milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2016 about Payday loan () with BlueChip Financial (NJ).
Issue: Charged bank acct wrong day or amt

Complaint: Upon change from one job to another, I promptly informed the lender that my pay cycle has changed and I would require a change of my billing dates to XXXX that. I was told no problem and representative took note of future pay dates and loan payment cycle. However vendor continued to bill on regular cycle causing overdrafts and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN).
Issue: Fraud or scam

Complaint: I 'm the victim of a scam. You probably ca n't do anything about that, but the used a MoneyGram Payment Service so I believe I should make my complaint here. The scammers found a piece of property I own and made an offer for it on XXXX which we agreed to. I ( stupidly ) sent XXXX as processing fee and, of course, I was never contacted again. The numbers used are XXXX ( XXXX XXXX ) and XXXX ( a bank employee ). These are probably burner phones, but I encourage you to try to find the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have continuously tried to dispute this collection off my credit report because it is reporting negatively and hurting my personal life as far as being able to get approved for lines of credit and purchasing a home.  XXXX   XXXX   XXXX   XXXX  has yet to validate that I owe them a debt. In the paper they sent me it has a computer generated signature and not a original signature. It has not been validated and once before deleted off my report and as of  XXXX   XXXX  2017  it reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I retrieved my annual Exquifax Credit Report on-line dated XXXX XXXX, 2016. Then I received another credit report in the mail dated XXXX XXXX, 2016. I reviewed the credit report and realized that XXXX Mortgage account was reported as " XXXX, XXXX, XXXX & XXXX with XXXX Days Past Due ''. I filed an on-line dispute that I have never been late on a XXXX Mortgage payment. I received the investigation results, dated XXXX XXXX, 2016. The report had the same delinquency. I called Equifax and requested another investigation, dispute # XXXX. I received an investigation results, dated XXXX XXXX, 2016, still had no correction. ( Both disputes investigation result reports are attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MS).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I volunteered to give my XXXX XXXX XXXX to Ally Financial in the year XX/XX/XXXX, however, the amount on my credit report from the company is the entire amount I paid for the vehicle. Ally arranged a tow truck to pick up the vehicle from the XXXX Dealership while it was being repaired. When I called the company to inquire about the amount added to my credit, the company can not find any information that I had an account there or owe any money to them. I have been trying for 2.5 years to resolve this matter and no 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 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have been trying to become eligibile for the military benefit XXXX with Chase since XXXX XXXX! They are declining me because we do n't leave in a community property state, there are only XXXX. This is so disreseptful! 
Accordingly to the serviceman civil relief act, section102,  it is applied everywhere in the USA and is extended to spouses. I have sent copies for the XXXX and continue to be denied

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Medical) with HOVG, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I recieved a notice that a medical bill ( wrongfully ) went to Bay Area collection agency. I contacted the collection agency as per the notice. The person I spoke to was rude and tried to push me into making a payment right then and there. When I explained my situation ( grieving the bill with my insurance company ) he tried to make it sound like I was refusing to resolve the debt because I was not going to make a payment that very day. I asked him about a payment plan and was told the amount of money I could afford ( {$50.00} per month ) was insufficient and that if I did not pay it off in 4 - 6 months ( {$1000.00} per month ), they would send it to further collections and possibly onto my credit report regardless of being on a payment plan. I did not make a payment that day because I wanted to call the billing department and my insurance to determine what was going on. I recieved 6 more calls from them over the course of two weeks. Each time thay I answered, I said I could pay {$50.00} per month and was told again that it was not enough and that I needed to " look at it from the business aspect ''. They did offer a {$600.00} discount if I paid in full, but I can not afford to pay {$5500.00} in full. I finally managed to get on a payment plan for {$50.00} per month under their terms that it was auto debited every month, but was told that this payment plan would only last through XX/XX/XXXX ( 6 months ) before they send it into further collections which could possibly hurt my credit score. Calling 6 times over the course of 2 weeks ( two of those calls in a matter of a few hours ) is completely unnecessary and embarassing when I am having these conversations infront of my family members, especially considering I have been trying to do what I can afford to resolve this debt and every time have been told " you are clearly not interested in fixing this problem. '' I am a mother of two who accumulated this debt from an XXXX XXXX that quite possibly saved my life. I am a real person with real responsibilities trying to make ends meet and do not appreciate being told that what I can afford is not enough and I do not appreciate being harassed when I am clearly trying to fix this problem with what I have. Luckily, I am a XXXX and off for XXXX, otherwise these calls would have been recieved infront of my students and collegues.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CT).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Just received notice ( attached ) that Chase is changing the interest rate terms on my card I have had since 2015. Changing from 7.99 % to 12.99 % APR ; a 62.5 % increase. I called Chase and they said this was happening to better align my terms with what is currently offered. I responded, if I wanted terms currently offered I would apply for a new card. 

