milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery has been calling me and all my family members on their cell phones continuously. They are calling my home all day long. I have tried talking to them, but are rude and not willing to listen. This is over a ten year old account, when I was laid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2016 about Debt collection (Medical) with Stanislaus Credit Control Service, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was struggling to make payments due to a lack of support in finances for a period in my life

Company response to consumer: Closed
Consumer complaint received 10/30/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (AL).
Issue: Problems when you are unable to pay

Complaint: I took out a {$500.00} online loan from Big Picture Loans. I was under the impression that it would be a {$150.00} finance fee. It was n't until after the funds were disbursed that I was made aware of the Truth in Lending Disclosures and that the finance charges were actually XXXX with an 542.4636 % annual percentage rate. I am now stuck paying over {$2000.00} for a {$500.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX / XXXX / 16  Called credit bureau to try to have inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Student loan (Federal student loan servicing) with Account Control Technology, Inc. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The borrower, XXXX XXXX, had agreed to XXXX loans on behalf of his daughter, XXXX, and it would appear that payments were not made timely so the matter was referred to a third party debt collector, Account Control Technology , Inc. ( " ACT '' ). ACT has claimed that it has acted on behalf of XXXX XXXX XXXX XXXX XXXX, the creditor. ACT has more than doubled the debt by adding to the loan principal, without explanation, and adding a collection fee which equals more than XXXX third of the amount which XXXX XXXX has appeared to borrow. We have asked for substantiation and clarification, and received no response. Out letter to ACT, with exhibits, is annexed. 

Meanwhile, ACT has served a notice of garnishment upon XXXX XXXX 's employer based upon the inflated amount being demanded and ACT has ignored our demands to refrain from collection activity until we can clarify the matter, as requested. 

We are seeking your assistance since it would appear that ACT has unlawfully increased, perhaps doubled, the amount of any sum which XXXX XXXX has borrowed, and they are trying to use Federal Regulations to their advantage, to try and collect an amount which is not lawfully due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has made it absolutely impossible to change to an income-driven repayment plan. Every time I submit something it claims I failed to submit something else. I 've sent everything at least twice now. Now, it claims because I did n't include the word " gross '' on my income statement, they will not approve me for income-driven repayment. My loans were put into deferment during this period without my permission, which has cause my interest and balance to go up by at least {$1000.00}. I told them I would pay the full amount until this was resolved but I was still put on a deferral program.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I submitted a credit card application with American Express which was approved. The application required my physical home address. This is the same address which was included on the credit card application. 

Our mailing address for four different locations including my current address are forwarded a post office box. One credit card was delivered to my physical home address. I added three authorized users explaining to American Express that the additional cards could be forwarded to our post office box. 

Attached is a copy of a letter in which American Express changed my physical address and is requesting my physical address. I called the company several times requesting to speak with a supervisor. The supervisors never returned my call. American Express suspended my purchasing privileges.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Mortgage (Conventional home mortgage) with Statebridge Company (MA).
Issue: Trouble during payment process

Complaint: Refused a payment so I could get caught up on one payment. They said they already sent out two letters of intent to foreclose ???? Why would that be if only late 1 month now all sudden 3. Never received said letters or notifications. This morgage sold by XXXX last year and already increased morgage due to increased escrow but my ins company denies any increase. Also delays in check processing on their end givescynfair late fees. They want 3 months morgage totaling over 3000.00 in 3 weeks

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Payday loan debt) with Tribal Lending Enterprise, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A payday loan was obtained with my personal information without my knowledge or consent. The loan amount was {XXXX} and deposited directly into an account with XXXX XXXX where I do not have an account and when I called them and gave them the account number I was informed that the account was not in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: About 3 Or 4 mouths ago when I review me statement I fount transaction I did not made them I filed a claim and chase bank remove that transaction I found It again in my statement On XX/XX/2018 amount is XXXX it is for XXXX XXXX I contact XXXX XXXX company and asked them if I bought anything from the company or I have to pay anything to the company and they replayed that I did not made any transaction or bought anything from the company. ( please see the attachment ) I also contact chase bank about same transaction and the answered that the order is shipped to my address and it was under my name. 

I did not made this transaction and I did not receive anything The company which ( sold ) me said that they never sold any thing under my name

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX XXXX and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to XXXX XXXX XXXX XXXX. Since this account was paid in full in XXXX XXXX, it is MORE THAN 7 years old and the good credit should remain however, on each and every credit report it is duplicated and now in triplicate with XXXX XXXX showing up as well as XXXX. 

I do n't understand why number one an account that is paid in full was sold to an outside collection agency and two why can both XXXX and XXXX funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XXXX XXXX. 

