milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2015 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have continuously asked them not to contact me at my employers phone number but receive numerous phone calls a day from various phone numbers at my work phone. When asked for their phone number and mailing address the caller refused to give that information until I would give my personal information to her.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (VA).
Issue: Charged fees or interest I didn't expect

Complaint: I went into First Virginia loans in an attempt to get a loan for about {$600.00} to get my A/C fixed during the hot summer months. I am a diabetic and extreme heat makes me feel very sick. My A/C wasnt working at all. They talked me into getting a larger loan and said that it would be paid off until 8 months but I had flexibility with the payments, but I dont. I have been paying {$850.00} per month for almost 2 years to try to pay this off because the interest rate is 150 %. I am NEVER going to be able to pay this off. I feel as though I am trapped and with my medical expenses for my XXXX and XXXX I feel I am stuck. I called the store to get help but they told me that I needed to call corporate, but corporate said that they cant help me because I am not in default. That 's is insane because I am trying to keep from getting into default. This is predatory lending at its finest! Once you borrow the money, you have to re-borrow forever just the be able to pay your normal expenses because of the unrealistic interest rate and monthly payments. This should be against the law. This is trapping consumers in a downward spiral.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I WAS IN A CAR ACCIDENT XX/XX/XXXX,2017. MY CAR WAS A TOTAL LOST. I LIVE IN MARYLAND. THE NEW LAW IS WHEN A CAR IS A TOTAL LOST. THE CONSUMER DOES NOT HAVE TO PAY ANY BALANCE TO THE LOAN COMPANY. THE LOAN COMPANY HAS A OPEN ACCOUNT IN MY NAME FOR XXXX. THIS IS NOT TRUE. AND IT IS SHOWING ON, ON MY CREDIT REPORT. I WOULD LIKE FOR THIS TO BE REMOVED OFF MY CREDIT BECAUSE THE INSURANCE COMPANY HAS ALREADY PAID THERE PORTION.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Account opening, closing, or management

Complaint: Hello, I XX/XX/XXXX I attempted to open a checking account with HSBC, they had a {$350.00} bonus promotion running for opening new checking accounts. I finally received my account on XX/XX/XXXX. The requirement for the promotion was to pay 2 bills per month, for 3 consecutive months, within 120 days of opening the account. I made 2 bills pays on XX/XX/XXXX, 2 on XX/XX/XXXX and 2 on XX/XX/XXXX, thus meeting the requirements. I called in today to ask when I would be receiving the bonus and was told that I was not eligible for the bonus because I did not meet requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Payday loan () with ACE CASH EXPRESS, INC. (TN).
Issue: Charged bank acct wrong day or amt

Complaint: I recieved a payday loan from ACE CASH EXPRESS and my repayment was taken from my account a week before it should have been causing me to go into the negative and pay fees. Now they are threatening to send me to collections. They would in previous loans email me a reminder that my payment was coming due and the date it would be taken out would be attached. Not this time!

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Failure to provide validation. On XXXX, I sent the company a demand for validation for the reference account they had reported on my credit report They failed to respond back without any contractual agreement or statements from the original creditor and continued reporting the account on my credit report. At the same time they verified the account as a valid account when I disputed it with the credit bureau instead of notifying the credit bureaus to have them mark the item as disputed, as required by law, thereby violating the FDCPA. This is a fine, punishable in court with punitive damages of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Hi I recently opened a new CreditCard with XXXX ( its an XXXX card ) and received a letter from XXXX 's stating that I can get my free credit report within 60 days from Experian. This letter contains a phone number ( XXXX XXXX XXXX ) from where I can get my XXXX free ) credit-report on which this card was based. I tried calling this number and didnt find any option for my case, as a result my call gets terminated and there is no option to talk with an agent. This is so frustrating and completely against Fair Credit Reporting Act that I can not get a copy of my credit report, can you please help with this. 

thanks 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 non-monetary relief
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I keep getting hit with hard inquires every week, I call the creditor they tell me to call a different company than that company tell me to call another and the last company has no answer why it 's happening. So my score is getting lower every week by same creditor, the creditor is called credit plus.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a collection item on my credit report that is not mine. I have disputed this item several times with the collection agency as well as with Trans union but this issue does not seem to be getting resolved., which has been impacting my credit report significantly. The company XXXX XXXX XXXX has put this mark on my report but the item wasnt validated. I have contacted them via phone, email and letters and they will still not remove this from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Because of long-term unemployment, after " no cause '' job loss, coupled with XXXX and attendant medical bills, I got behind on my mortgage. Servicer ( XXXX ) bought servicing rights from Bank of America, and immediately began sending foreclosure threat letters, then accelerated my loan. Much added to loan balance in the form of " inspection fees '' and " legal fees '', and holding my payments " in suspense. '' We are now at the point of state-mandated Resolution Conference, and application for loan modification. I have examined the recorded documents relative to my mortgage, and find evidence of robo-signing, assignments of which I was unaware, and now, there have been provided XXXX DIFFERENT versions of a " certified copy '' of the Note. This includes an unattached, undated " allonge '' and a double rubber stamped signature by XXXX documented robo-signers. There is no evidence of a Pooling and Service Agreement. Paperwork involves Countrywide, XXXX, Bank of America, XXXX, and XXXX. 
Something is not right. It appears that XXXX, the entity claiming ownership of Note, in fact, does not. 
I have received XXXX denials for loan modification, as well as an offer for a " trial modification '', followed by another denial for the same loan modification which was offered. These have all come via mail from the Servicer in a three-week period. 
The next Resolution Conference is scheduled for XXXX XXXX 2016, two weeks after my " deadline '' to accept the modification terms.

