milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Credit Management and I agreed to pay {$760.00} for a XXXX XXXX debt. 

Midland prints checks to present to my bank for the payment. 

My bank notified Midland that their check was not being printed correctly. After XXXX payments and no response or change from Midland, my bank refused to accept their check. 

I contacted Midland and they reinstated the payment plan and corrected their check account number. Midland did not inform me that they were no longer agreeing to the original agreed upon debt amount. After making the final payment, Midland wants to collect {$480.00} more in debt payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Mortgage (VA mortgage) with TJC Mortgage, Inc. (TN).
Issue: Application, originator, mortgage broker

Complaint: On XXXX/XXXX/XXXX we were told by XXXX XXXX at TJC Mortgage Inc, via email that we qualified for 3.25 % fixed and to skip XX/XX/XXXX and XX/XX/XXXX payments and we would receive {$1900.00} in escrow. This was our whole reason to refinance our VA from 1.75 ARM to a fixed rate, the large escrow and the skipping of two months. Our pymt would go up but we would be able to pay off other items with the XXXX that we were told we would receive. On XXXX/XXXX/XXXX I sent XXXX the email and a copy of our mtg loan transfer and he said " it would have no affect but to send the letter so he could get the updated payoff '' via email. ( at this time he would have been CLEARLY aware that our previous mtg holder paid the insurance with the escrow. I found out XXXX XXXX, XXXX XXXX I was sent a late pymt notification from our previous mortgage company and at that time I asked about the escrow account and they told me it was paid on XXXX/XXXX/XXXX. However, XXXX or TJC Mtg did not inform us of this change and proceeded with the closing while knowing we were under the assumption of receiving this {$1900.00} in escrow. They sent several emails over and over again that had the exact same information to sign electronically but they failed to include the fact that the escrow or Insurance had been paid therefore we would only get to skip two payments. We would NOT have moved forward with closing and I 'm sure they knew this and that 's why it was NOT mentioned. Instead of the {$1900.00} we got {$250.00}. We did not close on this until XXXX XXXX, XXXX so they were CLEARLY aware of this and no one brought it to our attention. We would not have moved forward for we still had an additional year for our 1.75 % and would have been able to pay off more principal on our home. Instead we were deceived, they got a new mortgage ( so still making money off of us ) and we our out the {$1900.00} and we have a {$200.00} per month higher payment which is odd because the numbers he quoted at the beginning actually went up and our house was less to pay off and the escrow was paid in full on XXXX XXXX, XXXX. So I 'm not sure why it 's about XXXX per month higher than he quoted us in the first place. We understand refinancing number will be off a little, but knowingly withholding information such as the escrow ( because they lure you in with this! ) is deceiving the payee, me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2016 about Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (GA).
Issue: Settlement process and costs

Complaint: XXXX/XXXX/XXXX called 3 times notifying of house fire informed I did n't need to do anything even though my XXXX was saying otherwise. XXXX/XXXX/XXXX I was able to finally file a claim and packet would be sent out. XXXX/XXXX/XXXX called again informing still have n't received packet so another packet to be sent then I requested it to be faxed. Unable to fax after a 2nd request. Finally faxed XXXX/XXXX/XXXX filed out and faxed back. Called several times to make sure they had everything they needed. I even spoke to the supervisor XXXX on 2 separate occasions regarding mis-information and requested she listen to recorded call and asked to speak to someone above her for which she stated no one was above her. I filed a formal complaint to management. I finally received my first money draft XX/XX/XXXX so my contractor could get started on my house. I called in several times after trying to make sure no further delays. XXXX/XXXX/XXXX I called to check progress was informed an inspection had been done awaiting results. Called XXXX/XXXX/XXXX and XXXX/XXXX/XXXX informed they were still waiting on inspection report. I figured out on XXXX/XXXX/XXXX an inspection had n't even been done. The mortgage company is holding money that my insurance company gave me to rebuild my home. All this time they are drawing interest on the money. All this time me and my family live in a hotel. I do n't know their process but I expect them to know nor do I have access to their system. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This account is mine and all XXXX reporting companies took my good standing credit off. 
Without my permission so please could you have them to put it back 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 11/17/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX took {$5000.00}. dollar and they said they were going to help me with bank of America due a modification. when I try to reach out to them no one has answer my calls or emails and the phone does n't work now.

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 05/30/2017 about Debt collection (Credit card debt) with USI Solutions Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: USI Solutions called me ( a woman named   XXXX   XXXX   ) and tried to collect a Zombie debt from 2008 that was already settled with the original debtor.
I advised them of these and they threated to mark it as refusal to pay and would have a negative impact against me.
They provided False statements and representation ( trying to collect wrong amount, impersonated lawyer or government ) Attempts to collect debt not owe, No written notification was ever received Took or threatened to take negative or legal action.