In addition I have a good credit account with XXXX XXXX that was opened in XX/XX/XXXX with a high balance per month due to my work travel in the amount of $ XXXX.I have had to request that this good credit line be put back on my bureau reports in excess of 3 times. I have documentation to this fact if necessary. 

Of course this affects the FICO score because the age of credit is a part of the algorithm. It is a mystery to me how good credit can just fall off but inaccurate credit can be reported XXXX different ways. 

I sincerely appreciate your help in this matter as I can not get resolution from the creditors, the bureaus XXXX, Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Consumer Loan (Vehicle lease) with U.S. BANCORP (MN).
Issue: Managing the loan or lease

Complaint: US Bank ignored my XXXX XXXX letter. 
I have a {$1300.00} charge off from US Bank, and they wo n't explain why. I have disputed with the Credit reporting agency 's, and it comes back as verified. I then sent US Bank a Direct Dispute request under the FCRA 623 and they completely ignored it. US Bank received my Direct Dispute letter XXXX XXXX, 2015 at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold checking account with Citi in late XXXX XXXX. At the time, they were offering a XXXX point XXXX bonus offer for meeting minimum terms within 2 months ; which I did. They were supposed to credit those points to my account within 3 months of meeting the spend, which at the latest would have been end of XXXX. I have written them and they have acknowledged that I met all requirements but then tried to say that they did n't have my XXXX number and would credit it as soon as I got it to them. This obviously is not true because on my account page with Citi it shows my XXXX membership information. I called on XXXX/XXXX/XXXX and gave them my information over the phone expecting an immediate response. Today, over a month later, I still have gotten nothing from them except they continue to charge me the {$30.00} fee to my account. Please Help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XX/XX/2015, I refinanced my home loan with Bank of America. The proceeds for the refinance were wired and the payoff was processed. On the payoff statement, Bank of America advised they would refund any applicable escrow proceeds within 30 days. When I received my overage, it was far less than I anticipated by roughly {$400.00}. Over the span of 3 weeks, I spoke with XXXX people at Bank of America who assured me my proceeds would be refunded to me. The explanations varied from my loan being packaged to be sold which required B of A to over-pay my escrow to a timing of my payoff. It makes no sense why the explanation varied but at the end of the day, I 'm owed a refund. As of today, Bank of America has not only failed to send me my money but waited until XXXX/XXXXXX/XX/2015 to advise that my loan was paid in full. According to HUD, they advised I 'm not entitled to a refund due to the timing of the loan termination paper work. I wish to fill a complaint due to Bank of America 's willful intentions to withhold my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2017 about Student loan (Non-federal student loan) with Gurstel Law Firm, P.C. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: On XX/XX/XXXX, I was sued in XXXX County, XXXX Superior Court by XXXX via XXXX. I received a judgement and the collection agency that contacted me to collect on XXXX loans was Gurstel Chargo through Attorney XXXX XXXX XXXX, whose phone number is : XXXX and email address is : XXXXXXXXXXXX. Gurstel Chargo 's local address is : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. A payment schedule was agreed upon and I began making payments XX/XX/XXXX. Gurstel Chargo has XXXX file numbers for these loans : XXXX and XXXX. They have a Processing Center at : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX, Fax, ( XXXX ). My complaint is the consistent failure or refusal by XXXX XXXX or the Processing Center to send me periodic payment statements indicating payment history and the amount of interest I have paid on these loans as this information is necessary for tax purposes. I had a conversation XX/XX/XXXX with XXXX XXXX that he agreed verbally to send me a statement every two months. I recently, again requested XXXX XXXX send me a 2016 year-end statement indicating student loan interest paid by leaving a phone message on his voice mail XX/XX/XXXX. He has done nothing since XX/XX/XXXX. I have called the Processing Center on two occasions XX/XX/XXXX requesting a payment history statement and they informed me both times that they do not send out these statements. I have no idea if my payments are being properly recorded or how much I still owe. Also, I have no idea my that payments are being applied to my XXXX loans from XXXX because this is XXXX that have a pool of loans. I never pursued the issue of ownership of XXXX owning my loans from XXXX before a judgement was rendered because of a lack of resources and I was assuming an executorship of a family member 's estate who was XXXX XX/XX/XXXX that made it difficult to get to court to defend myself. Could you please address these matters because I am tired of Gurstel Chargo 's arrogance in their dealings with me. Also, I have filed a complaint on XX/XX/XXXX with the Attorney General 's Office of XXXX. Nothing has been reported by them to date. Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credit report shows several inquiries for new lines of credit that I do not recognize, 3 are from the same company/credit card bank. And also XXXX XXXX where I was in a fraudulent issue in XXXX, it is still showing in a very negative impact on my report. Ive have numerous issues with my cell phone also in reference to my bill being a huge amount. Was in a fraud investigation with XXXX and they said they could not find anything, actually 3 times with XXXX. With XXXX XXXX XXXX I received paperwork by mail in which I returned and then I received a letter stating they did a thorough investigation and found it was fraudulent activity and I was not responsible for any amount charged. I feel like someone has actually taken my identity now that I think about everything that has happened over the last 2 years. Also, I was in a XXXX claim since XXXX and just now have been deemed XXXX XXXX XXXX. Im not familiar with this type of issue of fraud, so I am not sure what to do. But when I received an email and have been receiving several emails saying inquiry on my credit report, I really didnt pay any attention and thought it was just spam. So, I really do not know how to proceed with this or where to start. And it is not just XXXX XXXX that I have a problem with, there are several others, some I mentioned within this note and there is also one on my credit report that has an address of Delaware or Maryland and I am not for sure the name, it was abbreviated on my report. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit card () with DISCOVER BANK (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I do not recognize this account it is not mine and needs to be removed as my identity has been stolen and this is a result of identity theft I have included a copy of my police report and a copy of an identity theft affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account belongs to my father. Experian updates the account and states that it belongs to me. My father XXXX XXXX called XXXX in XXXX and recorded to the CS rep. that he did not authorize XXXX to add me XXXX XXXX as an authorized user. He requested that they terminate me from his account and they did. XXXX re-investigated and removed XXXX from my Credit Report. I need Experian to do the same. I request that Experian to review the recordings that my father left with the XXXX Customer Service Rep in XXXX. In doing so, Experian will find that XXXX added me without my or my father 's authorization. ( THIS ACCOUNT DOES NOT BELONG TO ME ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have noticed XXXX accounts on my credit report that I am un aware of. 
XXXX XXXX and XXXX. I have tried to contact these companies by the address listed on the report for debt validation and have gotten no response. I would like Equifax to investigate and provide me with documentation they receive.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 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: Information belongs to someone else

