milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2016 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In the last 3 weeks I am again receiving threatening phone calls from XXXX different agencies stating they are holding a summons in their hand to be served to me at my home or my place of work. They leave this message on my phone and tell me they are coming after me within XXXX to 48 hours. Each of the XXXX times I have replied to their calls, they ask my name and proceed with more threats of consequences and that it is Chase Bank filing the charges. When I continue to tell them it 's not mine, they told me a social security #, which, again, is not mine. Then they continue to interagate me until they finally say the attorney will remove my phone # from the list. This call came from, XXXX XXXX from XXXX. He told me to call the party who was filing the charges, but gave the same # that he was calling from. XXXX. When the phone call was answered they said " XXXX XXXX '', this is XXXX. He asked me if I was born in XXXX, I laughed and said no. ( I am XXXX XXXX XXXX ) The earlier call was from restricted # but gave me # XXXX to call back. It was from XXXX XXXX who continued on to tell me I needed to contact her within 1 hour to avoid any more consequences of the hostile order charged against me for not making contact. When I called that # it was XXXX. Again, this was Chase Bank filing charges against me. Gave me a ss # that was n't mine and she said she would remove my name and number but warned me of purgury. So I guess she did n't believe me and that 's why I got the other call today. How can I stop these threatening calls, they are very disturbing to me and frightening.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Chase closed my checking account and my one chase c.c. Spent 40 mins. On phone they gave no explanation besides it's within the right to do what they want. Bullies.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with Credit Karma, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am very concern as I was checking my  credit score and  noticed there is a capital  one cr edit card with a limit of {$500.00} under my name. I have no credit card of any kind. This card is not mines but it is under my information. What do I do to correct this. Someone stoled my information and took out a credit card under my name but I have no idea who.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Imwas part of mthe XXXX 2011 in XXXX XXXX Louisiana. Imwas XXXX. They convincednme I could affordmthis. My mom used child support to pay monthly and interest on student loan. XXXX. They convienced us I could support myself soon get in internship greatnjobs the whole lie. Here I am XXXX struggling my mom pays my rent. I cant find work other than XXXX makemmost paydays less than XXXX. I cant afford healthcare my mom pays that too. I want to go to college but they stole everything. Most of jy classes were taught bynstudents as the teachers left suddenly. My mom kept telling me this was not right something wasnwrong. I need help.All those pressured empty promises. Broken in need of help. If my mom looses her job or worse dies. Imwill be on the street and dead inmno time. I cant make enough to live hpw can I repay debt that at XXXX XXXX imhad nomidea the picture they sold was fraud in diguise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is wrong information in my report : > My present address :    XXXX   XXXX   XXXX     XXXX , MI.  XXXX  : please update >   XXXX   XXXX   XXXX   XXXX   XXXX   : I have paid off this account, please update balance

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. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax implemented poor security in their IT infrastructure and exposed ALL my personal and identifiable information. I used the " Potential Impact '' link of equifaxsecurity2017.com and it said, " Based on the information provided, we believe that your personal information may have been impacted by this incident ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Conventional fixed mortgage) with PLANET HOME LENDING, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: We have submitted our QWR to the lender 2 times and again on XX/XX/2017 - the lender has not responded to our inquiry and are proceeding with a SD of XX/XX/2017 - the lender is in violation of our right to the requested information to assist our client property.

Company response to consumer: Closed
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I spoke with a TransUnion repeatedly about unauthorized fraud applications being file on my report they are refusing to help me by disputing. I placed a fraud lock on my profile and XXXX  XXXX XXXX and another credit on SaturdayXX/XX/XXXXplace a hard inquiry on my report. I am requesting this to be removed as I did not apply to these companies. TransUnion is refusing to assist

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted Navient on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX 2015 due to the lawsuit against XXXX University. I filed a " XXXX XXXX to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

Navient has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with HOVG, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Debt Collector stated she will destory my credit score to XXXX in which I considered as verbal threat.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The CMI Group, Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I made payment to CMI who collected on behalf of XXXX for an outstanding debt. 
CMI did report the account was paid in full but refuses to delete the account from my credit report causing me to continue to get adverse credit rating. I am requesting account to be deleted because it is a reoccurring issue each time I apply for credit and the debt is settled. XXXX hired them to collect payment not to punish or cause long term financial hardships for me. 
ref # XXXX

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 10/22/2017 about Student loan (Private student loan) with DISCOVER BANK (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I logged in online to pay my student loan and the website will NOT let me make a payment without giving them more personal information about myself. They now want my citizenship status and employment information and I do NOT want to give this information. I just want to pay my loan online as usual. 

So I want my login unblocked and to allow me to pay my loan like I always do. The online login will not let me access anything, no personal information, no inbox messages, no account summary, nothing. I feel demanding this personal information is way too intrusive.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Settlement process and costs

Complaint: We settled with SPS Select Portfolio Servicing for a short negotiated payoff and now they are reporting the wrong information to the Credit Bureaus, this need to be changed to Paid on our reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have been calling harassing me and I have no recollection about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Debt collection (Credit card) with FEDERAL PACIFIC CREDIT COMPANY, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Law office has called several times in an attempt to collect a debt. A family member tells me that their spouse has also received more than 1 call, which I believe is illegal, regarding this matter. On XX/XX/2017, I returned their call and requested verification of the debt. I received a letter, on law firm letterhead, regarding my request on XX/XX/2017. Before I could send a letter to cease and desist communication, they called me again today and left a message. Their letter claims that they represent Federal Pacific Credit Company, who also happens to have the same address as the law firm. Are they a law firm or a collection agency? I have never entered into any financial contract with either of these companies, therefore I do not owe them anything. The original creditor they mention, XXXX, and associated account has exceeded the SOL in the state of Florida. They can not file suit against me, nor can they report to a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Since  XXXX     2012 Navient ha s been telling me that I can only forebare and default loans and that they do not offere income based repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (AZ).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Wells Fargo ov erdraft collection department calls from  XXXX . Called me on  XXXX   XXXX  at  XXXX . I have reached out  to Wells Fargo and all they wish to do is remove my phone number. Did not identify themselves as debt collectors when I asked as well with 3 different people. claimed they do not leave messages

