milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After checking my TransUnion credit report, I found out that Trans Union has been including reports made to it by a company called XXXX since 2015. XXXX is currently reporting that I have an outstanding amount of {$710.00} due to its company and that the status of the account is " charged to profit and loss. '' XXXX is absolutely not a legitimate company. They are not licensed by the Florida Office of Financial Regulation to act as a consumer lender, nor are they a federally-chartered bank. The State of Florida  declares loans made at an interest rate greater than 25 % to be considered loansharking or usury and is a third-degree felony. This can be verified here : XXXX XXXX XXXX  XXXX charges interest rates in excess of 500 % annually. The company is operating illegally and in contravention to Florida law. I 've disputed the account to Trans Union already, and XXXX verified it as accurate. I can not see how it is possible that TransUnion allows an unlicensed, illegally operating entity to report information to it -- information which it then incorporates into reports it sells to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: My name is XXXX XXXX, I am XXXX years old, I am currently a XXXX and employee at XXXX XXXX here in XXXX XXXX, California, I have been a customer at Bank of America since XX/XX/2006 and I think their overdraft fees policy is ripping customers like me off, especially their extended overdraft fees policy which put customers like me in a deeper hole, they have been sued because of their overdraft fees policy and I think me and other customers are being ripped off because of their policy. 

My contact information : XXXX XXXX, Debit Card Number : XXXX Thank You 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 09/16/2015 about Debt collection (Payday loan) with Lionstone Holdings Group (MS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX, 2015 @ XXXX I was contacted by someone caed my job stating that she needed to what time I would be home to serve me some papers I needed to sign for I informed her that I work daily and do not have set hours that i come home in the evening. I then asked what kind of papers she responded just to notify me of debit she gave me contact info of the company with a reference number. I called the company @ XXXX Reference # XXXX & the said the were working for an investor & they wanted full payment I explained i can make a payment of {$20.00} a month she put me on hold said investor would on take {$170.00} a month i explained i could not afford that amount & she got really rude and stated how close can you come i responded {$20.00} she said i need to be more realist with payment. I hung up on her when she got loud. I recieved several number withheld numbers & then a message was left stating she would be out to my home on XXXX XXXX, 2015 & she needs to see my ID to leave papers & she has a XXXX address she will also go to if i am not home and left the number where the papers where sent from. I then called the company who does not give the name of the company & I spoke with XXXX XXXX ext. XXXX I explained to him that I recieved a voicemail from some woman stating she was going to bring papers to my home & XXXX address if I am not home I told him they could not come to my job he stated that she would not and they would just be sent in the mail if she could not reach me. As i was hanging up the phone he stated good luck in court & hung up. I called the number back and asked for his name, company name, & address so I could file a complaint for the comment he made about have a good luck in court when I was told the day before that the papers were just to notify me of the debt & it had not reached that stage yet & I also wanted to report him for his attitude. I also told XXXX XXXX that I was going to report the threat to take legal action to the FTC. He then became reallly rude and gave me the address of Lion Stone Holdings Group LLC XXXX New York XXXX and the Director is XXXX XXXX ( ext. XXXX ) & he stated again good luck in court case we do plan to take action & do you want the attorneys name I hung up on him because he was upseting me with his rude attitude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I would like to file a complaint about our experience with purchasing flight tickets with Chase Ultimate Rewards. We booked 5 tickets traveling from XXXX XXXX to XXXX on XXXX XXXX by XXXX, the departure time is XXXX XXXX on XXXX XXXX. When we checked in at the XXXX XXXX counter, we were told the flight already departed at XXXX XXXX We were shocked! <P/>The manager in XXXX XXXX explained that the flight time of flight XXXX XXXX has been changed from XXXX XXXX. to XXXX XXXX, they said that they did notify Chase about the change, but are not sure if Chase sends notifications to passengers who booked tickets through Chase. We were fortunate that the manager was being very helpful and was willing to help us reassign five tickets from XXXX XXXX to XXXX with a layover in XXXX on XXXX XXXX. We finally arrived XXXX at XXXX XXXX  XXXX time, which is 9 hours delayed from our original arrival time. We appreciated XXXX XXXX help since this is not their fault at all. <P/>On the contrary, we received an email from Chase notifying us about the flight schedule change on the day of our flight to XXXX, but the notification is about the department time for the inbound flight. The email shows that the flight from XXXX to XXXX XXXX on XXXX XXXX would depart 30 minutes late. Whats interesting is that it still displays the outbound departure time to be XXXX XXXX Because of this is the most recent email we received from Chase, we assumed this is the most updated flight information and therefore we missed out outbound flight. <P/>We were upset that Chase didnt notify us about the flight time change. We never received any emails or phone calls about the change. Although Chase sent an email to notify the inbound flight time was changed, Chase should also display the updated ( new ) outbound flight time on the most recent email. In fact, when I logged on to your website up until now, the outbound departure time for our outbound time still shows XXXX XXXX <P/>Instead of arriving at XXXX XXXX., we arrived at XXXX XXXX, we lost 9 hours dealing with our flight change request and layover. We also missed the prepaid activities that we originally booked. We basically missed one day in XXXX We are loyal customers of Chase and Chase Ultimate Rewards, this is the first time for us to have to deal with drastic flight time change, hauling luggage between terminals It affected our mood and our precious vacation time. Thank you for offering the opportunity to explain our frustration. <P/><P/>Best regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I tried for over six months to modify my loan and in the end it was denied for excessive debt. I have an adjustable rate loan which is 2 % above current rates. They refused to even lower it to todays market rate which would have made the loan a lot more affordable. In addition, it is still an adjustable rate loan which can change every year. They did nothing to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$300.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments This account is not mine, it was removed from my report and then added again. As a result my credit keeps decreasing.

