milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The XXXX XXXX XXXX account XXXX has been paid in full and it is still being reported as not being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (Medical) with United Consumers Inc (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After issues a dispute with the insurance company paying a hospital debt, the debt was passed to a debt collector. I contacted the debt collector to clear the amount. The deb collector told me I could either work out a payment plan or I could pay a slightly lower one-time payment to clear the debt. I went with the second option ( total debt was {$1100.00}, I paid {$970.00} ). The representative on the phone told me legally that they could not send me an email or fax detailing either payment option. 

Now, after more than 2 months, I have not gotten a paid in full statement ( which I requested ) and they are coming after me for the full amount. They have not returned letters to their office and refused any written correspondence.

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 06/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Money was not available when promised

Complaint: The transaction of my bank ( Simple by BBVA Compass ) should update to my XXXX account in every payday, which it did n't.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I pulled a copy of my updated credit report and noticed that there are 3 hard inquiries that I never authorized or have no knowledge of. I DEMAND that Experian properly verify these unknown inquiries and provide proof of how these inquiries were verified. If Experian ca n't provide the proper documentation then these inquiries must be REMOVED from my credit report. The inquiries are : XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX about XXXX years ago in 2011. I canceled XXXX I was all paid up and sent back their equipment and that is what they are charging me for. I sent it back and I do n't owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Mortgage (Conventional home mortgage) with ALLY FINANCIAL INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: To The XXXX XXXX XXXX. This content below outlines a complaint in which Ally banks utilization of the HARP2 program resulted in a devalued property, the loss of any equity and making the owner continue paying private mortgage insurance for the majority of the loan duration. 

Background : In XX/XX/XXXX I refinanced my mortgage under the HARP 2 program to shorten the length of the loan lower the interest rate and utilize the streamlined process where less supporting documentation was required Ally bank was the loan service provider during the refinance during the refinance process Owners of the mortgage : o XXXX XXXX/Ally bank : XX/XX/XXXX-XX/XX/XXXX ( loan No : XXXX ). 
Issues : 1 ) During the refinance using the HARP2 program, Ally bank undertook a property evaluation ( an IPV ) without my knowledge in which the property was not physically evaluated and the report was not included in the mortgage documents ( not in my copy and neither in the archived documents kept by XXXX XXXX [ current provider of the mortgage ] ). 
2 ) The refinance went through and only later when I enquired about dropping the PMI the scope of the issue became apparent. This assessment was {$210000.00} as opposed to the original value of {$380000.00} and my refinance had a loan to value ratio of 152 % and thus would be forced to pay PMI for the majority of the loan. Before the refinance my loan to value ratio was 88 % 3 ) I contested the appraisal and XXXX, the current owner of the mortgage investigated and could not find any documents about the appraisal and submitted request to reject the Ally bank appraisal. The review board rejected my request noting that they did in fact have an appraisal and provided me with their information. The information provided me ( see enclosed ) was not an appraisal. It only provided their appraisal figure and noting that it was a single dwelling condominium. 
4 ) I believe that the appraisal ( an IPV ) had some erroneous information leading to an inaccurate valuation. Property tax data lists the property at {$400.00}, XXXX. Further comparable properties within the same complex with the same number of bedrooms, bathrooms and pool have sold between $ 420,000- {$430000.00} ( see enclosed ). Comparable properties within the local vicinity ran from {$330000.00} to {$480000.00} ( see enclosed ).

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 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was under a contract XXXX started using pre paid phones for a lower price for same service I negotatefd with them because of this and also because my service was very poor and I was being charged for thinks I did not use. I told them I was writing the XXXX Attorneys office about this and the changes they made in my contract ( witch i was almost over ) without my knoldege or permission.They told me I would be released from my contract to start using pre pay service, witch I did.because of poor service and my repeaditly complaining about service. I had a spending limit per mont under contract if I went over 30 days not paying my bill my service would have been shut off, so how can they say I owe this amount anyway. My monthly limit was around XXXX. 
They also reported this same amount XXXX to the credit breaures. How can they do this XXXX. I am not writting a letter to the State of XXXX fileing a complaint against the and XXXX see if reporting XXXX to the credit breaurs is leagl, I do n't beleaive it is. I want this off my credit reports right away or I will hire a law firm to handle this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Payday loan) with National Arbitration Forum (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a call on XXXX XXXX, 2015 at XXXX from a Private number on my work cellphone. The caller stated he was a process server who was scedule to serve paper because someone is taking me to court for debit. He gave a the number to National Arbitration ( XXXX ) to call before Monday XXXX/XXXX/15, the he would server my papers. I called the number and was told by the woman who anwsered the phone I took out a payday loan with XXXX XXXX XXXX that I did n't pay back and XXXX XXXX XXXX is now taking me to court to press Fraud and bad check charges. I told her I ca n't pay today so she sent me to er manager. He stated the same charges and that I would be served and taken to court if I did n't pay. I called XXXX XXXX XXXX directly at XXXX and was told my account was sent to XXXX collection agency ( XXXX ) but they are not pressing charges of any kind just seeking repayment. I called XXXX whom said they sold the account to XXXX XXXX collections ( XXXX ). XXXX XXXX confirmed they brought my account and had contracted National Arbitration to collect the debit, but again are not pressing any charges. So I called back national arbitration to let them know I confirmed the original creditor is not pressing charges and what the said is false and illegal. I was transferred to a supervisor named XXXX how looked at the account note to see whom I 'd previously spoken with. He stated he had this same issue with the XXXX reps whom gave false and illegal information before and they would be dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Other