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 02/23/2018 about Debt collection (Other debt) with ERC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I only have one collections account. Its from an old XXXX bill, the collections agency ERC is coming after me for {$860.00}. I was young & dumb, I wish I could pay it off but I dont have the funds to pay off this amount. I know taking care of my credit is important but my paychecks go to rent & my car payments. Please help, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The XXXX contact was on XX/XX/XXXX. They always begin the conversation is this such and such ( name ) ; without ever identifying who they are. They ask for personal information although the public is advised not to give personal information over the phone ; they continue to use this tactic. This is a debt that I took care of XX/XX/XXXX when I refinance my home and from that point on this debt has been sold to various collection agencies. They as for the request to have calls stopped to be sent in writing. I am reluctant to do that because I did not want to provide any personal information including my address, but it was confirmed by the Bureau of Consumer Financial Protection that it would need to be in writing. Sending my request in writing is my next step to stop these repetitious phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Bank account or service (Checking account) with Convergent Resources, Inc. (OH).
Issue: Problems caused by my funds being low

Complaint: I have been contacted by Convergent for a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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: This is to show that XXXX XXXX that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted XXXX 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that XXXX will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by XXXX. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. XXXX can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from XXXX . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. XXXX ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My deceased father XXXX XXXX home may be going into foreclosure due to XXXX Loan fraud. On XXXX/XXXX/XXXX XXXX XXXX mortgage lender ( out of business as of XX/XX/XXXX ) had a phone interview with my father. There was no XXXX Counseling certificate and no loan application singed by the deceased homeowner. On XXXX/XXXX/XXXX an appraisal was done on the property. According to the Hud FHA guidelines nothing can be processed until the homeowner has counseling and the certificate is signed by the homeowner and counselor. FHA requires a case binder for XXXX loans during the lifetime of the loan. At this time, I am requesting any documents pertaining to XXXX XXXX. Please note, the loan was transferred to XXXX XXXX XXXX on XXXX/XXXX/XXXX, whom was found liable due to mortgage fraud. On XXXX/XXXX/XXXX the loan was transferred to Nationstar which is now being investigated by NEW YORK STATE Department of Financial Services due to improper fees, mortgage modification and lost paperwork. 

FHA # XXXX XXXX provided by XXXX XXXX , XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I have paid out XXXX to an attorney to help me save my home. It did not happen. XXXX, XXXX, XXXX and Bank of America have all had their hands on this house at XXXX point or another. I have been told to convert the chapter XXXX to a XXXX and give up my home. I am XXXX and so is my mom. I have a XXXX in my home for over 30 years. But nobody cares. All they want is to get their hands on the PMI insurance I have on the house and they get to sell the house to They have not offered me any kind of money to help me relocate Nothing. And this is the American way. All I can say is that I am a victim of predatory lending, something is wrong when the families are torn apart, the elderly and XXXX have no rights or protection. 
XXXX never served or tried to serve me any kind of summons, letters nothing. They are wrong. I need help because I did not come into this house poor, broke, no money, etc. Since I have been paying them my mortgage for over a year and my bills I am broke. These people broke all kind of laws and it looks like they are getting away with it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Bank account or service (Savings account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: When I was XXXX I got my first part time job and put all of my money into a savings account in my name. It went untouched for several years and when i was about XXXX or XXXX I went to retrieve my money, excited to see how much interest had accumulated, only to be told my account was closed due to inactivity, and the money was no longer there. I asked the teller where my money went and she claimed that there was no record of money being in my account although I showed her my bank book with the date of deposit and the balance. Being young and naive I let the situation go thinking there was no way to solve this problem. Since then the bank has closed. I have checked at www.unclaimed.gov and www.missingmoney.com with no luck. There has to be some kind of record left stating where my money went, or if someone took the money.

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 Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed XXXX debts to Portfolio Recovery Associates INC. In my attempts to clear my credit to get a mortgage, I settled those accounts. However, those accounts were still being reported on my credit report as the difference between the original amounts and the settlement amounts that I paid. I contacted Portfolio Recovery Associates by phone and they said they would rectify the situation, but at least one account is still showing as of XX/XX/2017. I disputed the account and the dispute was denied. After the dispute, Portfolio Recovery Associates sent me a letter explaining why the dispute was denied and included the original proof of the debt. I am not disputing the original debt. The debt has been settled and I have a letter from them stating that, so it should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: I submitted disputes to the 3 credit reporting agencies on X/X/2017 to have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect onXX/XX/XXXXof this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.

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 02-09-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: I have a home mortgage with Wells Fargo. 
I prepaid my state and local taxes for calendar yer XXXX in calendar year XXXX. 
I requested a refund from Wells Fargo for the taxes that I have already prepaid. 

I have not received a refund from my escrow account for the taxes that I have prepaid. 

Despite several requests, I have not received any response as to when I can expect such a refund.

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