milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (HI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I contacted XXXX today, XX/XX/2011, after repeated phone calls to myself ( sometimes multiple calls per day ) as well as to family members -- in order to request their address so I could send a registered-mail written request to cease & desist phone contact as well as to request a written notice of the debt. 

I was abruptly interrupted & asked if I was going to pay this debt. I responded that I was not going to have that conversation at this time & repeated my request. I was again interrupted & the agent began shouting at me, disregarding my request & asking me if I was going to pay the debt & why I was n't. I requested their address a third time & stated that I would be contacting the FTC, at which time the agent said she was transferring me to a manager. At this point I hung up & called FTC. 

The agent did tell me that the debt was in the amount of {$6800.00} / Chase Bank, which according to stale debt/time-barred legalities, exceeds the statute of limitations as this account was closed & has not been paid on for at least seven-years.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Due to the fact that my situation is not above for me to choose from. I am willing to explain it here below. I had the equipment from XXXX after canceling the equipment from my business office. In which XXXX, placed my XXXX in XXXX and i am paying on that service at this time correctly. So, in that case XXXX should be removed from my credit 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 11-04-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I accidentally attached the wrong image to my last request so I am re-submitting it. 

We canceled the time share within the allotted time based on our contract. XXXX XXXX and XXXX both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I can not reach a person to make payment arrangements nor do I agree with the balance shown on XXXX TransUnion and any other credit agency XXXX XXXX Walmart responded to you about my first complaint and nothing in her response was true nor was I able to reach her or the number she provided to make payment arrangements

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 06-01-2015 about Debt collection (I do not know) with NORTHLAND GROUP INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Northland Group called me on XXXX XXXX, 2015 regarding a debt owed by XXXX XXXX, the person who had my current phone number until last summer. I was assigned the phone number XXXX and have been receiving calls for XXXX, whom I do not know, have never met, and has never lived at my address. I requested Northland Group take my phone number off their call list and they said they would. I asked which company was collecting the debt so I could talk directly to them and they refused to tell me. I saw on my caller ID that Northland Group called again on XXXX XXXX, 2015, a week after promising me they would not call.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The open collections notice was never received previously but all of a sudden appeared on my credit report. 
I have not received any letter or notification regarding this balance or account. 
This account is not familiar to me and I wish to find out if my social security number has been misused or subject to identity theft.

Company public response: Company chooses not to provide a public response
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. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax improperly handled my financial information in such a way that it became hacked and I must now assume that the information is public. I used their tool this morning at https : //www.equifaxsecurity2017.com/potential-impact/ to determine that my information has indeed been hacked. 

Equifax has done nothing to notify me of the problem other than " issue a national press release '' after a substantial delay ... I should have been notified within days that my data may be impacted so that I could take steps to protect myself but instead the company waited. Equifax claims that this is because it took a long time for their cybersecurity investigators to conduct a review but if the impetus for the review in the first place was that the company knew about a potential breach of this magnitude then this is no excuse to keep that information private for as long as they did. I personally suspect that at substantial factor in the company 's behavior with regards to timing the release of this information was having their public relations team examine how this issue affects the company 's business, which is unacceptable. 

Equifax has offered free monitoring through their new site related to this issue https : //www.equifaxsecurity2017.com, but only if I relinquish some of my legal rights to collect from them should this breach lead to damage against my finances. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a formal complaint that Equifax is NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, Equifax has damaged my name, and my credit. Equifax has entered derogatory information into my credit file. 
A request has been made for the company to provide validation of this debt. So far, the company has not comply with this. The current account is a false account which I 'm not responsible for. 


Account name XXXX Account number XXXX .... 



Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problems caused by my funds being low

Complaint: After XXXX years of banking with Bank of America and being a GOOD customer, i made XXXX mistake and now they are treating me like a CRIMINAL! I am NOT a criminal, i have a good hard working american and deserve to be giving a XXXX chance for this dumb mistake. I have had problems getting good jobs, when i have GREAT work history and experience becuase of Bank of America putting me on XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Perfection Collection (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing to inform you that Perfection Collection LLC has placed information on my credit file even though I had disputed them within 30 days. They are a third party debt collector and I have not contract of agreement with them. They continue to report the negative information on my file as if I have a current account with them. 

