milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   2016  my credit was pulled  XXXX  by a rep for  XXXX   XXXX   XXXX  without my knowledge. The  manager said t hey disclosed it to me but they did not. I do not understand why they lied to me and how they can get away with placing  XXXX  hard inquiries on my credit file. They also lied and said they offered me payment protection, but they did not. I do not understand why they will not tell the truth. Do you think I will waste all this time and go to this extent if they did their due diligence and I was informed of this? As soon as I found out I IMMEDIATELY requested them to stop sending me prescreen offers because I will not open any credit products with them for at least some years if ever again. It is the principle that I was not informed prior of  XXXX  hard inquiries which is a terrible business practice in itself. I do not understand why they pull my credit to open a savings which they require and then again in the same sitting for the vehicle loan which is why I came there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
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: The credit card account ending XXXX with XXXX XXXX XXXX USA is the subject matter of this complaint. This account was opened around XX/XX/XXXX. Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me ( the consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is being traded on the market under the XXXX XXXX with a closing date of XX/XX/XXXX baring a CUSIP number XXXX, and the securitization trustee who is the trustee for the security instrument has not been providing me with the financial information or the interest information for me to collect on my investment and my entire attempts to get this information from the securitization trustee has gone ignored and unanswered. Bank of America , N.A . ( a subsidiary of Bank of America Corporation ) and others are defrauding me and conspiring against me, the home has mortgage default insurance on it and as part of the mortgage security agreement that allows for it to be traded on the market, the mortgage default insurance is there to protect everyone and as I demanded in the notice dated XX/XX/XXXX sent under certified mail number XXXX addressed to XXXX ( XXXX XXXX ) for Bank of America , N.A . and received by Bank of America , N.A . on XX/XX/XXXX they are refusing to apply for the mortgage default insurance as required by the security agreement, they are now violating the trust agreement and this is security fraud.

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 09-06-2015 about Debt collection (Medical) with Receivables Management Corporation (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: RMC is reporting a fraudulent bill that does not belong to me to XXXX. The item is a bill that is reporting from RMC and reads " Paid and Close ''. This is not mine. I never paid it. I had reported the same issue with XXXX about RMC and explained to the hospital that my insurance cards were stolen and the bill does not belong to me and they said RMC and the credit bureau is responsible for reporting this not them. Please remove fraudulent item from credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX has tried getting a loan modification review completed with XXXX XXXX help for almost a year near. I 've been assisting her since the beginning and been using the Caliber email to submit all docs. In XX/XX/XXXX, they requested 30 days updated paystubs. XXXX XXXX sent those thru email on XX/XX/XXXX.  Then they said the file was " complete. '' Then they said that they needed another bank statement for XX/XX/XXXX-XX/XX/XXXX. We also provided that thru email XX/XX/XXXX.  Then they said they needed clarification on paystub, and we provided it XX/XX/XXXX. Then I asked for status update on XX/XX/XXXX and did n't hear back. I emailed them again on XX/XX/XXXX about this. And then again on XX/XX/XXXX. Then on XX/XX/XXXX I called them again and heard that the only thing they need is the letter of explanation she wrote just needs a signature ( which it had her name just left out a signature ), and then it will go to underwriting. I sent this over XX/XX/XXXX because I was out sick and out of office on Monday/Tuesday XX/XX/XXXX and XX/XX/XXXX. That means I only had ONE business day to get this in before they closed file since they told me that they closed it on XX/XX/XXXX! I  've been communicating with Caliber since the beginning and was NEVER told that the file was going to close if we did n't get it in by XX/XX/XXXX?? I actually have never been told ANY deadlines since the beginning of working with them. I am escalating for this reason. 

