milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau Services, Inc. (MT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a summons regarding a debt oved from XXXX for {$7.00} and from XXXX/XXXX/XXXX for {$150.00}. I was never served with the original summons in XXXX so had no way to dispute it then. We I asked CBS for a copy of the original summons they provided XXXX & put a note with it that the original summons for XXXX was not 2 checks but 1 check and a debt. I have attached 10 pages from all of the correspondence with CBS & the court. I tried filing a few minutes ago but after I got all done there was an error.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I haven't ever dealt with theses companies never given authorization for them to inquire about my credit

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I settled with XXXX on several accounts last year. They are still reporting them as open collections. They agreed to accept a certain amount, I paid the amount they requested and they have not reflected that on my credit reports. They are still reporting as in collections instead of paid. They are the XXXX accounts stating in collections

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 09/25/2017 about Debt collection (Credit card debt) with Admin Recovery, LLC (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: CFPB, I lost my job back last year and my unemployment ended so I had no income at all and fell behind on all bills and XXXX XXXX just kept piling on fees, so no way I can pay it. I am twice widowed and insolvent. I sent a cease and desist letter to XXXX through IL Attorney Generals office months ago and now they sold the debt to a crooked collection agency ( Admin Recovery/XXXX XXXX XXXX XXXX ) who is harassing me by phone and mail!!! They are intentionally breaking the FDCPA!!! Please enforce the laws!!!! 

Thank you, XXXX XXXX XXXXXXXXXXXX

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 09-08-2017 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: This is a complaint regarding Equifax. I am listed as a potential victim of the data breach which occurred from XXXX through XXXX XXXX. They did not take enough precaution while holding so much sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (IL).
Issue: Struggling to pay mortgage

Complaint: I am doing the short sale for this property with a closing date of XXXX. I already asked for one extension. The home is not in the best conditions and required repairs on the buyer part XXXX they already invested money in a home that is n't theirs XXXX Now we are having issues with the city because they require an inspection which then might require repairs. The buyer is requesting an additional XXXX week extension to get everything figured out with the city. This home does not have a foreclosure date. The negotiator on the file is saying the investor says no extensions however there is no foreclosure date. What are they going to do just close the file and accept no more offers when the house did not go foreclosure?

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Customer service / Customer relations

Complaint: I noticed about a dozen charges to my Chase XXXX account beginning on or around XXXX/XXXX/15 in Pennsylvania, New York and California. I have never been to these states and never have used my card. I called Chase XXXX at XXXX and the person told me that my card had been compromised, but that they would immediately reverse the charges and send me a new card. I have now called XXXX ( XXXX ) additional times, each time the person told me that the charges would be reversed and a new card issued. I still see the charges on my account when I check online, and I still have no replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: i have  XXXX  loans on my home with bank of america. i have had a temporary modification which ended a year ago, my payment increased so i applied several more times. the last time i applied i was approved for a modification which increased my payment ove r 1000 dollar s, i spoke to the bank and asked why thy said i made  XXXX   XXXX  a month. this is so wrong i ask the Representative from Bank of America how did they get this? no one at Bank of America can answer me why. i filed an appeal because the information on the disesion is not correct. i get notic es 2-3 times  a week saying they are working on the appeal, yet 2 months ago i got a letter saying it was declined due to this inflated income they hav e, one  Representative told me they increase th income to make me qualify for the new 15 year loan. they told me it would start  XXXX   XXXX     2017  yet we got a  XXXX  dollar check from   XXXX   XXXX    i n  XX/XX/XXXX , which was a refund on our home owners insurance. i cant afford a 15 year loan modification. i would like a longer loan modification or a principle reduction as this house is  XXXX   XXXX  upside down, if they are here to help please let them. The file i have is hundreds of pages as this is way to intense to describe completely  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 03-04-2017 about Credit card () with U.S. BANCORP (WI).
Issue: APR or interest rate

