milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2017 about Vehicle loan or lease (Loan) with VW Credit (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid off the total balance in XXXX XXXX and as today ( XXXX XXXX XXXX ) it appears in my credit report that I have an outstanding balance of {$18000.00}. The last date reported was XXXX XXXX XXXX and the last payment reported was on XXXX XXXX XXXX. This incorrect and dated outstanding balance is damaging my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was criminally negligent in protecting my personal identifying information, which was exposed during the recently announced security breach affecting 143 million consumers. This has the potential to cause irreparable harm to my credit, along with hundreds of millions of others. There is no way to guarantee that this information will not be used in future cases of identity theft, which will thus require strict life-long credit monitoring for fraudulent activity at my own expense. The damage that can occur if I am the victim of identity theft due to this data breach is enormous, and the consequences devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: I Want to file a complaint about Bank of America For Foreclosing wrongly on me and my familys only home we had and loved! Bank of America ruined our life 's and we have been XXXX ever since they wrongly foreclosed on me during a loan modification I was almost done with and approved for! Its been almost 3 years since Bank of America took our home and all I received from the lawsuit was XXXX. Thats not even a mortgage payment! How is this fair or rite at all!? Bank of America should have to give us back our homes or help us get new ones since they were wrong and took everything from us we worked so hard to get!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: PNC Mortgage # XXXX Please understand, we are trying to avoid a Foreclosure ad we have moved from the home and can not carry the costs of this vacant unoccupied home any longer. There is an active buyer with a full list price offer. 

We applied for a short sale in XXXX XXXX. It was conditionally approved with a list price of $ XXXX. We then obtained a buyer for that full list price and moved out of the home. All of a sudden, in XXXX we were sent a modification offer, no response on the short sale application. We were told ( through our realtor ) to submit a new letter of intent to PNC Underwriter for the short sale and was told to wait 30-45 days for the bank to convert the system back to a short sale template. That brought us all the way into XXXX XXXX. Then the last week in XXXX, we were sent a denial for all options including mod and short sale. A few days later we were sent a HAMP mod offer again???? Within that same letter it states approved for XXXX ( page XXXX ) and denied for HAMP ( page XXXX ). Which is it?. Besides we applied for a short sale not retention. We moved out of the home in XXXX to accommodate the short sale based on the first condition approval. We are still carrying costs for the subject property and now expenses/mortgage for our current residence. I know those new expenses were not accounted for in our review. Nor do I believe the investor was made to understand that any rental income amount in the subject propertly will never offset the proposed modified payment. 
Our potential buyer is going to request us to cancel the contract and return earnest funds if we do not have a resolution shortly. I do not see any reason this short sale can not move forward and close asap however I can not contact PNC or receive any responses directly and the firm takes a minimum 2-3 weeks to review the status with the client each time. 
Again, we are trying to avoid a Foreclosure ad we have moved from the home and can not carry the costs of this vacant unoccupied home any longer. There is an active buyer with a full list price offer. 
Please assist. 
Thank you

Company response to consumer: Closed
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Credence Resource Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an accident and was transported to a hospital by  XXXX   XXXX    XXXX   XXXX   on  XXXX / XXXX /  XXXX   They are located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX   XXXX  CA.  XXXX  Phone  XXXX .      XXXX   XXXX  sent me a bill for {$2500.00} and I gave them my  Health Insurance information (  XXXX    XXXX   ).   XXXX   XXXX  paid them the contracted amount of {$2000.00}.     Since they had a contract with  XXXX   XXXX  they have agreed to accept that amount for their service. I do not owe them the difference.     They sent me a bill saying I owed the difference. I called them with  XXXX   XXXX  on the phone and  XXXX   XXXX  confirmed that I did not owe them anything because they had been paid the contractual amount.     They sent me another bill, I conference called  XXXX   XXXX  again and we told them the same thing.     Now they have sent the account to collections.     I called them AGAIN and told them I do not owe them.  XXXX   XXXX  faxed them an explanation of benefits to prove this.     I am still receiving collection calls and letters.

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 12/18/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been receiving calls from a company called EOS CCA. When I answered, they asked for my sister and when I told them that I was not ( a ) a female or ( b ) that person the lady on the phone got chirpy with me and demanded the contact information for her. I informed her that this was illegal and I was going to file a complaint ( which I am doing now ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I HAVE CALLED THIS COMPANY NUMEROUS TIME AND i ALWAYS GET THE COLD SHOULDER OR ONE OF THIER REPS TELL ME THE PERSON THAT HANDLES THIS IS ALWAYS OUT OF THE OFFICE. THIS DEBT WAS PAID BY MONEY ORDER LAST MONTHALSO i HVE CALLED THE COMPANY FOR XXXX WEEKS STRAIGHT

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no knowledge of this collection I pulled my credit fill and this and this collection was listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (OK).
Issue: Application, originator, mortgage broker

