milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates is reporting a debt/ negative account on my credit report. 

I sent them a letter ( attached ) certified mail that was received on XXXX/XXXX/2015 ( attached ). In my letter I stated that this debt does not belong to me and I also enclosed a copy of my drivers license and social security card ( attached ), to show that it does not belong to me.Since I know that I have never opened anything with XXXX XXXX. I asked them to verify the debt instead of doing such they responded by telling me, I never responded to their previous letter that I send additional info and they are now closing my dispute? ( attached ). Which I never received such letter. 

1. The debt does not belong to me. 
2. I sent this company proof of who I am. 
3. This company did not respond to anything I asked in my letter or take the time to verify the debt instead they close the dispute?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (SC).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I opened a credit card at a merchant when purchasing lawn furniture and hot tub. I was told the furniture had no interest if paid in XXXX months and the hot tub, no interest if paid in XXXX months. I have been paying over the minimum payment all year, and now received a call that Wells Fargo, the card issuer, is charging interest. I am baffled, since my balance is much lower than the lawn furniture cost, since I paid more than the minimum every month. Now, the woman is explaining it is XXXX different types of promotions and it depends on the way they applied the payments. I am very upset with how poorly the promotion was explained. I have been fortunate enough to use deferred and no interest offers through different banks and never had this problem! Wells Fargo needs to be reigned in.

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 04-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: Capital one reported a payment I made through autopay system as late. the autopay was supposed to be set to " pay minimum '' due. The service although selected did not remit the payment of minimum due. Although the payment was made on time as scheduled the amount was incorrect due to their online site. I have never missed a payment and have a flawless history with them. They are completely able to remove this from my credit yet they are not doing so. Again my payment was on time as usual, but their system did not work correctly even after selecting minimum amount due and closing the site. This is unfair and not the way to treat a customer in good standing of 9 years. I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian REFUSED to provide me a credit report for a declined loan based upon credit information Experian proved to the lender ( XXXX XXXX XXXX/XXXX/2015 )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am an XXXX Service Member in the XXXX. I attended the financial briefing in XXXX from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites. 

Please advise! 
XXXX XXXX XXXXXXXXXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2015 I went through a really bad separation from my partner. I went into Bank of America and had a teller assist in transferring all of my funds out of my joint bank account to a new bank account that was in my name only. Thirty minutes after I left the bank I received an email confirmation that my funds fell below {$25.00} in my old bank account, and I received a confirmation number that the funds transfer was complete. On Saturday XXXX/XXXX/15, the other party walked into Bank of America and withdrew {$600.00} from the account that should 've had a balance of XXXX. When I called customer service they told me that there were funds available in both accounts, which is crazy to me. On Monday XXXX/XXXX/2015, Bank of America did a reversal of the transfer from my new account back to my old account and said that since I transferred the funds on XX/XX/XXXX and set the account to close, that all transfers had been cancelled. They then overdrew my new bank account a lot of money and all of my purchases, including my rent payment that I made on XX/XX/XXXX almost bounced. I filled a claim with Bank of America and their claims department called me and told me that there was nothing they could do for me since the other party was on the bank account. My bank account is still overdrawn {$600.00} dollars since XX/XX/XXXX and they are refusing to take any accountability that they made a mistake when they transferred my funds. If I would 've known that doing the right thing but sitting down and having a teller help me with the funds was going to put my money in jeopardy I would have just pulled all my money out and went to a different banking facility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (FHA mortgage) with WEICHERT FINANCIAL SERVICES (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Weichert financial services has an online way to pay your mortgage. The first time it malfunctioned they convinced me I made the mistake. Simply put the payment I submitted did not 'take ' they admitted they could tell I was online and then reprimanded me for not making sure I got a confirmation email. These emails could take up to a day with the old system and i reluctantly paid the fee. After they modified the site a similar thing happened, this time I went in to overpay to pay down principal however after i submitted the over-payment I realized not only would there be a delay in a coming deposit but also another bill that had a pending outgoing payment. I called and spoke to an agent that informed me that I could do this from the site I asked her to remain on the phone while i cancelled the payment I has just set up, she did, I went through all the steps that not only she told me to do but were part of cancelling this online. I got an onscreen message that said the payment had been cancelled was overjoyed told her I was sorry for bothering her and if i knew it was that easy I would n't have made the call. The payment went through and I got charge fees on both ends. When I called the next agent at first admitted she could see I had been on line and what I did when I was there but as soon as i complained about the payment attempt despite cancellation she clammed up and told me it was my fault for not getting a cancellation email. I told her I got the message online and did not know it was to be accompanied by an email once i received online verification. She then told me that the only way I would get a refund was if I could produce the email which I never received. I told her the mistake was in their system and she had the audacity to stand by the error they made then ask me how getting upset was helping me. This happened last summer and they still refuse to cancel the charge. I have been late I have overdrawn and I pay those fees with no problem when I make the mistake but to make me pay for an error in their system is unconscionable. I want this fee refunded as they processed a payment they were not authorized to process

