milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2017 about Payday loan, title loan, or personal loan (Payday loan) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Received a loan you didn't apply for

Complaint: On XXXX/XXXX/XXXX, I was contacted by a XXXX from Regional Finance located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, stating that I had cashed a check for {$2400.00} on XXXX/XXXX/XXXX and that I had missed payments. This was the first time I heard of Regional Finance, and I did not cash a check for {$2400.00}. XXXX, from Regional Finance, informed me that Regional Finance buys information from credit card companies, pre-approves people for payday loans, then mails the payday loan to the address. Unfortunately, the check got mailed to a previous address of mine, and someone else signed the check in my maiden name and cashed the check. XXXX, from Regional Finance, informed me that my driver 's license was on file, but when she read me the driver 's license number on file, driver 's license number on file did not match up with the number on my driver 's license. They also told me that the email address on file was XXXXXXXXXXXX, which is not my email address. I asked XXXX, from Regional Finance, how they got my telephone number, and she said they " googled it. '' XXXX, from Regional Finance, also informed me that if I did not come into their office to sign an affidavit, my credit would be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a highly qualified   XXXX   XXXX   XXXX  . I joined the  XXXX  force in   XXXX   through an alternative licensing program (  XXXX   XXXX   XXXX   ).  In order for me to   XXXX   XXXX   XXXX  , I had to take and pass multiple  XXXX  exams to ensure my highly qualified status. I was on a transitional   XXXX   XXXX    for two years before receiving my full, non-transitional license. I applied for   XXXX   XXXX   XXXX   with NelNet for my 5 years of   XXXX   XXXX   XXXX   service. I was denied because of my transitional license. I was informed by the Department of Education in Tennessee that my transitional license years should count toward my service. NelNet refuses to acknowledge this and contin ues to deny my application.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America purchased a mortgage loan on the residential home of my ex-husband. He is now in a XXXX due to XXXX XXXX. Bank of America was notified that he lived in a XXXX that required him to sign over his retirement income, along with Social Security. Bank of America has now foreclosed on the residential property. In all my conversations with Bank of America, it was always told me that I was not responsible for the loan, but because I had Power of Attorney, they could talk to me. I had to file the POA with the State before they would honor it to even discuss the loan with me.. ( We divorced in the 2nd year of the original mortgage and property ownership was granted to my ex-husband by the divorce court. ) I now have POA for his medical and business care because he has no one else to help him. Bank of America knew this information and NEVER attempted to collect or report this loan on my credit report as his ex wife, in over 20 years. I was told they would n't and they did n't, until now that they have foreclosed on the property. They are now reporting it on my credit bureau and have sold the foreclosure to XXXX who is also reporting it. I now have 2 mortgage foreclosures reporting on my credit bureau for the same loan that I had a verbal agreement that I was not responsible for. ( evidenced by NO reporting or collection attempts in over 20 years ) It is NOT right that I was mislead by Bank of America and now 2 Mortgage Companies are exploiting my excellent credit as verified with no late pays or charge offs, on any of my Credit Bureaus. I received a letter from XXXX saying they were working with BOA in foreclosure on the property and the notice was NOT to be deciphered as a collection notice. Since they have NEVER attempted or discussed collecting from me or indicated I was responsible for the loan, please remove the credit reporting from my credit report. This type of exploitation by Financial institutions is crippling to consumers. It ties my hands to having a great credit history. Using unfair methods just because you can get away with it is not what America is about. We are a country of compassion. Bank of America and XXXX are NOT doing the " right thing ''.

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 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a bankruptcy on my credit report. I have sent in 2 letters asking for verification of this account. I also spoke with XXXX in Texas on XX/XX/2017, and he informed me that they completed the investigation but he could n't tell me who did it he said it was done electronic and it was not his job to verify if it was valid or not. He also informed me that they will not reinvestigate this ever again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had fallen behind on 2 payments with JcPenney so I contacted customer service on XXXX/XXXX/XXXX to explain and worked out an arrangement to reverse my late fees so the balance would come down. At this time I also created an online account in order to keep up with my account activity. My credit limit was only {$100.00} and I had not used the card for purchases in about 5 months but made a payment in XXXX at a local store in XXXX Fl which has since closed down in XXXX. On XXXX/XXXX/XXXX I went into the closest physical store which is about XXXX miles away to make a payment of {$100.00}. When I got home I logged into the account to see if the payment had posted and been applied to the account and that 's when I saw the banner showing the account was closed and to continue making payments. I was not notified that by the company when I called on XXXX or when I made a payment on XXXX. I contacted customer service today XXXX/XXXX/XXXX to inquire why the account was closed and she told me it closed on XXXX/XXXX/XXXX and it was n't because of payment history but a review of my credit report. I managed this card well for over 2 years and when i call to make arrangements they close my account. I was already approved for the limit i had based on my credit worthiness. They should not be able to take that away. The credit report if monitored frequently should only be used to determine increases not to close an account that 's already open. This impacts my credit negatively.I have attached the chat transcript from XXXX/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 08/17/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: We requested assistance in the form of a loan modification with our servicer, Residential Credit Solutions ( RCS ), XXXX 2014. During the course of going through the initial steps of the modification, RCS repeatedly, after 8 times total in writing by ourselves, refused to update our mailing address so all correspondence was getting delayed nearly a month to us. We requested RCS to update our address so we were not repeatedly getting our mail late. RCS has been very INACTIVE in the past when it came to telephone requests so we began to put everything in writing. We finally sent RCS formal mail this spring and faxed and emailed the final address update requests and this finally worked. 

