milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2018 about Debt collection (Other debt) with Garrison Investment Group (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have a home improvement loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX. My payment for the month of XX/XX/XXXX was 3 weeks late the day after I paid the bill. I received a notification from my credit monitoring service that XXXX XXXX XXXX made a hard inquiry to my credit report and my wife 's credit report. My wife contacted them about making hard credit inquiries that affect our credit scores for a bill that was not 30 days late and was paid the same day the hard inquiry was made. They told her they are allowed to make hard inquiries on our credit report without authorization to do so because we have an account with them and that it is in the loan contract we signed. I don't think this is legal. I want those hard inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OR).
Issue: Deposits and withdrawals

Complaint: My husband and I recently sold our home for cash. His mother 's trust account, of which he was the trustee, had the same routing numbers but different account numbers. He mistakenly wrote the trust account number for the deposit. He passed away a few weeks later. His mother has been dead for years. XXXX XXXX XXXX XXXX sent the $ $ to Chase Bank on XXXX/XXXX/2016 which was then to be wired to our joint Chase checking account. The funds never came. Realizing the mistake, I corrected the account numbers and faxed to the Title Co. on XXXX/XXXX/16. The Title Co. explained the mistake to Chase and requested a recall of the funds. There has been no response from Chase. There have been multiple inquiries by theTitle Co. and from myself to the Title Co. and Chase Bank requesting $ . A recall was initiated on XXXX/XXXX/16. Bank personnel state they were waiting for a recall from Title Co. and deny any responsibility for delay in returning funds. Chase states an employee telephoned the XXXX Co regarding the recall but upon receiving voice mail, left message but did not follow up on inquiry. After spending 2 1/2 hours at a local Chase branch trying to reach a resolve to this issue including numerous telephone calls no happy results are evident. I became disgruntled and left - still with no solid reason for the delay in receiving funds. What were they doing with them? Drawing interest? Were they lost? Why is a recall of funds so difficult and time consuming? The following day I telephoned the 'consumer friendly ' line. I had received the Chase bank trust statement in the mail showing the $ $ in the trust account. After being transferred a few times to different people, a female employee on Chase investigation team said she saw the $ $ deposited in another account from the trust account. She asked me if I had an account with the XXXX numbers she said she saw. I did not. She was unable to explain how the same amount could be showing on my Chase trust bank statement and still be insisting that the same $ $ were in the account with completely different account numbers. She was reluctant to acknowledge my bank statement and continued to insist that her information was solely correct and could not be doubted. Again, I was disgruntled and still am.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX  XXXX XX/XX/XXXX Loan # XXXX - Santander Bank Dear Sir or Madam, I have contacted Santander and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to Santander and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by Santander states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the Santander Bank NA formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position.
<P/>
Please inform XXXX, XXXX, of this change. XXXX has already complied with my request. Many thanks for your help.
<P/>
Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " XXXX '' not " XXXX ''! I only gave permission for 'one ' credit inquiry. Please delete XXXX from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, MI XXXX b ) XXXX XXXX XXXX XXXX, TX XXXX c ) XXXX XXXX XXXX XXXX, TX XXXX d ) XXXX XXXX XXXX, OH XXXX e ) XXXX XXXX  XXXX XXXX, TX 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 10/25/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: name is misspelled wrong last name Correct name XXXX XXXX not XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Insurance Claim on Primary Residence. Mortgage Company mishandling my funds for repair of loss.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: TransUnion File # XXXX XX/XX/2018 TransUnion has All alternative Credit Inquires in the last 3,6,24 & years on my file. I have not or no what or where this came from or  source. I have not or agreed and need documented proof and my signature of such All Alternative Credit Inquiries as stated by TransUnion

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 09/14/2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have now left 2 messages on the legal resolution team at Pressler and Pressler after receiving a second letter from their offices. I spoke to someone this afternoon and the amount I " owe '' has increased from the {$820.00} ( amount which was repeated several times throughout our communication as well as the number presented as part of evidence in their notice of motion paperwork. I would like to understand how the sum owed has substantially increased as of this afternoon to well over {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (AZ).
Issue: Trouble during payment process

Complaint: Ive been always paying my mortgage on time. In XX/XX/XXXX, for some reason, the mortgage company didnt receive my payment on time. The payment was a check from my bank account which was mailed to the Mortgage Company by XXXX XXXX. The mortgage company mailed me a Delinquent Notice. When I called them, they said that they did not receive the check. The manager who I was talking to her on the phone, suggested me to put a stop payment on that check and she charged my debit card over the phone for XX/XX/XXXX payment. I did that. She also charged me a late fee. I told her it was not my fault that the check was lost. But she charged me late fee anyway. 
Since then, they keep sending me letters and calling me for being behind on my payment. They keep charging me late fees. They are threatening me to report the late payment to the credit companies. Ive been on the phone with the mortgage company almost every week since XX/XX/XXXX. I emailed them a copy of my bank statements showing that the money came out of my bank account and was sent to the mortgage company every month. I also emailed them a copy of the confirmations showing that they received the money every month. But I couldnt fix the problem. I talked to and emailed the supporting documents to several managers but every time, there is a new person and he/she has no record of my previous emails and conversations. I have to send the supporting documents again and again. 
I also contacted XXXX XXXX and I called the mortgage company from XXXX XXXX branch. A banker and I talked to a manager at Loan Care and the banker told her that I made my payments every month. But she didnt listen. I filed a complaint with XXXX XXXX. XXXX XXXX mailed me the Transaction ID # for 2 of my payments. They said the third Transaction ID # is from a different department and they will mail it to me. I am waiting to receive the third Transaction ID # from XXXX XXXX in the mail. I dont know what else to do?