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 08/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I attended XXXX University and during my studies at XXXX, there was an outstanding debt owed to them. When I left XXXX I provided adequate and precise forwarding mailing information of which they failed to capture. 2 years later I realized there was an outstanding amount of XXXX dollars and the school charged me and extra XXXX dollars of late fees assessment due to a negligence on their behalf for not capturing the correct mailing address. When I found out about this year I added it to my current loan provided then new information and in return they were suppose to give me a default letter clearing this matter. They have supported and email identifying receipt of the funds from a government loan institution and yet they refuse to give me a clearance letter knowing that I need to begin classes XX/XX/XXXX. I am really upset that my semester will be delayed because they simply are upset that I wrote them a very strong email identifying there error in managing this situation. I hope that they understand the ramifications and jeopardy they place me with on an educational stand point. They can easily give me a default letter but they seem to want to not help and have me miss my semester with the new school.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do not owe this company any money. I never received any product.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (I do not know) with HONOR FINANCE, LLC (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Honor Finance has been calling repeatedly ... several times a day for several weeks now. I have asked them over and over to stop calling. 

I do not owe them money. I do not have debt with them. I have never carried debt with them. I have no relationship with this company. They have absolutely no reason to be calling me. Honor Finance is harassing me because a friend listed me as a reference at some point ( without my knowledge ) and she owes them money. They know where my friend is. They know her phone number and her address. It is not my responsibility to collect a debt for them. 

I want these calls to stop. This is not okay. They have called from several phone numbers on multiple occasions, and I will continue to delete their threatening messages and block every single number they call me from. The most recent contact ( after multiple requests for them to stop calling ) was XXXX XXXX, XXXX, at XXXX a.m. (!!!!!! ) from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation. I need to get this handled because I have goals in the future for my credit. attached is the letter XXXX XXXX sent me along with the check image thanks 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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: This began with CFPB # XXXX, requesting XXXX XXXX to remove XXXX XXXX from my credit report on XXXX XXXX, 2017. <P/>XXXX contacted me on XX/XX/XXXX and agreed to withdraw the incorrect information from my credit reports, subsequently being removed from XXXX and XXXX. <P/>On XX/XX/XXXX, I emailed XXXX XXXX at XXXX XXXX regarding the item still being on my Equifax. I received a letter dated XXXX XXXX from XXXX XXXX stating that removal request had been processed with all major credit bureaus. I submitted a dispute with Equifax on XX/XX/XXXX with the attached letter ( Confirmation : XXXX ). On XX/XX/XXXX I called Equifax to follow up on the dispute status and was told it would not be removed since XXXX had not withdrawn the item. I spoke to a supervisor and brought the submitted evidence to her attention. She resubmitted my request and gave me a new confirmation : XXXX. <P/>XX/XX/XXXX I receive the attached notice from Equifax that the item has been " verified '' Either XXXX is not correctly withdrawing this item or Equifax is intentionally damaging my credit with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: APR or interest rate

Complaint: I had an XXXX credit card when I was in college. It was bought out by Chase Freedom. In the process of changing companies I missed a monthly payment in I believe XX/XX/XXXX. Chase immediately penalized me by raising my interest rate to a borderline usury interest rate of 29.99 %. I graduated in XX/XX/XXXX into a bad job market and was underemployed for much of XX/XX/XXXX and XX/XX/XXXX which made it incredibly hard to pay down my balance while the absurd interest rate was being applied. I eventually was able to pay off the balance. Since that time my credit has drastically increased and I have been able to buy a nice XXXX family home without a joint applicant or co-singer. I have also been able to obtain new credit cards with competitive interest rates. 
I have called Chase freedom several times over the last couple years to have it lowered to a reasonable rate that is in line with my credit report. During this same time period other credit cards that I use have lowered the interest rate on my cards without me even requesting it. Chase 's explanation is always the same. They in a friendly and polite way tell me there is nothing they can do and that is the lowest interest rate they can offer to someone in my situation. They informed me that they periodically review the account to lower my rate. If that was true it would have been lowered. From my conversation with them it is my understanding that the one criterion I am not meeting is credit card activity. Once the card was paid off I stopped using it for obvious reasons. I explained to them that only a desperate person would use a card with 29.99 % interest rate and I would n't start using the card unless it had a reasonable rate. In my opinion I have been responsible since that one missed payment and they are choosing to punish me for the life of the relationship. Chase informed me that they no longer use the same practice of penalty pricing but was nice enough to grandfather me in under the less favorable terms. I do n't believe the process they use gives me a fair opportunity to lower my interest rate to a reasonable level. I closed the card because they made it clear they did n't want my credit card business unless I was going to pay 29.99 %. I understand Chase is XXXX % covered legally on what they are doing but I believe their practices are unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with Houston Finance Co. (TX).
Issue: Problem when making payments

