milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to get debt collection notices from XXXX , XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I informed them repeatedly that they got the wrong person. Pursuant to my rights under federal debt collection laws, I requested in a certified letter that XXXX , XXXX cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' They received letter on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received another letter from them asking for monies. I want them to cease and decease letters and phone calls to my residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Customer service / Customer relations

Complaint: The customer service number for HSBC personal credit cards is not reachable. I can not cancel the card if lost or stolen, nor can I reach any person to discuss my account. When I called the business line, the representative I spoke with tried reaching the personal credit card customer service number ( XXXX ) XXXX, and she informed me that she could not get through either. This is not the first time I have not been able to reach HSBC. Supposedly, their hours at XXXX - XXXX ET. There have been multiple instances I had been " transferred '' and hung-up on. Their phone system is absolutely deplorable. This is not how a company operating in the US should be conducting business. Please help, I have multiple issues I need to get resolved but am unable to reach anyone at HSBC who can help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I opened B of A credit card and within a month I got unauthorized charges. My replacement card that was overnighted to me on XXXX was showing as received at my XXXX XXXX address. However, was never received by me at my address. Apparently it was activated from a phone other than mine using my security questions. Which means it had to be activated by a B of A employee. Within a day there 's been almost a thousand dollars of unauthorized charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Mortgage) with Ditech Financial LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Green tree is attempting to reage a debt older than 7 years and has posted this debt to my credit report without a notice to dispute the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with LDF Holdings, LLC (WA).
Issue: Charged fees or interest you didn't expect

Complaint: 701 % APR interest charged on a {$1200.00} loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: All my derogatory marks were off my credit report one day i answered the phone it was a debt collector has to be over 2 1/2 years ago. It probably was an XXXX visit. well all of sudden it 's back on my credit report XXXX derogatory marks and they say the date was XXXX 2016. I do n't have any new debts in over 2 1/2 years. what should I do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (MO).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am having a lot of trouble with Sallie Mae. I called them three months ago for forbarence and they said it was not an option for me. I have all my public loans consolidated through the government and all my private loans through Sallie Mae. I am on Income based repayment for my public loans and I can barely make that payment let alone XXXX payments. I have been told that it is impossible for me to consolidate my public and Private loans through the government so I can have XXXX Income based repayment. If I had XXXX income based repayment, it might be possible for me to live, save money, and try to build my career, let alone buying a house. My credit is in Shambles and now Sallie Mae is going after my parents who are on the verge of retirement. I do not know what to do since I can not have these loans discharged in Bankruptcy. I have not been able to pay either public or private student loans in about 4 months. HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Wanted to add more info reguarding my complaint on EXPERIAN REPORTING AGENCY HERE IS COPYS OF ALL MY CERTIFIED MAIL RECEIPT THAT I HAVE SENT THEM ASKING FOR THE FCRA SECTION 609 INFO AND AS YOU CAN SEE THEY HAVE FAIL TO COMPLY..

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 08/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: *Since XXXX, I am still " fighting '' with Nationstar regarding this mortgage ; they will not comply to the financial security standards as binding by Frank & Dodd Law . After fighting with them for two years when I overcame an illegal foreclosure in XXXX XXXX for filing a CFPB claim ; forging modifications documents ; I ward off another illegal modification and became current, and STILL NATIONSTAR IS CLAIMING MORTGAGE IN THE REAR! 

I had to pay {$6200.00} by XXXX/XXXX/XXXX to be reinstated ; it will not include the XXXX mortgage. An electronic transfer was submitted in the amount of {$6000.00} with a promise for the balance of the {$250.00} to be paid within 90-days. I have attached the payments for XXXX, XXXX, XXXX, XXXX, and XXXX. I have also attached Nationstar website claiming I owe them for XXXX. 

I have forwarded through their webpage multiple inquiries ... .with no response other than to call them. I want a written response no verbal. 

I have forwarded a separate electronic email transmission via worksite with receipt confirmation ... ..still no response other than to call them. I want a written response, no verbal. 

I have submitted a copy of the bank check for XXXX XXXX, and the XXXX other electronic payment processing documents for their validation, but they have not reconcile with the reinstatement documents with the amount {$5100.00}, which would leave my account current up to XXXX XXXX. 


