milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Vehicle loan or lease (Loan) with World Omni Financial Corp. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a XXXX XXXX XXXX financed with XXXX XXXX XXXX. I applied for a two month deferment for the months of XXXX and XXXX XXXX. The deferment was approved for those two months and the payments were added to the end of the loan. However, my credit report was not updated to reflect the deferred payments. XXXX are currently reporting Inaccurate information to XXXX, XXXX and XXXX. They are reporting XXXX and XXXX XXXX as 60 days late. Those two months were approve for deferment. 
I applied again for another two month deferment for the months of XXXX and XXXX XXXX. I was approve for that two month deferment. XXXX XXXX is reporting Inaccurately to XXXX, XXXX and XXXX they are reporting my account 60 days late for XXXX and XXXX XXXX. My credit report XXXX, XXXX and XXXX has not been updated to reflected those months of deferments. I want these 60 days lates removed from all three of my credit reports. My account became current due to the deferments that I was approved for. XXXX and XXXX XXXX XXXX and XXXX XXXX. Inaccurately reporting these months 60 days late and need to be updated as current for the deferment time. Delete this negative reporting from my XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Rewards

Complaint: I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$570.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and stole my rewards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Can't stop charges to bank account

Complaint: Hello my name is XXXX XXXX filing a complaint on a loan company called California Check Cashing on XXXX XXXX, CA. I just had a baby, so I am having a little hard times right now especially with hours being cut at my part time job. So, I decided to get fast money by taking out a pay day loan. My baby boy needed a few things. I was approved for {$200.00}. My loan is due XXXX XXXX, 2015 of {$230.00}. I have been calling since the XXXX trying to get a payment plan like they let me do last year in XXXX, because hours got cut even more because of seasonal hiring. The loan company refuses to allow me to do a payment plan. They told me I can only do it once a year and I did it last year, this is 2015 now. Mind you I pay all my payday loans back on time and I am a regular custimer there and they refuse to work with me. I asked to speak with a manager or supervisor she refused to ransfer the call. Very bad customer service there.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Auto debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX   XXXX  called from an unknown company several times to my place of work. He contacted my employers district office stating I was involved in a legal investigation and he needed my work number. He left me  2  voicemails at work. When I retrieved his messages and after speaking with distinct personnel, I called him back and told him to remove my work number from his database. Additionally, I asked for a company name and fax number and mailing address so I could write to them and inform them to never call my place of employment again and I was mysteriously hung up on 6 times. Finally, he called my cellphone ( this makes  8  calls from him in a span o f 15  minutes  )  and I interrupted and requested an address and or fax number and he refused. I told him I would be filing a complaint with the FTC and Texas Attorney General Office. He said so what I 'm gon na keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted my lender on XXXX XXXX, regarding a hardship I am experiencing in keeping my home. I received phone communications from XXXX XXXX of JPMorgan Chase, Executive Offices. On or about, XXXX XXXX, 2016, XXXX XXXX advised me that there was nothing her office could do to further assist me and that I would receive a letter from her office in the mail stating the same. I received a letter in the mail from JPMorgan Chase 's Executive Office dated XXXX XXXX, 2016 referencing my Deed of Trust and stated that the same was enclosed ; however, upon closer inspection, my Deed of Trust was not enclosed. The Deed of Trust belonging to an entirely different borrower ( a male, from XXXX California 's ) Deed of Trust was enclosed with my documents. I find it inexcusable that Lender, their Executive Office, no less could be so careless and reckless by sending confidential loan information to the wrong persons. It also grieves me to wonder where my information was sent and what information is now floating around about my property and financial situation. I am hereby asking that your office investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit card () with JPMORGAN CHASE & CO. (IA).
Issue: Closing/Cancelling account

Complaint: My complaint is about Chase Card Services keeping my payment and then closing my account when I paid it in full. ( {$820.00} ) I did have payment problems with all of my other creditors due to {$3000.00} in medical bills and I am already on XXXX. I got a Hardship withdrawal from my pension to try to pay back some creditors. I had XXXX accounts with Chase that I opened 18 months ago and have never been late with them. Everyday when you sign in, they say something like, " you can combine your XXXX Chase accounts to utilize your credit limits in the way that is most convenient for you. '' Well, after getting my pension money, I set out to pay off the smaller of my XXXX Chase Cards and hoped to pay off some medical bills with the, " new combined credit limit. '' I kept getting transferred around and then they pulled my credit report and saw that I was late with my other bills. I tried to explain, but they said it was, " within their rights to close my account even if I 'd never been late with them. '' They did so taking the {$820.00} I so desperately needed. Since I had made this payment by my bank 's bill pay, I sought their assistance to get {$750.00} of the money back. Chase said they would only give me my money back if I, " sent them a voided check, '' since my bank used a third party vendor to do Bill pay. I told them I did not want to send a voided check over the internet, so I had a lengthy conference call with the Chase rep and my bank on the line. After 3-4 transfers, a " supervisor, '' agreed to refund {$750.00} directly into my bill pay account if they would fax the proof of payment directly to them. My bank faxed the form that day. Seven days later there has been no action in my account and when I contact them today, they inform me they are sending the check by mail, but I will have to wait another 5 days for them to mail it! This has been going on since XXXX/XXXX/2016! I do n't think I will ever get my money back and If I do, I 'll have to go directly to a Bankruptcy attorney because the time to " make a deal '' with my creditors has now passed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Credit card) with Allied Interstate LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Allied Interstate collection agency in Ohio called about what they said is a debt I owe. I have no credit card collections or debts. They tried to tell me it was a debt from many years ago. This is n't my debt, if it were, that seems like unfair tactics to reopen a debt when a debtor has passed the statute of limitations on collection. By allowing creditors to continue to call and try to trick consumers into acknowledging a debt the law is not holding it 's promise as to being fair and having an actual statute of limitations. The Allied Interstate company contact me trying to get me to acknowledge a debt, which is clearly not owed by me, and is not my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (AZ).
Issue: Account opening, closing, or management

