milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have now answered over XXXX calls from a number that keeps calling as XXXX, which documented dates and times. Company appears to be Midland Funding. This must be a computered generated call, because nobody is ever on the phone, it shows blank air time, then a few clicks and disconnected. I do n't have a clue what they are calling about, but this occurs once to twice per day, and I have to drop everything I 'm doing just to hear a line drop with no person available. I wish for them to stop calling, as for whatever reason they are calling, I tired of being harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job at the end of XXXX and fell behind on my mortgage in XXXX. I applied with the XXXX Home Saver program ( Hardest Hit Fund ), Bank of America did not offer this to me nor any other solutions to the issue I was facing. After completing my application with XXXX XXXX XXXX. I waited for BOA to approve the program. However, Bank of America did not, they had an error that was made on loan documents that were signed in XXXX and told me they would not give the approval to enter the Home Saver program until I signed a new Modification of Deed of Trust, they mailed the MOD to me and it was back dated before the date I signed the original modification. They offered me {$500.00} to sign the document and said they would not stop the foreclosure process or even review my file for Hardest hit or any program until I signed it. So I signed it and returned, I do not feel comfortable with the practice of mailing me a deed that is dated from XXXX with the dates changed and another section added to the deed. I feel they should have done a Correction deed and not backdated one. Also they went ahead an proceeded with the foreclosure process and had already started advertising my home and the sale date. As of last night XXXX XXXX XXXX had called BOA and they said they would stop the sale which is supposed to occur today at XXXX, until they review my file for a foreclosure prevention option. There is some funny business going on with my loan, they also have billing statements going back 2 years where they placed payments in a suspense account and did not apply to the loan for months in some cases. Please do a full review of my loan file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX XXXX TransUnion. 

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 
Company & Inquiry date 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX Bank USA XXXX/XXXX/XXXX 7. XXXX XXXX Bank XXXX/XXXX/XXXX 8. XXXX Bank XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX, LLC XXXX/XXXX/XXXX 11. XXXX XXXX Bank XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13.  XXXX XXXX XXXX/XXXX/XXXX 14. XXXX XXXX XXXX/XXXX/XXXX 15. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX 17. XXXX XXXX/XXXX/XXXX 18. XXXX XXXX XXXX XXXX/XXXX/XXXX 19. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX 20. XXXX XXXX XXXX/XXXX/XXXX 21. XXXX XXXX XXXX XXXX/XXXX/XXXX 22. XXXX XXXX XXXX/XXXX/XXXX 23. XXXX XXXX  XXXX/XXXX/XXXX 24. XXXX XXXX XXXX/XXXX/XXXX Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

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 08/17/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Trouble during payment process

Complaint: This is a follow-up to an ongoing Claim # XXXX which you indicate JPM is the process of reviewing. I have had a chance to review the documentation the notary, who came to my house to do the closing on the refi back in 2011, left with me. In this packet you will see : ( 1 ) copy of one of the letters from Chase responding to one of my claims, indicating that they had sent me a marketing offer for a super streamline HARP - As stated before this is incorrect. I did n't respond to any marketing offer. I enquired about getting a lower interest rate on my existing loan based on what the market was offering and being that Chase had my loan.
( 2 ) Copy of JPM Chase Commitment letter clearly indicating type of mortgage as : Conventional Fixed.
( 3 ) Copy of Notice of Right to Cancel clearly indicating type : Conventional ( 4 ) Copy of Uniform Residential Loan application clearly indicating type of mortgage as Conventional ( 5 ) Copy of Settlement HUD-1 clearly indicating loan type : Conventional uninsured ( 6 ) Copy of Truth and Lending Disclosure Statement Final copy indicating nothing about loan being a HARP. It is the Lock-in-Agreement the only document that refers to loan type as Conventional HARP. As stated before, based on the criteria required for a HARP loan, it does n't look like my loan qualified for such program as it did n't provide me with any added benefit but rather increased the overall loan amount by approximately $ 50k. Extended a higher rate than the current market rates while increasing my loan term by 13 years. The attachments clearly indicate that I was intentionally mislead. Chase never told me about the HARP program nor disclosed any advantages or disadvantages of converting into a different type of program. However, as the documents show, only the conventional program was being offered.
Regardless of the type of loan Chase granted me though, my request was to reduce my debt by refinancing at a lower rate which at the time was being offered, by different financial institutions including Chase, at below 4 % but Chase I only qualified for 5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My account was paid in full in XX/XX/XXXX. In XXXX I received another bill stating that I owed them another XXXX as a minimum charge I asked what it was for they said it was written in the contract that they could charge this. I told them to cancel my card right then and there. which they did. Ok. so we are now into XXXX I get another bill from them stating that I owed them XXXX. XXXXfor the previous balance and XXXX for fees. Well I did consent to pay this just to get rid of them. But I got another bill in the mail today That is for XX/XX/XXXX Which states that I owe them another XXXX. They charged me another XXXX for a late fee and another XXXX for a minimum charge. This is down right XXXX and I am not going to give them another cent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I called Experian to remove different address that were listed in my name that are incorrect. They gave me the run around asking me have I used a credit repair company and telling me I need to send in my info to verify that I 'm who I say I am. I verified all the information they needed but since I did n't have report number they could n't remove the addresses for me. This is very hard on me and my family. Identify theft has been happening to me for a very long time. I 'm taking action to sue them in court. They never take a disputed seriously, they will say they verified information but the creditors do n't even have the info so how could Experian have it. Nothing this bureau does makes sense. Please have them remove any negative info off my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: not my debt. stop all communications with all household members.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The original creditor XXXX was removed from credit bureau for reporting inaccurate info. Midland funding continues to try to collect on bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax will not remove my IRS withdrawn tax lien. I supplied my form IRS XXXX ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) and disputed XXXX times to no avail. 