These are harassment tactics that consumer should not have to endure because Nationstar bought her contract ... ..I DID NOT SEEK OUT NATIONSTAR. I DID NOT CHOOSE THEM AS MY LENDER. THEY WERE FORCED ON ME. Now, that the property is still underwater I can not refinance this property, but I will when the opportunity arise! Until that time, GOVERNMENT REGULATOR GET THIS DOGS OFF ME.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ). As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month ( XXXX, XXXX and XXXX of XXXX ) trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XX/XX/XXXX toXX/XX/XXXXbut they also reported as late, the trial period payments ( XXXX, XXXX and XXXX XXXX ) even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX XXXX XXXX retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 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: hippa cra violation never late and showing inquires that are not mine sent police report enclosed are hippa and cra violation XXXX included with showing a late everything i sent to everyone equifax breach has cost me my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX # XXXX {$600.00} No contract with creditor you have already had this removed and it reapperared as same account under new name. 
Unauthorized inquiry XXXX XXXX V/S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX  Calvary Portfolio Services    XXXX   XXXX     XXXX   XXXX , AZ  XXXX  Acct Dear CFPB  I a m writing this letter to file complaint against  Calvary Porfolio Services,  They have made wrong report to my credit report. My original credit is  XXXX   XXXX  account  XXXX . I was behind on payment since  XXXX   XXXX . As of credit report on  XXXX / XXXX / XXXX . It was charged off and Calvary Portfolio recently contacted me and told me that I owed the amount of {$3500.00}. I have attached my credit report in  XXXX  and currently for your review.   In addition, they have told me that they will lien the debt that I owed to my wife house which I dont have name on it. They keep harassing me by calling me and said that.   There is two reason that I want to dispute which is first, they reported wrong to my credit report without disclosed where the original creditor and debt from with validate amount. They never sent me any letter to validate the debt and I dont receive that. Second, they can not call me by harassing that putting the lien in my wife house which I dont have name on it.   It is my personal debt and issues and I dont want they involve it to my family member. I urge that they need to remove it from my credit report since the debt original have passed statute of limitation and they have been harassed me for itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: I received an email on XXXX/XXXX/2015 saying Chase bank experienced some potential fraud and as a precaution they were sending me a new card. While waiting for the new card I continued using my old one. On XXXX/XXXX/2015 I went to withdraw money from the ATM to pay my rent and the ATM prompted me to call the bank in which I did. I was advised that the card had been deactivated and I should have already received my new card. The agent I was speaking to verified my address and advised me to check my mail box. XXXX which I do regularly ) After checking my mailbox and not finding the card there I rushed back to the bank and had a teller withdraw {$400.00} from my account. I then went home and called the bank again and advised the situation this agent then asked me to verify my address also and said the wrong address was on file. I advised the agent my address should have been the same address I have had on my account for the past 2 years. I also advised I just spoke with an agent earlier who confirmed my address through verification. The agent then updated my address and advised he would " rush deliver '' my card to me which would take 48 hours. It is now XXXX/XXXX/2015 and I have not received anything. I work Monday through Friday XXXX to XXXX. I rarely have time during the week to make it into a branch to withdraw money. I have 4 checks I need to deposit into my account but b\c of this inconvenience have not b\c I do n't have ATM access and have been forced to deposit them into my girlfriends checking account. 65 % of my paycheck is deposited into this account so needless to say this ordeal has been one of the worse inconveniences I have dealt with from ANY bank. I get paid Friday XXXX/XXXX/2015 and will have to go out of my way to go into a branch to withdraw majority of my money to keep from going back. I am a man with small patience and closed my XXXX XXXX XXXX account for inconveniences as such and although I may not be valued as a customer here I am sure another bank will value me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OH).
Issue: Making/receiving payments, sending money

