milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I was called on XX/XX/XXXX17 by a XXXX XXXX XXXX from Discover card services. He informed me that I had overpaid Discover card services too much interest over a 10 year period. I was told that I was entered in a class action law suite and the Lawyers had already been assigned. My attorney was. XXXX XXXX XXXX and he would be representing me. I was also told he would have to speak for me. I did agree. XXXX XXXX told me I would receive XXXX.I was told that I would receive this money in 30-to-45 days.He also gave me a phone number of XXXX.Ext XXXX. He then told me that I could cak call any time and someone would answer.He also gave me an external bank account number good XXXX. No bank name. He also stated if I got a bill not to pay it. Discover did a balance transfer to XXXX XXXX XXXX. I am now receiving a bill which I am trying to pay. I am XXXX  years old and living in a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: On XXXX XXXX 2016, I received an hard inquiry on my credit report from this agency. To my knowledge I DID NOT give this company a written or electronic consent to pull my credit report. I will like to see validation with my signature giving them consent to make a hard pull on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Other mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company is returning my payments and did not credit a payment made in XXXX 2016, I had tried to refinance from a HAMP loan to a HARP loan and found a credit card judgement set against me and a lien placed on my home. The credit card debt is n't even mine. I am now in default on my mortgage because they are returning my payments and are accessing late fees, they want all payments up to date plus late fees. First, I thought it was illegal to place a credit card lien on a HAMP loan, is that true?

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have 2 credit cards with Capital one. They reported me late in XXXX of XXXX for both cards. I had a payment due on XX/XX/XXXX on one card and XX/XX/XXXX on the other. I had just XXXX my father and was going thorugh a very hard emotional time. 

I made the payment for both accounts and brought the accounts current. My credit union also changed and I used the old accout to make the payment.The payment was returned due to insufficient funds but once I saw the wrong bank was used, it was corrected in 3 days. 

As a customer and seeing that I was never late, I reached out to Captial one and they refused to remove the SINGLE late payment. They stated that even though they got the payment the following month for double the amount, they are still reporting it late.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have   a Amazon visa rewards card through Chase. I have my automatic payment feature setup through their customer portal. It is currently set to full amount, but I have had a minimum amount applied every time the autopay date rolls around. I will be attaching some screenshots showing my autopayment hold from my bank account, the auto-payment settings, and my current account balance after having autopay apply payment.
I have seen this several times and I believe this is a scheme to defraud people 's payments in order to increase interest rate payments at Chase. This is un  acceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (NC).
Issue: Other

Complaint: I applied for a loan on XXXX/XXXX/XXXX. ( Navy FCU ) .I called to get my status and was told I was turned down. They suggested I apply for a credit card ( NFCU/XXXX ). I did so so. They did not tell me they would pull my credit again. Again I was turned down and was told by the person on the phone to apply for a loan consolidation. I did so and was not told they would pull my credit. Why should they? They had done it on XXXX/XXXX/XXXX. I ended up with XXXX hard pulls and no one had told me that I would get XXXX other pulls : XXXX XXXX, XXXX, and XXXX I called on XXXX XXXX. On XXXX XXXX, XXXX I spoke to XXXX about the XXXX hard pulls. He said the notes the notes confirmed that I had given my permission XXXX times. I said I did not recall ever confirming XXXX hard pulls. He said he would check the tapes and get back to me. On XXXX XXXX, I called and spoke to XXXX who said XXXX told him he had referred the matter to the inquiries Dept. I waited and then called again to get an update and spoke to XXXX. She said the tapes showed I had agreed to hard pull credit checking. I said I did not remember doing so and to send me hard copies of the tapes. She said I would need a subpoena. I believe she is lying. 
Why would I agree to XXXX hard pulls 3 days in a row?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Immediate correction required : Numerous positive tradelines are missing from my credit report, creating the inaccurate " short '' credit history that has damaged my credit. Given the significant weight given by the CRAs in calculating ones ' credit score, the unauthorized deletion of decades of positive trade lines is a gross violation of fair credit reporting practices, to say the least, and actionable by the injured consumer. it seems shockingly inappropriate that the entities charged with a fiduciary duty in collecting and managing the public utilization of credit resources, are able to so negligently permit this to occur, without any mechanism of prevention, to insure accuracy and integrity of the credit reporting function.

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my XXXX report from Ally Financial.

