milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2015 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: My XXXX year old daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I closed an account with XXXX. I debt of {$48.00} is owed to XXXX for two days of service. My account # is XXXX. ERC called me and tried to claim I owed them a total of {$250.00}. They sent me fake bills today with the wrong account number # XXXX XXXX as well with the inflated debt claiming XXXX sent me to their collections service. The problem with this is XXXX, the original creditor, sent me a bill today requesting the same {$48.00} they have requested for over a year. ERC sent false paperwork and added false information to my credit reports. They need to remove themselves and all negative information from my credit reports and they need to cease all communication with me in regards to this fake debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my reports and noticed several unauthorized inquiries from several different companies. Ive tried disputing those inquiries with the bureau who just replies back with there valid and to contact companies. Ive tried contacting companies with no response. Also a few accounts reporting that Im aware of that bureaus just respond back with there valid but with no prof or actual validation. I have the right to report anything on my reports thats not suppose to be there n request to have deleted. Having these negative items posting on my reports does do much damage to my credit worthiness.

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 07/16/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I got conflicting information on an accepted loan mod from XXXX XXXX XXXX and do n't know what to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2015 about Mortgage (VA mortgage) with Ditech Financial LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: Green Tree assumed my mortgage from XXXX in XXXX XXXX. When I refinanced my mortgage loan with XXXX, XXXX. in XXXX XXXX it included a " No Prepayment Penalty ''. When Green Tree assumed the loan they have now added that I have a " Prepayment Penalty ''. I have called Green Tree XXXX times to resolve this issue. My most recent call was today XXXX XXXX/XXXX/XXXX XXXX. The Green Tree service representative stated that they sent me documents on XXXX/XXXX/XXXX and if I wanted to dispute this issue I am to refer to those documents. I told the representative that it has been twelve days and I have not received anything. I would like this issue to be investigated. I have my copy of the XXXX refinance with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I recently ran my credit report through  XXXX  and found multiple accounts being opened since    2015. Th e details to each account is highlighted on the attached file.     Please advise,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Other debt) with EQUIFAX, INC. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have obtained a recent copy of my credit report and have come to notice that there are just a few outstanding collections that I have no verification and or validation from and have asked the CRA Equifax to take care of these issues for me.
The ones that are troubling are the medical collections in which may be violating my patient confidentiality and is a HIPPA violation.
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Certified letter has been sent to Equifax requesting the same.
Tracking number XXXX - Equifax Credit Information Services, Inc

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

XXXX : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 02-04-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been in a constant struggle with Navient in reference to my astronomical student loan debt. I have been paying since XX/XX/2011 and have had problems at every juncture with this company. I can not begin to explain the stress, aggravation, and complication my mother and I have experienced with dealing with Navient. There has been instances when customer service representatives provide the wrong information, place is on long holds then disconnect the call only to repeat the call process sometimes three or four times in order to speak with a customer service representative. Furthermore, the money allocated has never been allocated properly. I have also not been able to pay XXXX a month and have taken forebearances. That only makes matters worse and increases your payment after three months. All in all I have been screwed by Navient from the start and someone needs to hold them accountable for there terrible customer service, there unforgiving mistakes that have caused me and my family stress.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  credit file was removed from all credit bureaus after dispute after glitch with  XXXX   XXXX  or Credit Bureau. Equifax credit bureau reinserted  XXXX   XXXX  without notice.  XXXX   XXXX  was also reinserted as a loan on my Equifax credit file.  XXXX  is a wireless company not loan company and should not be on my credit file.      **In  accordance with the requirements of the FCRA  as s tated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA  611,  Procedure in case of disputed accuracy  [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.    *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph  ( A ) , the information  may  not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.   Additional information.   As part of, or in addition to, the notice under claus e ( ii ),  a consumer reporting agency shall provide to a consumer in writing no later tha n 5 b usiness days after the reinsertion date.   ( I ) a statement that the disputed information has been reinserted ;  ( II )  the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; an d ( III ) a  notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.   I received no such notification.   This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I applied for a personal line of credit through  XXXX   XXXX   XXXX   XXXX  last week. Although I have had  XXXX  loans with  XXXX   XXXX  and only ha d 1 lat e payment, I was turn down for the loan.  XXXX , the loan officer, at the  XXXX  location explained that I had a " really low credit score ''. She also explained that they pulled reports from  XXXX  and Equifax. When I asked her what my score was, she said my Equifax score was a  XXXX . She said they relied more on Equifax because it was the most reliable. I was surprised as I had just pulled my credit reports the day before and my Equifax score was a  XXXX .   Today, I received a letter from  XXXX   XXXX  explaining why my loan application was turned down. It states that the decision was based on my credit scores from Equifax and  XXXX . It also states that my Equifax credit score is a  XXXX  ( please see attached ).   I called  XXXX   XXXX   XXXX  # to ask the loan dept. why was I told my Equifax credit score was a  XXXX  when their loan dept. letter to me states I have a  XXXX . When I spoke with the loan officer on the  XXXX  # she verified that it was my Equifax score and NOT my  XXXX  score that was showing a  XXXX .   I am very bothered and suspicious that I was turn down for a loan based on erroneous information. I want to know where  XXXX   XXXX  received the information that my score for Equifax is a  XXXX ? I want to know how many scores do I have with Equifax that i am getting different scores. We are talking about a  XXXX  point difference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2016 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Closing/Cancelling account

Complaint: Over the telephone made a payment for covering all balances, fees, etc.. and instructed them to close the account. Had n't made any charges on the card for many months. Received a call indicating that I owed late fees and had a balance on the card. Message via phone giving a phone number to call them about this issue omitted the phone number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Customer service / Customer relations

Complaint: A charge to purchase an airline ticket was declined on suspicion of fraudulent activity by my bank. By the time I corrected the problem the fare for the trip was no longer available and I had to pay more for the trip.

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 03-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: My loan to value % is under 78 %. I have called my mortgage servicer several times about the automatic termination of PMI. They refuse to remove it, and only reference the 80 % threshold which is a different issue, and request for me to pay for an appraisal and use those values. After several phone calls I submitted a letter on XX/XX/2017 with us codes attached. I received an email stating they were received, and I have all that information. 
I called them again and spoke to a representative, they still would only discuss the 80 % threshold and acted as if the 78 % law did not exist. 

Homeowners Protection act states in code 4901 ( 18 ) The term " termination date '' means -- ( A ) with respect to a fixed rate mortgage, the date on which the principal balance of the mortgage, based solely on the initial amortization schedule for that mortgage, and irrespective of the outstanding balance for that mortgage on that date, is first scheduled to reach 78 percent of the original value of the property securing the loan. 

So an appraisal is not needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have previously submitted disputes on my credit report as a result of identity theft and Equifax has not deleted the disputed items, when I dispute they have remained on my report without explanation or method of verification per FCRA Section 611. The items I am disputing as a result of identity theft are : - XXXX , XXXX - Identity Theft - XXXX, XXXX XXXX XXXX - Identity Theft - XXXX, XXXX - Previously deleted and reinserted without notification. Also not my account. 
- XXXX XXXX - Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (I do not know) with ONLINE Information Services, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: ONLINE COLLECTIONS/ INFORMATION SERVICES has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe ONLINE COLLECTIONS/ INFORMATION SERVICES any alleged debt and would like them to provide proof of claim with authenticated verification. ONLINE COLLECTIONS/ INFORMATION SERVICES has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Consumer Loan (Installment loan) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing the loan or lease

Complaint: The bank imposed early payment penalty fee in violation of the loan 's terms. 
Specifically, the terms specifies that " [ consumer ] agree to pay a prepayment charge if this loan is paid off prior to the final scheduled due date ''. I, the consumer, made early, large payment but did not pay if off totally, as the total amount financed plus all fees and interest, is still larger than my overall payment amount. The bank, however, imposed early payment penalty fee on XX/XX/2014. Following the terms of my installment loan, if the bank considers the aforementioned loan is " paid off '', then I should receive my car title and the loan should be closed. However, I was charged an early payment penalty fee. I have contacted with the bank ( case # XXXX ) several times but the bank refused to follow their loan terms. Therefore, I would like Bureau of Consumer Financial Protection 's assistance in reaching an appropriate solution with the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was a co-signer on a Sallie Mae student loan. The primary borrower filed bankruptcy and ceased payments. I was not notified by the creditor that payments were late until AFTER the account went to collections. No voicemail 's, emails, or snail mail until after my near perfect credit score was damaged to the tune of XXXX points. Sallie Mae claims their fallible computer system shows notices were sent. They sent them to me for the first time as part of a XXXX complaint response at which point I confirmed I never received them the first time. Sallie Mae claims that removing this negative mark from my credit report is " illegal '' and a violation of the Fair Credit Reporting act, claiming they have no discretion to work with credit agencies to resolve this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2016 about Mortgage (FHA mortgage) with Statebridge Company (GA).
Issue: Loan modification,collection,foreclosure

Complaint: This is an official complaint against State Bridge Company for threatening me with foreclosure action without providing me with requests for full disclosure, validation of debt and opportunity to be considered for a loan modification or a principal reduction.. State Bridge Company has failed to answer my specific questions pertaining to the mortgage transaction. In addition, State Bridge and home Inspection Company has interfered with my contractors by unlawful entry and missing construction equipment. 

Rather than truly discussing options, especially a principal reduction that would be conducive to my current income and financial circumstances, this servicer appears to be only and solely interested in foreclosing against my property on XX/XX/2016, Rather than allowing me to retain the mitigation services of XXXX XXXX XXXX, State Bride Company chooses foreclosure as an ultimate remedy ... 

Even with the recent assignment from XXXX XXXX XXXX, XXXX to a State Bridge Company, there has been no effective follow-up on any of the issues or specific questions addressed in several attached communications. Moreover, this servicer has failed to disclose a valid Power of Attorney to perfect any foreclosure action on the property. Throughout my correspondence experience with State Bridge Company, this servicer responds in vague, fictitious, misleading and deceptive language. Furthermore, State Bridge Company has failed to direct me to a specific person of contact in order to resolve any mortgage issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On or around XX/XX/XXXX I XXXX XXXX opened a checking acoount with bank of a America, on XX/XX/XXXX yu I deposit {$610.00} to my savings account that I personally opened online, on XX/XX/XXXX I was soon to realize that both my checking and savings account was closed without my consent I was now told by an online advisor to go into a branch to retrieve my funds from both account. Behold I was told on XX/XX/XXXX th by the bank manger in the XXXX branch that I need my marriage license in order to receive these funds!! I madly waited until XX/XX/XXXX th to retrieve all funds!! Sadly the check in the amount of {$610.00} was never received until XX/XX/XXXX after several phone calls wee made from the local branch to the online or main office. At this time, I feel discriminated against by the manager at the bank whom rudely told me on XX/XX/XXXX that she have been married for over 20years and she have a copy of her Marriage license in her car. This was after I don't her no one drives around with his or her marriage license. I embarrassely left the bank annoyed by her response or type of identification that was needed in order to receive over Four thousands dollars that was in my account that I still have no clue as to why it was closed up until XX/XX/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