milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2018 about Debt collection (Federal student loan debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a student loan that was sent to a debt collection called TransUnion. I have never received mail from this company stating that my debt was forwarded to them. I had to find out through XXXX XXXX. I have never received a call from this company about my debt. I have tried to get a hold of TransUnion for several months since then, but no one ever answers my calls. I have even left voicemails with a phone number to reach me at, still no replies or calls back. On XX/XX/XXXX, I filed a dispute through XXXX XXXX. The dispute was submitted to TransUnion that same day and was under investigation the day after. TransUnion received my request on XX/XX/XXXX. The company had 30 days from then to respond. Today is XX/XX/XXXX but the dispute status still says " under investigation ''. I have not received a response by phone or by mail.

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: In lat e  XX/XX/XXXX  ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they we re doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but because of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by 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 06/23/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: Issue # 1- JP Morgan Chase Bank filed a claims without my authorization, although on phone call, I clearly and repeatedly stated that I did not want a claim filed. This cause my XXXX bill to go unpaid and my account to be in suspension. When asked to send a letter to the merchant to exhort me and state that it was a bank error, they categorically declined my request by saying it is not bank protocol to send out letters to merchant of any sorts. 

Issue # 2- Same Chase Bank erroneously sent my water bill payment to my address. I called them to notify them of the error and they could not pinpoint how such error came about and suggested to put a stop payment on the check although the check was in my possession. I informed the representative with whom I was on the phone that I would report to the bank in the morning to return the check and get the funds back on my account. Upon my arrival, the director informed me that no such thing could be done because of the stop payment placed on the check. I had to wait 5 days for the process to take place before funds can reflect back on my account. Again, their action placed my water payment in delinquency status. Chase Bank, again failed to take action for their wrong doing and refused to honor me with a letter explaining the error committed by the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been making current payments on this account for over 2 years and the balence is now much lower, would like this account updated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Delinquent account

Complaint: I have been told I have a Chase credit card. However I have never applied nor received one. I have been called and told it is hands of collection company and is showing on my credit as bad. How can I remove it? I have tried talking to chase and the collection company with no respect.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Mortgage (VA mortgage) with MidAmerica Mortgage Inc (TX).
Issue: Trouble during payment process

Complaint: This complaint is against Mid America, C/O XXXX XXXX for 8 different RESPA violations under 12 CFR 1024.36c, 1024.36 ( 2 ), ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) for failure to respond to Qualified Written Request and Notice of Error Mid America Mortgage, C/O XXXX XXXX. Is the Mortgage holder as well as the Mortgage servicer.

In XX/XX/XXXX I noticed that the Mortgage company was not reporting our payments to the credit bureau.

I have made several Qualified Written Requests in accordance with 12 CFR 1024.36a to Mid America Mortgage , C/O XXXX XXXX. , requesting notes from our service file about the handling of our reaffirmation agreement.

XX/XX/XXXX Email to XXXX. XXXX  failed to respond within the 5 and 30 business days requirement, Violating 1024.36c, 1024.36 ( 2 ) ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Qualified Written Request sent certified return receipt. XXXX failed to respond within the 5 and 30 business days requirement under. Violating 1024.36c, 1024.36 ( 2 ) ( b ), 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Notice of Error sent certified return receipt. XXXX   failed to respond within the 5 and 30 business days requirement, violating 1024.36c, 1024.36 ( 2 ) ( b ), 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXXSecond Request for information ( QWR ) sent certified return receipt. XXXX  failed to respond within the 5 business days requirement, violating 1024.36c. 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Second notice of error sent certified return receipt. XXXX failed to respond within the 5 business days requirement, violating 1024.36c. 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) This is a total of 8 different RESPA violations.

Under 12 U.S.C. 2605 [ f ] [ 1 ], 2605 [ f ] [ 3 ].