The last time I filed a dispute I spoke to a Equifax manager ( XXXX ) stated that the lien was only released, not withdrawn. The representative said there is no way to remove a tax lien.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Due to the recent allegations that have been filed with Navient, I wanted to confirm that my students loans were not affected in any way ( e.g., Lost paperwork. Misapplied payments. Surprise late fees. Processing delays, etc )

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. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My complaint is against XXXX : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that XXXX were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. XXXX separate disputes were filed with XXXX ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : XXXX Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, XXXX is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XXXX  Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from Transunion and XXXX credit reports, although when comparing them the payment history does not report the same patterns ... see Transunion and XXXX attachments

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 05-09-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax has reported both a freeze and Insufficient credit history on my credit report. This caused problems with my local bank, which refused the issuance of a credit card, and in addition caused refusal of a rental agreement with a community in XXXX XXXX Fl. I have tried to resolve this problem since XX/XX/XXXX without success. Equifax refuses access and correction of my report. Needed documentation was mailed to them via certified mail on XXXX occasions with result being that I receive the same documentation asking me to provide proof of identity which I have provided over and over again. My last request to them on XX/XX/XXXX generated the SAME document, dated XX/XX/XXXX. I have attached all documentation including the last received document dated XX/XX/XXXX. I need to say that credit reports from " XXXX '' and " XXXX XXXX '' reflect my correct data. The attached file shows all documentation provided to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Payday loan) with Clear Debt Solutions, LLC (SD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continue to call my work and I have asked 6 times to stop calling me at work. They have failed to listen. They stated that they have left me messages on my cell phone, but they never have. As soon as I spoke with them at my work number and asked them again to, stop calling here, I also told them I would try to call them this afternoon, they called right back on my cell phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Application, originator, mortgage broker