Complaint: there were fraudulent charges on my card. i called up on XX/XX/XXXX to report them them and get a new card sent. i was told i would receive in 1-2 business days. after not receiving the card on thursday i called back. i was told the card was sent via regular mail and they would expedite another. monday, after not receiving the card i called back. they said the card was sent but they didnt have any tracking and they would issue another one. i still have not received my replacement card and i have not received any type of email from citi bank

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 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Last month my acco unt with First Progress wa s frozen due to my mail being returned back to them because the post office placed my mail in the wrong mail box. Because of this my account was frozen and I was unable to make a payment on my account until they resolved issue and unfroze account. Once they unfroze account I made a payment but it was already to late they reported my account late to credit bureaus. I called and spoke to customer service and they told me to write a letter in to correspondence office and they would take care of issue. So I did that but correspondence office says it is not their fault so they will not remove. The issue is not my fault either because FIRST PROGRESS froze my account I couldnt make payment. How is that my fault? They should not have froze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Medical) with Nationwide Recovery Systems, Ltd (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This started XXXX for {$900.00} and is the leftover portion of an emergency medical bill with XXXX XXXX XXXX, XXXX, OK. I immediately started paying $ XXXX/month and increased it to {$54.00} recently to comply with minimum payment requirements. I have NEVER missed a monthly payment and the debt is down to {$480.00} now. No reason for it to ever be turned over to Nationwide Recovery but it was anyway. After I had made payment arrangements they called again to say that I needed to make FUTURE payment arrangements ( auto debit etc. ) or they would continue to call me. Since when is future payments promises a part of it that was not mentioned in the payment arrangements at all. Again, I have paid every month, not one has been missed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX was an account I included in my chapter XXXX bankruptcy that was discharged. On XXXX and XXXX, the trade line is reporting correctly as Included In Bankruptcy and showing a {$0.00} balance. On Equifax , it is still reporting incorrectly as a Charge Off account with a balance of {$210.00}. I submitted a dispute and received results stating that the information is correct and would not be changed even though I included my bankruptcy schedules listing XXXX as being included along with my Certificate of Notice and discharge letter from the court.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo ( WF ) did not submit payment to my hazard insurance company ( from my escrow account ) in time for the payment to be processed before the due date. I found out about it when I received a written notification from the hazard insurance company notifying me that " my policy expired because they did not receive the minimum payment required to continue coverage ''. I had to spend almost XXXX hours on my cellphone talking first WF, then to the hazard insurer, then again to WF to find out what happened. WF told me they remitted payment on XXXX XXXX ( which is what my escrow acct reflected online ) but the hazard insurer sent me proof the payment was not received and processed until XXXX XXXX ( 20 calendar days later ). WF later admitted they normally remit payment 7-10 business days before the due date ( which was XXXX XXXX ) ; however they were unable to explain why they did not remit payment until XXXX XXXX ( only 6 business days before the XXXX XXXX due date ). The hazard insurer also had no knowledge they should have been billing WF directly, rather than me, the borrower. This is something that WF should have informed the insurer of, especially to ensure the correct mortgagee clause is included on the policy. As an educated person in the financial sector, I expect my mortgage lender to accurately and timely remit payments on my behalf when they require an escrow account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Call from ( XXXX ) XXXX representing Am Ex promo cruise. Not a member but pushed 1 to talk o a human. Told her I am on the do not call registry. She hung up on me immediately. Tried texting the number and text was blocked No doubt this is a scam My number is XXXX XXXX XXXX. Happened about an hour ago. Any help resolving this greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I 've never been a day late nor a dollar short on any payment. I got a loan modification without missing ANY payments. Approximately 3 years ago, Wells Fargo reported that I missed XXXX payments. I disputed that via this website and was shocked to receive a call from Wells Fargo apologizing for the error and promising to remove the false derogatory from my credit. They did, but a while later they put it BACK on. I disputed it again, and again they removed it. Now I am refinancing, and they are reporting that I missed XXXX payment 40 months ago. LIES! How do I stop these miscreants from persecuting me this way? I am in mid-refinance, and this derogatory has already cost me {$3000.00} - it may cost me my loan lock at 3.625 % as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with Mobiloans, LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: THIS LOAN IS NOT MINE, I FILED PAPERS WITH MOBILOANS, AND NOW THEY HAVE SENT ME TO COLLECTIONS. THIS HAS CAUSED A NEGATIVE TO M Y CREDIT SCORE  AND I 'M JUST TRYING TO GET THIS HANDLED. APPARENTLY WITH JUST SOME BASIC INFORMATION YOU CAN OBTAIN A LOAN WITH THIS COMPANY WITHOUT VERIFICATION