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 05-09-2016 about Debt collection (Credit card) with The Law Firm of Ryan E. Calef and Associates, LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Not trying to still collect but debt was paid in full XXXX to Ryan E Calef Law Firm and 2 months later they still have not notified the court. Called Court month after paid off and they said nothing was filed. Court told me to get Warrant of Satisfaction from Calef so I sent certified letter with self-addressed stamped letter requesting Warrant of Satisfaction. Nothing was ever sent to me. Called Court right before starting this complaint and they verified nothing has been submitted to the court at this point and judgment is still listed as active. 
XXXX COUNTY SPECIAL XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Reference Number XXXX

Company response to consumer: Untimely response
Consumer complaint received 03/28/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This information was suppose to age off my credit reportr back in XXXX 2014. I have disputed the information as out the XXXX SOL but all my credit report udpated to say was 'account disputed by consumer meets FCRA standards '.

Company response to consumer: Closed
Consumer complaint received 03-01-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (GA).
Issue: Managing the loan or lease

Complaint: American Credit Acceptance ( A.C.A. ) is lying that I owe them {$1000.00}. XXXX XXXX, 2012 I was in a car accident and my vehicle became a total lost. A.C.A. told my insurance companies that I owed {$9700.00}. XXXX paid {$8300.00} ; XXXX paid {$1000.00} ; and XXXX paid {$550.00} for a total of {$9900.00}. They were overpaid by {$240.00} and they never gave me my refund. I had GAP insurance by XXXX, and XXXX refunded the GAP and extended warranty. A.C.A. cant change my balance once they tell my insurance company a balance and cashes the checks. By cashing the checks, they are argeeing that the letter attached to the check is correct amount owed. XXXX had a breakdown of all parties payments except XXXX extended warranty refund for {$240.00} which should have been returned to me, not XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been receiving bad information about a set of student loans that are being serviced at XXXX XXXX XXXX. Four years of payments that I have made to XXXX XXXX XXXX have been incorrectly applied. Therefore, the more that {$5000.00} in payments that I have made during this period have not gone towards my loans. This misappropriation of funds has brought down my credit score from the 800s to the low 600s. This problem with XXXX  XXXX XXXX has directly led to the drop in credit score and is preventing me from consolidating the loans with an private company. 

I obtained proof from XXXX XXXX XXXX that the money was received by XXXX  XXXX XXXX, in what was called a XXXX document. It has taken more than 2 months for the company to solve this problem and I call every week in to attempt to solve it, but am still unable to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (I do not know) with Delta Management Associates, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has been harassing by phone daily in all hours of day and night ( automated and live person ) for more than a month without reason or reference Therefore they are in violation of the FCRA I have no knowledge of ANY debt agreement with them. 
It is illegal to collect on an erroneous debt with them that I have no knowledge of I didn't have signed contract agreement with them. 
They did not send me a written notice of this alleged debt I have mailed them a cease and desist letter and asking them what original debt that I owe Delta Management.