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 01-09-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a lien release from the State of California. XXXX has reported it as " released '' for years. Equifax refuses to indicate " release '' on my report. I have tried contacting them directly and get nothing but a runaround. This is my last stop before I hire an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, I went to a local CitiBank office located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX to move forward with PMI removal. The banker stated he was not aware of how to get this completed but would put me on the phone with a mortgage specialist. I was led into one of the offices at CitiBank and he put me in contact with a mortgage specialist via phone to CitiMortgage, who informed me that he would have someone get in contact with me who would be able to assist me with this request. For a month, I had not heard from anyone from CitiMortgage. This is not the kind of customer service I have been provided in the past ; I have been a loyal and timely customer for a decade. 
On XX/XX/XXXX, I called into CitiMortgage and was informed by the CitiMortgage representative that the PMI was removed. When I called XX/XX/XXXX to confirm the PMI was removed, I was told the opposite. The CitiMortgage representative now stated the PMI had not been removed and my rate had adjusted which was the reason my payment had gone down. They further informed me I would be required to fill out paperwork and have an appraisal completed even though the balance is under XXXX % loan to value. 
Per the Homeowners XXXX XXXX of XX/XX/XXXX, I have a right to request PMI removal once the unpaid principal balance reaches XXXX percent of the original value based on the current amortization schedule and having paid the mortgage on time without an appraisal. I purchased my property in XX/XX/XXXX, at an appraised value of {$430000.00}. My current unpaid principal balance is {$340000.00}, less than XXXX percent of the original value. CitiMortgage informed me that my PMI was removed as my payment had gone down. Only when I called in the following month did CitiMortgage then reneged on their previous statement. I have complied with my obligations and have paid my mortgage on time with additional payments to get it under XXXX % loan to value.

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 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid for my credit report at XXXX today and my FICO scores are the following : XXXX : XXXX ; XXXX : XXXX ; and Experian : XXXX, but there are " revolving accounts '' that have been closed for years in some cases and should be removed. I was able to file online " disputes '' with XXXX and XXXX with ease and with no problems. But the online link for Experian from both XXXX and Experian 's own website sends the user in a circle and does not allow me to file my dispute -- even with all of my personal information from my credit report that Experian currently has on file. I also tried Experian 's XXXX # XXXX with again being sent in a circle and eventually hung up on by the automated system.

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 02-01-2017 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (IL).
Issue: Managing, opening, or closing account

Complaint: I contacted Rushcard on XX/XX/XXXX and was informed my card was cancelled because they had sent out a new card and it was returned. I advised them the address was wrong and I had money left on the card in my possession. They advised me they could n't deactivate so I told them to close account and send me a check for {$110.00} ..They sent check to wrong address and it was returned. They sent me an email saying they had my funds and would reissue the check. It 's now XX/XX/XXXX and still have not received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Bank account or service (Checking account) with BANKUNITED, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I have had an account with Bank United for over XXXX years. My account was overdrawn and I received a call from a very aggressive and disgruntled Bank United employee, XXXX XXXX XXXX who excoriated me for being overdrawn and demanded payment, of which I responded as soon as commissions came in it would be taken care of. I am in Hawaii since XX/XX/XXXX and am nowhere near a Bank United branch, none on the island. I set this account at Bank United to receive funds electronically to cover these eventualities, however XXXX XXXX restricted my account and I called customer service and spent over an XXXX trying to pay this and I was not allowed to do so. XXXX XXXX also made harrasing and somewhat threatening calls to the joint account holder including emails of that she must cover overdraft or she would be negatively impacted. I am pretty sure that these bully tactics are employed regularly, and I ask that in order to protect the public at large and prevent these immense institutions from basically garnering more fees improperly into their coffers that your organization look into to this and take any appropriate actions necessary. XXXX XXXX XX/XX/XXXX made XXXX XXXX in overdraft fees so this is a very lucrative avenue for the banks, just FYI. 