FYI : I have also many times tried to get status updates, but instead wait on hold for 30 minutes, and hang up because I ca n't get thru. It 's been very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX I noticed a derogatory mark on my credit report made by Credit Collection Services in XXXX, MA. After investigating the company and the charge, I found out an old XXXX account that was paid off in XXXX was sent to Credit Collection Services. When I called CCS to inquire, the rep informed me that XXXX sent the debt to them to collect in XXXX XXXX ; however, I paid this account off in XXXX. I originally made arrangements with XXXX ( who was initially assigned to the account by XXXX XXXX to pay off the account in XXXX payments. The XXXX payment was withdrawn from my account by XXXX on XXXX/XXXX/XXXX in the amount of {$120.00}. The XXXX payment did not come out on the agreed date so I called XXXX to find out when the final payment would be withdrawn and applied to the account. I was told that XXXX was going out of business and to contact XXXX directly to finish making the payments. The XXXX payment was withdrawn by XXXX on XXXX/XXXX/XXXX in the amount of {$130.00}. I contacted XXXX in XXXX XXXX explaining this point. I was told they needed confirmation from XXXX. I reached out to XXXX XXXX in XXXX XXXX and followed up after in XXXX XXXX after I did not get a response with 30 days and no change on my credit report after 60 days. I provided XXXX with my bank statements indicating the payments were withdrawn prior to their Accounting Department sending my information to CCS collection agency. XXXX Accounting Department will only accept correspondence via email or fax. I have tried XXXX mediums of communication to no avail. My point of contact was XXXX XXXX. Her email address is XXXXXXXXXXXX. The fax number is XXXX. I can provide copies indicating the dates of contact as well as the dates payments were withdrawn.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Student loan (Non-federal student loan) with AES/PHEAA (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had XXXX student loans through XXXX XXXX that are now being serviced by American Education Services. XXXX loan, taken out in XX/XX/XXXX is for just over {$30000.00} at a 2.18 % interest rate, monthly payment of {$160.00}. The other is for about {$18000.00} taken out in XX/XX/XXXX with a XXXX. 25 % interest rate, monthly payment of {$120.00}. I am very diligent about paying these and was always making extra payments when they were with XXXX. When they went to AES, I had to set up automatic payments again. I pay an extra amount of {$70.00} every month and instructed AES to always apply this to the loan with the higher interest rate. They have ignored my instruction for the past XXXX months and continue to apply the extra payment to the loan with the smaller rate " because I am paid so far ahead on the other loan. '' I have tried to explain to them that this is my intention- of paying the higher interest rate loan off early. After XXXX written instructions of how to apply my payments, I spent many hours on the phone with multiple people who insured me this would be taken care of. The most recent payment was applied completely wrong, they did n't even apply the minimum payment to the loan with the higher interest rate and instead applied almost all of the {$360.00} to the loan with the smaller rate. They are intentionally making it impossible for me to pay down XXXX of my loan balances early. I have been hung up on after being on hold after XXXX minutes, I have been transferred to XXXX different people every time I call with XXXX minute wait times between transfers and also have been put on hold for XXXX minutes while whomever I am speaking to " reviews '' my loan. I want to pay down my loan with the higher rate but they are refusing to apply the payments correctly. I have complained to supervisors and this still can not be taken care of. Both of these loan were refinanced when they transferred to AES. I had already been paying on them for XXXX out of the XXXX year term and now they have been stretched out again to another XXXX years from XXXX XX/XX/XXXX, also forcing me to pay longer on loans. AES is doing everything possible to insure I pay on more for these loans than the original lending terms and not allowing me to pay them down early by manipulating how payments are applied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I received my credit file months ago and I found that there is a judgment in Public Records that has been reporting for many years in my Experian file I have no knowledge why or who is reporting against me. I have contacted each or the XXXX Credit Bureau and disputed it and requested that it be investigated on ( XXXX XXXX separate occasions but I have not been able to get a response. I am now in the process of purchasing my home and require that it is removed from my credit history. I I know nothing of this account and require verification including all information used by this party to determine that it belongs to me.

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 02/24/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX, a credit card with a new account was delivered from Bank of America to my front porch via XXXX. No signature was required and it was just dropped off. Within 6 hours, the card was used fraudulently and the entire credit limit was used. I reported the card to my bank within 6 hours of the delivery and an investigation was opened. I have since found out the case was denied and I am responsible. I have asked the bank to reopen the case but they are telling me I 'm responsible for this until it is looked at again. I have XXXX pages of documents that I have tried to fax to them, including a police report, a receipt that shows the suspect gave his real name, city, and phone number, to make a purchase. I have faxed this information twice, received a confirmation that it went through, yet the bank still says they have not received the fax. In the past week, I have received three different answers to questions and do n't feel the bank is helping me. I have plenty of proof but continue to hear I must wait for the bank to assign this case again. They refuse to credit my account while they look into this and tell me I must make at least the minimum due in order to protect my credit rating.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On or around XX/XX/2017 I disputed account with XXXX # XXXX. They sent a letter denying any inaccuracy. They sent documents but didn't have original documents nor signature verifying this account to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit reporting () with LEXISNEXIS (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: unable to obtain cr rpt