Complaint: I was denied a small business checking account because I have " fraudulent activities '' on my Chexsystems report. I have no fraud, no bounced checks, no NSF charges, and no late payments. This is hampering my ability to do business and it 's unwarranted. The number that they have listed on their joke of a website just tells you to file a report. Once I finally googled a phone number that let me talk to someone, they were outrageously rude, even swearing at me and hanging up on me twice. They did n't let me speak to management, and said " good luck with your problem, we ca n't help you. '' How is this place allowed to do business? It is an embarrassment for the country to have a " consumer reporting agency '' to be doing business like this. It is costing XXXX people the chance to open bank accounts. Their " dispute '' process is equally embarrassing. If you end up on their list, you 're pretty much XXXX, whether it 's your fault or not.

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 03-10-2017 about Debt collection (Medical) with First Federal Credit Control (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is the first I hear of this agency trying to collect debt from me. I have no idea who they are nor how to contact them. I have always had insurance to cover my medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Mortgage (VA mortgage) with NVR INC. (VA).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX : Signed contract with builder XXXX XXXX to build new house in XXXX, VA. Paid {$5000.00} earnest money deposit at this time to begin process. XX/XX/XXXX : Spoke with NVR Mortgage, who is XXXX XXXX 's lender, to start pre-approval process for VA home loan based on military XXXX pay. XX/XX/XXXX : Met with XXXX XXXX of NVR Mortgage to sign documents to start the pre-approval loan process. XX/XX/XXXX : Received job offer from XXXX XXXX XXXX XXXX due to XXXX from XXXX XXXX on XX/XX/XXXX. This job results in over {$30000.00} pay cut. Previously not aware this high of a pay loss was going to occur during transition from XXXX XXXX military to the civilian sector as a XXXX XXXX, XXXX. XX/XX/XXXX : Accepted job offer with XXXX XXXX XXXX XXXX to start XX/XX/XXXX. Gave notice to XXXX XXXX, XXXX XXXX, stating I am receiving pay cut from {$97000.00} to {$60000.00} and do n't believe I can afford a home of this XXXX come time to close on house XX/XX/XXXX. I do not believe I will be approved for a home loan with this yearly income. I plan on joining the XXXX XXXX XXXX XXXX, however, do not have orders stating this will occur as of yet. XX/XX/XXXX : Spoke with XXXX XXXX XXXX, XXXX XXXX, regarding loan approval. Lender stated unlikely approval would occur with projected yearly income. XX/XX/XXXX : XXXX XXXX, sales representative with XXXX XXXX, stated I had to submit a letter of reason stating why I wanted to end the contract with XXXX XXXX and submit a letter of " termination '' from my employer in order to receive the earnest money deposit back and cancel the contract. I submitted this statement of reason to XXXX XXXX as well as my XXXX stating end of XXXX XXXX service with the United States XXXX on XX/XX/XXXX XX/XX/XXXX : Received a notice of Default of the Purchase Agreement from XXXX XXXX, XXXX XXXX, stating I 'defaulted ' on the contract and would not receive my earnest money deposit back of {$5000.00}. XX/XX/XXXX : Submitted statement to XXXX XXXX, XXXX XXXX, serving notice I do not agree nor accept the terms and conditions of this termination letter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (ID).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I noticed my balance had not been reflected correctly on my XXXX report in regards to my Wells Fargo Dealer Services loan. The balance was reported on XX/XX/XXXX as {$8200.00} which was my previous balance in XXXX, not the current balance which was supposed to be reported for XXXX. My balance as of XX/XX/XXXX ( XX/XX/XXXX days prior to my payment due date ) was {$8100.00}. I called WFDS customer service to inquire as to why it had not been updated as I thought it was not updated at all. She told me that they had already submitted it, then I realized after speaking with a XXXX rep that they are reporting the balance incorrectly, but WFDS will not make any changes. They are very stubborn about this situation.

