milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eastern Account Systems of Connecticut, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX I sent Eastern Account System a check which they cashed a check from me in reference to an account that I owed them. I paid {$70.00} for them to delete the account and they said it would be deleted. I filed a bbb complaint and they said they would delete. Then I emailed them again in XXXX that it has been months since they were supposed to delete but it is still reporting and they gave me a 30-60 turn around time from the date they input the deletion request it has been way longer than that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I retrospectively know now that XX/XX/XXXX XXXX XXXX sold roughly {$1200.00} worth of my student loan debt to Navient that I was paying off well in advance of what was due. XX/XX/XXXX, I made what I thought was my final payment to XXXX XXXX and to pay off in full, my student loans. XX/XX/XXXX I had my first communication with Navient in the form of letting me know I owed over {$2200.00} on the loan they bought from XXXX XXXX XX/XX/XXXX. Over a {$1000.00} in interest was charged to me in a deceptive manner. Now Navient wants {$250.00} a month the settle the deceptive loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Application, originator, mortgage broker

Complaint: Dear CFPB, Thank you for handling my complaint with Wells Fargo. My complaint # XXXX and after submitting my complaint, I sent a letter to you to add to my file. I see that it did not get added so basically this is what WF replied. 
I had a 30 year loan with 11 years of payment history. My son has been handling this as I have been ill so this is what WF came up with and I believe that this " modifacation '' is not what the HAMP program was thinking of ... but leave it to WF to figure out a way to get them more money and me further in the hole. 
They modified my loan as this : They extended my loan to add another 10 years to it with the same 5.6 % rate and a reduction of my payment from {$1500.00} to {$1400.00}. 
I hope that you will see that only WF is gaining from this modifacation. By extending my loan out another 10 years, my loan will never get repaid as it will take me another 11 years ( or more ) to get the interest paid down before I will actually be paying on loan, not the interest. 
I do n't believe this is what the HAMP program had intended and because WF is in control of the modifacation and likes it this way, this is the only modifacation they are offering. I have no recourse. 

My son signed me up for it, but I am protesting this loan and need your help to get this rectified. 
Since this has happened, and my loan payment is still pretty high, I have been unable to make my credit card payment and my credit score is now in the poor range. I will never be able to requalify for a new loan, so I need them to go back to my 2015 paperwork and use that and not request new credit info. 
I actually believe my only way of receiving any assistance is to take them to court. 
Please, if you can help me CFPB ... I would be truly thankful. 
Best regards, 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 10-03-2016 about Debt collection (I do not know) with BlueChip Financial (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My daughter was contacted by XXXX XXXX of XXXX XXXX, XXXX claiming that she had a uncollected debt in the amount of {$1900.00}. She asked XXXX XXXX to contact me and I had a telephone conversation with him in which I asked him to email me the supporting documentation verifying the information. He emailed me a file which I can summit. The file gave no details as to the origin of the supposed debt nor any support to prove the validity of his complaint. I attempted to respond to this email but the email address is evidently invalid - [ mailto : XXXXXXXXXXXX ]. XXXX XXXX continues to phone my daughter with threats of legal action although my daughter has asked that he deal through me. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Fax : XXXX

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 explanation
Consumer complaint received 06-02-2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried to contact JP Morgan Chase about a Home Equity Mortgage Loan that was opened on XXXX and was part of a shortsale conducted in XXXX. Chase has not responded to my request for them to correct their credit reporting to the credit bureaus. I have sent them XXXX correspondence in writing, and also filed disputes with XXXX, XXXX, and XXXX. All XXXX bureaus have verified that Chase confirms their reporting, which is incorrect. To be clear, they are reporting I currently have a balance of {$310000.00}, which is an astronomical amount of money that i DO NOT owe. This property was short sold and california law prohibits any deficiency balances owed on single family residences. In addition, the Code of Civil Procedure states that a mortgage lender who consents to a short sale waives any claim to pursue the seller for the balance. ( CCP 580 ( e ) - Chase approved the short sale in XX/XX/XXXX. 

