milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: Washington Mutual held my mortgage when they went under my mortgage was lost for 11 months whenever i tried calling we got no answer and they were not cashing my checks .my home went into foreclosure, my home was up for auction and there was nothing that i could do. on the twelfth month we recieved a package in the mail it was a new mortgage company XXXX mortgage and i had a 30 year new mortgage with about XXXX-XXXX thousand dollars in fees. i did n't understand what the hell was going on i tried to call different people and they brushed me off by saying at least u still have your home.i built my home XX/XX/XXXX and would have been done XX/XX/XXXX if this tragedy would not have happened to me. i often wonder how many others were affected by this. but i lost about 15 years on my XXXX mortgage, all of my equity. it was a terrible time for me i went through a XXXX XXXX. i still go through a lot of things when i think about my house would be paid off XX/XX/XXXX if everything would have went the way t was suppose to, i met a mortgage broker and she advised me to contact CFPB. i really hope there is something that can be done, i do n't know but it is worth a try so iam trying

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Medical debt) with Asset Maximization Group, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I check my XXXX credit report, and I noticed that there were a negative mark. This negative mark were due to a debt from XX/XX/XXXX, that I have never ever been notified off. I was not given my fair share of the law, this debt has caused my credit score to drop 32 points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Payday loan debt) with A & S Collection Associates, Inc. (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Received a phone call on Tues XXXX XXXX XXXX at XXXX from a unknown number by guy named XXXX XXXX saying he has legal documentation that I have to sign for at my place of residence and/or employment under my name and social security number. The paperwork is pertaining to a claimant office is filling against me. He says he is advising me to call XXXX and here is your attactch case number. This same guy has also called My Dad at his residence on Tues XXXX XXXX, Weds XXXX XXXX and also called my brother at his place of residence XXXX XXXX and XXXX XXXX. He has call both of them numerious times and was very rude. He has also called me again on XXXX XXXX XXXX at XXXX for another message like the first one. He called again XXXX XXXX saying the same message.

Company response to consumer: Untimely response
Consumer complaint received 05-12-2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am requesting to file suit against Equifax, I am not sure what these people 's problems are however, the only way this will all be resolved as if it goes in front of a judge. Equifax, you have taken my XXXX XXXX credit card off of my credit report. You will not update the XXXX XXXX XXXX and XXXX XXXX as being paid in full. You will not take the Mortgage off of my credit report. At this time I think it is just best that this goes in front of a XXXX judge to be resolve. I will be filing suit in the morning. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Dear  Sir/Madam : On   XXXX   XXXX   2017, m y car was involved in an accident and declared a total loss. I was fully insured plus had GAP to cover any difference.  <P/> At the time the car was declared a total loss, I was approximately 30 days late with the monthly payment.  On   XXXX   XXXX   2017, Honda Financial received {$19000.00} directly from the insurance company. Although they received this payment, they continued to consider my account late. This is a payment that I had to authorize to go directly to Honda Financial.   <P/>  On   XXXX   XXXX   2017, Honda Financial received {$6800.00} from GAP ; however, they still refuse to make my account current and on XX/XX/XXXX ass essed a {$10.00} late fee.  <P/>  Honda Financial is due one more payment from the car dealership to return the cost of the extended warranties, which I was told should be received by Honda Financial on or before   XXXX   XXXX   2017.   <P/> While I totally accept that I was approximately 30 days late when the car was declared a total loss, I am infuriated that  Honda Financial has received over {$25000.00} in payments ; yet refuse to make my account current. They expected m e to continue making monthly payments while having full knowledge that GAP and the warranty reimbursements would cover the total cost of the vehicle, minus my deductible.  <P/> Once the first payment from the insurance company was received, my account should have been made current with only the outstanding balance due.  <P/> What is even more outrageous is that the GAP and the warranties   are Honda products. Therefore, they would have had inside knowledge of the exact amounts being paid on the vehicle.
<P/>
My account is now beyond 60 days late due to this and will affect my credit.
<P/>
I want Honda Financi  al to bring my account current, plus remove the {$10.00} late pa
yment fee that was assessed on   XXXX   XXXX   2017. How can there be a late payment when over {$25000.00} was received from   XXXX   XXXX   2017 to   XXXX   XXXX   2017.    <P/> I feel like this is extortion and I would like this resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (OH).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I purchased my vehicle in XX/XX/XXXX under my business. I told them at the time I was the only member of my business and that my tax ID number was simply my social security number. I contacted them a few months ago ( XXXX ) because while my accountant was looking over my IRS  paperwork, he discovered that my business vehicle was NOT titled under my social security number but a made up number by the company. They have n't had my business vehicle titled correctly since I purchased it, meaning the tax deductions through my business are actually invalid. I have sold the business and I want them to switch this from a business to a personal loan and refinance it. They are telling me that I cant. I am very close to getting a lawyer and suing them to get out of this contracted loan. I either want them to take the car back and let me out of my loan, or remove the ridiculously high interest off of it and title it in MY name. 