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 08/14/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Home Servicing LLC (NY).
Issue: Struggling to pay mortgage

Complaint: The second lien on my property was sold to Home Servicing LLC in XXXX 2017 from XXXX XXXX XXXX. They did n't even have any account number assigned to my property until the middle of XX/XX/XXXX. I had a short sale approved with the first lienholder at the time XXXX XXXX, that told me they also were selling my first lien to XXXX who was to honor the short sale. I finally received communication from Home Servicing on X/X/17 stating that there investor required {$33000.00} to settle the 2nd lien of record. The previous holder of the second lien only wanted {$27000.00}! To no avail, I have had to restart the short sale process and I currently have a contract of sale. Another was made to the second lien holder but received no response from emails, calls, or priority mail delivered letters stating my wishes to pay for Satisfaction of Mortgage. However, I was told by XXXX they could allow for 10 % of the face value of the note which is {$85000.00} so they would only allow for {$8500.00} to be paid and shown on the HUD statement. This company has neither shown me that they purchased this note from XXXX XXXX XXXX nor have they recorded their assignment of mortgage with the County Clerk. The second lien has never proceed with a Foreclosure action and the note of record is well past the Statute of limitations. So any monies they get should be enough. Please advise as how can I get a Satisfaction or Lien release for this stagnant mortgage that clouds the title of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I disputed several things on my credit report with Equifax on XX/XX/17 I received an email from them stating it had been completed. When I tried to use the confirmation # and review the results the page kept popping up it was unable to access my results, I waited a couple days tried again same thing. I then receive another email from Equifax ( XX/XX/17 ) with a new confirmation number that my disputes are complete. I tried AGAIN to access the results and was given the same page. I called into 2 different phone numbers and both agents told me there is no dispute on my record, just a consumer statement that I made with XXXX not even Equifax. I need the dispute results from Equifax, please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter documenting that my mortgage with Bank of America was being sold to XXXX, XXXX. The change was to be effective on XXXX/XXXX/15. The letter from BOA was received on XXXX. I have still not received anything from XXXX, XXXX claiming that they are the new loan holder. According to research they must notify me in writing no later than 15 days before the sale occurs. This time has passed. I want to contest the sale of my mortgage based on what I have learned about XXXX. I ca n't find anything good about them anywhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NC).
Issue: Shopping for a loan or lease

Complaint: CHASE AUTO MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Student loan (Non-federal student loan) with U.S. BANCORP (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I initially filed a complaint ( Case No. XXXX ) on XXXX XXXX, 2016, after US Bank denied my request to modify my student loan because I could not afford the payments. After this complaint was filed, US Bank provided me with the opportunity to defer payments for two months so I would have time to submit another modification request. My original request was denied because US Bank determined ( using a formula that has never been explained to me ) that the debt I owe is not a large enough portion of my overall debt. I explained my monthly income would go down ( by {$1100.00} ) because I had a teaching contract that was not renewed - XXXX XXXX ( XXXX ), a collections manager, assured me at that time he would personally review the new application ( to be submitted once I had pay stubs confirming the reduction ) and that he was " sure US Bank could find a way to make it work. '' On XXXX XXXX, 2016, I mailed the updated application and supporting documentation to US Bank, and the tracking information confirms it was received by US Bank on XXXX XXXX, 2016. I had not had a response from US Bank as of XXXX XXXX, so I called and left a message for XXXX XXXX asking him to call me back with an update. He had not called back by XXXX XXXX, so I called and left another message. On XXXX XXXX, I received notification from US Bank in the mail ( attached ; dated XXXX XXXX ) that now my loan can not be modified because I make too little ( " debt-to-income and/or payment-to-income ratios indicate a payment amount that is not affordable and/or not sustainable despite applying maximum modification terms '' ). So, two months ago I made too MUCH to qualify for a loan modification ( despite not being able to afford the monthly payments ) and now I make too LITTLE to qualify for a loan modification. I immediately called XXXX XXXX and left another message, indicating I 'd received the letter and would need to speak to either he or his supervisor so I could get a detailed explanation on how this determination about my loan modification had been made. I also informed him I would be filing another complaint with the Consumer Financial Protection Bureau. I would LOVE to know how much my income needs to be in order for US Bank to determine I will qualify for a loan modification. The bottom line is that if I could not afford the monthly payments when my income was {$1100.00} more than it is now, I do not know how US Bank expects I can afford the monthly payments now. US Bank has not offered another solution to me or been willing to work with me at all. My credit has taken a huge hit because of problems with US Bank - something I made very clear to XXXX XXXX during our XX/XX/XXXX phone conversation - and I am trying to prevent things from getting worse.