My choice is to close this to accept the new terms or close my account. Closing my account will negatively affect my credit ; as my credit history length will be reduced ( I have has this card for 12+ years, longer than the average account on my report. 

I was given no other option, Take it or leave it

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Medical debt) with Centron Services (MT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Was paying the original " creditor '' ( hospital ) as agreed since 2015, and was sent to collections because original creditor claims a payment plan was not set up, in which it was.
The collections agency is attempting to collect two and one half times the amount of the original debt, and informed me that " it must be interest ''. I am within my 30 days to obtain information from the collections agency to validate debt. Credit Systems out of XXXX Montana is attempting to collect a debt of {$1000.00}, and their interest is {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: You are awesome! You helped me refinance with my mortgage company!! 
The mpi or pmi dropped after the refinance. Is there someone who I could contact in regards to lowering my insurance premium with a fha loan. Any help you can give me would be appreciated. 
One more thing. I make advance principal payments after I pay my mortgage and some how a payment ends up in escrow! I have spoken with my finance company before about this. Several times actually and to no avail they continue to put extra payment in escrow! 
Thank youXXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello my name is XXXX XXXX, I am submitting a complaint on both Ditech Financial Mortgage Loan- Second mortgage and all 3 Credit Bureaus ( XXXX XXXX XXXX and XXXX ). 

On XX/XX/XXXX I called XXXX to have verbiage remarks removed from Ditech and hours latter my credit score dropped 65 points. I called XXXX back to find out what caused this and after about 20mins it was discovered that my payment history with Ditech was removed by Ditech while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they Ditech does n't have a problem with the dispute. 
XX/XX/XXXX, I also requested that XXXX and XXXX remove the same verbiage from my closed account with Ditech and 4 days later my XXXX score dropped 81 points. I am assuming XXXX is to follow in the pattern however the current scores as of XX/XX/XXXX does not reflect a drop. 
I have NO late payments as ofXX/XX/XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( 4 in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Trans Union XXXX XXXX XXXX XXXX XXXX, Pa XXXX Date XX/XX/18 RE : XXXX XXXX XXXX Acct # XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ga 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 03-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I properly disputed an unrecorded lien on my credit report to no avail. There is no recorded lien or released lien # XXXX from this Court for this date for this amount. I have documentation from XXXX County Recorder of Deeds that supports my dispute of this erroneous entry on my report.

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 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XX/XX/XXXX I spoke with a representative @ Equifax to report my previous address were incorrect. They representative told me the addresses were removed. I just received a copy of my credit report and the incorrect previous address are still reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX never been my address Date Reported : XX/XX/XXXX - not factual I was living in XXXX XXXX TX XXXX XXXX XXXX XXXX MS XXXX This is my mother in laws house I have NEVER LIVED there. Date Reported XX/XX/XXXX XXXX. XXXX XXXX XXXX MS XXXX This XXXX. XXXX is not mine it belong to my husbands family in the late XX/XX/XXXX I was a child, was unaware of my husbands family at that time. Date Reported XX/XX/XXXX My spouse history is not Mine XX/XX/XXXXand Equifax keep telling me that these address are associated with accounts which is not factual. All of my creditors have a XXXX XXXX Texas address and a XXXX MS address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with SN SERVICING CORPORATION (NC).
Issue: Struggling to pay mortgage

Complaint: During the month of XXXX I receive a letter from a mortgage company that i was not familiar with and they stated that i did not have hazard house insurance. So i call them and they informed me that my 2nd mortgage had been sold to another company by the name of SN Servicing Corporation, so they gave me their number and i made contact with that company, after talking with that new mortgage company they inform me my loan had been sold. I inform them that i did not receive a phone call or any type certify notice that my loan would be or has been sold, they stated that they don't have to send out notice and stated they did mail out a notice. After several phone calls to this company to inform them i was unaware of the sale and that my account is three months behind due to the sale of my mortgage and ask them if they could modify, refinance or move what was behind to the rear of the loan they refuse help or to give any assistance on that matter rather they insist if you can't pay then i suggest we will have to start foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: To whom it concerns if anyone, I have several DLPLUS loans through Fed Loan services. I have talked to several customer service representatives that have given misleading information. After talking to them about several different loan options like " Pay as you earn '', " income based '', and " revised pay as you earn '' programs all the income based programs that I have gotten quotes on. Then I called company to complete documents for these programs and was told I do not qualify for by another rep. I started talking to so called supervisors of these departments and they recommended that I consolidate my loans. I was told that if I consolidate XXXX of my loans online and consolidate the remaining XXXX loans on paper copy. Then I would have consolidate the XXXX consolidation loans. Then I would then qualify for the income driven plans. Which are much cheaper monthly payments. So then I had to go to another company " XXXX. '' Which has the online consolidation form I needed to fill out to consolidate the first set of loans. So I start the process and needed assistance so I contacted their support number. I talked to a supervisor in that company and she informed me that I only qualified for the income contingent plan that was ridiculously high. Like {$1600.00} a month. There is no way I am signing my name to that amount for just part of my loans through this company. I got on computer to inquire about FED Loans Services and there are thousands of people that experience the same kind of service. Meanwhile they stall and keep me on payment forbearance which accrues interest. This is the biggest scam I have ever seen. And this is a company that controls our kid 's educational future. And this is a Federal Program that should be an embarrassment to government officials that implement these programs. That being said I still have gotten " No Where '' with getting my loans consolidated and or gotten reliable information as to what loan repayment plans that I qualify for that are affordable. This is such a large problem that only thing I know to do is to contact a lawyer which is coming from a person that can not afford to pay these XXXX loan payments. Very upset. 
I am not sure if you can assist me in getting this issue resolved. 
Just to make you aware of how big this issues is here is a couple of links to look at about Fed Loans servicing. Which are not virus links. 
http : XXXX http : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting an incorrect balance on one of my accounts. I sent them a dispute letter on XXXX/XXXX/XXXX including proof consisting of a notarized AFFIDAVIT OF DEBT signed by an employee of the creditor. Equifax did not respond to my dispute. On XXXX/XXXX/XXXX, 50 days after I sent the first letter I sent Equifax a 2nd letter notifying them that the 30 day time limit for responding to my dispute was up and that they were now required to delete the account in question. On XXXX/XXXX/XXXX I received their response saying that they have updated the account. They still listed the incorrect balance, but more importantly, their response was too late - it was dated XXXX/XXXX/XXXX which is 68 days after I mailed my initial dispute. The FCRA section 611 ( a ) ( 1 ) ( A ) clearly allows only 30 days for their response. They must DELETE the account. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have tried numerous times requesting TransUnion to send me documentation on how the " verified '' this alleged debt on XXXX XXXX. But according to FCRA, Section 611 ( a ) ( 5 ) ( A ) ( i ) and 15U.S.C. 1681g, I have the right to demand for those documents that are used to " verify '' an alleged debt. But with TransUnion refusing to do so. TransUnion has violated my rights as not providing documents in how this alleged debt has been verified. I have sent multiple letters requesting proof of how TransUnion verified the alleged debt. I have not got any documents and only one dispute result which stated, " verified ''. I have been asking for documentation for the last 2 to 3 months and received nothing. I am asking, " where are the documents that you used to verify this account? What is the name of the person in your company who verified this account? What documents did they use to verify them? TransUnion has refused to answer this questions and to send any documentation.

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 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: discrepanciesI 've noticed an collection account on my XXXX report that I was never notified of. I was XXXX and was XXXX in XX/XX/2012. I recently seen this item on my credit report and disputed it as the debt was unknown to me the time. I received paperwork verifying the debt. The information include in the paperwork is inaccurate as well as never being notified of the debt. I have copies of XXXX and can also point out the discrepancies within the documentation sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The problem I am having is that I have XXXX Georgia Department of Revenue state liens on my credit report with Equifax and the liens are not correct. The reference numbers for the liens are : XXXX and XXXX. Attached you will find a screenshot from the Department of Revenue Delinquent Taxpayer List and as you can see, I 'm not on it. You can see for yourself at the website by typing in my name XXXX Thank you in advance for helping me get these removed from my credit report.

Company response to consumer: Closed with explanation