Every-time I call they ask to speak to my husband, not me. My husband has nothing to do with my business whatsoever. I am absolutely SICK over this and nobody seems to be able to help me so I guess legal action is necessary. 

I dont feel like I should jump through hoops so that I can have this done correctly for them, they screwed up, not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX . In XXXX, Florida, for over 15 years, with my Spouse, who passed away, and there began my struggle to keep my home with the reduced income, since I was only a part-time XXXX Instructor. At the time EMCserviced the Mortgage, and I had a difficult time trying to do a loan workout with them. Suddenly XXXX XXXX, took over and quickly sold the Mortgage to the current Servicer, SPS. I reached out to SPS and it took almost a year before I began receiving correspondence from SPS. I have submitted Loan Packages over and over, only to be told they never received any of them. Now I have an experience Third-Party who have managed to get a response from SPS, However, my dilemma worsen when my home caught on fire, and the Insurance Company moved me into a rented Apartment. This house was determined by the Fire Inspector, and the City Inspector to be inhabitable. The Adjuster, have determined that it will take {$100000.00} to restore the home to standard. They have sent the first Check in the amount of {$67000.00} as the first installment to get started. The Contractors are ready, but SPS IS HOLDING THE CHECK because they are not sure they want to rebuild it because I am in default. Meanwhile, the Insurance Company will only extend the time until XX/XX/XXXX. to remain in the rented Apartment. SPS, will not make a determination on the Request for a Loan Modification. I want to remain in my home, because of the memories and the incompetence of XXXX, and XXXX XXXX cavalier attitude, I am stuck with TIME RUNNING OUT, AND I WILL BE HOMELESS!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX.

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX (XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED or FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unlawfully add inquiry to my score

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I bought a house XX/XX/2016 while I was enrolled part time in college. I called Navient to find out if I could lower my payments due to the change in my budget. Mind you I was paying for college classes out of pocket. They responded that I should go into forbearance temporarily and then they would lower my monthly payments. They gave me no other options. I agreed because I could not afford the high payments and did n't want late fees. It angers me to find out they profited even more by backing me into a corner to choose forbearance. I should have been offered an income based repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (Conventional fixed mortgage) with Credit Plus Inc (CA).
Issue: Application, originator, mortgage broker

Complaint: I disputed a collection account on my XXXX credit report. On XXXX XXXX, 2017, XXXX confirms the account was deleted. On XXXX XXXX, 2017, Mortgage Lender obtains merged credit report from Credit Plus , Inc. that showed the account that was supposedly deleted. This affected my score and ability to obtain credit. I informed the Lender that the report was incorrect. Lender had me call Credit Plus directly who told me they could correct the report, but only if the Lender requested such. Lender informed me that this correction would cost {$150.00} and he would not do it. I contacted XXXX who confirmed the account was deleted on XXXX XXXX, 2017 and that anyone who ran my credit the next day would not have seen the account. Alternatively, XXXX may have deleted the account and failed to inform me that such deletion would not report for a matter of days. Either way, now I 'm stuck with either having an additional inquiry on my credit report or not getting my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Unsolicited issuance of credit card

Complaint: On a PayPal checkout they signed me up for PayPal credit without my approval. I never saw an option or wanted their credit card. They are refusing to work with me and forward me to some collection agency. 
see : XXXX for prior issues

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 attached a letter and documents with highlighted information for review by the CFPB the credit reporting agencies and the creditors XXXX XXXX XXXX XXXX XXXX This is in response to a previous complaint with regarding items listed on my credit file that have not been validated. The information attached has been altered and or tampered with and is not the original information that was " supposedly agreed to by myself and the joint party. I never received a claim letter from this company regarding the CFPB consent order and was misled by the healthcare provider about the details and truth regarding opening the account and card. I believed that this card and account was paid in full. Account ending in XXXX was charged off and sold to a collections agency. 
******Please view all attached documents. ***********