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 06/29/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please have equfax update my credit report on Docket number XXXX from satisfied to vacated enclosed is a signed agreement to vacate from plaintiff attorney

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
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: XXXX ask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter dated XXXX that ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Ibr is set up for the college students coming out under the age of XXXX, not for mature adults who have a mortgage, retirement plans, children and other major expenses. At work I was told to get my XXXX to keep my job and now find the repayment plan is almost as much is mortgage payment. Worse yet l be paying into retirement and jeopardizing my future retirement. I can not afford XXXX month payment and my spouse will not pay XXXX of my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (I do not know) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Gulf Coast Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am filing a compliant in regard to the Lawsuit filed against Navient. I too was told to take a " forbearance '' on my Loans. My original Loan amounts totaled $ XXXX. Due to long term forbearance my current outstanding balance is {$170000.00}. This is outrageous and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CO).
Issue: Shopping for a loan or lease

Complaint: We purchased a new XXXX XXXX van XX/XX/XXXX. Chase Bank financed the note at 8 % interest. XX/XX/XXXX, we refinanced another one of our cars with chase which was originally financed at a credit bureau. We have made every payment on both car loans on time and have paid extra bulk payments on the van to the tune of over {$9000.00} of the principle alone since the purchase. I and my wife have only XXXX % debt ratio. I have XXXX accounts open with not one late payment and my wife has XXXX open accounts with not one late payment. We have both been in our jobs and our residents for 5 years. We wanted to trade the XXXX van on a XXXX model and submitted an application for the new loan. The application was denied with no reason given, only an offer to send a rejection letter which will take 15 days. So I thought " OK, We 'll just refinance the van and trade later '' ... .. again that request was denied. How can you have perfect payment history with a bank on XXXX auto loans totaling {$44000.00}. Good credit scores ... .. I 'm in the high XXXX 'S and my wife in the mid XXXX 's. Decent job/resident history. Average income. Plenty of open/closed credit accounts which go over about 7 years and not a single late payment in many years ... .. low debt/income ratio and still be denied reasonable credit??

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SD).
Issue: Problem with fraud alerts or security freezes

Complaint: At the beginning of XXXX, credit bureaus has a massive security leak, and lost sensitive data on millions of Americans. The only thing I can do to protect myself as a citizen, is freeze my credit. My issue, is that all of the credit bureaus are charging for these freezes. Freezes that must be made because of their negligence. It should not be legal for them to charge, because of problems they caused. Also, they have made it almost impossible to use their automated systems for freezing your credit. These credit institutions are obviously taking advantage of the system and the American citizens that make it possible for them to exist. This is disgusting, and must stop ...

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Previously disputed bankruptcy being reported on credit bureau. Was advised the information would be deleted and after several months the information remains.

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 08/26/2017 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: Dear XXXX, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. No documents we 're sent over to the address I have on file for the creditor. The creditor nor any credit bureaus attempted to contact me during this incident until I sent over police report documents, certified letters, etc.

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 03/16/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CO).
Issue: Managing the loan or lease

Complaint: I changed bank facilities in XX/XX/2016. I paid my truck payment on XX/XX/2016, XXXX and XXXX. I made a mistake when I did my automatic payment out of my account because it as XXXX weekend and I did not think my bank took out the first payment. On XX/XX/XXXX I went to my bank and was advised to call XXXX to see if one of the payments in XX/XX/XXXX could be stopped. Instead of stopping my payment in XX/XX/XXXX they refunded my XX/XX/XXXX payment which I never asked for. Now according to Ally their records are stating I was over 30 days late, which I am providing you with my statements that show I have never been late on my payments. My husband and I have spent multiple hours on the phone with Ally and XXXX along with myself have done 3 way calling with Ally trying to get this resolved. We are currently trying to get a real estate loan and Ally is showing a 30 day late payment with my truck and a dispute on my credit report. I just faxed Ally a copy of my bank statements and a letter and they will not return my calls and I can not get to a supervisor to resolve this issue. I believe this was a data entry error on Allys part and I need this fixed as soon as possible because it is affecting our credit.

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 09/26/2015 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and Grant & Webber Attorny, There are XXXX medical bills for my family and they will not bill insurance. 
XXXX XXXX XXXX XXXX XXXX California

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (OR).
Issue: Was approved for a loan, but didn't receive the money

Complaint: Beginning in XX/XX/XXXX, I started receiving letters from Big Picture Loans that I had borrowed {$1000.00} from them in XX/XX/XXXX and that now I owe them {$1900.00} ( Account # XXXX ). At first, I thought the letter was sent in error and ignored it. However, after receiving more letters they believe I owe them this money. I have never heard of this company and never borrowed any money from them and believe that either 1 ) there has been some type of identity theft or 2 ) that Big Picture is engaging in fraud. In reviewing my credit reports there are no hard credit inquiries from Big Picture Loans associated with my name. However, XXXX reported an unsolicited soft credit inquiry on  XX/XX/XXXX by Big Picture. It is for this reason, that I do not trust working with Big Picture with respect to providing them with any confidential personal information, since I believe they may be the source of this fraudulent activity. 

In trying to resolve this issue with BIg Picture they state that their process is to hold a three party call with the bank where the account they have on file is held, in order to verify the account owner and any credits/debits processed in this account. When I called them to initiate the process, they asked for my name and social security number. When I declined to provide my SSN #, they indicated that they could not move forward with the process. The other option I was provided was to fill out Indentity Theft Victim 's Complaint and Affadavit Form, take the form to the Local Police Department, and have it witnessed by a police officer. However, the form asks for confidential personal information, that again I am unwilling to provide, for the reason note above.

I am at an impasse as to how to resolve this issue since I do not trust the source of this claim.

Company response to consumer: Closed with explanation