Since the servicer failed to take one of the required actions within the time limit, under RESPA, as borrowers, we may recover : any actual damages suffered by the borrower, if there is a pattern or practice of servicer noncompliance, additional damages not to exceed {$2000.00}, and attorneys fees and costs.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Other fee

Complaint: I paid off the entire balance of my Capital One Visa Credit Card. Capital One continued to charge me fees on a {$0.00} balance account. When I realized this, I tried to cancel the account. Capital One does not have any easily identifiable way to cancel their accounts listed on their website. It took longer to shut down my credit card account than it did to open it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Late fee

Complaint: WE HAVE SEVERAL ACCOUNT WITH THIS COMPANY WE HAD A FAMILY EMERGENCY MY DAD PAST AWAY I CALLED EVERY ONE OF THERE CARDS AND TOLD THEM THAT WE WILL BE OUT OF WORK AND OVER SEAS AND WAS PROMISED NO LATE FEES WILL BE ASSESSED BUT THEY DID AND REPORTED ME TO CREDIT BUREAU AS LATE WHICH RUINED MY CREDIT SINCE THEY HAVE MOST OF MY ACCOUNTS

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 10/31/2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: ABILITY RECOVERY SERVICE PO BOX XXXX XXXX, PA XXXX ( XXXX ) XXXX REPEATED HARASSMENT. HAVE WRONG PERSON. I LIVE IN XXXX. NEVER WENT TO XXXX XXXX HOSPITAL IN XXXX. NOW SHOWS ON CREDIT XXXX. I NEVER ADMITTED TO OWING ANYTHING. I TOLD THEM I THINK YOU HAVE WRONG PERSON. 

SHE LIED SAID I CALLED THEM. IF I CALLED THEM IT WAS TO FIND OUT WHO CALLED ME AND CALLED THEM BACK. IF IT WAS COLLECTIONS. I WOULD HAVE NOT SPOKE WITH ANYONE. 

THEY THREATENED TO RUIN MY CREDIT AND CALLED ME BEFORE XXXX ON XXXX. HAPPY XXXX TO ME AND MY FAMILY. 

XXXX/XXXX/XXXX - XXXX received threatening call that I owe money and I have to pay XXXX $ today. If not I am going to ruin my credit is what they told me. I told them I think you are mistaken me for someone else. I have always had insurance. 

They said back in XXXX I had been to ER at XXXX XXXX XXXX. I do not remember this. Never got anything in mail. I live in XXXX in XXXX. 

They said I called them and now it is showing on credit report they reinstated it XXXX. 

I keep getting harassing calls. XXXX is the number. Shows them calling me right before XXXX XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Previously complained and the bureaus fixed all the accounts, but now two accounts are showing disputed again as of XXXX/XXXX/2017 on all three bureaus.
-Previous complaint XXXX about XXXX .
-Previous complaint XXXX about EXPERIAN .
-Previous complaint XXXX about XXXX XXXX XXXX .
They are now showing XXXX XXXX XXXX as disputed when I have repeatedly, and even the CFPB has now, advised them these two accounts are not disputed. This keeps holding up my mortgage reviews because I ca n't have disputes shows.
The accounts were updated correctly before, but now these two show disputed AGAIN when I have advised numerous times I am not disputing any accounts.
Please help.

