milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Debt collection (Private student loan debt) with Equitable Acceptance Corporation (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was initially contacted by a company known as XXXX XXXX and/or Equitable Acceptance who wanted to consolidate my loans. The original conversation was about how they would pay the loan and I would see and instant improvement in my credit score and then I could make one low monthly payment to their company. I am a struggling single mother of XXXX who could use all the help I can get so I signed the needed paperwork and began making payments to this new company, XXXX XXXX. I made payments for about 2 years and recently my original loan company contacted me stating that I was late on my payments. I told them I had been making payments for the past two years, to which she replied " There has been no payments made towards this loan. '' ( I had been in the period between ending school and beginning my first payments due to low income so this is why they were just now reaching out to me. ) I began to question both companies about why I am paying two different companies for 1 loan. I did lots of research online and called to speak with XXXX XXXX XXXX where I was belittled and threatened that if i ceased payments my credit would be negatively affected. The woman I spoke with that day even said to me " What are you now , XXXX XXXX XXXX?! '' once I told her I was trying to research what has happened. Since then I am continuously getting emails and calls threatening my credit and advising me to contact their collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Medical) with Franklin Collection Service, Inc. (AL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The debt collector called me at my place of employment. I notifyed them I can not take such calls at work and provided a cell phone number. I called back on my cell phone and notifyed them that there is no debt to be paid because the medical bills were paid by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (HI).
Issue: Loan modification,collection,foreclosure

Complaint: BB+T forced placed flood insurance on my mortgage which added over 60 % to the cost of my mortgage. I have since provided BB+T with proof that i did indeed have flood insurance and they have claimed at first they had received it, then afterwards claimed they did not have said proof. I have read online all about the banks receiving kickbacks from the insurance companys for retroactively buying insanely expensive insurance with zero risk to the insurance company or bank. Which brings me to the math, BB+T wants me to pay them over {$1600.00} a month for my mortgage which was just {$1000.00} a few months ago. The craziest part is that the flood insurance only cost me {$300.00} dollars to buy myself for the entire year. Thats {$25.00} dollars a month for me to purchase it myself, the bank wants over {$600.00} a month for the forced placed flood insurance. BB+T wants over {$7200.00} a year versus my {$300.00} a year flood policy. My house is not worth {$1600.00} a month, nor is my flood insurance worth over 7 grand a year. I honestly dont know what i will do, it would be cheaper at this point to take BB+T to court or at the very least sell the house. I cant afford to keep paying the bank this much money. I 'd just end up having to let the house fall into foreclosure if nothing happens which will most likely kill my XXXX in the military. Please, i really need someone 's help to get BB+T to take this insanely expensive forced placed flood insurance off my mortgage. I cant believe we live in a world where a bank can mark up something like flood insurance 24 times and expect the customer to just deal with it. I can honestly say the if i 'm ever able to purchase a house again any bank that has such shady business practices will not hold my mortgage.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX Wages were garnished and paid. However there is a {$9.00} balance on my Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: On XXXX XXXX, 2017 I placed an order online " XXXX XXXX XXXX '' for the amount of {$120.00} I never got an email saying it was shipped so after reaching out to the company twice I decided to make a fraud claim through my bank " chase ''  they refunded my money and after a month they took money from my card because they denied the claim And said the reason why they did that was because there was a 120 days period to get my money back and because they do n't have an estimated delivery date they count from when it was purchased and not only are they starting the count from the wrong day they never informed me about the 120 day period and all they said was sorry for not informing me but I ca n't get my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My husband had back XXXX and was out of work for 8 months then was working part-time for 5 months. I am a mother of XXXX and alone I make {$35000.00} per year. I explained this to Navient that I would n't be able to pay my $ 300 monthly payment and asked for it to be deferred or lowered until he was working full-time. Navient took all my income information and decided that i could afford the {$300.00} payment. They did n't consider any of my monthly expenses besides other student loan payments. I regret getting a loan with XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX  sent me to a debt collector, however I communicated w/  XXXX  multiple times and confirmed, both verbally and in writing, that the equipment was returned and I do not owe any debt. I had never been notified that I was sent to a debt collector until I looked at my credit which showed that my credit was dinged, o n 3 se parate occasions, for this equipment not being returned. It took me, on my own accord and time, to find this and reach out to the debt collector directly in order to dispute this issue.  XXXX  clearly has not handled their documentation correctly and as  a Compliance Officer thi s is a clear regulatory violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CT).
Issue: Billing disputes