However, XXXX XXXX, 2014 was the deadline for us to submit paperwork for the modification to continue and we received this correspondence from RCS XXXX XXXX, 2014 to our current mail location of which we had been attempting to update for months! It was because we did not submit our paperwork in time because we did n't receive it until 1 day past the deadline date that we were denied a modification. 

This is ridiculous treatment by a servicer and a poor excuse for denial when we made numerous attempts to get RCS to send paperwork to the RIGHT address!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Velocity Portfolio Group (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A person by the name of XXXX XXXX called my work phone, which is not a direct contact line. When I returned the call they were asking me personal identity questions while refusing to identify why they were calling or who they were calling on behalf of. They were rude, and in the end threatened me and told me I had to make arrangements today to pay today. I had no prior contact from this agency called XXXX. I also had not heard of the company they claimed to have received my file from, Velocity Investments LLC. When I responded that I was at work and could not take the time to handle this phone call, but would look for something from them in the mail, " XXXX XXXX '' told me I better call back on a break today. Again I repeated that I did not have the time to deal with the call today and again I was told I better call on a break. Then she said she would write in my file that I said I would call back today, I told her I did not say that, but she again said I had to call back on a break today.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Mortgage has failed to respond to multiple requests for information regarding a loss claim filed for a roof repaired from hail damage. The initial check was sent from the insurance company to PNC, however, nothing was ever mentioned and the check was deposited into escrow. Additional documents were required to complete the claim and release the funds to the contractor. However, notification was never provided. It should be noted that the funds were sent to PNC in late XXXX XXXX early XXXX XXXX. Notification was not received until the contractor threated to place a lien against my property for failure to receive payment. I have tried on multiple occasions to contact PNC to confirm that all documents have been received and the funds can be released. After waiting on hold for 30 minutes or more on each occasion, an operator would state that all circuits are busy and disconnect the call. The functionally to leave a message is offered every XXXX3 minutes while on hold ; however, when I would press zero to leave a message, the call would remain active and I will remain on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an error on my credit history for XXXX 2016, it showed a 30-day late payment for XXXX XXXX, which has subsequently been fixed by XXXX XXXX. This was an error that has been fixed with the updated information send to the XXXX credit bureaus by XXXX XXXX on XXXX XXXX, 2016. I was told it may take XXXX 45 days to show on my credit history. On XXXX XXXX, 2016, I checked my credit history and XXXX was the only one that made the change, while Transunion and XXXX have not made the change yet. I contacted XXXX credit bureaus and I was told to send the letter I had from XXXX XXXX stating dated XXXX XXXX, 2016 that stated the following " ... we have submitted a credit correction request to reflect the above referenced mortgage account as current ; paid as agreed for XXXX 2016. '' I uploaded this letter to XXXX indicating what had happened and to please correct the information for XXXX 2016 for this creditor, XXXX XXXX on XXXX XXXX, 2016. I send an overnight package to Transunion with a copy of the letter on XXXX XXXX, 2016 through the USPS. I received a letter from Transunion dated XXXX XXXX, 2016 and no changes were made for this creditor. No explanation why they refuse to rectify my account for XXXX 2016. I called them and after an hour on the phone, they were unable to make any changes and all they can say was to wait another 30 days ( although as of today it has been 45 days ). I called XXXX who has not responded to my dispute yet and has not fixed the problem either and they too are claiming to wait another XXXX 45 days. I do n't understand. I called the creditor, XXXX and they indicated that they have send the report on XXXX XXXX, 2016 and another on XXXX XXXX, 2016 and a follow up on XXXX XXXX. I have urged them to please fix this because is preventing me from buying a new house and since no bank will touch me because it shows a 30 day late notice with XXXX XXXX, I can not get a mortgage loan for 2 years. This is crazy since it was a mistake that has been rectified by the bank, XXXX XXXX, yet the XXXX remaining credit bureaus, Transunion and XXXX refuse to make this correction. Why are they not held accountable for fixing this? I need to know what do I have to do to expedite this process. 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 09-06-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am a single woman, I do not have any delinquent debt, I have excellent credit. I have received numerous calls from Midland Credit. I finally called them back today and learned they are trying to collect a debt for someone else. I have asked them to stop calling my cell phone and have blocked their number but I do want to make sure the calls stop so I am filing a complaint here too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ally Financial XX/XX/XXXX Inquiry - I wrote this company advising them I never applied for credit and never received a response back XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry- I wrote this company advising them I never applied for credit and never received a response XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company advising that I never applied for credit and never heard anything back.
XXXX XXXX XXXX XXXX  XX/XX/XXXX- inquiry, XXXX advised me they would send a letter to the credit bureau to remove and has not been completed.
XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company on XX/XX/XXXX advising I have never applied for credit and never received any response.
XXXX XXXX XXXX XXXX XX/XX/XXXX- I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.

