milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX XXXX XXXX notified me that my credit report had been adversely impacted. In looking closer at my report, the reason for the negative impact is only due to numerous inquires. I reviewed the inquiries and I noticed that my mortgage company, XXXX, had run XXXX separate inquiries last Fall when I refinanced my primary residence. See below : XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX I reached out to Credco and was informed that they could submit a request of deletion but only under the direction from XXXX. I left a vm with XXXX on XX/XX/XXXX and on XX/XX/XXXX a social media analyst ( contact info below ) called me to obtain some further information. I e-mailed her my complete credit report and the fax number Credco had given to me to provide to XXXX so this could be rectified. XX/XX/XXXX - XXXX called me to inform me that XXXX would not be sending any letter of deletion due to the need to run both hard and soft credit inquiries. I asked for something in writing be sent to my e-mail and she indicated that she could n't grant that request and that it would be a legal issue. I have spoken with XXXX XXXX, as XXXX advised was my next step, and they informed me that all the inquiries are 'hard '. XXXX XXXX also informed me that they could n't delete transactions unless the creditor directed this action. In addition to not authorizing ( not being informed that multiple checks would need to be run and could negatively impact credit ), I feel that any mortgage company that operates under this practice borders on unethical considering a negative credit report can thus tie a consumer to one mortgage company. If there is no regulation on multiple inquiries what is to stop a creditor from damaging a consumer 's credit enough so a consumer can not shop a better rate? <P/>Representative from XXXX : XXXX XXXX Social Media Analyst II, XXXX XXXX XXXX XXXX Office : ( XXXX ) XXXX Fax : ( 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 06-08-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I made my payment on time for XX/XX/XXXX and XX/XX/2016 with Toyota Motor Toyota reported to the XXXX credit bureaus that I was 60 days late XX/XX/2016 and 30 days late XX/XX/2016. I called Toyota and they said that they see that I did make my payment on time both months and that it is an error. I disputed it and Toyota is stating that they are reporting it correctly. This error dropped my credit scores over XXXX points now I am being denied credit everywhere

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: IQ Data International has not provided validation of a debt as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has not set up proper protection. My information has been leaked to hackers! along with my husbands

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (I do not know) with Progressive Financial Services, Inc. (MA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Calls without identifying who they are. Threatens legal action. have told to cease and desist all contact and the still call.

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 04-10-2015 about Student loan (Non-federal student loan) with Keith D. Weiner & Associates Co., L.P.A. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had a private student loan go to collections after attending college at XXXX University in Ohio. After school I was not able to keep up with the payments after finding an entry level job. Once in collections I made an agreement with the help of an attorney to settle the debt. I made all applicable payments as indicated by the attached documentation, however, the debt collection company then forwarded my file to another debt collection company who I now have to battle with to show that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Atlantic Credit & Finance, Inc. (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Attempted to close XXXX XXXX account, they kept it open on vendor side to add another {$300.00} in late exorbitant interest fees then sold my account to Atlantic credit & Finance, XXXX XXXX XXXX, XXXX, MI 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 non-monetary relief
Consumer complaint received 03/13/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: Continued lying and deception by Chase Bank. This has been going on for 3 years. We asked them to stop flooding our business mail box with their junk mail, complained repeatedly to the BBB, The Texas Attorney General and the CFPB. Each of these has been ignored or they send out a form letter saying they will cease and desist. In XX/XX/XXXX they lied saying it takes 90 days. It is now XX/XX/XXXX and we are still receiving their junk.The mail is addressed as : XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MS).
Issue: Managing the loan or lease

Complaint: I got a loan for a car in 2005 from GM Financial. They are reporting my late payments incorrectly. They keep changing the month and year of the XXXX late payment everytime it get 's close to being XXXX years to remove it. They are also reporting on my husbands credit report for the same loan but putting different information on his than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Mortgage (Conventional fixed mortgage) with UMPQUA HOLDINGS CORPORATION (WA).
Issue: Settlement process and costs

Complaint: I submitted an application to Umpqua Bank for a mortgage XX/XX/XXXX, 2015 and was assigned a closing date of XXXX XXXX. XXXX XXXX was assigned as the mortgage banker. On the application I noticed that my home value was listed as {$320000.00}, where this figure came from I do not know. After the original good faith estimate was sent to me and prior to going forward and pre-paying for the appraisal, I asked XXXX XXXX if there were any issues that I should be concerned about and I was told no, everything was fine. Unbeknownst to me, the terms of the mortgage were based on a 60 % LTV which was exactly the {$190000.00} I needed to pay off my existing mortgage. This was never explained to me until after I was sent a new good faith estimate which required me to pay an additional {$1200.00} because the appraisal came back at {$310000.00}. When I questioned the appraisal, how XXXX of the comps used and my property were valued the same by the appraiser, yet the comp was assessed {$30000.00} less by XXXX XXXX, I received absolutely no reply from any representative at XXXX. ( I sent multiple emails to XXXX XXXX ). The appraiser also did not account for a storage shed that would have increased the value. In addition, although the closing date was originally set for the XXXX of XXXX, XXXX XXXX tried to arrange the closing the week of XXXX XXXX to which I was amenable, but when on XXXX I was not able to meet with the title company, I did not hear anything from XXXX XXXX until XXXX XXXX, after the closing date, despite calling and emailing him several times. Lastly, despite providing proof that my second half taxes had been paid by my existing mortgage holder ( record of funds coming out of my existing escrow account and being disbursed to XXXX XXXX ) I was required to pay an additional {$1300.00} to pay for the taxes. I was assured by XXXX XXXX that these funds would be held in escrow until the payment posted to XXXX XXXX website. That is not what happened! The funds were immediately paid to XXXX XXXX by XXXX XXXX XXXX. After realizing what happened I contacted XXXX XXXX regarding this and he told me that he would contact the title company to have my money returned to me. I have yet to hear from XXXX XXXX or the title company as to a resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Other fee

Complaint: I had a Chase Mileage Plus Explorer Visa card which has an annual fee of $ XXXX./yr. I chose to discontinue that card and knew that the fee was coming due in XXXX. I cut up the card and mailed it to Visa in the XXXX. When I received the statement in XXXX, I ignored it since I knew that I had already closed the account and had not made any purchases on it for at least six months. 
In XXXX, I received a statement with the {$95.00}. annual fee plus a {$1.00} purchase interest charge. 
I called them immediately saying that I had mailed the cut up the card and that the account was closed. They told me that they had not received notice that it was closed and that they would close the account but that I still owed the {$95.00} fee since it was not closed within the time frame of when the bill was received. 
My argument is that I certainly did close it within the appropriate time frame. The fact that they can not find it should not be on my dime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX Regarding loan number XXXX XXXX for the estate of XXXX, Mi. XXXX The following outlines the difficulties that we have been having for the last three years with Chase Bank, with regards to the mortgage of my late mother 's home in XXXX, Michigan. 
Shortly after my mother passed away Chase Bank demanded a full reinstatement payment of {$4700.00} which was made on XX/XX/XXXX. 
The following month, we went to a branch location to make a payment and were told that payments would not be accepted, due to the fact that there was no longer a loan. We spent the next three months trying to straighten this matter out with Chase, to no avail, until I personally ran a deed and title search on this property, what I found was that on XX/XX/XXXX, the day after we paid fully to reinstate the loan Chase changed the deed to themselves. This was formally recorded on XX/XX/XXXX. 
We have been embroiled in this matter since then and need your assistance to get Chase to release this loan to me, the property was given to me prior to my mother 's death and we are happy to pay on this mortgage, but Chase is making it impossible to do so. Also, there is a sale date set for XXXX XXXX. 
Please see all accompanying documentation. Thank You for your assistance with this. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Application, originator, mortgage broker

Complaint: Buyer for my townhouse has outstanding credit applied for conventional loan with XXXX on XX/XX/2016. He was approved immediately for the loan. Our closing date was set for XXXX XXXX, then XXXX XXXX, then XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and now XXXX XXXX. Chase has not explained why and refuses to return calls to me and the buyer. This delay has now caused hardship on several different people.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Despite meeting payment arrangement and paying earlier than agreed Ditech harasses us over the phone and by knocking at our door! 
It is unacceptable to have this company abuse its clients by unfair practices. They agreed to a payment arrangement, payments were made and paid balance due before agreed date. They have knocked at my door twice leaving nasty messages. Balance due was paid last XXXX XXXX. Today XXXX XXXX someone knocked at my door and left another nasty message. WHY? UNACCEPTABLE!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I have been trying for months to log into my XXXX XXXX  XXXX account through Equifax. I have been put on long holds, told by their customer service dept that the issue would be corrected, lied to over and over again. I have a log in but can not access the credit monitoring that I signed up for due to the security breach. In addition, Equifax is blocking me from accessing my credit file online. This is my second complaint through CFPB and to date nothing has been corrected. What is the point of having CFPB if you're not going to investigate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Student loan (Private student loan) with ACS Education Services (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Loan Details Current Interest Rate- Variable- 6.030 Current Balance effective- XX/XX/XXXX Date Loan was sold- XX/XX/XXXX sold from XXXX XXXX Latest Rate they were able to Provide-Starting interest rate- 4.950- XX/XX/XXXX Total Disburdenment- {$50000.00} I was not aware I thought it was this high Current Balance- {$39000.00} Goal : Private Student Loan Reliaf Paying loan over 12 years, balance is not really decreasing, school is now closed, was not informed of loan terms when applied in XXXX. 
- Also payment is not getting applied correctly in addation there was false certification. 