Company response to consumer: Untimely response
Consumer complaint received 12-10-2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: American Express has turned my debt over to a debt collector in XXXX. This company has called various telephone numbers associated with the account ( including private cell phone numbers and work numbers ), has not identified who they are, but has discussed my debt with those who answer the numbers. They have called me personally claiming to be from American Express and ask for personal information including address, birthdate, and social security number - which I do not give. I have told them I will deal directly with American Express yet my friends, family, and I continue to get phone calls from unknown numbers, representatives who are from XXXX with an XXXX accent, and only identify themselves as being from AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Every time I call Navient, I get a different story and a different answer. I will call and be told that my loans are current and there are no issues, then the next thing I know they are saying that I am past due. I make {$1900.00} per month and most of that goes towards raising my family of XXXX. They say that my lowest monthly payment is around {$300.00} which is too high for me. When I call they give me attitude and never seem to record what was said during the previous call. I have a very hard time even getting ahold of somebody. I am often on hold for 45 min. I called to re enroll in the lower monthly plan and they said they needed my main borrower 's financial information because it had n't been updated since 2014. How is that possible when I have been in rate reduction this year? They make no sense what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX I co-signed for a private student loan for my nephew to complete his college degree. He graduated in the middle of the financial crisis and had difficulty finding a job. Because of the financial crisis my husband lost his job, suffered a myriad of issues and I ended up declaring bankruptcy in XXXX. 

All debtors were duly notified and ALL debts were discharged in bankruptcy except my own personal federal student loans form XXXX school. 

In XXXX I started receiving collection calls from Chase for the loan that I had cosigned for my nephew. I sent them the discharge papers from Bankruptcy and the calls stopped. They then sold out the loan to someone else who not only started the collection efforts against me but against my nephew and reported it on my credit report. I again sent the information to the company and disputed the negative reporting on my credit report. XXXX removed it but not XXXX or XXXX, which caused my score to be weighed down significantly, caused credit declines and continues to report on my report. 

XX/XX/XXXX my nephew paid off the loan. Last year when I tried to purchase a home, part of the issue of decline from various mortgage companies was student loan reporting on my credit as a charge off. I requested a copy of my credit report from XXXX and noticed that it was reporting that I owed CHASE XXXX approx. {$8800.00}. 
I contacted my nephew to get evidence that he paid off the loan from the bank. After much back and forth, they eventually sent him a letter this year. While they had received payment, they kept reporting it on my credit report even though it was discharged already in Bankruptcy in XXXX! And the fact that I had to keep disputing this on my credit report and these morons keep telling me the balances are reporting correctly is exceptionally infuriating. They have cost me in thousands in high interest payments and declines in access to credit!

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was renting an apartment from XXXX over 2 years ago. And am now just seeing I have a XXXX dollar past due bill sent to the collection agency IQ Data int'l. My roommate at the time already paid what was due on the apartment after we moved out. And I am currently trying to track down proof of that transaction.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: This complaint is in regards to not being able to resolve a problem with JP Morgan, CHASE Bank. 

I Believe I was hit with a predatory overdraft fee. I have always been notified as soon as my account gets over drafted so I can make the required deposit in time to avoid any fees. But this time I was notified the next morning at XXXX AM EST, that my account was overdrafted on XX/XX/2016 and not on XX/XX/2016. Looking back at my transaction history, the overdraft fee was caused by a transaction posted to my account on XX/XX/2016 at XXXX XXXX according to a Chase Customer Service Representative. This is an unfair fee because even if I had time, which would only be XXXX minute to make a deposit on the same day to the account it would not count until the next day because according to chase all deposits after XXXX EST, will be taken as a next business day deposit transaction still hitting me a overdraft fee. So why is that the transaction was posted the very last minute, leaving me no choice on getting hit with a overdraft fee. After contacting Chase customer service, I was unable to resolve the issue, causing me to submit a complaint with the CFPB I wanted to resolve this issue directly with Chase, as I have been a customer of theirs for XXXX years, but after this problem and what seems predatory fees, I will be switching financial institutions. In essence, Chase is saying the overdraft transaction happened on XX/XX/2016 at XXXX according to their text I received at that time. After which then looking at the cause of the overdraft, it was for a transaction that went through at XXXX XXXX on XX/XX/2016 If Chase is going to charge customers overdraft fees until XXXX EST, Then I should also be allowed to make deposit that would count sameday into my account until XXXX. This is unfair and predatory.

Company response to consumer: Closed with monetary relief