I am providing further information to support my dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/29/2017 about Payday loan, title loan, or personal loan (Payday loan) with CNG FINANCIAL CORPORATION (AL).
Issue: Was approved for a loan, but didn't receive the money

Complaint: I applied for a payday loan with XXXX on XXXX/XXXX/XXXX. I received an email stating the loan was finalized. I never received the funds so I called the company. They said the loan was denied and I would receive an email detailing the reason for the denial. I did receive the email and the reason for the denial was that I had another outstanding loan. I then called XXXX XXXX and was told that I have an outstanding loan with XXXX, even though the loan was never approved. No one at XXXX seems to be able to resolve this issue and no one has been able to assist me with having this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Transaction issue

Complaint: The bank of america applied my lump-sum payment to the lowest interested balance rather than paying the highest one. Is n't that a law that credit card co. has to pay highest interest first? 
I had XXXX balances that the promotional rate will be ending at same date on XXXX/XXXX/2016 On XXXX/XXXX/2016, I paid {$4000.00} toward ( I thought, ) soon will go up to 15.24 % ( balance {$4000.00} ) But BA applied it to the another balance that would go up to 7.49 % ( balance was {$5100.00} ) * And the balance of 15.24 % of {$4.00} ( XXXX 2016 ) was increased to XXXX ( XXXX 2016 ). {$5.00} more without the cause! Why? Reps could not explain to me about all these.

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 monetary relief
Consumer complaint received 12/28/2016 about Debt collection (Non-federal student loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: TransUnion has refused to stop allowing an collection agency to report incorrect information on my credit report. XXXX receivedan email from the reporting student loan company that they had the wrong person. TransUnion was made aware of the email and the fact that the student loan told XXXX that they had the wrong person in writing. TransUnion has denied me the right to good credit with this incorrect information. This is affecting my life and my kids life. I 'm a homeless mother trying to buy a house. I ca n't with the fact that TransUnion is ruining my life and any chance of financial help due to misleading information that is placed on my credit report. I 've filed a lawsuit against TransUnion because of how I was treated by them and the lack of concern that was givven to my identity theft case and proof that the company admitted that they had the wrong person. They said they did n't care do what I had to do so that 's exactly what I did.

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 08-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I arranged with XXXX for phone, tv and internet service in XXXX 2015. The installation was badly botched and none of the services worked. Nevertheless XXXX XXXX sent a bill for {$43.00} for XXXX service and within weeks sent it to collection. I subsequently received a gift card returning {$18.00} from XXXX XXXX ( a subsidiary of XXXX ) indicating no further payments due. But XXXX sold the account to XXXX XXXX who then. Now I 'm getting called by a XXXX debt collector Diversified something or other.dropped efforts once informed of the XXXX response.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has my payment history wrong! This is making an impact on my score. They list me as paying 92 % of the time. The reason they say is because I have XXXX closed accounts for various reason, ( I.E. lost card, closed account ) all the accounts listed have XXXX balance but there is no payment history on the closed accounts, so Equifax has them listed as MISSED payments when in fact they are not. They give me a " VERY POOR '' payment history, this can prevent me from obtaining credit or force my interest rates higher. Their information is not the same as the other XXXX agencies that have it correct, NO MISSED PAYMENT 'S. My payment history is 100 % not 92 % as Equifax is telling prospective creditors!. They are perpetrating a lie and actually it is a slander to me personally. IF an agency can not verify a so called " fact '' it has to come off my report, not listed as a missed payments! I did not dispute with them because the credit agencies would rather help the creditors because they pay to report. They ( agencies ) do not make money from the consumer, hence the charges for a personal score or credit monitoring by the individual consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Credit decision / Underwriting

Complaint: In XXXX of XXXX, I met XXXX individuals from XXXX. They told me that they did n't think that I would qualify for a loan modification. I received letters from a foreclosure attorney in XXXX XXXX who was beginning the foreclosure. Shortly after that time, I received calls from the Loan Modification team at PHH. I found this a bit strange because I thought I was XXXX3 months away from being foreclosed upon. Now, some 5 months later, with me being charged some {$6000.00} per month - as I have been for at least 2 years, - this money being added to my loan balance. My fee 's, penalties, and other moneys outside of my original balance of {$230000.00} is now over {$230000.00},. Total owed is the addition of those XXXX numbers. 

So my starting balance before I was unable to pay this mortgage was {$230000.00}. 