Complaint: In XX/XX/XXXX, I received a mailed notice from Elan, who had taken over my credit cards from the prior company that had jurisdiction over them This notice informed me that Elan would be nearly doubling my interest rate on the credit card ( s ). The notice did not indicate any justification or reason whatsoever as to why this was happening. Considering that I was a loyal customer with the specific credit cards in question and had a good payment history, this was unacceptable. Per the instructions on the notification, I mailed a signed letter to the address provided that prohibited Elan from raising the interest rates on any credit cards that I may have with them. The deadline was for a date in XX/XX/XXXX. I mailed my notice on XX/XX/XXXX. When I received my statement for the XX/XX/XXXX due date that year, I immediately noticed that Elan had blatantly disregarded my letter and had had raised the interest rate anyway. I immediately informed the company of my letter and they stated they had not received it. Even though I was informing them over the phone right then and there that the notice had been sent per their instructions, they blatantly refused to acknowledge my concerns and, instead of taking any kind of appropriate action, continued to charge me the higher interest rate. In addition, despite what Elan believes, they are charging me the higher interest rate for the ENTIRE balance, not just from any purchases that were made after XX/XX/XXXX which is what they claim. This caused my minimum amount due to skyrocket, essentially preventing me from making my payments. This was irrelevant any way, as I had never authorized the increased interest rate percentage in the first place. I mailed the same date notice to them again in XX/XX/XXXX, but they still claim to have never received it and never took any action. I continued to make good faith payments and did several follow ups but no one at Elan resolved the situation, so after over a year of this, payment ceased until Elan properly resolved the issue. They were infromed of this by phone multiple times. In early XX/XX/XXXX I spoke to supervisor in their escalation department who identified herself as XXXX. On the same day I spoke with her, I FAXED my letter to her directly at her request and have a receipt of this fax that shows that Elan successfully did receive it. She informed me that she would finally resolve these issues and would be contacting me on the following Tuesday to confirm that she had taken action and resolved all issues to MY SATISFACTION. Not only did I never receive a call or any type of contact whatsoever by the agreed upon date, but when I called the escalation department back and asked to speak with XXXX, the male representative laughed and hung up. These calls are on record with my phone provider as evidence.

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 03-06-2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX had closed an account for me on XX/XX/XXXX, however I don't recall ever having this debt. I supposedly owe {$65.00} but in the past I've been making payments, which has puzzled me. I was never contacted by email, mail, phone call, and to be honest I don't even remember using or making payments for this. I didn't have my first part time job until XX/XX/XXXX so I don't know how I was able to even open an account. I would like for this to be wiped from my credit history.

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 08/31/2017 about Mortgage (Other type of mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: My home was foreclosed when shortsale reviewing on XX/XX/2017 by SLS ( Specialized Loan Servicing LLC ).

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 03-01-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2017 my debit card was stolen and used for a purchase at a walgreens for an amount of {$210.00}. Immediately upon discovering this I notified my bank J.P Morgan Chase of this issue and filed a fraud claim. Additionally I filed a police report with the city police for the crime. Now this crime was unique in the fact that my card was taken from my wallet without my knowledge then returned as a means to hide the actions of the perpetrator. I explained this to Chase and they issued me a credit for the amount lost, and sent me a new card. My case with the police department was worked by a detective that handles financial crimes, surveillance tapes were reviewed, and an arrest warrant was issued for the individual that had stolen my card. 

After this had occurred on XX/XX/2017 I received an email from Chase stating that my fraud claim had been denied and that the credit would be removed from my account. I reached back out to the chase fraud department and asked for an explanation, they stated because my bank card has a chip and because it was in my possession at the time of the transaction no theft could have occurred and therefore my claim was invalid. I explained again what had happened when the crime occurred, the representative said that a new claim would be opened and the claim reversal amount was never removed from my account. 

After receiving no information from chase on the status of this investigation, on XX/XX/2017 I noticed a transaction on my account for a claim reversal for the previous amount stated of {$210.00}. I contacted Chase bank and they said part of the issue was there being two claims open for the same transaction. The rep closed one of the claims, and said that the credit would be returned to my account within 3-5 business days. 

Today XX/XX/2017 I contacted chase bank to follow up and inquire why the credit had not been returned. The first rep I spoke to had stated because the claims department was attempting to contact walgreens to verify information about the transaction and that there was no timeline as to when this would be completed. Being dissatisfied with this I accepted an offer to speak to a representative in the escalations department. This rep I spoke to then informed me that there was no open claim and that chase had completed their investigation, and that the credit was properly removed from my account and would not be returned. I requested that this claim be re-opened and offered to provide the police report and information regarding the criminal investigation and subsequent arrest warrant issued regarding this claim, however the representative stated that this documentation would have no bearing in the investigation because it was closed and would not have any impact regarding the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge. EMPLOYER - XXXX XXXX XXXX - I DO NOT WORK AT THIS ESTABLISHMENT AND NEVER HAVE. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. INQUIRY - XXXX MAIN - INQUIRY MADE ON XXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. INQUIRY - XXXX BANK NA - INQUIRY MADE ON XXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS MAKING MY XXXX XXXX GO DOWN. I WANT MY CREDIT REPORT CORRECTED IMMEDIATELY AND A FRAUD INDICATOR PLACE ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.

