milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2016 about Consumer Loan (Installment loan) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX XXXX XXXX Begin forwarded message : From : XXXXXXXXXXXX Date : XX/XX/2016 at XXXX EDT To : XXXXXXXXXXXX Subject : Complaint I had applied for a loan XX/XX/XXXX and was told that they could not approve me until I cut some of my debt down and they recommended that I speak to one of their credit counselor for additional assistance. I got some of the debt paid and also was at that time was in a court process for a company to get that balance off that I did Not agree with. After that I applied for another loan XX/XX/XXXX and got denied, I was confused. So I applied for another loan and was again denied, I called the contact center on XXXX and was asked why was I denied because I knew I got some of my debt down. The First Lady I talked to started reading off some of my credit report and this credit report was very different from my current one, come to find out they were using my old credit report started by the representative. She pulled my new report and sent it to a lender officer and approximately 2 1/2 hours they called back and basically said that I was denied because my credit report was different than the old one that they were using!!! ( Really ) .... So I said my farewell to that representative and called back an hour later to speak with another lender why I was denied a small loan. He preceded to say after he pulled up the notes, my current credit report and application stated that he was just as confuse as I was. He stated he was going to contact me back after he spoke to the agent who declined my loan. I received a phone call from supervisor who informed me that I was denied because of a 1. late payment on a secured salary advance loan, that is secured by my deposit and the only reason why I was late due to the fact of sickness and was out of work, but if that was the case they would not have approved me to get another secured loan 2. Because I had a XXXX collection account that they wanted resolve. 3. My current credit report did not reflect my old credit report that they were using the whole while I was applying for a credit. 

These were not a good answer for my denial and of course my credit file will be different especially when I was told by SECU lender officer to pay off some of the debt. I feel like I 'm being discriminated, because I took the advice and also to make sure I take better care of my credit! The denial reasons was bogus, some of the representative I talked to did not understand themselves why I was denied and neither do I. I was asking the supervisor XXXX XXXX and she gave me them denial excuse and say it because of security reasons I need for someone to clarify this mishap!!! The consumer protect act requires accurate and honest reporting, and my credit is just that accurate!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I decided to quit attending XXXX after seeing the teachers not help but actually give the answers away for the tests so everyone would pass. Upon seeing this I knew the degree from XXXX would be worthless. This would hurt any chance I had of getting a job in the field of study I was in.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Credit card) with Lyons, Doughty & Veldhuis, P.C. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Not only i did not receive a right to dispute, i have sent them thru a notice to verify debt which has been completely ignored. They are trying to get a Judgment and a levy on my account without submitting my requested information. I owe much less than they are requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit acceptance is reporting XXXX Payment not received. I am on auto pay and here is the confirmation number 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 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been in contact with Navient for months to get a better payment I can afford. Then send me a list of options, I choose XXXX and started paying. Seems simple to me. But yet they do n't change it in their system, so my payments are n't enough to cover the amount dues, then they tack on fees and etc. To me this is bordering on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (I do not know) with Universal Recovery Corporation (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company uses scare and intimidation tactics to collect on their debt. We noticed them that this is a recorded line and that we are asking them to not call until after XXXX becasue this is a business peak time. They continued to call 16 times and even called our neighboring business lied to them and said something is wrong wth our phones and asked them to walk over and hand is a phone. We asked them to communicate via email and not call our business line yet they continue to do so. We have recorded calls and phone logs of the abuse and harrassment but they do n't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was initially written with XXXX XXXX XXXX XXXX on XXXX/XXXX/00 with an interest rate of 12.82 %. The loan was sold to HSBC Mortgage Services shortly after and the interest rate is 12.25 %. I have tried to work with HSBC repeatedly over the years to get interest relief but they will not budge. I was recently advised that when the mortgage was sold to them, we signed a form stating that we agreed to pay interest at a rate of 12.25 % or higher, but never lower so they are holding us to this ; HSBC recently sent me a copy of this. I do n't remember signing this form but, being a first time homeowner, if we were given forms to sign, we did. 
We are current on our mortgage and have been for well over a year ; we had problems in the past. We have tried to refinance several times with other companies but, due to past credit problems, we have been unsuccessful. We are working diligently on improving our credit so that refinancing might be able to take place at the beginning of 2016. 
Is there any way you can intercede to get HSBC to lower the interest?

