milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My original loan was taken out with XXXX XXXX, they were taken over by Washington Mutual who was then taken over by Chase. My payments did not follow my loan, I spoke to Chase on several occasions and have letters from them that they are not seeking foreclosure and that they withdrew the foreclosure on XXXX XXXX, XXXX. I have a letter from Chase that states they are not seeking foreclosure yet my house is set to be sold at auction on XXXX XXXX, XXXX for the foreclosure initiated by Chase. In reviewing my Mortgage documents I have discovered falsified documents which I presented to Chase, upon their reviewing these documents they withdrew the foreclosure. I have contacted the Attorneys who are on record for Chase they state they do not care what documents I have that they were hired by Chase to foreclose and they are proceeding. I have a week before my house is to be sold illegally. XXXX the servicer after Chase also sent me letters stating they withdrew their foreclosure sale upon reviewing these documents. I have requested the documents from the new servicer to no avail. I have no idea who is seeking foreclosure at this point. The judgement is from Chase who did not own the note at that time which is why they withdrew the foreclosure along with reviewing the forged and illegal documents. I just received notice from XXXX who is now the servicer of the loan and they have no information either as to who is seeking foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with Innovis (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit reporting agencies are incorrectly reporting my current account status as XXXX120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX I learned of the Equifax data breach. Not from them directly but from a news service I subscribe to. When I checked the website provided ( https : //www.equifaxsecurity2017.com/ ) I  learned that Equifax believed my data had been among the millions stolen. It was suggested I sign up for one year of free credit monitoring and would need to do so on XX/XX/XXXX. I was not going to be sent a reminder and if I missed my assigned date I would not qualify. After much research I decided my best course of action was to Freeze my credit on Equifax, XXXX, and XXXX. The best I was able to accomplish was 90-Day Fraud Alert with XXXX. I am furious that a company that took it upon itself to make a profit by collecting and maintaining credit data about me WITHOUT my approval was not able to protect that data.The phone numbers provided by Equifax ( and the online Freeze/Unfreeze form ) would take all my information and then inform me it was unable to process the Freeze. Then only provided by phone the mailing address I could submit my request to, read so fast that after 3 repeats I  gave up trying to write the information down.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: My payment for XXXX 2017 to my mortgage payment to XXXX XXXX is missing in my Experian Credit report ( see attachment ) and also my Credit report was last updated XXXX XXXX, 2017 by my credit reporting agency

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 04/21/2016 about Debt collection (I do not know) with Central Portfolio Control Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Central Portfolio Control keeps calling my cell phone, just leaving a name and the company name and to call them back at XXXX. It is different that the number they call me from which is XXXX. I did an online search for Central Portfolio Control and it looks like they are a real company for debt collection. I do not have any outstanding debt. I run credit reports XXXX4 times a year and have alerts set up on my credit. I do not have any oustanding debt that is not up to date and in good standing. SO, I am unwilling to call this organization back and even give them a chance to talk as I see it as being a fraud. Also, they call my cell phone, not home phone which I find strange. I want them to stop calling. I have not had any original company call me and requesting payment on anything, and as I mentioned, I do not have anything that is in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with United Consumers Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received over 10 calls/messages from United Consumers for a debt belonging to XXXX XXXX XXXX. When I called to inform United Consumers to report that this debt is not mine, I was told that the phone number is linked to the original account. That is impossible since I never received calls for the original account, and the other individual would not have provided my home telephone number. I suspect that Universal Consumers is trying to call people in the phone book to collect this debt without any good faith basis that the debt actually belongs to the individual called.

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 10-04-2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: My spouse and I reside in XXXX, Texas where a hurricane brought on a disastrous flood waters. Soon companies started making provisions to customers to allow time to make payments, including Prestige Financial. I contacted the company to make arrangements for XXXX payment to be made in XXXX ... .the end of XXXX. I received an email, which did not address when the payment would be comfortable for us to make after this disaster, what was offered I decline, the company seem to propose two payments in onXXXX month, over {$1000.00}. I decline, a manager emailed, I call back to discuss, the person was n't trained very well and only stated what the needed in 28 days and what they can not do. This sounded more like soft collecting ... she told me that no fees or negative reporting would be done, I stated to her when we could make XXXX 's payment, which would be XXXX XXXX, and continuing after. Which is the actual date of current payments, a collection letter dated on XXXX XXXX arrived threatening repossessions and law suit, I will provide emails and copy of letter in a separate complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Equinox Financial Management Solutions, Inc. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All four major credit bureaus XXXX, XXXX, XXXX and XXXX have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared My ( Consumers ) personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.

Company response to consumer: Untimely response
Consumer complaint received 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have had a Capital One credit card for 8 or 9 years. Around XXXX XXXX, I had called to see if I could switch from a Platinum XXXX to a XXXX card. I spoke with a gentleman that told me it was an easy upgrade so my interest rate would stay the same, card number the same, but with no more annual membership fee and 1.5 % cash back. Just now I realized my balance was higher than the last time I checked when I had not used the card. On XXXX XXXX, XXXX I was charged a {$39.00} membership fee. I looked back and was charged the same thing in XXXX XXXX. I checked the Capital One website and saw clear as day under the XXXX card description that the annual fee is {$0.00}. I called them this evening XXXX XXXX/XXXX/XXXX XXXX and spoke to 2 people that both told me they have a membership fee on this version of the XXXX. They refused to fix the problem and claimed that I must have agreed to it because all the representatives have to disclose that this is a different version of the Quicksilver than what is advertised. I was blatantly lied to and signed up for a card that I was not clearly described in that phone call. I should have been made aware of this especially because I told the sales representative that I was looking to get rid of the membership cost. Not only are they unwilling to change my card to the right " version '' of the XXXX, but they refused to waive even one of the fees. I feel not only was I lied to, but many people are being tricked into this card by looking at the marketing online.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has attempted to collect a debt that is not mine. I already advised them it was not mine but they still reported it to my credit report. I do not owe any money to anyone. I have an excellent credit history and score. They are trying to collect a debt for a person that has a similar name but is not me. This person lived in the same street but not the same address. I already advised them about it but they still decided to report it under my name. They do not have my social security # or my DOB they only decided to match it to me because of my name. I called the company who they said the debt belongs to and they have a different social security # and dob also. This is not fraud since I have never had any issues with any other companies. This is just a person who has a similar name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was a victim of predatory lending at XXXX XXXX XXXX XXXX and am being harassed by Navient and XXXX for over {$260000.00} in student loans. XXXX was never able to finish my degree as they never told me that they were in financial trouble, were unable to retain the XXXX. When they were ready to file for bankruptcy, they sold their non-profit college to XXXX which was a for profit college. They did not request permission to sell the non-profit college to a for profit business, which requires approval of the Attorney General. They did this behind the AG 's back and it was too late to unwind the deal as it would have hurt all of the currently enrolled students. I was in the XXXX and could not get XXXX for weeks and sometimes months at a time while being billed for dorms and other expenses including classes that I took only for the credits, as I could not get in the XXXX.. Due to the sale of the school, many of their XXXX quit shortly after. They just kept telling me they needed more and more money and kept penalizing me for not completing the training on time despite the considerable delays that they were responsible for. When my father & I went to a meeting with XXXX, XXXX XXXX told my Dad he could not guarantee any improvement in securing XXXX, and he did not recommend that we give any further funds to XXXX XXXX XXXX XXXX because he and all of the XXXX were given " pink slips '' with out termination dates on them from XXXX. He had no idea what was going to happen next. Soon thereafter, the Attorney General apparently stopped XXXX from shutting down the XXXX I ended up having to go to Florida to complete my training at XXXX in XXXX. I have never received my transcript because XXXX wanted me to pay them additional funds to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Consumer Loan (Installment loan) with USA DISCOUNTERS LTD (MD).
Issue: Problems when you are unable to pay

Complaint: Notified lender unable to pay due to medical XXXX. Refrigerator stopped working. money from Retirement plan. Informed them that would make payment as soon as receive money. Provided information from Attorney.

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 10/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I never finished the program they had me audit the Program to get back into the class then told me there was a waiting list. I never had counseling. They gave me the loans I have not been able to pay them they have been on deferment over and over because they make my payment higher than half my salary. My loan is atleast 10 years old and constantly accruing interest. I do t have specific dates right now. To be honest I email Navient every few months no reply or help yet