Also, the act of credit reporting is considered an active attempt to collect a debt, therefore Chase is collecting on an illegal claim. Since Chase has not responded to my inquiries, I ask that the CFPB help me get chase to respond and not continue to ignore me. 

Attached please find my XXXX demand letter to chase that they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Settlement process and costs

Complaint: I was divorced in XX/XX/XXXX. During the divorce, in XX/XX/XXXX, I signed a Quit Claim deed to allow my ex-spouse to re-finance the property into her name only. Citizens Bank, aka CCO Mortgage, took her application, but instead of re-financing, they changed the terms of the original loan. Changing things such as the interest rate, length of the loan, and payment schedule. 
I was informed by my ex that the loan had been re-financed and took her at her word. However, in XX/XX/XXXX, she fell behind on the mortgage, and the mortgage hit my credit report. 
I contacted CCO Mortgage, who informed me that they could not and would not provide any information on the loan to me because it was no longer in my name. They also refused to do anything about the credit report. 
My ex caught up on the mortgage, and since I could not afford a lawyer at the time, I let it go. 
XX/XX/XXXX, I found the payments were again past due. contacting my ex, she stated she was falling behind to do another modification. CCO Mortgage again modified the terms without my consent, and have now added my name back on the mortgage. Again with no notification or signature from me. 
I have now hired a lawyer, and am attempting to get my name off the mortgage, and my credit cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: this creditor is harrassaing me on my job. they are taking money out my account. sending legal papers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: This is regarding my mortgage servicer DiTech Financial LLC which was formerly Greentree. A month ago I got an escrow notice from DiTech that said I owed them {$2100.00} additionally for escrow. The prior year I had given them an additional XXXX to cover escrow shortages - which made sense as my insurance and taxes went up. This year my homeowners insurance did not go up and my taxes also stayed close to last years amount, therefore if they were able to pay my bills last year with the monies taken out of escrow why then do I need to pay them an additional {$2100.00}. As a result, I called and took on the personal liability of my homeowners policy - a {$1200.00} amount no longer needed to be pulled from escrow. I got a revised statement saying that I now owed them {$1900.00} for additional escrow monies. My problem is that this does not make sense, my escrow amounts did not go up significantly and I took {$1200.00} out of escrow payments. The mortgage servicer knows what my homeowners and taxes are - they are close to the same every year - so how can have made such a big mistake in collecting the required escrow monies with the resultant shortfall of {$1900.00}. Now not only do I have to pay {$1200.00} to my insurance but I am pretty much still paying close to their original amount. This makes no fiscal sense. I tried to get them to see this and ask how this is possible but get no satisfactory answer. From a servicing standpoint it is their job to know the amount that would be required for escrow. As a consumer to be all of a sudden asked for an additional {$1900.00} out of my budget is shocking and unfair as I have been paying all along. There should have been little to no change.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am writing to dispute some scary errors on my credit report. I have written many times, to the XXXX credit reporting agencies about these errors -- eventually legally changing my name, twice, to make it impossible to mistake me with my mother and sister, who shared the same addresses and names. I was born, XXXX XXXX, my mother changed my name by adding her last name, changing it to XXXX XXXX, and presently, my name is XXXX XXXX. I changed my name because my mother and I shared the same name and our accounts where considered one. 

Today, I am writing because it seems Experian believes, my previous name, XXXX XXXX, and my new name, XXXX XXXX, belong to XXXX different people, although the same social is used, and I have provided documentation of the name change. Experian 's record of XXXX XXXX does not match with the report that has my previous name. The XXXX XXXX report does not have the same errors I have disputed in the past, but they do not show my previous names : XXXX XXXX, and XXXX XXXX or include my past addresses:1. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXThe credit report under my previous name, XXXX XXXX, which they sent along with the XXXX XXXX report, has all the incorrect address I have disputed in the past and incorrectly adds a " Spouse or co-applicant : XXXX, which needs to be removed, as I am not married. '' These addresses must be removed from my XXXX XXXX record:XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ( I have never lived here ) 2. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( This address belongs to my sister, XXXX XXXX-I have never lived there ) XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ( I have never lived here ) My phone number is ( XXXX ) XXXX -- the other numbers do not belong to me and must be deleted. 

