milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (NC).
Issue: Deposits and withdrawals

Complaint: The Rush Card has been with holding money from my account, which I have been unable to pay bills, get to work, move in to a new home, and feed my family I was suppose to recieve my direct deposit and it is promise to me that it will be there two days befor my pay check, this happen during the end of the month when I have to pay rent. They keep telling me that they can not give me a time frame on how long it will take but keep guarenteeing me the money is safe but mean while my car insurance was just cancelled XXXX 2015 and the bill collector will not take an excuse I have suffered severaly from these damages and lost out on a home, a drop in credit, late fees, unable to keep my daughter in day care/after school, lost in hours at work and emtional stress I have to check my self in a hospital because of head aches im recieveing from stress. I have been unable to feed my family and had to borrow money from others that I have still been unable to pay back so far I have lost XXXX because of the lost hours at work and unable to get gas to meet deadlines and im lossing by the day because the issue is still not resolved I call them spoke to someone and pleaded my case they just countinue to place me on hold for hours and hope I hang up or they will hang up please help me, I soon will have to take out a pay day loan to help myself in this financial crisis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NM).
Issue: Loan servicing, payments, escrow account

Complaint: seterus inc took payment from my bank account on XX/XX/2015for XXXX ach showed at first they received then on XXXX XXXX 2015 seterus said it was sent back nsf I sent bank letter saying it was not returned they will not help correct problem says bankhas money bank does not i need help for them to post to accountthey gave me more late fees on XXXX XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Managing the loan or lease

Complaint: I am writing with regard to my recently closed lease of my Honda XXXX ( XX/XX/2014 ) with Honda Financial Services. I was under the impression through my dealer that excess milaege would either be waived or reduced and rolled in to my payments upon return of my vehicle and leasing through Honda. 