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 05/20/2016 about Debt collection (I do not know) with ECMC Group, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX from a group called Premiere has been harassing relatives and friends regarding an outstanding debt they say is owed by me. I have requested a " Validation of Debt '' and they refuse to acknowledge or forward anything to that effect. They continue to harass and threaten or give me any other information. PLEASE INVESTIGATE THIS GROUP. The only number I can get for them is XXXX. There are numerous lawsuits against this company. PLEASE STOP THEM

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 12/22/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I consolidated all my Federal Student Loans with XXXX XXXX as my servicer in XX/XX/XXXX but Navient/XXXX  started billing me for the reference loan. I have been writing them disputing the loan and telling them it was included with all my loans in XX/XX/XXXX. They also have been reporting this loan on my credit bureaus, XXXX  and XXXX. They also have it reported as a defaulted loan. I filed Bankruptcy in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and each time I listed this loan. 
I wrote Federal Student Aid and the Ombudsman Group to assist with resolution. Ombudsman has been working to solve the error made but XXXX but it is still on my credit reports and listed as a defaulted loan. This is the information who is helping with this issue for months. 
FSA Ombudsman Group Case # XXXX Inference : Federal Student Aid Federal Family Education Stafford Subsidize XXXX XXXX XXXX XXXXt phone # XXXX XXXX XXXX Please assist with XXXX  fraudulent information being reported to credit agencies and they are trying to collect monies from me that I do not owe them. 

This is what XXXX is reporting to credit agencies that is incorrect information because I have included this loan into XX/XX/XXXX consolidation and filed it in all my Bankruptcy Cases. 
XXXX : opened XX/XX/XXXX Original Creditor : Navient XXXX XXXX XXXX DBTCA ELT High Balance : {$2100.00} Thank you for your attention in this matter. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage has recently been taken over by Ocwen Loan Services Company and I have been getting letters of extortion from them requiring me to purchase additional insurance for my town home, of which I do not purchase from my past lender. I have not been able to get any evidence from Ocwen, in my original contract agreement that requires/enable such " new '' additional insurance other than the insurance that I 've always had with past 2 lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Our home was purchased in XX/XX/XXXX. It is a New construction home purchased from XXXX, XXXX was our original Mortgage Lender. We put down More than 20 % on a Conventional 30 year loan. We waived Escrow for our Property Taxes, but Escrowed our Homeowners insurance. 
The loan was sold to XXXX before the first payment was due. XXXX only had our loan until XX/XX/XXXX, and it was sold to Freedom Mortgage. Our first payment to Freedom Mortgage was made XX/XX/XXXX. We Paid every month on time, and also paid XXXX Extra mortgage Payments over the last 2 Years. Our property Taxes were all paid including the Interm Tax for new Build, ON TIME IN FULL. In XX/XX/XXXX we received a letter from Freedom Mortgage that our Escrow account was Short and that they have paid our County/Local Tax in XX/XX/XXXX ( I paid them in XX/XX/XXXX ) and that they paid our School tax in XX/XX/XXXX ( and they werent due until XX/XX/XXXX which is when we pay in XX/XX/XXXX ). They were increasing our payment from XXXX to XXXX to make up for these shortages. I Immediately called the Local Tax Collector to confirm we were still listed as the address to bill taxes, and we were, and she had NO record that the County/Local tax was never paid by Freedom Mortgage they only Had record of my payment made XX/XX/XXXX. They did have record that Freedom had paid the School tax in the amount of {$3200.00} in XX/XX/XXXX. I then called Freedom Mortgage, they advised me to send payment to them for the School tax reimbursement Which I did on XX/XX/XXXX. Which still resolved nothing, since that time they have been allocating our payments incorrectly. We continued to pay our NORMAL monthly payment of XXXX as they had NO basis to force escrow. our taxes were paid on time, in full ... .and we are at a 65 % LTV . They are now claiming we did not make payment for the month of XX/XX/XXXX which I sent bank statements showing we did, and they were placing our funds in Un-allocated funds, which has messed up our Amortization and possibly our Credit Score. I have spent countless hours on the phone w/ Freedom Mortgage Customer Care and they are less than helpful. Freedom has admitted they were wrong about the taxes, Has adjusted our Monthly payment back to XXXX but Funds are still not correct from 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 10-08-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have tried several times to work with my lender on repayment options for years now. None of my efforts have been successful. I have proven to be a loyal customer by making almost all of my payments on time and in full over the passed five years, yet my principal balance has never been touched because my interest is so high. The majority of people I talk to are rude, condescending, and do not listen well. I feel as though there is no sympathy or flexibility in offering a strategic plan that I can afford. I have shown I am capable of making payments consistently as it is a priority I have set for myself, yet there is no help when I am in need of help. I call to negotiate and it is written off completely because it 's against their law. They have been bailed out yet they will not 'help ' out their customers in need. They have made rude comments like, " Well, ask Daddy to pay since he 's your cosigner, '' or " If we cut you some slack then we would have to help everyone and would have lawsuits for days ''. I do not appreciate being talked to like I am a criminal, 'less than ', or stupid. They may train their employees to be rude and harsh in situations where people can not pay their monthly amount, but I am person and their customer and deserve to be treated better. Part of the reason big banks were bailed out is because they handed out XXXX dollars in loans with astronomically high interest rates to ignorant, uneducated XXXX students. Now, some of these people are graduated, XXXX dollars in debt, and are putting forth effort to try to pay down these loans, yet no private lender is willing to help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: An underwriter review for modification has been going on since  XXXX  o f 2017. We are now looking at two months without a decision.