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 05-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: We refinanced our home in XXXX, XXXX with XXXX XXXX. In doing so, it was a predatory ARM. We received a letter from the bank officer stating that we would refinance incurring no additional fees after our credit rating had improved within six months. The mortgage was then turned over to XXXX XXXX which in turn sold it to HSBC without our knowledge until we received the monthly mortgage statement with HSBC in XXXX, XXXX. With the building trades businesses failing in the Michigan downturned economy, jobs losses, our family was forced to file bankruptcy in XXXX, XXXX and we did not affirm our home. In doing so, the present mortgage servicer HSBC Home Mortgage Services , Inc. will not renegotiate with us concerning a lessening of the terms of our original note. We have an ARM of 8.45 %. We have paid up to XXXX % of our home income to be able to keep living in the home which we built and raised our family in. We had to apply to StepForward of Michigan to get the mortgage current in the amount of {$5400.00}, the interest was deferred on the back of our loan which is now a total {$8900.00}. The help that we received at that time was much less than the deferred interest amount! We have worked with a FHA Housing Counselor since XX/XX/XXXX to get this onerous mortgage reduced to no avail other than loan modifications that reduced our monthly payments in the ensuing years, but they only backended the interest so our principal reduction in the loan is added on, with interest on top of interest. We need a path to be able to keep and afford our home before we are forced into retirement which will be upon us shortly. I hear about all of the HARP Programs that will expire XX/XX/XXXX, we need your help. HSBC is not a TARP participant which was detrimental in our case. We are asking for a conventional fixed mortgage instrument with a manageable interest rate in step with the rest of the public. Due to the nature of our mortgage, we have not been able to pay down our principal like it should have been, and because of our market conditions in our area, we are still under water with this note. We saw the settlement the State of Michigan received from HSBC and would like to have relief from this predatory note. Please consider our plea.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OR).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been trying to avoid default. I spoke with Navient several times about getting payments that I could afford since I have several student loans. They wanted a payment that was beyond my income.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Checked my credit report. I see some of my old accounts that were discharged but so accounts are not showing.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a request to look into a delinquency on my report. The information on it was incorrect. That was on XXXX XXXX. It is now XXXX XXXX amd i have not recieved any info on it. Its supposed to be removed from my report after 30 days if i dont get a response.

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 03/24/2017 about Credit reporting () with Adler Wallach & Associates, Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, XXXX payment on a past due balance was made at the XXXX in XXXX Al. I was advised that once payment was made, this account would be deleted from my credit report. This payment of {$230.00} was paid by debit card and I received a reference number. As of XXXX XXXX, XXXX the balance was being incorrectly reported to the credit bureau. I contacted AWA, an agency employed by XXXX to collect the past due balance, to advise that the balance was paid in full. I spoke with XXXX XXXX a customer service rep and I spoke with her supervisor XXXX XXXX who were both given the information regarding payment. They stated that a reference number was not " good enough '' to update the account and that XXXX would need to contact them to have the balance updated. I contacted XXXX who in turn stated they would send the information over to AWA to correct the account. A direct dispute was submitted on XXXX/XXXX/XXXX to XXXX, who on XXXX/XXXX/XXXX determined the account as being verified and that it met 'FCRA '' requirements. AWA has continued to not only report the incorrect balance but but continually and erroneously increase said balance monthly by {$1.00} which has affected determining my credit worthiness to other lenders. On XXXX/XXXX/XXXX I contacted AWA and spoke with XXXX XXXX she advised that they still show a balance in their system for the amount and that only XXXX can have the account closed since XXXX is their client. She also stated that no info was received from XXXX regarding the account status. XXXX stated that she was not able to or had access to the information on who needed to be contacted at XXXX. On XXXX/XXXX/XXXX I contacted XXXX collection department at at XXXX and spoke with a customer service rep there who stated the following : on XXXX payment in the amount of {$230.00} was received and my account shows a {$0.00} balance ; on XXXX/XXXX/XXXX the account was notated closed with collection agency ; on XXXX/XXXX/XXXX XXXX contacted AWA who was notified that the balance had been paid in full. As of XXXX/XXXX/XXXX the balance showing on my credit reports of {$290.00}. AWA has continue to a ) increase the debt each month to the credit bureau b ) gave incorrect information once the dispute was filed c ) refused to contact XXXX or accept the confirmation number given by XXXX in order to update/report the correct information and continue to report this as an open account with the balance increasing monthly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Debt created by XXXX XXXX XXXX enclosed document will explan every thing on how debt was started. I will up load all party in vovled firsrt Transunion credit credit reporting agency 2. XXXX XXXX XXXX 3. the reporting other is to XXXX XXXX XXXX open XXXX XXXX,2017 Original Creditor. XXXX XXXX At XXXX debt amount XXXX I Dispute this debt and need it remove now. p.s. this is a complaint on all party listed.

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