This was not the case and I was hit with a bill to be paid up front with a courtesy reduction. I was going back and forth between Honda and my dealer regarding the fact that I wanted to roll it in, but I I was not permitted to so and I was financially unable to pay at the time. 
The matter has since been resolved, but I was hit with a late payment on my credit report which I feel should be cleared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Debt collection (Medical) with Meade & Associates, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been watching my credit very closely to make sure it does n't have anything negative I was recently informed of some {$21.00} debt by a company mead and associates I was NEVER notified or given a chance to dispute debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (PR).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: This complaint includes a file, which is the exact online chat transcript of my conversation with 2 Discover Card Representatives : first, XXXX, who was clearly showing signs of the usual great Discover Customer Service, but because of the nature of the problem, apparently XXXX had to call a Supervisor named XXXX, and there was where I found the bad customer service which is usually heard from other banks and companies since years ago. Simply, Discover reduced my credit limit from the original {$6000.00}, to {$5000.00}, just with an e-mail letter sent last XX/XX/XXXX, that I was not able to read until today, 10 days later, after my Discover  Card was rejected at a local ATM from the recognized Bank called XXXX, here at XXXX XXXX XXXX, in XXXX XXXX XXXX, very close to our home where this shopping mall is located, and this ATM was used without problems before. But, the same Discover Card Company, sent me just 4 weeks before, another e-mail approving half of my original credit line for credit card cash advances, so {$3500.00} was the new credit card cash advance limit, half of the credit line. Both e-mails are included as evidence, the one from XX/XX/XXXX, and the one from XX/XX/XXXX, which I was not able to read on time, and even in that case, that does not change the problem : My credit card with Discover was way within its credit card limit, before this problem which started just on XX/XX/XXXX. I was counting with this card for  emergencies, as any of you can read in the online chat transcript document I included, not provided by Discover or by XXXX, but is copy paste I made by my Son before closing the chat, because there was no offer this time for sending on an email the chat transcript, had to do it all by myself. Discover simply reduced my credit line by {$1000.00}, so 10 days was not enough to avoid been unfairly forced by this action to an over the limit balance problem I did not had. It was provoked by Discover by allowing this, and my next payment is about to be made just days from now, next Wednesday XX/XX/XXXX, the XX/XX/XXXX Wednesday of the month, because my income is from Social Security and this was clearly informed to Discover on a previous online chat just days ago. XXXX was completely out of what is expected from Discover, far from their excellent customer service, just saying I should have a good rest, and asking me to ask for an automatic credit line increase as if this was a regular credit line increase, when it is not : my credit line was reduced, and 10 days notice is not enough when you put an account in an over the limit situation the customer did n't had, the way I explained to this bad supervisor called XXXX. Please read the online chat transcript and see the 2 letters included for details.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I cosigned this loan for my son several years ago. At the time of the loan I was told that if consistent on-time payments were made over a two year period I could have my name removed from the loan. For the past XXXX years consistent on-time automatic payments have been made but Navient refuses to remove me from the loan, due to an unrelated account my son has that is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX, XXXX as Trustee for Option One Mortgage Loan Trust XXXX is collecting a debt that was never transferred to the trust before cut off date of the trust. XXXX XXXX XXXX, XXXX is fraudulently including our mortgage in the collateral file ( published on X/XX/2017 ) and remittance reports ( published on X/XX/2017 ) for Option One Mortgage Loan Trust XXXX for XX/XX/XXXX, despite the fact the only transfer of assignment that was filed in the XXXX County Land Records Office was filed 5 years after the closing date of the trust.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, 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 04/26/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Good Afternoon, I was previously a client of  XXXX   XXXX   XXXX . They had provided me with exceptional service and had great products. I was charged a ridiculous amount of money   ( {$2200.00} ) in long distance calls, I never made. I attempted on numerous occasions to have them review this, I asked them if a copy of my passport of proof of residence was needed to clarify this matter. They advised I would receive a letter in the mail explaining my options and thanked me for been a loyal client.
Later I received several calls from DIVERSIFIED CONSULTANTS INC  , a collections company. They made numerous calls at all hours and many more after I advised them to please not contact me during working hours. They advised this would ruin my credit, specially after I mentioned I was in the process of buying a home. I asked them to please help me cure the issue, since  XXXX   XXXX   XXXX  never helped me, clear a debt, for calls I never made out of the  U.S. DIVERSIFIED CONSULTANTS INC  advised they would help me, but I had to pay {$1200.00} and they would clear this issue. This was not fair, but I needed to make any and all attempts at saving my credit history. I made the payment against my own will, and they advised it would not be reported, nor will it affect my credit history. I complied with their unfair and devious collections tactics, in an attempt to save my credit.     I ask you please help me remove this account from DIVERSIFIED CONSULTANTS  INC  /  XXXX   XXXX   XXXX  ( Act #  XXXX  - Agency Ref #  XXXX  ) from my credit reports.     I thank you in advance for your consideration and help resolving this damaging and unfair act from  XXXX   XXXX   XXXX  and  Diversified Consultants Inc  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Admin Recovery, LLC (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX which is with XXXX XXXX originally. It is with admin recovery now I paid in full XXXX XXXX. It is for XXXX I would like the pay status to be updated to paid off in full. I called XXXX on XXXX XXXX 2017 they said to call admin recovery to do it. Admin recovery said the opposite that XXXX XXXX XXXX has to update it because they were the original lender. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma 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 10/21/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I cant repay this I asked for lower payments, when filing for this I was told something by the school which ended up being different I filed Bankruptcy and that was supposed to help but really did not I have tried to work more and XXXX jobs with no luck. Can you help??

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: DIVERSIFED CONSULTANTS A COLLECTION COMPANY THAT CONTACTING ME ABOUT A DEBT THATS NOT MINE FUTHER MORE THEY HAVE NOT VERFIFED THIS DEBT AS MINE IS THIS LEGAL? THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when it is clear who is affected by the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax did not have adequate security in place, and leaked my SSN and now they want me to pay for their service to prevent identity theft that they made  possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with Phoenix Financial Services LLC (KS).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Hi I spoke with the credit agency  three tim es regarding this matter provided documentation twice they informed me that it was my responsibility to find out what 's going on not theirs if still not corrected this and I am now in the process of filling complaint with the   XXXX   XXXX   XXXX   as well as your office and attorney assistance over to correct my credit and I was not required to pay and it was paid to the original debtor back in   XXXX     I 'm including the copies of that document as well as the showing that  XXXX  was not responsible for work from the beginning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed for Bankruptcy on XXXX XXXX, 2009 but changed my mind and it was dismissed on XXXX XXXX, 2009 by the courts. Equifax is the only credit reporting agency that will not remove this from my file even though it was never processed and the court sent them the Dismissal order. They intend to leave this on my report which lowers my scores for 10 years as if a Bankruptcy took place. According to the courts the dismissal order should have eliminated that. I tried speaking with a representative at Equifax to find out why they wo n't remove it and she kept saying the court sent it. I 'm trying to get my credit back on track but this is a major setback. Is there anything else I can do to get this off of my report?