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 08/14/2015 about Student loan (Non-federal student loan) with U.S. BANCORP (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have experience a deficiency in the system, in dealing with US Bank in regards to XXXX private loans. I have unexpectedly, lost my job and found myself in an economic hardship. In efforts to maintain my private loans in good standing, they had been in auto-pay. I am actively seeking a resolution, in which I can maintain a good relationship with my creditors. However, I am no longer able to make any more payments, being that my only source of income is unemployment. I have reached out to XXXX XXXX for assistance in obtaining a deferment, and they said my only option was for me to enroll back in school. I called the US Bank assistance line, and they explained they no loner offered the option for forbearance. I explained my situation and my desire to make things right, and not default on my student loans. Their response : I will have to go on default, in which case they will start calling me ... but once I find a job, THEN I can call them and ask for an extension. It seems unreasonable, that a creditor will not offer options feasible for a debtor willing to make an arrangement while facing financial hardships.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: A year ago XX/XX/2016 the car was in crash was totaled. The car place in impound by choice cause the body shops would n't take the car. My grand son did n't get ticketed and the car was n't impounded. This was told to Toyota financial and Toyota guaranteed auto protection claim dept # GAP XXXX to payoff the car. However, all Toyota did give permission without me knowing to XXXX XXXX XXXX the impound to buy the car themselves from Toyota as total loss vehical. As of XX/XX/2016 the Toyota GAP has n't payoff the car. I contacted them as usual they give me round around that the recovery department has to apply for the claim. They transfer me to recovery transfer me customer service and they did n't know why I was transfer to them. I do n't know what do about it at this point. Also the car had recall do to " Accelration '' malfunction and that was accident as well they wont do anything about that either and they do n't answer the letters either. I bought this car joint with my grand son XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: We received an agreement for a principal reduction provided our payments were made on time. We have complied with the agreement and now they refuse to apply the principal reduction. I contacted the loan servicer ( Nationstar Mortgage ) and now they say the principal reduction was denied despite my agreement to the contrary.
Nationstar Mortgage Acct.   XXXX   Balance :   XXXX    Interest:2 % ( unitl 2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax,  XXXX  and  XXXX   XXXX  are ignoring my numerous requests to investigate and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX XXXX, 2016 both my checking and savings acct were wiped out completely. over {$10000.00} was gone. I believe i lost my card some time around XXXX XXXX. I did not notice the fraud activity until about 2 days later when chase sent me a text message asking if i had been the XXXX to make these transactions i replied NO assuming they will handle everything. at that time about {$300.00} was missing. within a couple of days ( thinking chase was handling the issue ) my money was tranfered from my saving into my checkings and all of my money from both accounts were gone. i finally call XXXX XXXX asking WHY things werent handled and why my acct wasnt closed. I filed disputes and several claims. out of {$10000.00} i was denied XXXX claims totaling to {$4800.00} XXXX when i asked chase to listen to the recording of the " person who authorized the online transfer '' they denied me and stated that i needed to supbenea them first. Lastnight at XXXX on XXXX i noticed Chase bank went into my NEW savings acct and took back XXXX temporary credits made to me back in XXXX. Noone called me, no letter was received, or anything notifying me that my claims were denied. I call chase lastnight asking why and the rep stated i made transactions while the fraud activity had been occuring ( which where monthly automatic pay ) to my XXXX program. I went thtough chase executive dept and filed a compliant but that was also denied. i do not know what more to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Credit card) with Atlanticus Services Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: sending me letters saying i owe but account closed on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/28/2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Credit line increase/decrease

Complaint: I began with a {$1200.00} credit limit through Amazon.com courtesy of GE Capital Bank. That company then became Syncrony Bank. My credit limit was lowered to {$830.00} in less than one year. I had had no difficulties with payment and in fact had paid it off. Recently, my credit limit was lowered to {$650.00}. I had no difficulties with payment yet again. Syncrony states that their company does a periodic credit review and adjusts according to their findings. This always has an immediate impact on my credit score because it changes the ratio due to me holding a balance. I believe this practice should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Medical debt) with Creditors Bureau Associates (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Creditors Bureau Associates is trying to collect a medical bill on behalf of XXXX XXXX XXXX ( of which I do not recognize ) and have reported it on my credit and should not be there because medical bills are not lines of credit. Opened XXXX XXXX, XXXX ( of which I had insurance through XXXX or XXXX XXXX XXXX, up until XXXX XXXX I believe ) Amount of {$210.00}. I have asked XXXX and the creditor that they please remove this from my credit as IT IS NOT A LINE OF CREDIT. 

XXXX XXXX XXXX XXXX is trying to collect a medical bill on behalf of XXXX XXXX XXXX ( of which I do not recognize ) and have reported it on my credit and should not be there because medical bills are not lines of credit. Opened XXXX XXXX, XXXX. Amount of {$460.00}. I have asked XXXX and the creditor that they please remove this from my credit as IT IS NOT A LINE OF CREDIT. 

I have also requested XXXX to remove several hard inquiries that I do not recognize and/or did not authorize and they have yet to do it.

Company response to consumer: Closed with explanation