milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Consumer Financial Services (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A financial institution with which I 'm indebted, has sent several employees to my apartment complex, knocking on my neighbor 's doors. They engage into conversation with my neighbors to " break the ice '', and then they commission my neighbors to give call them as soon as they see me, and they share with them the fact that I owe money to this financial institution and I am behind on my payments. None the less, last night, XXXX of their employees came to my apartment at XXXX, and I asked her to leave as she was violating fair collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with U.S. BANCORP (MI).
Issue: Rewards

Complaint: I opened a US Bank checking account with a promotional offer. The first promotional offer was to receive a {$150.00} bonus after completing " XXXX or more U.S. Bank Bill Pay transactions of at least {$25.00} each within 60 days of account opening. '' I did completed XXXX transactions and received the {$150.00} bonus within a few days after completing the bill pay transactions. The other offer was to receive a {$50.00} statement credit on a new credit card if you " make XXXX separate Net Purchases ( purchases minus credits and returns ) totaling at least {$25.00} each with your new consumer credit card no later than 60 days after your account is opened. '' I opened my credit card and completed the XXXX transactions over {$25.00} that posted on XX/XX/2016. Per the terms of the promotional offer, the {$50.00} statement credit was suppose to be applied with XXXX weeks after making the qualifying transactions. Consequently, I should have received the statement credit by XX/XX/2016. I did not receive it on my XX/XX/XXXX statement and contacted US Bank . I was assured by XXXX at US Bank that I had qualified for the statement credit and the {$50.00} statement credit would be on my XX/XX/XXXX statement. My XX/XX/2016 statement arrived and I did not receive the credit. I contacted XXXX and the general US Bank credit card customer service and they indicated that they are looking into it and could not provide a timeline when I actually receive the {$50.00} statement credit.

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 monetary relief
Consumer complaint received 01/30/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I was serviced with a notice of wage garnishment and after repeated calls to my work I was placed on notice by my employer. I was involuntarily laid off prior to me becoming homeless and like I stated I have been at my current employer for less than 3 months now. I do not have money to eat or live and have documents to show so. I created a packet with all documents required and submitted all XXXX pages to the number on the sheet and addressed it to the company and presiding judge. And I have proof of this. I called General Revenue Corporation this morning and was transferred numerous times informed I was in the wrong department. Finally after waiting on the line for 15 minutes a woman by the name of XXXX tells me that I have to call the number XXXX XXXX which she stated is a " post claim '' number. I called that number and apparently that number is for direct tv. I do n't know if XXXX funds and General Revenue Corporation think it is funny to play with peoples lives like this or if you are purposely doing this to individuals who request a hearing but either way I will be filing a complaint and if someone does not tell me if my documentation has been received I 'm going to contact the media. If you wo n't provide me with the information maybe you provide it to them. I only have to XXXX/XXXX/16 to verify that my hearing request has been received and they refuse to tell me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 3. Date : XX/XX/2018 Dear Innovis FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Innovis. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. Sincerely, XXXX XXXX XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (Medical debt) with Aargon Agency, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I just recently disputed some medical bills that should have been covered by the VA. I got out of the military in 2010 and was told I was covered fully for 5 years. Two items are still showing up on my credit report and some years ago I paid this company money which I realize now I should not have paid because the same debts for the same treatment had been taken off. The company is Aargon debt collections. I need help. Part of my XXXX is a XXXX which I have a XXXX XXXX on my XXXX for. Please help

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 06/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I made a repayment contract with Nationstar Mortgage , LLC XX/XX/XXXX, as I lost my job in XX/XX/XXXX and fell behind. I have paid {$150.00} extra ( per our arrangement ) every month since XX/XX/XXXX for a total of {$890.00} but none of my extra money has shown on my payment history. I keep getting threatening phone calls and letters with none of them referring to the repayment plan letter sent to me. I need Nationstar to show & apply these extra funds to the principal of my account as well as fix my credit report they keep reporting to as I am delinquent. I also need them reported to the governing body of mortgage banks as they are disreputable and should be investigated. It took them 14 months to approve my mortgage modification loan and then did it for 40 years!

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of  XXXX . I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a collection of a payday load. I did not know at the time but since my husband was in the military at the time they should not have given me a loan with a 300 % interest rate in the first place. I have already paid the principal back plus 6 % ( my husband was activated to the XXXX so I qualify for SCRA ). This collection agency continues to try to collect and has put negative information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I requested my capitalone credit card and they sent me one after I made a payment which left me with a balance they closed my account and have not let me know anything else but it 's affecting my credit score now.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Student loan (Private student loan) with DISCOVER BANK (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Discover student loan keeps calling and harassing me over payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MI).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXXI received a call from XXXX  teller number XXXX my single point of contact from XXXX Mortgage. I told her that I was concerned about the Default letter that was dated XX/XX/XXXXdemanding all past due payments by XX/XX/. I have already made a payment on XX/XX/ XXXX. I turned in a loss mitigation packet and I explained to her that I will not be able to pay all past due payments by the XX/XX/XXXX. I told her that I will receive a profit sharing check on XX/XX/XXXXwhere I could catch up on all payments past due totaling XXXX. She responded that they sent a another Default letter onXX/XX/XXXX giving me until XX/XX/. I have not received that letter as of todays dateXX/XX/XXXXXX/XX/XXXXShe also said my loss mitigation packet is complete and under review as of XX/XX/XXXX My concern is I DON'T have any documentation stating what I'm being told. I afraid this company is going to foreclose on my property. I have talked to several reps and I am getting told different things. Please can I get some straight answers because it seems that my last resort is going to be filing bankruptcy. This is not what I want to do.

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 03/16/2016 about Consumer Loan (Installment loan) with OCWEN LOAN SERVICING LLC (CA).
Issue: Managing the loan or lease

Complaint: Took out a home equity line of credit with XXXX XXXX in XXXX. In XXXX, XXXX XXXX transferred the servicing of the loan to Ocwen Loan Servicing , LLC . The principal balance of {$0.00} was noted by Ocwen in a letter on XXXX/XXXX/XXXX and the account was closed on XXXX/XXXX/XXXX. I received a letter from them stating that they were drafting a Satisfaction document to send to the county for Lien Release/Satisfaction on XXXX/XXXX/XXXX. To this date this has never been done. Ocwen is telling me that they have not received all necessary documents from XXXX XXXX to complete the process and XXXX XXXX claims they do n't know what Ocwen is talking about. And I still have a lien on my house!

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: to Whom It May Concern : Again Chase had performed a property valuation without our knowledge and consent. Chase employees had apologize for the mistake. By taking pictures of my property and performed an unnecessary appraisal Chase had invaded our privacy. This is one of the many mistakes that Chase had done and I 'm trying to solve this issue. 
At this point we are frustrated with Chase and its mortgage services. Paying our property taxes without consent and knowledge, putting in us under mortgage assistance program when we had never missed a payment and invading our privacy by taking pictures of our property are unacceptable behavior. We are demanding that Chase cancel and void the mortgage loan in benefit of us the borrowers. All the actions that Chase had taken only guide to a fraud and fraudulent case. In exchange of any lawsuit we want Chase to remove the lien against our property and provide a free and clear title of our property. We had exhausted our energy and patience against Chase and we can not permit that a financial institution abuse us the borrowers. The loan will need to be cancelled or legal actions against Chase will be proceed.

Company response to consumer: Closed
Consumer complaint received 03-02-2016 about Debt collection (I do not know) with Goldberg & Peretti, LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I 'm not sure who this Company is but I received a unauthorized debit on my credit card from this company.

Company response to consumer: Untimely response
Consumer complaint received 12-08-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: someone has tried to steal my identity and tried to open credit cards in my name. there was XXXX hard inquires on my credit report from XXXX, cbna, and XXXX all done on XX/XX/2016 I sent dispute to Equifax and they said that they could do nothing that I would have to dispute with credit card companies. I called the companies and they could n't find a record of it except XXXX. so far they have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian claims to have verified a collection from XXXX # XXXX. However the other XXXX credit bureaus investigated and deleted this. Experian did not do an investigation or they too would have deleted it.

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 12-07-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account is being reported as XXXX days late and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/2009. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/2009. You can clearly see on the attached info from Equifax that the payment status switched to XXXX in XX/XX/2009. This account went into default and was transferred to XXXX XXXX Higher Education. This does not constitute a payment and this account is being reported past the XXXX year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX on several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. Please delete this account immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I backed a project on XXXX XXXX/XXXX/15 with a proposed delivery date of XXXX. To date I have yet to receive anything despite requests for refund. I turned to Chase bank to dispute the charges on my credit card and was told that due to the time lapse I would not be able to receive my money back. Nothing is in place for crowdfunding which leaves consumers such as myself empty handed. I was not asked for supportive documents, proof of my attempts to contact the company whom I backed. Chase essentially looked at the date of the transaction and denied my dispute instead of looking out for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: The company is Amcol Systems collecting on some medical bills of my XXXX husband. In XXXX of this year I set up a payment plan of {$25.00} a month which is hard to pay most months being a single mother. At the beginning of XXXX I called the company and told them I needed to miss that months payment due to not having the money and the man I spoke with told me if I did n't pay the payment they would garnish my wages and take anything they could take to make the payment, so I just borrowed the money and payed the payment. On XX/XX/XXXX I called and told the lady that answered that the payment may be a few days late and she stated that If the payment was n't made by XX/XX/XXXX that I would forfeit my payments agreement with them and would then be liable for the whole amount of the bill in one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter to Trans Union letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Trans Union refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Trans Union provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. The accounts that came from identity theft are listed below also here is my Credit report number : XXXX XXXX XXXX XXXX acct XXXX XXXX Acct 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 02/28/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: My ex-husband applied for a loan modification with Bank of America ( BofA ), while we were in divorce proceedings but still legally married, with the hired assistance of XXXX XXXX and XXXX XXXX of the now-defunct XXXX company in XXXX XXXX. XXXX and/or XXXX forged my financial information and my signature on the BofA loan modification application WITHOUT my knowledge or consent. Along with the application, a court transcript of a divorce settlement was provided to BofA by XXXX XXXX ( ex-husband ) and/or XXXX representatives who represented to BofA that it was a final divorce judgment, which it WAS NOT. BofA accepted this court transcript as a divorce judgment despite there being no official court filing stamp or documentation to substantiate the paperwork. BofA approved the loan modification based on this falsified information and permitted ONLY XXXX XXXX to sign the loan documents even though my name was on the previous mortgage as well as the new loan modification mortgage. I learned about the loan modification after it was approved. I contacted BofA on several occasions to ask how they could only allow XXXX XXXX 's signature when we were not divorced and since my name was on the loan. They claimed that they " thought '' they had a divorce judgment ( decree ) in their possession, even though the requisite court filing stamps, etc. were not on any of the divorce settlement documentation they had received. Bank of America was made fully aware after XXXX XXXX secured the loan modification that it was obtained with falsified and erroneous information, and submitted under penalty of perjury. 
Bank of America 's policy of only permitting one signatory on any loan that is held by TWO individuals is a violation of law. Bank of America 's Loan Modification website clearly states, " All borrowers on your loan agree to participate. '' Bank of America failed to adhere to its own policies. The forgery component is clearly against the law, and BofA 's knowledge of this and unwillingness to take corrective action is reprehensible. It begs the question, 'If BofA believed that we were divorced, and that XXXX XXXX was receiving this [ XXXX XXXX XXXX, XXXX , CA ] property in the settlement as stated in the XX/XX/XXXX court transcript, then why did n't BofA redraft the loan modification documents to reflect XXXX XXXX " ownership? ''

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