Here 's my point, is this some sort of game to just keep inflating what I owe the bank? Or is this continued mortgage modification process now going into its 18 month, genuine. When this last modification program was resumed in XXXX of XXXX, I was speaking with a XXXX XXXX XXXX. XXXX XXXX asked me for nearly all of the documents that I have submitted ad infinatum over the past year and a half. Every document he asked for. 

And now, I find my self once again, with a different loan modification officer, XXXX XXXX, who is asking me essentially for the very same material. Bank Statements, Income Statements, Uniform Borrows Statements etc etc. I have submitted these statements I have lost track of how many times. at least over 15 months. 

So bottom line is this. I believe PHH Mortgage Company is, and has been for over a year, acting in bad faith.This is illegal. I believe they have been doing so because they know the worth of my property, and they are looking to get every last penny of what it 's worth.So bottom line ... they have been playing with me simple to inflate what I will eventually owe them. 

Had my property been foreclosed on, 8 months ago, I would be taking home over I might have been able to take home maybe {$50000.00}. Today, I will not be in the black, and indeed be forced into bankruptcy. Had I been foreclosed upon during the banks first attempt to foreclose 4 years ago, I would be coming out of that foreclosure with possibly as much as {$300000.00} plus. 

This whole system loan modification at PHH has been 1 ) an acting in bad faith, 2 ) totally incompetent and 3 ) a violation the law on several occasions. As far as I 'm concerned, I have lost over {$200000.00} + because of all the factors mentioned above. 

Please please please, tell me what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Other debt) with The Receivable Management Services Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I changed my car Insurance from XXXX XXXX, policy XXXX. XXXX to XXXX XXXX, policy XXXX. XXXX. Later XXXX XXXX send me invoice for {$140.00} and said that if I had insurance before cancellation date with them which was XX/XX/XXXX, they will review and cancel their demand. Despite of sending them my new insurance info, they didn't care and forward my debt to R.M.S. Collection agency. On my phone call with R.M.S. on XX/XX/XXXX, and faxing them the document showing I have insurance before XX/XX/XXXX, the report it to XXXX XXXX. 
Despite of sending copy of all docs and letter explaining the fact, they didn't care about my demand to Delete it from my report. 

I now demand that XXXX XXXX review my documents and delete it from my report. 
Thanks, 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 07/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Direct TV has tried to collect a paid bill for over 6 years. The last XXXX statements were dated XX/XX/2009 stating I owed {$440.00}. The invoice was paid and next statement dated XX/XX/XXXX shows the bill has been paid and the balance is {$0.00}. But yet XXXX XXXX has continued to turn the " collection '' over to many collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONWIDE ADVANTAGE MORTGAGE COMPANY (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I have filed a complaint in regards Nationwide Advantage Mortgage reporting me to credit bureaus affecting my credit file and creating a big financial burden on my business ability to get bonded and obtaining credit as well they had said yhey were going to remove the late payment they said I was late on in which I made the payment on XX/XX/XXXX and they proceeded it XX/XX/XXXX my credit score has drastically dropped Nationwide is preventing me and my family hardship not allowing us to refinance our mortgage due to reporting us to the credit bureaus they even stated for me just to quick claim the home to them me and my wife have been paying The mortgage 9 years this is how Nationwide repays it customers they said the would inform credit bureaus to remove the late payment pass 30 days and they have n't I disputed my late payment with transfusion and they said that Nationwide said it was accurate they lied to me and CFPB in not fulfilling their part. Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AP).
Issue: Loan servicing, payments, escrow account

Complaint: Sir or Ma'am, I have problem of the Mortgage Company CARRINTON MORTGAGE SERVICES, LLC. I want to make a complaint. I am asking about the reinstatement letter loan that it IS NOT showing in details or itemized about what month that I owe, and what month will be paid but the company is not cooperating. Please help me if you can to let this company send me a bill with details or itemized what month I owed them. Thank you. 
Point of Contact : : " XXXX ; XXXXXXXXVery Respectfully, XXXX AP XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 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: there was a real big computer glitch, which was TransUnion 's problem not mine, the glitch caused my inquiries to be deleted, TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added, being that it was there fault that they had a glitch, now I being held responsible and these inquiries added a hardship to m, and now my rights are being violated by TransUnion. please I 'm asking you CFPB to help me make TransUnion stop victimizing me and other people. I 'm Asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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