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 02/13/2018 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (VA).
Issue: Loan payment wasn't credited to your account

Complaint: Applied for a loan, because i am the only one working right now because we just had a baby and we needed help, got approved used the money for bills and now im paying a ridculous amount on top of my other bills and putting food on the table for my family. They take advantage of hard working americans and take more money from you like a bunch of scam artist, how they are even a business i dont know. Every two weeks taking out more and more money is going to put my family out on the street.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On or approximately around XXXX XXXX, 2017 as i was making my monthly payment I took notice that my account Balance was higher than it should have been by my budget record. At that point i called to report fraud/unauthorized use of my card with CapitalOne XXXX Card at ( XXXX ) XXXX seems there were small charges done over past few months that i had overlooked when CapitalOne first removed the charges i felt the issue was going to be resolved as these done through the internet and so there in no signatures, no card swipe or anything else to verify that i had placed/authorized any purchases but few weeks later they conference called me with the company which applied these charges during which based solely on fact they have tracking numbers through USPS without any signature to prove these items were ever actually received i was told that the charges would be placed onto the new account number as the original was closed for security and replaced with new account number and card. There is nothing from the company to validate these charges other than USPS tracking numbers showing delivered to my home address. No signatures for any of these transactions at point of sale No card swipe No chip readings Basically is no validation to show these repeated orders/shipments Even the local Post Office in my town has had the public drop off box broken into so without any viable proof of any authorized purchases I am now being held accountable for {$320.00} by my own credit card provider Charges are as follows : XXXX/XXXX/17 {$4.00} XXXX/XXXX/17 {$6.00} XXXX/XXXX/17 {$89.00} XXXX/XXXX/17 {$68.00} XXXX/XXXX/17 {$89.00} XXXX/XXXX/17 {$68.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TN).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I have been in the process of trying to transfer a balance to a new card from  Chase Card Services for a mont h. A cashier 's check was sent to  Chase Card Services   on   XXXX   XXXX    2017   for the full amount of my card balance in order to transfer the balance to my new card. I first called  Chase Card Services o n    XXXX   XXXX  2017    . I was told that when a check is received, it would be posted to my account. Also, told that there was nothing that could be done on their end in the process, except for posting the payment when received. The representative told me it could tak e 7-10  business days to process the payment. I was also told that I would be charged an interest payment, so my balance transfer would n't be my last payment. I waited several days before calling back on    XXXX   XXXX  2017    . I was told that the check had not been received. I asked to speak to a supervisor, at this time. The Chase supervisor told me the same information about processing the payment, but also added that it could tak e 3 weeks to a month to process this type of payment. In the meantime, I had to make 2 pay ments-one to  Chase  and  one  to my new card company on the same balance. I 've now received another reminder fro m Chase that my ne xt payment is due, still no balance transfer posted. I 've spoken to credit lenders and reviewed timelines for balance transfers to take place, and 30 days is excessive. I 'm concerned that my balance transfer is purposely being delayed in order for  Chase Credit Services  to continue to receive payment and interest on an account I have made efforts to transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: judgment was filed for a credit card debt of XXXX of which XXXX is late charges. Payment could not be made in 2009 when economy tanked and consumer was laid off for 2 years. I have paid {$2100.00} and have the money order receipts for these payments XXXX XXXX dollars for the past 3.4 years. I called to settle this debt and was told it would be based on my current income and XXXX and XXXX wanted to go overall of that on the phone. Barclays charged this account off but is still reporting on my credit. I called Barclays and they can not give me any information because the account was sold. XXXX and XXXX say they do n't report to the credit bureau. I feel like I have paid my dues on this account. We are having lay offs at my company and I want to settle this account as paid with no further payments. I cant get any straight answers. XXXX and XXXX filed a notice of right to have exemptions designated and I completed this to show I had XXXX assets at the time. They still sent the sherriff with a notice demanding payment with court fees attached which appears to have been an unfair and deceptive practice of harassment. I would like to have this judgment released. Enough is enough. I have not missed a payment in 3 years

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