Complaint: Complainant is a partner in a small Ohio-based business, XXXX XXXX, XXXX. My federal XXXX is XXXX. I am filing a CFPB complaint because in setting up ( credit card ) merchant services via their wholly-owned XXXX entity, Chase Bank is improperly attempting to mingle my personal credit information and creditworthiness with a business endeavor that has no relationship with, nor is dependent upon in any manner, my personal credit history and personal information. XXXX XXXX, XXXX has a 14 year unblemished history of business and financial performance, and as a corporation stands on its own, and is legally considered a " person ''. Their attempted co-mingling of disparate attributes will damage my personal credit score, and are discriminatory against small businesses owing to the prima-facie truth that Chase Bank provision of identical services to XXXX XXXX companies would never include provision of a " date of birth '' and " social security number '' to support running a personal credit report/score. The practice of requiring personal DOB and SSN for provision of small business merchant services is discriminatory against a properly formulated business, represents an unnecessary burden not applied to large entities, and is particularly galling because in the specific case merchant services, contorts the entire process SINCE THE DIRECTION OF MONEY FLOW IS FROM THE BANK ( XXXX ) TO THE SMALL BUSINESS. Given this money flow reality, conducting a personal credit check is not only discriminatory and abusive, but fraudulent, since there is no provision of credit arising from performance of the credit review, notwithstanding the rare circumstance of a charge-back, which for the undersigned complainant has never occurred in 14 years of accepting credit cards. The postulated charge-back scenario is tenuous, since Chase Bank themselves have handled the business banking services for XXXX XXXX, XXXX for approximately 10 years. Furthermore, if charge-backs are the basis for concern, the examination of capacity to reverse fund charge-backs still remains with the legal entity, since it is the business account from which charge-back funding must be captured. In closing, this complaint is a " Consumer Financial Protection '' issue on behalf of all similarly situated small businesses and their Principals owing to the discriminatory practice of requiring an onerous and frivolous " credit check '', which imparts an additional burden as well as a tangible negative factor on the Principals credit history and score. In the event that the CFPB deems that this complaint more appropriately belongs with another agency or within another forum, the CFPB 's assistance in re-routing this complaint is appreciated in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: An application was submitted to remove the co-borrower and the financial institution sent a denial reason that is n't supported. JP Morgan Chase recently changed servicing companies. The co-borrower removal application was submitted prior to the change however, Chase sent the servicing company the application. The servicing company is the company who denied the application however that company was provided all the records of loan payments. The reason I say this is because all loan inforamtion was viewable on the online banking system and close to the change everything was no longer viewable due to the servicing company. In addition, during a phone call with the servicing company the customer service representative I spoke to was able to tell me that she could see I made the consecutive payments required. This is an unfair banking practice and I have supporting documetation to provide that shows the denial reason to be false. I also requested all payments made to the loan be sent to me since that information was no longer viewable on the JP Morgan Chase online banking and is n't available online with the servicing company. This information was never provided. In addition under JP Morgan Chase the loan was under automatic withdrawal payments and the statements did not reflect the accurate interest rate since the loan qualified for a discounted rate. This is confusing and deceiving practice therefore I would like detailed information to determine if I was accurately being charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: On XXXX XXXX, 2015 at XXXX PDT I called Transunion 's credit fraud department to request a credit freeze on my account because of the recently announced XXXX cyber breach. I was given a file number, processed a credit freeze claim and issued them my personally selected PIN number. I was told by their representative that I would receive a written confirmation in the mail within XXXX to XXXX business days. Having not received that within that allotted timeframe I called today ( XXXX XXXX, 2015 at XXXX ) and was told by a Transunion representative that NO credit freeze had been applied on XXXX XXXX or any other date!!!! They completely XXXX this up and left me exposed to potential credit and I.D . theft for over XXXX weeks because of their incompetence and negligence. Besides wasting over XXXX minutes of time on hold, dropped calls, mis-directed transfers, and representatives that did not respond to my requests, I still have no satisfactory explanation why my request for a freeze was not processed in a timely manner, again exposing me to fraud. This is NOT acceptable and I would like an investigation launched and formal complaint filed against this company. After all, their core competency is CREDIT reporting, managing, monitoring, and they ca n't even do that properly. This company has shown blinding incompetence and neglect and they must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (I do not know) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Multiple calls says it 's in regards to a " financial matter '' Message says that it is for XXXX ( XXXX ) not my last name " XXXX '' When I attempted to call the number XXXX to have me removed from their call list I reach a voice prompted dead end. 
the call is from XXXX reference # XXXX my phone number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Credit decision / Underwriting

Complaint: Regions Mortgage is not reporting correctly on several if account. This account is not in the wage warner plan. The balance is incorrect, last payment date is incorrect. 
REGIONS MORTGAGE XXXX XXXX XXXX XXXX, MSXXXX ( XXXX ) XXXX Account Number : XXXX Status : XXXX Account Owner : Joint Account High Credit : {$200000.00} Type of Account N/A Credit Limit : Term Duration : 20 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$2000.00} Scheduled Payment Amount : {$2000.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Conventional RE Mortgage Date of First Delinquency : 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 non-monetary relief