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 10/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a complaint against PNC Mortgage in XXXX or XXXX against the process thy use to process they use for providing a mortgage modification, During that time I provided them I provided tyhem with all the requirements for a HARP mortgage modification based on the fact that I had retired in XXXX of this year and my wife lost her job in XXXX also. They changed the dates required for responding to my complaints and moved forward with a foreclosue date. The date was cancelled and changed a couple of times because they were not being honest with my wife and I. I no longer trusted PNC and decided to perform a short. My real estate agent XXXX XXXX, XXXX received permission to enter the process as my spokesperson with PNC in order to carry out the short sale. To my knowledge he received permission from PNC to perform the short sale and begfin getting the property ready in XXXX, he immediately received a offer in the amount of {$450000.00} for the property which is more than fair considering the property is under water. Recently PNC informed XXXX XXXX that they were not going to accept the dshort sale because we had not provided XXXX documents, Profits and loss statements for my wife ( which they do have, and tax documents for XXXX and XXXX, they have XXXX, and we werer given permission by the IRS to filer our XXXX taxes late, They also stated thzat we failed to meet the 38 day requirement for sending them documents that they in fact already had. According to many real estate agents the 38 day requirement does not exist The fact that they gave my agent above permission to sale is the only requirement I needed to move forward. We have done everything requested of us during this two year process and PNC has not been honest with us, they change contact staff for me constantly and I am unable to make contact with that person and therefore I am constantly speaking with someone different each time I attempt to contact PNC. They constanly start the process over requesting the same package and documents that I have already faxed to them.You currently have a complaint on record filed against PNC with recommendations from Senators XXXX XXXX, and XXXX XXXX informing me that should file a complaint with your agency and now I mus t file again because they are foreclosing on my property on XXXX XXXX, and I feel that they have no right to carry out this un fair procedure, We need help immediately.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: It is with great desperation that I ask my file be review. I have received notice from Ditech servicing co. that my property will be sold XXXX/XXXX/XXXX. I have applied for a loan modification due to the fact that I lost my job with XXXX after 24 years.. I have collected unemployment and have not found a job as of yet. My struggle began about XXXX XXXX when a package was offered to me. While I did received a separation package with extended health benefits having to support a family of XXXX and a sick wife. I must tell you that I have depleted it and have began to use credit cards. My cash reserve including all liquid assets has been completely spent trying to hold on to the house, living expenses etc. I have now began to use my son 's savings account. 
Your assistance in this matter is greatly appreciated. I want to maintain my home. I have XXXX children. This is my only shelter. I am sure I will soon hope to have a job. Please help me keep my home. I was told that Ditech can help me through the " UP '' program This is a hard fall.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: It is that time for my daily complaint against Equifax. They are going past 90 days on the investigation and still can not get their information right. Equifax should no longer be allowed to be in the business of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Closing/Cancelling account

Complaint: I made an online purchase XX/XX/XXXX and XX/XX/XXXX with my Macy 's American Express Card. I had been enrolled in auto pay so I thought nothing of this when I did not receive a statement for the purchases, believing they had been automatically deducted from my checking account. I received a call from a credit agency on XX/XX/XXXX linked to Macy 's. I called Macy 's directly and was informed that I had been charged numerous late fees. They are claiming that I was NOT enrolled in auto pay and that I had signed up for e-statements so no paper statement was sent. After settling this matter with them and coming to an agreement on the amount owed and paying the balance owed in full, I immediately made sure I was enrolled in autopay to avoid future problems. I have come to find out they negatively reported ( account closed for non-payment ) to the XXXX major credit bureaus. This has dropped my credit score from XXXX to XXXX. Not only that but after settling this with them they sent me a PAPER notification in the mail on XX/XX/XXXX and XX/XX/XXXX stating they would still be taking the original {$250.00} balance from my autopay. 
This is deceptive. For nearly six ( 6 ) months, they did not send me ANY notice in the mail about needing payment. They did not call me directly when they clearly had my phone number and address on file. They unfairly charged me off and reported me without notice, and did so BEFORE sending to collections and being given an opportunity to correct the situation. If they can send a paper notice for a payment they can certainly try to reach me for payment before charging me exorbitant fees and effecting my credit rating. 
Also, after settling this debt with them and my account had a XXXX balance they charged me ANOTHER late fee on XX/XX/XXXX and an interest fee on XX/XX/XXXX which were deducted from my autopay. When I called back they agreed to return XXXX {$19.00} late fees and the interest fee. They said the only thing they can do is put a credit on the account. THE ACCOUNT THEY CLOSED AND REPORTED NEGATIVELY. How am I supposed to get the money back from a CLOSED account??? 
Their practices are abusive toward consumers. They made no effort to contact me before negatively impacting my life. To this date I have never received paper, electronic, or telephone notification that my account would be closed and negatively reported. I only discovered this after checking my own credit report. Also, none of the customer service representatives that I spoke to ever mentioned that my account was closed. 
I take great steps to maintain an excellent credit rating, and find it unfair and deceptive that they would wait nearly six months to be contacted by collections, and do so after already closing my account and notifying the credit bureaus without advising me.