Complaint: I started calling my mortgage company Freedom Mortgage about refinancing in XX/XX/XXXX 2015 asking what I need to do, what they need from me. after I started the process with XXXX XXXX giving him the information he asked for I went weeks no calls or call backs. after leaving many voicemails I finally got a hold of him he told me my account was transferred to a different rep leaving yet another voicemail for someone else after a couple weeks later to be told someone else had the account. three different people later finally getting a hold of XXXX XXXX who told me my account was closed because they did n't have the paperwork they needed from me which I explained to her I had turned those in to the previous rep who had the account. it was XXXX 3months and payments later she tells me she has to get with a supervisor to reopen it. I called another mortgage company to ask advice they told me I could make a complaint with CFPB. telling XXXX this the next day she called back immediately telling me the account was open and at the under writers. couple weeks go by I call her to hear they need my bank statement I send it another week goes by and she tells me my wife has to write a letter stating I have access to the account and money since it is a joint checking account. then yet another week goes by I call they want an explanation written out why the address on the account is not my house address. I would not have found any of this out had I not called. I was told to get one thing after another and did so in a timely fashion. i finally get everything to them and now XXXX payments later since starting the process its XXXX I am told we are going to get to close the XXXX then they canceled one hour before our meeting because they did n't have the right paperwork rescheduling for the XXXX they canceled again still did not have correct paperwork. they rescheduled for the XXXX and once again called to reschedule for the XXXX still not ready today. I get a call from the title company XXXX XXXX at XXXX they have not received the paperwork from Freedom Mortgage so they are unable to meet us for closing tomorrow. the title company proceeds to tell me they have been ready since XXXX XXXX for me to close however they have been and are still waiting on Freedom Mortgage. I have explained to Freedom Mortgage since day one my payments are to high and I am paying 8 % interest and in XXXX of having this loan my pay off has only moved around {$4000.00}. since XXXX I have been wasting money because it all goes to interest and I explained to them I wanted this done as soon as possible. it was hard to keep up the payment because it is so high and after XXXX I have built no equity due to this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: In light of the hack of XXXX, I want to freeze my credit report accounts at the three main credit agencies. I was able to successfully freeze my credit reporting accounts online with two of the agencies ( XXXX and XXXX ).  However, when I entered the same information at the Experian website, I was informed that the freeze could not be put in place based on the information submitted. The companies should have consistent systems that allow for a freeze to be placed on an account online without having to go through the extensive process of sending information by mail. 

As an aside, the placing of a freeze on anyone 's accounts and the release of the freeze should be free as the data stored by the agencies is personal to the individual and should be controlled by the individual whose information is being distributed.

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 07-12-2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged bank acct wrong day or amt

Complaint: I borrowed {$600.00} from BPL and during the initial process I was told that the pay back balance would be {$810.00} with a monthly installment of {$210.00} via ACH payment. To my surprise BPL took the installment on every pay cycle that is the XXXX & the XXXX and the overall installment would end in 2017. So far I repaid {$630.00} and they advised that the pay off is in fact {$810.00} and the installment would incur fees which was never explained to me at the outset. I consider this evil and would like the Consumer Financial Protection Bureau to help with the following : 1.misleading information about due dates, fees, and total repayment amounts 2.incorrectly stating or implying that the finance fee was a one-time charge instead of an ongoing interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I have asked for chase bank to please modify my loan because the adjustable rate is going to make me lose my house! I was paying XXXX ( i make XXXX a month ) but now it is XXXX a month. i have asked since 2007 to please modify my loan and filled out the papers at least 12-14 times. my payment has gone up XXXX in the last 6 months? ... i am XXXX from all this stress and worry! i am so scared i will lose my home! PLEASE ehlp me!

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: Update for : XXXX. 

Received a final reminder before my access expires. As previously stated in XXXX I do not have access to my Equifax credit-report. Therefore, keep this and all accesses available to me so I can view after this problem has been resolved. 