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My credit inquiries were all removed from my credit report which caused a small impact to my credit score positively when they were added back for whatever reason it caused a huge dip in my score and this was done without prior written notification per FRCA section 611 all items must be removed. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Credit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 12-07-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Application, originator, mortgage broker

Complaint: This complaint has to do with the fact that JP Morgan Chase reported us to the credit bureau for past due loan amount of {$990000.00} when we have a mortgage on that loan, we have paid on the mortgaged home " on time '' every month and we have been working with Chase Mortgage for over a year now in an attempt to FIX a problem that THEIR organization caused.I have made calls to Chase Mortgage almost every month during this year in an attempt to fix this problem. Every time, I either have paid more money to put in the coffers, only to find out that the money was misapplied to another account OR, I have asked them to move the money from " unapplied funds '' into the escrow account and then later find out that moneys was moved into principle. It has been a nightmare. Now, the bank has done more damage by reporting account to the " credit bureaus '' as if the problem is something that we did. And, as a result of their reporting this issue to the credit bureaus, XXXX separate contracts have been placed into jeapardy with my small business because the XXXX has resported the company as having " financial problems ''. We have been directly negative impacted by the lack of coordination and mismanagment of Chase Mortgage Company. And, because the account is so very messed up, we are unable to apply for another loan to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This all started with a new car loan this XXXX. After obtaining the loan I requested a copy of the credit report used by the lender. When I received the report and reviewed it, I found errors reported by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX loan XXXX. ) Specifically, the date of last payment and the date account closed is wrong ( should have closed XXXX ), and the detail seems to suggest that the loan was 120 days or more past due. I complained to Equifax three times. On the third time, they sent the complaint to XXXX XXXX XXXX XXXX. None of the items were corrected and they added a new delinquency for 180 days or more late. Attached are the latest results from the dispute as provided from Equifax and a letter from XXXX XXXX XXXX XXXX proving that I paid the loan off in XXXX 2011. The loan originated in XXXX 2011, so there is no possible way this loan was open on XXXX and no possible way this loan was ever 120 days or more past due. During this process I spoke, via phone, directly with XXXX XXXX XXXX XXXX. The person I spoke to told me the loan was not properly closed when I made the XXXX payment. This error has to be corrected. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: My loan was purchased b y Amerihome in   XXXX     2015   (  2 months after we purchased  )  our home. I unexpectedly lost my job  XXXX     2015.    As I struggled to make mortgage payments, I reached out to  Amerihome  for info on the loan modification program. I applied. It has been a run around since then. Here we are a year and half later and I 'm still trying to get a response on the loan modification results. They keep requesting that I send in hardship letters, I do send in all supporting documents via certified mail that requires a signature. The last I heard I was supposed to get a response by  XXXX   XXXX . I just got off the phone with them and they are telling me that my account is on freeze. But, even after speaking to th e manager by t he name of  XXXX  he ca n't tell me why. He told me it would take another  24- 48  hours to reach out to the underwriting department. This is ridiculous. They are assessing all sought of fees making it imposssible to really catch up and stay clear of foreclosure. Hence, the reason I applied for loan modification in the first place. This has been going on for too long. Almos t two yea rs now with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian has engaged in illegal Identity Theft, Conversion and illegal debt collection actions with perpetrators XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Experian tampered with and manipulated my consumer report for several years in violation of the Fair Debt Collection Practices Act, Fair Credit Reporting Act and Identity Theft Laws.

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