Thank you in advance for your attention to this matter!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Wells Fargo Bank kept charging late fees on car and personal loan. They actually and admitted to takingpayment in drive through window. Never applying payment ... found money order in draw six months later. They have also applied payments late that were received on time through mail. Never applied a cash payment made through window at XXXX New York Branch. Applied payments to wrong account. After this they repossessed car even though I tried to fix what had been done. Asked for loan modification for six months. Not sure if they set up phony accounts they will not help me.
Had to file for bankruptcy because of above. I kept trying to avoid late payments by direct mail or going through drive through it never seemed to work.

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 09/29/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: never been late as shown on report from equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XXXX XXXX, I disputed inaccuracies with the 3 Credit Bureaus, Transunion, XXXX, and XXXX, asking for validation of debt, upon the XXXX- day response limitation, the collection agency XXXX XXXX XXXX XXXX XXXX. sent a copy of my medical records, with a diagnosis of my injuries. I disputed with the 3 credit bureaus with a copy of the letter sent by the collection agency with a letter stating my HIPPA rights had been violated. The 3 credit bureaus did not respond. A letter dated XXXX XXXX, XXXX, was received of validation, from the collection agency XXXX and XXXX, XXXX. with another copy of my hospital visit with the diagnosis and also with the type of medication and dosage I was prescribed, and asking for a check.

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 06-06-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is claiming that I owe them a balance of {$450.00} as of  XXXX   XXXX  and have placed a negative collection account on my credit without my knowledge. I disputed this item recently on  XXXX   XXXX   XXXX  due to fact that they are trying to collect on a debt that is unverified and they also have a revoked license! It appears this company is doing business illegally in my state and have failed to verify the alleged collection account as well as their license status.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (IA).
Issue: Application, originator, mortgage broker

Complaint: I was lied to by quicken loans about a credit inquiry. I asked for information regarding loan rates and general information before even applying for a loan or having my credit pulled. I was told that a hard credit pull would not happen but they needed to collect some general information to run scenarios. I was just simply trying to explore possible solutions to my wants. This company explicitly lied to me and when i contacted them they said that i consented to a credit pull so they did nothing wrong. I spent an hour yesterday with them and another hour on the phone with XXXX and quicken loans and both companies tell me they ca n't remove it. I did n't even get a rate or discuss anything that i was looking into doing with my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   VA  XXXX  #  XXXX  dob  XX/XX/1962     XXXX , Equifax and  XXXX  will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have made numerous attempts to resolve this matter with this debt collector. They notified me that they no longer serviced the account, then they later submitted documents from XXXX XXXX that clearly state " THIS IS NOT A BILL. '' They have not proved that I owe these bills, nor that I am the one responsible for receiving these services. 

I filed an identity theft complaint with the Federal Trade Commission in XXXX and there have been numerous unauthorized accounts not created by me. I am awaiting the results of this investigation before filing a complaint in my local courts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Payoff process

Complaint: I have a Chase Credit card. I took advantage of a promotional offer to have 0 % interest for a year. That worked fine. My minimum payment went toward paying down my balance. When my promotional period ended, I took another amount w/0 % interest for a year. Now, a portion of my balance is charging interest, and a portion of my balance has 0 % interest. They add the interest based on the higher balance to that higher balance every month since my promotional period has ended. That makes sense. But, now when I am making my minimum payment, they are not crediting any of my payment toward the balance bearing the higher interest. Therefore, no part of my payment is being applied to the interest that I was charged. They are crediting the entire minimum payment to the balance w/no interest. This is causing my other balance to increase by the amount of interest charged each month, plus I am now getting charged interest on the interest that has been added each month. I have not been allowed to have any part of my payment applied toward the monthly interest charge! I thought new rules existed that prevented credit card companies from crediting your entire payment to a balance with lower interest. Apparently Chase has found some loophole where if your lower interest portion is from a promotional 0 % offer, then they only have to apply an amount over the minimum payment to the higher interest balance. If all I had was the XXXX balance that is in the promotion, my minimum payment would be less then what it is for the entire ~ {$4000.00} balance on the account at this time. I know this, because I only had XXXX minimum payment when I had ~ {$3000.00} promotional balance. I do n't understand why they would be allowed now to apply ~ {$75.00} minimum payment entirely to a promotional balance of XXXX {$1000.00}. You would think that they could only apply the minimum payment proportionately to the balances. For example, Minimum payment = {$75.00}, where {$19.00} is applied to the XXXX balance and {$56.00} is applied to the XXXX. Then, any extra amount paid over the minimum would go to the higher balance. Is it really true that they ONLY have to apply the amount OVER the minimum payment to the balance with higher interest? If this is allowed, it should n't be. Cunsumer beware of taking a subsequent promotional offer before your first one is paid for!!

Company response to consumer: Closed with explanation