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 05-12-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WV).
Issue: Managing the loan or lease

Complaint: We started a car loan with Santander back in XXXX for a truck in the amount of {$16000.00} for 72 months. It is now XXXX and our current balance is {$8900.00} and even after talking to several customer service reps from other countries and managers I still do not understand why. I do admit that we have been late on some of our payments, asked for XXXX extensions, and had six months of agreed partial payments but this remaining balance does not add up. XXXX of the representatives noted that we had made XXXX payments of XXXX and that part of the payments we going to interest and part was going to principle depending on the number of days between payments ( interest is {$5.00} a day ) and in old math if we made a payment every 30 days and you multiplied by {$5.00} of interest by XXXX the amount is {$160.00} which would be the interest deducted from my payment of {$410.00}. I looked at my account and saw absurd amounts of late fees and interest charges that were deducted from my monthly payments. I also noticed that for the entire XXXX of payments ( XX/XX/XXXX ) none of my payments were being added to principle but all were going towards interest. I was also told that my interest was 21.99 % on my contract which I know was 11 % when we signed the contract. The representative stated that we have made XXXX payments of {$410.00} and that our contract would have matured this years XXXX but, due to extensions ( only XXXX ) and six months of partial payments of {$250.00} that our balance is currently {$8900.00}, something is not right. If we have made XXXX payments of {$410.00} which equals {$27000.00} and if you deduct interest of {$160.00} multiplied by XXXX payments that comes out to XXXX. The payment amount of $ XXXXXXXXsubtracted by the interest of XXXX leaves a payment of XXXX. The contract was started with a balance of XXXX so, how do we owe a balance of {$8.00}. We should have a credit of XXXX and if you add in the 6 months of extensions and XXXX partial payments that comes to {$3400.00} and then deduct the {$250.00} which leaves a balance of {$3100.00} which makes sense. This company has been falsifying records by changing documents, charging outlandish interest charges and late fees and justifying their erroneous practices with predatory contracts on hard working families. Companies such as these need to be investigated thoroughly and blocked from targeting people with credit issues or are trying to establish credit. We have been paying on this truck for nearly 7 years and according to Santander still owe more than half the original balance. There is no bank or auto loan company that I have ever had or know that has used such unethical practices as Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio continues to report a balance to my credit report ( see attached ) for a credit card debt that was settled in full in XXXX XXXX ; I have disputed this both with the credit reporting agencies and directly with Portfolio ( see attached ) with no response and no action to correct this violation of the Fair Credit Reporting Act ; further, per FTC Opinion Letter ( FTC-Cass Staff Opinion Letter, XXXX XXXX, XXXX, " ... we believe that reporting a charged-off debt to a consumer reporting agency ... constitutes " collection activity '' on the part of the collector ... '' ), the reporting of this balance is a collection activity for an account which has been paid which is a violation of the Fair Debt Collection Practices Act and other federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Struggling to pay mortgage

Complaint: I just got a letter from a company called  XXXX  that my house has been scheduled to be auctioned o n  XX/XX/XXXX . I have  been fighting this auctioning of my house with  Nationstar for many years now. Nationstar want to foreclose on my house instead of modifying my HAMP Loan Modification to a  more affordable mortgage monthly payment. I applied for this modification in  XXXX . I told the servicer to modify the loan but they have been giving me the runaround and playing hardball with me. They asked for the same documents over and over again since   XXXX   which were never used to modify the loan. Not only do they botched my loan modification, they refused to modify. They never made any conscientious effort to modify the loan. Their goal is always to foreclose. At this time I believe that they can not foreclose because of the foreclosure statue of limitation. They have been trying to foreclose on this house for the pas t 6 years. I  believe the statue of limitation has ran out. Attached is the foreclosure letter I received from a third party.

Company response to consumer: Closed with explanation