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been paying on my formerly XXXX student loan. UAS is the servicer, XXXX bought the loan from XXXX. All the sudden, I could go months without paying, and never heard from them. Then, today, I stacted getting phone calls stating that I am late. I called them and pressed them about what happened with XXXX. I asked if my student loan was one of the ones that was forgiven. He would not answer this question. He refused to give me any information other than my balance and what I owe. I called XXXX and they said to check my credit score, since that would include who has my loan and a contact of the company. I looked up my score and history, and the loan does n't exist. It disappeared, which would indicate that it was one of the forgiven loans. Yet this company, UAS, ( University accounting services ), is claiming I owe them money and is refusing to give me any information on what exactly happened to my loan. ( He was insistent that XXXX XXXX XXXX XXXX was the orginiator. They were n't. XXXX was. ) And XXXX, went under as well and was bought by XXXX. They also are in legal issues and going under. Yet still, UAS is claiming I owe them money and refuses to give me any information. The loan is not anywhere on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX charge off account is being reported incorrectly on my Credit ReportI called XXXX and they were not able to provide me information on this account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am not understanding why this collection is still on my XXXX report! Midwest has said three times they sent a request to remove yet it is still on my report. See their below responnse : We have followed our dispute policy and have n't had any further communication with the consumer. No future follow up is planned. Our dispute policy is once we have received a dispute we immediately stop all collection efforts and send a record of dispute to all three credit reporting agencies. Then we request validation of the debt from our client and once that is received we forward that on to the consumer for review. If validation is unobtainable then we immediately send a record for deletion to all three credit reporting agencies and then close and return the account to our client. Additionally, in this instance a record for deletion has been sent to all three credit reporting agencies. 

I want this fraud trade removed from XXXX ASAP or I will seek damages as allowed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: There are two debts that I paid in full that are still listed as charged off with a balance owed. These were paid in full and shouldnt show as charged off. After the investigation Experian says that these debts were verified by the creditor. The creditors are below are below : XXXX XXXX- shows on report I owe XXXX XXXX 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 08/24/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Wells Fargo is using system manipulation to intentionally cause overdrafts. In XXXX XXXX I paid my XXXX bill. The payment was deducted the same day ( SHOWED DEDUCTED ALL DAY ). 
W.F. claims nothing was drafted ever until the payment magically appeared 3 - 4 days later. I sent 3 requests for explanation with random response. Finally believing it was a 1 time issue. I let it go. 
Well, yesterday XXXX XXXX XXXX, I paid my bill again and it showed it was deducted and I continued to pay my other bills. This morning to my suprise I had additional money in my account and double checked and sure enough Wells Fargo is claiming I did not make paymemt and NO PAYMENT was EVER drafted. The rep claims he was not calling me a lyer. 
BUT TWICE, I paid my bill, but really did not, and W.F. does not have any record of this mystical draft. 
I nearly over drafted my account. 

The rep told me I should track my money better and it 's not their problem. 

How is it that I am supposed to trust a financial institution to handle my money when they can not even explain to me why a vendor was allowed to draft an invisible payment and not show any trace.

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 10-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I disputed wrongfull charges with the Chase dispute department. I was told by the Chase representative at that department all calls are monitored and recorded. I was told the items I am disputing occured more than 90 days ago. But, due to my military service, they can be disputed if they had occurred within one year. Therefore they qualify to be disputable charges. I was told I would recover all fees that were originally assessed to me and provisional credit for the disputed items would be credited to my checking account. Addionally I was thanked for my service and was told the fees would be credited back to me as a curtesy. Some were manually credited back to me from customer service and some were done systematically by the customer claims department. 
After, I received notification that the items were not disputable and all fees that were credited back to me as a curtesy would be taken back. Chase made no contact with the merchants to validate the charges were indeed done in error. Next all fees that were credited back to me as a CURTESY and imputed manually by the Chase customer service department and systematically were charged back creating my account to become severely negative. 
How is claims department changing policies? If you are crediting back fees as a curtesy then how can Chase take back what they had promised on a recorded phone call? 
Soon, the she