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 02-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Problems caused by my funds being low

Complaint: I have a checking account with Citi and the bank has a feature called Checking Plus which is activated when my account went into overdraft. Once the overdraft happened, Citi essentially creates a loan with the overdraft amount. However, unlike other banks where a subsequent deposit would go towards the overdraft, Citi does not used the deposit to repay the overdraft line of credit. Instead, it starts charging double digit interests on the overdraft amount and just takes the monthly minimum payment from my regular checking account. I just discovered this when I looked at my banking statement more closely. Basically, even though I have more than enough in deposits to cover the overdraft, Citi has been charging me double digit interest rates on the so-called loan. I did n't even know when the overdraft had occurred and it seems like it 's been more than 1.5 years ( since that 's how far their online system goes ) and I 've been paying close to 20 % APR on this so called convenience that they provide for their bank customers. 

I do n't think this is a consumer friendly practice and this product is almost purposefully designed to get consumers to pay way more for the little convenience that they had offered for covering for the overdraft. I have never seen this practice at other banks and I think this is predatory behavior on the bank 's part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: 1. This XXXX is a XXXX XXXX VA XXXX Veteran entitled to the lowest Interest Rate VA Home Loan by Federal Law because of my COE but Wells Fargo who has VA Home Program refuses to process a VA Home Loan for this XXXX. 

2. Wells Fargo as a Financial Institution is abusing this XXXX and Family with XXXX Discrimination and Extortion Practices when collecting their mortgage payments from Families like ours which violate Federal Law. On XXXX XXXX, 2017 the Supreme Court ruled against Wells Fargo for these practices and Wells Fargo has agreed to pay Settlements to families like ours who have been victimized for their illegal practices and that have violated Federal Law. This XXXX is in desperate need of a Lawyer of Law Firm to help us secure our portion of these settlements. 

3. This XXXX is presently fighting Wells Fargo in Chapter XXXX U. S. Bankruptcy Court in order to protect our home from an illegal and Wrongful Disclosure Procedure and not lose our home. This XXXX XXXX VA XXXX XXXX Veteran is in desperate need of Legal Counsel who is willing to fight with us and is familiar with The Federal Law in Title 38 USC Sec. 5301 ( a ) ( 1 ) which states the following : " he shall be exempt from the claim of creditors, and shall not be liable to attachment, levy, or seizure by or under any legal or equitable process. '' The Legal Counsel or Law Firm must also be familiar with Title 38 U.S.C. 5305. states Because XXXX benefits, unlike retirement pay, are exempt from taxation, 38 U.S.C. 5301 ( a ), such waivers are common. See XXXX v. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) ''. 

To Learn more please visit : http : 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 08/29/2015 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: APR or interest rate

Complaint: My Chase XXXX west card is charging me 19.21 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED AUTO ACCEPTANCE (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I do not own this debt.This vehicle was stolen   XXXX    2016. P olice Report #  XXXX . The car was never recovered. I filed a loss through my insurance company, which was a paid valid insurance policy. United Auto Acceptan ce ( UAA ) needs  to contact the insurance company to discuss payment of the vehicle balance. I am requesting full valid proof of this debt. Along with the person 's name, position and number who physically validates this debt and as to why United Auto Acceptance refuses to go after the correct owner of this debt. If United Auto Acceptance can not properly and accurately provide with the proof, I request that this debt that I do not owe be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information and that of millions more in the country. 
The breach in XXXX XXXX has put us all at risk. I 'm extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call. I discovered the news via a news alert on my phone. Equifax should be required to monitor ALL accounts, for life, and notify victims if any fraud occurs. Credit fraud protection should be inclusive to ALL accounts, not a pay-for feature. This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I have spent and will continue to spend uncountable hours, and will waste money I should n't have to part with just to freeze accounts if it comes to that. This is an undue burden from a company I have never chosen to do business with. Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong No Name-XXXX past due amount missing Monthly payment missing No high balance Payment history missing XXXX XXXX-XXXX No high balance Payment incomplete also late payments are being reported when account is closed XXXX XXXX XXXX XXXX XXXX the account status is missing and the payment history

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: No knowledge of this account.

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