Complaint: USAA credit card is continuing payment holds on funds submitted. I paid {$400.00} on Friday, XXXX XXXX, 2016 and it was released from my bank ( XXXX XXXX XXXX yesterday XXXX/XXXX/16. Can you please talk to someone in billing of USAA Credit card at ( XXXX ) XXXX and straignted this issue out. I would greatly appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is violating my rights to an honest and true credit report by reporting to the public records section of my file and outdated and inaccurate tax lien that was made in error many years ago. The filed date is incorrect and the item does not include the lien removal slip which was granted by the judge following my attorney adamant appeal at the debt placed against me by the XXXX XXXX XXXX board of California. I have asked this information to be verified and have forwarded my tax removal slip to the bureau to be propeller verified and I requested a full and complete report domineering their pruderies and desciprtion during this reinvestigation process nearly 6 months ago and have been provided with ABSOLUTELY NOTHING! I am infuriated and disgusted by this poor attempt at a reinvestigation in my part and have become utterly anxious at the way my credit report is currently being reflected. It is not 100 % accurately because of this tax liens and the mis information it contains and i have been denied a lawful investigation. I have waited past the 30 day mark threefold of a time an don longer will wait for anything to be verified. I will not give this bureau anymore chanced to validate or verify anything. I have had enough and they are required by law, to follow the law, an removed tax lien ... XXXX from my records. It is their responsibility to validate this and they have NOT and it is their responsibility to provide me procedures and the descriptions and they have NOT. Why do i have NOTHING from this company and yet they are allowed to still report this? Why is it that i have mailed them every piece of document i can and the XXXX XXXX recorders office claims that they have receive don calls or validation requests from this bureau? What is it that has validated this? No one and nothing! They claim to use a XXXX party vendor and REFUSE to disclose anything about who they are and how they operate and validate consumer information. I will NOT rely on a XXXX party vendor with my financial life on the line, that is insane and not fair nor is this acceptable. Is this vendor certified? Is this vendor in the United States? Is this vendor knowledgable in the XXXX XXXX court systems? DO they have full and complete access to my report and all of my appeals and court records? When was this Vendor last certified and is their software up to date and FCRA certified and compatible with the law and guidelines? I WOULD NOT KNOW BECAUSE THIS VENDOR IS A MYSTERY AND THIS VENDOR IS RUINING MY LIFE!

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Medical debt) with N.A.R., Inc. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was seen at the hospital for a vehicle accident that was causing XXXX-pain issues and XXXX/XXXX XXXX. Doctor never gave me a XXXX-check, or even examined me, just offered me pain pills and discharged me. Still have pain to this day because of the accident but could never afford a lawyer to fight it in court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Struggling to pay mortgage

Complaint: Bank of America denied me with the answer with are NO LONGER reviewing your home loan assitance

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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I have contacted Equifax about removing an inaccurate chapter  XXXX  bankruptcy being reported on my credit file. I have requested validation of this chapter  XXXX  bankruptcy by the court and my original signature on this chapter  XXXX  bankruptcy. Equifax has not provided me any requested documentation. I have a signed letter from United States Bankruptcy court stating that the court does not verify records with the credit reporting agencies. Equifax is using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this in accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Payday loan debt) with National Management Recovery Corp. (NMRC) (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This company which I hold no contract with nor have received services from, reported a collection against my SSN in the amount of {$420.00}. They are calling THREATENING to SUE, the calls started on Yesterday and I spoke to a XXXX XXXX who I stated that I was filing Bankruptcy again and will contact my lawyer, however, ALL my BUREAUS are LOCKED and have FRAUD alerts and FROZEN so they ILLEGALLY obtained my information. I Never received any formal communication from XXXX and only asked a question of who they were and why are they calling cause it is my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had fraud accounts on my credit report and I informed Transunion several times and there 's been nothing done about it, they told me to get a police report and I did and sent it to them and the items are still reporting. It has been a year and half now that I been trying to fix this issue. 

XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress forXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX. I have never been late on this account. 

XXXX XXXX XXXX # XXXX Date Opened :XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress forXX/XX/XXXXXXXX. I have never been late on this account. 

XXXX XXXX XXXX # XXXX Date Opened :XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account. 

XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account. 

XXXX XXXX # XXXX XXXX XXXX : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX  and they informed me not to make a payment till the dispute is in progress for XXXXXXXX. I have never been late on this account. 

XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress foXXXX XXXXXXXX XXXXXXXX. I have never been late on this account. 

XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account.

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 07-02-2015 about Consumer Loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Lender repossessed or sold the vehicle

Complaint: I took out a loan from LoanMart XXXX XXXX Loans. My first payment was due XXXX/XXXX/15. I contacted them and told them my payment would be late which I was told is in compliance. I was to make my payment to them on XXXX/XXXX/15 so that would include XXXX payments. I received a billing statement reflecting that with no past due charges because I contacted them. They repossessed my car and damaged it and my yard on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Medical) with NRA Group, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I spoke to the company themselves and told them that it was not me. That someone else used my social and birthdate for their appointment. They said they messed up. It was removed from collections but it is still on my credit report. I have asked for it to be officially remove completely.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Student loan (Non-federal student loan) with Genesis Lending (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I took out a Genesis loan to cover my last semester of my XXXX degree with XXXX University. I do not currently have a job and keep telling Genesis that but they continue to call me daily, badgering me to pay my loan. It is very annoying.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is still showing on my credit reports, this is a debt that 's over 7 years old and should automatically be removed from my credit report, the debtor has written this debt off and due to new law ruling passed effective XX/XX/XXXX, no judgments are to be reflected on your credit report also due to : Federal Trade Commission, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, Better Business Bureau, Advocates for Fair Credit Reporting this must be deleted from all 3 credit bureau 's effective immediately and to date this has not happened after several letter attempts to XXXX XXXX and Experian by law this is illegal. Please remove from all 3 credit bureau 's immediately. I was advised from a free legal counsel service which advised it is against the law for XXXX XXXX to attempt to sue for garnished wages of which they attempted to do in XX/XX/XXXX, even the court advised they are not allowed to attempt to ever sue for garnished wages again.

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 06-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I had numerous accounts with Capital one and have paid them all. There is one that is not mine showing on my credit reports. I have submitted my documentation on numerous occasions to resolve this matter and they keep sending me the same letter stating send documentation. This is not my account and I want it removed from my credit reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: TransUnion 's database has my social security number linked to another persons name. This was confirmed from XXXX who is XXXX of the creditors denying me credit because they already have me with a credit card through them when in fact that it is n't me. I have contacted TransUnion and was told that all their information on my credit report is correct. Which in fact my credit report is correct it is their database that is incorrect and they refuse to fix it. They refused to give me phone numbers or other contacts in their company so this can be rectified.

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 10-12-2016 about Debt collection (Credit card) with Rodenburg LLP (SD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Rodenburg Law Firm is attempting to collect a debt that they purchased from XXXX. I have never entered into a legal agreement with this debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Chase Bank Has literally given me the chase. I have been trying to go through modification and now sale payoff with this bank for almost a year. If they would have given us a loan modification back in 2010, we would ot have such a high balance on our loan, They are forceing us into forclosure.In 2010 with the help of HUD we applied for a modification after being turned down for a refinance from an ARM to a fixed rate with perfect credit score. They have given us the run around ever since. They told us to stop making payments for XXXX days and we would be able to apply for a lower intrest rate loan throught their mod process, so XXXX years later we still find the lies and the run around. They are forceing us itnto forclosure. They are trying to get us to just give up. we have been now in contact with the executive office and are still recieving misinformation peolpe can not take notes properly and can not help with the process. This office has become just aother layer in the chase for someone to do somethig to help the homeowner.After speaking with an Exec office person, the answer was of nothing that was asked.None of the questions that were asked were answered.Phone calls not returned even supervisors ca n't return phone calls. This madnes has affected our familylife for far to long. Can someone please help stop the madness.

Company response to consumer: Closed with explanation