Attachments : 1 ) Equifax reminder email 2 ) Screen-print of the Equifax website error-message.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: This money wire/digital wallet company forces users to provide all their personal and bank info e.g. Social Security #, DOB, account & credit card numbers etc. All of which they claim is used to " verify '' your identity. However, they are now using unethical delay tactics with no rhyme or reason to prevent users from trading in their Bitcoin ( digital currencies ) into dollars. One of those tactics is locking people outside their accounts by claiming the system does not recognize their devices. This happened to me except I know for a fact I have used the same computer to login countless times with no problem until now ; ever since the price of Bitcoin has risen ( today : XXXX XXXX 2017 ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NE).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold to Roundpoint within a month of our closing XX/XX/XXXX. On XXXX XXXX, XXXX we experienced a significant hail/wind/rainstorm overnight which resulted in approx. $ XXXX in damages to our home. After our insurance company had an adjuster do a review, and a contractor did the same, I contacted Roundpoint to discuss the procedures for having the repair check ( which was made out to them as well ) endorsed - I was emailed a document showing the lengthy requirements to fulfill in order to have them endorse and return the check. I was also told to send the check via overnight mail with a delivery confirmation, and to include a pre-paid return overnight envelope, which I did. The check was mailed to Roundpoint on Tuesday XXXX XXXX at XXXX PM and was signed for by XXXX XXXX from Roundpoint at XXXX on Wednesday XXXX XXXX. Roundpoint Mortgage then deposited the check for $ XXXX+ into their banking account on Friday XXXX XXXX. I contacted Roundpoint Customer Service on Monday XXXX XXXX and after 33 minutes on hold was informed that the check was " ... being reviewed for approval and processing. '' On Wednesday XXXX XXXX, after 66 minutes on hold, I was informed by XXXX XXXX that the check had been processed and mailed on Tuesday XXXX XXXX, and that it had been mailed in the prepaid, overnight envelope. I informed XXXX that the USPS was not showing it in tracking - she then informed me that it had gone out late in the day, so may not yet. On Thursday XXXX XXXX, the XXXX software still had no record of this envelope so I placed another call to Roundpoint - spoke with XXXX ( sp? ) and was informed that the envelope had been mailed on Wednesday XXXX XXXX. XXXX was unwilling to discuss the discrepancy and placed me on hold until the call was disconnected by the system. Upon calling back I spoke with XXXX who placed me on hold for XXXX minutes while attempting to put me in touch with XXXX XXXX again. XXXX kept me on the call for over 80 minutes more. She told me that she personally spoke with XXXX XXXX, the Correspondence Supervisor, who told her that the envelope had been delivered to the local postal station, by hand, and had been placed into " ... a bin in front of the counter ... '' at XXXX on Wednesday XXXX XXXX ( the different mail times point to the lies referred to earlier ), and that, at the time of our discussion ( XXXX CST ) " ... the post office must not have checked it in yet. '' 2 hours later, XXXX CST, there is still no evidence of this document having reached the USPS facility as stated. 
It is my belief that Roundpoint Mortgage is deliberately delaying the disbursement of these funds in order to utilize the $ XXXX+ for financial gain, and every day that we are without these funds we are delaying necessary repairs to our home.

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 02/15/2018 about Debt collection (I do not know) with VANGUARD FUNDING LLC (WV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get repeated calls from the number ( XXXX ) XXXX. It is always an automated robocall that directs me to hold the line, but ultimately no one is available to take your call and it disconnects. Ive called the number back and it is the same message. Through my own investigation, I have found this company is Vanguard. I have no business dealings with any such company. 

This company calls up to 5 times per day. They are pointless, robocalls that end the same no one is available. Since no one is available Id like them to stop harassing me.

Company response to consumer: Untimely response
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Several years ago XXXX bought out XXXX XXXX co. I paid my final bill off with them. XXXX takes over and my bill goes up but I pay them faithfully for past several years.Well my credit score dropped XXXX points in the last 2 days. I go online to find out an credit collection agency ERC has posted a unpaid debt of XXXX with all credit reporting agencies. When I called them about this they said it was XXXX, filed this against me and they did n't know what it was for. 
I went to XXXX and they said it must have been an old bill, when I requested them to give me proof of this they had none. I paid those folks off before XXXX took over. But what 's worse is they sent me a bill marked XX/XX/2017 which clearly states I had 30 days to dispute this charge today is XX/XX/2017. And they already reported this to all the credit reporting agencies. I am livid about this I tried very hard for the past 10 years not to have any negative credit issues and there about to do this as easy as taking candy from a baby. My complaint is ERC and XXXX. Why can they exhort consumers and get away with it. Something needs to be done about them, they do n't even have to prove anything. If I brought a case against them claiming they owed me I would have to prove it! 
Why do n't they have to? Why are they allowed to ruin someone 's credit? It took me 10 years to build it up!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ME).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: First of all when I consigned these loans I did n't know the difference between federal and private with Sallie Mae. The interest was anywhere from 10-13 %! I begged for consolidation at 4 % when the XXXX were doing that. This is how I found out these were private loans and they did whatever they wanted, they did n't follow federal guild lines. we could not make the huge payments and they would not work with us at all. We defaulted. They are now threatening to attach wages and sue. I would be willing to make reasonable payments if the started over and added 4 % interest to our loan! NO ONE should have the right to charge 12 % interest! My question to you also is, can they attach wages or retirement funds. Thank you for your help. We need to pass H.R XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Any and all medical bills reported by any agency on to any credit report are to be paid by the XXXX XXXX. I 'm medically retired and they fail to provide proper medical care. Therefor, they are responsible for any past, current and future medical bills. Also, I have never owed any XXXX bill and do not owe any money to XXXX XXXX XXXX. Those are mistakes made by those companies that I had contacted them to discus in the past, with no acceptable outcome. There should be no derogatory remarks or any open accounts on my credit report, as I do not owe any debt collection agency or reporting companies.

Company response to consumer: Closed with explanation