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Student loan (Non-federal student loan) with ACS Education Services (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XXXX, 2015, I called ACS, one of my private loan providers, ( note, this is not the original lender and it has been changed during the length of the loan a number of times without my consent ), to ask about options to help me while I am unemployed and without income. At this time, I received a letter which offered " the ML ( MGRS Plan ) where for 6 months your monthly payment on the private loans are reduced at XXXX % of level ( fixed ) installment followed by 6 months the monthly payment is at XXXX % of level installment followed by 12 months of interest only payments followed by level repayment for remaining term of the loans ( You must have at least 36 months of term remaining and a principal balance outstanding of {$10000.00} or more ). The request for this option is done verbally. " When I called to accept this offer on XXXX XXXX, 2015, I was told that this offer was not available to me because I had taken advantage of this in the past, time unknown, but that it was noted on my account and only available once during the loan term. Therefore, the offer was no longer valid. I asked about other options and was informed about forbearance, but this would require me to have a 1 % interest rate increase ( to an already variable interest rate ) for the 12 mos payments following the forbearance. Other than this, no options were available to help me. 
The man I spoke with was in XXXX and could not connect me to a supervisor, but he would have a supervisor call me within 48-72 hours, as is standard response time. 
I have XXXX accounts with ACS, have asked for a consolidation, and always have been denied the opportunity. I have asked for lower interest rates and have also been denied. The term of the loan is unclear and when I ask, am unable to get a clear answer. 
Between the XXXX accounts, the original loan amount was {$26000.00}. As of XXXX 2015, I have paid a total of {$11000.00} in interest and {$9300.00} in principal. I also have another private loan and government loan and in total pay $ XXXX/mo for student loans. I have never missed a payment. 
I am a XXXX, who has worked at XXXX until recently. I have tried to work with banks, Dept of Education, and other repayment companies to identify options, and feel no one is able to help me honestly understand the benefits and burdens of options nor the ramifications of decisions. I feel powerless despite my efforts, education, and patience. Is there anyone who can help? Thank you! I ca n't and wo n't pay these companies forever without some flexibility on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I reviewed my Experian credit report and there is XXXX unauthorized and fraudulent credit inquiries on my credit report that do not belong to me. The following unauthorized and fraudulent credit inquiries listed on my Experian credit report do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I want Experian to delete the unauthorized and fraudulent credit inquiries from my credit report immediately.

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 06-03-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Select Portfolio Servicing ( SPS ) did not address our issue. Select Portfolio Servicing failed to provide reasons as to why they placed us in false default in XXXX, and continued to service, by recorded assignment, and discharge, in XXXX XXXX - without any authority to do so. We requested correction of County filed records, that falsely provided a cancellation of mortgage, without authority, or assignment, to do so, by invalid Limited Power of Attorney. Instead of correcting the record to backdate to XXXX, SPS, continued to act as servicer, and filed a false assignment/discharge in XXXX XXXX, without the proper legal and valid authority to do so. In addition, in the process of complaints, SPS admitted that we were in default in XXXX, by assessment of false placed insurance. This is false, as we had insurance, and were not required to purchase additional insurance, and not provided with any NOTICE that any forced placed insurance had been placed. This caused our loan to be placed in false default, and " paid out '' by another entity, just prior to our refinance in XXXX XXXX, by which our payoff check was diverted, and monies pocketed by SPS, and not paid to the proper investor - keeping us in false default for years. It appears, by telephone conversation, that SPS was the entity that placed the false forced placed insurance, and falsely placed our loan in default. 
This has caused title problem issues to our property. We will file a new complaint, and continue to do so, until SPS provides all information requested, including correction of false default, name of entity that SPS sold our loan to - prior to our payoff of the loan, and the exact phone number for the entity that SPS purchased forced placed insurance against us, which caused a false default, diversion of our actual payoff monies, and destruction of our title. 
Thank 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 08/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: In XXXX I opened a CitiGold checking account with CitiBank. I confirmed in XXXX that I had a promotional offer of XXXX XXXX XXXX XXXX miles attached to the account with the following requirements : -Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card . 
-Schedule 1 qualifying bill payment to the new checking account during a calendar month and during the following calendar month. 
The AAdvantage bonus miles will be credited within 90 days from the end of the statement period in which you complete all offer requirements. 

However, I contacted Citibank in XXXX after completing the requirements and waiting for the bonus to post. I was informed that my account was not eligible for the bonus, despite the previous confirmation that I was eligible and the bonus was attached to my account. I feel this constitutes a flat out lie by Citibank.

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 10/31/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: why should I have to write a letter to get my information, what is the problem it is telling me I need to write a letter to get it. this is time consuming not realistic today, people use the computer for everything and phones and email. now I have wasted time and more time because I need my credit information now! there should not be any issue with getting it online, and it does not tell me the reason. no security issue should not be handled that way because I still do n't know the issue. I do n't have time for this. this needs to be fixed and better convenient for people. we have to be systemized to do anything! is unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit Bureaus changed the status of my Alabama Child Support Account from closed to collections. This is an error. This account is current and being paid as agreed. According to the Alabama Child Support Administration, child support should only be reported on credit reports if the past due balance is over {$1000.00}. I am current on my payments therefore the account should be removed, if not placed in a current status.

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