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 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax data breach really sucks and all my ssncredit card driver license was leaked and using now by other people they leak my info

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I recently contacted Navient Customer Service on  XXXX   XXXX ,  XXXX  to discuss payment plan options with a customer service agent. I have been paying my  XXXX   XXXX  student loans for 7 years, some of which are serviced by Navient. I have to call once per year to go through a financial statement to assess what my monthly payment will be for the year. In  XXXX  I was provided great assistance by  one  Customer Service agent. She managed to place me in a program for 15 months with an affordable monthly payment and a reduced interest rate. I made the payment every month on time by automatic debit from my checking account with no issues. I had called on  XXXX   XXXX ,  XXXX  to see if I could continue such program, or perhaps get into a different program with similar benefits. I reached a customer service agent who was rude from the outset. It was clear she was not interested in helping me. We started going through my financial statement, and I was candidly answering the questions. When I answered her question as to how much my monthly grocery bill is, she did not like the answer as she believed that it was " too much ''. She asked " is anyone on a special diet ''. In all the years I have been dealing with Navient, I have never been asked the type of personal and inappropriate questions this agent asked of me. She told me she needed to put me on hold so she could research my options. She kept me holding for ove r 20 minutes, then disconnected the call. I called back to reac h the same agent, I was told I was being put through to her. She put me back on hold, and then must have ended the call without even addressing me, because the customer service agent satisfaction recording came on ( which is only played once the call is complete ). On  XXXX   XXXX ,  XXXX , I began receiving email notifications that there were new  Navient Loan Documents available for my review. The customer servi ce agent had clearly been processing unauthorized requests on my behalf without my request or approval because I have documents denying me certain programs ( that I have never applied for ). This customer service agent was clearly trying to harm me and financial state. She asked where I work, which is informatio n Navient has always been privy to. For the first time ever, Navient  is contacting my office without my approval. This kind of behavior, harassment, and unprofessional customer service should not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: unfortunately due to family circumstances ( tragedy, emotional XXXX ) I inadvertently forgot to cancel auto renew with XXXX on an XXXX XXXX card - XXXX refused to even consider a proration and XXXX XXXX via XXXX will no longer assist former XXXX customers amount in dispute {$170.00} - advise CFPB to demand XXXX cease and desist

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 11/19/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I have called nationstar mortgage several times spent several hours on the phone meet all the requirements to have them remove my PMI they wo n't mail me the proper documents they wo n't respond to my emails I have sent them ever thing they ask for but that XXXX document that they wo n't send me l paid over 28 % of my loan and my house has appraised for XXXX original loan was for XXXX I owe XXXX I need help since they keep making excuses

Company response to consumer: Closed
Consumer complaint received 08-04-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Entity describing itself as CONVERGENT OUTSOURCING : Daily -- and some days twice daily -- computer calls to my telephone leaving a message that I owe a debt and asking that I call. When I call, I am put on hold or given excuses -- THEY HAVE NEVER IDENTIFIED THE DEBT THAT THEY ARE TRYING TO COLLECT. To my knowledge, I owe no debt. My credit rating is superb and I have not received any type of written notice regarding any debt. I have been at my current address for more than 12 years -- thus, if any debt exists, a written notice should have arrived. None has.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Loancare and the immediately increased my payment to {$1500.00}. My previous payments were {$760.00}, with XXXX XXXX XXXX, who sold my loan to Loancare, LLC of XXXX. I had filed a complaint with the XXXX office. The terms of my loan have been completely changed. I 'm now being billed at the rate of XXXX. My interest payments are higher and my principle payments are lower. loancare has illegally rewritten the terms of my mortgage. Please review my case and inform me of any pending class action suits against Loancare. 
sincerely, 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 01/31/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My home loan was with XXXX, then XX/XX/2016 sold to Caliber Home Loans, then yesterday I received mail that it was sold to XXXX. I am so confused and feeling a little uneasy. I never authorized any of this and afraid of identity theft, forced foreclosures, and scams. I am not trying to sell or foreclose on my home. I need to under what is going on. Everything I have XXXX states to be cautious. It is hard for me to get a " Live '' rep on the phone with Caliber Home Loans and talk during work hours. I am frustrated and need to know how to secure my mortgage with 1 legitimate lender to avoid this situation. I would also like to know if there are any class action litigations going on concerning any of these entities for these types of business transactions involving home owners. I feel that they are trying to take our homes. Please give me some advice in the simplest of terms. I greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN).
Issue: Fraud or scam

Complaint: MONEYGRAM FAILED TO SIGN US UP FOR ALL VICTIMS FUND FOR FRAUDULENT MONEY ORDER AND SCAM TRANSFERS TOTALING {$100.00}, XXXX IN REFUND REQUESTED. 

SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I supposedly have two files with equifax as per equifax representative. 
The equifax is reporting my charge offs and negative information on my credit and have removed every positive account that was being reported. 
I would like Equifax to update the info and have my current and correct account showing on my credit file. 
Currently equifax is showing XXXX XXXX CHARGED OFF BALANCE {$3900.00} ) XXXX XXXX XXXX CHARGED OFF BALANCE {$3400.00} ) ( XXXX XXXX XXXX CHARGED OFF BALANCE {$1900.00} ) ( XXXX XXXX XXXX BALANCE {$1100.00} ) ( XXXX XXXX XXXX XXXX BALANCE {$100.00} ) These accounts are not mine and were written off as ID theft.

Company response to consumer: Closed with non-monetary relief