Complaint: I have contacted the company and informed them of my financial situation and told them I would pay in smaller amounts and then pay off once I get my income taxes. I have been unable to make payments and the company keeps calling texting and emailing me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: my school closed I was told if a school closes all debt is null and void yet i get letter after letter asking for repayment

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called today XX/XX/XXXX XXXX PT ... the Transunion in Pennsylvania , spoke to a representative named XXXX and i politely asked that they may remove XXXX inquiries from my credit report as i fell victim to their inquiry error ... Removing and reinserting information on a credit file is by section 611 fcra laws illegal without notification within 5 days of reinserting. There were plenty of inquiries that were recently removed XX/XX/2016 and essentially put back on immediately without my acknowledgement which in turn later just expired due to the 2yrs statute, yet there was recently another glitch error that removed and reinserted my inquiries just last week. ALSO a XXXX sheet just got mailed to me stating i applied for some loan with them under Transunion 's reporting, although not showing on my report as of today, i do n't recall ever associating with them at all. I have the sheet attatched. Dont tell me to contact creditors because i 'm not portraying all these to be unauthorized, but this is a error on TU end. Company courtesy, I need these current inquiries off immediately and permanently this time. Inquiries : Screening Pros XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, & XXXX XX/XX/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 11/14/2017 about Debt collection (I do not know) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX amount owed : XXXX On XXXX XXXX, 2017, I called the above mentioned company in regards to a collection account being reported to the credit agencies. When I called, I got an initial representative by the name of XXXX who requested my full name, social security and my DOB. Iinformed her that I was unsure what the debt was for and that I was extremely leery about providing personal and protected information. This representative told me that if I verified my DOB and last 4 numbers of my soicial security number, she would be able to give me detailed information on the account. I provided her with my DOB and the last 4 digits of my social security number. When I then asked who the original creditor was, she refused to give me the information. She stated that she would need my full mailing address and my full social security number. I then informed her that i would not provide additional information and that per her previous statement, I needed her to tell me who the creditor was. She refused. I then requested to speak to a supervisor. She then transferred to XXXX XXXX, who hung up on me after being on hold for 5 minutes. I called back and requested to talk to him directly. When he got on the phone, explained that i obtained the information from the credit agency and that according to what is being reported this account does not belong to me. He explained that I needed to verify my identity by providing all of my personal information. I then explained to him what XXXX had explained to me, that I had provided information and that she then refused to give me details on the account unless I disclosed more information. XXXX XXXX then said that he was like my banking institution and just like I provide them all of my personal protected information I needed to provide it to him. I told him that he was not my banking institution and that when I call the bank, they only ask for XXXX identifiers. He then said that unless I verified all the information he would not assist me and that when he calls his bank he provides them his name, SSN, DOB, address, phone number. I told him that he was not my banking institution, that I was being reported to the credit agencies erroneously and that he needed to provide me with information about the account before I gave him additional information. He said that he did n't care that he was not the bank and he was not helping and hung up the call. I then attempted to call back and I was transferred again and XXXX XXXX hung up on me again. I then called back and informed the receptionist to informed XXXX XXXX that I would be reporting him to the FTC Consumer Financial Protection Bureau and the the state Attorney General office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am understanding the Ombudsman 's office to state to me that Navient is protecting me by only adding capitalized interest ( it does not inform me of or provide advance notice on how to pay to where it is not capitalized onto principle ) from forbearance ( a plan I am then placed on without my consent ) rather than standard repayment ( again, without my permission ) because the database needs to change repayment assignment during processing due to there being too many loans for them to process. I have filed a complaint against Navient for placing outstanding capitalized interest on principle, among other behaviors seemingly intent to cause damages to me. I await contact from a worker for the complaint, and am told ( by Ombudsman ) to continue to try to seek answer/resolution from Navient, who has directly said to me " I can not answer your question '', scheduling a return call for answers to be provided and then not actually making the return call as scheduled, seemingly being allowed to lie to ( and cheat ) me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I went through a loan modification with BOA a few years ago ( XX/XX/XXXX ). My payments were made on time yet BOA held one payment and it is indicated on my credit report negatively for 7 years ( until XX/XX/XXXX ) and affects my credit rating. This should be illegal or a notation should be entered into the credit reporting agencies stating that payments were made timely but one was held by the mortgage company and not a late payment by the individual. I do not feel I should be penalized because of BOA and other mortgage company 's procedures. I would like a notation on my credit report that the " missed/late payment '' was due to BOA holding a payment even though the payment was made on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Debt collection (I do not know) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am making a dispute against  Medical Data  systems in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8  ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request f or VALIDATION  made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to m y credit reports (  XXXX ,  XXXX , and  XXXX   ). This action constitute fraud under both Federal and State Laws.

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