I need my credit report to connect my XXXX names into XXXX account, so that it does not seem like we are XXXX people, XXXX with errors and the other XXXX missing vital information. I have changed my name, but my information is not different from one name to another, they only change has been to my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted Transunion via telephone, and mail. Regarding missing information, accurately updating information, and promptly updating my report as soon as the creditors update Transunion. 

1. ) XXXX/XXXX A. ) Transunion has there last update for XXXX being XX/XX/XXXX. My 2-Year Payment history doesnt reflect that. 

B. ) Transunion has my Credit Utilization as 57 % that is inaccurate. 

C. ) Transunion has my balance as $ XXXX.That 's inaccurate its actually {$150.00}. 

D. ) My terms should be listed as revolving. 

2. ) XXXX XXXX XXXX XXXX A. ) I am an authorized user on my husbands card. Transunion has my credit utilization is 76 % that is inaccurate. 

B. ) Transunion has my balance as {$220.00}. That is inaccurate. 

3. ) XXXX XXXX A. ) Transunion has my last update as XX/XX/XXXX.I have paid on time for the months of XX/XX/XXXX,  and XX/XX/XXXX. My 2-Year Payment History also does n't reflect those on time payments. 

B. ) Transunion has my balance as {$1300.00}. Thats inaccurate it should be {$1200.00}.

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 12/28/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/15 Ocwen Loan XXXX receipt of {$24000.00} for XXXX/XXXX/15 " contractual payment for {$8900.00}. " On XXXX/XXXX/15 the funds were presented to your banking institution for payment ''. " There was an instance were the XXXX for some reasons was not able to read the details off the check, which caused the check to result in a chargeback ''. Ocwen ACTS and ERRORS caused them to CHARGE ME A LATE FEE of {$440.00} and send a XXXX/XXXX/15 " URGENT DELINQUENCY NOTICE TO AVOID FORECLOSURE ''. ( Page # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had an account with a company called XXXX XXXX XXXX for monitoring an alarm service at my home. Everything was fine and I had automatic withdrawals from the bank account I had at the time. Once my home was in escrow, I called XXXX XXXX XXXX and made my final payment. They told me nothing else was needed to close the account and I was in good standing. I did not purchase any equipment from them, nor did I live in the home. A few months later I got a bill in the mail. I called to inquire about it and again they told me it was resolved. Several months passed and I received another bill for an outrageous amount. I called again and they told me that I did not cancel my contract and that I have to pay for a service whether I lived in the home or not. I offered to pay a portion of it out of good faith if they sent me a final bill with a cancelation policy and the account manager " XXXX XXXX '' told me no. In his words " black mail my credit '' if I did n't pay 36 months of payments ( I only signed up for 21 months ). I refused and called again to speak to someone above him which I was denied my request. After I requested to be contacted via email so I can have a document of everything he was staying. I asked for a contract stating where I signed up for all of this and they provided a contract. The amount of months my contract was for was crossed out in pen and re-written and they added to months to it, with no initial or signature indicating that I was in agreement with them. In fact I never gave them my social sec #. Also I found it strange that when they sent me a copy, under my signature shows a cut off signature of whoever " Accepted/signed '' the contract and it has a complete different date on it. SO pretty much you sign a contract, then they modify and resign at another date and tell you that you owe them money. I was upset and I told them I am sorry I can not pay money for something I did not ask for. Two years later I look at my credit report and there it is. This is unfair and unjust. I have went on social media to post a negative review to warn other potential victims, also gave them a review on yelp. The more research I have done I noticed that there are many more people who are in the same situation and worse. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I have not been able XXXX obtain XXXX Refunds XXXX my AMAZON CREDIT CARD XXXX is XXXX {$80.00} for a Jacket that was sent back too XXXX on XXXX/XXXX/2015 and as of this date XXXX/XXXX/2015 no Credit has been issued.The Second is for a pair sticky sandal that were also returned on XXXX/XXXX/2015 to XXXX .I have the XXXX RECEIPTS for the Jacket that was too small and it was lined with Dog Fur I had too pay {$29.00} and file a CUSTOM DECLARATION XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: i applied for a barclay card and i was denied do to unsatisfactory prior relationship, i was never late or anything on my card always paid balances in full, they closed me down because i was a victim of id theft and some XXXX went on my credit report and even though i sent them the police report and transunion deleted that fraud off my report there still denying me