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 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was behind on my student loan and was being threatened to be sued. I would try to pay them when I had money but if it was not what they wanted they would not except my payment and they would harass me calling every day 5-6 times a day. Then they called me to work out a deal I had to pay them XXXX $ up front then a XXXX $ a month with an interest rate of .3 percent. They send me a bill by mail telling me there taking out the money every month but there was no information about the loan on the paperwork besides how much I owe them. I went online to look at my account almost 2 years later because I felt like the total should have been a lot lower at that point and realized they never dropped my interest rate and the whole time I was paying 8 % I fault with them for months about giving me back my money or taking it off my loan called hundreds of times they would n't call back then finally they said they fixed it but they did n't they owed me almost XXXX $ and when they sent me my total in the mail it was not XXXX $ less. They kept stateing I was figuring out the numbers wrong but at one point one of the members from there team even stated that they owe me almost XXXX $ dollars but they said they were wrong! I still have not seen it fixed and they refuse to fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Management Partners, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an unknown item that appeared on my credit file that is brand new reporting for {$270.00}. I have no idea what this is and want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Actually, I was having a good credit score last month but I saw a drastic drop in my credit score this month. Earlier I was just neglecting this impact but now when I saw my credit score in XXXX XXXX, I tried to find out the cause of this drop. I saw there were some hard copy inquiries put by some company on my credit score without my permission. 

Can you please help me in removing these companies from my record?

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 monetary relief
Consumer complaint received 11-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My contract with XXXX was completed and I did not want to renew my service with them because of the rate increase. I sent the equipment back. Later I was charge {$250.00}. because I did not renew with them, I spoke with this company on numerous occasions to have this error corrected, but was not able to get this resolved. I filed a complaint with FTC about this issue and the numerous different collection agencies that keep reporting it to the credit reporting agencies. It will be removed when I file the compliant then another debt collection agency will file in the credit system. This is an on going cycle and I am requesting to have debt error removed permanently from my credit. As a responsible consumer I feel this a bulling tactic from this organization ( XXXX XXXX XXXX ) when they can not get their way.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This is to inform you that SLS is charging me fees that are not mentioned on modification agreement, attached you will find statement from XXXX showing amount we agreed to, I understand that scow amounts can change every year, but a month later they sent a statement showing a different amount than he had agreed to. please find attached, modification agreement sign by both parties, XXXX statement, and XXXX statement showing different amount. thank you

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 05/21/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (AL).
Issue: Managing the loan or lease

Complaint: I had a financial hardship in the months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and was n't able to make my car note on time. I called Nissan and told them that I would be late making my payments and wanted to know if I could get my due date adjusted. Nissan refused to do such but instead kept calling my home after XXXX up until XXXX at least XXXX times or more each day. Kept telling me you need to make your payment and I told the representative that I was having a hardship and had called to let them know and was refused payment arrangements. So Nissan put late 90 days on my credit report and now I am having a hard time getting credit to buy things that I need due to the 90 day late status on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Mortgage (FHA mortgage) with CROSSCOUNTRY MORTGAGE INC (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I refinanced a loan with my local lender, XXXX XXXX XXXX XXXX They sent a payoff check written from their bank to the mortgage holder, Cross Country Mortgage. Cross Country Mortgage did not accept the check, because they said they were not certified funds. The payoff was sent XXXX/XXXX/XXXX. A letter was drafted by Cross Country Mortgage on XXXX/XXXX/XXXX advising of the rejection of the payoff. It was sent along with the bank check which I did not receive until XXXX/XXXX/XXXX. Now they want additional interested on the payoff, which neither I nor my new lender believe should be paid. And why did they not call me or my new lender immediately when the received the check. Also, I and a representative from my new lender have called, but Cross Country Mortgage would not let either of us talk to anyone above the supervisor level. 

Also, when I originally applied for this loan the loan originator told me there would be no origination fee, which I specifically asked about. However, when the settlement statement was given to me and we closed the loan, there was an origination fee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (IL).
Issue: Struggling to pay mortgage

Complaint: I was modified in 2014 under the MAKING HOMES AFFORDABLE plan with XXXX XXXX XXXX. I also have a 2nd mortgage with PNC. This is a toxic mortgage that is interest only that I Have paid for 13 years already, never any principal going down. Since I was modified under the government program, MAKING HOMES AFFORDABLE in 2014,  PNC was to offer me a XXXX loan modification. They never offered this to me. I am stuck with this toxic loan. They make excuses that about match lists. I am enclosing a copy of my HAMP modification and I want PNC to offer me a XXXX with the 1 percent interest rate for 5 years and the XXXX bonus for 5 years of good payments. Please help me. I am XXXX and living on a fixed income. XXXX XXXX helped me very much and this lender is not working with clients the way the rules state. Thank you

Company response to consumer: Closed with explanation