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed numerous accounts with XXXX XXXX XXXX and received letter that they were going to delete each account. So after seeing that the accounts were n't being removed I faxed the letters to Equifax to have the said accounts removed. Equifax instead reinvestigated the accounts by sending copies of the letters I sent them to XXXX XXXX XXXX to ask them did they send the letters. After waiting for the investigation to conclude, I noticed that the wording " Consumer disputes - reinvestigation in progress '' had disappeared and has been replaced with " Consumer disputes this account information Collection account ''.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Medical) with Financial Corporation of America (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Brief description, This is for a medical bill for {$100.00}. I 've been XXXX three times in the last 12 months, and this is XXXX of XXXX bills left that I have been tackling. My accounts were sold to a collection agency for my deductible portions before I even recovered. This Financial Corp of America, called my brother 's home number, XXXX towns away with a different last name, and left a message for me on his family 's machine saying it was from a debt collector for ME giving my name. I called them back and asked how they got his number and they said it was listed as an emergency contact in my medical records. I would like to know how a medical collection agency has access to my medical records if this is in fact how they got his number. My brother is not listed on anything, anywhere. They also confirmed that they do have my correct address and phone number so there was no reason to call my family other than pure harassment. My family has been worried about me enough over 12 months, letting them know I have debt as well as a result of being sick is is more for them to worry about. I 'm beyond upset over this. My brother has the recorded call and the agency has my recorded call when I called on XX/XX/XXXX at XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All 3 major credit bureaus have illegally hoarded my personal information without this consumers express 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 false and misleading ways. According to the fair debt collections practices act, all 3 bureaus mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others.
Fair Credit Reporting Act False and Misleading Practices Truth and Lending

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 10/22/2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in XXXX I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in XXXX I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a XXXX way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about XXXX because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in XXXX i receive a letter saying my escrow is short XXXX $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday XXXX/XXXX/15 i was waiting on a XXXX supervisor return call, and still have not received one. I also have to pay PMI which is costing me about XXXX $ a year.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (Medical) with Aargon Agency, Inc. (NV).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Default : Collection Agency Subtle Scam? 

What protection do we ( age XXXX ) have when a collection agency ( this XXXX in XXXX XXXX ) places us on 'default ' through their lawyers because they allegedly did not receive the check we sent? 

Our records show we have been diligently paying for a medical bill ( incurred during an emergency ) with this collection agency, in spite of the fact that the hospital kept sending us " 0 '' Amount You Owe -- then popped this Collection Agency ( Please see attached document ). 

Abruptly, half way sending our payments - during the tax refund season at that - we got a call a day after the 'default day ' that we are on default ; subtly informing us this would be forwarded to the credit bureau. 

We are buying a house, about to make the walk-through next month ; you could imagine how conscientious we are on every step of the way regarding credit issues. 

Can this collection agency simply claim, " Sorry, you defaulted, we did not receive the check ...? " We never lost any check we issued -- we make sure we mailed letters/checks directly with our post office. 

I wonder, as a XXXX, how many defaults are incurred due to non-receipt of check payments by this particular XXXX XXXX collection agency, or possibly other collection agencies? Would you happen to have data on this concern? 

In addition, is it the practice of collection agency NOT to send bill or payment confirmation? This collection agency said, " We do n't do that. " This is an alert I would like to share. 

I would be happy to send you the details. 

Have a wonderful day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 07-11-2016 about Debt collection (I do not know) with ERC (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I found a collection from enhanced recovery reporting {$270.00} for XXXX. This bill is nearly 7 years old and they are barred from trying to collect on it. I do n't appreciate enhanced reporting this to my credit file. They are pushing me around because i am a single female and they want to make my life hard so I ca n't get nothing on credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Debt collection (I do not know) with Radius Global Solutions LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notification in the mail from a company claiming they are collecting an unpaid bill of {$57.00}. I did not contact them directly b/c it seems so suspicious. This seems suspicious to me for several reasons.  ( 1 ) They seem to have my correct name and address, and yet no one has tried to contact me regarding paying this amount in the past. It " all of a sudden '' showed up as " delinquent. '' ( 2 ) I do  not recognize the name of the vendor with whom I supposedly did business and owe money  (   XXXX   XXXX   XXXX ? ) nor were there any dates or services provided . ( 3 )  There are three different names and addresses provided on the statement : "  Central Credit Services  '' out of   XXXX   XXXX  , Missouri and "  XXXX  '' out of Florida and a   XXXX   XXXX   XXXX   XXXX   XXXX   in  XXXX , PA  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