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been flagged as impacted by the Equifax security breach. This constitutes incorrect use of my credit information because my personal information was divulged without my consent, due to the company 's inadequate website security.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCC Business Services, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a dispute letter to XXXX advising that the debt reported for {$200.00} by NCC Business Service was fraudulent and that I am a victim of identity theft. I was originally made aware of my identity being used back in 2013 when someone filed a tax return under my social security number, name and other personal information. I filed a police report in XXXX, GA at this time. I submitted this proof to XXXX and also to NCC Business and have also completed an identity theft affidavit along with my driver license and notarized statement. However XXXX continues to report this derogatory information on my credit file. I spoke with XXXX at XXXX fraud department and expressed that I have never done business with the original credit XXXX XXXX and they this is a fraudulent crime. I have also requested validation of this debt from XXXX in which they have not provided. Please see attachments that were submitted to XXXX and NCC Business Services.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Consumer Loan (Installment loan) with Argon Credit (GA).
Issue: Taking out the loan or lease

Complaint: I applied on XXXX XXXX online at Argon 's Credit Website. I was offer an approval for 20 % interest/ APR. I signed the document via electronic signature and submit all documents the same day. As I went through there application process, they used XXXX XXXX XXXX Bank XXXX XXXX to scan peoples bank account activity for 90 days. It asked for my online banking credentials. Uncomfortable giving sensitive login information online, I gave them my past 60 day bank statement. During this time, I have been very patient with this company. They state approval and verification takes " 48 to 72 hours ''. It had been almost 2 weeks. I 've given my last 60 days bank statements, XXXX and XXXX Tax Return, XXXX paystub periods, My Driver 's License ID, and a copy of my Personal Check Voided I recently received a call that I was going to be funded and it would take " another 48 to 72 hours ''. I await 3 days. I check my account and funds have not been disbursted. I call them again and they state it would be another 5 business days for funds to transfer. Please keep in mind my contract was signed on XXXX XXXX. My first payment is due XXXX XXXX and I still have n't recieved my funds in my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Federal student loan) with IMMEDIATE RECOVERY GROUP, INC (PR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My wife will be XXXX in XX/XX/XXXX. There is a Federal Student Loan approx. XXXX that she owes. At one point, around XX/XX/XXXX, the debt was paid down to $ XXXX but this debt now has ballooned to an amount in excess of $ XXXX. 

On XX/XX/XXXX her Social Security direct deposit came in at XXXX instead of the XXXX that she receives every month. We called SSA and found out that her money was routed through the Dept of Education ( DoE ). I called the DoE and a recorder said that there is a specific collection agency ( XXXX ) that handles my wife 's loan, so apparently this XXXX decided to reduce her pay by XXXX to go towards the student loan. 

Supposedly she was sent a notice which has never arrived. We have lived at the same address since XX/XX/XXXX. 

Is there anything here that is not legal?

Company response to consumer: Untimely response
Consumer complaint received 11/27/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX from XXXX XXXX XXXX calls repeatedly about a Dental bill, that I keep telling him that the amount owed is correct. 
He refuses to document the file and send the claim back tot he dentist. He calls atleast six ( 6 ) times per day. 

I spoke with XXXX gian today and explained that the amount owed can not be correct and that I would like a statement of account to review. He told me that I needed to listen to him and do what he says or he will not resolve my account.

Company response to consumer: Closed with explanation