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Bank account or service ((CD) Certificate of deposit) with BBVA COMPASS FINANCIAL CORPORATION (MS).
Issue: Account opening, closing, or management

Complaint: I can not get my XXXX from BBVA Compass Bank. I changed my address in XX/XX/XXXX and they have the correct address on file. I have been given the run around, mis information and was hung up on. XXXX different Customer Service Reps have stated the XXXX would be received within 7-10 days. I still dont't have it after a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had my loan with Citimortgage for many years and never missed a payment of was late. We have a XXXX XXXX loan 30 year fixed 5 % and when the rates went down I applied through Citimortgage for a refi. We were told no income varification or appraisal would be required and it was to have no fees charged. It would have saved us quite alot of money in monthly payments and over the life of the loan. As the refi was being processed Citimortgage sold our mortgage to XXXX now XXXX and which I learned only as the Citmortgage refi broker was looking at our account and watched it disappear off the screen. He filed a complaint with his supervisor that we were in the middle of the refi process and his complaint was denied. Now we are with XXXX, have not had the opportunity to refi as they say they can not honor the Citimortgage deal, and the services is atrocious. We do not want to do business with them and have had no choice. How is this possible that the consumer can not chose who they do business with on the most major purchase of their entire life, the mortgage of their home!!??? Outrageous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: XX/XX/2013 a " 2nd Chance Checking Account '' I had opened 2 years earlier with Chase Bank was subjected to a series of fraudulent transactions via unauthorized withdrawals and associated activity online. After notifying Chase of the issue, the items and all related charges were removed and/or reversed from my account after some significant challenges in working with their Fraud unit. However, a few weeks later I was once again notified of the issue with a demand for action. I once again contacted Chase and explained we had already had that conversation, and that they had ( begrudgingly/reluctantly ) agreed to remove the charges and fees and put the account back in good standing. After yet more wrangling with them, Chase once again agreed to remove that charges and fees and put the account back in good standing. Yet a few weeks later, I once AGAIN received a demand for action from Chase. In spite of their repeated agreements to remove all the charges and fees and reinstate the account in good standing, they continued to put it back into a collection status after agreeing not to do anything further. That particular account has since been listed on my XXXX XXXX account, thereby preventing me from opening any other accounts due to the nature of the Chase closures. Adding insult to injury, much of the balance they kept putting back on the account after agreeing it was not due, came in the form of fees not in any way associated with any actual authorized transactions, and I had in fact repeatedly notified them of the issue yet they kept both charging me and adding more to it after agreeing not to do so.

Company response to consumer: Closed
Consumer complaint received 11/17/2015 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: This is an ongoing issue with TD Bank. 

The Bank is refusing to accept a CERTIFICATION OF TRUST in Lieu of a Trust Agreement despite a Florida law ( XXXX ) to the contrary. 

Please investigate the business practices of TD Bank, specifically in Mortgage Origination as it pertains to Trust requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CACH violated FDCPA 1692-I by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XX/XX/XXXX and dismissed on XX/XX/XXXX while the case was being held in XXXX XXXX GA as of XX/XX/XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XX/XX/XXXX. FDCPA 1692F -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XX/XX/XXXX-XX/XX/XXXX showing persistence and determination to continue violations of FDCPA 1692. The unfair debt collection practices violating FDCPA 1692F to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XX/XX/XXXX the bill of sale and affidavit from XXXX XXXX to Defendant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: To whom this may concern, I have recently been doubling my efforts to pay back my student loans. I have not missed a payment in the 10 years that I have been attempting to work off my debt. I borrowed nearly {$65000.00} in private student loans for a XXXX degree in XXXX. I still owe {$60000.00} after 10 years of paying. 


Providing that much money for a XXXX in XXXX should be illegal. It boarders on a predatory loan. I have been lucky enough to find a job that allows me to afford to pay back my loans, but it took much personal sacrifice and deprivation. 


Here is a list of my loans and the percentages of interest that I am being charged : XXXX 5.5 % XXXX 4.5 % XXXX 7.5 % XXXX 6.5 % XXXX 10.5 % XXXX 6.5 % XXXX 10.5 % The loans numbers are respectively : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 


This is sickening that I am being charged interest rates at this level. I have already paid the money back that I borrowed and now I am being gouged for interest. How can I be charged interest rates at this level? My first car loan was less then 5 %. My credit is excellent and I have a stable job. It is awful that Navient is making money on the backs of people that are responsible enough to pay their loans, but do n't have enough money to have a life because of it. 


Thank You, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation