreclosure proceeding within 20 business days,  another letter was follow stating the loan was purchase by Foreclosure Mill ( XXXX XXXX ) at the foreclosure auction on XX/XX/XXXX, which is not a full 20 business days. I 'm legal XXXX and was sick at that particular time frame.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: Key Bank insists I have a checking account with them. I do not. I never had any accounts at Key Bank. They sent me five correspondences, including a bank statement from this non-existent account! One letter stated they were going to " furnish negative information to a credit reporting agency '' They say my account number is XXXX. I have been contacted/dealing with their fraud detection department. They want me to claim I am a victim of identity theft -- I am NOT. I want nothing to do with this bank. Thank-you. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Medical debt) with Credit Bureau Systems, Inc. (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I believe that I am the victim of a scam or at the very least my rights pertaining to a past due debt. I reached out to Credit Bureau  Systems  on  XXXX / XXXX /  XXXX  . I was trying to make payment on a  XXXX -old   XXXX   XXXX   with  XXXX   XXXX   XXXX  that totaled {$1000.00}. I wrongly assumed had been covered by the hospitals   XXXX   XXXX   department as I was unemployed, a full-time  XXXX , and   XXXX   XXXX   at the time of the service. I spoke to someone who was extraordinarily forceful and threatened me with legal action time and again. We could not come to a payment arrangement as she wanted me to make the payment in full. I was and still am not able to make a one-time payoff. I repeatedly asked to be able to pay a portion of it and at first she talked in circles then she agreed to let me make a payment, then she told me that she would mail me the information that I needed to make the payment ( password, pin, etc ). The first week of  XXXX  I received a letter from a law office regarding said debt. Now I not only owe the amount due but also the legal fees which total {$120.00}. I feel that CBS violated the law by not providing me with information that I asked for and that they agreed to send me, on   XXXX   XXXX  . For what I understand I should have received something from them within one week of our conversation, I did not receive anything. They claim to record every single phone call so record of these events should be attainable. I feel like I am being taken advantage of. Please advise me on how to handle this without obtaining further charges and overwhelming frustration. I am still a low income,   XXXX   XXXX  . I have full-time job but my net income is only {$25000.00}, this amount is barely enough for me to make my ends meet as it is. I am doing my best to correct my past and protect my future. Looking forward to hearing back from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian and XXXX have allowe XXXX XXXX XXXX XXXX XXXX to report false information and accounts on my credit profile. I disputed the items asked them for proof of validation and they sent nothing back but verified .You can see the accounts are fraudulent the same company is reporting two different account numbers for a auto loan open on the same date same year with two different amounts. Why would I one human being open a car loan and purchase two cars in the same day for almost the exact amount. It makes no sense the company is doing double damage by reporting the same one accounts twice and adding a fake account number on the same one auto loan with two different balances

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