Complaint: XXXX mortgage with Capital One bank. Interest payment jumped from $ XXXX/month to $ XXXX/month. No one can explain why. Then they decided they wanted the loan repaid immediately. They could not maintain employees as every time I called the previous person was no longer with the company. We would have to restart from scratch with a new banker. I have turned in their requested paperwork to at least XXXX employees via fax. The most recent phone conversation said the loan application was closed because I did not send in the requested paperwork which is false. Also during the most recent phone conversation the lady said she spoke with my on XXXX XXXX which she did not. I had to keep calling to get someone 's attention.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I DISPUTED ITEMS ON MY CREDIT REPORT WITH ALL XXXX REPORTING AGENCIES, XXXX, AND EQUIFAX. SENT ALL DISPUTES CERTIFIED MAIL, THEY SIGNED FOR THE DISPUTES ON XXXX XXXX. EQUIFAX NEVER GOT A RESPONSE BACK TO ME AS OF YET, WHICH IS WAY PAST THE 30 DAYS ALLOWED BY THE LAW. ON XXXX XXXX THEY WERE SENT ANOTHER LETTER BY MY ATTORNEY THAT THEY WERE IIN VIOLATION OF THE LAW, AND ACCORDING TO THE LAW THEY MUST REMOVE ALL DEROGITORY ITEMS WE DISPUTED OFF THE CREDIT FILE IMMEDIATELY AND AS OF TODAY THEY HAVE REFUSED TO AND ARE IN VIOLATION OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I contacted Wells Fargo today and they advised that I was 51 days delinquent. I was a little confused as to why. I spoke with XXXX who first advised that he was a supervisor ( I later found out that he was a lead ) and he advised me that if a partial payment is made on the account, then it is not applied towards the account and that interest accrues daily on the full amount due. I have made larger payments towards my account for some time. I want to make sure that the company is calculating the interest correctly. If they are not, I would like for them to adjust my account accordingly. Also, the person on the phone advised that he was a supervisor, when he was not. He was a lead. This is misleading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with Continental Finance Company, LLC (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I requested a replacement card with Continental Finance ( Matrix Card ) in XXXX 2016, and updated my address. I never received the card in question and due to being unable to login to my account ( it is linked to the card directly, and locks if you 've requested a new card ). I called to make payments and request the card AGAIN, and was sometimes met with a " it is late ''. So I would make my account " current '' and request the card again, leading me to believe that I was paying and would not owe until the next month. Fast forward through months of this rinse repeat cycle to today, ( sometimes they waive the late fee, other times not ), and I find out that making my account current does not include the current amount due. While it is beyond me as to why " making my account current '' would n't include the current months payment. After being transferred, the supervisor proceeds to advise me that to send my card, I must make a payment that includes the next payment ( meaning the next due ) and that is how I would receive my card. So I pay ahead, in fact I just paid above and beyond the amount due in order to secure my card. The turmoil and headache of their login system coupled with the inability of the employees to resolve an issue to fruition causes their clients undue stress and financial burden. The FACT that it took over 3 months to attempt to resolve an issue that their client had already given all the necessary information and tools to resolve is insanity. This particular instance is not a closed case as of yet, due to the card not being received. If it is not received, after making the account paid to a true current balance, the cycle will continue, Continental Finance will continue to charge fees they should n't. I would consider this fraudulent activity on behalf of the creditor as several actions were taken and the consumer did everything in their power to resolve the issue, while the creditor continuously misled the consumer in order to accrue fees.

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 10/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (MS).
Issue: Charged fees or interest you didn't expect

Complaint: I submitted for a loan on XXXX/XXXX/XXXX and was approved for XXXX. My first payment was due on XXXX/XXXX/XXXX. My income is based on what I receive through XXXX. I had a medical emergency with a up front cost that I had only days to pay soI got the loan. Closer to due date, I sent an email and called to reschedule payoff through a debt consolidation loan through my bank and I would payoff the loan and be loan on my first and only payment. The day I tried to talk to them I was either on hold or hung up on twice. I didnt want them to send it through but got the run around and sent three times. I were charged with massive bank fees through them and the effects it had on other transactions. The bank closed my 5 year checking account now they have called me at least 30 times. If they would have tried to work with me I wouldnt be in this bad of shape. I am lookin for one payoff amount and be done. I will never get this again because with XXXX, you never know what you are going to get and it helps if the business is not CRAZY like these people,

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hi, I have both federal and private loans. During enrollment at XXXX University ( XXXX ) in XXXX XXXX which is now closed, I feel that I was cheated into paying for this degree with Federal and private loans. There were many times when the school was under investigation and in jeopardy to lose its accreditation. Now that the school is closed, the school feels like a fraud. Its been a while, but I remember while attending school, I was pulled into the financial office and told that I have exhausted/run out of funding to continue attending the school and that I should take out a private student loan and get my mom to co-sign. I told them I was nervous about not being able to get approved and then re-paying and the lady told me that she took out loans for her degree too and now she has a family and she only has to pay under {$100.00} and not to worry about it. She assured me that it was easy to take out a loan and that it would easily be approved. I really feel like I was a vulnerable victim and now i 'm stuck with an almost {$80000.00} in loan debt that I have been trying my best to pay for so many years to only find that the debt gets larger and larger. Even after telling XXXX/navient that I have been un-employed, they continue to offer me no help. At this point, my degree is worth nothing and I would like for them to refund me the money or at least the money I have paid and forgive me for the remaining debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TN).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a no interest credit card and was turned down. I got my credit report and I have a lot of good credit on it. One thing my life time Insurance co was supposed to have paid was on it, it that was 2011. The company is taking care of it. But I have cards from Citi that do not have abalace. I ca n't believe they turned me down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Problems caused by my funds being low

Complaint: I was denied the opportunity to open a joint bank account at XXXX XXXX XXXX XXXX with my husband because of derogatory information reported to them by XXXX.

Company response to consumer: Closed with non-monetary relief