Please help me ... .. 

Contact info XXXX XXXX XXXX Tel- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I financed a vehicle through Toyota Financial. I was always on on time with my payments. I lost my job and had to file Bankruptcy. Toyota did n't take my payment. Before the Bankruptcy I tried to get a deferment but they said no. 
I got another job and decided to drop the Bankruptcy and pay my creditors. I have been making my payments every month with Toyota and paying on the past due month that I owed. Toyota is reporting me 30 days late every month when I am not 30 days late. I have bank Statements showing my payments every month

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Other mortgage) with 1ST ALLIANCE LENDING, LLC (AL).
Issue: Credit decision / Underwriting

Complaint: I applied for a USDA home loan through 1st Alliance lending XX/XX/2016. I went through the entire process with this company, and submitted everything they requested of me. I received a preapproval letter early on in the process after I submitted the documents they requested of me. I sent the company several paycheck stubs verifying my, and my wife 's income, through the entire process, which was roughly 5 months, XX/XX/2016 to XX/XX/2016. So the company had ample enough time to verify our income through the entire process, to determine if I we were financially capable of making our mortgage payments if awarded the loan. We were told earlier on in the process that we had ample enough income to qualify for the loan, as well as through the entire process up till the end. I had to pay for the appraisal of the home we were attempting to purchase in the amount of {$470.00}, as well as we lost {$500.00} in earnest money that we put up for the home, due to the application process extending past our contract date. Also, the loan coordinator, XXXX XXXX, told us that we had to use their appraisal company, and could not use one of our choosing, which I feel is illegal. I feel as if we were victim to bad/illegal business practices because we were told initially that our income was sufficient enough to secure the mortgage loan with 1st alliance Lending, 5 months later, and after losing the {$470.00} we spent for the appraisal for the home, and the {$500.00} in earnest money we lost due to the process extending past our contract date, we were told that all of a sudden our income was n't sufficient to secure the loan, and that all of a sudden our debt to income ratio was too great, both of which was verified at the beginning of the process, as well as continuously through the 5 month process. Our loan packet also never went to the U.S.D.A. underwriter, it just stayed with 1st Alliance 's underwriter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I have been checking my credit reports because I plan on purchasing a home and I have noticed that there's a XXXX California XXXX charge-off account listed on my credit report for {$380.00}. I have no knowledge of this account, nor have I ever lived at the address associated with the account. I have never, at this point in time, had a utility bill in my name. Per the FCRA laws, I have the right to dispute inaccurate information, and as I have tried to dispute this, nothing has yet been done. I would like this to be removed from my credit report immediately as it is not rightfully my account and no parties can validate it being so. 

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medical information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to XXXX medical records. I know for a fact i did not give ANY provider permission to share my medical information. The reporting agency needs to remove ALL accounts on my credit report. In addition i will be filing lawsuits against these creditors for violating my medical rights. I have ALREADY disputed these accounts the EXACT same way and they 've come back verified. How? Did you recieve a medical release form?

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX is charging on an account I do n't have, I 've never had XXXX XXXX before. Apparently this service is in XXXX, Texas, I 'm already in collections for something I do n't have and never had. I called XXXX XXXX and they do n't have my last four numbers of my Social Security.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Debt collection (Medical) with State Collection Service, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Dear Officer, the original creditor, XXXX XXXX XXXX, never submitted a statement nor any reminder for a medical service provided to me on XXXX/XXXX/XXXX despite other similar statements were duly received, including a statement dated XXXX/XXXX/XXXX related to other services also provided on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, while at XXXX XXXX XXXX for other services, upon my suspicious that something was wrong, I checked the account in person and paid the amount due of {$590.00} of which I hold a receipt. Today, I received a letter dated XXXX/XXXX/XXXX from State Collection Service requesting a payment of {$590.00}. In addition, please note that XXXX XXXX XXXX has yet to provide a statement for the XXXX/XXXX/XXXX service and for services at a later date, making me suspicious that this is a recurring practice. Please investigate into the practice of both XXXX XXXX XXXX ( not sending a statement, not sending a reminder, selling an already paid debt or not cancelling it after accepting a payment ) and State Collection Services Inc. ( trying to collect an already paid debt, potential links to XXXX XXXX XXXX bad practice of not sending statements and whatever else you may find ). 

Best Regards, XXXX XXXX, Husband and financial guarantor for XXXX XXXX State Collection Service Inc. Client Acct # XXXX

Company response to consumer: Closed with explanation