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 05/16/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Hello, I am  XXXX  and receive  XXXX  from Social Security. Due to financial hardships as of late, I can no longer paymy car as I use. I am months behind. And I thought I would have been able to be done paying this car loan by now but I have not been able to. The car has developed lots of issues, in which I have been paying to get fix. My  XXXX  source of income is Social Security, in which I get {$1100.00} a month. I pay {$600.00} towards rent and take care of my grandson. I use to have {$260.00} saved every month to put towards my car but for the past month I have been having lots of issues. I have spend over {$3000.00} on fixes on the car, money I do not have but have been borrowing to get the car fixed. I have had to pay this debt. And it maybe in vain since this car payment is so far behind, it has been marked for repossession.     I wrote a complaint before about charges I did n't understand from  Santander an d trying to see where I am in my payments. I do not have acess to online to track my payments etc ... I would like access. I would like to figure out payments and work a deal. This is my only means of transportation. Being that I have no credit or means of getting another car. My birthday is  XXXX   XXXX  this month and I would like that as a gift if we could work something out and I get to keep my car as a gift. As of today, I am so far behind, I know I wo n't be ablt to catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS IS NOT A REQUEST NO PERMISSION TO PUT ANY KIND OF SECURITY FREEZE OR FRAUD ALERT ON MY CREDIT FILE. DOING SO WILL RESULT IN A LAWSUIT AS YOU WILL BE OVER STEPPING YOUR RIGHTS AS A CREDIT BUREAU. 

EQUIFAX IS IS LISTING AN ACCOUNT AGAINST ME XXXX THAT DOES NOT MEET THE FCRA GUIDELINES. I HAVE ASKED EQUIFAX TO PROVIDE ME THE ORIGINAL SOURCE DOCUMENT FROM THIS CREDITOR AND THEY HAVE BEEN UNABLE TO DO SO. THEY TELL ME TO CONTACT THEM, WHICH BY LAW IS NOT MY RESPONSIBILITY PER SECTION XXXX OF THE FCRA. I AM NOT THE XXXX LISTING THE INFO SO EQUIFAX IS TO EITHER SUPPLY ME WITH THE ORIGINAL SOURCE DOCUMENT OR REMOVE THE ITEM ENTIRELY. I HAVE ASKED THEM ON XXXX SEPARATE OCCASIONS TO DO SO AND THEY REFUSE. THEY ARE BREAKING THE LAW BY SIMPLY STATING THAT THEY HAVE VERIFIED THIS. THEY KEEP SAYING THEY ARE REINVESTIGATING BUT NEVER CAN PROVIDE PHYSICAL DOCUMENTATION THAT THIS ACCOUNT IS ACCURATE, COMPLETE AND VERIFIABLE OR EVEN MINE FOR THAT MATTER. INSTEAD THEY WANT TO PLAY GAMES WITH MY FILE. YOU HAVE 30 DAYS TO REMOVE THIS ITEM AS IT HAVE BEEN WELL OVER 4 MONTHS NOW OF ME CHALLENGING THIS AND YOU NOT BEING ABLE TO PROVE YOUR POSITION TO REPORT IT.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. I have been receiving harassing and threatening telephone calls, along with death threats from EOS CCA representatives for a fraudulent and unauthorized account that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i have disputed these items with experian more than XXXX times and they will not remove them. I HAVE NEVER HAD a deliquent XXXX case with the courts i have submitted papers from the friend of the courts showing i donot have a case there and have not had a child support case there. My student loans are also not late and i have asked for them to be updated on multiple occasions. i have also requested proof of these late payments and this XXXX case and have not received either. this is my XXXX or XXXX dispute with the bureaus with these items

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2015, a friend of mine in XXXX wired me USD {$500.00} from his bank, XXXX, in XXXX. Only {$470.00} was posted to my account at XXXX XXXX XXXX XXXX XXXX. He paid the wire transfer fee separately. On XXXX XXXX, 2015, he wired another USD {$500.00}, once again paying the wire transfer fee separately. Once again, only {$470.00} was posted to my account. I called XXXX XXXX, and they said that {$470.00} was all that they got. 
I contacted XXXX in XXXX via email, and they said that they sent USD {$500.00}, and that the Federal Reserve took out a fee of {$25.00} for transmitting the wire to my bank. I contacted the Federal Reserve, and they said that the XXXX XXXX XXXX 2015 fee schedule is {$0.00} for transfers up to {$14000.00}. 
Whenever I have received wires before from overseas, I have never had any fee charged. {$25.00} is not a large amount, but something may be going on that affects more than me. Somebody is taking out {$25.00}. I am getting no place in determining who this might be, and would appreciate your help in this matter. 
Thank you for all the great work that you do. Every American is proud of you and grateful for what you do. Keep it up

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: hippa violation sent police report taking more than 30 dats

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