Complaint: Equifax may have sold my personal and private information to a 3rd party creditor or debt collector without my permission.
[Letter #5]  Equifax was founded in XXXX, GA, as Retail Credit Company in 1899
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Every year since I got my home my escrow has been screwed up one way or another by Chase bank. Every year my mortgage goes up and down but this year now they are telling me I am over {$1600.00} short and to keep my payments they way they are I need to come up with over {$1600.00}. Per them it is for taxes ( not due until XXXX of 2016 ). How am I short for taxes not due for over a year? Do n't my payments build up my escrow so that there is money in there come XXXX? This happens every year. I said that does not add up and they tell me I am wrong and will not clearly prove to me where they are right and where I am wrong. I called a lawyer and per him I am just screwed as there is nothing in the law that protects me. I also tried several times over the last several years to refinance my home because the rate is 6 % and it is killing me. So far Chase tells me they can help me and that someone will call me but I have never been called back and the XXXX time I did talk to someone they told me it would cost {$1800.00} to refinance. The part the confuses me about that is my neighbor refinanced his home and it only cost him {$400.00}. He too is with Chase and he owes more on his home. I have no idea what to do or where to go and if this does not get addressed I will lose the house as I can not afford the new payments while my wife is out of work dealing with medical problems.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit card () with WELLS FARGO & COMPANY (MO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a failure in one of my old HVAC units and I visited with the contractor who fixed it about getting a new system. When I did he told me they had a special 0 % financing for 36 months offer through Wells Fargo. I said that would be great let 's go ahead and do that. So the contact said well let 's see if you are approved for the 0 % financing. So we submitted information online to see if I would be approved fort he amount I needed to replace the units. I was not and that was the end of it. I told him to work on a way to get me approved for the whole amount or he would just have to wait till I saved my nickles to pay for the units outright. I thought everything was fine. A week later I received a credit card from Well 's Fargo for the amount I was approved for. I never knowingly agreed to open a credit card with Well 's Fargo and it is fraudulent for them to take my inquiry as authorization to open an account in my name. This practice needs to be outlawed and Well 's Fargo needs to be fined twice as much as they have made using this fraudulant and misleading new account sales technique.

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 10-01-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I Received Notification That Experian Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX, And XXXX. XXXX These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My Experian Credit Report Is Still Showing My Debt As {$4800.00} And This Is Not Correct. And The Credit Reporting Agency Should Know, That The Balance is Zero.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation